oleh admin | Mar 24, 2025 | affordable housing, economics, government regulations, public policy, social issues
A report from BuyLetLive indicates that the lack of regulatory encouragement for producing construction materials locally is worsening the housing crisis.
The statement also noted that Nigeria still depends significantly on imported building supplies, making the sector susceptible to fluctuations in currency values and worldwide increases in prices. It suggested that producing items like tiles, roof sheeting, and concrete locally might aid in steadying expenses and enhancing cost-effectiveness gradually.
The report indicates that the Nigerian government has introduced multiple policies designed to improve housing affordability.
It read, “Initiatives like the Family Homes Fund and the National Housing Fund were designed to provide financing options for low- and middle-income earners. However, these programmes face significant challenges, including limited funding, bureaucratic delays, and a lack of transparency.”
The report further highlighted that inflation has exacerbated the difficulties faced by households in affording homes within the housing market.
The statement went on to say, “Increasing mortgage rates and rising property values have surpassed wage increases, leading numerous households to either downscale their living spaces, postpone buying homes, or grapple with higher rent expenses. Inflation has prompted a significant change in housing choices. Individuals with middle and lower incomes are now leaning towards acquiring smaller, cost-effective residences like studios or opting for communal living situations.”
Demand for housing in suburban and peri-urban areas is also growing, as these locations typically offer lower rents and purchase prices compared to city centres.
Once a pillar of Nigeria’s high-end real estate sector, upscale residential properties are now facing sluggish sales due to a reduction in the number of wealthy purchasers. Real estate developers who were primarily concentrated on luxury homes are starting to expand their portfolios to incorporate middle-income and affordable housing alternatives to align with shifting consumer preferences.
The report highlighted that inflation became a crucial element influencing economic and social conditions in Nigeria.
The passage continued, “During 2024, the ongoing rise in inflation underscored the intricate interplay among several economic elements such as fiscal measures, monetary strategies, exchange rates, and global trade patterns. Currency volatility represented one of the key economic hurdles encountered by the nation in 2024. The naira experienced a substantial depreciation of 24.3 percent relative to the U.S. dollar, dropping from an initial exchange rate of N1,413 for $1 at the beginning of the year to N1,757 for $1 by late November—a peak point not seen in more than twenty years, reported the National Bureau of Statistics.”
The continuous increase has exerted substantial pressure on households, businesses, and various sectors, particularly the real estate industry. With rising costs of products and services, the demand for housing has been significantly disrupted. Factors such as higher construction expenses, reduced affordability, and changing consumer preferences have all contributed to inflation’s deep and varied effects on Nigeria’s housing sector. This escalation in inflation exacerbated financial difficulties for households within the housing market. Increasing mortgage rates coupled with soaring property values surpassed income gains, leading numerous families to either downscale their living arrangements, postpone buying homes, or grapple with heightened rental fees.
Although inflation was a substantial hurdle, it simultaneously created chances for advancement within Nigeria’s real estate sector. Builders are progressively embracing money-saving innovations like modular building techniques and pre-fabricated components. Such approaches help cut down both construction periods and expenses without compromising quality benchmarks. Additionally, eco-friendly power options including solar panels are becoming more popular as means to lower tenant and homeowner utility expenditures. Trends towards buildings with high-energy efficiency ratings along with intelligent residential tech features are also surfacing, aiding in luring purchasers and renters interested in reducing their long-run energy outlays.
Provided by Syndigate Media Inc. (
Syndigate.info
).
oleh admin | Mar 23, 2025 | economics, financial markets, investing, investing market news, news
Tips Efektif Mengelola Akun di ID.CO.ID – JAKARTA
.
Indeks Harga Saham Gabungan (IHSG) mengalami penurunan dan menutup minggu dengan hasil negatif, jatuh 1,94% atau setara 123 poin menjadi level 6.258,17 pada hari Jumat (21/3). Selama seminggu terakhir, IHSG mencatatkan penurunan sebesar 3,95%.
