Lifelong learning of how money and business work. And make sure you are informed before making a decision.
Your money is valuable, and we believe in making it even more valuable. Starting a business is one way. Saving and investing are other ways to grow your wealth. The key is understanding how money works over time.
But make sure you are informed before deciding where to allocate your money. And for this reason, we are here.
We are the home for making your finances and business easy to understand. Investing in stocks, bonds, real estate, or alternative investments—even calculating future values, interest on loans, budgeting, or analyzing financial and business reports—requires understanding the concepts and how they work.
Likewise, starting and operating a business requires understanding operations, human resources, marketing, and finance. Specialization may not require a profound knowledge of every area, but you need a strong foundation to make informed decisions. After all, your business is yours, not theirs.
Finally, success in business and finance requires an understanding of economics. While external economic conditions are out of your control, they can significantly influence your business and financial decisions.
And once again, we’re here to help you understand finance and business.
We write about concepts and create how-to guides that break down complex financial and business aspects into easy-to-understand pieces. And if you need it, we’ll review financial products to help you make informed decisions.
Meet the Owner: Ahmad Nasrudin
My passion lies in demystifying the world of finance and empowering individuals to make informed decisions. While I may be an introvert at heart, my analytical skills and love for writing come together to create clear and relatable explanations of complex concepts in business, economics, and finance.
This passion for financial literacy is rooted in my educational background. Equipped with a strong foundation in statistics with a focus on macroeconomics, I embarked on my career journey in the analytical trenches of a leading rating agency in Indonesia.
Here, I honed my skills through industry analysis using the rating methodology, including Porter’s Five Forces and PESTEL analysis. This experience blossomed into opportunities for equity research, shadow ratings, and municipal ratings within the business unit. Financial modeling, equity valuation, and credit risk assessment became my daily tools.
Over time, my expertise shifted towards macroeconomics, where I now act as a fixed-income analyst. Leveraging my extensive experience, I collaborated with my team to build the first rating-based stock index methodology in Indonesia.
My passion for financial literacy extends beyond the world of ratings. I actively share my knowledge through writing, and you can find my articles on this website, penpoin.com.
Our Editorial Team
Behind the scenes, a dedicated team works tirelessly to ensure the accuracy, clarity, and value of the information we provide. While you may not see their names on every article, their contributions are invaluable in crafting trustworthy content.
We believe in the power of financial literacy and its ability to empower individuals to make informed decisions about their money and businesses. Join us on this journey to financial understanding!