Over the past few years, survey after survey has confirmed one thing: Gen Z is under significant financial stress. It’s not just rising living costs, it’s also a digitally driven lifestyle that fuels spending temptations. In the workplace, Gen Z’s financial struggles are far from a purely personal matter. Financial stress can negatively impact job...

In today’s dynamic economic climate, many parents are becoming increasingly aware of the importance of securing their children’s future from an early age. The rising cost of education, the growing complexity of living expenses, and plans like university tuition or business capital make saving for your child not just an option, but a necessity. Yet,...

Starting a business from scratch is no easy feat, especially when faced with the classic challenge: a business loan. Many MSME (Micro, Small, and Medium Enterprises) owners have great products, interesting ideas, and remarkable drive, but struggle to grow due to limited funding. Scaling the business or staying competitive in a dynamic market can be...

The end of the month often becomes a stressful time for many employees. Daily needs continue, but salaries only come once a month. With the rising cost of living and unexpected emergencies that can’t be postponed, many workers borrow money (EWA) or rely on salary advances to get by until payday. However, these traditional methods...

Salary In, Salary Out, Why Does It Always Feel Like That? At the start of the month, you will receive a notification that your salary has landed. For a moment, life feels good. But just a week later, your balance starts to shrink, and you check your bank app more often than usual. If this...

Recently, the internet was buzzing with surprising news: 60% of Coachella 2025 attendees in the U.S. bought their tickets using loans or installment plans. With ticket prices reaching up to IDR 10 million, many were willing to go into debt for a three-day music experience. This reflects a growing global trend: younger generations increasingly rely...

Have you ever felt anxious about dealing with unexpected emergencies, such as paying unexpected hospital bills or repairing a vehicle that suddenly broke down? Sudden financial problems can leave us scrambling for solutions, especially when we lack cash. For companies, directly offering employee advances is no simple task. Administrative hurdles and financial structuring can make...

In today’s fast-paced work environment, burnout and boreout have become common topics in discussions about mental health and productivity. Burnout is caused by excessive work stress, while boreout stems from chronic boredom due to a lack of meaningful tasks. Although different, both can have serious consequences for employees and businesses. So, which one is more...