THR 2026 Management Tips: A 3P Strategy to Weather Global Economic Uncertainty

Sat, 07 Mar 2026, 22:03 WIB | By Putri Rosmalia | Source: MEDIA_INDONESIA | Finance

Global geopolitical uncertainties in 2026 that affect energy and food prices require the public to be wiser in managing finances, including the Hari Raya holiday allowance (THR). A strategic THR allocation is key to maintaining family financial stability and avoiding impulsive, short‑term consumption.

Rista Zwestika CFP WMI, Financial Planner and Otoritas Jasa Keuangan (OJK) Sharia Financial Literacy Ambassador, stresses the importance of heightened vigilance this year. She introduces a practical method called the 3P financial principle: Prioritise, Protect, and Celebrate.

Step one of THR management tips is to set priorities. THR funds should not be treated as “surprise money” for frivolous spending, but as an instrument to complete religious obligations and essential needs.

The use of funds should be prioritised for the following: [the list is not specified in the source; in the dynamic economic environment, a cash buffer is often more important than a lavish lifestyle. Rista recommends households set aside part of the THR to strengthen the emergency fund. “If the emergency fund is not ideal—ideally 6-12 months of income—then part of the THR should indeed be allocated to bolster the emergency fund,” she said.

In addition to cash reserves, she also recommends placing funds in assets with stable value and low risk, such as: [the original piece does not provide explicit assets; this is left implied as low‑risk, stable‑value assets].

The final pillar of the 3P formula is celebration. People are still allowed to use THR for Lebaran 2026 with family, but with the caveat of not overspending. The principle of sufficiency becomes highly relevant to keep the financial condition healthy after the Lebaran holiday period. By applying the 3P formula, it is hoped that households will have greater financial resilience in facing future global uncertainties.

(Sourced by Ant/H-3)

Follow the Ramadan 2026 online shopping trends that rise during suhoor and iftar hours. Get tips for an ideal THR allocation of 20-20-30-30 to keep finances healthy.

Before spending THR, determine a fund allocation for essential needs such as zakat, basic necessities, and debt repayments.

Follow the Ramadan 2026 online shopping trends that rise during suhoor and iftar hours. Get tips for an ideal THR allocation of 20-20-30-30 to keep finances healthy.

Want to share Hampers for Lebaran without breaking the bank? See budget allocation tips for hampers from financial planners so THR remains sustainable and blessed.

MINISTER OF TRANSPORTATION Dudy Purwagandhi instructed his subordinates to consistently carry out roadworthiness checks or ramp checks across modes of transport during the Lebaran 2026 period.

Maritime transport activity ahead of the Lebaran exodus at Sampit Port, Kotawaringin Timur Regency, Central Kalimantan, is expected to be busier this year.

Debt managed such as home ownership loans or low‑interest loans that do not need to be paid immediately, according to Rista, does not always have to be paid using THR funds.

View JSON | Print