Laporan Keuangan Membuat Kita Menjadi Crazy Rich

Gambar 1. Ilustrasi Crazy Rich | Sumber:

Istilah Crazy Rich sebenarnya bermula dari film drama romance komedi yang berjudul Crazy Rich Asian di tahun 2018. Crazy Rich identik dengan orang kaya raya dan memiliki banyak cuan. Di Indonesia banyak yang menyamai nasib dengan menjadi Crazy Rich Medan, Crazy Rich Bandung, hingga Crazy Rich Jepara. Bahkan sekarang sedang marak kasus kontroversial terkini yang menyeret para Crazy Rich seperti Indra Kenz dan Dony Salmanan. Dalam artikel ini kita akan menelaah cara menjadi Crazy Rich yang sebenarnya seperti R. Budi Hartono, Chairul Tanjung, hingga Anthony Salim melalui perancangan laporan keuangan pribadi.

Motivasi Diri Dengan Melihat Kekayaan Crazy Rich Indonesia

Gambar 2. Foto Chairul Tanjung | Sumber:

Untuk motivasi kalian, seorang Chairul Tanjung mempunyai kekayaan yang berlimpah. Chairul Tanjung memiliki urutan ke-3 sebagai orang terkaya di Indonesia. Urutan pertama Budi Hartono dengan kekayaan US$ 21,3 Miliyar atau Rp. 304, 59 Triliun (Kurs Rp. 14.300). Adapun Michael Hartono yang menjadi urutan kedua dengan kekayaan US$ 20,4 Miliyar atau Rp. 291,72 Triliun. Pada urutan ketiga Chairman dan Founder CT Crop Chairul Tanjung yang memiliki kekayaan US$ 7,8 Miliyar atau Rp. 111,54 Triliun.

Apa Itu Laporan Keuangan?

Laporan keuangan merupakan catatan tertulis yang menyampaikan aktivitas bisnis dan kinerja keuangan. Pada atikel ini kita akan lebih detail membahas terkait laporan keuangan pribadi, seperti: sumber pendapatan, aliran pendapatan, sektor belanja, alokasi kebutuhan di masa depan, dan lain sebagainya yang memiliki hubungan dengan dana pribadi kita. Tujuannya adalah agar finansial tercapai, pengeluaran dapat kita kelola, dan dana investasi dapat kita alokasikan secara lebih seimbang.

Membuat Laporan Keuangan

Dalam membuat laporan keuangan pribadi terdapat dua komponen, diantaranya: Neraca Aset dan Neraca Hutang, Kewajiban Bersih.

Gambar 3. Contoh Tabel Laporan Keuangan Pribadi | Sumber: Perencanaan Keuangan

Dari contoh tabel laporan keuangan diatas, kita dapat mencantumkan jumlah aset dan hutang pada tempatnya. Akan tetapi, pencantumannya kita batasi setiap bulan. Jika laporan keuangan kita sudah benar, Total Aset di sebelah kiri sama dengan Total Hutang dan Kekayaan Bersih di sebelah kanan.

Rasio Dapat Menilai Kesehatan Keuangan

Gambar 4. Tabel Rasio Laporan Keuangan | Sumber: Perencanaan Keuangan

Setelah kita selesai mengisi laporan keuangan dapat menganalisis lebih lanjut dengan menghitung rasio keuangan kita. Terdapat delapan jenis rasio keuangan yang bisa kita pakai seperti Rasio Likuiditas sampai Rasio Solvabilitas (lihar gambar 4). Berikut ini adalah interpretasi dari delapan jenis rasio :

  • Likuiditas merupakan kemampuan kita dalam memenuhi hutang jangka pendek.
  • Aset Likuid terhadap Nilai Kekayaan Bersih melihat berapa jumlah nilai kekayaan bersih yang kita miliki dalam bentuk kas.
  • Tabungan kemampuan menyisihkan sebagian penghasilan yang kita dapat setiap bulan untuk menabung atau investasi.
  • Perbandingan Hutang terhadap Aset untuk mengukur kemampuan kita membayar hutang.
  • Kemampuan Pelunasan Hutang Non Hipotek bertujuan untuk mengendalikan hutang konsumtif atau pengeluaran yang tidak produktif.
  • Perbandingan Kekayaan Bersih Aset Investasi terhadap Nilai Bersih Kekayaan yaitu seberapa kita dapat melipat gandakan total kapitalnya.
  • Solvabilitas menujukkan bahwa kita mampu membayar hutang di masa depan atau tidak.

Yuk, perbaiki laporan keuangan kita supaya bisa menjadi Crazy Rich! Jika laporan keuangan kita buruk. Mari kita coba gaya hidup Frugal atau Minimalism.

Jangan lupa baca artikel Frugal vs Minimalism.

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