Alrich Paskalis, seorang penasihat investasi dari Phintraco Sekuritas, mengatakan bahwa pasar tetap optimis akan ‘pengobatan’ yang ditawarkan oleh pemerintah Indonesia guna meningkatkan keyakinan para pemain di pasar modal dalam negeri.
“Pekan mendatang, para investor akan mengawasi data ekonomi Amerika Serikat (AS) per tanggal 25 Maret, yang mungkin berdampak pada keputusan Federal Reserve, seperti kemungkinan penurunan tingkat suku bunganya di tahun 2025,” jelas Alrich kepada Lifehack My ID pada tanggal 23 Maret.
Dia menyebutkan pula bahwa dari dalam negeri sendiri, aturan OJK yang mengizinkan tersebut menjadi faktor penting.
buyback
Tanpa melalui RUPS, proses tersebut masih membutuhkan beberapa saat sebelum memberi dampak yang signifikan terhadap IHSG.
Alrich memprediksi IHSG pada Senin (24/3) akan bergerak fluktuatif di rentang 6.100–6.370 menjelang libur panjang. Pergerakan ini dipengaruhi aksi ambil untung serta sentimen pasar terhadap data ekonomi global dan kebijakan The Fed.
Usai Trading Halt, IHSG Kembali Jadi Indeks Paling Bontot di ASEAN Pekan Ketiga Maret
Pada saat yang sama, analis dari RHB Sekuritas Indonesia, Muhammad Wafi mengatakan bahwa sentimen luar negeri seperti ketidakpastian resesi di Amerika Serikat memberikan tekanan besar kepada Indeks Harga Saham Gabungan (IHSG). Hal ini tercermin dalam penurunan nilai komoditas serta perubahan arah beberapa saham milik grup bisnis besar.
“Sentimen dalam negeri memiliki sejumlah keraguan mengenai masalah politik, khususnya tentang penyetujuan Rancangan Undang-Undang Tentara Nasional Indonesia yang telah mendorong adanya protes, oleh karena itu banyak investor sedang memantau perkembangan ini,” jelas Wafi.
Dia mengatakan bahwa IHSG minggu depan diprediksi sepi, karena banyak investor yang melakukan pencairan aset menjelang masa liburan panjang. Dengan sedikit aktivitas perdagangan, indeks kemungkinan besar tertekan, sesuai dengan pendapat mereka.
wait and see
permintaan pasar dalam menghadapi kondisi ekonomi baik global maupun lokal.
Wafi meramalkan bahwa Indeks Harga Saham Gabungan (IHSG) pada hari Senin (24/3) akan berosilasi antara level 6.150 hingga 6.300. Dia menyarankan untuk fokus pada emiten-emiten dari sektor industri dan manufaktur yang masih tergolong undervalued, misalnya saja PT Astra Internasional Tbk (ASII), dengan estimasi potensi mencapai harga Rp 5.000 per saham.
Inilah Sentimen yang Akan Membayangi IHSG di Minggu Terakhir Sebelum Cuti Lebaran
oleh admin | Mar 23, 2025 | banking, business, economics, money, news
Lifehack My ID
,
Jakarta
–
Bank Mandiri
melaporkan pihaknya telah menyalurkan
Kredit Usaha Rakyat
(TF) senilai Rp 9,01 triliun telah disalurkan ke lebih dari 77.500 pengusaha di seluruh Indonesia. Informasi mengenai penyaluran TF ini mencatat data hingga akhir Februari 2025.
Senior Vice President Micro Development & Agent Banking Bank Mandiri Muhamad Gumilang menyatakan pencapaian itu setara dengan 23,39 persen dari target penyaluran KUR tahun 2025 yang ditetapkan sebesar Rp 38,5 triliun.
“Inisiatif ini menunjukkan kolaborasi antara Badan Usaha Milik Negara dengan Usaha Mikro Kecil Menengah untuk mengembangkan perekonomian nasional yang mandiri serta lestari. Kami percaya bahwa dukungan terhadap akses ke pendanaan bagi para pebisnis akan sangat penting dalam membentuk lapangan kerja baru dan merangsang pertumbuhan ekonomi yang adil,” jelasnya saat memberikan klarifikasi resmi pada hari Minggu, 23 Maret 2025.
