This document discusses financial ratios that can be used to evaluate one's financial health and progress. It provides guidelines for key ratios including the savings ratio, liquid asset to net worth ratio, liquidity ratio, solvency ratio, debt to asset ratio, debt service ratio, and net investment asset to net worth ratio. Specific percentages or formulas are given for each ratio as basic guidelines. The document also discusses principles for ensuring the flow of wealth in a productive manner similar to the flow of blood and oxygen in the human body. Overall it promotes analyzing one's financial situation using ratios and directing funds productively.
3. family
occupation
recreation
F.amily Income Protection
message
unity R.etirement
leading E.ducation
agreement E.state Fund
D.isability
O.ther Investment (+tax)
M.edical
7. LIQUID ASSET TO NET WORTH
RATIO
RASIO ASET LANCAR BERBANDING
TOTAL KEKAYAAN BERSIH
Kas/Tunai/Setara Tunai
Total Kekayaan Bersih
RASIO %
Basic Guideline : 15% - 20%
8. RASIO KEUANGAN
LIQUIDITY RATIO
RASIO LIKUIDITAS
Kas/Tunai/Setara Tunai
Pengeluaran Bulanan RASIO
Basic Guideline :
> Emergency Fund / Dana Darurat
9. SOLVENCY RATIO
RASIO TOTAL KEKAYAAN BERSIH
BERBANDING TOTAL ASET
Total Kekayaan Bersih
Total Asset
RASIO %
Basic Guideline : > 35%
10. DEBT TO ASSET RATIO
RASIO TOTAL KEWAJIBAN
BERBANDING TOTAL ASET
Total Kewajiban
Total Asset
RASIO %
Basic Guideline : < 50%
11. DEBT SERVICE RATIO
Total Kewajiban Bulanan
Total Pemasukan Bulanan
RASIO %
Basic Guideline : < 35%
12. NET INVESTMENT ASSET
TO NET WORTH RATIO
Total Aset di Investasikan
Total Kekayaan Bersih
RASIO %
Basic Guideline : > 50%
14. NON MORTGAGE
DEBT SERVICE RATIO
Total Aset tanpa hutang Bulanan
Total Pemasukan Bulanan
RASIO %
Basic Guideline : < 15%
16. Prinsip mengalirkan/menghidupkan
Sistem Ek Tubuh
Islam Manusia
Ada kaidah agar
aliran membawa Ya anti judi Ya oksigen &
sesuatu yang makanan
bermanfaat ?
Ada larangan Ya anti riba Ya makanan
membendung ?
Ada alat pompa ? Ya zakat Ya jantung
SOURCE : bhimawan@bi.go.id
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17. Efek alkohol = efek judi
innamal hamru wal maisir……Al Maidah 90
P P M P P M P
P M P P P P M
Aliran investasi yang produktif P dan yang tidak produktif M !
O2 O2 hm O2 O2 hm O2
O2 hm O2 O2 O2 O2 hm
Aliran darah yang mengandung oksigen O2 dan yang tidak hm !
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28. Barang siapa yg mencari rezeki halal
(untuk keluarganya) maka hal itu sebagai
sedekah dari untuk keluarganya
(Bihal Al Anwar 46/67 dari Al Kafi 2/12)
Sedekah jariah
leadership6
31. Prospect
Muslim NM
Script: Non Muslim
Tanya? Al baqaroh UnitLink, sudah naik
NM ayat brapa?
Non Muslim brapa tuh?
Agent
Muslim Al'Qur an Surga
1. Total ilustrasi :
2. Rasionalis ember
3. Tradisional dan gunung
4. Follower