#IniUntukKita - Investasi sebagai bagian dari upaya pencapaian Tujuan Pembangunan Berkelanjutan (TPB)

Sustainable Development Goals (SDGs) atau dalam bahasa Indonesia disebut Tujuan Pembangunan Berkelanjutan (TPB) merupakan suatu gerakan global yang bertujuan untuk mencapai tujuan - tujuan spesifik dalam berbagai aspek kehidupan, yaitu aspek ekonomi, lingkungan, dan sosial. Konsep ini pertama kali dikemukakan dalam suatu pertemuan para pemimpin dunia di tahun 2015. Indonesia merupakan salah satu negara yang hadir dan ikut mengesahkan TPB.

Dalam pertemuan tersebut, disepakati bahwa negara - negara yang hadir akan berpartisipasi dalam mewujudkan TPB yang diharapkan dapat dicapai di tahun 2030. Sebagai bentuk dukungan pemerintah Indonesia, peraturan terkait pelaksanaan pencapaian TPB diatur dalam Peraturan Presiden (Perpres) No.59 tahun 2017. Adapun TPB ini terdiri dari 17 tujuan, yakni :

1. Penghapusan kemiskinan;

2. Mengakhiri kelaparan;

3. Kesehatan yang baik dan kesejahteraan;

4. Pendidikan bermutu;

5. Kesetaraan gender;

6. Akses air bersih dan sanitasi;

7. Energi bersih dan terjangkau;

8. Pekerjaan layak dan pertumbuhan ekonomi;

9. Infrastruktur, industri, dan inovasi;

10. Mengurangi ketimpangan;

11. Kota dan komunitas yang berkelanjutan;

12. Konsumsi dan produksi yang bertanggungjawab;

13. Penanganan perubahan iklim;

14. Menjaga ekosistem laut;

15. Menjaga ekosistem darat;

16. Perdamaian, keadilan, dan kelembagaan yang kuat;

17. Kemitraan untuk mencapai tujuan.

 

Ketujuhbelas tujuan ini hanya dapat diwujudkan dengan partisipasi kolektif yang dilakukan oleh seluruh masyarakat. Kesadaran masyarakat dan penyebaran informasi oleh pihak penguasa perlu dilakukan demi tercapainya TPB. Tanpa partisipasi masyarakat, tujuan - tujuan ini mustahil untuk diwujudkan.

 

Sebagai masyarakat, salah satu partisipasi nyata yang bisa dilakukan untuk berkontribusi dalam pencapaian TPB adalah dengan ikut serta dalam program - program pemerintah yang mendukung TPB. Salah satu cara yang dapat dilakukan adalah dengan melakukan investasi di Surat Berharga Negara (SBN) Ritel yang dikeluarkan oleh Pemerintah.

 

Mengapa? Jawabannya adalah karena SBN merupakan suatu instrumen investasi yang dikeluarkan oleh Pemerintah dengan tujuan untuk membantu pembiayaan APBN guna membangun Indonesia. SBN Ritel ini dapat dibeli oleh Warga Negara Indonesia yang memiliki KTP dan NPWP. Selain itu, nantinya investor akan dibuatkan SID (Single Investor Identification) yang dapat dikatakan sebagai NIK yang wajib dimiliki oleh investor.  

 

Dengan berinvestasi di SBN, secara otomatis kita ikut berpartisipasi dalam proyek - proyek pembangunan negara yang biayanya sudah dicanangkan di dalam APBN. Proyek - proyek ini mencakup berbagai sektor, seperti pembangunan infrastruktur, pemerataan pendidikan, pemulihan ekonomi, serta penanganan Co-Vid 19. Penjelasan lebih lanjut mengenai proyek - proyek yang dibiayai SBN Ritel ini bisa dipantau di situs - situs dan media sosial Kementerian Keuangan.

