[Blog Competition] Hari2Jenius Kelola Tabungan dan Investasi

May 06, 2019

Tulisan ini adalah tulisan yang aku buat untuk ikut kompetisi menulis bertemakan #hari2jenius, di website Jenius Co.create -- periode Mei 2019.

Di-upload ulang di sini September 2020, buat koleksi pribadi aja hehe..

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#Hari2jenius Kelola Tabungan dan Investasi

bing beng bang.. yok kita ke bank..

bang bing bung.. yok kita nabung..

tang ting tung hey, jangan di hitung..

tau tau nanti kita dapat untung.

(– Menabung, cipt. Titiek Puspa, dipopulerkan oleh Zaskia & Giovanny)


Generasi remaja tahun 90-an, pasti pernah dengar lagu itu. Saya malah tumbuh besar percaya dengan lirik lagu itu. Sampai usia saya masuk seperempat abad, saya percaya tabungan adalah satu-satunya bentuk menyimpan uang, baik di bank maupun celengan kucing saya. Maklum, generasi yang belum melek pendidikan finansial.

Tentunya, pikiran itu bukan cuma berawal dari lagu saja. Harus diakui, ketidaktahuan saya tentang finansial dimulai dari keluarga. Saya tidak pernah ingat tau bagaimana belajar mengelola keuangan. Hidup keluarga saya tergolong cukup walaupun tidak mewah. Buat apa belajar keuangan? Finansial adalah hal yang jauh untuk saya pelajari. Sampai pada satu masa keluarga kami mengalami kesulitan ekonomi. Dengan cepat kami dipaksa merasakan dikejar hutang, merasakan bagaimana cari pemasukan tambahan, dan bagaimana harus menghemat.

Dari situ, saya semakin yakin bahwa semua orang harus punya tabungan, supaya tidak perlu berhutang. Jadi setelah bekerja, setiap dapat gaji, saya langsung sisihkan untuk menabung, bukan tunggu sisa. Walaupun sedikit, saya harus mulai disiplin menabung. Dimulai dari sekitar Rp 150.000/bulan di awal bekerja, lama-lama jumlahnya bertambah seiring dengan kenaikan gaji dan lama kerja. Di mana? Tentunya di bank. Kan bisa dapat untung bunga katanya. 


Setelah beberapa tahun bekerja, saya dengar konsep lain, yaitu investasi. Salah satu investasi yang paling rendah resikonya, katanya adalah deposito. Saya coba cari tau informasi tentang deposito di bank. Untuk punya deposito, perlu sejumlah uang yang cukup besar jumlahnya, yang harus didiamkan dalam jangka waktu tertentu, dan kalau ditarik sebelum masa jatuh tempo akan dikenai penalti/denda.

Seperti yang saya sebutkan di atas, saya merasa orang harus punya dana cadangan – yang bisa dipakai kapan saja sewaktu dibutuhkan. Konsep mendiamkan sejumlah uang dalam waktu tertentu dan dikenai penalti kalau diambil – itu tidak masuk kriteria pengelolaan finansial saya pada masa itu.

Sekali lagi, saya putuskan, saya hanya mau punya tabungan.


Masalahnya seperti lirik lagu tadi, saya tidak menghitung tapi mengharapkan untung. Suatu hari, entah dapat ide dari mana, saya buat tabel perbandingan biaya administrasi dan perbandingan suku bunga dari seluruh rekening bank saya.

Boom! Saya baru ngeh kalau ternyata selama ini ada banyak biaya yang saya bayar, padahal hampir tidak pernah ada transaksi di rekening itu.


Anggap saja biaya administrasi 1 rekening rata-rata Rp 10.000 per bulannya, maka per tahun menjadi Rp 120.000. Total biaya administrasi 4 rekening adalah Rp 480.000 / tahun. (angka hanya ilustrasi rata-rata). Padahal saya menabung hampir delapan tahun. Sementara bunganya rata-rata di bawah 1% karena saldo saya tidak sampai 1M. (Saldo di atas 1M juga bunganya cuma rata-rata 1,5% ternyata)

Saya kecele, kok saya nggak merasa untung ya?!

Eh anggaplah masih untung. Saya dengar cerita dari adik saya tentang pengalaman menabung dia di Jenius. Awalnya saya skeptis juga, “paling juga sama saja dengan yang lain”, “paling juga adik saya yang nggak ngerti, kayak saya dulu”. Tapi seiring berjalannya waktu, saya jadi tertarik dengan pengalaman dia menggunakan Jenius.

