How Check-Up Finansial
July 31, 2009
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 Read more