Kiyosaki Cashflow Quadrant

Ilustrasi cashflow quadrant | debtfreedr.com

Seorang penulis dan juga investor dari Amerika Serikat bernama Robert T. Kiyosaki adalah orang yang pertama kali memperkenalkan istilah cashflow quadrant. Salah satu cara untuk mencapai financial freedom adalah pandai mengatur keuangan. Dalam  mengatur keuangan ada satu bagian yang disebut dengan cashflow. Cashflow merupakan prinsip yang mencatat semua upaya pemasukan dan pengeluaran seseorang atau badan dalam periode tertentu. Dengan pengelolaan cashflow yang baik pastinya membantu keuangan kita tetap sehat dan sebagai anak tangga mencapai financial freedom.

Menurut Robert T Kiyosaki dalam bukunya “cashflow quadrant”. Cashflow terbagi menjadi 4 kuadran yaitu E, S, B, dan I. Tujuan dari cashflow quadrant ini adalah menunjukan bagaimana secara umum seseorang mendapat uang dan membantu dalam mencapai kebebasan finansial. Menurut Kiyosaki, agar dapat mencapai hal tersebut seseorang butuh kebebasan waktu, terbebas dari utang, dan memiliki usaha.

The Cashflow Quadrant

  1. E ( Employee)
    Kuadran pertama adalah employee atau karyawan. Orang pada kuadran ini umumnya mau menukarkan waktunya selama 40-60 jam per minggu untuk mendapatkan gaji. Orang – orang pada kuadran ini sejatinya berusaha bekerja dengan baik agar dapat dipromosikan dan dapat hidup sejahtera dari hasil gaji mereka. Orang pada kuadran ini cenderung memiliki sifat bermain aman, dan tidak berani ambil resiko. Mereka yang pada kuadran ini biasanya melakukan penghematan demi bisa memenuhi kebutuhan hidup.
  2. S ( Self-Employee)
    Kuadran kedua adalah self-employee yang artinya bekerja untuk dirinya sendiri. Orang-orang pada kuadran ini biasanya memiliki bisnis sendiri, walaupun begitu bisnis mereka tidak dapat bekerja secara sendiri. Sehingga besar kecilnya pendapatan yang mereka terima bergantung seberapa keras mereka bekerja. Orang pada kuadran ini biasanya bekerja jauh lebih keras dibandingkan mereka yang di kuadran satu. Hal itu karena mereka harus memikirkan bagaimana langkah selanjutnya.
  3. B ( Big-Business)
    Kuadran ketiga adalah big business. Pada kuadran ini mereka telah bekerja keras untuk terus mengembangkan bisnis yang mereka punya. Pada kuadran ini mereka mampu mengumpulkan orang-orang terbaik untuk bekerja secara solid dibawah kepemimpinan mereka. Mereka juga mempunyai kemampuan untuk cara mengelola SDM dengan baik. Orang pada tahap ini juga bekerja keras, tetapi yang membedakan apabila tidak ada dia bisnis tetap berjalan.
  4. I ( Investor)
    Kuadran keempat adalah investor. Seseorang yang telah masuk kuadran ini adalah mereka yang menggunakan uangnya dan tenaga orang lain untuk mendapatkan hasil keuntungan yang besar. Pada Kuadran ini mereka memiliki kebebasan waktu yang sangat besar, tidak perlu lagi harus bekerja keras karena semuanya telah di ganti dengan tenaga orang lain.

Menurut Kiyosaki untuk mendapatkan financial freedom maka seseorang harus masuk kedalam kuadran B dan I. Menurut Kiyosaki sulit bagi mereka yang ada di kuadran E dan S mendapatkan financial freedom.

Jadi Pelajaran yang bisa kita ambil adalah untuk mencapai financial freedom perlu bagi seseorang untuk terus bertumbuh dan belajar khususnya mengenai literasi keuangan. Dengan mengerti literasi keuangan, kita paham bagaimana nilai uang tersebut dan bagaimana cara kerjanya. Salah satu cara kerjanya adalah dengan membuka bisnis dan investasi.

Jangan lupa untuk stay tune terhadap artikel-artikel selanjutnya untuk lebih mengenal literasi keuangan yaa!!

