Hari raya Idulfitri atau Lebaran merupakan momentum yang selalu dinanti umat muslim di seluruh dunia. Tak sedikit umat Islam yang menyiapkan anggaran lebih untuk merayakan hari kemenangan, agar tak boncos usai Lebaran masyarakat perlu mengatur pola keuangan yang bijak.
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00:00IDX Studio
00:02IDX Studio
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00:20Hello viewers from IDX Channel, Jakarta. I'm Wiki Adrian.
00:24We're here for a special dialogue.
00:26For the next 30 minutes, we'll talk about interesting topics that we'll give you.
00:29Don't forget to watch our live streaming at idxchannel.com.
00:32I'm Wiki Adrian. Let's watch the full special dialogue.
00:44Eid al-Fitr or Eid al-Adha is a moment that Muslims all over the world are waiting for.
00:50Some Muslims are preparing more money to celebrate Eid al-Fitr.
00:54In order not to miss Eid al-Fitr, it is necessary to set a wise financial pattern.
01:03Eid al-Fitr is a moment that makes us happy because we can gather with family and others.
01:10To welcome Eid al-Fitr, Muslims also hold competitions to prepare various necessities
01:15such as staple food, snacks, new clothes, and worship equipment.
01:21Despite this, Eid al-Fitr is a difficult time for most people
01:25because the price of various staple necessities is quite significant.
01:30The condition is getting worse.
01:32Because during Eid, there is a tradition of salam tempel
01:35or distributing amplop of Eid al-Fitr offerings to family and relatives.
01:39Not until there, when Eid al-Fitr is over, we will return to normal routine.
01:44The thing that is very felt after Eid al-Fitr is that the financial condition is getting thinner.
01:49It is no wonder that during Eid al-Fitr, our expenses are getting bigger.
01:52Starting from buying clothes, food for family, kitchen necessities, furniture, and even distributing Eid al-Fitr offerings.
01:58If the condition is allowed to deteriorate, it can have a negative impact on someone's financial condition.
02:04So how do we manage our finances so that we don't miss Eid al-Fitr?
02:08Let's see the following discussion.
02:10Finance Management
02:15For our discussion today, we have discussed how to manage our finances.
02:19Eid al-Fitr has already been connected.
02:21From the video conference, there were Mr. M. Charisma, financial planner.
02:24Mr. M. Charisma, financial planner.
02:25I would like to apologize if I'm not allowed to say this.
02:27You are welcome.
02:28Although it has been a week since Eid al-Fitr,
02:31but there are still discussions about financial planning.
02:36or maybe some of the judges seem to have found some findings in their strategy to plan for the financial year.
02:47But if we talk about the mistakes of the community when accepting the financial year,
02:54then also entering the Eid al-Fitr, then after that,
03:00what are the common mistakes in financial management during Eid?
03:07We never deny that Eid, especially in Indonesia,
03:12has never been separated from an acculturated culture.
03:18Because it's not just that we celebrate Eid al-Fitr in a spiritual way,
03:26but there are also cultural descendants that have never been separated from a celebration of Eid al-Fitr in Indonesia.
03:34Ultimately, it has to do with a plan for how we can survive.
03:42Thankfully, there are things that we can have in excess so that we can allocate to things that are productive.
03:53But back again, why is it that in Indonesia, one of the countries that is unique to have Eid al-Fitr,
04:00is because of the nature of that culture.
04:03We can never deny that this is what makes us need to be thorough,
04:09and also careful in planning our finances during Eid,
04:12because it has never been separated from things that are needs outside of our monthly routine.
04:19What is usually related to Eid needs?
04:22Usually, we start from before Eid.
04:25There is a need for us to give, not only THR to ourselves and our family as a directly related party,
04:33but there is also a third party.
04:35We usually give THR to our housewives' assistants,
04:39security officers, cleaning officers in our surrounding area,
04:43so there are budgets that we have to prepare for the third party,
04:47which can be quite large.
04:50Secondly, it is related to the needs if we are in a hurry.
