{"id":7709,"date":"2012-08-30T21:46:10","date_gmt":"2012-08-30T21:46:10","guid":{"rendered":"https:\/\/buruhmigran.or.id\/?p=7709"},"modified":"2019-04-11T10:01:49","modified_gmt":"2019-04-11T03:01:49","slug":"merencanakan-keuangan-hasil-kerja-di-luar-negeri","status":"publish","type":"post","link":"https:\/\/buruhmigran.or.id\/en\/2012\/08\/30\/merencanakan-keuangan-hasil-kerja-di-luar-negeri\/","title":{"rendered":"(Bahasa Indonesia) Merencanakan Keuangan Hasil Kerja di Luar Negeri"},"content":{"rendered":"<p class=\"qtranxs-available-languages-message qtranxs-available-languages-message-en\">Sorry, this entry is only available in <a href=\"https:\/\/buruhmigran.or.id\/id\/wp-json\/wp\/v2\/posts\/7709\" class=\"qtranxs-available-language-link qtranxs-available-language-link-id\" title=\"Bahasa Indonesia\">Bahasa Indonesia<\/a>.<\/p><p><\/p>\n<p style=\"text-align: left;\" align=\"center\"><span style=\"text-align: -webkit-auto;\">Tanpa perencanaan keuangan, uang kerja keras selama di luar negeri bisa amblas tanpa prioritas. Selain itu, meski penghasilan di luar negeri terhitung besar, namun periode kerja yang dibatasi dan pendek membuat TKI mesti hati-hati mengelola penghasilannya. Itulah mengapa perencanaan sangat penting. Selain Perencanaan sudah dimulai sejak sebelum berangkat, sebab beberapa tujuan TKI ke luar negeri sangat berhubungan dengan masalah keuangan, seperti untuk membayar hutang, membiayai pendidikan anak, dsb.<\/span><\/p>\n<p>Dalam menggunakan penghasilan, apa yang harus didahulukan?<\/p>\n<p>1. Membayar hutang biaya pemberangkatan (jika ada).<\/p>\n<p>2. Memenuhi tujuan keuangan yang sudah ditentukan sejak sebelum berangkat (misal, menyekolahkan anak).<\/p>\n<p>3. Menyisihkan penghasilan untuk biaya hidup di awal-awal kepulangan, kira-kira untuk rentang waktu 6-12 bulan. Dengan demikian, keluarga tidak kalang kabut karena kehabisan uang sementara anda belum bekerja lagi. Sisihan penghasilan ini disimpan dalam tabungan di bank, jangan disimpan di rumah. Jika hendak didepositokan, pilih deposito jangka pendek, sehingga bisa diambil di saat darurat.<\/p>\n<p>4. Menyiapkan dana untuk mencari penghidupan lain, sehingga uang hasil menjadi TKI bisa berkembang dan anda harus menjadi TKI lagi. Bisa dengan membuka usaha, melanjutkan pendidikan tinggi, atau investasi.<\/p>\n<p>5. Sisihan dana untuk tujuan yang lain.<\/p>\n<p><strong>Catatan<\/strong>: untuk biaya kepulangan, terkadang tiket pulang dibelikan majikan\/agen. Biasanya, biaya kepulangan memakan 5-10% dari total gaji selama 2 atau 3 tahun bekerja.<\/p>","protected":false},"excerpt":{"rendered":"<p class=\"qtranxs-available-languages-message qtranxs-available-languages-message-en\">Sorry, this entry is only available in <a href=\"https:\/\/buruhmigran.or.id\/id\/wp-json\/wp\/v2\/posts\/7709\" class=\"qtranxs-available-language-link qtranxs-available-language-link-id\" title=\"Bahasa Indonesia\">Bahasa Indonesia<\/a>.<\/p>\n<p>Tanpa perencanaan keuangan, uang kerja keras selama di luar negeri bisa amblas tanpa prioritas. Selain itu, meski penghasilan di luar negeri terhitung besar, namun periode kerja yang dibatasi dan pendek membuat TKI mesti hati-hati mengelola penghasilannya. Itulah mengapa perencanaan sangat penting.<\/p>\n","protected":false},"author":493,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4916],"tags":[1706,1701],"class_list":["post-7709","post","type-post","status-publish","format-standard","hentry","category-panduan-pengelolaan-keuangan","tag-perecanaan-keuangan","tag-purnamigrasi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>(Bahasa Indonesia) Merencanakan Keuangan Hasil Kerja di Luar Negeri - Pusat Sumber Daya Buruh Migran<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/buruhmigran.or.id\/en\/2012\/08\/30\/merencanakan-keuangan-hasil-kerja-di-luar-negeri\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"(Bahasa Indonesia) Merencanakan Keuangan Hasil Kerja di Luar Negeri - Pusat Sumber Daya Buruh Migran\" \/>\n<meta property=\"og:description\" content=\"(Bahasa Indonesia) Tanpa perencanaan keuangan, uang kerja keras selama di luar negeri bisa amblas tanpa prioritas. 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