 

Ada beberapa produk SBN Ritel yang ditawarkan pemerintah, yaitu Saving Bond Ritel (SBR), Sukuk Tabungan (ST), Obligasi Negara Ritel (ORI), dan Sukuk Ritel (SR). Keempat produk investasi tersebut memiliki tujuan yang sama, yakni untuk membantu pembiayaan pembangunan negara. Adapun perbedaan produk tersebut terletak di tipe produk, suku bunga, masa jatuh tempo, dan bisa atau tidaknya produk tersebut diperdagangkan di pasar sekunder.

 

Tabel berikut memperlihatkan karakteristik SBN Ritel yang dikeluarkan oleh pemerintah :

Kategori	Surat Utang Negara (SUN)		Surat Berharga Syariah Negara (SBSN)
	ORI	SBR	ST	SR
Tenor (jangka waktu)	3 tahun	2 tahun	2 tahun	3 tahun
Suku bunga	Tetap (fixed rate)	Mengambang (floating with floor)	Mengambang (floating with floor)	Tetap (fixed rate)
Perdagangan di pasar sekunder	Bisa	Tidak bisa	Tidak bisa	Bisa
Pencairan awal (early redemption)	Tidak	Bisa, dalam jangka waktu yang sudah ditentukan dan minimal pencairan 50% dari pokok.	Bisa, dalam jangka waktu yang sudah ditentukan dan minimal pencairan 50% dari pokok.	Tidak

 

Di tahun 2020 ini, Pemerintah telah mengeluarkan beberapa SBN Ritel, di antaranya SBR009, SR012, ORI017, dan SR013. SR013 merupakan SBN Ritel paling terkini yang diluncurkan oleh pemerintah. Masa penawarannya dimulai dari 28 Agustus 2020 hingga 23 September 2020.

Info SR013 dari IG Story @djpprkemenkeu 

Berinvestasi di SBN Ritel memiliki beberapa keuntungan yang patut menjadi pertimbangan, di antaranya aman, mudah dilakukan, menguntungkan, dan tentunya memberikan jasa bagi negara. Beberapa faktor ini membuat berinvestasi di SBN Ritel sangat disarankan untuk dilakukan bagi masyarakat.

 

Investasi di SBN Ritel dipastikan aman sebab pengembalian pokok dijamin 100% oleh negara. Jadi dapat dipastikan dana pokok pasti kembali sesuai masa tenor yang ditentukan. Investasi ini mudah dilakukan karena proses pembelian SBN Ritel sangat mudah dan cepat. Pembelian dapat dilakukan melalui mitra distribusi yang telah ditunjuk, baik secara offline (biasanya melalui bank) maupun online (melalui aplikasi mitra distribusi yang telah ditunjuk) yang prosesnya mudah dan cepat. Ketika pertama kali melakukan pembelian secara online, saya hanya perlu 2 hari kerja (1 hari untuk membuat SID, dan kemudian melakukan pembelian secara online esok harinya).

Selain itu, investasi di SBN Ritel menguntungkan karena setiap bulannya investor akan memperoleh bunga yang diberikan dalam bentuk kupon/imbalan sesuai dengan ketentuan yang telah disebutkan. Besar kupon/imbalan ini juga sudah langsung dipotong pajak. Jika investor membeli SBN Ritel yang bisa diperdagangkan di pasar sekunder, maka keuntungan bisa diperoleh dari hasil penjualan SBN Ritel tersebut. 

Keuntungan terakhir yang perlu dijadikan pertimbangan untuk berinvestasi di SBN Ritel adalah keuntungan untuk menjadi pahlawan negara. Mengapa demikian? Sebab para investor SBN Ritel ikut memberikan kontribusi dalam program - program negara yang manfaatnya akan dirasakan langsung oleh masyarakat di Indonesia.

 

Hal ini menjadi salah satu faktor penting dalam perwujudan TPB yang telah disebutkan sebelumnya. Dengan melakukan investasi di SBN Ritel, maka para investor ikut berpartisipasi dalam mewujudkan tujuan - tujuan yang ingin dicapai dalam TPB. Hal ini menunjukkan bahwa masyarakat bisa saling gotong - royong membangun negeri ini melalui investasi.

