oleh Web Administrator | 8 May 2026 | Financial
Ada aspirasi Sunda Bandung yang berkata "Sauyunan, Cekas, Herang". Artinya, orang bandung hendaknya: kompak, cekatan dan bersih. Apabila dibarengi dengan 5 sifat manusia Sunda paripurna (cageur, bageur, bener, pinter dan singer) bila diterapkan disektor keuangan maka, jadinya *"Sehat Finansial Lahir Batin"*.
- CAGEUR = SEHAT FINANSIAL
Arti Umum: Sehat jasmani-rohani.
Arti Keuangan: Kondisi duit "waras". Gak rungkad utang, gak stress tagihan.
Ciri Cageur Duit:
- Cashflow +: Pemasukan > Pengeluaran. Masih bisa nabung minimal 10%.
- Dana Darurat Ada: 3-6x gaji ngendon di tabungan/SRD. Tatag (berani) kalo kena PHK.
- Utang Sehat: Cicilan <30% gaji. Gak gali lobang tutup lobang pinjol.
- Tidur Nyenyak: Gak deg-degan tiap notif DC.
Ukara Sunda: "Hirup mah kudu cageur, sangkan bisa ibadah jeung usaha" = Duit kudu sehat biar hidup tenang.
- BAGEUR = BAIK HATI DALAM KEUANGAN
Arti Umum: Baik, dermawan, ramah.
Arti Keuangan: Pake duit buat kebaikan & silih asuh.
Ciri Bageur Duit:
• Zakat/Infak/Sedekah/Perpuluhan: 2,5% dari total asset per tahun atau 10% dari Take Home Pay disisihin. Someah hade ka semah.
- Bantu Sesama: Minjemin temen tanpa bunga, nolong korban pinjol.
- Usaha Halal: Gak jualan judol/investasi bodong. Herang caina beunang laukna.
- Bayar Utang: Gak ngemplang. Ajining diri saka lathi. Ukara Sunda: "Kudu bageur ka batur, bageur ka diri" = Baik ke orang, baik juga ke dompet sendiri.
- BENER = BENAR & LEGA
Arti Umum: Jujur, sesuai aturan.
Arti Keuangan: Patuh & Transparan. Cuma pake produk "Legal & Logis" OJK.
Ciri Bener Duit:
- Cek 2L: Legal = terdaftar OJK. Logis = untung masuk akal, bukan 10%/hari.
- Bayar Pajak: Lapor SPT, gak ngakalin faktur.
- Akad Jelas: Pinjam-meminjam ada perjanjian. Investasi ada prospektus.
- Anti Fraud: Gak nge-tipu asuransi, gak mark-up invoice.
Ukara Sunda: "Jalan bener mah moal salah" = Pilih yang bener, gak bakal nyasar ke penjara.
- PINTER = CERDAS FINANSIAL
Arti Umum: Pintar, berilmu.
Arti Keuangan: Melek & Strategis. Ngerti cara duit kerja.
Ciri Pinter Duit:
- Ngarti Produk: Tau beda saham vs reksadana vs SBN vs deposito. Sangkan paraning dumadi.
- Ngarti Risiko: High risk high return. Gak asal FOMO crypto.
- Bikin Tujuan: Dana nikah, DP rumah, pensiun = ada angkanya & waktunya.
- Manfaat Teknologi: Pake Bibit, Bibit, Livin, QRIS buat ngacir nabung. Ngindung ka zaman.
Ukara Sunda: "Pinter kabalinger, bodo kaselang" = Pinter tapi keblinger = rugi. Makanya kudu pinter + bener.
5. SINGER = MAWAS DIRI & PE KA
Arti Umum: Eling, hati-hati, gak gampang kabita
Arti Keuangan: Bisa nahan diri & baca situasi. Rem buat sifat pinter yang kadang gancang ngagoceng.
Ciri Singer Duit:
- Kontrol Nafsu: Gak checkout Shopee jam 12 malem. Tepa slira ke dompet.
- Peka Penipuan: WA "Mama minta pulsa" = Langsung block. Tawaran "profit 30%/bulan" = singer.
- Evaluasi: Tiap bulan cek budgeting. Boros dimana? Tutug benerin.
- Sadar Diri: Gaji UMR gak maksa gaya hidup Sultan. Alon-alon asal kelakon.
