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How Check-Up Finansial

1. About the situation of the present, measured by liquidity (the availability of cash to pay for the purpose of routine and urgent needs).
2. The impact of past decisions debt, measured with the solvability (the ability to pay debt obligations at maturity).
3. Conditions of the future, productivity measured by the ratio of assets of the results or save investment.

Liquidity Check-Up
In general, all families will require a certain level of liquidity to maintain the ability to pay their routine expenses. Checking the level of liquidity can be done using the financial liquidity ratio, which can be calculated to compare with the liquid assets in the form of cash, savings and demand deposits with an average of one week. As an example, the amount of cash, savings and deposits are and the amount of Rp 5,000,000 Rp 3,000,000 monthly. From this data, the ratio of liquidity = 5000000: 3000000 = 1.67. This ratio shows the ability of liquid assets to cover the needs during monthly 1.67 hours or 1 month 20 days.
In general, the recommended ratio of number of 3 s / d 6 months (emergency fund). Ratio that is too small can make the day-to-day needs, especially if the risk of going short-term impact, such as the need to repair damaged homes and others.

Instead, the liquidity ratio is too large, exceeds the needs of the inefficiency in managing the assets. Assets such as cash will not provide results that the maximum decrease even eaten accidentally inflation. Liquidity ratio is too large will be close to possible benefits from the investment of assets owned. Thus, should always be arranged to maintain a certain level of liquidity in accordance with the financial situation and the pattern of life.

Debt Check-Up
Next check-up related to the debt problem. Financial problems in the language is known by the term solvability, namely the ability to pay installment debt at maturity. How do I measuring? measuring way is to calculate the ratio of debt payments to income.
The ratio of installment debt payments can be used to measure the level of ability to pay installment debt obligations in a period of time, or measure the level of expenditure for debt payment. How to calculate this is to compare the total installment debt that must be paid in a period of time with the total earnings in the same period of time.

For example, if the total installment debt obligations that must be paid within one year is Rp 18,500,000, while total income Rp 73,000,000 a year, so that the ratio of = 18,500,000 / 73,000,000 = 0.25.
This means that 25% of your revenue have to pay for the debt, or in other words you still have 75% revenue for managed independently. The recommended maximum ratio is about 30%, more than that very will disrupt your spending. We suggest that decision-making is always in debt to cash flow is based on the real, mean income is calculated as income when actually received. For example, if in this year you plan to sell assets such as land, income can only be recorded when you have received the money the sale.

Asset productivity Check-Up
Expenditure of each person can be grouped into three main post, namely:
1. Sufficient for daily needs.
2. To pay the debt.
3. To save and invest.
The first two expenditure items we have. Next, let’s see about the postal saving and investing. Pay the debt associated with past financial decisions. Day-to-day needs is financial problems of the present. Saving and investing is a matter for the sake of the future.
Without savings and investment, in fact what we are doing will only run until the present time only, or we have no future (grim future). During the earnings are still able to cover the expenses, direct impact has not been felt. Most people are like this. When there is interference on the earnings, financial life will be disrupted, which is experiencing a deficit.

Without savings and investment, this deficit can not be immediately closed, and even likely to increase and jeopardize financial stability. Without a surplus revenue, it is very difficult to do financial planning to ensure the good financial condition in the future, especially for the long term.
To measure the power of saving and investment ratio is used to save power. How to calculate this is to compare the amount of money that saving for the purpose of investment income.
For example, when the amount of savings in one year Rp 8,000,000, while the amount of Rp 73,000,000 annual revenue, the ratio of power saving = 8,000,000 / 73,000,000 = 0.11 or 11%. Start saving regularly at least 10% of net monthly income.
There is one more tool, or the ratio that can help us to see the strength of investment in sustaining the family through the ratio of financial assets, investment property with a net. The ratio of the strength of investment property reflect the level of dependency on the investment results. This ratio is calculated in a way to compare income from investment assets with net assets (assets - liabilities).
For example, when total assets Rp. 430,000,000 and the total debt is Rp 150,000,000 of investment assets and income (may be interest, dividends, rental property and others) Rp 3,000,000, then the ratio of the strength of investment = 3,000,000 / (430,000,000 - 150,000. 000) = 0.01. This means only 1% property you acquired through the investment, so that dependence on outside income investments, usually in form of salary, very dominant. The greater this ratio the better will. When you have reached the number 1 or, you practically do not need to work again, because the earnings from the investment has been sufficient all your needs. This is the purpose of the pension that like by any person, living street from the investment that we have.
Hopefully useful.

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