Selain tidak ada biaya administrasi, bebas biaya transfer antar bank, dan kemudahan akses secara online, saya merasa Jenius mengajak penggunanya untuk disiplin menabung dengan fitur Save It. Ada beberapa pilihan model menabung yang bisa dipilih user sesuai kebutuhan masing-masing. Mau menabung seperti tabungan biasa tapi dengan bunga lebih tinggi? Bisa menabung di Flexi Saver. Atau perlu membiasakan diri menabung berkala sampai target tertentu? Bisa buka di Dream Saver. Atau mau menabung dengan jangka waktu seperti deposito bank? Bisa coba Maxi Saver.


Akhirnya saya putuskan untuk memulai #hari2jenius menabung, di Maxi Saver. Kenapa? Apa yang membuat Maxi Saver berbeda dari yang lain?

Satu, tidak ada penalti/denda kalau penarikan dananya sebelum masa jatuh tempo. Saya masih bisa berinvestasi tapi saya juga merasa aman karena saya tetap punya kendali kapan saya perlu tarik uang tersebut kalau tiba-tiba saya perlu.

Dua, bunganya (6,75%-7%) ternyata lebih tinggi dari bunga tabungan pada umumnya, bahkan lebih dari deposito bank lain. Kalau saja, saya sudah bisa join Jenius dari awal masa kerja saya, mungkin saya sudah berinvestasi lebih awal. But better late than never, right?

Tiga, mudah akses pembuatan dan penghentiannya, tidak perlu repot antri ke bank.

Selama empat bulan saya punya rekening di Jenius, saya merasa lebih untung dibandingkan bertahun-tahun saya menabung di tabungan biasa.

Sekarang, saya bisa bilang kalau saat ini saya punya #hari2jenius dalam mengelola tabungan dan investasi. Dan saya bangga dengan #hari2jenius saya. 

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© Jak – 060519 – 1509 ©

The Greatest Battle...

February 22, 2016


The greatest battle is within our mind...

when those nasty intimidating voices 
continuously pointed out our flaws
our weaknesses
our failures
opportunities that we passed
other's negative thoughts about us
and judge...

Those lies, that even though we aware that it is not true,
somehow we kind of believe it...

No matter how positive and how strong we are
or how faithful we are to The Almighty,
we are very vulnerable to this attack. Still.

The greatest battle is in one's mind...

© Jak – 220216 – 1527 ©

Girl Rising : One Girl With Courage Is A Revolution

March 08, 2014
Since my early age, I like school.

I love to know new things.
The fun of gathering facts.
The excitement of new experiences.
The beauty of science and the logic of art.

Maybe, the thing I love the most is the self-assurance school has given to us -- to me at least. I feel secure, to know that I know more, to know that I can do something. I feel like I have the power within me.

Sadly, not everyone has the privileges to be able to learn something new. I know that compared to many of my friends, my education background is not a fantastic or awesome thing to share. But I still went to school while many children all around the world couldn't attend school.

Today, as we celebrate International Woman's Day, I want to tell you about GIRL RISING.

Girl Rising is a global campaign for girls’ education. They use the power of storytelling, leveraged through partnerships, to share the simple truth that educating girls can transform societies. Girl Rising unites girls, women, boys and men who believe every girl has the right to go to school and the right to reach her full potential. Their mission is to change the way the world values the girl.

Why girls? Educating girls can break cycles of poverty in just one generation. Educated girls stand up for their rights, marry and have children later, educate their own children, and their families and communities thrive. Yet millions of girls around the world face barriers to education that boys do not. Removing barriers such as early marriage, gender-based violence, domestic slavery and sex trafficking means not only a better life for girls but a safer, healthier and more prosperous world for all.

There is no miracle here... just a girl with dreams.
Even if you send me away, I will come back everyday... until I can stay.
I will read, I will study, I will learn.
If you try to stop me, I will just try harder.
If you stop me, there will be other girls who rise up and take my place.
I am CHANGE.

Jamie Grace : God Girl – Show Jesus – You Lead ♥

September 20, 2012

These songs are on my frequently played list
Three songs by Jamie Grace.

Jamie Grace - God Girl
Jamie Grace - Show Jesus
Jamie Grace - You Lead

banyakbangetdotcom

September 06, 2012
Halooo~~ I know I have been far far away from my blog but I'll try to catch up with you guys later.

Recently, my best friends and I are working on some projects to maximize our time, talent and friendship. Here, we humbly present our new project:
We launched our own website!!

The website is our writing project, where the ten of us are trying to learn to write more.
Well, by writing more, we learn more. And when we learn more, that encourages us to write more.
But the main purpose of the project is to make impact for others, either through our writing or our upcoming activities.

The name itself is Indonesian words for "So Many".
We do hope that the logo present that clearly.

Our website will consist of many topics of writing that may happen in our lives. I don't know about the future of the website and the projects. Is it going to be success or just another step in our lives, but for now, I am excited to write more.

Don't forget to come visit our website yaa!!