Ukara Sunda: "Singer tinu ngabahayakeun" = Mawas diri dari yang bahaya. Judol, pinjol, flexing = bahaya.
RUMUS KEUANGAN URANG BANDUNG CEKAS KAYA LAHIR BATIN = (CAGEUR x BAGEUR x BENER x PINTER) SINGER
- Cageur = Pondasi. Gak sehat, 4 lainnya ambruk.
- Bageur + Bener = Akhlak. Duit banyak tapi nipu = cilaka.
- Pinter = Mesin. Bikin duit beranak.
- Singer = Rem & Setir. Biar pinter-nya gak nabrak.
Contoh:
Tukang cilok di Dago:
- Cageur: Utang modal tunas, masih nabung Rp20rb/hari.
- Bageur: Tiap Jumat bagi cilok gratis ke anak yatim.
- Bener: KUR di BJB, bukan pinjol. Bayar tepat waktu.
- Pinter: Untung ditambahin beli SBN Rpljt via Bibit.
- Singer: Gak tergoda tetangga beli iPhone kredit. Pilih beli gerobak baru cash.
Hasil: 5 tahun kemudian punya 2 cabang + SBN Rp50jt. "Mending kendor ngagembol, tinimbang gancang ngagoceng".
Paribasa Nutup:
"Hirup mah kudu Cageur, Bageur, Bener, Pinter, Singer" = Duit juga kudu gitu. Baru "Gemah Ripah Loh Jinawi"
#08.05.2026
@abefinomics.com
oleh Web Administrator | 3 May 2026 | Financial
Wong Ngapak Purwokerto kuwe terkenal "cablaka"=blakasuta, jujur, apa anane. "Ora ngapak ora kepenak". Nah, sifat cablaka kiye Tatag Teteg Tutug nek digandeng karo literasi keuangan digital. Dadine: dompet aman, ati ayem, urip tentrem.
1. A-Aja Kesusu: NgecekLegalDuluLur, Kaya Tuku Mendoan
Budaya Ngapak#1: Tuku mendoan nang pasar Wage be mesti dideleng: mateng apa mentah, aeng apa ora. Nek kesusu, weteng lara.
Literasi Digital Zaman Saiki#1: Tatag, Teteg, Tutug.
- Tatag Cek OJK: Aja gampang klenik karo "invest bodong 2% sedina". Cek ndisit nang http://ojk.go.id. Nek ora ana = tipu-tipu kayak mendoan gosong: dibuang bae.
- Teteg Takon: Wong Ngapak ora isinan takon. "Kiye bunga pira mas?" Takon CS bank, takon kanca sing wis paham. Isin qtakon = _kesasar neng dalan_.
- Tutug Catat: Mbiyen nyatet utang nang _dinding warung_. Saiki nyatet nang App Catatan Keuangan. Ben ngerti duite mlayu maring endi: nggo rokok apa nggo tabungan.
- Bahasa Ngapak: "Aja mung nuruti kepengin, dompete sing meringis". Artine: aja FOMO, engko nangis.
2. B - Blakasuta: Jujur Karo Aweke Dhewe, Karo HP Dhewe
Budaya Ngapak#2: Ngomong cablaka. Nek ora duwe ya ngomong ora duwe. Ora gengsi-gengsian.
Literasi Digital Zaman Saiki#2= Penyakit Digital*:*Pinjol llegal*: "Cair 5 menit, KTP tok". Lagi butuh nggo tuku _cilok_, jebule jebakan. Bunga 1%/dina. Utang Rpljt dadi Rp9jttelung sasi. DC nelpon ngasi tekan _pak RT_.
- [1]Judol/Judi Online: "Depo 20 ewu dadi jutaan". _Jebule_ bandar sing sugih. Rika sing kere. Ngisin-isinke wong tua.
- Flexing Utangan: Kredit HP anyar nggo story WA. Padahal cicilane mangan gaji. Kuwi jenenge "melarat gaya sultan".
Aksi Segenap Hati Wong Banyumas: Rumus 2L OJK: Legal & Logis. Nek ora masuk akal = mending turu. Nek bank BRI nyaurani KUR 6% / taun, masa iya ana wong wani nyaurani 1% / dina? Mikir Lur.
