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Kamis, 22 Januari 2026

Global RAM Shortage Looms in 2026, Tech Prices Expected to Surge

World Team Januari 22, 2026 Comment

world.campusnesia.co.id - The global tech industry is facing a significant challenge as a sudden shortage of Random Access Memory (RAM) chips begins to impact supply chains worldwide. Analysts warn that consumers could see a price hike of 15% to 25% for laptops, smartphones, and servers by the second quarter of 2026.

The Source of the Crisis

The shortage is primarily driven by a massive shift in manufacturing priorities. Major semiconductor giants, including Samsung, SK Hynix, and Micron, have reportedly reallocated their production lines toward High Bandwidth Memory (HBM) to satisfy the insatiable demand for Artificial Intelligence (AI) data centers.

"The AI boom is eating the world's silicon," says Dr. Aris Pratama, a senior tech analyst. "Manufacturers are prioritizing high-margin AI chips over standard DDR4 and DDR5 RAM used in everyday consumer electronics. This has created a vacuum in the retail market."

Impact on Consumers and Business

For the average consumer, this means the era of "cheap upgrades" may be temporarily over. Retailers are already reporting a 10% increase in the price of 16GB and 32GB RAM sticks compared to late 2025.

Key sectors affected include:

1. Gaming Industry

High-end gaming PCs will see the most immediate price adjustments.

2. Education

Budget laptops for students may become harder to source for the upcoming school year.

3. Corporate IT

Companies looking to refresh their office hardware are being advised to place orders immediately to avoid further price spikes.

The Road Ahead

While production is expected to stabilize by early 2027, the remainder of 2026 will likely remain volatile. Tech experts suggest that if you are planning to upgrade your computer’s memory or purchase a new high-performance device, the best time to do so is now, before the full effects of the shortage hit the retail shelves in March.

Industry leaders are calling for more diversified manufacturing hubs to prevent such bottlenecks in the future, but for now, the message to the market is clear: Supply is tightening, and the cost of memory is going up.

The AI industry is currently the primary driver behind the increasing cost and scarcity of RAM.

3 Main reasons why AI is making RAM more expensive

1. Shift to HBM (High Bandwidth Memory)

AI processors (like those from NVIDIA) require a specialized type of memory called High Bandwidth Memory (HBM). To meet the massive demand from AI companies, manufacturers like Samsung and SK Hynix are shifting their production lines away from standard RAM (DDR4/DDR5) to produce HBM. Since factory capacity is limited, producing more AI memory means producing less "normal" RAM, which lowers supply and drives up prices.

2. The "AI PC" and Smartphone Trend

New devices are being marketed as "AI PCs" or "AI Smartphones." These devices require much higher base RAM to run AI models locally. For example:

Standard laptops used to function well with 8GB of RAM. New AI-integrated laptops now require a minimum of 16GB to 32GB to perform smoothly. This sudden increase in the "minimum requirement" across millions of devices has created a massive surge in global demand.

3. Data Center Expansion

Tech giants (Google, Microsoft, Meta) are building massive data centers to train AI. These servers require terabytes of RAM, not just gigabytes. Because these companies are willing to pay a premium price to get the components first, consumer-grade RAM prices are pushed higher as a result.

Biography of Purbaya Yudhi Sadewa, A Key Figure in Indonesia’s Financial Stability

World Team Januari 22, 2026 Comment

world.campusnesia.co.id - Purbaya Yudhi Sadewa, Ph.D. is a prominent Indonesian economist and public official who currently serves as the Chairman of the Board of Commissioners of the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan - LPS). Known for his deep expertise in monetary economics and data-driven policy making, he has played a vital role in maintaining the nation's financial system stability.

Early Life and Education

Purbaya’s academic journey is rooted in a strong foundation of engineering and economics. He earned his Bachelor’s degree in Electrical Engineering from the prestigious Bandung Institute of Technology (ITB).

Driven by an interest in global markets and economic structures, he pursued further studies in the United States, obtaining a Master’s degree and subsequently a Ph.D. in Economics from Purdue University. His doctoral research focused on macroeconomics and monetary policy, which would later become the core of his professional career.

Professional Career

Before leading LPS, Purbaya held several high-ranking positions in both the private sector and the government:

1. Deputy for Coordinating Sovereign Wealth Fund and Investment

At the Coordinating Ministry for Maritime Affairs and Investment, where he worked closely with Minister Luhut Binsar Pandjaitan.

2. Chief Economist

He served as a lead economist for various financial institutions, including Danareksa Research Institute, where he became a well-known analyst for Indonesia’s macroeconomic trends.

3. Academician

He has shared his knowledge as a lecturer, influencing the next generation of Indonesian economists.

Leadership at LPS

Appointed as the Chairman of LPS in 2020, Purbaya has been instrumental in navigating the Indonesian banking sector through global economic uncertainties. Under his leadership, LPS has:

1. Maintained high public confidence in the banking system.

2. Proactively adjusted deposit insurance interest rates to balance stability and growth.

3. Expanded its mandate to include the Insurance Guarantee Program, ensuring protection for insurance policyholders in Indonesia.

Vision and Contribution

Purbaya is widely respected for his "straight-to-the-point" analysis and his ability to translate complex economic data into actionable policies. He remains a vocal advocate for financial literacy and digitalization in the financial sector, believing that a stable economy starts with a well-informed public and a resilient banking infrastructure.

5 Latest Policy Updates during 2025 to 2026

1. Fiscal Discipline & 8% Growth Target

Purbaya berkomitmen untuk menjaga disiplin fiskal sambil mengejar target pertumbuhan ekonomi sebesar 8% secara bertahap dalam 2–3 tahun ke depan. Ia percaya bahwa optimalisasi manajemen kas negara adalah kunci untuk mengakselerasi ekonomi tanpa mengganggu sistem perbankan.

2. No Increase in Tobacco Excise (CHT)

Untuk tahun 2026, ia memutuskan untuk tidak menaikkan tarif cukai rokok. Sebagai gantinya, ia akan menambah layer tarif cukai baru untuk menarik produsen rokok ilegal menjadi legal, serta melakukan penindakan tegas terhadap extraordinary crime di bidang cukai.

