Energi Perempuan Bermartabat

Titien Agustina

Pembuatan Buku Perempuan dan Investasi, Smart Berinvestasi bagi Perempuan Smart berawal dari beberapa lembaran opini yang ditulis di salah satu media lokal di Banjarmasin, yaitu Kalimantan Post dalam beberapa waktu pada awal 2012 secara tidak kontinyu.

“Selain itu ditambah pula dengan minat saya yang sedang getol ingin belajar main saham. Itu pula memang kondisi keuangan keluarga saya memerlukan cara-cara baru dan smart, bagaimana melalui dana yang terbatas kita bisa memacu peningkatan pendapatan yang lebih baik dari cara berinvestasi konvensional seperti tabungan atau deposito,” kata Dosen Sekolah Tinggi Ilmu Manajemen Indonesia (STIMI) Banjarmasin, Titien Agustina.

 Menurut Ibunda Muhammad Imam Sidik Permana dan Auni Kumaira Putri, ternyata dunia saham disukai karena fluktuasinya yang begitu menantang dan menguji nyali bisnis seseorang. “Sebenarnya buku ini saya targetkan pada April 2012 silam sudah terbit. Namun, karena belum menemukan penerbitnya, akhirnya saya geser ke Agustus 2012. Dalam perjalanannya terjadi mis-komunikasi dengan editor. Sehingga di bulan November 2012  buku ini baru bisa diterbitkan dan saya berharap ini sebagai persembahan terindah saya untuk kaum perempuan Tanah Air yang akan menyambut Peringatan Hari Ibu pada bulan Desember 2012 tadi,” ujar perempuan bersahaja ini.

Harapan Titien, semoga buku ini bermanfaat dan menjadi inspirasi yang mencerahkan kehidupan masa depan Perempuan di Tanah Air. Lalu mengapa penulis yang pernah beberapa kali mendapat penghargaan dalam lomba karya tulis dari tingkat provinsi hingga nasional sejak 1987 hingga 1994 ini, menulis buku dengan judul berfokus pada perempuan?

“Padahal saya sebenarnya tidak membatasi tujuan pembacanya hanya pada perempuan. Karena sesungguhnya siapapun dia, entah perempuan maupun laki-laki adalah sama-sama memerlukan investasi. Karena masa depan adalah sesuatu yang pasti, yang ia akan menyapa siapa saja, perempuan atau laki-laki. Untuk itu setiap orang yang ingin masa depannya memilik kebebasan finansial, tentu dibutuhkan persiapan dana melalui pengelolaan keuangan yang baik, sehat dan mandiri sedini mungkin,” tegasnya.

Namun, mengapa juga dirinya lebih menitik beratkan buku ini pada perempuan untuk berinvestasi? Pertama karena dia ingin memberi penekanan pada kaum perempuan agar memiliki kesadaran dan kebijaksanaan yang baik dalam masalah keuangan pribadi dan keluarganya. Kedua karena dalam kenyataanya, struktur sosial dan kultural masyarakat kita, perempuan lebih sering menempati posisi sub-ordinat. “Sehingga apabila pada perempuan misalnya terjadi atau berlaku bahwa pada kenyataannya ia tidak bekerja di sektor publik. Entah karena memang tidak memiliki kapasitas untuk itu yang mungkin disebabkan oleh pendidikan rendah, dan sebagainya,” ujar Titien.

Atau karena memang komitmen, lanjut dia, dengan pasangan untuk konsen di rumah tangga saja. Sehingga dengan demikian sepenuhnya ia menggantungkan kebutuhan materinya pada laki-laki, suami atau pasangannya.

Apalagi bila seorang perempuan, tuturnya, tidak didukung dengan kompetensi dan skill yang memadai  memungkinkan dia bisa mandiri sebagai pribadi. Tentu bila suatu musibah atau masalah menghampiri dirinya, bisa menyebabkan perempuan jadi terpuruk dan merasa tidak berdaya dalam menghadapi kehidupan ini. “Sehingga bukan tidak mungkin hal-hal yang tidak diinginkan sering kali terjadi, entah pelecehan, ketidak-adilan, ketidak-setaraan gender dll. Perempuan dapat dipastikan jadi “kalang kabut” untuk mengangkat dirinya dan keluarganya agar keluar dari semua persoalan keuangan yang mau tidak mau adalah hal yang pasti akan ia tanggung dan hadapi setiap waktunya,” ujar Ibu yang bermotto “Seorang perempuan memiliki energi yang mengalir ke sekitarnya... Energi inilah yang membuat dia bermartabat.

Untuk itu Titien sangat menekankan pada perempuan untuk smart dan bijak dalam mengelola keuangan pribadinya. Apalagi bagi perempuan pekerja yang memang sudah memiliki sumber pendapatan pribadi sedari muda dan sedini mungkin, tentu akan sangat ideal sekali. “Mengapa saya menyarankan berinvestasi di saham, karena peluang investasi dalam instrumen ini masih sangat terbuka luas dan sangat menggairahkan. Memungkinkan kita bisa masuk dalam berbagai cara dan melakukannya dengan berbagai situasi dan kondisi. Asal sudah melek teknologi saja, maka kelebihan perempuan dalam talentanya yang bisa multi tasking, tentu sangat menguntungkan sekali,” ungkapnya.

Syaratnya, asal mau belajar dan mempertajam instink bisnisnya saja, terutama dalam mengelola psikologi trading-nya, saya kira perempuan bisa sehebat Warren Buffet, sang dedengkot pasar modal atau pemain saham papan atas dunia. Perempuan bisa menjadi investor, namun bila waktu memungkinkan, ia bisa pula sebagai trader. Pilihan ada pada kesempatan, waktu dan kondisi yang dimiliki.

“Awalnya saya memang masuk di salah satu sekuritas yang ada dengan jumlah dana yang minimal sebagaiman disyaratkan waktu membuka rekening efek pertama. Namun setelah mengerti dan mulai memahami, jumlah dana lalu saya tambah sesuai kebutuhan. Tetapi pada kenyataannya karena berbagai kebutuhan, dana saya di rekening efek atau portofolio efek nya keadaannya bisa turun naik,” kata Titien.

Artinya kapan dirinya tambah dan kapan melepas saham-saham yang tidak menguntungkan, sangat tergantung pula dengan kondisi keuangan dan masalah keuangan  masing-masing. “Tetapi saya bisa rekomendasikan bahwa berinvestasi di pasar modal cukup menguntungkan asal  membeli saham yang tepat dan pada waktu yang tepat, serta perhitungan yang smart. Bila tidak tahu masalah fundamental atau teknikalnya, jangan malu bertanya pada Broker-nya,” pungkas perempuan lulusan Pasca Sarjana Jurusan Komunikasi Universitas Pajajaran Bandung.Woel

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