Menyusun perencanaan keuangan perusahaan adalah langkah krusial untuk mencapai tujuan keuangan dan memastikan kesehatan keuangan jangka panjang perusahaan. Idealnya, perencanaan keuangan menjadi askpek penting dalam hidup seseorang.
Menurut Financial Planning Standards Board Indonesia, perencanaan keuangan merupakan proses pengelolaan keuangan yang dilakukan untuk mencapai suatu tujuan.
1. Pahami Tujuan Keuangan Perusahaan
Tentukan tujuan keuangan jangka pendek, menengah, dan panjang perusahaan. Pastikan tujuan keuangan sesuai dengan visi dan misi perusahaan. Tujuan yang berguna untuk mengidentifikasi pos-pos penting.
2. Analisis Keuangan
Tinjau laporan keuangan terkini perusahaan, termasuk neraca, laporan laba rugi, dan arus kas. Identifikasi tren keuangan dan faktor-faktor yang mempengaruhi kinerja keuangan.
3. Perencanaan Anggaran
Tentukan anggaran operasional dan modal, pisahkan anggaran untuk departemen dan proyek khusus, dan sesuaikan anggaran dengan proyeksi pendapatan dan biaya.
4. Manajemen Kas
Tetapkan kebijakan manajemen kas yang efektif. Pertimbangkan pilihan investasi jangka pendek untuk dana kas yang tidak digunakan.
5. Pengelolaan Utang
Tinjau dan kelola struktur utang perusahaan. Pertimbangkan restrukturisasi utang jika diperlukan.Tentukan kebijakan pembayaran utang yang dapat diakomodasi oleh arus kas.
6. Investasi
Tetapkan strategi investasi yang sesuai dengan profil risiko perusahaan dan Rencanakan investasi jangka panjang untuk pertumbuhan perusahaan. Evaluasi dan monitor kinerja investasi secara berkala.
7. Pengelolaan Risiko
Dunia bisnis dekat dengan risiko dan ketidakpastian. Untuk itu, pelaku bisnis perlu menyusun perencanaan keuangan untuk meminimalisasi dampaknya seperti asuransi, diversifikasi portofolio, penggunaan instrumen keuangan derivatif, dan strategi pengelolaan risiko lainnya.
8. Mewujudkan Pertumbuhan dan Profitabilitas Bisnis
Lakukanlah pertumbuhan terhadap pendapatan perusahaan misalnya dengan meningkatkan keuntungan, merampingkan posisi, dan mencari pengakuan. Pasalnya, dengan perencanaan keuangan akan memudahkan proses identifikasi sumber daya dalam bisnis.
9. Teknologi dan Inovasi
Tetapkan anggaran untuk investasi dalam teknologi dan inovasi. Pertimbangkan kebutuhan sistem informasi yang dapat meningkatkan efisiensi operasional.
10. Memenuhi Kewajiban Hukum dan Peraturan Keuangan
Tujuan ini akan membantu perusahaan memastikan kepatuhan dan akurasi kepatuhan keuangan, perpajakan, dan persyaratan peraturan keuangan di Indonesia.
Perencanaan keuangan perusahaan perlu disesuaikan dengan kondisi ekonomi dan industri yang berubah, dan perlu diupdate secara berkala sesuai dengan perkembangan perusahaan.
While manufacturers continue to tweak their products to overcome the stigma of ultraprocessed foods, nutritionists suggest consumers move forward in choosing products that help the planet — as long as they keep reading the nutrition label.
“I would look for something with a good fat composition in which saturated fat is less than a third of the total fat,” Willett said. “Some vegetable burgers made from peas and legumes can be quite starchy, which the body breaks down similarly to sugar, so I would prefer to see alternatives with more healthy fat, more nuts, more soy.”
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While the Dietary Guidelines for Americans call for a limit of 2,300 milligrams of sodium per day for adults, “the American Heart Association recommends a limit of 1,500 milligrams for adults over 50, which is the standard I prefer,” Willett said.
“Look for about 1 milligram of sodium per calorie, which is a pretty good criteria,” he added. “In general, salt and saturated fat are the two really important factors — along with something that’s flavorful or delicious, which is, of course, up to the consumer.”
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One more key point from Willett: Before plant-based meats can truly help save the planet, they need to come down in price.
“These products are quite a bit more expensive, from what I’ve seen, than basic hamburger,” he said, “and we really need products that are price competitive with the beef and pork if we’re going to see them used on a daily basis, not just by people who can afford it.”
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While manufacturers continue to tweak their products to overcome the stigma of ultraprocessed foods, nutritionists suggest consumers move forward in choosing products that help the planet — as long as they keep reading the nutrition label.
“I would look for something with a good fat composition in which saturated fat is less than a third of the total fat,” Willett said. “Some vegetable burgers made from peas and legumes can be quite starchy, which the body breaks down similarly to sugar, so I would prefer to see alternatives with more healthy fat, more nuts, more soy.”
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While the Dietary Guidelines for Americans call for a limit of 2,300 milligrams of sodium per day for adults, “the American Heart Association recommends a limit of 1,500 milligrams for adults over 50, which is the standard I prefer,” Willett said.
“Look for about 1 milligram of sodium per calorie, which is a pretty good criteria,” he added. “In general, salt and saturated fat are the two really important factors — along with something that’s flavorful or delicious, which is, of course, up to the consumer.”
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One more key point from Willett: Before plant-based meats can truly help save the planet, they need to come down in price.
“These products are quite a bit more expensive, from what I’ve seen, than basic hamburger,” he said, “and we really need products that are price competitive with the beef and pork if we’re going to see them used on a daily basis, not just by people who can afford it.”
While manufacturers continue to tweak their products to overcome the stigma of ultraprocessed foods, nutritionists suggest consumers move forward in choosing products that help the planet — as long as they keep reading the nutrition label.
“I would look for something with a good fat composition in which saturated fat is less than a third of the total fat,” Willett said. “Some vegetable burgers made from peas and legumes can be quite starchy, which the body breaks down similarly to sugar, so I would prefer to see alternatives with more healthy fat, more nuts, more soy.”
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While the Dietary Guidelines for Americans call for a limit of 2,300 milligrams of sodium per day for adults, “the American Heart Association recommends a limit of 1,500 milligrams for adults over 50, which is the standard I prefer,” Willett said.
“Look for about 1 milligram of sodium per calorie, which is a pretty good criteria,” he added. “In general, salt and saturated fat are the two really important factors — along with something that’s flavorful or delicious, which is, of course, up to the consumer.”
https://tripskan.org
трип скан
One more key point from Willett: Before plant-based meats can truly help save the planet, they need to come down in price.
“These products are quite a bit more expensive, from what I’ve seen, than basic hamburger,” he said, “and we really need products that are price competitive with the beef and pork if we’re going to see them used on a daily basis, not just by people who can afford it.”
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