In nearly three decades of serving as a “Financial Doctor” across various industries and scales, I have never once encountered a company that suddenly suffered losses and went bankrupt—NEVER!
There is always a cause and a timeline involved; it begins with four “Profit Bandits” that erode a company’s resources and funds, leading to a decline in profits, competitiveness, and sales, as well as employee demotivation. This sets off a cycle of mounting losses that ultimately results in bankruptcy.
Similarly, having lived for over 65 years, I have never known a country to experience a sudden, causeless multidimensional crisis—NEVER!
It always stems from poor leadership, bad management, and a lack of meritocracy; this fosters rampant corruption, collusion, illicit commissions, and nepotism (KKKN), which undermine legal justice, the welfare of the people, and human dignity. These issues trigger widespread distrust among domestic and international stakeholders, leading to capital flight, stalled Foreign Direct Investment (FDI), ballooning debt and budget deficits, and soaring unemployment and poverty.
What are the consequences and risks?
Look at the sky: if dark clouds gather, accompanied by the occasional rumble of thunder and flashes of lightning, what is bound to happen?
The same applies to what lies ahead for Indonesia’s middle class in particular:
Will they be struck by a disaster that is neither sudden nor without cause?
Or will they enjoy financial security, comfort, and prosperity with their families?
Your choice determines the future for you and your family.
That is why Johanes Lim seeks to help mitigate these risks through a 160-minute course designed specifically for Indonesia’s middle class.
It is for the sake of your financial security and well-being—and that of your family—in the years to come.
Johanes Lim, PhD, CPC, CHt (林泰義)
Financial Doctor and Turnaround Specialist for Family Businesses and The BOD Forum Across ASEAN
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