CFA LEVEL 99 @CFALEVEL99
Dont trust anyone on internet. I might be a dog. Joined April 2024-
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Iseng ngecek LK Pertamina. Ternyata penjualan Pertamax tahun 2024 emang turun signifikan dari $8.6 miliar jadi cuma $5.0 miliar. Apakah konsumen memang sudah beralih ke bensin swasta sejak 2024? Saya pribadi sudah ga pakai pertamina sejak 2023 karena mobil jadi lemot.
Iseng ngecek LK Pertamina. Ternyata penjualan Pertamax tahun 2024 emang turun signifikan dari $8.6 miliar jadi cuma $5.0 miliar. Apakah konsumen memang sudah beralih ke bensin swasta sejak 2024? Saya pribadi sudah ga pakai pertamina sejak 2023 karena mobil jadi lemot. https://t.co/OMWYNa2OHz
Bismillah komisaris 🙏.
Fun fact: mungkin masih ada sekian ratus miliar duit dana pensiun yang nyangkut di BUMI sejak harga Rp 3-4 ribuan.
Fun fact: mungkin masih ada sekian ratus miliar duit dana pensiun yang nyangkut di BUMI sejak harga Rp 3-4 ribuan.
Beli saham ga mainstream rasanya kaya punya unpopular opinion. Di sisi lain gw punya conviction kuat. Kapan-kapan thesisnya gw tulis di sini biar jadi sarana self check sebagaimana ketika gw salah di TUGU.
Mungkin Pa Presiden bilang: nanti buat anak anak itu nginap coba carikan hotel yang aman. Namun staff salah tangkap. Mungkin.
This is one of the reason why infrastructure spending in this country generates low IRR. Many people lives scatteredly, hence gov need to spend more capex to serve few people.
This is one of the reason why infrastructure spending in this country generates low IRR. Many people lives scatteredly, hence gov need to spend more capex to serve few people.
Kalau ga siap baca slur, ada opsi mute, block, dan opsi terakhir uninstall twitter lalu main IG aja.
Sawit bakal ijo nih.
alasan negara gak maju-maju itu cuma satu: PEMERINTAH KORUP ga usah ngide cari kambing hitam lain
alasan negara gak maju-maju itu cuma satu: PEMERINTAH KORUP ga usah ngide cari kambing hitam lain https://t.co/vW0i8RoH4N
Makhluk dari dunia mana yang pekerjaan serius pertamanya Menteri?
Kalau mau ngirit beli mesin kopi sendiri. Harga per cup ga nyampe 14rb include depresiasi mesin. Mesin espresso gw harganya Rp 1.5jutaan udah 4 tahun masih berfungsi normal. Dengan asumsi setahun bikin 300 cup maka per cup cuma Rp 2rb. Sisanya tinggal itung harga beans dan susu.
Kalau mau ngirit beli mesin kopi sendiri. Harga per cup ga nyampe 14rb include depresiasi mesin. Mesin espresso gw harganya Rp 1.5jutaan udah 4 tahun masih berfungsi normal. Dengan asumsi setahun bikin 300 cup maka per cup cuma Rp 2rb. Sisanya tinggal itung harga beans dan susu.
Typo tapi viral. Ya sudahlah ielts cuma 7.5 writing cuma 6.5 😅.
Makanya beli Executive, Wrangler, Lois, Valino, Wood, dan merk lain yang pabriknya di Indo. Buying those brands put food on someone's table somewhere in west java.
Makanya beli Executive, Wrangler, Lois, Valino, Wood, dan merk lain yang pabriknya di Indo. Buying those brands put food on someone's table somewhere in west java.
Jaga toko 8 jam sehari 26 hari seminggu digaji Rp 2.6 juta. Menurut netizen harusnya gaji berapa?
Jaga toko 8 jam sehari 26 hari seminggu digaji Rp 2.6 juta. Menurut netizen harusnya gaji berapa?
Lu semua yang punya harta bakal nyesel kalau ga beli crypto.
Lu semua yang punya harta bakal nyesel kalau ga beli crypto.
Dulu jaman beye gini juga, tapi bedanya yang diperjualbelikan oleh swasta adalah konsesi tol. Itulah kenapa 1 dekade pembangunan tol pantura relatif berhenti. Jaman owi dia beli semua konsesi trus tol dibangun pake APBN.
Dulu jaman beye gini juga, tapi bedanya yang diperjualbelikan oleh swasta adalah konsesi tol. Itulah kenapa 1 dekade pembangunan tol pantura relatif berhenti. Jaman owi dia beli semua konsesi trus tol dibangun pake APBN.
@rayestu Yield obligasi pemerintah 6%. Cost of fund bank besar 1.6-1.7%. Artinya ga perlu nyalurin kredit udah dapat NIM >4%. Itulah kenapa perusahaan top seperti Pertamina, PLN dapat bunga kredit kisaran 6%. Perusahaan retail dan UMKM pasti kena bunga lebih gede. x.com/rayestu/status…
@rayestu Yield obligasi pemerintah 6%. Cost of fund bank besar 1.6-1.7%. Artinya ga perlu nyalurin kredit udah dapat NIM >4%. Itulah kenapa perusahaan top seperti Pertamina, PLN dapat bunga kredit kisaran 6%. Perusahaan retail dan UMKM pasti kena bunga lebih gede. x.com/rayestu/status…
Jangan senang dulu. Kredit SME dan UMKM masih tinggi NPLnya. Bank ga akan berani tumbuh di situ. Yang merasakan dampak penurunan suku bunga most likely korporasi besar karena punya posisi tawar.
Jangan senang dulu. Kredit SME dan UMKM masih tinggi NPLnya. Bank ga akan berani tumbuh di situ. Yang merasakan dampak penurunan suku bunga most likely korporasi besar karena punya posisi tawar.
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