BERSIAPLAH UNTUK TAHUN 2025.

Summary

The video discusses four factors that could lead to economic challenges in Indonesia by 2025. These include a rise in VAT from 11% to 12%, the introduction of a 2.5-3% housing savings deduction from income, the potential reduction of fuel subsidies, and high-interest rates. The speaker emphasizes the importance of preparing for these changes by saving and managing finances wisely to avoid desperate measures like online gambling or high-interest loans. The video also touches on geopolitical issues, particularly the unresolved conflict between Israel and Palestine, which could exacerbate global economic difficulties.

Takeaways

• 📈 The speaker predicts a bleak economic outlook for Indonesia in 2025, with several factors contributing to this prediction.
• 💹 An increase in the Value Added Tax (PPN) from 11% to 12% is expected, which could place additional financial pressure on businesses and consumers.
• 🏦 A new policy called 'taper a' is introduced, which mandates deductions from income for housing savings, potentially reducing the disposable income of the middle and lower classes.
• 🍚 The government is considering a policy to provide free food, which could be costly and may lead to a reduction in fuel subsidies (BBM) to fund it.
• 🚗 The reduction of fuel subsidies could further strain the purchasing power of the public, exacerbating economic challenges.
• 💰 High-interest rates are a significant concern, as they can widen the wealth gap and make loans more expensive, impacting middle and lower-income groups disproportionately.
• 🌐 Geopolitical issues, such as the ongoing conflict between Israel and Palestine, are highlighted as an extra point that could impact global stability and, by extension, Indonesia.
• 💡 The video aims to serve as a reminder for individuals and business owners to prepare for potential economic challenges by saving and managing finances wisely.
• 🏢 Businesses are advised to anticipate increased costs and to strategize for maintaining financial stability amidst the predicted economic downturn.
• 🌟 The speaker encourages viewers to join a community called 'Smart Room' for further discussions on global and Indonesian economics, indicating a platform for collective preparation and knowledge sharing.

Q & A

What is the main prediction for Indonesia in 2025 according to the video?

The video predicts that Indonesia will face economic challenges in 2025, becoming 'darker' due to various factors such as increased taxes, new policies, and geopolitical issues.

What is the first factor mentioned that will contribute to Indonesia's economic challenges in 2025?

The first factor is the increase in the Value Added Tax (PPN) from 11% to 12%, which will put pressure on businesses and consumers.

How does the new housing savings policy (tapera) affect the middle and lower-income classes according to the video?

The new tapera policy will reduce the disposable income of the middle and lower-income classes by requiring a portion of their income to be deducted for housing savings, potentially decreasing their purchasing power.

What is the concern regarding the management of the housing savings (tapera) as mentioned in the video?

There is a concern that if the housing savings are not managed well, it could lead to a loss of the public's savings, similar to past incidents with financial institutions like Jiwarya.

What is the significance of the free food policy discussed in the video for 2025?

The free food policy is expected to be a new government initiative that will require significant funding. The video raises questions about how this will be implemented and funded, especially considering the potential reduction in fuel subsidies.

How might the reduction of fuel subsidies (BBM) impact the Indonesian economy according to the video?

The reduction of fuel subsidies could lead to a decrease in purchasing power for the general public, as the cost of living increases, which might further strain the economy.

What is the impact of high-interest rates on different income classes in Indonesia as discussed in the video?

High-interest rates disproportionately affect middle and lower-income classes, increasing the cost of credit and loans, while the wealthy might benefit from higher returns on deposits, potentially widening the social and economic gap.

What additional advice does the video provide for individuals and businesses to prepare for 2025?

The video advises individuals and businesses to prepare by saving and managing their finances well, ensuring they have emergency funds or sufficient savings to withstand potential economic challenges.

How does the geopolitical situation, particularly the conflict between Israel and Palestine, factor into the global economic outlook mentioned in the video?

The ongoing conflict between Israel and Palestine adds to global tensions and uncertainty, which could have broader economic implications if it escalates or continues unresolved, affecting global markets and stability.

What is the call to action for viewers of the video regarding the information discussed?

The video encourages viewers to share the information with others to prepare for 2025 and to join a community discussion, 'Smart Room,' for further economic discussions about global and Indonesian economic issues.