  

Dari paparan di atas, dapat disimpulkan bahwa melakukan investasi di SBN Ritel merupakan suatu bentuk partisipasi nyata yang dapat dilakukan oleh masyarakat demi tercapainya TPB yang sangat penting untuk seluruh aspek kehidupan di bumi ini, khususnya bagi umat manusia, terkhususnya lagi di Indonesia.  

 

Melalui investasi di SBN Ritel, masyarakat dapat membantu pembiayaan pembangunan negara agar negara bisa mengatasi berbagai masalah - masalah yang dihadapi dengan bantuan masyarakatnya. Hal ini pun sesuai dengan prinsip demokrasi dari rakyat, oleh rakyat dan untuk rakyat.

 

Partisipasi masyarakat sangat diperlukan karena dengan menyadari bahwa isu - isu yang dialami ini nyata dan serius, masyarakat, khususnya para pemuda selaku agen perubahan, bisa membantu menyebarluaskan hal ini kepada orang - orang sekitar dan harapannya, akan ada semakin banyak orang yang peduli dan ambil bagian untuk ikut berpartisipasi dalam pembangunan negeri ini. Jadi, mari mulai berinvestasi untuk negeri ini.

Note :

Referensi tulisan : 

Websites :

1. https://www.sdg2030indonesia.org

2. https://www.coursera.org/learn/sustainable-development-ban-ki-moon/

3.https://www.kemenkeu.go.id

4. https://id.m.wikipedia.org/wiki/Tujuan_Pembangunan_Berkelanjutan

5. https://id.tanamduit.com/sbn

6. https://www.dbs.id/digibank/id/id/articles/wealth-101-memahami-jenis-surat-berharga-negara

7. https://m.bareksa.com/id/text/2020/02/06/perbedaan-sbr-dengan-ori-deposito-reksadana-dan-saham/24244/news

8. https://www.djppr.kemenkeu.go.id/page/load/2236

9. https://kemenkeu.go.id/sukukritel

 

Media Sosial:

1. Instagram @djpprkemenkeu

2. Instagram @kemenkeuri

 

The Science of Well-Being

                                      

I’m currently learning and attending course about “The Science of well-being”, hosted by Dr. Laurie Santos. I learn it from Coursera and I found this platform attractive and Coursera give great free courses until this May, in case you’re interested or need activities to do during this sty at home period.

So, it’s my second week to attend the online course.

At the first week, we learnt and took time to measure our own score of happiness through some Quizzes. I tried all the tests and found out that I had a pretty not good grades (lol). We’re going to re-take the quiz at the end of the course and let’s so if there is any changes in that.

At week two, Dr. Santos gave lecture about how things are not actually make us happy. It based on the researches that have been conducted since long time ago. Basicly, good grades, good job, good relationship, good-looking appearance or losing weight don’t really influence our happiness.

Some factors that are found to influence happiness are Genetic (50%), Life Circumstances (10%), and Action/Thoughts (40%).

We can’t change or really do anything to the genetic or life circumstances, so you’d better focus on your action/thoughts. But many people seeks happiness at the wrong direction, so it’s even harder to attain that goal.

PERMA Quiz Result

Example of the Quiz

We can build happiness through simple habits. But we need to do it CONSISTENTLY. And the simple habits that are recommended from this session are Savouring and Gratitude. Savouring means being fully present to what we are doing and genuinely enjoy it. Give yourself time to appreciate the books that you’re reading or the activity that you’re doing. And it’s stated that there are some techniques to enhance this savouring moments such as sharing the experience with another person, thinking about how lucky you are to enjoy such an amazing moment, keeping a souvenir/photo of the moment and it’s highly recommended to spare 5-10 minutes of your time every night to write a gratitude journal and write down 5 things that make you become grateful that day.

Besides savouring, gratitude is a habit that must be developed. Gratitude is positive emotional state  in which someone appreciates and recognizes what they have in life. This habit is important to do as if oneself doesn’t feel grateful, they will keep on wanting for more and can’t be happy even though they already have more than what they need. In this course, there is one study where people with different salary were studied about their financial situation and if they feel that their salary is enough for living. Based on that research, it turns out that they don’t feel enough and want more salary, even though one of them has earned more than what the average person usually earn. 

