{"id":9884,"date":"2010-08-26T23:02:15","date_gmt":"2010-08-26T23:02:15","guid":{"rendered":"https:\/\/www.its.ac.id\/news\/2010\/08\/26\/bank-solusi-permodalan-usaha-mahasiswa\/"},"modified":"2010-08-26T23:02:15","modified_gmt":"2010-08-26T23:02:15","slug":"bank-solusi-permodalan-usaha-mahasiswa","status":"publish","type":"post","link":"https:\/\/www.its.ac.id\/news\/bank-solusi-permodalan-usaha-mahasiswa\/","title":{"rendered":"Bank, Solusi Permodalan Usaha Mahasiswa"},"content":{"rendered":"<p>Ketika seseorang memutuskan berbisnis, ia tak akan bisa jauh-jauh dari <em>finance<\/em>. Sebab, lewat finance&nbsp; lah, seseorang akan dinilai kemampuannya mensirkulasikan modal yang dimilikinya. Begitu pula, mahasiswa ITS yang siap menerima kucuran dana tersebut. Meski mereka dinilai sudah berani mengambil resiko, mereka tetap butuh wacana mengenai perbankan dalam mengembangkan bisnisnya.<\/p>\n<p>Lucky Indah Permanasari, pembicara dalam pembekalan ini mulai memaparkan jenis usaha yang perspektif dalam kelayakan pembiayaan bank. Menurut Lucky, usaha yang masih berupa ide masih kurang layak untuk mendapat kucuran dana.<\/p>\n<p>Menurut Lucky, menciptakan bisnis dan memulai bisnis itu berbeda. Ia menyebutkan urutan tiga hal pokok bisnis meliputi produksi, pemasaran, dan keuangan yang menjadi pembeda. Jika menciptakan bisnis pemasaran menjadi hal utama. Sedangkan, ketika memulai bisnis, keuangan lah yang mendominasi. Disinilah, faktor perbankan dibutuhkan.<\/p>\n<p>Sebenarnya, ada lima kriteria penilaian bank bagi calon peminjam dana. Pertama, <em>character<\/em> yakni mendapatkan gambaran kemauan membayar calon nasabah sebelum dan sesudah permohonan kredit diajukan. \u00e2\u20ac\u0153Bisa diketahui apakah calon nasabah biasanya selalu menunggak pembayaran, \u00e2\u20ac\u0153 tambah lulusan Teknik Industri ITS tersebut.<\/p>\n<p>Kedua, capital yakni mengukur kemampuan dalam menyediakan modal sendiri (<em>own share<\/em>). Dalam penilaian capital ini, akan dilihat bagaimana perkembangan laba usaha selama dua sampai tiga periode terakhir. Namun, perusahaan yang sudah berdiri selama setahun juga bisa berkesempatan mendapatkan pembiayaan bank.<\/p>\n<p>Lucky menambahkan, <em>condition<\/em> dan <em>collateral<\/em> juga menjadi penilaian pihak bank. \u00e2\u20ac\u0153Kita meninjau siklus bisnis, pengolahan, dan pemasaran,\u00e2\u20ac\u009d ulas Lucky lagi. Untuk pemasaran, kondisi persaingan, barang substitusi yang beredar, potensi calon pesaing, dan peraturan pemerintah yang manjadi sorotan.<\/p>\n<p>Bagi Lucky, poin terakhir penilaian tak kalah penting dibanding keempat poin lain, yakni capacity. Yang dimaksud capacity disini adalah tingkat kemampuan mengembalikan kredit. Justru dalam penilaian tahap ini terdapat beberapa aspek. Mulai dari manajemen, produksi, pemasaran, personalia, dan financial. \u00e2\u20ac\u0153Nah, aspek financial itu kemampuan menghasilkan laba,\u00e2\u20ac\u009d ujar Lucky lagi.<\/p>\n<p>Lebih lanjut, Lucky menyebutkan usaha hanrus memiliki analisis keuangan, proyeksi arus kas, dan perhitungan fasilitas kredit. Ia pun mengajarkan pada peserta bagaimana melakukan perhitungan laba\/rugi per bulan. Tak lupa, ia juga memperlihatkan contoh perhitungankebutuhan kredit dibawah Rp 1 milyar.<\/p>\n<p>Melalui materi ini, Lucky berharap mahasiswa yang lolos PMW ini bisa memanfaatkan pembiayaan dari BNI apabila membutuhkan dana lagi selepas pengembalian dana dari ITS. \u00e2\u20ac\u0153Harus ditekankan bahwa uang hanya masalah awal suatu usaha yang bisa diatasi,\u00e2\u20ac\u009d pungkasnya. (esy\/yud) <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tahapan seleksi Program Mahasiswa Wirausaha (PMW) 2010 memang sudah usai. Namun, pihak ITS tak lantas berdiam diri sembari menunggu pencairan dana PMW. Rabu (25\/7), ITS kembali mengundang 36 tim yang lolos PMW 2010. Secara khusus, mereka diberi materi perbankan dengan menghadirkan pihak Bank Negara Indonesia (BNI).<\/p>\n","protected":false},"author":1,"featured_media":9885,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-9884","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita-utama"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bank, Solusi Permodalan Usaha Mahasiswa - ITS News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.its.ac.id\/news\/bank-solusi-permodalan-usaha-mahasiswa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank, Solusi Permodalan Usaha Mahasiswa - ITS News\" \/>\n<meta property=\"og:description\" content=\"Tahapan seleksi Program Mahasiswa Wirausaha (PMW) 2010 memang sudah usai. 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