3. Massive Tax Office Rotation

Pada Januari 2026, ia melakukan rotasi besar-besaran terhadap ribuan pegawai Direktorat Jenderal Pajak (DJP) untuk menyegarkan organisasi dan mengejar target penerimaan negara yang ambisius.

4. IHSG Target of 10,000

Ia menyatakan optimismenya bahwa Indeks Harga Saham Gabungan (IHSG) dapat mencapai level 10.000 pada tahun 2026, didorong oleh sinkronisasi kebijakan antara fiskal (Kemenkeu) dan moneter (Bank Indonesia).

5. Rupiah Stability

Purbaya menekankan pentingnya menjaga fundamental ekonomi untuk menstabilkan nilai tukar Rupiah, yang sempat mengalami tekanan di awal tahun 2026, namun ia optimis akan menguat kembali seiring masuknya aliran modal asing.

Selasa, 29 Juli 2025

Seru dan Kreatif! Anak SDN Brubuh 2 Ngawi Belajar Meronce Gelang Manik-Manik dalam Pelatihan Kewirausahaan

World Team Juli 29, 2025 Comment

Hasil karya gelang dari manik-manik

Nesianetwork.id - Desa Brubuh Kecamatan Jogorogo, 21 Juli 2025 - Suasana SDN Brubuh 2 Kabupaten Ngawi pagi itu penuh keceriaan. Beberapa anak SD tampak antusias berkumpul dalam satu ruangan kelas, mereka serius meronce manik-manik berwarna-warni menjadi gelang cantik. Kegiatan ini bukan sekadar pelajaran kerajinan tangan biasa, melainkan bagian dari pelatihan kewirausahaan anak yang digagas oleh kelompok 49 MMD dari Universitas Brawijaya.

Penjelasan materi kewirausahaan

Kegiatan dimulai dengan penyampaian materi dasar kewirausahaan kepada anak-anak kelas 3 dan 4. Materi dikemas secara ringan dan menyenangkan agar mudah dipahami anak-anak. Mereka dikenalkan pada konsep sederhana tentang usaha kecil, bagaimana sebuah produk bisa bernilai jual, dan pentingnya sikap ulet serta percaya diri dalam memulai usaha. Setelah sesi materi, kegiatan dilanjutkan dengan praktik meronce kerajinan manik-manik, seperti gelang. Anak-anak tampak antusias dan kreatif dalam merangkai manik-manik sesuai warna dan bentuk favorit mereka.

Memberikan pengarahan sebelum praktik meronce gelang

Dalam pelatihan ini, para peserta dibimbing oleh pendamping yaitu anak-anak mmd yang mana menjelaskan mengenai cara memilih warna manik-manik, menyusun pola, hingga merangkainya menjadi gelang yang menarik. Hasil karya yang mereka buat juga dikenalkan sebagai produk yang bisa dijual, sehingga anak-anak mulai memahami bagaimana sebuah ide bisa menjadi peluang usaha. Penanggung jawab kegiatan, Safira Erita menjelaskan bahwa tujuan kegiatan ini adalah untuk melatih kreativitas sekaligus mengenalkan konsep usaha kecil yang bisa dilakukan anak-anak.

Melalui kegiatan ini, diharapkan siswa-siswi tidak hanya memperoleh pengalaman baru, tetapi juga tumbuh semangat untuk berkarya dan berwirausaha sejak dini. Gelang-gelang hasil karya anak-anak rencananya akan dipamerkan dan dijual pada peringatan Hari Anak sebagai bagian dari pameran UMKM desa. Kegiatan ini pun mendapat apresiasi dari para guru yang juga ikut mendukung dari awal hingga selesainya kegiatan sehingga menjadikan kegiatan ini berjalan lancar.

Praktik meronce gelang dari manik-manik

Kegiatan ini sekaligus mendukung Tujuan Pembangunan Berkelanjutan (SDGs) poin ke-4, yaitu Pendidikan Berkualitas. Melalui pelatihan ini, anak-anak memperoleh pembelajaran yang inklusif dan keterampilan praktis yang dapat menjadi bekal masa depan mereka. Pendidikan berbasis praktik seperti ini diharapkan dapat meningkatkan kualitas sumber daya manusia sejak usia dini.

Ke depan, mahasiswa MMD UB 2025 Kelompok 49 berharap kegiatan serupa dapat terus dilakukan secara berkelanjutan, sehingga anak-anak di Desa Brubuh memiliki lebih banyak kesempatan untuk belajar keterampilan baru yang bermanfaat. Diharapkan, pengalaman ini bisa menjadi awal bagi lahirnya wirausahawan cilik yang kreatif, mandiri, dan mampu mengembangkan potensi lokal desanya.

#mmd2025

#sdgs4

Editor:
Achmad Munandar

Senin, 12 Agustus 2024

Beware of Illegal Online Loans: Diponegoro University's Community Service Program (KKN) Socializes the Dangers of Illegal Online Loans in Bandungan, Klaten

World Team Agustus 12, 2024 Comment

Nesianetwork.id - Bandungan, Klaten (11 August 2024) - In recent years, illegal online lending has become an increasingly troubling problem for the community, especially among rural communities who still lack knowledge about digital financial services. Many residents are trapped in the trap of illegal pinjol with very high interest rates, inhumane collection, and theft of personal data.

The latest data on 11 June 2024, OJK has found 654 illegal online loan entities on a number of sites and applications. From these problems, Students of Real Work Lecture (KKN) TIM II Diponegoro University (UNDIP) 2024 majoring in Accounting carried out socialisation activities related to the rise of illegal online loans in Bandungan Village, Jatinom District, Klaten Regency. This activity aims to provide an understanding to the community about the dangers and risks of illegal online loans (pinjol), as well as how to recognise and avoid them.

This activity was carried out as a preventive measure to protect the residents of Bandungan Village from the negative impact of illegal pinjol. This activity began with a presentation on what online lending (Peer to peer lending) is, who are the providers of online loans, the difference between legal and illegal online loans, how to check the legality of online loans, and the risks faced by users of illegal pinjol.

In the socialisation, UNDIP KKN TIM II students explained that illegal pinjol are often not registered with the Financial Services Authority (OJK) and offer a very easy lending process without clear requirements. However, behind this convenience, there are great risks such as suffocating interest, unreasonable fines, and threats to personal data security.