3. C - Cengkir: Cilikan Tapi Dadi, Nabung Digital Mulai Saka Receh
Budaya Ngapak#3: "Cengkir tiring, esih kuncup janjane". Artine: cilik ora papa, sing penting bakal dadi.
Literasi Digital Zaman Saiki#3 = Cengkir Zaman Now:
- QRIS nang Alun-Alun: Bakul getuk goreng, bakul tempe mendoan wis QRIS. Ora usah nggoleti kembalian. Penjual aman, pembeli kepenak.
- Nabung Emas Rp 10 ewu: Nang Pegadaian Digital. Mbiyen celengan ayam, saiki celengan emas digital. Setahun nglumpuk, dadi anting nggo anak wedok.
- SBN Ritel: Tuku SUN nang Bibit/Livin. Mulai Rp 1jt. Bungane 6,5% / taun, dijamin negara. Aman Lur, ora kaya arisan bodong.
- Dana Darurat: Wong Purwokerto ngomong "simpanan kanggo mbendino sapa ngerti ana apa-apa". Simpane nang Bank Digital bunga 4-6%. 6x gaji. Nek montor mogok, ora utang. Wong Ngapak Tatag adaptasi, ora kudet.
4. D - Dandani: Mbeneri Kebiasaan, Aja Dibaleni[2]
Budaya Ngapak#4: Nek klambi suwek ya didandani. Nek dalan rusakya digawekan.
Literasi Digital Zaman Saiki#4: Utang Digital Kudu Didandani:
- Stop Gali Lubang Tutup Lubang: Nyaur pinjol nggo pinjol. Kuwi "tambah suwek tambah ndedel". Mandeg. Ngakua karo keluarga.
- Skala Prioritas Ngapak: "Ndangir kudu urut". Urutane: 1) Pangan, 2) Utang, 3) Tabungan, 4) Kepengin. Tuku speaker nggo orgena tunggal bisa ngenteni.
- Komunitas Melek: Nang Purwokerto akeh komunitas. Gawe grup WA "Inyong Melek Finansial". Nek ana SMS "Mama minta pulsa" = langsung share, ben konco ora kena.
Pepatah Ngapak: "Kebo nyusu gudel" = Wong tua malah ngutang karo anake. Aja ngasi kedaden. Wong tua kudu melek digital, anake kudu setulus hati ngajari.
5. E - Ebeg: Bareng-Bareng, Aja Dewekan
Budaya Ebeg Banyumas: Nari bareng, kuda Lumping bareng, kesurupan be bareng. Intine: gotong royong.
kraca didol nang Shopee/Tokopedia. Bayare QRIS. Wong Jakarta dadi ngerti rasane Ngapak.
Rumus Tutug Wong Ngapak:
Ayem = (Cablaka x QRIS x Nabung Cengkir) " Ora Pinjol
Penutup:
Memimpin dengan Budaya Ngapak (Banyumasan):
- Aspirasi Digital#1 : HPmu Sumber Pendapatan: HP-ne nggo ngasilna duit, udu ngentekna duit. Jualan nang online, udu judol.
- Aspirasi Digital#2 : Gotong royong lawan pinjol ilegal: Ngaku nek kebentus pinjol. Ora usah isin. Luwih isin nek mlayu.
- Aspirasi Digital#3 : Cek Layanan Online: Ngajari wong tua transfer MBanking. Ben ora ngantri neng bank panas- panasan.
- Aspirasi Digital#4 : Dijaga jempole: Jaga jeneng Purwokerto. Kota Satria, aja dadi Kota Korban Pinjol ilegal.
Pantun Ngapak nutup:
"Mangan mendoan karo dawet, neng alun-alun Purwokerto. Nek kepengin urip slamet, Literasi digital kudu nyantol neng ati rika."
Takon Lur: Rika wis duwe QRIS apa urung? Apa esih seneng nyelengi neng ngisor kasur?* Crita bae, inyong rungokna karo segenap hati.
#03.05.2026
@abefinomics.com
[1]Data Bl 2024*: Banyumas transaksi QRIS naik 310% yoy. Jebule
[2]Literasi Digital Zaman Saiki#5 : Gotong Royong*:
- *Ajari Tangga*: Mboke neng pasar Manis esih bingung QRIS. _Rika_ sing nom ajari. Kuwi Jbadah Lur_.