04:54There are quite a lot of preparations and also quite a lot of financial needs,
05:00especially if we are using a mode of transportation that is quite expensive,
05:07such as flying.
05:09Or even normal mode of transportation,
05:11during Eid, the increase is quite significant,
05:14even though there was a discount for the need for tickets during Eid.
05:21Thirdly, it is THR for the other three parties,
05:26among which is to distribute angpao,
05:29or angplok for relatives, relatives, and so on.
05:33Not to mention, we are talking about basic needs,
05:36which are also increasing during Eid,
05:39Lastly, the point that is quite important is that we also have to see
05:43that there are things outside that are related to recreation,
05:48with things like refreshing and so on,
05:51which the needs on Eid also automatically increase in terms of cost,
05:55because it is a high season, so to speak.
05:57These four points make us really have to pay attention,
06:04Fortunately, until now, there is an advantage for the Mudikers,
06:09or the people who celebrated Eid al-Fitr yesterday,
06:13if it turns out not yet, we will discuss later
06:16how to plan the finances further,
06:19with conditions or scenarios that later there will be some,
06:22Mr. Wiki, we can discuss.
06:24Yes, okay.
06:25Speaking of the common mistakes made by the Mudikers,
06:29or maybe the community when receiving THR money,
06:32it then becomes quite a lot.
06:37Usually, the mistake is,
06:39is it because it prioritizes the needs,
06:42the needs that must be met,
06:46so as not to postpone the target to save or invest,
06:52because most of the money is allocated for those needs,
06:57which are consumptive.
06:59Or what do you think are the mistakes
07:01that are usually done?
07:04This is unique.
07:05There is an anomaly when the current condition,
07:08people are fed up with a lot of material,
07:11how they can save or invest in a certain product.
07:16Whereas we have to go back to nature first.
07:18Why does the government, especially to the employees,
07:21provide the policy of THR?
07:24Because they also admit, there is a sunnatullah, we call it,
07:28that happens during Ramadan,
07:31even with Idul Fitri yesterday,
07:32that every moment,
07:35our needs will increase significantly.
07:40At least, it's usually 50% of our normal needs.
07:43That's why there is a so-called holiday loan.
07:47Most people, at this time,
07:49they are fed up,
07:50especially yesterday,
07:51our stock market was booming,
07:53it was dropping.
07:55They then started thinking
07:57how to take advantage of that momentum.
08:00I met a lot of friends who asked,
08:04is this the right moment for me to enter?
08:07Do I have to allocate so much
08:09from what I had at that time?
08:11And that's what I always say,
08:13THR must be adjusted to the needs
08:16during Ramadan and Idul Fitri.
08:19Why is there a loan?
08:21Don't let people force you to invest,
08:24because in the end,
08:25it will be difficult for them
08:27to meet their Ramadan and Idul Fitri needs.
08:30Don't let them, during Idul Fitri,
08:32quote unquote,
08:33take advantage of the loan.
08:37Because the money is allocated a lot for investment, right?
08:42Yes, that's right.
08:43That's why I always say,
08:44focus on the needs,
08:46until Eid,
08:48take the budget from THR,
08:50don't think about investing first.
08:52At this time,
08:53when we are in a normal condition,
08:55we have income,
08:56we say that set aside first,
08:58then leave it, right?
09:00Leaving it means for the needs.
09:02Now we are back,
09:03talking about Ramadan until Eid yesterday,
09:06we are talking about
09:08leaving it for investment,
09:11if there is a surplus,
09:13but we prioritize for the needs
09:15during Eid.
09:17Okay, interesting.
09:18Even though it turns out
09:19there is something to be allocated,
09:21the portion doesn't have to be allocated a lot for investment,
09:26because the needs will increase.
09:29As you said,
09:30at least 50%,
09:32the increase will happen.
09:34Okay, which budgetary posts
09:36are usually a little more,
09:39compared to other budgetary posts
09:41when we post,
09:44or divide budgetary posts
09:47when we get THR.
09:50And maybe,
09:52is there a strategy
09:54so that when we allocate the budget
09:58in the usual large post,
10:01so that it is according to our estimation,
10:03not the one that turns out to be bigger.