In addition to the material presentation, students also distributed leaflets containing information on how to report illegal pinjol, how to check the legality of pinjol, and steps that can be taken if you have already been caught in the trap of illegal pinjol. The leaflet is expected to be a practical guide for the community to be more careful and not get caught in bigger financial problems. The women of Bandungan Village PKK were very enthusiastic in participating in this socialisation activity and hoped that they could be more aware of suspicious online loan offers.

Through this socialisation activity, KKN TIM II UNDIP 2024 students hope to make a real contribution in improving the financial literacy of the community and preventing them from the threat of illegal online loans that are increasingly prevalent. It is also hoped that this activity can be the first step for the people of Bandungan Village to be more careful and intelligent in choosing digital financial services.

Editor:
Achmad Munandar

Minggu, 11 Agustus 2024

Elevating Toga Srikandi as a Traditional Jamu Business Through Modern Branding by A Community Service Program (KKN) Student in Timuran, Surakarta

World Team Agustus 11, 2024 Comment

Nesianetwork.id - As a vital component of Diponegoro University (UNDIP)’s curriculum, the Kuliah Kerja Nyata (KKN) program offers students a unique opportunity to apply their academic knowledge in real-world settings. This year, a focus on the traditional jamu business, Toga Srikandi, owned by Mrs. Sum, has highlighted the significant role that students can play in enhancing the sustainability of local small businesses.

Toga Srikandi, a traditional jamu business, has been facing challenges primarily due to a lack of promotional efforts and outdated packaging that fails to attract potential customers. Recognizing these issues, Nabiila Mega, a Business Administration student participating in the KKN program, initiated a revitalization strategy aimed at increasing the appeal of the business.

This program titled “Transformasi UMKM Melalui Revitalisasi Strategi Pemasaran dan Pembaharuan Kemasan” has some strategies, including redesigning the product packaging to give it a modern and appealing look, which is crucial in catching the eye of new customers. In addition, professional business cards were created to strengthen the business's marketing efforts, making it easier to connect with potential clients and partners.

“We've always relied on word-of-mouth and our loyal customers, but with this new packaging and the professional business cards, I believe we can reach a wider audience,” said Mrs. Sum after the project was completed.

This initiative hopefully will not only revitalize the branding of Toga Srikandi, but also sets a precedent for other traditional businesses in Timuran, showing that they can thrive in the modern market for selling heritage products.

Editor:

Achmad Munandar

BROUGHT FROM ASTER, WITH LOVE! A Community Service Program (KKN) by Undip Student on the Collaboration of Housewives in Aster Street for Snack Supplies in Timuran, Surakarta

World Team Agustus 11, 2024 Comment

Nesianetwork.id – As a way to bridge the gap between academic learning and real-world application, Diponegoro University (UNDIP) has long been a proponent of the Kuliah Kerja Nyata (KKN) program. This community service initiative, which translates to 'Real Work Lecture,' is an integral part of the university's curriculum, designed to empower students with practical experience while contributing to the development of local communities. Each student is required to step out of their classrooms and blend into various societal settings, applying their knowledge to tackle real-life challenges. This year, a student majoring in Business Administration, has taken on the mission of revitalizing a small traditional snack business, showcasing the profound impact of the collaboration of academic and community.

Traditional snack businesses face several challenges nowadays that might decrease their chance to survive nowadays, and one of the reasons is the lack of initiative in business strategies and not enough developments in their branding. Realizing this issue, Nabiila Mega, a student who’s taking her part in the second team of KKN UNDIP 2023/2024, is taking a step further and helping the small businesses in RW 1, Timuran.

Originally, there are a few housewives who have small businesses to supply snacks to a bigger store. With some discussions and advice, it has been concluded that the snack business owners in RW 1 would operate better if they gather together and start accepting large orders managed by themselves under one corporation. And to complete the innovation, Nabiila also designed a new catalogue of their menu choices in order to introduce their products better to the potential customer. This makes the participants named Mrs. Cicilia and Mrs. Yuyun were very excited on this merger project named “Pengembangan Ulang Inovasi Model Bisnis dan Optimalisasi Product Knowledge Pada Konsumen”

“I am very thankful for the help to upgrade my business into a more modern way to keep up with the competitors. This would be so helpful” said Mrs. Cicilia after the project presentation.

And with this development, there is great hope that Aster Snack would become a pioneer in the progress of other MSMEs and have a positive impact on the economy of Timuran.

Editor:
Achmad Munandar

Minggu, 03 Maret 2024

Japan's Economic Landscape, Potential for Recession Looms

World Team Maret 03, 2024 Comment

Nesianetwork.id - Japan, known for its technological innovation, rich cultural heritage, and unique societal norms, stands as one of the world's major economic powerhouses. However, beneath the surface of its economic prosperity lies a complex web of challenges that could potentially lead to a recession. In this article, we'll explore Japan's economic landscape, the factors contributing to its vulnerability, and the potential risks of recession.

Economic Overview

Japan boasts the world's third-largest economy by nominal GDP, driven primarily by manufacturing, technology, and export-oriented industries. The nation has a highly skilled workforce, advanced infrastructure, and a reputation for producing high-quality goods. Additionally, Japan's aging population poses significant challenges, including a shrinking labor force and increasing healthcare costs.

Economic Challenges

Despite its economic prowess, Japan faces several structural challenges that threaten its stability

- Demographic Decline

Japan's population is rapidly aging, with a declining birth rate and increasing life expectancy. This demographic shift strains the pension and healthcare systems, reduces consumer spending, and limits economic growth potential.

- High Debt Burden

Japan carries one of the highest debt-to-GDP ratios globally, exceeding 200%. This massive debt burden constrains fiscal policy options and raises concerns about long-term sustainability.

- Deflationary Pressures

Japan has struggled with deflation for decades, which discourages consumer spending and business investment. Despite efforts by the government and central bank to stimulate inflation, achieving sustainable price growth remains elusive.

3. External Vulnerabilities

Japan's economy is heavily reliant on exports, particularly to key trading partners like China and the United States. Any disruptions to global trade, such as trade tensions or economic downturns in major markets, could significantly impact Japan's export-driven growth model.