- *Lapor Bareng*: Nek ana DC pinjol ilegal neror sekampung, lapor bareng nang Satgas PASTI OJK 157. Jnyong, rika, sida pada kuwat_.
- *Bangun UMKM Digital*: Tempe mendoan, getuk goreng,
oleh Web Administrator | 2 May 2026 | Financial
Di Ambon Manise, orang bilang "Pela Gandong"* = ikatan persaudaraan. "Sagu salempeng dipatah dua" = susah senang dibagi. Budaya ini dapat dikaitkan dengan pentingnya literasi keuangan di era digital. Sehingga hasilnya adalah ketahanan dan kesejahteraan finansial hingga lebih dari 20 tahun setelah usia pensiun (Financial wellbeing).
1. C - Ciduk: Tangkap llmu Digital, Jangan Cuma Tangkap Ikan
Ciduk dalam Budaya Ambon: Orang Ambon jago ciduk ikan di laut. Sabar, tau musim, tau alat.
Lliterasi Digital#1: Sekarang "laut" bergeser ke HP.
- Aplikasi Ada Plus dan Minus: QRIS, BRImo, DANA, Bibit, Bareksa = jaring baru. OJK bilang 97 fintech legal. Sisanya = "ikan beracun" alias pinjol ilegal.
- Cek legal: Sebelum "ciduk" pinjaman, cek di http://ojk.go.id. Kayak cek umpan sebelum mancing. Kalau nggak resmi = buang.
- Catat: Nelayan catat pasang surut. Kamu catat keluar-masuk uang di app Catatan Keuangan. Biar tau "musim paceklik" datang kapan.
Strategi Pela Gandong Finansial: Di kampung, kalau ada yang susah, masohi rame-rame bantu. Di digital: ajarin mama di rumah pakai QRIS pasar, biar nggak bawa cash banyak.
2.1 - Inspirasi Ale Rasa Beta Rasa: Risiko Digital = Rasa Bersama
Inspirasi Risiko dari Budaya Ambon: Kapal goyang, satu rasa. Satu keluarga susah, semua bantu. Tapi susah karena judi online = malu satu negeri.
Literasi Digital#2: Ada Risiko Digital Zaman Now sbb:
- Klik link Hadiah: "Selamat ale dapa Rp 100jt dari Baim Wong". Itu tipu-tipu di Ambon bilang biking bodo. Sekali klik, rekening kase tinggal.
- Pinjol ilegal: Bunga 1% / hari. Pinjam Rp 1jt, 3 bulan jadi Rp 9jt. Diteror sampe ke baileo. Malu satu mata rumah.
- lnvest Bodong: Robot trading, titip dana "pasti profit 10% / hari". Itu Kabar Bohong = Kambing Hitam.
Strategi Rumus Ambon: "Jang talalu percaya orang, percaya Tuhan saja". Di era digital: 2L = Legal & Logis. Return wajar reksadana 6-12% / tahun. Kalau janji 1% / hari = tinggal lari. 3. D- DisipUn Bagi Sagu Salempeng: Bagi Hasil, Risiko, & llmu Disiplin Dalam Budaya Ambon: Makan sagu satu lempeng dibagi rame-rame. Arti: hidup harus kalesang = berbagi.
Literasi Digital#3= Sagu Modern=Menabung
- Menabung Digital: Celengan bambu ganti jadi Tabungan Emas Pegadaian Digital, SBN Retail di Bibit. Mulai Rp 10rb = 0,01gr emas. Menabung adalah harus mulai dari kecil.
- lnvestasi Pela-Gandong: Di Ambon ada arisan. Di digital ada crowd funding UMKM Ambon lewat Amartha/Modal Rakyat. Beta bantu usaha pala di Hitu, ale bantu usaha ikan di latuhalat. Profit bisa bagi dua.
- QRIS untuk Pasar Mardika: Mama-mama jual papeda sudah bisa QRIS. Nggak takut uang sobek, nggak takut pencuri tenang.
Strategi Disiplin Ambon Data OJK 2024: Maluku transaksi QRIS naik 280% yoy. Bukti orang Ambon berani dan mampu beradaptasi. Tingkatkan disiplin menabung, berbagi peran dan beban, investasi.
4. U-Upaya Hadapi Badai: Dana Darurat ala Kapal Nelayan
Upaya Hadapi Badai dalam Budaya Ambon: Nelayan nggak melaut pas musim barat. Simpan ikan asin buat musim paceklik.
