Qazwa Indonesia

We’re expanding our team and looking for talented individuals to join us. Know anyone who might be interested in this role? Let them know!

From Spendthrift to Saver: How Aging Transforms Your Financial Habits Over Time 👱🏻♂️👨🏻👨🏻🦳 As we age, our financial habits tend to evolve right alongside us. Priorities change, responsibilities grow, and a deeper awareness of money management emerges. What once felt essential often gives way to stability-focused choices, careful planning, and a focus on long-term financial health. Ever thought about it that way?🤔💨 Here’s how aging can typically affect financial habits: 1. Increased Focus on Saving and Investing In younger years, people often prioritize immediate needs and lifestyle spending, but as they get older, they tend to focus more on saving and investing for the future. Many prioritize building emergency funds, retirement savings, and making investments that compound over time. 💹🫰🏼 2. Greater Emphasis on Stability over Risk Younger adults may be more inclined to take financial risks, like investing in high-growth assets, because they have a longer time horizon to recover from potential losses. As people age, they often prioritize stability and security, favoring lower-risk investments or diversifying their portfolios to protect their wealth. 🧑🏻💻📊 3. More Careful Budgeting and Spending With age comes more life experience, often leading to more disciplined budgeting and a focus on spending wisely. Older adults often become more selective with their expenses, choosing to invest in experiences or items that align with their values or bring long-term benefits. 📝💰 4. Prioritizing Debt Reduction Younger adults might take on more debt, such as student loans, car payments, or credit card debt, for immediate needs or lifestyle purchases. As people age, they often aim to reduce debt aggressively, focusing on financial freedom and reducing monthly obligations, especially as they approach retirement. 💪🏻💸 5. Estate Planning and Legacy Concerns As people grow older, they often start to think more about estate planning, life insurance, and creating a financial legacy for their children or loved ones. This might include setting up trusts, writing wills, or planning charitable contributions. 🏠✨ 6. Health-Related Financial Habits Healthcare costs become more of a focus as people age, influencing habits such as investing in health insurance, setting aside emergency funds specifically for healthcare, or purchasing long-term care insurance. 🩺🏥 Stepping into adulthood often leads to a shift from short-term financial thinking to a focus on reflecting the evolving priorities at each life stage. Each phase brings new goals, pushing us to rethink how we handle cash—saving smart, investing wisely, and planning for what’s next. Embracing these shifts doesn’t just mean security; it means setting ourselves up for a future that’s both flexible and full of possibility 🌈 Here’s to financial growth that matches our vibe and vision, one smart choice at a time! ✨

Talking about red flags and green flags, we often think about someone's behavior in romantic relationships. But this time, we’re talking about something different! Our attitude towards finances can also show whether we have green flags or red flags😮🤚🏻Curious to find out where you stand? Let’s dive in below!👇🏼 🟥Red Flags 1. Living Beyond Means: Frequently spend more than they earn, relying on credit to cover expenses, which can lead to debt accumulation. 2. Lack of Budgeting: They do not track income or expenses, making it difficult to manage finances effectively. 3. No Emergency Fund: Have no savings set aside for emergencies, putting them at risk of financial hardship when unexpected costs arise. 4. High Debt Levels: Carry high levels of debt without a clear plan to pay it down. 5. Late Payments: Consistently miss bill payments or struggle with managing due dates, which can negatively impact their credit score. 6. Neglecting Retirement Savings: They do not contribute to retirement savings or have no plan for financial security in later years. 7. Impulsive Buying: Often make impulsive purchases without considering their budget or long-term financial goals. 8. Avoiding Financial Discussions: Avoid talking about money or are unaware of their financial situation, which can lead to poor decision-making. 🟩 Green Flags 1. Budgeting and Planning: Create and stick to a budget, allowing for better control over their finances and clear financial goals. 2. Emergency Fund: Have a sufficient emergency fund (typically 3-6 months’ worth of living expenses) to handle unexpected expenses without relying on credit. 3. Debt Management: Manage debt responsibly, paying bills on time and keeping credit card balances low relative to their credit limit. 4. Savings for Retirement: Actively contribute to retirement accounts (like a 401(k) or IRA) and understand the importance of saving for the future. 5. Financial Literacy: Understand key financial concepts, such as interest rates, compound interest, and the importance of credit scores. 6. Regular Financial Reviews: Regularly review their financial situation, adjusting their budget and savings plans as necessary. 7. Healthy Spending Habits: They prioritize needs over wants and make informed decisions before making significant purchases. 8. Earn Passive Income: Unlock your financial potential at Qazwa by funding with us and earn passive income effortlessly—let your money work for you! Identifying these green and red flags in financial habits can provide insights into someone's financial health and help guide decisions regarding partnerships, investments, or financial planning. Positive habits can foster stability and growth, while negative habits may lead to financial stress and insecurity👌🏻😉

