Neraca

Keluarga Bisnis
per 31 Desember 2010

Aktiva
1. Aktiva lancar
1.1
Uang Kas / Tunai
1.2
Rekening giro
1.3
Tabungan
1.4
Deposito
1.5
Srt. Berharga
Total aktiva lancar
2. Aktiva tetap
2.1
Rumah
2.2
Tanah Ks.
2.3
Kendaraan
2.4
Brg. Elektronik
2.5
HP
2.6
Lainnya (emas)
Total aktiva tetap
Total Aktiva

Rp

1,000,000
6,500,000
7,500,000

1.08%
0.00%
7.02%
0.00%
0.00%
8.10%

61,000,000
11,000,000
8,325,000
1,500,000
3,240,000
85,065,000

65.90%
0.00%
11.88%
8.99%
1.62%
3.50%
91.90%

92,565,000 100.00%

Pasiva
3. Kewajiban
3.1
Kredit mobil
3.2
Kredit perumahan
3.3
Kartu kredit
3.4
Pinjaman bank
3.5
Kredit lainnya
Total kewajiban
4. Modal
4.1
Modal keluarga

Total Kewajiban & Modal

Rp
5,000,000
5,000,000

%
0.00%
0.00%
0.00%
0.00%
5.40%
0.00%
5.40%

87,565,000

94.60%

92,565,000 100.00%

Laporan Penerimaan - Pengeluaran

Keluarga Bisnis
Periode 1 Januari s/d 31 Desember 2010

5 Penerimaan :
5.1 Gaji suami & Istri (Sesudah pajak)
5.2 Penerimaan usaha (Sesudah pajak)
5.3 Bunga bank
5.4 Uang sewa / kontrak
5.5 Bonus, THR
Total penerimaan bersih (A)

Rp
14,400,000
24,000,000
650,000
1,500,000
40,550,000

6 Pengeluaran :
6.1 Pangan
6.2 Pakaian
6.3 Transportasi
6.4 Listrik, Telepon, PAM
6.5 Gaji pegawai, pembantu, dll
6.6 Cicilan
6.7 Iuran
6.8 Asuransi
6.9 Biaya pendidikan & Uang saku anak
6.10 Biaya pendidikan suami-istri
6.11 Biaya kesehatan
6.12 Tanggungan biaya selain anak
6.13 Rekening HP
6.14 Hiburan
6.15 Biaya lain-lain
Total pengeluaran bersih (B)

9,000,000
3,000,000
2,772,000
1,320,000
2,400,000
60,000
6,660,000
1,500,000
1,800,000
2,040,000
2,820,000
33,372,000

22.19%
7.40%
6.84%
3.26%
0.00%
5.92%
0.15%
0.00%
16.42%
0.00%
3.70%
0.00%
4.44%
5.03%
6.95%
82.30%

Selisih Penerimaan (A) - Pengeluaran (B)

7,178,000

17.70%

35.51%
59.19%
1.60%
0.00%
3.70%
100.00%

Budget Kas
Keluarga Bisnis
Jannuari s/d Desembe

Jan
Rp

Feb
Rp

Mar
Rp

Apr
Rp

5. Penerimaan :
5.1
Gaji suami & Istri (Sesudah pajak)
5.2
Penerimaan usaha (Sesudah pajak)
5.3
Bunga bank
5.4
Uang sewa / kontrak
5.5
Bonus, THR
Total penerimaan bersih (A)

1,200,000
2,000,000
65,000
3,265,000

1,200,000
2,000,000
59,167
3,259,167

1,200,000
2,000,000
64,167
3,264,167

1,200,000
2,000,000
66,667
3,266,667

6. Pengeluaran :
6.1
Pangan
6.2
Pakaian
6.3
Transportasi
6.4
Listrik, Telepon, PAM
6.5
Gaji pegawai, pembantu, dll
6.6
Cicilan
6.7
Iuran
6.8
Asuransi
6.9
Biaya pendidikan & Uang saku anak
6.10 Biaya pendidikan suami-istri
6.11 Biaya kesehatan
6.12 Tanggungan biaya selain anak
6.13 Rekening HP
6.14 Hiburan
6.15 Biaya lain-lain
Total pengeluaran bersih (B)

