Dalam membangun perusahaan atau jenis usaha yang ingin dikembangkan, kita harus sadar untuk terus memahami apa sebenarnya kecerdasan finansial. Ini merupakan satu hal yang penting, dimana kecerdasan finansial dalam kewirausahaan akan membantu kita memahami bagaimana pentingnya membuat perencanaan dan pengelolaan keuangan yang dimiliki.
Apa itu kecerdasan finansial?
Kecerdasan finansial biasa dikenal dengan istilah financial quotient (FinQ). Belajar dan memperdalam ilmu finansial dalam berwirausaha merupakan kewajiban. FinQ merupakan kemampuan suatu individu dalam memahami perencanaan dan penggunaan keuangan yang teratur dan baik.
Bagaimana cara mengukur kecerdasan finansial dari individu?
Tidak hanya ketika kita terjun di dunia bisnis, tetapi kita harus mulai mengetahui cara mengatur keuangan pribadi. Dengan mulai dari finansial pribadi, maka untuk keuangan di bisnis yang sedang dikembangkan jauh lebih tahu cara mengontrol dan mengaplikasikannya. Bagaimana cara mengukur kecerdasan finansial dari seseorang? Ada beberapa faktor yang bisa kita lihat:
- Kemampuan untuk dapat mengelola pendapatan. Semakin banyak seseorang menyisihkan uangnya agar ditabung maka akan semakin tinggi pula kecerdasan finansialnya.
- Memahami investasi dengan tepat dan mampu memilah instrumen investasi yang baik.
- Ukuran seseorang baik dalam kecerdasan finansial, dapat dilihat dari perencanaan uang pensiun dan memikirkan rencana untuk jangka panjang.
- Kemampuan agar bisa meningkatkan pendapatan yang ada secara berkala.
Tips meningkatkan kecerdasan finansial
Tentu saja kita wajib untuk mendalami kecerdasan finansial dalam kewirausahaan, oleh karena itu tips meningkatkan FinQ antara lain:
- Pembuatan laporan anggaran bulanan
Dalam berwirausaha, kita harus menyusun anggaran yang masuk maupun pengeluaran secara rutin. Hal yang pertama wajib dilakukan adalah dengan mencatat segala bentuk anggaran di perusahaan atau bisnis tersebut. Buatlah berdasarkan kategori yang sudah ditetapkan.
- Mempersiapkan dana darurat
Tips meningkatkan kecerdasan finansial dalam berwirausaha adalah dengan mempersiapkan data darurat. Kita tidak akan tahu apa yang akan terjadi nantinya dengan usaha tersebut. Tak pernah ada yang pasti saat mengembangkan bisnis. Pentingnya dana darurat akan membantu kita saat terjadi hal yang tidak diinginkan.
- Menghindari inflasi
Tidak banyak pelaku bisnis yang paham terkait inflasi apalagi pemula. Ia akan lebih banyak menghabiskan uang yang didapat daripada berusaha untuk membanyak penghasilan. Kebiasaan ini tentu harus dihindari, kita harus bisa mengukur mana kebutuhan yang utama dan tidak.
- Melakukan investasi
Terakhir untuk bisa meningkatkan kecerdasan finansial adalah dengan melakukan investasi. Jadi, kita memiliki pendapatan lain dari hasil investasi. Pilih instrumen investasi yang cocok dan tepat. Hal pertama adalah dengan menentukan tujuan investasi. Kecerdasan finansial akan sangat berperan penting untuk berkembangnya suatu usaha atau bisnis. Saham merupakan salah satu jenis investasi yang lumayan menguntungkan dengan minim resiko.
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