{"id":920,"date":"2017-03-16T11:52:30","date_gmt":"2017-03-16T04:52:30","guid":{"rendered":"http:\/\/binus.ac.id\/malang\/?p=920"},"modified":"2019-06-26T14:27:21","modified_gmt":"2019-06-26T07:27:21","slug":"cash-flow","status":"publish","type":"post","link":"https:\/\/binus.ac.id\/malang\/2017\/03\/cash-flow\/","title":{"rendered":"CASH FLOW \u00a0"},"content":{"rendered":"

Apa itu cash flow\u2026.?\u00a0 cash flow adalah arus dana (dalam hal ini harus berupa real cash) baik berupa penerimaan\/pendapatan atau pengeluaran\/biaya. \u00a0Dana yang dimasukkan ke dalam cash flow harus berupa real cash. \u00a0Jadi jika kita membeli suatu barang di bulan 1 akan tetapi pembayarannya di bulan 3, maka pengaturan cash flownya dimasukkan di bulan 3 pada saat memang dana cash kita keluar pada saat itu. \u00a0Hal yang sama juga berlaku untuk penerimaan\/pendapatan.<\/p>\n

Bagi orang yang berkecimpung didunia keuangan pasti sangat paham pentingnya positif cash flow. \u00a0Karena dengan cash flow yang positif, maka rencana perusahaan akan berjalan lebih baik. \u00a0Kita akan belajar pengelolaan cash flow untuk pribadi atau keluarga, tetapi sebenarnya dengan prinsip yang sama bisa kita terapkan didalam usaha kita. \u00a0Untuk memudahkan pemahaman betapa pentingnya mengelola cash flow,\u00a0 kita bisa belajar dari contoh kasus dibawah ini :<\/p>\n

Suatu hari seorang karyawan datang dan mengeluh bahwa gajinya tidak cukup setiap bulan. \u00a0Saya tahu gaji dia sudah cukup besar, sekitar Rp. 5 juta. \u00a0Mungkin kedatangannya bermaksud untuk minta dipertimbangkan ada kenaikan gaji lagi. \u00a0Karena kondisi perusahaan yang belum memungkinkan memberikan kenaikan gaji dan saya lihat seharusnya sudah lebih dari cukup, maka saya tawarkan untuk memperbaiki cash flow dia.<\/p>\n

Pertama-tama, saya tanyakan mengenai pos-pos pengeluarannya untuk apa saja dan dia memberikan jawaban sebagai berikut :<\/p>\n

    \n
  1. Untuk biaya makan @ 50,000 per hari x 30 = Rp. 1,500,000<\/li>\n
  2. Biaya sekolah anak-anaknya 2 orang @ 400.000 = Rp. 800,000<\/li>\n
  3. Biaya Listrik, PAM, dan keamanan = Rp. 400,000<\/li>\n
  4. Biaya langganan pulsa\/internet = Rp. 500,000<\/li>\n
  5. Biaya langganan TV = Rp. 200,000<\/li>\n
  6. Biaya pergi ke kantor untuk bensin = Rp. 500,000<\/li>\n
  7. Cicilan KPR = Rp. 2,000,000<\/li>\n
  8. Cicilan Kartu Kredit = Rp. 500,000 (dia punya hutang kartu kredit yang digunakan untuk biaya pengobatan)<\/li>\n
  9. Biaya rekreasi keluarga = Rp. 500,000.<\/li>\n<\/ol>\n

    Total Biaya yang dikeluarkan tiap bulannya sebesar Rp. 6.400,000. \u00a0Jadinya setiap bulan akan terjadi negatif cash flow sebesar Rp. 1.400,000. dari mana kekurangan itu ditutupi? Dia memakai kartu kredit lagi sehingga hutang kartu kreditnya tidak pernah lunas.<\/p>\n

    Melihat struktur biaya seperti diatas maka harus melakukan penghematan. Dari diskusi yang kami lakukan maka penghematan yang dapat dilakukan adalah:<\/p>\n

      \n
    1. Biaya makan agar dikurangi besarnya, dimana cukupi dulu syarat pemenuhan gizi dan diatur menunya.<\/li>\n
    2. Biaya pulsa\/internet dikurangi sampai batas minimum pemakaian.<\/li>\n
    3. Menghilangkan biaya rekreasi<\/li>\n<\/ol>\n

      Setelah dihitung ulang terdapat penghematan sebesar Rp. 1,000,000 setiap bulannya tetapi masih negatif Rp. 400 ribu. \u00a0Setelah itu dilihat asset yang dimiliki, kondisinya sebagai berikut :<\/p>\n

        \n
      1. Rumah seharga Rp. 250 juta dan masih KPR dengan sisa pinjaman sebesar Rp. 75 juta lagi.<\/li>\n
      2. Mobil merupakan COP perusahaan.<\/li>\n<\/ol>\n

        Karena asset yang paling besar yang dimiliki adalah rumah, bisa dilakukan restrukturisasi dengan melakukan refinancing rumah ke bank lain dengan nilai sebesar sisa pinjaman, hutang kartu kredit (agar tidak ada lagi kewajiban untuk membayar cicilan kartu kredit) dan sisa 20 juta untuk tabungan. Setelah dilakukan refinancing yang digunakan untuk melunasi hutang KPR sebelumnya, hutang kartu kredit dan tabungan untuk keperluan tidak terduga, maka cicilan KPR dia hanya Rp. 1,5 juta setiap bulannya. Mengapa biaya KPR nya bisa turun? karena jangka waktu pinjamannya diperpanjang sehingga angsuran menjadi lebih ringan. Karena itu posisi cash flow pada saat ini berubah menjadi positif Rp. 600 ribu.<\/p>\n

        Dari contoh kasus diatas dapat ditunjukkan bahwa tanpa menambah pendapatan\/penghasilan tapi dengan merubah struktur cost, maka kondisi cash flow berubah dari negatif. \u00a0Seringkali kita terbelenggu akan kondisi cash flow karena tidak mengetahui bagaimana cara merestru risasi keuangan kita. Demikian juga terjadi pada pengusaha pemula (start-up), banyak diantara mereka mengalami keputusasaan karena kesulitan cash flow ditengah usaha berkembang pesat.\u00a0 Salam Sukses<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

        Apa itu cash flow\u2026.?\u00a0 cash flow adalah arus dana (dalam hal ini harus berupa real cash) baik berupa penerimaan\/pendapatan atau pengeluaran\/biaya. \u00a0Dana yang dimasukkan ke dalam cash flow harus berupa real cash. \u00a0Jadi jika kita membeli suatu barang di bulan 1 akan tetapi pembayarannya di bulan 3, maka pengaturan cash flownya dimasukkan di bulan 3 […]<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[122,130],"tags":[104],"class_list":["post-920","post","type-post","status-publish","format-standard","hentry","category-articles","category-entrepreneurship-business-creation","tag-business-creation"],"yoast_head":"\nCASH FLOW \u00a0 | BINUS UNIVERSITY MALANG | Pilihan Universitas Terbaik di Malang<\/title>\n<meta name=\"description\" content=\"BINUS University Malang Merupakan Universitas Terbaik di Malang dengan Program 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