750,000
200,000
231,000
110,000
200,000
5,000
555,000
125,000
150,000
70,000
235,000
2,631,000

750,000
200,000
231,000
110,000
200,000
5,000
555,000
125,000
150,000
70,000
235,000
2,631,000

750,000
200,000
231,000
110,000
200,000
5,000
555,000
125,000
150,000
370,000
235,000
2,931,000

750,000
200,000
231,000
110,000
200,000
5,000
555,000
125,000
150,000
70,000
235,000
2,631,000

634,000

628,167

333,167

635,667

1,000,000

1,034,000

1,062,167

1,095,334

600,000

600,000

300,000

700,000

7,100,000
1,034,000

7,700,000
1,062,167

8,000,000
1,095,334

8,700,000
1,031,001

Selisih Penerimaan (A) - Pengeluaran (B)

Saldo awal kas
Pinjaman
Pengembalian pinjaman
Akumulasi pinjaman
Tabungan
Pengambilan tabungan
Akumulasi tabungan
Saldo akhir kas (min. Rp 1.000.000)

Budget Kas
Keluarga Bisnis
Jannuari s/d Desember 2011

Mei
Rp

Jun
Rp

Jul
Rp

Ags
Rp

Sep
Rp

Okt
Rp

Nov
Rp

1,200,000
2,000,000
72,500
3,272,500

1,200,000
2,000,000
77,500
3,277,500

1,200,000
2,000,000
78,333
3,278,333

1,200,000
2,000,000
83,333
3,283,333

1,200,000
2,000,000
89,167
3,289,167

1,200,000
2,000,000
91,667
3,291,667

1,200,000
2,000,000
97,500
3,297,500

750,000
200,000
231,000
110,000
200,000
5,000
555,000
125,000
150,000
70,000
235,000
2,631,000

750,000
500,000
231,000
110,000
200,000
5,000
555,000
125,000
150,000
370,000
235,000
3,231,000

750,000
200,000
231,000
110,000
200,000
5,000
555,000
125,000
150,000
70,000
235,000
2,631,000

750,000
200,000
231,000
110,000
200,000
5,000
555,000
125,000
150,000
70,000
235,000
2,631,000

750,000
200,000
231,000
110,000
200,000
5,000
555,000
125,000
150,000
370,000
235,000
2,931,000

750,000
200,000
231,000
110,000
200,000
5,000
555,000
125,000
150,000
70,000
235,000
2,631,000

750,000
200,000
231,000
110,000
200,000
5,000
555,000
125,000
150,000
70,000
235,000
2,631,000

641,500

46,500

647,333

652,333

358,167

660,667

666,500

1,031,001

1,072,501

1,019,001

1,066,334

1,018,667

1,076,834

1,037,501

600,000

100,000

600,000

700,000

300,000

700,000

700,000

9,300,000
1,072,501

9,400,000
1,019,001

10,000,000
1,066,334

10,700,000
1,018,667

11,000,000
1,076,834

11,700,000
1,037,501

12,400,000
1,004,001

Des
Rp

Jan s/d Des

Rp

1,200,000
2,000,000
103,333
1,500,000
4,803,333

750,000
500,000
231,000
110,000
200,000
5,000
555,000
125,000
150,000
370,000
1,235,000
4,231,000

14,400,000
24,000,000
948,334
1,500,000
40,848,334
9,000,000
3,000,000
2,772,000
1,320,000
2,400,000
60,000
6,660,000
1,500,000
1,800,000
2,040,000
3,820,000
34,372,000

572,333

6,476,334

1,004,001

1,000,000

500,000

6,400,000

12,900,000
1,076,334

12,900,000
1,076,334