{
    "success": true,
    "data": {
        "id": 1594361,
        "msgid": "finance-expert-dont-be-debt-free-yet-run-out-of-money-because-of-the-thr-1772844842",
        "date": "2026-03-07 07:07:00",
        "title": "Finance Expert: Don\u2019t Be Debt-Free Yet Run Out of Money Because of the THR",
        "author": "",
        "source": "VIVA",
        "tags": "bisnis",
        "topic": "Regulation",
        "summary": "Finance expert Rista Zwestika says THR funds can be used to settle debts, prioritising high-cost debts first, but liquidity should be preserved; not every loan type must be repaid with THR. She recommends reserving part of THR as cash reserves to weather economic uncertainty, following a '3Ps' principle: Prioritisation, Protection, and Celebration. The government has issued a circular reinforcing employers' THR obligations for 2026.",
        "content": "<p>Finance expert: Don\u2019t Be Debt-Free Yet Run Out of Money Because of\nthe THR<\/p>\n<p>A financial planner, Rista Zwestika, says the Tunjangan Hari Raya\n(THR) can be used to settle debts, provided that repayments are\nprioritised according to debt type. \u201cI usually use a simple approach.\nExpensive debt vs manageable debt. Expensive debt such as credit cards,\npay later, high-interest consumer loans should be paid off first,\u201d she\nsaid.<\/p>\n<p>Because it can burden finances, paying off expensive debt is advised\nto be prioritised. Debt that is more manageable, such as a mortgage or\nloans with low interest that do not have to be paid immediately,\naccording to Rista, does not always have to be settled using THR\nfunds.<\/p>\n<p>\u201cIt doesn\u2019t always have to be paid off with THR. In uncertain\neconomic conditions, maintaining liquidity is also important. Therefore,\nI often convey the principle, \u2018Don\u2019t be debt-free, but run out of\nmoney\u2019,\u201d Rista stressed.<\/p>\n<p>In uncertain economic conditions, she said, a portion of THR should\nbe set aside as cash reserves to guard against risk.<\/p>\n<p>The government has issued Circular No M\/3\/HK.04.00\/III\/2026 from the\nMinister of Manpower on the Implementation of the Provision of Religious\nHoliday Allowance (THR) for 2026 for workers in companies.<\/p>\n<p>Minister of Manpower Yassierli said that providing THR to workers is\nan obligation that must be fulfilled by employers.<\/p>\n<p>Additionally, Rista offered tips for managing THR amid global\nuncertainty that could affect energy and food prices. In the face of\ngeopolitical uncertainties, society should be more careful in using\nTHR.<\/p>\n<p>\u201cI usually recommend a simple principle: THR equals 3Ps.\nPrioritisation, Protection, and Celebration,\u201d said the OJK (Financial\nServices Authority) Sharia finance literacy ambassador.<\/p>\n<p>She noted that THR usage should prioritise meeting essential needs\nrelated to Eid al-Fitr celebrations, such as paying zakat, homecoming\n(mudik), and meeting family needs during the holiday.<\/p>\n<p>A portion of the THR, she said, should be set aside for an emergency\nfund as part of financial protection.<\/p>\n<p>\u201cIf the emergency fund is not yet ideal with at least 6\u201312 months of\nincome, then part of the THR should be allocated to strengthen the\nemergency fund, because in times of uncertainty, a cash buffer is often\nmore important than a short-term lifestyle,\u201d she explained.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/finance-expert-dont-be-debt-free-yet-run-out-of-money-because-of-the-thr-1772844842",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}