Financial Literacy for Women #IbuBerbagiBijak - Collection of Mother's
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Title : Financial Literacy for Women #IbuBerbagiBijak - Collection of Mother's
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Financial Literacy for Women #IbuBerbagiBijak - Collection of Mother's Bloggers
[ad_1]Did you know Maks, if women's financial literacy is still low compared to men. According to research, around 25.5% of women understand financial literacy, while men account for 33.2%. How can it be like that? It seems that women must be given frequent education about financial literacy. As Visa did some time ago in Bandung, West Java and Yogyakarta (DIY).
Financial Literacy Mothers Share Wisely
Is a visa, digital payment companies, in collaboration with the Financial Services Authority and Bank Indonesia, took the initiative to hold a financial literacy workshop titled #IbuBerbagiBijak in Bandung (late August 2019) and Yogyakarta (early September 2019).
With guest speaker Prita Hapsari Ghozie (ZAP Financial financial planner) and representatives of the Financial Services Authority in each city, the #IbuBerbagiBijak workshop targeted women part-time workers (freelancers) and women entrepreneurs (MSMEs). In Yogyakarta, MSMEs are under the auspices of the Regional National Crafts Council (Dekranasda).
Workshop #IbuBerbagiBijak about financial literacy for women is very interesting. President Director of PT Visa Worldwide Indonesia, Riko Abdurrahman highlighted the weaknesses of women in managing finances, even though like in a government cabinet, women are the Minister of Finance in the household.
Women, especially mothers must be able to manage finances properly, both for family, personal, and business needs.
Correspondingly, the material provided Prita Ghozie for workshop participants so that personal finance does not mix with business money. According to Prita, there are still many women, especially mothers who do not record household financial statements or business. Never mind not making notes, all budgets put together. Personal finance is mixed with family finance and even business finance.
The result is certain. Disorganized finance. Whatever is received, large or small, is the same, used up without remainder. Do not have savings or more funds. It's sad.
This behavior must be corrected, do not delay. Perform financial records properly. Financial reports can be done manually with a budget book, or using an easy-to-download financial application especially now, smartphones or gadgets are increasingly sophisticated. There is no reason not to diligently record financial statements.
In addition to having to be diligent in recording financial statements, women, especially mothers, must provide unexpected budgets or emergency funds. This is to anticipate unexpected conditions outside of daily life. Not infrequently, this unexpected situation requires no small cost. And how hurtful, for example, we spend for hospitals or children's schools, but do not have funds, even the money in the wallet is only tens of thousands. Ever experienced something like that?
For this reason, an emergency fund is needed. How much should be budgeted for emergency funds? Minimum of two times a month's expenditure. More than two is even better, at least when we experience the unexpected have a supply for one month.
Savings and Investment, do you have?
According to Prita Ghozie, ideally there are two types of savings. Long term and short term savings. Short-term savings are intended for our plans, for example for travel plans or holidays. While long-term savings are investments for the future, for example for children's education such as entering elementary, junior high, high school, and college. Or long-term savings for retirement later.
How to know our finances are healthy?
There are 4 things that determine whether or not healthy household finances, namely:
- Have a debt or not.
- Have an emergency fund?
- Have savings and investments?
- And, is the cost of living smaller than income. Do not get a bigger peg than a pole.
The Financial Literacy Program, organized by Visa, enters its third year of implementation, since it was launched in June 2017. With the hashtag #IbuBerbagiBijak, it has reached 300 women throughout Indonesia.
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