essay diikutsertakan dalam GOIPeace International 2012, Japan
Global
crisis always trapp people in debt and poverty. Two major economic events have
slowed the world economic growth down in 2011, namely economic slowdown in the US and Eurozone sovereign debt crisis.
The people live in uncertainty financial condition especially poor people which are unwealth and getting
poorer in this condition. Moreover, Indonesia is one of the the lowest financial
literate rate in Asia In this short essay, I will be discussed as well
as strategy that should be taken by global youth to keep expanding their
country economy especially for poor people, named Financial Literacy Movement for Indonesia for Better The
World-Gerakan Indonesia Melek Finansial
(IMF)-
Financial
literacy is the ability to understand finance. More specifically, it refers to
the set of skills and knowledge that allows an individual to make informed and
effective decisions through their understanding of finances. People who is financially illiterate tend to suffer from
bad financial decision. Limited financial literacy – knowledge or understanding
of financial services and products – is a
barrier to demand for financial services in the low income societies. If
individuals are not familiar or comfortable with financial products, they are
unlikely to try to use them.. Households with low levels of financial literacy
tend not to plan for retirement, to borrow at higher interest rates, to acquire
fewer assets and to participate less in the formal financial system
Financial
literacy is an important correlate of household financial behavior and
well-being. Financial literacy is important and that educated consumers make
better financial decisions. It will save them from the crisis because they have
planning before and they understand how
the urgent is
Grameen
Bank from Bangladesh, Micro credit, small loans without collateral is an example. A group-based
credit approach is applied which utilizes the peer presure within the group to ensure the borrowers follow
through and use caution in conducting their financial affairs, ensuring
repayment eventually and develop good credit standing.
In Indonesia, there is a Woman
Migran Worker & Family, Economic Empowerment Program that reach 90 vilages like Indramayu, Cilacap, Banyuwangi. It involvs 10.000 participant who get Financial Planning, Entrepreneurship Training, and Micro credit. It gives effect and benefit for poor societies
but it is still not ‘booming’ to make a better for more poor societies. And
actually, every educated youth in the world can participate by learning financial
inclusion and teach it to other.
The
poor have skills that are under-utilized because of that my idea is to make
Micro and Small Entrepreneurship and Family Economic Empowerment by teach them about Financial Planning
& Entrepreneurship and give microfinance.
The
benefit is on a personal level, individuals may save more, and better manage
risk, by purchasing insurance contracts. Others, increased demand by households
for financial services may improve risk-sharing, reduce economic volatility,
improve intermediation, and speed overall financial development. In turn, this
could facilitate competition in the financial services sector and, ultimately,
more efficient allocation of capital within society.
Make Better Financial Literacy For Lower Income Societies
What if We Made an effort to share our histories about our effort to educate people in
financial
What if We Helped others understand their value about money and money
What if We Encouraged New Points of View about money
What if We Celebrated success more often because we are the king of the money
What if We Change Our Surrounding From Time To Time, Not
trapped by money
What if We Considered Better
Poor Societies As Result as Impressive as Personal
Success in Management
his/her Financial
What if We Encouraged Risk Taking, To Run Business, To Innovate, and Create the Better The World That We
Want
What if We Proactively Practiced Open Mindedness
What if We All Persuade One Another to
Literate Financial and Teach Others
What if We Encourage An Environment of Trust and Collaboration
What if We Created Our Own Innovative Culture
SHIFT HAPPENS. Better
Financial Literacy
Can you
imagine if every educated youth deliver financial literacy training
program? And how bigger it is
if our government provide small subsidies for opening an account. What if we give proper
incentives so many individuals
would open account. They can run
their business and they can sustain their life.
I
want to make this movement is as global movement because poverty, crisis and
financial illiterate is our global problem and challanges. Because of that, I
believe this movement will be strong if we run it in multiculturalism
environment, named global. The question
is how we can create it is as a real movement!!!.
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