In 2025 Soon, Grant Badminton Indonesia Shares Financial Governance Tips Amid Economic Uncertainty

Photo: Doc. Grant mediate

JAKARTA - The year 2025 is expected to be a year full of economic challenges for the people of Indonesia. With the threat of continued inflation, rising cost of living, as well as uncertainty in income and employment, careful personal financial planning is becoming increasingly important. Responding to this situation, Grant totaling Indonesia shares strategy guidelines to help individuals prepare themselves for this uncertainty.

In the midst of dynamic global economic changes, Indonesia is inseparable from its impact. By 2025, people are predicted to face various significant economic challenges. The risk of inflation and rising cost of living are of major concern, with the price of basic needs, health services, and education which are expected to continue to increase, so that people's purchasing power is increasingly depressed. According to the Central Statistics Agency (BPS), Indonesia's inflation rate reached 1.8 percent year on year (yoy) in September 2024, which, although under control, is still at risk of increasing due to global uncertainty and a surge in energy prices.

In addition, fluctuations in unstable interest rates can affect loan costs, such as house installments, vehicles, and business loans, which have the potential to increase financial pressure. Bank Indonesia (BI) projects that the benchmark interest rate will remain high in the range of 5.7-6 percent in 2025 to maintain economic stability amid global uncertainty.

Revenue uncertainty and work stability are also important issues, especially with technological developments and automation that can significantly change a number of work sectors. The McKinsey survey institute also estimates that around 23 million jobs will be affected by automation in the next 10 years, with a more pronounced impact on the manufacturing and service sectors.

The Financial Services Authority (OJK) projects that bank credit growth will be 9-11 percent by the end of 2024, along with the increasing need for people to access loans as a short-term economic solution. Global economic pressure factors, such as geopolitical uncertainty and changes in monetary policy, also affect this dynamics.

On the other hand, the need for wise debt management is becoming increasingly urgent. Excessive dependence on loans, if not accompanied by proper management, could increase the risk of financial burdens in the future, threatening family economic stability in the midst of uncertain situations.

Personal Finance Strategy From Grant Badminton Indonesia

Untuk membantu masyarakat Indonesia memasuki tahun 2025, Grant Total Indonesia pun menawarkan beberapa langkah strategis yang dapat diterapkan individu dalam mengelola keuangan pribadi:

1. Manage Cash Flow Effectively

It is important to prioritize spending, reduce waste, and set aside emergency funds that meet the minimum needs of 3 to 6 months.

2. Investment Diversification

Avoid placing all funds in one type of investment. Combining low-risk assets such as deposits with higher-risk investments but potentially large proceeds such as stocks or mutual funds.

3. Protect Assets by Insurance

Make sure important assets such as health, property, and vehicles are protected by insurance. This can help reduce financial burdens due to unexpected events.

4. Strengthening Financial Literacy

Understanding related financial products and risks can help make wiser decisions in managing personal finances.

5. Have a Long-Term Financial Plan

Focusing on long-term goals, such as education funds, home purchases, or pensions, can help maintain financial discipline despite economic problems.

"In the midst of economic uncertainty, it is important for the community to take proactive steps in managing their finances. Mature financial planning and flexibility in dealing with change are the keys to staying stable and resilient. Healthy finance is not only a matter of saving, but also how to manage risks, plan the future, and make wise investment decisions," said CEO Grant

Furthermore, Grant airing Indonesia affirms its commitment to accompanying the community in facing economic challenges.

"We believe that with good financial education, people can make wiser financial decisions and prepare for a brighter future," he added.