Sebagian besar KUR yang disalurkan Bank Mandiri masih didominasi oleh sektor produksi dengan porsi 59,49 persen atau sebesar Rp 5,36 triliun. Dari jumlah tersebut, sektor pertanian sebagai tulang punggung ketahanan pangan nasional mendapatkan porsi terbesar dengan penyaluran Rp 2,64 triliun atau 29,31 persen. Sektor jasa produksi menyerap Rp 1,90 triliun (25,11 persen), industri pengolahan Rp 694 miliar (7,71 persen), dan sektor perikanan Rp 117 miliar (1,31 persen).
Agar dapat lebih cepat dalam memberikan KUR, Bank Mandiri menerapkan model ekosistem terbuka yang bersifat inklusif serta fokus pada pengembangan industri Unggulan Lokal di seluruh wilayah. Mereka menggunakan strategi siklus tertutup lewat kerjasama antara usaha dan kemitraan dengan pelanggan ritel untuk meningkatkan efisiensi rantai suplai dan membantu UMKM mendapatkan akses ke pangsa pasar yang lebih luas.
Di luar pembiayaan, Bank Mandiri juga menggerakkan digitalisasi UMKM dengan menggunakan aplikasi Livin’ Merchant. Pada bulan Februari tahun 2025, total para pedagang yang terdaftar di Livin’ Merchant sudah menembus angka 230.478, naik sebesar 230,49% dibanding periode setahun sebelumnya. Fungsinya adalah menjadi sistem penjualan titik layanan (point of sale/POS), sehingga membantu UMKM untuk melakukan transaksi secara daring serta bisa menerima bayaran lewat kode QRIS baik itu dari akun bank ataupun dompet elektronik.
Sebagai komponen dari rencana inklusif finansial, Gumilang menyebutkan bahwa Bank Mandiri mengeraskan usaha untuk meningkatkan kemudahan dalam mendapatkan dana dengan cara program rujukan serta pelatihan tentang jasa perbankan yang mencakup aktivitas Mandiri Agen. Melalui metode tersebut, Usaha Mikro Kecil Menengah (UMKM) pada area pelosok masih bisa meraih pelayanan bank dengan lebih gampang dan hemat biaya.
“Kami yakin bahwa dengan dukungan terus-menerus beserta kerjasama yang dekat bersama pemerintah dan sejumlah stakeholder lainnya, KUR dapat dialirkan dengan akurat dan menciptakan pengaruh positif pada ekonomi. Kami meyakini jika UMKM yang tangguh bakal memiliki kontribusi besar untuk meraih kedaulatan pangan serta meningkatkan kesejahteraan rakyat,” ungkap Gumilang.
Pemimpin BGN Jelaskan Mengapa PSSI Kesulitan Memenangkan Pertandingan: Bermain Selama 90 Menit Sangat Melelahkan karena Stamina Mereka Kurang Baik
oleh admin | Mar 23, 2025 | business, economics, investing business news, investing company news, money
Tip Cerdas Mengelola Akun My.ID.CO.ID – JAKARTA
Konglomerat Prajogo Pangestu mengalami penurunan kekayaan secara signifikan bersamaan dengan penyusutan Indeks Harga Saham Gabungan (IHSG) baru-baru ini.
Pembuat grup bisnis Barito ini harus meninggalkan statusnya sebagai orang terkaya di Indonesia usai nilai saham perusahaannya yang terdaftar di Bursa Efek Indonesia (BEI) merosot drastis.
Prajugo kini berada di urutan keempat sebagai salah satu orang terkaya di Indonesia, menggantikan posisinya yang sebelumnya memuncaki daftar selama lebih dari 12 bulan.