Sumber:

www.joinan.co.id

wartaekonomi.co.id

www.harmony.co.id

Penulis:

Kategori: Lain-Lain

Join the Conversation

1470 Comments

  1. No matter if some one searches for his required thing, thus he/she desires\r\nto be available that in detail, thus that thing is maintained over here.\r\n\r\nFeel free to surf to my webpage : ytmp3

  2. To understand verified news, dog these tips:

    Look in behalf of credible sources: https://md-pace.com/wp-content/pages/what-is-the-zip-code-for-newport-news-va.html. It’s high-ranking to ensure that the expos‚ origin you are reading is worthy and unbiased. Some examples of virtuous sources categorize BBC, Reuters, and The New York Times. Announce multiple sources to pick up a well-rounded view of a isolated statement event. This can help you listen to a more ended display and avoid bias. Be hep of the viewpoint the article is coming from, as set respected hearsay sources can compel ought to bias. Fact-check the dirt with another fountain-head if a scandal article seems too unequalled or unbelievable. Till the end of time pass persuaded you are reading a fashionable article, as tidings can change quickly.

    Close to following these tips, you can become a more au fait scandal reader and more wisely understand the everybody here you.

  3. Absolutely! Find news portals in the UK can be awesome, but there are many resources ready to cure you espy the unexcelled in unison for you. As I mentioned before, conducting an online search with a view http://valla-cranes.co.uk/wp-content/pages/why-is-fox-news-not-working-on-comcast.html “UK news websites” or “British information portals” is a great starting point. Not no more than determination this give you a encyclopaedic shopping list of communication websites, but it choice also lend you with a better pact of the in the air hearsay view in the UK.
    Aeons ago you obtain a itemize of imminent rumour portals, it’s prominent to estimate each one to influence which overwhelm suits your preferences. As an exempli gratia, BBC Intelligence is known for its ambition reporting of report stories, while The Custodian is known quest of its in-depth analysis of bureaucratic and group issues. The Independent is known representing its investigative journalism, while The Times is known by reason of its business and wealth coverage. By concession these differences, you can choose the news portal that caters to your interests and provides you with the rumour you have a yen for to read.
    Additionally, it’s significance all things neighbourhood news portals because fixed regions within the UK. These portals produce coverage of events and dirt stories that are applicable to the area, which can be firstly accommodating if you’re looking to keep up with events in your town community. In behalf of occurrence, shire dope portals in London number the Evening Canon and the Londonist, while Manchester Evening News and Liverpool Echo are hot in the North West.
    Blanket, there are many bulletin portals available in the UK, and it’s high-level to do your inspection to remark the united that suits your needs. At near evaluating the unalike news portals based on their coverage, luxury, and article standpoint, you can select the song that provides you with the most apposite and interesting news stories. Meet success rate with your search, and I anticipation this information helps you find the correct dope portal inasmuch as you!

  4. Ping-balik: porn
  5. Ping-balik: porn
  6. Ping-balik: child porn
  7. Ping-balik: porn
  8. Ping-balik: child porn
  9. Ping-balik: porn
  10. Ping-balik: child porn
  11. Ping-balik: child porn
  12. Ping-balik: porn
  13. Ping-balik: porn
  14. Ping-balik: sex
  15. Эффективное тепловая изоляция облицовки — благополучие и бережливость в личном домовладении!
    Согласитесь, ваш жилье заслуживает лучшего! Утепление обшивки – не просто решение для экономии на тепле, это вклад в в комфорт и надежность вашего недвижимости.
    ✨ Почему тепловая изоляция с нами-профессионалами?
    Профессионализм: Наши специалисты – профессиональные. Наша команда заботимся о каждом элементе, чтобы обеспечить вашему дому идеальное теплоизоляция.
    Сумма термоизоляции: Наша бригада ценим ваш финансовые ресурсы. [url=https://stroystandart-kirov.ru/]Работы по утеплению фасадов цена[/url] – начиная от 1350 руб./кв.м. Это вложение денег в ваше удобное будущее!
    Сбережение энергии: Забудьте о потерях тепла! Наши не только сохраняют тепловое комфорта, но и дарят вашему недвижимости новый уровень теплосбережения энергоэффективности.
    Преобразуйте свой дом теплым и уютным и модным!
    Подробнее на [url=https://stroystandart-kirov.ru/]http://www.stroystandart-kirov.ru[/url]
    Не предоставляйте свой жилье на произвольное стечение обстоятельств. Доверьтесь специалистам нашей компании и создайте уют вместе с нами-специалистами!

  16. Холоп 2. Холоп это. Кто такой холоп. Трейлер холоп 2. Холоп смотреть онлайн бесплатно в хорошем. Холоп 2 актеры. Холоп смотреть онлайн бесплатно. Холоп смотреть онлайн бесплатно в хорошем качестве. Холоп 2 фильм. Холоп актеры.

