ALL ABOUT DEBT

DEBT, the fact!• Debt gives the illusion of wealth.

True wealth is assets, cash flow and no debt

• Going deeply in debt is a process, the main reason is “IGNORANCE”

Easy credit makes people stupid

Don’t lead your business withyour money, but yr time & skill

Business and Money

Money is not an ingredient of a business, it’s a FUEL

time

revenue

Founders

Inception Growth

Expa

nsio

n

Maturity

investors

bank

IPO, Acquisition

Financing Source

Types of Debt

• Consumer Debt• Investment Debt

Common concept IIBF concept

• Good Debt• Bad Debt

IIBF Definition

• GOOD DebtDebt that You will probably REQUIRED!

• BAD DebtDebt that You have to LEAVE!

The only GOOD DEBT is actual Investment Debt, that pay for itself!

Actual Investment Debt, that no longer can pay for itself is a BAD Debt

Investment Debt

• Never finance long-term assets with shorts-term debt

• Consider to CONSOLIDATE• Take personal guarantee seriously• Understand sharia concept

Tips for Investing Debt

Average people spend higher than that they can make!

43% people Expenses > Income

Consumer Debt

• 33 Banks, 300.000 merchants• Last 4 years growth234%•Transaction Value

Rp. 250 Trillion

CREDIT CARD in Indonesia

• Advertise0%, Actual rates >43%

•With Average 3% per month, if you paid the minimum,

it take44 years to paid OFF!

Beware with your Cards!

When they say 3%, it is not 3%

BECAUSEThey use...!!

Consumer Debt• Consumer Debt designed not to

be PAID OFF

• Using consumer debt as investment debt is a BIG mistake!

• Always has been BAD, Always BAD, Always will be BAD

• Make No Mistake of That!

Attendance Testimonials …

Consumer Debt

Other condition of investment

debt

CAN pay for itself & RIBA

Free Investing Debt

Debt

Good or Bad?

BAD Debt is SLAVERY!!!