Keberuntungan Prajogo Pangestu Meningkat, Lihat Daftar 10 Orang Tertinggi Kekayaannya di Indonesia akhir Minggu ini
Di bulan November 2023, nilai asetnya meroket hingga US$ 38,7 miliar, yang membuatnya menjadi orang terkaya di Indonesia untuk kali pertamanya.
Berdasarkan data
Forbes Real Time Billionaires
pada hari Jumat (21/3/2025), ketika bursa saham ditutup, kekayaan Prajogo naik sebesar 9,14% menjadi US$ 17,7 miliar.
Selama tiga sesi bursa kerja terakhir, total asetnya bergerak naik dari titik terendah sebesar US$ 14,6 miliar yang dicatatkan saat dagang Selasa (18/3/2025).
Walau sudah meningkat, kekayaan aset Prajogo belum cukup untuk menyingkirkan kedua tycoon dari Grup Djarum, yakni saudara Hartono, serta pemilik bisnis batubara Low Tuck Kwong, dari peringkat mereka yang tinggi.
Di penghujung minggu ini, Presiden Direktur PT Bayan Resources Tbk (
BYAN
), Low Tuck Kwong masih menempati posisi tertinggi sebagai orang terkaya di Indonesia dengan kekayaan bersih senilai US$ 27,3 miliar.
Konglomerat Prajogo Pangestu Lagi Beli 1,77 Juta Lembar Saham BREN
Pada urutan kedua dan ketiga secara beruntun terdapat nama Robert Budi Hartono yang memiliki kekayaan sebesar US$ 19,9 miliar, disusul oleh Michael Hartono dengan jumlah kekayaan mencapai US$ 19,1 miliar.
Keberkahan mereka berkurang sebanyak 4,5% dibandingkan dengan hari sebelumnya, utamanya disebabkan oleh penurunan nilai saham PT Bank Central Asia Tbk (
BBCA
) senilai 5,67% berubah menjadi Rp 7.900 per saham pada hari Jumat.
Sementara itu, posisi kelima ditempati oleh pendiri dan ketua Indorama Corporation, Sri Prakash Lohia, dengan kekayaan bersih sebesar US$ 8,5 miliar.
Berikutnya, posisi keenam dimiliki oleh pendiri serta CEO dari DCI Indonesia, Otto Sugiri, yang memiliki kekayaan sebesar US$ 6,8 miliar, disusul oleh founder grup usaha Mayapada, Tahir, berada di urutan ketujuh dengan total aset senilai US$ 4,9 miliar.
Prajogo Pangestu Kembali Membeli Saham Barito Renewable Energy (BREN)
Posisi delapan sampai sepuluh diisi berturut-turut oleh pemilik saham minoritas BYAN, Dwi Kam, yang memiliki kekayaan sebesar US$ 4,8 miliar; pendiri dan ketua komisaris DCI Indonesia, Marina Budiman, juga dengan kekayaan US$ 4,8 miliar; serta pencipta dan kepala CT Corp, Chairul Tanjung, dengan aset senilai US$ 4,2 miliar.
oleh admin | Mar 8, 2025 | cars, cost of living, economics, money, personal finance
The cost of purchasing a new vehicle is rising steadily.
Actually, an unprecedented number of new car purchasers—almost one out of every five—are making payments of $1,000 or higher.
according to Edmunds
For a family with an average U.S. income of $80,610, a monthly car payment of $1,000 would consume 15% of their pretax earnings, not including expenses like insurance, fuel, or upkeep.
It isn’t helpful that the typical cost of a new car is
nearly $50,000
And prices might soar even further. With the
impending threat of 25% duties
On vehicles and parts coming from Mexico and Canada, the price of a new car might go up by as high as 12%, which equates to approximately $5,790.
according to one estimate
.
As prices hover around record levels and possible tariffs loom, purchasing a brand-new vehicle has become costlier than ever before. However, elements within your sphere of influence such as your credit score, loan conditions, and down payment amount can significantly affect your monthly expenses too. Below is some guidance on making a new automobile align with your financial limits.
Begin by examining your credit score.
