Benarkah Cash Flow Lebih Penting dari Profit?

Sebagai pengusaha, tentu kita sadar bahwa bisnis tidak bisa lepas dari cash flow. Sebab cash flow seperti aliran darah bagi tubuh manusia. Jika aliran darah lancar, tubuh sehat. Jika aliran darah tidak lancar, tubuh sakit. Berikut ini 3 jenis cash flow dan pengertiannya.

1. Operating Cash Flow (OCF) Operating Cash Flow adalah kas yang timbul dari kegiatan operasional perusahaan yang berkaitan dengan penerimaan, pengeluaran, pendapatan dan biaya-biaya. Kas inilah yang menggambarkan bagaimana perusahaan mendapatkan profit dan mengubahnya menjadi kas.

Contoh: penjualan tunai, uang muka, hutang lancar, pembelian inventori, pembayaran biaya operasional (listrik, telepon, air), pengiriman barang, gaji pegawai dan lain-lain. Jika OCF positif (+) artinya perusahaan sehat, jika negatif (-) artinya perusahaan sakit atau bleeding.

2. Investing Cash Flow (ICF) Investing Cash Flow adalah kas yang muncul dari kegiatan investasi atau yang berkaitan dengan jual-beli aset. Contoh: jual-beli property perusahaan, jual-beli saham perusahaan lain, reksadana, deposito, emas dan-lain-lain. Jika ICF positf (+) artinya uang masuk ke perusahaan. Jika ICF negatif (-) artinya uang keluar dari perusahaan.

ICF yang positif terus-menerus justru sebetulnya kurang baik sebab itu artinya pemegang saham/owner harus terus menyetor modal untuk membiayai perusahaan. ICF negatif (-) terus menerus justru bagus sebab artinya perusahaan menghasilkan uang untuk para pemegang saham.

3. Financing Cash Flow (FCF) Financing Cash Flow adalah kas yang muncul dari kegiatan hutang dari pihak lain. Contohnya pinjaman dari bank, pinjaman dari rentenir, pinjaman dari koperasi, dan pembayaran pokok hutang-hutang tersebut.

Financing Cash Flow dikatakan positif jika menerima hutang dan negatif jika membayar hutang. Namun Financing Cash Flow dikatakan baik jika menimbulkan dampak OCF yang positif, artinya uang yang masuk dari hutang menimbulkan peningkatan pendapatan. Sehingga perusahaan bisa membayar hutangnya.

Sebaliknya, jika OCF negatif, artinya berbahaya sebab uang yang masuk tidak menimbulkan keuntungan. Sehingga perusahaan belum bisa membayar hutangnya. Mana yang paling penting?

Nah dari ketiga jenis cash flow tersebut, yang paling penting dalam usaha adalah Operating Cash Flow (OCF), yaitu bagaimana perusahaan melakukan kegiatan yang menghasilkan profit dan mengubah profit tersebut menjadi kas. Dengan pertumbuhan kas inilah perusahaan bisa melakukan akumulasi modal dengan menambah aset. Selain itu perusahaan bisa membayar hutang pokok dan bunganya dengan lancar.

Jangan silau jika ICF kita positif, sebab itu baru langkah awal bahwa ada orang yang mau invest dengan memberikan modal usaha. Tapi uang itu nantinya tetap harus dikembalikan kepada pemilik modal dalam bentuk dividen. Hati-hati kalau FCF kita besar, jika OCF negatif dan uang yang kita peroleh dari hutang itu tidak bisa dikembalikan ke pemiliknya, artinya kita harus menjual aset yang kita miliki untuk membayar hutang.

Maka jumlah aset pun berkurang, tidak ada akumulasi modal. Kalau jumlah aset yang dimiliki ternyata lebih sedikit dari nilai hutangnya, artinya perusahaan kita pailit atau bangkrut. Dengan memahami ketiga jenis cash flow tersebut, mudah-mudahan kita tahu cara mengelolanya dengan lebih baik dan lebih efektif.

Semoga bermanfaat.

Sumber gambar: http://business.cashflowproblems.net/what-is-cash-flow.htm

Sumber Artikel: https://ilhamrizqi.com/2013/05/3-jenis-cash-flow/

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