Arif Widianto

Eid Mubarak Selamat Hari Raya Idul Adha 1447 H

Per Juni 2025, leverage BMRI tercatat 8,44x, tren naik selama 5 tahun. Kenaikan leverage tanda peningkatan pendanaan. Risikonya ruang ekspansi lebih terbatas. Kutipan analisis PT Bank Mandiri (Persero) Tbk yg terbit pada 20 Okt 2025. Disclaimer: bukan nasihat investasi.

Faith in eventually. Making something new takes patience. But it also takes faith. Faith that everything will work out in the end. During the development of most any product, there are always times when things aren’t quite right. Times when you feel like you may be going backwards a bit. Times where it’s almost there, but you can’t yet figure out why it isn’t. Times when you hate the thing today that you loved yesterday. Times when what you had in your head isn’t quite what you’re seeing in front of you. Yet. That’s when you need to have faith. There are designs that are close, but not there yet. There are obvious conflicts that will need to be resolved. There are lingering things that confound you, confuse you, or upset you, but you know that eventually they’ll work themselves out. Eventually you’ll find the right way to do something you’ve been struggling with. It’s hard to live with something that isn’t quite right yet – especially when it’s your job to get it right. It’s important to know when to say “it’s fine for now, but it won’t be fine for later.” Because moving forward is critical to getting somewhere. And, eventually, you’ll figure it all out. It’ll all work out in the end. This is what I’ve always believed, and have always tried to practice. A dedicated faith in the eventual resolution of a problem, the eventual execution of a concept, and the eventual realization of the right design. Even when something’s poking out you don’t like, or something isn’t aligning quite right, or the words aren’t as elegant as you’d hoped, or something just isn’t easy enough yet, you need to have confidence it’ll all come together eventually. Remember that what you’re making is in a perpetual state of almost right up until the end. And it's never right even after. In the meantime, you just press on and keep making things, trying things, and getting closer and closer to the time when you can tie the loose ends into a perfect bow and present it to the world. What fun it is!

✅️ 500% ✅️ 100-200% ✅️ 30%-100% lupa Negatif? ✅️ -20% — -50% hold saja. Paling lama bertahan 5 tahunan minus, biasanya berakhir manis. Investasi saham adalah persoalan keyakinan prinsip, kemantapan keputusan, dan sabar serta punya daya tahan. Dari transaksi tahun 2011

1/ Salah satu indikasi perusahaan yang sehat adalah punya aliran arus kas bebas. Apalagi jika bisa menyalurkan kasnya untuk dividen. Investor tentu senang. 🧵