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Aproveite as Incríveis Promoções da PlayStation Store e Garanta Seus Jogos Favoritos
2024-10-31
Não perca a oportunidade de adquirir jogos incríveis para seus consoles PlayStation 4 e PlayStation 5 com descontos impressionantes. Nesta semana, a PlayStation Store está repleta de promoções irresistíveis, com reduções de preço que chegam a 92%. Confira nossa seleção dos melhores jogos em oferta e garanta suas aquisições com cashback e parcelamento sem juros.

Não Deixe Passar Essas Oportunidades Imperdíveis!

Jogos em Promoção para PlayStation 4

Prepare-se para mergulhar em aventuras emocionantes e desafios envolventes com os jogos para PlayStation 4 em oferta nesta semana. Desde títulos aclamados pela crítica até clássicos indispensáveis, há uma variedade de opções para todos os gostos. Destaque para jogos como Sherlock Holmes: The Devil's Daughter, com 92% de desconto, e Figment, com 90% de redução de preço. Outros destaques incluem Ken Follett's The Pillars of the Earth, Monster Energy Supercross – The Official Videogame 2 e One Piece: Pirate Warriors 3, todos com descontos de 90%. Aproveite também as promoções em Oxenfree, Oxenfree II: Lost Signals e Sagebrush, que custam apenas uma fração do valor original. E não deixe de conferir os ótimos preços em Metro 2033 Redux e Watch Dogs 2, com 85% de desconto.

Jogos em Promoção para PlayStation 5

Se você é um jogador de PlayStation 5, prepare-se para aproveitar as incríveis ofertas desta semana. Destaque para The Sinking City, com 90% de desconto, e The Quarry, com 86% de redução de preço. Outros jogos imperdíveis incluem What Lies in the Multiverse, Figment 2: Creed Valley e Immortals Fenyx Rising, todos com descontos acima de 80%. Não deixe de conferir também as promoções em Lost Judgment, Judgment e Wild Hearts, com reduções de até 80%. E para os fãs da franquia Yakuza, não perca a oportunidade de adquirir Like a Dragon: Ishin! com 70% de desconto.

Parcelamento e Cashback: Aproveite Ainda Mais

Além das incríveis promoções, você pode aproveitar ainda mais ao parcelar suas compras na PlayStation Store. Utilizando os gift cards da Nuuvem, é possível dividir suas aquisições em até 4 vezes sem juros no PayPal ou 3 vezes sem juros no cartão de crédito. E o melhor: você ainda recebe cashback em forma de créditos para usar em futuras compras. Aproveite essa oportunidade única de economizar e garantir seus jogos favoritos.

Não Perca Tempo, Aproveite Agora!

Não deixe essa chance única escapar. Explore as melhores promoções de jogos para PlayStation 4 e PlayStation 5 nesta semana e garanta seus títulos favoritos com descontos incríveis. Aproveite também as opções de parcelamento e cashback para maximizar seus benefícios. Não perca tempo, acesse a PlayStation Store agora e confira todas as ofertas imperdíveis!
Elevate Your Travel Experience with the Rockland Hardside Expandable Carry-On
2024-11-01

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As the seasons change and the holiday travel rush approaches, having a reliable and versatile carry-on suitcase can make all the difference in your journey. The Rockland Hardside Expandable Carry-On, currently on sale for up to 53% off at Amazon, has emerged as a popular choice among travelers seeking a durable, spacious, and easy-to-maneuver option for their adventures.

Unlock the Secrets to Seamless Travel with the Rockland Hardside Expandable Carry-On

Unparalleled Durability and Convenience

The Rockland Hardside Expandable Carry-On boasts a hard plastic exterior shell that not only protects your belongings but also withstands the rigors of travel with ease. Reviewers have praised its "durable and reliable" design, noting that it "doesn't scuff easily" and that the cleaning process is a "piece of cake" if any marks or scratches do occur. This suitcase is built to last, ensuring your valuables remain safe and secure, even on the most demanding journeys.Maximizing your packing potential is a breeze with the Rockland Hardside Expandable Carry-On. Its spacious interior, complemented by mesh pockets and built-in straps, allows you to organize your belongings with precision. One satisfied shopper shared, "Packed enough for two weeks in the summer and even had room for souvenirs," showcasing the impressive capacity of this carry-on.

Effortless Maneuverability for Seamless Travels

Navigating through bustling airports, crowded train stations, and winding city streets is a breeze with the Rockland Hardside Expandable Carry-On. Its four multidirectional spinner wheels rotate a full 360 degrees, providing "easy maneuverability" according to reviewers. Whether you're rushing to catch a flight or leisurely exploring a new destination, this suitcase glides effortlessly, reducing the physical strain of lugging heavy luggage.The expandable design of the Rockland Hardside Expandable Carry-On offers added versatility for your travel needs. With the ability to expand up to an extra 2 inches, this carry-on can accommodate longer trips or the addition of souvenirs and purchases, ensuring you have ample space for all your essentials and more.