Moreover, Japan's proximity to geopolitical hotspots, such as North Korea and territorial disputes with neighboring countries, adds to its vulnerability to external shocks.

4. Potential for Recession

The convergence of internal and external challenges increases the likelihood of a recession in Japan:

- COVID-19 Pandemic

The ongoing pandemic has disrupted global supply chains, dampened consumer demand, and slowed economic activity worldwide. While Japan has implemented measures to mitigate the impact, the resurgence of COVID-19 variants and uncertainty surrounding vaccination efforts pose ongoing risks.

- Structural Weaknesses

Japan's aging population, high debt levels, and deflationary pressures create a fragile economic environment. Without meaningful reforms addressing these structural weaknesses, the economy remains susceptible to downturns.

- Global Economic Uncertainty

Geopolitical tensions, trade disputes, and shifts in global economic dynamics could exacerbate Japan's economic challenges. A slowdown in global growth or financial market turmoil could trigger a recessionary spiral.

Japan's economic resilience is being tested by a confluence of internal and external factors, raising concerns about the potential for recession. While the nation possesses significant strengths, including technological prowess and a skilled workforce, addressing structural vulnerabilities is paramount to ensuring long-term economic stability.

Policy interventions focusing on demographic revitalization, fiscal consolidation, and structural reforms are essential to bolstering Japan's economic resilience and mitigating the risk of recession. Additionally, proactive measures to adapt to changing global dynamics and enhance competitiveness will be crucial for navigating uncertain times ahead. As Japan grapples with these challenges, strategic foresight and decisive action will be imperative in safeguarding its economic future.

Investree, Revolutionizing Lending in Indonesia

World Team Maret 03, 2024 Comment

Nesianetwork.id - In the ever-evolving landscape of financial technology (fintech), startups like Investree are transforming traditional lending models, particularly in emerging markets such as Indonesia. Established in 2016, Investree has swiftly emerged as a prominent player in Indonesia's fintech scene, offering innovative lending solutions to individuals and businesses alike. This article explores Investree's journey, its impact on Indonesia's financial ecosystem, and the potential risks associated with lending startups like Investree.

Investree was founded with a mission to democratize access to finance by providing efficient and inclusive lending solutions. Leveraging technology, Investree connects borrowers with lenders through its online platform, facilitating peer-to-peer lending as well as business-to-business lending. This approach not only streamlines the borrowing process but also opens up new avenues for investors to diversify their portfolios and earn attractive returns.

One of Investree's key strengths lies in its commitment to leveraging data analytics and artificial intelligence to assess creditworthiness accurately. By analyzing various data points, including financial records, transaction history, and behavioral patterns, Investree can evaluate the risk profile of potential borrowers more effectively. This data-driven approach enables Investree to extend credit to individuals and businesses that may have been overlooked or underserved by traditional financial institutions.

Investree's innovative lending model has had a profound impact on Indonesia's financial landscape. By providing accessible and affordable credit options, Investree empowers individuals and small businesses to pursue their goals and fuel economic growth. Small and medium enterprises (SMEs), in particular, benefit from Investree's flexible financing solutions, which enable them to expand operations, invest in technology, and create employment opportunities.

Moreover, Investree's emphasis on transparency and risk management helps build trust among borrowers and investors alike. Through its online platform, Investree provides transparent information about loan terms, interest rates, and repayment schedules, fostering a transparent and accountable lending environment. This transparency not only attracts investors seeking reliable investment opportunities but also instills confidence in borrowers regarding the fairness of the lending process.

Despite its many advantages, Investree and similar lending startups are not without risks. One of the primary concerns is the potential for defaults, wherein borrowers fail to repay their loans. While Investree employs robust risk assessment techniques to mitigate this risk, economic downturns, unforeseen events, or systemic issues could still lead to an increase in defaults.

To address this challenge, Investree employs a multi-faceted risk management approach, which includes diversifying loan portfolios, implementing stringent underwriting criteria, and continuously monitoring borrower performance. Additionally, Investree has established contingency funds to absorb potential losses and protect investor interests in the event of defaults.

Furthermore, regulatory scrutiny and compliance remain critical factors for Investree's sustainability and growth. As the fintech industry continues to evolve, regulatory frameworks may evolve as well, requiring Investree to adapt its operations and practices accordingly to ensure compliance and maintain trust with stakeholders.

Investree's journey exemplifies the transformative potential of fintech in reshaping traditional lending practices and fostering financial inclusion. By leveraging technology and data analytics, Investree has revolutionized the way individuals and businesses access credit in Indonesia, unlocking new opportunities for economic empowerment and growth.

While the potential for defaults poses a significant risk, Investree's proactive risk management strategies and commitment to transparency position it well to navigate challenges and continue driving positive change in Indonesia's financial landscape. As Investree continues to innovate and expand its reach, its impact on financial inclusion and economic development is poised to grow, making it a key player in Indonesia's fintech revolution.

The Rise and Fall of Peer-to-Peer Lending Startups: Understanding the Bankruptcy Trend

Peer-to-peer (P2P) lending, once hailed as a revolutionary financial innovation, has experienced a wave of bankruptcies among startups in recent years. While the concept of P2P lending promised to democratize finance by connecting borrowers directly with lenders, the reality has been far from the initial hype. Several factors have contributed to the downfall of many P2P lending startups, shedding light on the challenges inherent in the industry.

Regulatory Challenges

One of the primary reasons behind the bankruptcy trend is the stringent regulatory environment. P2P lending platforms operate in a complex regulatory landscape, with each jurisdiction imposing its own set of rules and requirements. Compliance costs can be exorbitant, especially for startups with limited resources. Additionally, regulatory uncertainty can hinder innovation and expansion, leading to a loss of competitive advantage.

Risk Management Issues

Another crucial factor contributing to the bankruptcy of P2P lending startups is inadequate risk management practices. Many platforms underestimated the risks associated with lending money to borrowers with limited credit histories or unstable financial situations. As a result, loan defaults and delinquencies soared, leading to significant losses for both lenders and platforms. In some cases, fraudulent activities further exacerbated the situation, eroding trust and credibility within the ecosystem.