10:07Is there a strategy, Mr. Karisma?
10:09The key is in budgeting.
10:11That we know how much
10:13potential income
10:15we get during this Eid al-Fitr.
10:17Usually, we take the easy way,
10:20twice from the previous monthly income.
10:23When we get that number,
10:25then we start to break down.
10:27For example, per week,
10:29fortunately, it can be per day,
10:31how much is the usual target
10:33that we have to do
10:35during Ramadan until Eid al-Fitr.
10:37As an example,
10:39the most unique and also funny,
10:42that when we fast,
10:44logically,
10:45our lunch expenses are reduced.
10:48So, we have one post that is reduced
10:50during the day.
10:52But the funny thing is,
10:53usually, I often find
10:55the moment when it turns out
10:57the need is actually much bigger
10:59compared to the days before Ramadan.
11:01Even though we eat only twice a day,
11:03compared to us,
11:05usually three times.
11:06What is the difference?
11:07There is a psychological effect.
11:09When we are hungry,
11:11we usually want to buy something more.
11:14That is called as the condition,
11:16we usually call it starvation.
11:18So, when we are starved,
11:20we buy more.
11:21In the end, there are many who waste,
11:23many who are not consumed optimally,
11:26according to our needs.
11:28So, we prioritize the wants
11:30rather than the needs.
11:31That's from the basic needs.
11:33The second, usually this is a moment,
11:35back again,
11:36when we usually socialize,
11:37there is a moment of opening together,
11:39breaking up together,
11:40relatives,
11:41relatives, friends, and so on,
11:43which makes the post,
11:45once we eat or once we drink,
11:47it can be about two days,
11:50maybe, when we have the usual needs,
11:53the consumption.
11:54Not to mention, when you come to drink,
11:56you have to bring a gift, right?
11:58Yes, especially when it's a gift exchange.
12:00Gift exchange, okay.
12:01That's what happens.
12:02Even with what I told you earlier,
12:04that there are moments related to culture.
12:06When it's Eid,
12:07we usually buy Eid clothes,
12:11whether it's for us,
12:12whether it's for our relatives,
12:14whether it's for our in-laws,
12:16our closest relatives.
12:18The OOTD must be different every year.
12:21Mr. Wiki, for Indonesian people,
12:24Eid is a moment for us to post on social media.
12:27So, it must be different.
12:28We must buy something new.
12:30Even for those who drink,
12:32it usually consumes the biggest post.
12:33Because the relationship between drinking
12:34is usually one package
12:35with the family,
12:38until we go to a recreation.
12:41We usually go to a recreation,
12:42we take the entertainment budget there.
12:45That makes the packaging
12:47make our income
12:50become very tight
12:51when we can't manage it.
12:53That's why we really have to do the budgeting.
12:55From the day to day, our target,
12:57for example, how many times do we need to book in Ramadan?
13:00How much is the budget per book?
13:02Usually we talk in big cities,
13:04there is no story for 100,000.
13:05It must be around 100,000-200,000.
13:07On average, per book, we order the menu.
13:09Then, how many times in a month?
13:115 times, it's already 1 million.
13:13How much do we get in THR?
13:14Then the Eid clothes,
13:16how much do we pay THR
13:18for the third tier,
13:19how big is our budget
13:20for when we want to go to a recreation,
13:21whether it's using air, land, or sea transportation,
13:25we go back again,
13:26we will adjust it
13:27which one is suitable for our post.
13:29Don't let us
13:31finally don't have the budget
13:33so we just order, right?
13:36In the end,
13:37usually if we use
13:39online ordering media,
13:43we use a credit card,
13:45at the end of next month,
13:46it's just charged,
13:47we forget.
13:48It turns out it's expensive.
13:51The most important thing is budgeting,
13:53but also followed by a commitment
13:55to follow the budgeting that we have made.
13:57Budgeting will only be budgeting
13:59if we don't commit
14:01to the budget that we have made.
14:03Okay, interesting.