© Jak – 060912– 1515 ©

Jimmy Needham - Yours to Take

August 03, 2012

He Argue, She Grumble, They Love Each Other

June 06, 2012
Noah: You're bored Allie. You're bored and you know it. You wouldn't be here if there wasn't something missing.
Allie: You arrogant son of a bitch.
Noah: Would you just stay with me?
Allie: Stay with you? What for? Look at us, we're already fightin'
Noah: Well that's what we do, we fight... You tell me when I am being an arrogant son of a bitch and I tell you when you are a pain in the ass. Which you are, 99% of the time. I'm not afraid to hurt your feelings. You have like a 2 second rebound rate, then you're back doing the next pain-in-the-ass thing.
- The Notebook (2004)
For years, I had heard that The Notebook is the most romantic film. Indeed, it is. But, when I saw the movie, I wonder how they -Noah&Allie- are crazy about each other yet they are always fighting, almost everyday.

Last month, I met one couple that somehow reminds me of Noah and Allie. Their name is Ed and Vi. Ed is my very-big-boss, as I may say. He is one of the Board of Commissioner of this giant consumer products company where I worked. Last month, Ed was coming to Indonesia to attend Annual Shareholders Meeting, and he came with his wife.

I was assigned to accompany them during their visit *it was my 6th monthaversary of work, btw :cool:  They met me at the hotel lobby with their straw hats, loose T-shirt, sport shoes, and sunglasses,  *anyway,  since this is a very big boss, I almost used my blazer, but then I changed my clothes to batik dress, black stocking/pantyhose, and heels. The fact: they are so 'tourist-like', imagine how awkward the situation was? :oops:

Okay, from the first time I saw them, Vi was holding Ed's arm all the way to our car. In the car, they discussed what they want to buy as a gift. When Ed was busy with his phone and didn't respond quickly, Vi grumbled and then Ed flirt with her, trying to be nice to her. Then both of them continued to discuss another topic, most of it led to another argument. It happened again and again, even though they were holding hands while window shopping.
Long story short, Vi was interested in antique pieces of jewelry: necklace, bracelet, and ring. Since she carries no phone or wallet or any handbag, she asked the bank man, Ed..

[Video] Derek Redmond, 1992 Olympics

March 23, 2012
This video is about Derek Redmond, a retired British athlete.
During his career, he held the British record for the 400 meters sprint and won gold medals in the 4x400 meters relay at the World Championships and European Championships.

This video is his performance at the 1992 Olympic Games in Barcelona
 

At the 1992 Olympic Games in Barcelona, he tore his hamstring in the 400 meters semi-final but continued the race limping and, with assistance from his father, managed to complete a full lap of the track as the crowd gave him a standing ovation.

Although Redmond was disqualified and listed as "Did Not Finish" due to the outside assistance finishing the race, the incident has become a well-remembered moment in Olympic history, having been the subject of one of the International Olympic Committee's "Celebrate Humanity" videos and been used in advertisements by Visa as an illustration of the Olympic spirit and featured in Nike's "Courage" commercials in 2008.

At that time, they may not know what is the effect of their action. They just want to finish the race even if the record did not say so. 

From this video, I am reminded of commitment to finish what we have started.
And that we never walk alone, because even it looks like it is, our Heavenly Father never leave us.
Just like Derek's father, Our God will surely and faithfully hold us in His shoulder and raise us up all over again.

So, guys and girls, please do not give up!
Keep doing what you are doing right now.
Help is coming.

Commit in Singleness

March 22, 2012
Set aside your feeling, commit for a greater cause -@JeffryRachmat

A few weeks ago at one of JPCC Sunday Service, Ps.Jeffry Rachmat preached about commitment. The main idea is that being a Christian means we are a committed person. We have to commit (something) until the very end. Why? Because God does. He committed to do The Salvation until the very last drop of His life, even though He had another choice.

When I heard the word 'commitment', the first thing comes up in my mind is Marriage/Relationship. I think it is because marriage is the most common way to describe commitment.

As Ps.Jeffry said, commitment is only for those who are willing to sacrifice. Marriage takes sacrifice. Just imagine that two-person sleep in the same bed every day lives in the same house, and have to deal with each other for the rest of their life. So much to sacrifice.

committed spouse gives someone serenity and trust between them. This is a basic foundation, a must-have thing in a relationship. Trust built from serenity which grows by commitment. Blah blah blahh.. Since I am not married yet, I guess I don't need to think about commitment, right?

Then someway, this fact strikes me.

Commitment is not talking about relationship or marriage. Commitment is talking about persistence, defined by one's maturity. It's about life value. It's about mindset. So, bear with this fact I want to tell you. The fact that we -you and me, those who are single, can also commit in their our singleness.

