{"id":276113,"date":"2026-03-08T08:20:33","date_gmt":"2026-03-08T01:20:33","guid":{"rendered":"https:\/\/nawacita.co\/?p=276113"},"modified":"2026-03-07T09:33:07","modified_gmt":"2026-03-07T02:33:07","slug":"bijak-gunakan-thr-simak-tips-mengatur-keuangan-di-masa-tak-menentu","status":"publish","type":"post","link":"https:\/\/nawacita.co\/index.php\/2026\/03\/08\/bijak-gunakan-thr-simak-tips-mengatur-keuangan-di-masa-tak-menentu\/","title":{"rendered":"Bijak Gunakan THR, Simak Tips Mengatur Keuangan di Masa Tak Menentu"},"content":{"rendered":"

Bijak Gunakan THR, Simak Tips Mengatur Keuangan di Masa Tak Menentu<\/h1>\n

JAKARTA, Nawacita<\/a><\/strong> — Serangan AS ke Iran, dan serangan baliknya ke Israel membuat ketidakpastian global. Perencana keuangan Rista Zwestika CFP WMI menyampaikan kiat untuk mengelola tunjangan hari raya (THR) di tengah ketidakpastian yang dapat berdampak pada kenaikan harga energi dan pangan.<\/p>\n

Di tengah ketidakpastian akibat masalah\u00a0geopolitik\u00a0global, ia mengatakan, warga sebaiknya lebih berhati-hati dalam menggunakan THR.<\/p>\n

“Saya biasa menyarankan masyarakat memakai prinsip sederhana yaitu THR sama dengan 3P. Prioritas, proteksi, dan perayaan,” kata duta\u00a0literasi keuangan\u00a0syariah Otoritas Jasa Keuangan (OJK) itu, Jumat (6\/3\/2026).<\/p>\n

\"\"<\/a>
Ilustrasi THR. Foto: jakartapedia.<\/figcaption><\/figure>\n

Ia menyampaikan, pemanfaatan dana THR sebaiknya diprioritaskan untuk memenuhi kebutuhan utama berkenaan dengan\u00a0perayaan Idul Fitri\u00a0seperti membayar zakat, mudik, serta memenuhi kebutuhan keluarga selama hari raya.<\/p>\n

\n
<\/div>\n<\/div>\n

Sebagian uang THR, Rista mengatakan, sebaiknya disisihkan untuk\u00a0dana darurat\u00a0sebagai bagian dari upaya proteksi keuangan. “Jika dana darurat belum ideal dengan minimal 6-12 bulan dari pendapatan, maka sebagian THR memang sebaiknya dialokasikan untuk memperkuat dana darurat, karena di masa ketidakpastian, cash buffer (cadangan uang tunai) seringkali lebih penting daripada gaya hidup sesaat,” ia menjelaskan.<\/p>\n

Rista mengatakan, dalam kondisi geopolitik yang menegang seperti sekarang ada baiknya menggunakan sebagian dana THR untuk berinvestasi pada aset dengan nilai stabil dan risiko rendah seperti emas, Surat Berharga Negara (SBN), dan reksa dana.<\/p>\n

Dia menyampaikan bahwa sebagian dari dana THR bisa digunakan untuk keperluan perayaan Idul Fitri. Alokasi dana untuk merayakan Idul Fitri bersama keluarga, menurut dia, sebaiknya diupayakan tidak berlebihan, secukupnya saja.\u00a0rpblk<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Bijak Gunakan THR, Simak Tips Mengatur Keuangan di Masa Tak Menentu JAKARTA, Nawacita — Serangan AS ke Iran, dan serangan baliknya ke Israel membuat ketidakpastian global. Perencana keuangan Rista Zwestika CFP WMI menyampaikan kiat untuk mengelola tunjangan hari raya (THR) di tengah ketidakpastian yang dapat berdampak pada kenaikan harga energi dan pangan. Di tengah ketidakpastian […]<\/p>\n","protected":false},"author":4,"featured_media":276114,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[108828,499,18323,8947],"class_list":{"0":"post-276113","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lifestyle","8":"tag-bijak-menggunakan-uang","9":"tag-keuangan","10":"tag-krisis-ekonomi","11":"tag-thr"},"yoast_head":"\nBijak Gunakan THR, Simak Tips Mengatur Keuangan di Masa Tak Menentu<\/title>\n<meta name=\"description\" content=\"JAKARTA, Nawacita -- Serangan AS ke Iran, dan serangan baliknya ke Israel membuat ketidakpastian global. 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