But compared to last year, which was I reckon the challenging year, there are some elements of certainty that will make 2016 better than 2015, including the likelihood of FFR increases. •  Second, this is the time where all the three policy mix of Indonesia economic developments, i.e. fiscal, monetary, and structural reforms, are working together and reinforcing each other.
The risks of financial instruments need to be more transparent. Safety now needs to be redefined. We cannot rely on the traditional measurement of safety. They are clearly inadequate. There are serious risks in investments that are not fully disclosed.