Tips Manajemen Keuangan Untuk Usaha Kecil Menengah

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Manajemen keuangan merupakan satu hal penting yang harus mendapatkan perhatian khusus dari pelaku UKM. Walaupun masih terbilang usaha kecil menengah, tapi bukan berarti kisa asal-asalan mengatur keuangannya.

Layaknya perusahaan besar yang dikelola secara profesional, UKM juga wajib mengelola manajemen keuangan dengan tepat. Tidak hanya keuntungan usaha saja yang dikejar pelaku usaha, tapi kita juga harus pandai-pandai memanfaatkan sumberdaya modal yang ada dengan lebih bijak.

Salah sedikit saja, bisa-bisa malah kebangkrutan usaha yang didapatkan pelaku UKM. Nah untuk menghindarinya, ada beberapa tips manajemen keuangan yang bisa dicoba pelaku UKM dengan cara sederhana.

Uang Pribadi vs Uang Usaha

Tips pertama bagi pelaku usaha, lakukan pemisahan uang pribadi dan usaha. Keperluan pribadi harus menggunakan uang pribadi, jika tidak dipisahkan hanya akan menggerogoti keuangan usaha. Dan hal ini dapat membahayakan neraca keuangan UKM.

Pastikan Anda menghitung keuntungan

Pelaku UKM harus senantiasa menghitung keuntungan secara tepat dan detail. Dalam proses penghitungan untung, yang paling penting dalam hal menghitung pembiayaan. Penghitungan untung juga harus dicadangkan untuk pembayaran pajak.

Awasi Perputaran Uang Kas

Pengusaha tidak hanya fokus pada keuntungan semata, tetapi juga memikirkan cara memutar uang kas. Manajemen dalam hal keuangan harus dapat mengelola utang, persediaan barang, dan piutang. Pelaku UKM harus mengusahakan secara sama dalam hal penjualan kredit dan pembelian kredit agar perputaran uang kas stabil.

Kontrol Kekayaan Usaha, Utang, dan Modal

Tahap ini menekankan pelaku UKM untuk lebih waspada dalam pengawasan sumberdaya, baik modal, utang,dan harta kekayaan usaha. Tentunya pelaku usaha harus selalu up to date ke tempat penyimpanan barang dan selalu mengecek adminstrasi utang atau tagihan kepada supplier. Pencacatan administrasi mengambil peran yang krusial dalam tahap pengawasan. Pelaku bisnis harus dapat membuat administrasi usahanya atau mempekerjakan bagian keuangan untuk mengurusnya. Terorganisirnya administrasi, menghindarkan pelaku usaha dari membayar ganda dan tagihan macet ke supllier.

Sebagian Keuntungan untuk Pengembangan Usaha

Jangan cepat puas dengan banyaknya keuntungan yang didapatkan, sisihkan sebagian keuntungan untuk mulai memikirkan inovasi serta pengembangan usaha untuk mengahadapi persaingan dari para kompetitor. Disini peran pelaku UKM dituntut bukan hanya berfokus dalam hal penjualan, melainkan juga membagi fokus pada manajemen keuangan UKM. Tentu dalam hal penyisihan keuntungan harus dipertimbangkan presentasenya sebaik dan sedetail mungkin.

Siapkan Dana Darurat

Dana darurat mempunyai fungsi yang sangat berarti untuk pelaku usaha terutama dalam menghadapi hal-hal diluar perkiraan. Dana ini sebetulnya menjadi keuntungan ketika usaha berjalan normal tanpa ada kendala yang pelik. Berbeda ketika terjadi hal yang tidak diinginkan, seperti terjadi musibah, pendapatan turun dengan adanya kompetitor, dan terjadi permasalahan keuangan. Sehingga keberadaan dana darurat mutlak harus disediakan sedari awal berjalannya usaha.

Tips keuangan di atas tentu akan memudahkan pelaku UKM dalam mengatur manajemen keuangan sehingga dapat terkontrol dengan baik dan terhindar dari hal-hal yang tidak diperkiraan sebelumnya.

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