With 18 years of experience being CEO of Quantum Magna Financial since 2003, Ligwina Hananto shared her experience as a guest lecturer on the Advanced Planning Financial Course of SBM ITB. Ligwinas has an educational background in finance, with a Bachelor of commerce and finance and marketing from an Australian University.
She then has her Master’s degree in business administration, specifically in investment management, and recently became the global fellow 2021 for the prestigious Eisenhower Fellowship. Besides being the CEO of Quantum Magna Financial, Ligwina is also a lead financial trainer in Kim financial, writer, standup comedian, and movie actress.
At the beginning of her presentation entitled “Good Money Habit Foundation for Your Future,” Ligwina shared her story in the Eisenhower Fellowship program joined by 15 people out of 1000 applicants from different cultures. Fun fact, none of the fifteen attendees speak the same language, believe in the same religion, or have the same culture.
Ligwina stated that her passion for financial literacy brought her to the prestigious fellowship. Thanks to her commitment to building QM Financial as a financial literacy provider with various channels and contents, not to mention thousands of strong alumni from more than 350 cities in more than 27 countries, Ligwina made it to the fellowship attended by the most influential women in Indonesia.
Based on a question box on Instagram “what is a good money habit?”, Ligwina built a module that she used to teach in various countries: “5 Good Money Habits as Foundation of Your Future”. These habits consist of: setting up your monthly cash flow, budgeting, daily tracking, evaluating your cash flow, setting up financial goals, and having enough protection.
“For the first point of setting up monthly cash flow, have the 1-2-3-4 rules to give limitation and budget for expenses based on income consisted of various doors of opportunities: salary or freelancer, deposit interest, bond coupons, proceed of business/stock dividends, and rental property. This can be done by writing out your expenses and evaluating it afterward,” she said.
A problem that is faced by most people nowadays is the inability to set a financial goal. Thus, Ligwina shared a formula to get the right statement of goals through a diagram of goal setting, in short, medium, and long term by evaluating its risk: A Financial Goal = A Title + An Amount (IDR) + A Deadline (year). Afterward, the most important yet nearly always forgotten is to have enough protection, either health insurance for everyone or life insurance for the family’s breadwinner. Thus, closing her presentation, Ligwina provided us with her original concept of Blueprint of Your Money, consisting of all the basic needs starting from the financial check-up, financial plan to protect that she visualizes as a house.