Market Saturation and Competition

The P2P lending market has become increasingly saturated, with numerous platforms vying for market share. Intense competition has driven down interest rates and squeezed profit margins, making it challenging for startups to achieve sustainable growth. Moreover, established financial institutions and alternative lending platforms have entered the fray, further intensifying competition and eroding the competitive advantage of early entrants.

Lack of Scalability

Many P2P lending startups struggled to achieve scalability due to inherent limitations in their business models. Building a critical mass of borrowers and lenders is essential for sustaining operations and generating sufficient revenue. However, attracting and retaining users proved to be a significant challenge for startups, especially in highly competitive markets. Without adequate scale, startups found it difficult to cover operating expenses and achieve profitability, ultimately leading to bankruptcy.

Market Volatility and Economic Downturns

The volatility of financial markets and economic downturns have also played a role in the bankruptcy of P2P lending startups. During periods of economic uncertainty, investors become more risk-averse, leading to a decrease in demand for P2P loans. Additionally, rising unemployment and declining consumer spending can increase the likelihood of loan defaults, further exacerbating the financial woes of P2P lending platforms.

The bankruptcy trend among P2P lending startups underscores the challenges and risks inherent in the industry. While the concept of P2P lending holds promise, startups must navigate a complex regulatory environment, implement robust risk management practices, and differentiate themselves in a crowded market to succeed. Moreover, achieving scalability and resilience to market volatility are crucial for long-term survival. Only those platforms that can adapt to changing conditions and effectively address these challenges will thrive in the dynamic landscape of P2P lending.

Jumat, 01 Maret 2024

Url Link to Read Indonesia The Jakarta Post English Newspaper

World Team Maret 01, 2024 Comment

Nesianetwork.id - If you are looking for newspapers and online media from Indonesia that use English, we recommend The Jakarta Post.

The Jakarta Post is a daily English-language newspaper in Indonesia. The paper is owned by PT Bina Media Tenggara and based in the nation's capital, Jakarta.

The Jakarta Post started as a collaboration between four Indonesian media at the urging of Information Minister Ali Murtopo and politician Jusuf Wanandi. After the first issue was printed on 25 April 1983, it spent several years with minimal advertisements and increasing circulation. After a change in chief editors in 1991, it began to take a more vocal pro-democracy point of view. The paper was one of the few Indonesian English-language dailies to survive the 1997 Asian financial crisis and currently has a circulation of about 40,000.

The Jakarta Post also features an online edition and a weekend magazine supplement called J+. The newspaper is targeted at foreigners and educated Indonesians, although the middle-class Indonesian readership has increased. Noted for being a training ground for local and international reporters, The Jakarta Post has won several awards and been described as being "Indonesia's leading English-language daily". The Jakarta Post is a member of Asia News Network.

History of The Jakarta Post

The Jakarta Post was the brainchild of Information Minister Ali Murtopo and politician Jusuf Wanandi. Murtopo and Wanandi were disappointed at the perceived bias against Indonesia in foreign news sources. At the time, there were two English-language dailies, The Indonesia Times and The Indonesian Observer.

However, due to negative public perception regarding the existing papers, they decided to create a new one. In order to ensure credibility, the two agreed to convince a group of competing newspapers (the Golkar-backed Suara Karya, the Catholic-owned Kompas, the Protestant-owned Sinar Harapan, and the weekly Tempo) to back the nascent paper.

It was hoped to become a quality English-language paper in Southeast Asia, similar to The Straits Times in Singapore, the Bangkok Post as well as the now-defunct The Nation in Thailand as well as The Star, the now-defunct The Malay Mail and New Straits Times in Malaysia.

After founding PT Bina Media Tenggara to back the paper, Wanandi spent several months contacting influential figures at the targeted newspapers. To receive their cooperation, Kompas requested a 25 per cent share in the new newspaper, for which it would handle the daily business operations, such as printing, circulation, and advertising.

Tempo offered to assist with management in return for a 15 per cent share, while Sabam Siagian of Sinar Harapan was hired as the first chief editor, for which Sinar Harapan received stock. The establishment of the paper was further aided by incoming Information Minister Harmoko, who received 5 per cent interest for his role in acquiring a license. In total, the start-up cost Rp. 500 million (US$700,000 at the time). Muhammad Chudori, a co-founder of The Jakarta Post who formerly reported for Antara, became the newspaper's first general manager.

Further details, including the matter of Sinar Harapan's share of stock and the publisher, were decided at a meeting at Wanandi's office in March 1983. The next month, on 25 April, the first edition-totalling eight pages-was published. The first newsroom of the new paper were located in Kompas's former laundry room, a one-story warehouse; the first employees had to do the layout by hand, using pica poles as straight edges.

During the first few months, the writers translated and recycled previously published stories from Indonesian media, which were later picked up by foreign wire services. Original reporting was rare as the editors at first did not want to deal with the censorship of Suharto's New Order government.

During the early years of publication, The Jakarta Post had difficulty attracting advertisers, to the point that some editions ran without ads. However, circulation increased dramatically, from 8,657 in 1983 to 17,480 in 1988. Although it was originally hoped that the paper would begin to turn a profit within the first three years, the recession in the early 1980s led to the start-up funds being depleted.

Eventually, in 1985 the paper took out an interest-free loan and received Rp. 700 million from its owners. After advertising increased, The Jakarta Post was able to turn a profit by 1988, and was considered "one of the most credible newspapers" in Indonesia. (https://en.wikipedia.org/wiki/The_Jakarta_Post)

Url Link to Read Indonesia Jakarta Post English Newspaper: https://www.thejakartapost.com

Kamis, 29 Februari 2024

Vidio A Success Story from Indonesia's Startup Scene

World Team Februari 29, 2024 Comment

Nesianetwork.id - In the bustling landscape of Indonesia's startup ecosystem, Vidio has emerged as a shining example of success. Founded in 2014 by CEO Dimas Surya Yaputra, Vidio has rapidly grown to become one of the leading streaming platforms in Southeast Asia, offering a wide array of content ranging from local shows to international blockbusters. So, what exactly led to Vidio's remarkable journey to success?