14:05Mr. Karisma,
14:06we will continue the next segment
14:08about the discussion
14:09whether or not we can use
14:11THR to pay off debts.
14:15Even if we want to,
14:17what is the percentage?
14:18We will continue the next segment.
14:20Ladies and gentlemen,
14:21we will go to the next segment.
14:31Thank you for joining us,
14:40and we are still discussing
14:41with Mr. M. Karisma
14:43about financial planning.
14:44We have discussed
14:45what mistakes are usually made
14:47by Indonesian people
14:48when obtaining THR,
14:50then also doing budgeting,
14:52committing to the budgeting that we have done,
14:55and also seeing THR
14:57as an income
14:59that is used for consumption.
15:03Even though there is a desire
15:06to invest,
15:08but during Eid,
15:11when we get THR,
15:13to invest,
15:15we have to put it aside first,
15:16because there will be more needs,
15:18more or less like that, Mr. Karisma.
15:20Okay, let's talk about other needs.
15:22Because if we look at it,
15:25humans are social creatures.
15:26When we owe someone,
15:30we know that if we get THR,
15:32maybe there will be expenses.
15:35Have you gotten THR,
15:37but the debt is not paid?
15:38More or less like that.
15:39Now, can we or not,
15:40we use THR money
15:42to pay the debt,
15:44or maybe pay the debt.
15:46What do you think, Mr. Karisma?
15:48Yes, of course you can.
15:51And that is a priority for us to prioritize.
15:54Because as Muslims,
15:55especially those who get THR,
15:57then we also celebrate Eid al-Fitr,
16:01if we are part of the Muslim community,
16:03then we have to believe
16:05that it is a duty
16:06that we have to fulfill.
16:08Either in person,
16:10or in an instance
16:12that we make a loan.
16:14But back again,
16:15if it's an instance,
16:16it's usually clear,
16:17in detail.
16:18We can allocate it.
16:20But if it's individually,
16:22then the THR post
16:24can be planned
16:26to be part of our debt settlement
16:29to the debtors.
16:31So that later,
16:32when we celebrate Eid,
16:34we have a condition
16:40where we can enjoy Eid,
16:42even sometimes,
16:43the debt is a bit tough,
16:45Mr. Wikia.
16:46Don't let us become Muslim.
16:48That's what I always encourage.
16:50But back again,
16:51we also shouldn't,
16:52as a partner,
16:53assume that
16:54if our debt is not as full as
16:57the THR that we get,
16:58we will settle everything.
16:59But at least,
17:00there is communication
17:02that we can send to the debtors
17:04that, oh, I can,
17:05Alhamdulillah,
17:06pay some,
17:08or the value is greater
17:09than the previous months,
17:11maybe.
17:12So that it can be
17:14something that can make it
17:16faster to be settled in the future.
17:19Because at this moment,
17:20we have to maximize
17:21how we can
17:23make up for our post-debt.
17:25Moreover,
17:26what has been burdened before.
17:28And this is part of
17:29our commitment to the future.
17:30Don't let after this THR,
17:32then the next months,
17:34we go back again.
17:35The condition and the way
17:37to manage the finances
17:38like before Eid.
17:41We also have to be
17:42a new human,
17:43not only spiritually,
17:46but also in our birth.
17:48So that later we can
17:50bring it to our daily lives.
17:52That's the hope,
17:53at Eid yesterday,
17:54and with a financial plan.
17:56So I encourage that.
17:58Even though if it turns out
17:59that it can't be full,
18:00then the most important communication
18:02to be able to settle our debts.
18:03Yes, that's right.
18:04Because paying debts,
18:05especially high-flying debts,
18:07this becomes one of the
18:08financial planning strategies,
18:10actually,
18:11so that we are not burdened,
18:13a big flower burden,
18:15because we have a big debt.
18:17Okay.
18:18So that the Eid activities
18:20are comfortable,
18:21there is communication,
18:22or maybe there is a gradual solution
18:23that can be done
18:24by using THR money.
18:26Okay.