Literasi Digital #4 = Dana Darurat Digital:
- Rumus Beta: 6x belanja bulanan. Simpan di RDPU/Bank Digital bunga 4-6%. Jangan di saham.
- Asuransi = Pelampung: BPJS Kesehatan + Asuransi Nelayan. Beta sakit, keluarga nggak jual kapal. BPJS TK untuk sejahtera sampai 20 tahun setelah usia pensiun.
Strategi Sadar Badai Ambon: Mengelola keuangan dengan bijak: Bedain Kebutuhan vs Keinginan: Kapan beli speaker buat pesta = keinginan. Kapan Beli cool box buat jual ikan = kebutuhan. Belajar sadar hari dan jujur sama diri.
5. K- Katorang Basudara: lawan Jerat Digital dengan Adat
Katorang dalam Budaya Ambon: Kalau ada anak mata rumah kena masalah, tua-tua adat turun tangan.
Literasi Digital#5: Jerat Digital yang Harus Dilawan
- Judol/Judi Online: "Coba-coba dolo". Di Ambon bilang "sakali lancung ke ujian, seumur hidup orang sonde percaya". Sekali judol, habis tanah.
- Flexing Kosong: Pinjam buat beli iPhone biar dibilang laki-laki gagah. Padahal financial wellbeing = tidur nyenyak, bukan gaya.
- Gali Lubang Tutup Lubang: Pinjol A buat bayar pinjol B. Kayak perahu bocor tambah bocor.
Strategi Pela Gandong:
- Bikin Komunitas "Moluccas Melek Digital": Di baileo ajar Oma-Opa bedain SMS bank asli vs palsu.
- Lapor ke Satgas PASTI OJK: 157. Kalau ada tetangga diteror DC, bantu lapor. Ale rasa, beta rasa.
- Jaga Nama Baik Negeri: Ambon jangan rusak karena pinjol & judol. Kerelaan hati bersama menjaga ketahanan ekonomi dan finansial.
RUMUS FINANCIAl DIGITAl ANAK AMBON
Wellbeing = (Pela Gandong x literasi QRIS x Dana Darurat Sagu) Tolak Pinjol Ilegal
Perlunya Memimpin Penguatan literasi Keuangan secara kolaboratif dengan 4 Prinsip kebiasaan Keuangan yang baik:
- Kebiasaaan Menabung: Pakai HP bukan cuma buat TikTok, tapi buat nabung emas & beli SBN.
- Kebiasaan Terbuka Keuangan: Ngaku kalau udah kejebak pinjol. Minta tolong _mata rumah_, jangan bunuh diri.
- Kebiasaan Pembayaran dan Utang yang baik. Ajar mama di pasar pakai QRIS. Itu ibadah. CC sebagai alat bayar bukan alat utang.
- Kebiasaan Ekonomi dan Keuangan kreatif: Bikin Ambon jadi "Kota Musik & Kota Melek Digital' bukan "Kota Korban Pinjol".
Ingat pantun orang Ambon:
"Kalau ada sumur di ladang, boleh kita menumpang mandi. Kalau hidup mau aman sekarang, literasi digital kalesang mari." Beta tanya dolo: Ale su punya rekening Bibit atau masih simpan doi di bawah bantal? Kase tau, biar katong kalesang carita solusinya.
#02.05.2026
@abefinomics.com
oleh Web Administrator | 13 Mar 2026 | Achievement
It was March 12, 2026, that filled me with immense gratitude. The Indonesian House of Representatives (DPR RI) in a Plenary Session accepted and approved the report of the Chairman of Commission XI, Dr. Muhammad Misbakhun, regarding the results of the Fit and Proper Test for the Candidate for Chief Executive of the Financial Services Authority (OJK) for the 2026-2031 period.
For me, this represents a mandate and responsibility to fulfill the expectations of national leaders, investors, and financial services businesses, to realize a trustworthy, credible, deep, and stable Indonesian financial sector capable of contributing to inclusive and optimal economic growth, enabling the realization of a Dignified, Advanced Indonesia for 20 years after retirement.
