{"id":5561,"date":"2023-08-09T11:49:14","date_gmt":"2023-08-09T04:49:14","guid":{"rendered":"https:\/\/linebank.co.id\/blog\/?p=5561"},"modified":"2023-08-09T11:49:15","modified_gmt":"2023-08-09T04:49:15","slug":"apa-itu-dana-darurat-kenapa-kamu-wajib-punya","status":"publish","type":"post","link":"https:\/\/linebank.co.id\/blog\/general\/apa-itu-dana-darurat-kenapa-kamu-wajib-punya\/","title":{"rendered":"Apa itu Dana darurat? Kenapa Kamu Wajib Punya?"},"content":{"rendered":"\n
\"Apa<\/figure>\n\n\n\n

Hi Sobat LINE Bank, <\/p>\n\n\n\n

Taukah kamu istilah dana darurat dalam keuangan? Yup seperti namanya, dana darurat adalah sejumlah uang yang kita siapkan untuk mengantisipasi situasi darurat seperti sakit, kecelakaan, bencana alam, kena PHK, dan masih banyak lagi. Keberadaan uang untuk jaga-jaga ini wajib banget untuk diprioritaskan untuk kamu sisihkan tiap bulannya.<\/p>\n\n\n\n

Jadi kalau sewaktu-waktu terjadi hal yang\u00a0nggak\u00a0<\/em>kamu inginkan, kebutuhan hidupmu tetap bisa terpenuhi. Tabungan dana darurat sebaiknya jadi sumber uang yang mudah diakses dan bisa kamu gunakan kapan saja, saat kejadian tak terduga yang bersifat darurat terjadi. Dengan menaruhnya pada rekening tabungan terpisah atau instrumen likuid seperti reksadana pasar uang .<\/p>\n\n\n\n

Mengingat dari namanya yang mengandung unsur\u00a0emergency,\u00a0<\/em>maka uang ini sebaiknya tidak kamu gunakan kecuali dalam situasi genting. Untuk pengeluaran yang\u00a0nggak\u00a0<\/em>terlalu penting, sebaiknya hindari penggunaan\u00a0emergency fund-<\/em>mu, ya. Tapi taukah kamu, kenapa sih dana darurat itu penting?<\/p>\n\n\n\n

Kenapa Dana Darurat Itu Penting?<\/h1>\n\n\n\n

Emergency fund nggak <\/em>hanya jadi penyelamat saat seseorang terkena layoff <\/em>atau PHK massal. Misalnya, di masa mendatang amit-amitnya <\/em>ada salah satu anggota keluargamu yang jatuh sakit dan membutuhkan biaya besar untuk menyelamatkan hidup mereka. Contoh lainnya, semisal sewaktu-waktu ada bencana gempa bumi yang membuat bangunan rumahmu rusak. Tentu butuh biaya besar untuk merenovasi rumah.<\/p>\n\n\n\n

Dengan memiliki persediaan dana darurat, kamu bisa membantu menyelamatkan nyawa anggota keluargamu atau merenovasi kerusakan rumah tanpa harus memutar otak harus berutang pada orang lain. Ingat, kedua contoh situasi di atas bisa terjadi pada siapa saja dan kapan saja lho! <\/p>\n\n\n\n

Kapan dan Berapa Jumlah Dana Darurat Yang Harus Disiapkan?<\/strong><\/h2>\n\n\n\n

Buat kamu yang masih single<\/em>, setidaknya kamu bisa menyiapkan 3 bulan dari pengeluaran wajib setiap bulan. Selanjutnya untuk kamu yang sudah menikah, siapkan 6 bulan dari pengeluaran bulanan. Nah, buat yang menikah dan punya anak, siapkanlah setidaknya 12 bulan dari pengeluaran bulanan. <\/p>\n\n\n\n

Adapun daftar pengeluaran untuk menghitung jumlah dana darurat yang harus disiapkan adalah kebutuhan pokok misalnya konsumsi harian, tagihan rutin bulanan (listrik, internet, air), transportasi, pembayaran sewa rumah\/kos (jika ada), hingga pengeluaran seperti utang misalnya cicilan KPR (Kredit Pemilikan Rumah). Pengeluaran ini tidak termasuk hiburan seperti liburan karena sifatnya bukanlah pengeluaran wajib.\u00a0<\/p>\n\n\n\n

Cara untuk mengumpulkan dana darurat tersebut adalah dengan mengalokasikan 10% dari penghasilan bulanan (gaji) sampai terkumpul dana daruratmu. Namun, nggak masalah juga kalau kamu hanya bisa mengumpulkan di bawah 10% dari gaji setiap bulannya. Sebab, yang terpenting adalah konsisten dan punya target yang jelas supaya kamu siap jika ada keadaan darurat dan usahakan ya untuk memiliki rekening terpisah. <\/strong><\/p>\n\n\n\n

Kamu bisa menggunakan fitur\u00a0<\/em>Multi Rekening,<\/strong>\u00a0kamu dapat memiliki\u00a0\u00a08 rekening dalam 1 akun\u00a0saja loh<\/a><\/strong><\/em>!<\/strong>\u00a0Kamu bisa mulai\u00a0<\/a>pisahin rekening<\/a>\u00a0<\/strong>sesuai kebutuhan kamu! 1 Rekening bisa untuk 1 kebutuhan agar dana nggak bercampur.<\/p>\n\n\n\n

Dengan LINE Bank, #Upgradelyf<\/strong> jadi makin tenang dan cash flow<\/em> tetap aman. Untukmu yang belum memiliki rekening LINE Bank, yuk buka rekening sekarang buat dapetin keuntungannya.<\/p>\n\n\n\n

Caranya gampang kok, download aplikasi LINE Bank di Appstore maupun Playstore dengan klik disini!<\/a><\/em><\/strong><\/p>\n\n\n\n

Jangan sampai ketinggalan juga ya promo menarik LINE Bank untukmu,berikut!<\/a><\/em><\/strong><\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

Baca juga : Apa itu Dana Darurat? Bagaimana Cara Mengumpulkannya?<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Hi Sobat LINE Bank, Taukah kamu istilah dana darurat dalam keuangan? Yup seperti namanya, dana darurat adalah sejumlah uang yang kita siapkan untuk mengantisipasi situasi darurat seperti sakit, kecelakaan, bencana alam, kena PHK, dan masih banyak lagi. Keberadaan uang untuk jaga-jaga ini wajib banget untuk diprioritaskan untuk kamu sisihkan tiap bulannya. Jadi kalau sewaktu-waktu terjadi […]<\/p>\n","protected":false},"author":3,"featured_media":5580,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[1],"tags":[],"ppma_author":[834],"class_list":["post-5561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"blocksy_meta":[],"yoast_head":"\nApa itu Dana darurat? Kenapa Kamu Wajib Punya? | LINE Bank Blog<\/title>\n<meta name=\"description\" content=\"Sudahkah kamu mengetahui mengenai dana darurat? 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