Girls, one of my childhood dream was to have a romantic-happily-ever-after life with my prince charming, and I never knew anything about a broken heart. As time goes by, I know that life is not as simple as that, and as said in Adele's song, sometimes it lasts in love but sometimes it hurts instead.

#tantulis : Main Gila VS Strong In Love {Color}

February 27, 2012
Demi mengembalikan kembali semangat menulis, saya dan sahabat saya, Nandasetya mengadakan TANTULIS alias Tantangan Menulis. :P

Kali ini, temanya adalah membuat puisi cinta dengan 1 syarat, nggak boleh mellow. (Kenapa syaratnya itu? soalnya, di antara sahabat-sahabat saya, dia dikenal sebagai raja mellow.. :P)

Well ini hasil punya saya.. Judulnya, Main Gila : Kumain, Kau gila..

Kau bilang padaku,
senyummu memabukkanku..
seindah ringan gelak tawamu..
membius kebodohanku..
hingga aku cinta padamu..

Kau bilang padaku,
dirimu ibarat bintang timur..
indah sinarmu di langit gelapku ..
hatiku tenang di dekatmu..
lebih dari cinta, aku padamu..

Kau bilang, cinta itu buta
Aku bilang, kata siapa?
Kau bilang, cinta itu gila
Aku bilang, kata siapa?
Mungkin hanya cintamu yang buta
Bisa jadi hanya kau yang gila

Benar sayang,
Aku suka hadirmu, dan binar kagummu
Lembut perhatian dan manis tuturmu
Tapi aku tidak buta atau gila, mau memilihmu..
Toh, aku sudah ada yang punya..

Percayalah sayang,
Sejak awalnya, aku hanya main-main denganmu.

© Jak – 260212– 2222 ©

Dan ini hasil puisi Nandasetya Kharisma..
Katanya sih, yang ini merupakan bagian dari seri Strong In Love, dengan judul Color.
(puisi tantangan aja ada seriannya, coba.. *salto* hehe..)

Memandang langit penuh warna
Mengandung cinta penuh rasa
Dalam warna ada rasa
Karena cinta penuh makna

Awalnya ia tampak Kuning kemilau
Kecerahan Sang fajar menyinari cinta penuh arti
Semarak keagungan dan kebesaran
Hangat Sang mentari memeluk kalbu
Cinta hidup dalam sanubari, membangkitkan jiwa yg mati

Ia tumbuh Hijau subur
Rindang daun kasih meneduhkan hati
Bunga mekar memperindah hidup
Ia terus berakar pd Sang sumber
Hidup hidup dan hidup
Cinta hidup dan berbuah
menyejukan jiwa yg kering

Ia hidup dalam langit Biru
Terbang tinggi dalam naungan sayapNya
Dlm keagungan dan kearifan
Memerintah akal dan logika
Cinta membentang cakrawala jiwa
Menguatkan jiwa yg besar

Awaslah terhadap api merah cinta
Ia terbakar dalam nyala Sang api abadi
Melumat tiap keraguan dan kemustahilan
Kegairahan romantisme mengaduk hati
Cinta melebur dalam nafsu dan tulus
Menghangatkan atau memusnahkan

Tiba ia dalam Hitam Gelap pekat
Malam menutup kemurnian
Kebutaan tanpa tuntunan
Ego hidup untk memusnahkan
Cinta mematikan jiwa
Mengubur kasih dan sayang

Kemurnian Putih lembut datng kpd cinta
Cinta hidup untk bangkit dr kejatuhan
Kasih Sang hidup menghapus Kelabu hati
Tanpa penghukuman hanya ketulusan
Cinta hidup kembali
Untuk memberi arti sebuah hidup

[Nandasetya, 260212]

Bagus ya? :) Dia buat hanya dalam waktu sekitar 45 menit loh, salut!

Jadi begitulah hasil TANTULIS Februari. Semoga kita terus semangat menulis! Cya! :)

The Dance Performing!

January 13, 2012
Hi all!

Four hours after the dance performance I mentioned in here. I do not have the complete photo or even video of our performance yet. All I can give now is only sneak peek behind the stage and after the show, our photos!


Overall, it went well. If you asked me, I will score 9 out of 10 for the dancer. *smirk*
But, since dance performing is not about the dancer only. We shall not forget the band, the lighting, the multimedia team, and of course the stage manager. And those factors make my performance score decreased to 7 out of 10.

These point deduction occurred because of several things. First, one of the committees brought our properties (kipas bulu, red. :P) and gone nowhere to be found until the last minute before our show time. That pretty much ruins our mood.

Second is the miss-coordination between stage manager and multimedia team. On the rehearsal, we have told them about our entree method, the dancer would be running from about 1,5 meters in front of the stage. When we told it was our showtime,
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