This is why gratitude is important in order to reach happiness.

As I mentioned above, I just attended week two for the courses, so I will end the story here and may be I’ll come back and tell more stories later :)

If you’re interested to take the courses, here is the link.

How’s your stay at home moment guys? I hope we can get through this tough moment and this too shall pass.

Stay happy, healthy and maintain yourself! See ya the other time :)  

Conflict Management Resolution

Today, I listened to a Podcast from Inspigo, the speaker was Mr. Fajar Anugerah, a psychology-background speaker. He is from Kinara.id. He talked about “Conflict Management”.

Conflict is caused by difference, either it’s difference in Point of View, in preference or anything.

Even though conflict is usually seen as a bad indicator in relationship, but if the parties are able to manage/resolve the conflict well, we can gain the benefits from it. This theory called desirable difficulties.  

In this podcast, Mr. Fajar Anugerah explained two strategies of how to resolve the conflict. The first solution is from the “person” perspective, how important the person in the conflict/with whom we have the conflict. The second solution is based on the “issue” itself. How important is this issue for you.

	Important	Not important
Person	- Compromising - Collaborate	Avoidance/Withdraw
Issue	Conflicting	Accommodating

That’s the table that I drew based on the explication I heard from Mr. Fajar Anugerah. Let me explain it to you, hopefully, it could help you better understand the topic :)

First,

If you have conflict with important person (ie : your boss) and the issue is also important for you, you have two option to solve the conflict :

1. By compromising : You both compromise about the issue/you compromise with your boss, so the conflict can be resolved in peace.

2. By collaboration : You give all the option possible to your boss (the cause and the effect) and the both of you make collaboration to resolve the problem.

Second,

If the issue important and the person with whom you have conflict means nothing to you. For example, you go to a concert (the important issue) and the someone cut off the line (the person), fight for yourself. This solution is called “conflicting”.

Third,

If the person is important for you, whereas the issue is not, you can choose to accommodate. For example, you go to the restaurant with your mother/father-in law(the person), he wants to eat chicken together with you. At the moment, you don’t really feel like you want to eat, but because you respect your in law, you accommodate their will.

Fourth,

If the person and the issue don’t matter to you, avoid it or withdraw yourself for this unnecessary thing. Better find/do something else and save yourself from unnecessary problems.

Having listened to this podcast, I found this view is interesting and applicable, that’s why I want to share it with you and hopefully, I could help you to resolve your conflict well and to choose the battle wisely.

We don’t always need to win every battle that we’re in, but you must know when it’s important for you, you must fight for it.

I hope you can learn something from what I shared and if you have any comment or thoughts, please don’t hesitate to leave it on the comment section.

Always be happy, healthy and maintain you beauty! See you the other time :D

Nanamia Pizzeria Yogyakarta

Hello all,

I'm back with another foodie journey.

Masih berkaitan dengan sajian dari Italia, kali ini saya akan menceritakan pengalaman saya ketika mengunjungi suatu Pizzeria di area Yogyakarta.
Nama tempatnya adalah Nanamia Pizzeria. Restaurant ini terletak di Jalan Tirtodipuran No.1, Mantrijeron, Yogyakarta City, Daerah Istimewa Yogyakarta 55143, Indonesia. 

Sejauh ini, bisa saya katakan bahwa ini adalah Pizzeria TERENAK yang saya temukan di kota ini. 

