Menyusun Perencanaan Keuangan

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.

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