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The Rise of QRIS in Indonesia: A Cashless Shift with Challenges Cash vs Cashless. Which team are you?👀💸 As everyone knows, in Indonesia, the widespread adoption of QRIS (Quick Response Code Indonesian Standard) has modernized payment systems by allowing consumers to make cashless payments via barcode scans on their smartphones. This technology has been embraced by restaurants, cafes, and retail stores, offering convenience and speed. However, this rapid shift has sparked debate, as many businesses now exclusively accept cashless payments, leaving those who prefer cash disadvantaged. 😢💪🏻 While QRIS promotes efficiency and aligns with a digital future, cash remains a legal form of payment. Rejecting cash can alienate certain groups, especially the elderly or those without access to digital payment systems. However, businesses should be mindful of inclusivity by offering both cash and cashless options, allowing all customers to participate in the economy. How do you feel about this issue? Let's share your thoughts from your perspective!✌🏻

Worth a Shot: Small Businesses That Can Bring Big Profits Small businesses can achieve big profits in a country as vibrant as Indonesia by identifying the market needs. Lately, several small businesses have started to gain popularity, especially among Millennials and Gen Z. Although they require relatively low capital, the profits generated can be quite tempting. Hmm, are you curious? What kind of business that comes to your mind? Let's find out together!🙋🏻♀️ 🛍️ Thrifting Thrift businesses offer several advantages for entrepreneurs. With low startup costs, owners can enter the market without significant financial risk. The sustainable model appeals to eco-conscious consumers, enhancing brand reputation and fostering loyalty. Additionally, the diverse inventory of unique, pre-owned items sets thrift stores apart from traditional retailers. Engaging with the community through support for local charities can further boost customer loyalty. As demand for vintage and second-hand items grows, thrift business owners have the opportunity to thrive in a rewarding and impactful market. 📦 Proxy Buying aka Jastip (Jasa Titip) The profits from a proxy buying business can be quite enticing. This is because those in the proxy buying business can make money from the price difference between the items they buy and the prices they charge consumers, and the shipping costs typically covered by the customers. For example, if you buy a bag from abroad for around Rp 1 million, you could sell it again in Indonesia for about Rp 2 million. That means you could make a profit of almost 50%!🤑 🏷️ Reseller Becoming a reseller is a great option for anyone who wants to earn extra money with limited capital. This business can also be run online using a phone and the internet. In addition, resellers can make money while still doing other activities. The flexibility resellers have allows them to run their business without disrupting other tasks, making it easier to manage their time😻 As a reseller, you also have the freedom to choose which products you want to sell and to change those choices based on market demand. In conclusion, Indonesia's dynamic market offers small businesses fantastic opportunities, especially for Millennials and Gen Z. With low capital and high-profit potential, ventures like thrift stores, proxy buying, and reselling are both accessible and rewarding. Ready to embark on your entrepreneurial journey? The possibilities are endless—let's explore together! 🌟