Identifying a Gap in the Market, Vidio capitalized on the growing demand for online streaming services in Indonesia. Recognizing the lack of a comprehensive platform offering both local and international content, Vidio positioned itself as the go-to destination for Indonesian viewers.

Diverse Content Catalog, One of Vidio's key strategies was its focus on providing diverse content catering to the preferences of Indonesian audiences. From movies and TV shows to live sports events and original productions, Vidio ensured there was something for everyone.

Strategic Partnerships, Vidio forged strategic partnerships with local content creators, production houses, and international distributors to enrich its content library. These partnerships allowed Vidio to offer exclusive access to popular Indonesian shows and movies, giving it a competitive edge in the market.

User-Centric Approach, Vidio prioritized user experience, offering a seamless and intuitive platform accessible via web and mobile devices. Features such as personalized recommendations, offline viewing, and multiple payment options further enhanced the user experience, driving customer satisfaction and loyalty.

Embracing Technology, Vidio embraced technological advancements to stay ahead of the curve. From implementing AI-driven content recommendations to optimizing streaming quality for various devices and internet speeds, Vidio continuously improved its platform to meet the evolving needs of its users.

Expansion and Growth, Building on its success in Indonesia, Vidio expanded its reach beyond national borders, tapping into the broader Southeast Asian market. This expansion not only increased Vidio's user base but also diversified its revenue streams, further solidifying its position as a regional powerhouse in the streaming industry.

Adaptability and Innovation, Vidio remained agile and adaptive in a rapidly changing market environment. By constantly innovating and introducing new features, such as interactive live streaming and original content production, Vidio stayed relevant and continued to attract and retain users amidst growing competition.

Community Engagement, Vidio actively engaged with its user community through social media, feedback channels, and interactive features, fostering a sense of belonging and loyalty among its audience. This two-way communication not only strengthened Vidio's relationship with its users but also provided valuable insights for product development and content curation.

Vidio's success story is a testament to the potential of Indonesia's startup ecosystem and the vision of its founders. By identifying market gaps, embracing technology, prioritizing user experience, and fostering strategic partnerships, Vidio has not only carved a niche for itself in the highly competitive streaming industry but has also become a beacon of inspiration for aspiring startups in Indonesia and beyond. As Vidio continues to innovate and expand its footprint, it stands poised to shape the future of digital entertainment in Southeast Asia.

Journey to Success, Traveloka Indonesia's Trailblazing Startup

World Team Februari 29, 2024 Comment

Nesianetwork.id - In the bustling landscape of Southeast Asia's tech industry, Traveloka has emerged as a beacon of innovation and success. What began as a humble startup in Indonesia has now evolved into a regional powerhouse, revolutionizing the way people travel and book accommodations. Let's delve into the remarkable journey of Traveloka, tracing its origins, milestones, and the factors that have contributed to its phenomenal success.

Traveloka was founded in 2012 by a group of Indonesian entrepreneurs, Ferry Unardi, Derianto Kusuma, and Albert Zhang. Recognizing the untapped potential in Indonesia's burgeoning travel market, they set out to create a platform that would simplify the process of booking flights and accommodations. Armed with ambition, vision, and a drive to innovate, the trio embarked on their entrepreneurial journey.

In a region where traditional travel agencies dominated the market, Traveloka introduced a disruptive concept: an online platform that allowed users to book flights, hotels, and other travel services seamlessly. By leveraging technology and user-friendly interfaces, Traveloka provided convenience and accessibility to travelers, challenging the status quo of the industry.

Fuelled by early success and positive feedback, Traveloka rapidly expanded its services beyond Indonesia's borders. It ventured into neighboring markets such as Malaysia, Thailand, Vietnam, and the Philippines, catering to the diverse needs of travelers across Southeast Asia. This strategic expansion propelled Traveloka into the regional spotlight, cementing its position as a leading player in the travel tech sector.

One of Traveloka's key strengths lies in its relentless pursuit of innovation and adaptability. Over the years, the company has continually introduced new features and enhancements to its platform, staying ahead of evolving consumer trends and preferences. From mobile app developments to loyalty programs and personalized recommendations, Traveloka has remained agile in responding to the dynamic demands of the market.

Traveloka's ascent to success has been further propelled by strategic partnerships and investments from notable industry players. Collaborations with airlines, hotel chains, and other travel providers have enabled Traveloka to offer a comprehensive range of services to its users. Additionally, investments from prominent venture capital firms have provided the financial backing needed to fuel the company's growth and expansion plans.

Like any startup journey, Traveloka has faced its fair share of challenges along the way. Economic uncertainties, regulatory hurdles, and intense competition have tested the resilience of the company. However, through strategic decision-making, agility, and a steadfast commitment to its vision, Traveloka has navigated these challenges and emerged stronger than ever.

As Traveloka continues to scale new heights, the company remains focused on its mission to empower travelers and enhance their experiences. With an eye towards the future, Traveloka is poised to explore new markets, embrace emerging technologies, and further diversify its product offerings. Through innovation, collaboration, and a relentless pursuit of excellence, Traveloka is set to redefine the landscape of travel tech in Southeast Asia and beyond.

In conclusion, Traveloka's success story serves as a testament to the entrepreneurial spirit and innovation that thrive in Indonesia's tech ecosystem. From its humble beginnings to its current stature as a regional giant, Traveloka has demonstrated the transformative power of vision, determination, and adaptability. As it continues to chart new territories and inspire the next generation of startups, Traveloka stands as a shining example of Indonesian ingenuity and excellence in the global tech arena.

The Success Story of Tokopedia From Indonesian Startup to E-Commerce Giant

World Team Februari 29, 2024 Comment

Nesianetwork.id - In recent years, Tokopedia has emerged as a shining example of Indonesia's prowess in the tech startup scene. What began as a humble idea in 2009 has blossomed into one of Southeast Asia's leading e-commerce platforms, revolutionizing the way Indonesians shop and do business online.

Tokopedia was founded by William Tanuwijaya and Leontinus Alpha Edison, two friends with a vision to empower small businesses and entrepreneurs across Indonesia by providing them with a platform to sell their products online. Fueled by their passion and determination, they launched Tokopedia in 2009, during a time when e-commerce was still in its infancy in the country.