18:27There are those who discuss
18:31the importance of having emergency funds
18:34or allocating emergency funds
18:36when we do
18:38mudik,
18:39meeting with family and so on.
18:41If there is anything,
18:43for example,
18:44maybe there is an accident,
18:47there is an emergency fund prepared.
18:49Or maybe there are other options,
18:51for example,
18:52actually there are many
18:53insurance providers now
18:54that provide special insurance products
18:57for mudik trips.
18:59Can this also be a choice
19:01of options that are quite smart,
19:04actually,
19:05related to insurance
19:06that is bought
19:07specifically for mudik activities,
19:11so that the allocation
19:13is not too big,
19:15but in a useful way,
19:16it can cover
19:18whatever it is,
19:19if there is anything,
19:20we can pay the hospital bills,
19:22and so on.
19:23What do you think, Mr. Karisma?
19:24Okay.
19:25I will go back
19:26to what I said earlier,
19:28that we have to take the momentum yesterday
19:31into a momentum
19:32that we believe
19:34this is the right moment
19:36for us to make a total improvement
19:38if we consider
19:39our financial conditions
19:40quite messy before.
19:42Then I will go back
19:43to break down
19:44anything that will later
19:45become our priority
19:46when we get health insurance.
19:48When we already know
19:50what we budgeted
19:52and we follow it,
19:53then the most important post,
19:54the second one,
19:55is actually we
19:56perfect or meet
19:58the needs of our emergency fund earlier.
20:00Or the emergency fund
20:01that Mr. Wiki mentioned earlier.
20:02It is related to many things,
20:04not only related to mudik,
20:06with all the risks that await us,
20:08but also related to
20:10the daily conditions in the future.
20:12So, if before,
20:13we have never thought about
20:15and fulfilled
20:16or maybe the emergency fund is still lacking,
20:18usually we set the standard,
20:20usually if there are families,
20:226-12 times of issuance.
20:24So, that's the right moment
20:25for us to add
20:26or add
20:27the emergency fund
20:28that we haven't completed
20:30or fulfilled.
20:31The second is,
20:32of course,
20:33the need for insurance
20:34becomes an important thing
20:36not only at this moment,
20:37but when there is an offer,
20:39travel insurance,
20:41or insurance
20:43like earlier,
20:44with an accident
20:45at the time of mudik.
20:46Although I rarely hear
20:48specifically for needs
20:49and conditions
20:50during the holiday season,
20:52but if there is,
20:53we should consider it.
20:55Because maybe
20:56even though the value is not big,
20:58at least it can make us
20:59have a little peace of mind.
21:01Yes, peace of mind,
21:02so that later when we travel,
21:04we are not afraid
21:05and too careful
21:08or maybe on the contrary,
21:10we are too,
21:13not careful
21:14when we go to mudik.
21:17That's why it's an option
21:18that can be considered
21:20even though it's appropriate.
21:21But usually,
21:22even though there is,
21:23seasonally,
21:24it's not too big
21:25in terms of coverage.
21:27We still have to have
21:28personal insurance.
21:30Whether it's for our health needs
21:32or for our soul needs,
21:33if it turns out
21:34we already have a responsibility.
21:35Okay.
21:36Interesting, Mas Garipa.
21:37Mas Garipa,
21:38we will continue
21:39the next segment
21:40because we still have
21:41one more segment.
21:42Stay with us,
21:43we will be right back.
21:59Thank you for still
22:00joining us
22:01and we are still discussing
22:02our interesting topic today,
22:03about financial management
22:05with Idul Fitri
22:06and Mas M. Karisma,
22:07financial planner.
22:08Okay.
22:11If it turns out
22:12it's already imagined
22:13later after
22:14this past Eid,
22:16hopefully,
22:17there is still
22:18the balance
22:19because there are
22:20other needs.
22:21Is there
22:22from budgetary
22:23post-post
22:24that we have budgeted
22:25that we can
22:27not allocate,
22:28we prioritize
22:30for others
22:31first
22:32because there are
22:33other needs
22:34after Eid.
