PU FIRST SEMESTER 2021:

Economic Survival

Prepared By:
Mohamad Toha, Ph. D.
 1.Personal Balance
2.Investment Selection
Agenda 3.Invest In Stock Exchange
4.Assignment
Personal Balance
Personal
Balance
Sheet
 INCOME

No Description Month-1 Month-2 Month-3 Month-4 Month-5 Month-6 Month-7 Month-8

A Fixed Income
…..
TEMPLATE …...
Total
FOR SETTING
YOUR BUDGET B
Most Likely of Uncertained
Income
…
…
Total
Total Income

EXPENDITURE
A Fixed Expenditure
….
….
Total
B Variable Exp
….
…..
Total
Total Expenditure

Balance
EXAMPLE OF
PERSONAL
BUDGET
 CASE-1

• DEVELOP YOUR PERSONAL BUDGET.

• WORK WITH YOUR GROUP AND ACCUMULATE YOUR PERSONAL BALANCE.
• SHOW HOW MUCH MONEY WILL BE AVAILABLE FOR YOUR GROUP IN 6 MONTHS?
 ✓ It is a concept that money you have now
Understand is worth more than the identical sum in
the basic the future due to its potential earning
concept of capacity.
time value ✓ This core principle of finance holds that
of money provided money can earn interest, any
(TVM) amount of money is worth more the
sooner it is received
 • CONSIDER YOU ARE PAID IDR 1.000.000.000
(= ONE BILLION INDONESIAN RUPIAHS)
FOR A CERTAIN JOB.
MONEY HAS TIME • IS IT THE SAME IF YOU ARE PAID NOW WITH
VALUE PAID NEXT 10 YEARS?
• WHY? FOR THE SECOND OPTION, YOU LOST
MANY OPPORTUNITIES, YOU CANNOT
INVEST YOUR MONEY FOR THE MOST
INTERISTING OPPORTUNITIES, YOU
CANNOT USE YOUR MONEY FOR YOUR
REQUIREMENT.
 • You Invest Your Money IDR 1.000.000.000,- Using
Calculation Investment Tool With Compounded Rate = 10%
• Future Value:
• Next Year Value Become (1+10%). IDR 1.000.000.000,- = IDR
1.100.000.000
• Year-2 → (1+10%)(1+10%). IDR 1.000.000.000,- = (1+10%)2. IDR
1.000.000.000 = 1.21.0.000.000
• Year-3 → (1+10%)(1+10%)(1+10%). IDR 1.000.000.000,- =
(1+10%)3. IDR 1.000.000.000 = IDR 1.331.000.000
• Year-n → (1+i)n. IDR 1.000.000.000
• If F Is The Value of Money P In Year n then F = (1+i)n.P

• Present Value
• Present Value Of Money F Also Can Be Calculated: P =
F/(1+i)n
 CASE 2
YOU HAVE A PLAN TO INVEST IN A COMPANY STOCK FOR IDR
100.000.000 IN INVESTMENT TOOL.
PLEASE CALCULATE YOUR INVESTMENT VALUE IN 5 YEARS IF YOUR
YEARLY COMPONDED RATE IS 20%

ANSWER:
F = 𝑷. (𝟏 + 𝒊)𝒏
F = 𝟏𝟎𝟎. 𝟎𝟎𝟎. 𝟎𝟎𝟎. (𝟏 + 𝟐𝟎%)𝟓
= 248.832.000
BUSINESS/INVESTMENT CATEGORIES
INVESTMENT CREATING VALUE FOR SURVIVAL
OPPORTUNITIES
IN ISE
1.
ECONOMIC
2.
VALUE FROM 3.
ECONOMIC
PROFESSIONAL ECONOMIC
VALUE FROM
EXPERTISE: VALUE FROM
OTHER
INVESTMENT:
SKILLS/HOBBIES:
ENTREPRENEURS
HIP IN INVESTMENT
SIDE HUSTLE
PROFESSIONAL
WORK
 PLEASE IMAGINE WHAT BUSINESS CAN YOU GET
DISCUSSION IN THE NEAR FUTURE!
QUESTION-1
1. ECONOMIC VALUE FROM PROFESSIONAL
EXPERTISE!
2. ECONOMIC VALUE FROM OTHER
SKILLS/HOBBIES
3. ECONOMIC VALUE FROM INVESTMENT
GETTING ECONOMIC VALUE FROM
PROFESSIONAL EXPERTISE AND ECONOMIC
VALUE FROM OTHER SKILLS/HOBBIES
WHAT PRODUCT SHOULD BE INVESTED?

• NEW PRODUCT DEVELOPMENT,

PRODUCT IMPROVEMENTS AND
OBTAIN NEW MODIFICATIONS
PRODUCT
• ACQUISITION OF PATENTS OR
LICENSES
YOU SHOULD UNDERSTAND THE RISK OF
NEW-PRODUCT DEVELOPMENT

• 60% OF ALL CUSTOMER PACKAGE PRODUCTS

INTRODUCED BY THE ESTABILSH COMPANIES
RISK FAIL.
• TWO-THIRDS OF NEW PRODUCT CONCEPTS ARE
NEVER EVEN LAUNCHED.
IDENTIFY THE RISK THAT YOU SHOULD
AVOID

Overestimation of Market Design Problems Incorrectly Positioned,

Size Priced, or Advertised

Pushed Despite Poor Development Costs

Marketing Research Competition
Findings
EXAMPLE OF RISK MITIGATION
No Risk Root Cause Mitigate
- Respondents/Influencers - Ask to different type of people
1 Overestimation of Market Size
- Unproven data - Prove with the real data

- No understanding the customers taste - Ask to customers about the design and improve
2 Design Problems
- The technology is too old - Explore the state of the art of technology and Improve

Incorrectly Positioned, Priced, - No understanding the customers prefferences

3 -Ask tand communicate with customers and improve
or Advertised - No communication with customers

Pushed Despite Poor - No marketing research or

4 - Conduct appropriate marketing research
Marketing Research Findings - Un-appropriate marketing research

5 Development Costs - No competencies in developing the product - Learn more or buy the design

- No information about competitors

6 Competition - Calculate the competition from the beginning
- No having awareness to see the competition
DISCUSSION • Select A New
QUESTION - 3 Business/Product;
• Identify The Risk Of This
Product
IDEA
SCREENING
- IS IT YOUR DREAMS? OR DO
WHAT YOU LOVE YOU LIKE IT?

- HAVING SKILL, KNOWLEDGE,

WHAT YOU ARE EXPERIENCE, EQUIPMENT OR
GOOD AT MATERIAL SOURCE

WHAT YOU CAN - YOU CAN GET MONEY OR

BE PAID FOR PROFITABILITY FROM IT.

WHAT THE - MARKET, MARKET SIZE AND

GROWTH
WORLD NEED - COMPETITORS
GROUP ASSIGNMENT

1. EXPLORE AND FIND BUSINESS IDEAS USING CREATIVE LOGIC! EACH

GROUP MEMBER SHOULD DELIVER MINIMAL ONE!
2. CALCULATE YOUR PERSONAL BUDGET AND GROUP BUDGET AND THEN
ELIMINATE THE ABOVE BUSINESSES THAT ARE OUT OF YOUR BUDGET!
3. EVERY MEMBER FORMULATE HIS/HER IKIGAI AND SELECT ONE OF THE
ABOVE BUSINESSES THAT MEETS THE IKIGAI OF EACH MEMBER.
4. IDENTIFY RISKS OF THE SELECTED BUSINESS AND MITIGATE THESE RISKS!