Like any startup journey, Tokopedia encountered numerous challenges along the way. From building trust among users to navigating Indonesia's diverse and complex market landscape, the road to success was far from smooth. However, Tanuwijaya and Edison remained resilient, continuously adapting and innovating to overcome obstacles.

Despite the challenges, Tokopedia experienced rapid growth in its early years, attracting both users and investors alike. Its commitment to providing a seamless and secure online shopping experience resonated with consumers, propelling the platform to become one of the largest e-commerce players in Indonesia.

A key factor in Tokopedia's success has been its relentless focus on innovation. The company has continuously introduced new features and services to enhance the user experience, from secure payment systems to AI-powered recommendation engines. Additionally, Tokopedia has adapted to the evolving needs of its users, expanding its offerings to include everything from groceries to financial services.

Tokopedia's success goes beyond just financial gains; it has had a profound impact on the Indonesian economy. By providing a platform for small businesses to thrive, Tokopedia has helped create jobs, stimulate economic growth, and empower countless entrepreneurs across the archipelago.

Today, Tokopedia is not only a household name in Indonesia but also gaining recognition on the global stage. Its innovative approach to e-commerce has garnered attention from investors worldwide, leading to strategic partnerships and investments from tech giants such as Alibaba and SoftBank.

As Tokopedia continues to expand its reach and offerings, the future looks bright for the Indonesian tech unicorn. With a growing user base and a commitment to innovation, Tokopedia is well-positioned to solidify its position as a leading player in the global e-commerce landscape.

In conclusion, Tokopedia's journey from a small startup to a tech giant is a testament to the power of entrepreneurship, innovation, and perseverance. By staying true to its mission of empowering businesses and driving economic growth, Tokopedia has not only transformed the way Indonesians shop but also inspired a new generation of entrepreneurs across the region.

Gojek The Trailblazing Success Story from Indonesia

World Team Februari 29, 2024 Comment

Nesianetwork.id - In the bustling landscape of Southeast Asia's startup ecosystem, Gojek emerges as a beacon of innovation and resilience. Founded in 2010 by Nadiem Makarim, Kevin Aluwi, and Michaelangelo Moran, Gojek started as a modest ride-hailing service in Jakarta, Indonesia. However, fueled by visionary leadership, strategic expansion, and a commitment to solving everyday problems, Gojek rapidly evolved into a multi-service platform, revolutionizing the way millions of people live, work, and commute across the region.

Gojek's journey began with the simple idea of addressing Jakarta's notorious traffic congestion by providing motorcycle taxi services. This innovative approach not only offered an affordable and efficient transportation solution but also created income opportunities for thousands of motorcycle drivers, commonly known as "ojeks."

Recognizing the potential to offer more than just ride-hailing, Gojek strategically diversified its services. It expanded into food delivery, courier services, digital payments, and even launched lifestyle services like beauty, cleaning, and massage. This diversification not only enhanced user convenience but also solidified Gojek's position as a super-app, catering to various aspects of daily life.

At the core of Gojek's success lies its relentless focus on technological innovation. The company continuously leverages data analytics, machine learning, and AI-driven algorithms to optimize its services, enhance user experiences, and streamline operations. From dynamic pricing to route optimization, Gojek's tech-driven approach ensures efficiency and reliability across its platform.

Beyond its commercial success, Gojek remains deeply committed to creating positive social impact. The platform has empowered millions of micro-entrepreneurs, including drivers, merchants, and service providers, by providing them with access to a broader market and financial opportunities. Moreover, Gojek's inclusive approach has bridged socioeconomic gaps, providing affordable services to underserved communities and fostering economic inclusion.

Gojek's journey has not been without its challenges. From regulatory hurdles to fierce competition, the company has faced numerous obstacles along the way. However, its ability to adapt, innovate, and forge strategic partnerships has enabled it to navigate these challenges and emerge stronger than ever.

Gojek's success has garnered international acclaim, positioning it as one of the most prominent tech unicorns in Southeast Asia. The company has attracted significant investments from global tech giants and venture capitalists, further fueling its expansion beyond Indonesia's borders. Today, Gojek operates in multiple countries across Southeast Asia, serving millions of users and revolutionizing the region's digital economy.

As Gojek continues to innovate and expand, its future appears promising. The company remains committed to its mission of improving the lives of people across Southeast Asia through technology. With new ventures such as financial services, healthcare, and logistics on the horizon, Gojek is poised to reshape industries, drive economic growth, and empower communities for years to come.

Gojek's remarkable success story exemplifies the transformative power of technology, entrepreneurship, and social impact. From its humble beginnings as a ride-hailing service to becoming a multi-service super-app, Gojek has revolutionized the way people live, work, and connect in Southeast Asia and beyond. As the company continues to innovate and expand its reach, its journey serves as an inspiration to aspiring entrepreneurs and tech enthusiasts worldwide.

Exploring the Success of Jacob Rothschild, A Modern Icon of Wealth and Philanthropy

World Team Februari 29, 2024 Comment

Nesianetwork.id - In the echelons of global finance and philanthropy, few names resonate with as much gravitas as Jacob Rothschild. Born into one of the wealthiest and most influential families in history, Rothschild has carved out a remarkable legacy of his own, blending astute business acumen with a deep commitment to philanthropy and social responsibility. This article delves into the life, career, and success of Jacob Rothschild, shedding light on the factors that have shaped his journey and the enduring impact he has had on the world stage.

Jacob Rothschild was born on April 29, 1936, into the illustrious Rothschild banking dynasty, which traces its origins back to Mayer Amschel Rothschild in the late 18th century. Raised in a family steeped in tradition and finance, he received a world-class education at Eton College and Christ Church, Oxford. These formative years instilled in him a strong sense of duty, coupled with a thirst for knowledge and excellence.

Rothschild's entry into the world of finance was marked by his tenure at N M Rothschild & Sons, the family's banking business. He quickly rose through the ranks, demonstrating a keen intellect and a knack for strategic decision-making. In 1980, he founded J. Rothschild Assurance Group, a pioneering insurance company that became a cornerstone of his financial empire.