Tempatnya berkonsep seperti rumah yang berada di perkebunan. Tempatnya cukup nyaman dan bisa menampung cukup banyak orang. Sangat disarankan untuk pergi ke sini beramai - ramai karena tempatnya sangat cocok untuk dijadikan tempat nongkrong :D 

Ada banyak sekali sajian yang ditawarkan di menu. Dan dari segi harga, saya rasa cukup reasonable dengan pelayanan dan kualitas makanannya. 
Menu yang disajikan tentunya makan Italia. Kalian bisa menemukan berbagai jenis pasta, pizza, kopi yang enak :D

Ketika berkunjung ke tempat ini, saya memesan 'Tortellini con la Salza di Noci' (Tortellini Pasta dengan Saus Kacang Mete). Tortellini merupakan salah satu jenis pasta yang dibentuk bulat dan di dalamnya diberi isi mushroom and cheese with spinach. Rasanya super duper enak kalau menurut pendapat saya dan porsinya pas untuk seorang, (Biasanya sajian Italia memiliki porsi yang cukup banyak dan tidak habis kalau hanya dimakan sendirian). 
I'm so happy that i can finish this dish :) 
 The sauce was also so tasty. I love it! 

Tortellini nya sangat enak dan sangat sesuai selera saya. Saya beri 5 bintang untuk makanannya. Sedangkan untuk minuman, saya memesan 'Caramel Latte' 

Seperti lazimnya restaurant Italia, harga kopinya sangat affordable (didasarkan pada porsi minuman dan kualitas rasanya). Menurut saya kualitas kopinya sangat baik, hanya saja karena saya bukan pecinta Caramel jadi menurut saya rasanya just good. Tapi saya sangat rekomendasikan jika Anda pecinta Caramel Latte umtuk mencoba kopi ini. 

Nanamia Pizzeria ini memiliki dua cabang di Yogyakarta. Selain itu, mereka juga memiliki layanan delivery ke beberapa area tertentu. 

 So, i really recommend this place to those who love Italian food. Go here with family and friends and hope you enjoy the food! 

Note : 

Tirtodipuran merupakan area turis dan kuliner, jadi setelah  makan di sini, kalian bisa berjalan - jalan di sekitar Tirtodipuran dan Prawirotaman area untuk melihat galeri - galeri seni atau perjalanan kuliner. Have fun!

 
 

Wardah Seaweed Cleansing Micellar Water

Hello beauty enthusiasts,

I'm back with another cleanser review :D

I hope you won't be bored about that.

Cleansing is actually one of the best MUST-DO steps to maintain the beauty because our skin must be cleansed after putting on make up in order to clean all the make up residue and to keep our skin looks good.
I personally think that cleansing step is VERY important.

That's one of the reason why i've tried and used lots of cleanser type.

So now, i'll give my opinion about a local brand product. This my be my first time reviewing the local, so i'm pretty excited about it.

After i start the review, i'll say thanks first to Sociolla who gave me this product for free when i shopped there.
This isn't my first cleansing water that i used, but in terms of micellar water, i could say that this is the first micellar water that i used so far.

If you're curious about the differences between Micellar Water and Cleansig water, please click this link to find out first.

So here we go.

Front side

#1 Packaging

First of all, we'll talk about the product packaging and it feels okay. There's nothing so special about it, but it's not bad. This is a cup bottle type. You need to open the cap to get out of the product and put it on the cotton pad. It has 100 ml volume and i think you can use it for a couple of month if you don't use it often (FYI : I've been using it for around 2.5 months and there are sooooo much left because i don't use the product regularly).











#2 Claims
This product claims are :
1. No need to wash it off
2/ Cleanse of make up and face
3. Multi action formula + Bio Cleansing Active

Regarding all of the claims, i have to say that i pretty like the product. I use it as make up remover or first cleanser sometimes (i don't just use it because i do love the double-cleansing thing). So i always use another cleanser after this. But this product works pretty well for me, it doesn't cause any breakout eventho' i use it consecutively. I sometimes have breakout if i use a cleanser for a couple of time. But this one works good for my skin, eventho' i'm not sure it really cleanse all the make up and sunscreen thing.

This product has balancing seaweed and cucumber extract in it. It's said that those ingredients could help to maintain and keeps the normal skin condition. And this product claims to work for ALL skin type thanks to the bio cleansing active formula.
So you do't need to worry about using it if you have acne prone, sensitive or combination skin type
(Mine  is dry combination type).

