Citigroup Asia Pacific released the results of research done in 2010 through online interviews to 500 respondents across Indonesia. The result shows that the financial value quotient for Indonesia is 57 out of 100 points. This value is higher than the previous year, 52. Financial quotient is a term used to indicate awareness of Citigroup's financial condition and ability to understand the importance of financial planning, and implement good financial governance. Through this research, Citigroup suggests that many Indonesian people who are concerned about financial planning.
Research is also mentioned, most of Indonesian people with average income of Rp 10 million per month to feel optimistic about his financial future. More than 60 percent of respondents also claimed full pay credit card bills regularly. Even so, with such income, only 67 percent of respondents who are accustomed to saving regularly.
"While 24 percent tried to save money when possible, at year-end bonus, or when receiving holiday allowances. That is, those with an income of USD 10 million is still a lot that has not been disciplined to the habit of saving even though they realize that financial planning is important," said Hotman Simbolon , Vice President of Customer Care Center, Head of Citibank, in the ordinary Class Journalist Citibank in Jakarta, Wednesday (03.02.2011) ago.
Although Indonesia has increased the awareness of people in financial planning, in practice only 47 percent of respondents who admitted he made to the budget monthly. Meanwhile, says Hotman, 38 percent of people already making a budget but still trying to apply it.
Consciousness is not accompanied by actual implementation of this makes a lot of people end up not able financially in retirement. Surveys targeting technology literacy circles show the data, only 34 percent of people who believe how many pension funds that it needs the next few years. Some 31 percent did not know the needs of pension funds, only 13 percent have a retirement plan, and 22 percent have not started planning anything.
"In fact, pension fund planning needs to start now, in the long run, not during the seven years before retirement time arrives," says Hotman.
Besides the lack of discipline of saving, unpreparedness to face retirement, the survey also showed one in five people of Indonesia do not have enough savings if it should lose their jobs. That is, obviously Hotman, 20 percent of respondents admitted only can provide for her for three months if you have experienced layoffs. While the other 80 percent of its claimed savings could only make it survive in 2.5 months or 70 days.
An understanding of the importance of financial planning in fact not at the same knowledge of insurance and investment. This is the condition that Indonesia has not been able to make people financially independent. Of the 500 respondents, 54 percent had had unprotected insurance and 24 percent have no insurance at all. Most of the respondents did not even know the right investment choice to develop the value of their money. If given the money for six months salary, only 45 percent of respondents who claimed to know the right way to invest for themselves.
No wonder then that many people find Indonesia are worried about their future. Because in general, many people who have not financially independent due to not build the habits and discipline to set aside money from earnings to various budgets in preparing for the future.
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