Throughout his career, Rothschild has been a shrewd investor, navigating complex markets with aplomb. His ventures span a wide array of industries, from finance and mining to agriculture and technology. Through his investment vehicle, RIT Capital Partners plc, he has amassed a diverse portfolio of assets, generating substantial wealth for himself and his investors.

Beyond his success in the financial realm, Jacob Rothschild is perhaps equally renowned for his philanthropic endeavors. He has long been a champion of causes related to education, healthcare, and the arts, channeling his resources towards initiatives that promote social progress and cultural enrichment.

Rothschild's philanthropic footprint extends across the globe, with contributions to numerous charitable organizations and institutions. His support for educational initiatives, such as scholarships and research grants, has empowered countless individuals to pursue their academic and intellectual aspirations. Likewise, his patronage of the arts has helped preserve and promote cultural heritage for future generations to appreciate and enjoy.

As Jacob Rothschild approaches his twilight years, his legacy looms large, encompassing not only his remarkable financial success but also his enduring commitment to philanthropy and social responsibility. He stands as a beacon of inspiration for aspiring entrepreneurs and altruists alike, showcasing the transformative power of wealth when wielded with integrity and compassion.

In a world grappling with economic inequality and social injustice, the example set by Jacob Rothschild serves as a potent reminder of the potential for positive change when individuals of means dedicate themselves to the greater good. Through his tireless efforts and unwavering dedication, he has left an indelible mark on the tapestry of human history, enriching the lives of countless individuals and leaving a legacy that will endure for generations to come.

Despite his unparalleled success and philanthropic efforts, Jacob Rothschild has not been immune to criticism and controversy. The Rothschild family's immense wealth and influence have often been the subject of speculation and conspiracy theories, fueling mistrust and skepticism in certain circles. Accusations of undue political influence and economic manipulation have dogged the family for generations, though evidence to substantiate such claims remains elusive.

Moreover, Rothschild's business dealings have occasionally drawn scrutiny from regulatory authorities and watchdog groups. Allegations of market manipulation and conflicts of interest have surfaced over the years, prompting inquiries and investigations into his financial activities. While Rothschild has vehemently denied any wrongdoing, these incidents have cast a shadow over his otherwise sterling reputation.

As the global landscape evolves, Jacob Rothschild has demonstrated a remarkable ability to adapt and thrive in the face of uncertainty. In an era marked by technological disruption and geopolitical upheaval, he has remained at the forefront of innovation, leveraging his vast resources and expertise to capitalize on emerging opportunities.

Rothschild's investment strategy reflects a keen understanding of macroeconomic trends and geopolitical dynamics, allowing him to anticipate market shifts and position himself accordingly. Whether it be navigating the complexities of Brexit or navigating the challenges of the COVID-19 pandemic, he has exhibited a steady hand and a deft touch in steering his financial empire through turbulent waters.

As Jacob Rothschild enters the twilight of his illustrious career, the question of succession looms large. With no clear heir apparent, speculation abounds regarding the future direction of the Rothschild dynasty. Will the next generation uphold the family's legacy of wealth and philanthropy, or will they forge their own path in an increasingly interconnected world?

Regardless of what the future may hold, one thing remains certain: the impact of Jacob Rothschild's life and legacy will endure for generations to come. From his pioneering efforts in finance to his unwavering commitment to philanthropy, he has left an indelible mark on the world stage, inspiring countless individuals to strive for excellence and to make a positive difference in the world. As history continues to unfold, the Rothschild name will stand as a testament to the power of vision, perseverance, and compassion in shaping the course of human destiny.

Jacob Rothschild, a wealthy financier, patron of the arts and philanthropist with close ties to Israel, who broke with his family’s fabled banking dynasty at a time of radical change in the world of high finance, has died. He was 87.

His death was announced on Monday by the Rothschild Foundation, a British charity of which he was the chairman. It did not specify when or where he died or give the cause of death. (https://www.nytimes.com/2024/02/26/business/jacob-rothschild-dead.html)

Minggu, 25 Februari 2024

Analysis of the reasons why rice prices are expensive and scarce in Indonesia

World Team Februari 25, 2024 Comment

Nesianetwork.id - 25/02/2024. In recent weeks, many netizens have complained about rising rice prices and limited purchases due to scarce stocks. There were allegations of shortages and rising prices of rice because a lot of it was bought up by politicians as social assistance ahead of the election, however, without intending to defend the government, the phenomenon of rising rice prices and reduced stocks in markets is part of a global domino effect, let's analyze it.

India, as one of the largest rice exporters in the world, has restricted its exports for three months. Not because demand is decreasing, in fact there is more demand. However, this policy must be taken to protect domestic needs and domestic production which is not as large as usual.

Apart from world needs which always increase as the number of people increases, the scarcity of stock in the world is influenced by several reasons, namely:

1. Natural conditions

The effects of global warming are real, the weather has become unpredictable in the last year, we have experienced high temperatures and long dry seasons. This has a big impact on agricultural products, especially rice, whose growth requires a stable water supply. For several areas that rely on rainwater for irrigation, it is clear that production will be disrupted and this phenomenon does not only occur in Indonesia but throughout the world.

Unfortunately, when the rainy season arrives with heavy rainfall, many rice fields are flooded. Just mention the Demak area which had a flash flood yesterday, you can estimate that many rice fields will fail to harvest.

2. Productive rice fields are narrowing

If you have noticed that in the last few years many rice fields have become houses and settlements, there are many factors why farmers are willing to sell their fields and become housing, but what is certain is that this land conversion will reduce the amount of paddy and rice production.

3. High production costs

To produce grain and rice, farmers now have to spend more capital on seeds, fertilizer, pesticides and the wages of agricultural laborers are increasing. Unfortunately, when the harvest season arrives, it is not uncommon for the government to open the taps for rice imports, causing the selling price of local farmers' grain to plummet and their profits to become thinner.

4. Geopolitical conditions and distribution chains

Conflicts and wars that occur in various countries have more or less affected production and distribution chains. Logistics costs are increasingly expensive and goods are increasingly difficult to supply.

That's all our post this time about Analysis of the Reasons Why Rice Prices Are Expensive and Rare in Indonesia, maybe you have other opinions, you can share them in the comments column. Hopefully it's useful see you.

Source: wirausahanesia.com