March 13, 2026
oleh Web Administrator | 13 Mar 2026 | Management
Karapan Sapi, is an annual traditional event originally from Madura, East Java. It is such a bull racing tournament. It is usually held at the week-end within August to September, or ideally before or after the fasting month. Date back to the early begin, Karapan Sapi was existed before 15 Century. The championship starts from the district level to the regency level and moving forward to the level of residence. Finally, the final will be held on September or October in the city of Pamekasan to compete for the President Cup.
Looking at the background, bulls are not animal type for racing activities for they are not classified as fast runner animals. To some extent, expecting the bull to race may be similar to expecting bureaucracy to speed up the process of administration or to innovate. You might become crazy yourselves expecting bureaucracy to change. However, I do hope that this will not always be the case.
For “karapan” this can be solved by training the bull twice or three times a week, not more than that. The exercise was held around 3pm before dawn. It was said that a pair of healthy and strong bulls would cost IDR 4 millions per pair for their food and other maintenance. Moreover, they were also consuming some traditional herb and dozens of chicken eggs per days.
By the same way, could we expect public servants in the bureaucracy to perform well by providing a good salary, long hours of education and abundant time for training and exercise or even an excessive supervision every day? Remember, they are human with mind and soul; they also have families to be taken care of. Pouring budget to satisfy full of their needs would cost the national budget a lot more than IDR 4,000,000 a week (a monthly pension fund received by the Indonesian retired general who used to serve in the military). Moreover, how much funds should be allocated for public servants that would be enough to make them perform better? Everyone may guess.
Consequently, the first important thing in reforming bureaucracy is to touch public servants heart, motivate them and give them trust to develop better system in the current world with its great volatility, uncertainty, complexity and ambiguity. In addition, unleash the bureaucratic laws and regulations that limit them to innovate.
Not to mention, there are some secret information. In order to make the bulls running as fast as they can, their tails were tied with nails and added with the chili and ginger. The jockey’s whip was also equipped with nails. It seems so sadistic here, but that was the game and the culture. The more they get hurt, the more the bulls run faster and faster.
Oh my God, should we use such kind of sadistic ways to make public servants to move faster for reform? As citizens, sometimes we ended up by thinking like the “Karapan” audience. We wanted to get good entertainment by expecting public servants to innovate, develop good infrastructures for better development. In fact, we forgot that the “bull” and the jockey had been long-suffering for a decent treatment due to the very low salaries, poor education/training and even low-level of honor and dignity. The public sector system and their people had been easily infected by corruption and dirty politics. Hopefully, there are still many of us who want to strive for the reform, particularly in developing more strategic leaders to induce innovation in the bureaucracy.
May God bless the public servants and the Indonesian bureaucracy reform agenda!
Sources:
- http://eastjava.com/blog/2010/10/12/karapan-sapi-madura/astjava.com/blog/2010/10/12/karapan-sapi-madura/
- https://adibudiarso.wordpress.com
oleh Web Administrator | 1 Feb 2026 | Business
A reflection and contemplation.
What is the Indonesian Capital Market and What are the Challenges of the Indonesian Capital Market from 1995 to 2025?
The challenges of the Indonesian Capital Market from 1995 to 2025 include several factors, including:
- Global economic crisis: Global economic crises such as the 1997 Asian financial crisis, the 2008 global financial crisis, and the 2020 COVID-19 pandemic have affected the Indonesian capital market.
- Dependence on foreign investment: The Indonesian capital market is highly dependent on foreign investment, so changes in global economic conditions can affect market performance.
- China's economic slowdown: A slowdown in the Chinese economy could impact Indonesian exports and capital market performance.
- Donald Trump's policies: Donald Trump's protectionist policies could impact international trade and the performance of the Indonesian capital market.
- Global geopolitical dynamics: Geopolitical conflicts such as the Russia-Ukraine war and Middle East tensions can affect the global capital market, including Indonesia.
- Factor X: Shock factors such as the COVID-19 pandemic can significantly impact the capital market.
- Indonesia's capital market reforms from 1995 to 2008 included several important steps, including:
Law Number 8 of 1995 concerning Capital Markets served as the primary legal basis for Indonesia's capital market reforms. These reforms aimed to increase credibility, competitiveness, and investor confidence in the Indonesian capital market.
- Trading Automation: Implementation of the Jakarta Automated Trading System (JATS) to improve transaction efficiency.
- Scripless Trading: Eliminating the use of physical documents in stock transactions.
