Sejarah Dan Asal Skema Ponzi | Siapa Itu Charles Ponzi

Aug 16, 2021Investasi34 comments

Hai! Kembali lagi bersama Nubie Investor. Mungkin kamu sering dengar istilah skema ponzi yang sangat identik dengan penipuan atau investasi bodong.

Nah ternyata Ponzi ini adalah nama orang yang menjadi bapak dari skema Ponzi yang banyak diadopsi diseluruh dunia.

Di artikel ini kita akan belajar bagaimana Charles Ponzi membangun kerajaan investasi bodongnya dan apa sih sebetulnya Skema Ponzi itu?

Di akhir video kami juga akan berikan tips sederhana agar kamu bisa menghindari investasi bodong jadi pastikan tonton sampai habis ya!

Ini adalah lanjutan dari artikel sebelumnya yaitu tentang investasi bodong! Kita pernah share 5 ciri investasi bodong bisa dibaca di artikel dibawah ini ya.

Baca selengkapnya tentang 5 Ciri Investasi Bodong

Sejarah Skema Ponzi

Tahu kah kamu kalau Skema Ponzi diambil dari nama seseorang loh yaitu Charles Ponzi, Charles Ponzi walaupun bukan yang pertama tapi adalah salah satu yang mempelopori investasi bodong yang akhirnya ditangkap di 12 agustus 1920, jadi sudah lebih dari 100 tahun yang lalu skema ini ada! Herannya masih banyak yang terjebak yah?

Pada dasarnya skema Ponzi adalah investasi bodong yang menjanjikan untung yang sangat tinggi dengan resiko yang rendah bahkan nihil, dibalik layar sebetulmya skema Ponzi memindahkan uang dari investor baru ke investor lama, jadi kalau dalam sebuah grafik kurang lebih seperti ini.

Jadi keuntungan atau pembagian hasil yang kamu dapatkan berasal dari investor yang ada di bawah kamu, jadi skema investasi ini hanya dapat tetap berjalan selama masih ada investor baru yang bergabung

Nah pertanyaannya kalau melihat skema begini terlihat sekali padahal penipuannya kan?!

Kenapa orang begitu mudah untuk percaya ya?

Karena skema Ponzi biasanya dibungkus oleh bisnis yang terlihat bonafit diluarnya.

Contoh Charles Ponzi membungkus investasi bodongnya dengan bisnis yang mengambil keuntungan dari perbedaan harga karena perbedaan mata uang postal reply coupons.

Charles Ponzi membuat claim ia dapat membeli postal reply coupons dengan harga yang didiskon di luar negri dan menjualnya dengan harga yang jauh lebih tinggi di US.

Seperti ciri investasi bodong ke 4 yaitu investasi yang penuh rahasia, yang sudah kami sampaikan di video sebelumnya Charles Ponzi tidak akan mau jawab detail bagaimana cara kerja bisnisnya bekerja dan akan menjawab dengan “rahasia perusahaan dong”

Juga seperti ciri ke 2 dan 3 dimana return yang ga masuk akal dan janji 100% pasti untung, Charles Ponzi memberikan janji 50% profit dalam waktu 45 hari dan 100% profit dalam waktu 90 hari! sebuah return yang sangat tidak masuk akal!

Dengan keuntungan yang sangat fantastis siapa yang tidak tergiur kan?

Orang2 pun berbondong – bondong untuk join investasi Charles Ponzi.

Bayangin kamu masukin 10jt dalam 45 hari dapat 5jt. kalau nunggu sampai 3 bulan dapat nya 10jt!

Walaupun di depannya terdengar sangat indah dibalik layar Ponzi tau bahwa janji kepada investor ini hanya bisa ditutupi dengan uang investor baru, bukan untung dari bisnis postal reply coupon-nya!

Maka investor2 yang lama akan sangat diuntungkan, tapi investor yang baru harus mencari korban – korban baru agar bisa tetap berjalan skema investasi bodong ini

Dalam waktu hanya 7 bulan Ponzi dapat mengumpulkan total 8 juta dollar dan 30 ribu investor! Sebelum akhirnya skema investasinya hancur karena investigasi dari koran Boston Post yang akhirnya membawa Ponzi ke penjara.

Selain Charles Ponzi ada juga pembuat investasi bodong yang terkenal yaitu Bernard Madoff yang kerugiannya bahkan diestimasi mencapai 65 milyar dollar!

Sebetulnya skema Ponzi dapat dengan mudah dihindari dengan satu hal: jangan berinvestasi ke hal yang kamu tidak sepenuhnya mengerti.

Tapi terkadang rasa serakah dan FOMO atau Fear Of Missing Out mengalahkan akal sehat yang membuat kita menjadi berpikir tidak logis.

Jangan sampai ya! Apalagi kalau cuman ikut karena ikut2an diajak teman dan lain – lain! Semoga kita semua dihindari dari investasi bodong!

Semoga kamu mengerti sejarah skema ponzi ini dan dapat menghindari dari jenis investasi bodong ini ya! Yuk bergabung dengan Nubie Investor untuk mendapatkan konten – konten serupa ini!

Artikel Terbaru Lainnya

6 Aplikasi Wajib Dimiliki Investor Saham!

Hai! kembali lagi bersama Nubie Investor! Di artikel kali ini kita akan coba kumpulkan beberapa aplikasi yang bagus dimiliki oleh investor saham di handphone-nya! Semoga aplikasi - aplikasi ini...


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