The amount you pay each month for your car usually depends primarily on one crucial element: your credit score.
Although you cannot change the price of cars, you have control over your credit score, which significantly impacts how much you will end up paying for a loan as lenders rely on this score to set your interest rates. A poor versus a strong credit history could cost you several thousand dollars more in financing fees.
Suppose you’re paying for a brand-new car through finance.
average price of $48,641
With a 15% initial payment and a standard 60-month financing period, your monthly installments might vary between $824 and $1,037, based on various factors.
FICO credit score
.
Below is an overview of how different credit scores impact monthly installments and interest rates, as per the aforementioned loan conditions, according to FICO:
-
720-850:
$824 (7.25% APR)
-
690-719:
$847 (8.45% APR)
-
660-689:
$883 (10.22% APR)
-
620-659:
$927 (12.33% APR)
-
590-619:
$1,019 (16.62% APR)
-
500-589:
$1,037 (17.43% APR)
Throughout the duration of the loan, an individual with excellent credit might end up paying $8,071 in interest, whereas someone with poor credit could be charged as much as $20,886—resulting in a staggering difference of almost $13,000.
You might frequently reduce your monthly installments by lengthening the repayment period; however, keep in mind this would result in higher total interest paid throughout the duration of the loan. Alternatively, if you possess sufficient savings, making a bigger initial payment could decrease your monthly obligations as well.
Methods to Reduce Lending Expenses
Boosting your credit score prior to taking out a loan can decrease your interest rate and help you save possibly thousands of dollars throughout the duration of the loan.
To achieve this, begin by ensuring that you consistently make your debt payments on schedule, as the payment history comprises
35% of your total credit score
.
Additional methods to enhance your credit score encompass:
-
Using only a minimal portion of your accessible credit — this is referred to as your
credit utilization ratio
-
Steer clear of fresh credit checks when you’re about to apply for a loan.
-
Reviewing your credit report for mistakes
disputing inaccuracies
Purchasing a pre-owned vehicle is
an additional method to lower expenses
Used cars often boast cheaper upfront prices along with generally having reduced insurance expenses and slower depreciation rates.
How to calculate your estimated monthly car loan expenses
Before finalizing a buy, it’s wise to get an estimate of your potential monthly installments considering the loan conditions and interest rates.
SANGGRALOKA Make It’s loan calculator can assist you in understanding how financing costs accumulate. Just remember that you will have to enter an approximate interest rate manually, which should be based on your credit score as mentioned earlier.
Looking to make some additional income on the side?
Enroll in SANGGRALOKA’s latest online course now
Ways to Begin a Secondary Business
To pick up valuable advice for beginning your journey and mastering techniques for achieving success from leading side hustle professionals, enroll now. Apply the promo code EARLYBIRD to receive a 30% discount off the $97 fee (+ taxes and fees) until April 1, 2025.
Plus,
Sign up for SANGGRALOKA’s newsletter.
To acquire tips and strategies for achieving success at your job, managing finances, and navigating everyday life.
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oleh admin | Mei 29, 2024 | economic policy, economics, money, wealth, world
-
Many of the richest nations globally boast tiny population sizes, enabling their significant economic outputs to convert into elevated individual prosperity levels.
-
Luxembourg tops the list with a GDP per capita of $143,743, owing to its strong financial sector and advantageous banking regulations.
-
Nations like Qatar, the UAE, and Switzerland utilize specialized economies focused on natural resources, finance, or luxury items to attain a high gross domestic product per capita.
Elijah Ntongai, who works as a journalist for LIFEHACK.co.ke, boasts over three years of experience in researching finance, business, and technology. He offers valuable perspectives on both Kenyan and international developments.
The Global Finance magazine has published a report that ranks every country worldwide according to their GDP per capita.
Gross Domestic Product (GDP) per capita (a Latin term meaning ‘per individual’) serves as an economic indicator that calculates a nation’s total GDP divided by its number of inhabitants. It reflects the mean economic production attributed to each citizen.