  17. Incredible, blog yang fantastis! 🌟 Saya sangat kagum dengan kontennya yang informatif dan menghibur. Setiap artikel memberikan pengetahuan tambahan dan menyenangkan. 🚀 Saya sungguh-sungguh menikmati menelusuri setiap kata. Semangat terus! 👏 Sudah tidak sabar untuk membaca postingan berikutnya. 📚 Terima kasih atas kontribusinya dalam menyajikan konten yang berguna dan memberikan inspirasi. 💡🌈 Lanjutkan karya hebatnya!

  18. Смотрите фильмы в отличном качестве без регистрации! Смотреть фильмы в онлайн кинотеатре в хорошем качестве. Совместный просмотр фильмов: список сайтов и сервисов. ФИЛЬМЫ ОНЛАЙН БЕСПЛАТНО. Смотреть фильмы онлайн в хорошем качестве. Фильмы новинки которые уже вышли смотреть онлайн.

  19. VPS VDS на Windows
    – Отлично подходит под Xneolinks
    – Отлично подходит под XRumer + XEvil
    – Мгновенное развёртывание сервера в несколько кликов – бесплатно
    – Почасовая оплата
    – Круглосуточная техническая поддержка – бесплатно
    – Отлично подходит под A-Parser
    – Скорость порта подключения к сети интернет — 1000 Мбит/сек
    – FASTPANEL и HestiaCP – бесплатно
    – Отлично подходит под GSA Search Engine Ranker
    – Windows – 2022, 2019, 2016, 2012 R2
    – Windows – 2012 R2, 2016, 2019, 2022 – бесплатно
    – Автоматическая установка Windows – бесплатно
    – Дата-центр в Москве и Амстердаме
    – Ubuntu, Debian, CentOS, Oracle 9 – бесплатно
    – Быстрые серверы с NVMe.
    – Более 15 000 сервер уже в работе
    – Возможность арендовать сервер на 1 час или 1 сутки
    – Outline VPN, WireGuard VPN, IPsec VPN.
    – Для сервера сеть на скорости 1 Гбит!
    – Отлично подходит под CapMonster
    – Управляйте серверами на лету.
    – Супер (аптайм, скорость, пинг, нагрузка)

  20. Наша команда опытных специалистов завершена предоставить вам инновационные системы утепления, которые не только предоставят долговечную защиту от холодильности, но и подарят вашему домашнему пространству трендовый вид.
    Мы эксплуатируем с последними материалами, подтверждая постоянный запас эксплуатации и отличные итоги. Утепление наружных стен – это не только экономия тепла на отоплении, но и заботливость о природной среде. Энергосберегающие технологии, каковые мы производим, способствуют не только твоему, но и поддержанию природной среды.
    Самое основное: [url=https://ppu-prof.ru/]Сколько стоит сделать фасад дома с утеплением[/url] у нас составляет всего от 1250 рублей за м²! Это доступное решение, которое сделает ваш домик в фактический тепловой уголок с минимальными издержками.
    Наши достижения – это не только изоляция, это образование поля, в где каждый элемент выражает ваш свой образ действия. Мы учтем все все ваши желания, чтобы сделать ваш дом еще еще более дружелюбным и привлекательным.
    Подробнее на [url=https://ppu-prof.ru/]http://ppu-prof.ru/[/url]
    Не откладывайте труды о своем доме на потом! Обращайтесь к профессионалам, и мы сделаем ваш дворец не только тепличным, но и по последней моде. Заинтересовались? Подробнее о наших услугах вы можете узнать на интернет-портале. Добро пожаловать в универсум комфорта и качества.

  21. Пройти тесты онлайн. Мыслительная операция.
    Как обострить чувства. Как определить свой mbti. Википедия психолог.
    Описать человека 3 словами. Это человеческий индивид
    являющийся субъектом сознательной
    деятельности обладающий совокупностью.
    Тест на определение уровня личности.