22:35What are
22:36the calculations
22:37like,
22:38Mas Karisma?
22:42So, after Eid,
22:43actually,
22:44that's part of
22:45us evaluating
22:46whether there are
22:47post-post
22:48issuance
22:49that we haven't
22:50finished
22:51last Eid.
22:52Back again,
22:53because now
22:54there are a lot of
22:55facilities,
22:56whether it's
22:57in the form of
22:58pay letter,
22:59whether it's
23:00before using
23:01credit card media,
23:02that we didn't realize
23:03last Eid moment,
23:04but we have to
23:05fulfill the obligation
23:06this month.
23:07That's what we have to
23:08evaluate for the first time,
23:09don't let it go.
23:10In the end,
23:11the post is quite large,
23:12while our salary
23:13is back to normal
23:14this month,
23:15and then
23:16our normal salary
23:17for our monthly needs
23:18in the end
23:19can't cover
23:20the issuance
23:21for Ramadan.
23:22In the end,
23:23back again,
23:24we owe
23:25which we will
23:26continue to pay
23:27for the next year
23:28until we get
23:29another THR.
23:30That's what we have to avoid.
23:31When it turns out,
23:32maybe we can
23:33solve it,
23:34then,
23:35that advantage
23:36is of course
23:37our right.
23:38There are some
23:39who suggest
23:40to invest,
23:41please.
23:42There are some
23:43who may be concerned
23:44about how they can
23:45have a budget
23:46this month
23:47for needs
23:48that may be
23:49related to hobbies,
23:50related to needs
23:51outside of
23:52basic needs,
23:53please.
23:54But,
23:55don't let
23:56the most important thing
23:57we owe
23:58for later
23:59we can't pay
24:00this month.
24:01That's the main priority,
24:02Mr. Wiki.
24:03Okay,
24:04very interesting,
24:05but then
24:06our time
24:07is very limited.
24:08Maybe
24:09a kind of
24:10closing statement
24:11from you,
24:12Mr. Karisma,
24:13about how smart
24:14to manage
24:15Eid al-Fitr money
24:16is like,
24:17Mr. Karisma?
24:18I will emphasize
24:19again that
24:20the moment of Eid al-Fitr
24:21yesterday should
24:22be a moment
24:23for us
24:24to evaluate
24:25totally
24:26and return
24:27not only
24:28from the
24:29spiritual side
24:30but also
24:31to do
24:32decluttering
24:33that are not
24:34important
24:35for later
24:36we can have
24:37the right
24:38financial momentum
24:39so that
24:40next year
24:41we can be
24:42regulated
24:43and hopefully
24:44when we
24:45have
24:46and get
24:47additional income
24:48either in
24:49the form of
24:50THL
24:51next year
24:52or because
24:53our income
24:54increases
24:55then we
24:56have
24:57a method
24:58and post
24:59that we
25:00have to do
25:01so that
25:02we have
25:03a regulation
25:04in financial
25:05records and
25:06hope that
25:07in the future
25:08we have
25:09a bigger budget
25:10so that we can
25:11invest
25:12for our future
25:13that's it.
25:14Okay.
25:15It's always a pleasure
25:16to talk to you,
25:17Mr. Karisma,
25:18especially about
25:19financial planning
25:20everything is
25:21applicable
25:22hopefully we are all
25:23disciplined about
25:24the budgeting
25:25we have done
25:26and the evaluation
25:27can be useful
25:28to apply
25:29the financial
25:30strategy
25:31when we get
25:32THL next year.
25:33Okay.
25:34Mr. Karisma,
25:35good luck to you.
25:36Stay healthy.
25:37See you.
25:38You're welcome,
25:39Mr. Wiki.
25:41Okay.
25:42Ladies and gentlemen,
25:43it's been 30 minutes
25:44we are with you
25:45in the special program
25:46Dialog Edition
25:47Dulfitri.
25:48Keep updating
25:49your information
25:50on IDX channel
25:51Your Trustworthy and
25:52Comprehensive Investment
25:53Reference
25:54because the future
25:55must be ahead.
25:56I am an investor