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Published: 14 May 2020

The COVID-19 pandemic has affected not only our health but also our business and investment activities. Thus, President University held a webinar with the topic President University Webinar Series 2020: Business Insights on Friday (8/5).

Through this webinar, Dr. Josep Ginting, CFA., a financial consultant who is also a lecturer at Accounting Study Program President University presented the economic condition of Indonesia in the midst of the pandemic. He stated that the pandemic potentially demands the degradation of the bank loan interest rate. "This is the time to increase investment because of lower interest rate," Josep explained. He continued that the degradation of interest rate will open the opportunity for start-up companies or small and medium enterprises to develop their business through bank funding. However, the side effect is the bank will increase its risk tolerance from the loan.

Therefore, Josep explained that there are a number of things that we should pay attention to if we are aiming to acquire funding from the bank. "Real cashflow is important. Everyone can show their own budgeting, but if they can not show their financial statement performance, it's meaningless," he said.

After acquiring the funding, running the business in the midst of the pandemic has its own challenges. Dr. Dra. Genoveva, M.M., an entrepreneur and the Head of Management Study Program at President University, stated that we have to look back to the definition of an entrepreneur. "An entrepreneur should have an initiative, an idea to start a business. Then, under a pandemic situation like this, an entrepreneur is supposed to have innovation as well, on how this business should sustain, can be maneuvered to another direction, we have to be flexible about it," she explained.

Discussing funding and tips on running a business in the midst of the pandemic, a lot of questions were raised by the audience which were later discussed during the questions and answers session by the end of the webinar. Approximately 190 participants joined this webinar and gained valuable knowledge from the experts. (APW/SL)

 


 

Strategi Pendanaan dan Kiat Sukses Mempertahankan Bisnis di Tengah Pandemi

The COVID-19 pandemic has affected not only our health, but also our business and investment activities. Thus, it is important to know the best strategy to keep your business running well, choose the best financial programs for your investment, and improve your fund’s return. Let’s join our webinar for free and get an e-certificate after the event.

Pandemi COVID-19 tidak hanya mengganggu industri kesehatan, tetapi juga bisnis dan aktivitas investasi. Untuk itu, President University mengadakan webinar bertajuk President University Webinar Series 2020: Business Insights pada Jumat (8/5).

Melalui webinar ini, Dr. Josep Ginting, CFA., seorang konsultan keuangan sekaligus dosen Akuntansi President University memaparkan kondisi perekonomian Indonesia di tengah pandemi. Ia menyebutkan bahwa situasi pandemi berpotensi menuntut penurunan suku bunga kredit oleh bank. “Ini adalah waktu untuk memperbesar investasi karena turunnya suku bunga,” ujar Josep. Ia melanjutkan, penurunan suku bunga akan membuka kesempatan bagi perusahaan start-up atau UMKM untuk mengembangkan usaha melalui pendanaan bank. Namun, efek sampingnya, tentu bank akan meningkatkan toleransi risiko dari pinjaman.

Untuk itu, Josep menjelaskan, ada beberapa hal yang perlu diperhatikan jika ingin sukses mendapatkan pendanaan dari bank. “Real cashflow itu penting. Siapa saja bisa menunjukkan budgeting, namun jika tidak dapat menunjukkan performa financial statement-nya, ya percuma,” jelasnya. 

Setelah mendapatkan pendanaan, menjalankan bisnis di tengah pandemi tentu memiliki tantangan tersendiri. Dr. Dra. Genoveva, M.M., seorang entrepreneur dan Kepala Program Studi Manajemen President University, menyebutkan kita harus kembali ke definisi awal seorang entrepreneur. “Seorang entrepreneur harus memiliki insiatif, sebuah ide untuk memulai suatu bisnis. Kemudian dalam kondisi pandemi seperti ini, seharusnya seorang entrepreneur memiliki inovasi juga, bagaimana bisnis ini bisa bertahan, bisa beralih, kita harus fleksibel,” ujarnya. 

Genoveva menyarankan para pengusaha untuk mengkombinasikan berbagai sumber daya yang ada. Ia mengambil contoh bisnis restoran yang saat ini mungkin harus tutup karena dilaksanakannya PSBB. “Mungkin kita bisa bekerjasama dengan ojek online, untuk mengantarkan makanan yang didapat dari pemesanan secara online. Contoh lain, pabrik garmen yang tutup. Mereka yang memiliki keterampilan menjahit ini, sangat sayang kalau harus berhenti bekerja. Kita mungkin bisa menggandeng mereka untuk memproduksi APD untuk petugas medis atau mungkin masker untuk masyarakat,” jelasnya.

Membahas mengenai pendanaan dan kiat-kiat menjalankan bisnis di tengah pandemi, banyak pertanyaan muncul dari para audiens yang kemudian didiskusikan dalam sesi tanya jawab di akhir webinar. Kurang lebih 190 orang bergabung dalam webinar ini dan mendapatkan ilmu berharga dari para ahli. (SL)