{"id":6670,"date":"2025-10-06T08:45:23","date_gmt":"2025-10-06T08:45:23","guid":{"rendered":"https:\/\/bankumkm.id\/?p=6670"},"modified":"2025-10-06T08:49:01","modified_gmt":"2025-10-06T08:49:01","slug":"bpr-jatim-beri-tips-bijak-kelola-keuangan-kunci-umkm-naik-kelas","status":"publish","type":"post","link":"https:\/\/bankumkm.id\/bpr-jatim-beri-tips-bijak-kelola-keuangan-kunci-umkm-naik-kelas\/","title":{"rendered":"BPR Jatim Beri Tips Bijak Kelola Keuangan, Kunci UMKM Naik Kelas"},"content":{"rendered":"<p><strong>Surabaya \u2013<\/strong> Di tengah semakin ketatnya persaingan usaha, kemampuan pelaku UMKM dalam mengelola keuangan menjadi faktor penting yang menentukan keberlanjutan bisnis. Hal ini disampaikan oleh Achmad Shalahuddin Al Ayubi, yang akrab disapa Abi, selaku Penyelia Admin Kredit Bank UMKM Jawa Timur, saat memberikan literasi keuanan di Jatim Fest 2025 di Surabaya, 3 Oktober 2025.<\/p>\n<p>Menurut Abi, banyak pelaku UMKM yang unggul dalam hal produksi dan pemasaran, namun belum menata sistem keuangannya dengan baik. \u201cSering kali keuntungan usaha tidak dipisahkan dari uang pribadi. Akibatnya, pelaku usaha tidak tahu pasti apakah bisnisnya benar-benar menghasilkan keuntungan atau sekadar berputar di modal,\u201d ujarnya.<\/p>\n<p>Abi menjelaskan bahwa pengelolaan keuangan yang baik setidaknya mencakup lima aspek utama yang perlu dipahami dan diterapkan oleh pelaku UMKM:<\/p>\n<h6>1. Pisahkan pengelolaan uang usaha dengan pribadi<\/h6>\n<p>Langkah paling mendasar dalam menata keuangan usaha adalah tidak mencampur keuangan pribadi dan bisnis. Dengan pemisahan ini, pelaku UMKM dapat mengukur kinerja usahanya secara objektif dan lebih mudah menentukan kebutuhan modal kerja.<\/p>\n<h6>2. Buat penganggaran yang baik<\/h6>\n<p>Pelaku UMKM perlu membuat rencana anggaran bulanan yang mencakup estimasi pendapatan, biaya operasional, pembelian bahan baku, hingga alokasi keuntungan. \u201cDengan adanya anggaran, pelaku usaha punya pedoman dalam menggunakan uang dan bisa lebih disiplin,\u201d jelas Abi.<\/p>\n<h6>3. Lakukan pengendalian atau controlling yang ketat<\/h6>\n<p>Setiap transaksi keuangan, baik pemasukan maupun pengeluaran, perlu dicatat secara rutin. Pencatatan ini membantu pelaku UMKM mengetahui arus kas dan mendeteksi lebih awal jika terjadi pemborosan.<\/p>\n<h6>4. Sisakan keuntungan untuk membesarkan usaha<\/h6>\n<p>Jangan seluruh laba digunakan untuk konsumsi pribadi. Sebagian keuntungan sebaiknya dikembalikan ke bisnis untuk menambah stok, membeli peralatan baru, atau memperluas pasar. \u201cInilah cara sederhana agar usaha terus tumbuh dan naik kelas,\u201d tutur Abi.<\/p>\n<h6>5. Sisihkan keuntungan untuk tabungan dan dana darurat.<\/h6>\n<p>Abi mengingatkan pentingnya memiliki dana cadangan agar pelaku usaha siap menghadapi situasi tak terduga, seperti penurunan penjualan atau kebutuhan mendesak lainnya. \u201cKalau ada tabungan, pelaku UMKM tidak perlu bergantung pada pinjaman konsumtif,\u201d tambahnya.<\/p>\n<p>Sebagai mitra pertumbuhan UMKM, Bank UMKM Jawa Timur hadir dengan berbagai produk keuangan yang mendorong pelaku usaha lebih tertib dan sehat dalam mengelola modal. Mulai dari Tabungan <a href=\"https:\/\/bankumkm.id\/index.php\/sikemas\/\">SIKEMAS (Simpanan Kesejahteraan Masyarakat)<\/a>, hingga pembiayaan produktif seperti <a href=\"https:\/\/bankumkm.id\/index.php\/prokesra\/\">Kredit Prokesra (Program Kredit Sejahtera UMKM Jawa Timur)<\/a> dan <a href=\"https:\/\/bankumkm.id\/index.php\/pkpj\/\">Paket Kredit Petani Jawa Timur (PKPJ)<\/a>.<\/p>\n<p>\u201cMelalui program pembiayaan yang mudah diakses dan bunga rendah, kami ingin membantu pelaku usaha mengembangkan bisnisnya tanpa terbebani. Bank UMKM Jatim bukan sekadar lembaga keuangan, tapi mitra yang tumbuh bersama UMKM Jawa Timur,\u201d pungkas Abi.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Surabaya \u2013 Di tengah semakin ketatnya persaingan usaha, kemampuan pelaku UMKM dalam mengelola keuangan menjadi faktor penting yang menentukan keberlanjutan [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6671,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_angie_page":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"page_builder":"","_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BPR Jatim Beri Tips Bijak Kelola Keuangan, Kunci UMKM Naik Kelas - bankumkm.id<\/title>\n<meta name=\"description\" content=\"Kemampuan pelaku UMKM dalam mengelola keuangan menjadi faktor penting yang menentukan keberlanjutan bisnis. 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