Sunday, August 2, 2009

Investasi dan Keuangan: Memulai Transaksi Saham

Minggu, 2 Agustus 2009 | 03:04 WIB


Adler Haymans Manurung praktisi keuangan

Pertanyaan pemilik dana adalah bagaimana memulai transaksi saham? Bisakah langsung datang ke bursa untuk membeli saham?

Investor tidak bisa langsung datang ke bursa untuk membeli saham seperti membeli sayur ke pasar. Bursa merupakan lembaga bertransaksi saham melalui broker (perusahaan sekuritas) yang keberadaannya berdasar Undang-Undang Nomor 8 Tahun 1995 tentang Pasar Modal.

Semua transaksi di bursa menggunakan teknologi informasi dan sistem pembayarannya melalui perbankan. Perusahaan sekuritas yang berlisensi sebagai pedagang perantara efek dan anggota bursa yang bisa melakukan transaksi saham.

Anggota bursa adalah perusahaan sekuritas yang memiliki saham di PT Bursa Efek Indonesia (BEI). Saham dimiliki ketika bursa berdiri atau melalui lelang perusahaan lain yang tidak memenuhi syarat menjadi anggota. Perusahaan anggota bursa dapat dilihat di situs BEI dan Badan Pengawas Pasar Modal (Bapepam). Bila bertransaksi melalui perusahaan sekuritas yang bukan anggota bursa, investor harus mencari informasi mengenai aliansinya dengan anggota bursa. Artinya, investor mengetahui dan paham atas transaksi yang dilakukan.

Dengan kata lain, investor harus memilih perusahaan sekuritas dengan lebih cermat agar dana dan saham yang dimiliki jelas keberadaannya.

Perhatikan kriteria perusahaan sekuritas, yaitu pertama, modal setor perusahaan, apakah melebihi modal yang ditentukan Bapepam karena dapat menjadi ukuran likuiditas perusahaan.

Kedua, pemasaran perusahaan sekuritas. Banyaknya pemasar perusahaan juga menunjukkan layanannya kepada investor. Bila jumlahnya sangat sedikit, maka pelayanan akan tidak optimal.

Ketiga, apakah perusahaan mempunyai bagian riset yang bisa diandalkan karena investasi saham dilakukan dengan melihat prospek perusahaan. Untuk itu butuh riset dan perlu pertemuan antara riset analis dengan investor relation perusahaan.

Bila tidak ada bagian riset, investor bisa mendapat informasi gratis melalui www.finansialbisnis.com. Investor harus mencari hasil riset berdasarkan pendekatan fundamental dan teknis.

Keempat, sistem pembayaran transaksi saham antara perusahaan sekuritas dan investor. Saat ini, aturan transaksi saham adalah T+3. Artinya, bila investor membeli saham, maka pembayaran dilakukan tiga hari kemudian dan investor menyerahkan saham bila menjual saham dan mendapatkan dananya.

Perusahaan sekuritas dapat meminta investor membayar pada T+2 dan membayar pada T+4, karena penyelesaian transaksi saham pada T+3 dan perusahaan sekuritas membutuhkan proses. Sebaiknya regulator memecahkan persoalan ini agar investor tidak dirugikan. Sebaiknya, transaksi diselesaikan pada T+1 supaya efisien.

Kelima, kenali manajemen perusahaan sekuritas agar investor bisa berhubungan langsung dengan manajemen bila ada persoalan genting.

Keenam, adakan pertemuan rutin setiap hari atau beberapa kali dalam seminggu untuk menyebarkan informasi. Pertemuan rutin ini sangat penting untuk mengetahui perkembangan perusahaan sehingga keputusan bertransaksi dapat tepat dilakukan.

Ketujuh, apakah perusahaan mempunyai lisensi lain, seperti penjamin emisi atau manajer investasi atau hanya perantara pedagang efek. Adanya lisensi lain juga menunjukkan bonafiditas dan informasi yang dapat diperoleh investor, selain pelayanan akan meningkat.

Membuka rekening

Selanjutnya membuka rekening untuk transaksi saham di perusahaan sekuritas. Investor harus meminta agar rekening investor tercatat di bursa melalui PT Kliring Penjaminan Efek Indonesia dan PT Kustodian Sentral Efek Indonesia. Terdaftarnya rekening di kedua perusahaan itu memberi keuntungan, tidak perlu takut karena transaksi di bursa harus transparan.

Selanjutnya investor harus menunggu untuk mendapat persetujuan bertransaksi. Lama keluarnya persetujuan tergantung hasil penyelidikan terhadap investor karena perusahaan sekuritas harus mengenal investor, sesuai peraturan Bapepam. Umumnya, investor yang mempunyai teman dekat yang telah lama bertransaksi lebih cepat mendapat persetujuan karena ada pihak pemberi informasi bagi perusahaan sekuritas.

Investor lalu bertemu pemasar dan dapat bertanya jawab mengenai saham yang ditransaksikan. Ketika memulai transaksi, investor harus bertanya apakah investor setiap hari memerhatikan transaksi saham atau hanya beberapa saat karena ingin berinvestasi jangka panjang.

Investor dapat memulai dengan membeli satu lot saham (500 saham). Saham yang dibeli cukup dikonsentrasikan 5-10 jenis karena bila lebih akan terjadi kesemrawutan analisis. Tindakan ini untuk merasakan bermain saham dan bila terjadi kerugian jumlahnya tidak besar.

Transaksi satu lot itu dilakukan berkali-kali dalam seminggu untuk membuat denyut jantung terbiasa. Bila sudah yakin bisa mengikuti naik-turunnya harga saham, investor dapat menaikkan jumlah lot. Lompatan selanjutnya 5 lot saham sehingga investor mulai merasakan besarnya kerugian. Ini dapat dilihat sebagai ”biaya sekolah” dan jangan menjadi beban bagi investor. Sebaiknya, dana yang dipakai adalah uang lebih yang tidak dipakai dalam jangka panjang.

Investor harus terus mencari informasi melalui koran, analis, dan pihak yang memahami pasar. Investor jangan sekali-kali melawan pasar karena akan merugi. Selamat bermain saham.

KOMPAS

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The general difficulties of men's and women's fashion

Both men and women could feel the difficulties of maintaining their clothing up-to-date and in time, yet men's fashion often seems a lot less difficult. Of course, for both sexes, garments and fashion choices could be equally as complex, and there are numerous'cool'items which could rapidly become fashion faux pas - who are able to say they often see people walking on in 70s flares? On the other side, men's fashion has a few choice items which can exist eternally - which man is likely to keep an eye out of place with a good-quality, tailored suit, for instance? Choose basic cuts, colours and materials and you'll never look out-of-place.

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Although basic men's designs will never be changed, it's interesting to observe that changes in men's fashion trends have brought particular common clothes back into fashion. The popularity of vintage clothing, especially, has brought back a wide-variety of common models into men's closets, such as that of the dandy gentleman. 'Dandy'is a term used to refer to men who dress yourself in a classic yet lavish way, acting in a polished method and placing value on appearance. This pattern for nearly'over-the-top'common fashion for men is apparent from events like the'Tweed Run', wherever men and girls of all ages clothe themselves in notably Victorian-style clothing and take to the roads on vintage bicycles - with many of the men sporting impressive mustaches! This really is just one single of several types of evidence presenting the resurgence of such variations. There are also numerous sites online which concentrate on gentlemanly type - such as'The Dandy Project'and'Dandyism'- as well as entire sites such as'The Art of Manliness'specialized in providing articles on traditional men's fashion and grooming.

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