The most recent report from Global Finance indicates that many of the globe’s richest nations are surprisingly small, leveraging advanced financial systems, valuable natural assets, and advantageous taxation policies.
One key factor shared by many of the wealthiest countries is their limited population sizes, enabling their significant economic production to convert into elevated individual prosperity.
Many of these nations boast specialized economies, developed financial sectors, or substantial natural resources, enabling them to become major economic forces regardless of their dimensions.
The Top 10 Richest Countries in 2024
1. Luxembourg
Luxembourg, a European microstate with a population of around 670,000, tops the list with an average GDP per Capita of $143,743 (about KSh 19,066,977).
Renowned for its robust financial sector and high standard of living, Luxembourg leverages its strategic location and banking secrecy laws to attract global wealth.
2. Macao SAR
Macao has rebounded strongly post-pandemic, recording a GDP per Capita of $134,141 (about KSh 17,793,342) in 2024.
Macao SAR has a small population of around 700,000 and a booming g*mbling and c*sino industry.
3. Ireland
Ireland has become a magnet for international businesses due to its attractive low corporate tax rates, with a GDP per capita of $133,895 (approximately KSh 17,751,587).
Global Finance pointed out, however, that this ranking primarily indicates the profitability of major companies rather than the typical citizen’s income.
4. Singapore
The transformation of Singapore from a developing country into a leading global financial hub is impressive, boasting a GDP per capita of $133,737 (approximately KSh 17,735,397).
This micro-nation keeps drawing wealthy people thanks to its beneficial taxation rules and pro-business atmosphere.
5. Qatar
Qatar’s extensive deposits of oil and natural gas play a crucial role in its prosperity, with a GDP per capita of $112,283 (approximately KSh 14,883,507).
Even with a limited number of people, the country sustains an elevated quality of life and strong economic stamina.
6. United Arab Emirates
The UAE, notably Dubai and Abu Dhabi, uses its petroleum riches to expand into sectors like tourism, finance, and commerce.
The country boasts a diverse populace and an economy that is quickly changing, with a gross domestic product per person of $96,846 (approximately KSh 12,853,215).
7. Switzerland
The prosperity of Switzerland stems from its robust banking industry, advanced technology sectors, and the global trade of premium products.
The nation has a significant average wealth per adult, featuring a GDP per capita of $91,932 (approximately KSh 12,197,590), along with a robust economy even amid recent disruptions in the financial sector.
8. San Marino
This tiny European country with a population of 34,000 enjoys advantages like minimal taxation and a robust tourist sector.
San Marino’s economy has demonstrated remarkable stability and expansion during difficult periods, with a GDP per capita of $86,989 (approximately KSh 11,539,617).
9. United States
The United States continues to be a dominant force in the global economy, boasting a sizable and varied economic landscape, with a GDP per capita of $85,373 (approximately KSh 11,313,977).
Recently implemented strategies have enhanced its economic performance, keeping it within the top 10 rankings.
10. Norway
Norway’s prosperity mainly stems from its significant contributions from the oil and gas industry, which result in a GDP per capita of $82,832 (approximately KSh 10,982,240).
Additionally, the nation boasts a significant sovereign wealth fund, which acts as a financial safeguard and aids in sustaining a high quality of life for its residents.
Challenges and inequalities
The Global Finance Magazine pointed out that even with their riches, these countries still face economic difficulties and disparities.
For instance, in nations like the U.S. and Switzerland, the gap between the rich and poor remains a critical issue.
Richest countries in Africa
In other related news,
LIFEHACK.co.ke
listed the top 20 wealthiest nations in Africa.
Countries were evaluated using GDP-PPP (Purchasing Power Parity) per capita, which considers differences in cost of living and inflation, providing a more accurate picture of economic well-being
Nations with sophisticated financial sectors, lucrative natural resources, favourable tax regimes, and small populations typically achieve higher GDP per capita.
Proofreading by Otukho Jackson, a multimedia journalist and copy editor at LIFEHACK.co.ke
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