- Remote Trading System: Allowing investors to conduct transactions remotely.
- Stock Exchange Merger: The merger of the Jakarta Stock Exchange (JSX) and the Surabaya Stock Exchange (SSX) into the Indonesia Stock Exchange (IDX) in 2007.
Indonesia's capital market reforms from 2008 to 2015 included several important steps, including:
- Stock Exchange Merger: The merger of the Jakarta Stock Exchange (JSX) and the Surabaya Stock Exchange (SSX) into the Indonesia Stock Exchange (IDX) in 2007, which became effective in 2008.
- Improved Transparency: Increased transparency of share ownership and shareholder disclosure.
- Strengthening Share Ownership Data: Strengthening more granular and reliable share ownership data.
Indonesian capital market reforms from 2016 to present and the need for future Indonesian capital market reform:
Indonesian capital market reform aims to increase credibility, competitiveness, and investor confidence in the Indonesian capital market. Some strategic initiatives that can be undertaken include:
- New Free Float Policy: Raising the minimum free float limit for issuers to 15% in line with global standards, applicable to new IPO issuers and existing issuers undergoing a transition period.
- Strengthening Share Ownership Data: Increasing share ownership transparency by grouping them based on investor categories.
- Stock Exchange Demutualization: The demutualization process of the Indonesia Stock Exchange (IDX) to enhance independence and professionalism.
- Regulatory Enforcement and Sanctions: Improving regulatory enforcement and sanctions against legal violations, including stock transaction manipulation and misleading information.
- Issuer Governance: Mandatory continuing education for Directors/Commissioners/Audit Committees and CA (Certified Accountant) certification for issuer financial report preparers.
- Market Deepening: Accelerating market deepening initiatives, from the demand, supply, and infrastructure sides.
- Collaboration and Synergy: Increasing collaboration and synergy with stakeholders to accelerate capital market integrity reform.
Several discussions and updates on the need for transformation of the Indonesian capital market.
Dr. Adi Budiarso
@abefinomics
oleh Web Administrator | 13 Jan 2025 | Management
The leadership assessment approach, known as the Genetic Mapping Program (GMP Program), maps the client's fingerprint scan results, rather than through questions or interviews. This analysis captures innate or genetic factors, which play a role in developing a person's competencies, in addition to environmental and motivational factors.
There are eight aspects to the Professional Genetic Mapping Program Analyst Report, which will provide the following analysis results:
- Which half of your brain dominates? Portrait of Left and/or Right Brain Dominance. Analyze your brain dominance and how to optimize it.
- Which Auditory or Learning Style is Right for You? There are three individual learning styles: Visual, Auditory, and Kinesthetic. Analyze your learning style dominance and how to sharpen it.
- Which Logical or Multiple Intelligence potential do you possess? Analyze your dominant intelligence (logical, visual-spatial, linguistic, musical, bodily-kinesthetic, interpersonal, intrapersonal, naturalist) and how to optimize it.
- What Adaptation or Key Personality Skills do you possess? Analyze your personal skills (leadership, communication, operational, managerial, adaptation) and how to optimize them.
- Discover your core skills and motivations (logic, conceptual imagination, audio-linguistic, music appreciation, operational dexterity, physical skills and arts, planning, relationships and creativity, research, observation). Analyze your core skills and motivations and optimize their development.
- Identify your personality traits (extrovert, intuitive, feeling, perceiving). Analyze your personality traits to discover and recognize your strongest potential.
- Your Work Style (high accuracy, fast reactions) and Learning System (learning system: broad/deep). Analyze your learning system and work style, discover learning strategies and how to stimulate and manage them optimally.
Every person has inherent abilities known as talents or potentials, which are innate and related to the characteristics of each individual's brain. A person's leadership ability is influenced by genetic factors in the form of innate potential (inherited) but also by aspirational factors that can be developed. Every individual is unique, one in 8 billion people on earth. You can be shaped into an effective leader using the full potential you currently possess.
Analyze the overall portrait of your 7 aspects of GMP Analysis and you can build your leadership signature with the help of a professional coach. Several Leadership Coaching sessions can help you understand your personality traits and design steps to maximize your full potential.
Dr. Adi Budiarso, FCPA (Founder of AB Center).
@abefinomics
02.04.2024;13.01.2025