Celebrating Efishery: Our Valued Partner On this special occasion of eFishery’s birthday, Qazwa would like to extend our heartfelt wishes. Collaborating with a company as innovative and driven as Efishery has been an honor. 💪🏻 Qazwa is committed to providing inclusive access to Sharia-compliant financing, ensuring that all businesses like local fisheries have the support they need to grow faster and stronger. We look forward to many more years of shared success and impactful collaboration. 🌷✨ Happy Birthday, Efishery! Here's to many more milestones together🥳 Photo source: efishery.com

Last week, we had an exciting opportunity to meet KawanQazwa at the most awaited Syariah Financial Fair, (FinExpo) 2024 in Balikpapan. And, as you can see, our booth attracted much attention!👀🌷 With a bustling atmosphere and huge enthusiasm, the event gathered a day of insightful discussions, innovation, and networking. Also, we had a lot of enjoyable activities on-site with KawanQazwa. We even offered funding simulation and free financial consultation with our in-house Certified Financial Planner (CFP)! What a delight🤩🔥 Besides, there was a special person who visited our booth! Can you guess?😮🫵🏻👩🏻💼 She is Friderica Widyasari Dewi, SE., MBA, the Head of Behavioral Supervision at OJK, who had a fantastic time visiting the Qazwa booth🎉 She snapped a great photo with Mr. Achmad Syaugie, Qazwa's Marketing Manager, and Mr. Aris Setyawan, the Risk Manager. It was a lovely moment connecting and celebrating together! 📸☄️ A heartfelt thank you to everyone who made this an outstanding success. Cheers to the next chapter of growth, learning, and progress together—here’s to even bigger and better events ahead! 🍻✨ See you at the next one👋🏻

Emergency Funds 101: Protecting Yourself from Financial Surprises 💰🚨 Emergency funds serve as a safety net for all of us and are essential for everyone. Emergency funds are intentionally set aside to prepare for unforeseen situations requiring cash. These situations can range from illness, accidents, natural disasters, job loss, etc. Since these conditions are unpredictable, saving an adequate emergency fund is crucial! But, do you know the ideal way to arrange emergency funds? Let's find out together!👇🏼 First thing first, the emergency funds’ target depends on how many dependents you have. It's important to set realistic and achievable goals. Here’s a simple guide for the ideal size of your emergency fund based on dependents and monthly expenses: 🌷 Single: Aim it for at least 3 times your monthly expenses if you're single 🌷 Married: If you're married, you'll need at least 6 times your monthly expenses due to your spouse. 🌷 Married with one child: With one child, the target increases your monthly expenses to at least 9 times  🌷Married with two children: If you have two children, aim for at least 12 times your monthly expenses. Based on the conditions mentioned above, you can ascertain the ideal amount of emergency funds you should establish. Then, what is an effective strategy for preserving your emergency fund? If your answer is saving in a bank account, maybe you are right, but maybe there’s another promising alternative! Maintaining an emergency fund in a bank account is a common practice. However, are you aware that inflation will persist as a significant factor in the future? 🤔 The good news is that Qazwa could help you reach your emergency funds target without worrying about inflations! Ooh, wouldn't it be nice if you could reach your emergency fund target by receiving returns from Qazwa every month? 👀🤝🏻 Better safe than sorry, so there’s nothing to worry~

Happy Pancasila Sanctity Day, KawanQazwa! 🥳🇮🇩 Learning from the 2nd and 5th principles, Qazwa emphasizes justice in financial practices! This includes providing fair access to financing for all sectors, including Micro, Small, and Medium Enterprises (UMKM). 🙌🏻 What about you? Which Pancasila values do you often apply in your daily life? Share in the comments!~ #SelaluKasiLebih #MulaiDariQazwa #UntungJadiPendana #P2PSyariah #P2PFinancing #P2PLending #P2PLendingSyariah #PermodalanSyariah