#3 Ingredients
There aren't much ingredients on the list of this product. They are :

Back side

Aqua, PEG-6 Caprylic/Capric, Grycerides, Propanediol, Biosaccharide, Gum-2, Olive Oil PEG-7 Esters, Propylene Glycol, Panthenol, Cetrimonium Bromide, Disodium EDTA, Cucumis Sativus Fruit Extract, Ulva Lactuca Extract, Glycerin, Potassium Sorbate, Sodium Benzoate.

You'd better check the list before buying in order to make sure there are no things that would make you breakout or allergic. 

#4 The Verdict

After using this product for a couple of months, i think i like the product. It works well as make up remover and it doesn't break me out (FYI : I'm not a bold make up user, I only use BB Cream, Moisturiser and Sunscreen daily). I might repurchase it later because ir's pretty travel-friendly and gentle to use. It's also has "dermatologically-tested" words written on the packaging. I'm pretty happy with the quality of the product eventho' i'm not using it the way it is (no wash off). 

I think this product is perfect for those who look for a budget cleanser with a nice quality. So, if you in search of a micellar water, you can consider buying this product. 

Wardah is an Indonesian brand that has a variety of ranges and i think they have a couple of best seller product on the store. Wardah is also a drugstore brand, so it's easy to find. 

So last but not least, i wanna say you must try the local brand sometimes because our local brand is pretty well-improved now. I personally really want to appreciate the effort and the development of our local brand and product. Hope there will be a lot more local products on the store with the good quality to use. 

* NB : This product was given freely from Sociolla, but the review is based on my personal experiences. 

Stay healthy and maintain your beauty all. 

See ya next time! :DD

eternaleaf (Pure Papua Plant)

Body Lotion Review

Hello chingudeul,

Annyeonghaseyo :)

It’s been longtime since the last time I write a review here and I’m back!!!!

This time, I’ll be reviewing an Indonesian brand body lotion, named eternaleaf. It’s a body lotion made from pandanus conoideus (in the description it’s written ‘made with pure Red Papua fruit for naturally moisturized skin’)

I feel in love with the packaging of the product since the first time I saw it. It has orange and white colour on the flip flop bottle. It contains 250ml of the product inside and it claims to be ‘paraben free’, ‘parafin free’, ‘alcohol free’, ‘silicon free’, ‘not tested on animals’, ‘promote sustainable harvesting’, ‘100% vegetarian’, ‘supports proudly papua foundation’ (50% of your purchase will be given to build a better Papua)

You can visit their site on www.eternaleaf.com for more info.

Well, let’s start the review.

#1 Packaging

At the first sight, I like the packaging of the product. But after been using the product for a couple of months, I’m not happy with the flip flop bottle type, especially the aluminium or metal side of the bottle. It hurts my finger sometimes when I apply the product. I think it’s quite dangerous for some reason and hope the material will be changed in the future for its safety.

I also don’t like the flip flop bottle because I can’t get the right amount of the product. It happens to give a lot of the product sometimes, and some other time, it’s quite hard to get the product come off the bottle. You have to put down the bottle first to make the product come out.

The flip flop bottle side that I don't like

Other than that, I feel happy with the simplicity of the product and the description of the product on it.

#2 Application

I’m happy with the product because it really makes my skin feel so moisturized and soft after using it. I just hope it contains some kind of ‘UV/SPF’ thing to block the sun damage (because I’m not sure if the product has this kind of thing in it. There’s no titanium dioxide or zinc dioxide like other body lotion).

The texture is like the other body lotion. It has a creamy body lotion type, if you know what I mean. And I think it does what it claims to be , which is to moisturize and to restore the dull and dry skin. It doesn’t have annoying scent for me. The good thing is it works well for my skin.

Since I don’t have many things to write. Just it for this review. If you have any question to ask or if you’re curious about the product, you can ask me by send me the comment down below or go buy the product (I find this product on Watson).

Thank you for your interest and see you next time.

Stay healthy and maintain your beauty. Have a great day. Bye!!!! :DDDD