Unbeatable Value and Exceptional Reviews

At a price point starting as low as $56, the Rockland Hardside Expandable Carry-On delivers unbeatable value for the quality and features it offers. Shoppers have been quick to take advantage of this sale, with hundreds adding the suitcase to their carts in the past month alone.The overwhelmingly positive reviews from Amazon customers further solidify the Rockland Hardside Expandable Carry-On as a must-have travel companion. One reviewer shared, "This luggage is much sturdier than I'd expected. Traveled on five planes, buses, many taxis, and shuttles throughout three countries and is still in perfect condition." Another enthusiastic shopper declared, "This bag is a lifesaver for air travelers. I was able to fit five days' worth of wardrobe selections (including shoes), along with toiletries and other knickknacks all in one bag."With its durable construction, spacious interior, effortless maneuverability, and unbeatable value, the Rockland Hardside Expandable Carry-On is poised to elevate your travel experience, whether you're heading home for the holidays, attending fall weddings, or embarking on a weekend getaway. Seize the opportunity to upgrade your travel essentials and make your journeys more seamless and enjoyable.

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Dinamika Industri Keuangan Indonesia: Kontras Antara Pembiayaan Modal Ventura dan Pinjaman Online
2024-11-01
Industri keuangan Indonesia sedang mengalami dinamika yang menarik, dengan tren yang kontras antara pembiayaan modal ventura untuk startup dan pinjaman online (pinjol) atau peer-to-peer lending (P2P). Sementara pembiayaan modal ventura mengalami kontraksi, pinjol justru mencatatkan pertumbuhan signifikan. Agusman, Dewan Komisioner Otoritas Jasa Keuangan (OJK), memberikan gambaran terkini mengenai kondisi kedua sektor pembiayaan tersebut.

Menyoroti Tren Pembiayaan Startup dan Pinjaman Online di Indonesia

Kontraksi Pembiayaan Modal Ventura

Berdasarkan data OJK, pembiayaan modal ventura, yang merupakan salah satu bentuk pembiayaan utama bagi perusahaan rintisan (startup), mengalami penurunan sebesar 8,10% secara tahunan (yoy) hingga akhir September 2024, menjadi Rp 16,25 triliun. Nilai kontraksi ini melambat dibandingkan periode Agustus yang mencapai 9,03%. Hal ini mengindikasikan adanya perlambatan dalam aktivitas pembiayaan modal ventura untuk startup di Indonesia.Perlambatan ini dapat disebabkan oleh berbagai faktor, seperti kondisi ekonomi yang kurang kondusif, perubahan preferensi investor, atau bahkan ketatnya regulasi yang membatasi aktivitas pembiayaan modal ventura. Namun, meskipun mengalami kontraksi, sektor ini masih menjadi salah satu sumber pembiayaan penting bagi ekosistem startup di Indonesia.

Pertumbuhan Signifikan Pinjaman Online

Di sisi lain, pembiayaan pinjol atau P2P lending terus mencatatkan pertumbuhan yang signifikan. Hingga akhir Agustus 2024, nilai outstanding pinjol tumbuh 33,73% (yoy) menjadi Rp 74,48 triliun. Pertumbuhan ini menunjukkan bahwa pinjol semakin menjadi pilihan bagi masyarakat dalam memenuhi kebutuhan pendanaan mereka.Pertumbuhan pinjol yang pesat dapat disebabkan oleh beberapa faktor, seperti kemudahan akses, kecepatan proses, dan fleksibilitas yang ditawarkan oleh platform pinjol. Selain itu, pinjol juga menjadi alternatif bagi mereka yang tidak memiliki akses ke layanan keuangan tradisional, seperti perbankan.

Tren Kredit Macet: Pembiayaan Modal Ventura vs Pinjaman Online

Meskipun mengalami pertumbuhan yang berbeda, kedua sektor pembiayaan ini juga memiliki tren yang berbeda dalam hal kredit macet. Pada pembiayaan modal ventura, rasio pembiayaan macet (NPF) gross tercatat sebesar 2,62% pada September 2024, turun dari 2,66% di bulan Agustus.Di sisi lain, tingkat kredit macet pinjol (TWP90) tercatat stabil di 2,38% per September 2024, sama dengan bulan Agustus sebelumnya. Hal ini menunjukkan bahwa sektor pinjol mampu menjaga kualitas portofolio pembiayaannya dengan baik.

Kinerja Industri Pembiayaan Multifinance

Selain tren pembiayaan modal ventura dan pinjol, Agusman juga menyoroti kinerja industri pembiayaan multifinance secara keseluruhan. Piutang pembiayaan multifinance naik 9,35% secara tahunan (yoy) pada September 2024 menjadi Rp 501,78 triliun. Meskipun masih tumbuh, namun piutang pembiayaan tercatat melambat dari bulan Agustus lalu yang tercatat naik 10,18% yoy.Sementara itu, rasio pembiayaan macet (NPF) gross multifinance tercatat sebesar 2,62% pada September 2024, turun dari 2,66% di bulan Agustus. NPF net juga tercatat stabil di 0,81% pada September 2024. Gearing ratio industri pembiayaan multifinance juga turun menjadi 2,33 kali, jauh di bawah batas maksimum 10 kali.Tren-tren ini menunjukkan bahwa industri pembiayaan multifinance secara keseluruhan masih mampu mempertahankan kinerja yang baik, meskipun terdapat perlambatan pertumbuhan piutang pembiayaan.Dinamika yang terjadi di industri keuangan Indonesia, khususnya pada sektor pembiayaan modal ventura dan pinjol, memberikan gambaran yang menarik tentang arah perkembangan ekosistem startup dan kebutuhan pendanaan masyarakat. Pemantauan dan analisis yang cermat oleh OJK akan membantu mengidentifikasi peluang dan tantangan yang ada, sehingga dapat mendukung pertumbuhan yang sehat dan berkelanjutan di industri ini.
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