This article was published in Kompas on June 13, 2021.
World Environment Day is commemorated every June 5th. The commemoration was carried out to raise global awareness about environmental sustainability. As an investor, this event can be used as a momentum to start implementing sustainable investment strategies.
Investors are responsible, although indirectly, for the negative impact or damage caused by the company’s business activities. This case also applies to the contrary, financing from investors can encourage the development of social and environmental based projects. Environmental, Social, and Governance (ESG) impacts need to be taken into consideration in placing funds.
This concept is called sustainable and responsible investing. Investments are made in instruments or companies that have a positive impact. At least, these companies and projects do not go against the ESG principles.
Sustainable and responsible investing actually not new. Previously, many investors, especially those with idealistic thoughts, did not invest in liquor or cigarette companies. Both businesses are seen as having a negative social impact. This concern extends to other ESG issues such as environmental sustainability, climate change, community empowerment, and even corruption. Lanjutkan membaca
This article published in Kompas, April 10th, 2021, page 13.
The recent development of financial technology opens up another investment options. Some investors may have built portfolios through peer-to-peer lending, now there are crowdfunding that offer investors a chance to take a profit and at the same time, helping a SME (small and medium) business to develop.
Crowdfunding allows people to raise funds to finance a business. For example, investor can crowdfund a business of boarding house or other property. They will get a share of the profit that depends on the performance of the funded companies. In general, this profit ratio can be higher that deposit interest. On the other hand, crowdfunding offers a chance for SME businesses to get funded, way more easy compared to applying for credit from banks or other financial institutions.
Crowdfund could be a new trend in Indonesia this year. OJK has issued a new regulation that could be a catalyst for the industry development. The regulation offers another option of fund raises. According on previous regulation, the issuing company can only raise funds in the form of capital share. Now with the new regulation, company can offer securities such as bonds or sukuk (sharia bonds). Lanjutkan membaca
Kemarin-kemarin di timeline saya bersliweran teman-teman yang mengaku peduli dengan agama dan perekonomian. You guys, rocks! Really. Salut untuk kalian yang berbuat aksi nyata demi agama dan perekonomian Indonesia terutama karena saya belum berani melakukannya. Tapi guys, “cerdas” dan “nyata” menurut kalian dan menurut saya mungkin agak sedikit berbeda.
Di sini saya tidak bermaksud menilai kalian. Kalian saja yang menilai ide saya ini, cerdas dan nyata atau tidak: membuat fintech peer-to-peer lending berbasis syariah.
Salah satu ancaman yang mampu mengganggu kemapanan bank adalah fintech. Perusahaan-perusahaan rintisan yang memanfaatkan teknologi untuk melakukan bisnis yang sama dengan yang dilakukan oleh bank. Dua bidang bisnis bank yang riuh diramaikan oleh fintech adalah sistem pembayaran dan pembiayaan peer-to-peer. Lanjutkan membaca