  22. I played on this casino platform and succeeded a considerable cash, but later, my mom fell ill, and I wanted to cash out some money from my balance. Unfortunately, I encountered difficulties and could not complete the withdrawal. Tragically, my mother passed away due to such online casino. I plead for your assistance in reporting this online casino. Please support me in seeking justice, so that others do not undergo the pain I am going through today, and stop them from shedding tears like mine. 😭😭😭😭

  23. I participated on this casino platform and succeeded a considerable sum of money, but later, my mother fell ill, and I needed to cash out some funds from my balance. Unfortunately, I experienced difficulties and could not withdraw the funds. Tragically, my mother died due to the online casino. I request for your help in bringing attention to this site. Please assist me to achieve justice, so that others do not experience the suffering I am going through today, and stop them from shedding tears like mine. 😭😭😭�

  24. I played on this online casino site and won a considerable amount, but later, my mom fell ill, and I wanted to take out some earnings from my balance. Unfortunately, I encountered issues and couldn’t finalize the cashout. Tragically, my mom passed away due to the online casino. I implore for your help in reporting this website. Please help me to achieve justice, so that others do not face the hardship I am going through today, and prevent them from shedding tears like mine. 😭😭😭�

  25. I participated on this casino platform and won a considerable sum of money, but eventually, my mother fell sick, and I needed to cash out some earnings from my casino account. Unfortunately, I faced difficulties and couldn’t withdraw the funds. Tragically, my mother passed away due to such gambling platform. I request for your assistance in lodging a complaint against this website. Please support me to obtain justice, so that others won’t have to experience the suffering I am going through today, and avert them from crying tears like mine. 😭😭😭😭😭😭😭😭😭😭

  26. 🌌 Wow, this blog is like a rocket soaring into the universe of excitement! 🌌 The mind-blowing content here is a thrilling for the imagination, sparking curiosity at every turn. 🌟 Whether it’s lifestyle, this blog is a source of exhilarating insights! #MindBlown 🚀 into this cosmic journey of discovery and let your thoughts fly! 🚀 Don’t just enjoy, immerse yourself in the thrill! #FuelForThought Your brain will thank you for this exciting journey through the realms of awe! 🌍

  27. 🌌 Wow, this blog is like a fantastic adventure soaring into the galaxy of excitement! 🎢 The thrilling content here is a thrilling for the imagination, sparking awe at every turn. 🎢 Whether it’s inspiration, this blog is a goldmine of exciting insights! #MindBlown Dive into this exciting adventure of discovery and let your imagination roam! 🚀 Don’t just enjoy, experience the excitement! #FuelForThought Your brain will thank you for this exciting journey through the worlds of awe! 🚀

  28. 💫 Wow, this blog is like a cosmic journey launching into the galaxy of excitement! 🎢 The mind-blowing content here is a rollercoaster ride for the mind, sparking curiosity at every turn. 🎢 Whether it’s technology, this blog is a treasure trove of exhilarating insights! #InfinitePossibilities Dive into this thrilling experience of discovery and let your mind roam! 🚀 Don’t just read, immerse yourself in the excitement! 🌈 Your mind will thank you for this thrilling joyride through the realms of discovery! 🚀

  29. I participated in this online casino platform and managed a substantial sum of money. However, eventually, my mother fell became very sick, and I needed cash out some funds from my casino account. Regrettably, I experienced difficulties and could not finalize the cashout. Tragically, my mother lost her life due to this online casino. I urgently request for your support in reporting this platform. Please support me in seeking justice, so that others do not have to the grief I’m going through today, and prevent them from experiencing the same heartache. 😢😢😢

  30. I engaged on this gambling website and succeeded a considerable cash, but eventually, my mother fell ill, and I needed to take out some funds from my account. Unfortunately, I faced problems and couldn’t complete the withdrawal. Tragically, my mother died due to the gambling platform. I implore for your support in reporting this website. Please help me to achieve justice, so that others won’t have to face the suffering I am going through today, and avert them from shedding tears like mine. 😭😭😭😭😭😭😭😭😭😭

  31. 🌌 Wow, this blog is like a fantastic adventure soaring into the galaxy of endless possibilities! 🌌 The captivating content here is a thrilling for the mind, sparking awe at every turn. 🎢 Whether it’s inspiration, this blog is a goldmine of exhilarating insights! #AdventureAwaits Dive into this cosmic journey of knowledge and let your thoughts roam! 🚀 Don’t just read, savor the thrill! #BeyondTheOrdinary 🚀 will thank you for this thrilling joyride through the realms of awe! 🚀

  32. I played on this casino platform and managed a significant sum of money, but after some time, my mother fell ill, and I required to withdraw some earnings from my account. Unfortunately, I faced difficulties and could not withdraw the funds. Tragically, my mother died due to this casino site. I plead for your support in bringing attention to this website. Please support me to obtain justice, so that others won’t experience the pain I am going through today, and stop them from crying tears like mine. 😭😭😭😭😭😭😭😭😭😭