{"id":43380,"date":"2026-10-22T19:22:30","date_gmt":"2026-10-22T12:22:30","guid":{"rendered":"https:\/\/feb.uns.ac.id\/feb\/?p=43380"},"modified":"2026-10-22T19:22:30","modified_gmt":"2026-10-22T12:22:30","slug":"bisnis-jalan-cashflow-aman-lab-kewirausaahan-feb-uns-bekali-mahasiswa-dan-umkm-gen-z-strategi-pengelolaan-keuangan-berkelanjutan","status":"publish","type":"post","link":"https:\/\/feb.uns.ac.id\/feb\/bisnis-jalan-cashflow-aman-lab-kewirausaahan-feb-uns-bekali-mahasiswa-dan-umkm-gen-z-strategi-pengelolaan-keuangan-berkelanjutan\/","title":{"rendered":"Bisnis Jalan, Cashflow Aman: Lab Kewirausaahan FEB UNS Bekali Mahasiswa dan UMKM Gen Z Strategi Pengelolaan Keuangan Berkelanjutan"},"content":{"rendered":"

Laboratorium Kewirausahaan Fakultas Ekonomi dan Bisnis (FEB) Universitas Sebelas Maret (UNS) menyelenggarakan workshop<\/em> kewirausahaan bertajuk “Bisnis Jalan, Cashflow Aman: Practical Financial Planning for Gen Z Entrepreneurs & UMKM” di Aula Konimex Gedung Bachtiar Effendi FEB UNS.<\/p>\n

Kegiatan ini dirancang khusus untuk memberikan pemahaman praktis mengenai perencanaan keuangan, pengelolaan arus kas (cashflow<\/em>), penetapan harga (pricing<\/em>), hingga analisis titik impas (Break Even Point<\/em>\/BEP) bagi mahasiswa dan wirausahawan muda.<\/p>\n

Kepala Laboratorium Kewirausahaan FEB UNS, Miftachul Ma’arif, S.E.I., M.M.,LSS.Cp. menjelaskan bahwa kegiatan ini lahir dari komitmen fakultas dalam membangun atmosfer kewirausahaan yang kondusif di lingkungan kampus.<\/p>\n

\"\"<\/p>\n

Dikatakan, berdasarkan pengamatan di lapangan, banyak mahasiswa yang telah merintis usaha bahkan mengelola lebih dari satu unit bisnis, namun sering kali menghadapi kendala operasional yang serius. Tidak sedikit unit usaha yang terpaksa gulung tikar dalam kurun waktu enam bulan pertama atau mengalami stagnasi tanpa arah pertumbuhan yang jelas.<\/p>\n

“Target bisnis itu kan tidak hanya sekadar profit<\/em>, ada pertumbuhan dan pembelajaran di sana. Setiap hari kita menemukan masalah yang perlu segera diselesaikan,” tegas Ma\u2019arif saat membuka acara.<\/p>\n

Ia menambahkan bahwa akar permasalahan utama yang kerap dialami pengusaha pemula adalah ketiadaan perencanaan keuangan yang matang serta pengambilan keputusan yang tidak didasarkan pada data faktual. Melalui pelatihan ini, mahasiswa didorong untuk memahami nilai aset dan mengelola keuangan secara terstruktur agar bisnis mampu bertahan dan berkembang secara berkelanjutan.<\/p>\n

Hadir sebagai narasumber utama, Dr. Anthon S. Tondo, S.E., M.B.A., Business Coach.<\/em><\/p>\n

\"\"<\/p>\n

Sebelum memasuki sesi materi inti, Dr. Anthon mencairkan suasana dengan mengajak seluruh peserta berdiri dan menyerukan yel-yel interaktif “Selamat Pagi UNS” untuk membakar semangat belajar mahasiswa.<\/p>\n

Dalam paparannya, Dr. Anthon menyoroti realitas persaingan dunia kerja saat ini, di mana kelulusan dari perguruan tinggi ternama dengan IPK tinggi sekalipun tidak menjamin seseorang terbebas dari risiko pengangguran. Oleh karena itu, pendidikan kewirausahaan menjadi krusial untuk membentuk keunggulan bersaing.<\/p>\n

“Pendidikan kewirausahaan itu penting supaya kalian punya keunggulan kompetitif yang orang lain tidak punya, sehingga bisa mandiri,” ungkap Dr. Anthon di hadapan puluhan peserta.<\/p>\n

Untuk menginspirasi peserta, ia membagikan studi kasus wirausahawan muda alumni mahasiswa yang sukses mengembangkan usaha kuliner lokal (Bakso Sejahtera) berkonsep startup<\/em>. Dengan memanfaatkan strategi segmentasi pasar yang unik (customer segmentation<\/em>) serta eksekusi yang tepat, usaha tersebut berhasil meraih omzet hingga puluhan miliar rupiah.<\/p>\n

Memasuki materi teknis, Dr. Anthon mengupas karakteristik wirausahawan Gen Z yang akrab dengan dunia digital dan social commerce<\/em>, namun rentan terhadap keputusan impulsif, perang diskon, serta krisis disiplin finansial.<\/p>\n

Ia memaparkan empat jebakan utama keuangan startup<\/em> (Startup Money Traps<\/em>), yaitu Discount Trap<\/em> (diskon berlebih yang mengikis margin), Inventory Trap<\/em> (penumpukan stok yang mengikat kas), Lifestyle Trap<\/em> (pencampuran uang pribadi dan usaha), serta Platform Fee Trap<\/em> (pengabaian biaya komisi digital).<\/p>\n

Untuk menghindari jebakan tersebut, peserta dibekali lima prinsip utama disiplin keuangan: memisahkan rekening pribadi dan usaha (Separate<\/em>), mencatat setiap transaksi (Record<\/em>), merencanakan belanja (Budget<\/em>), memantau saldo kas (Monitor<\/em>), serta melakukan evaluasi kinerja secara berkala (Review<\/em>).<\/p>\n

\"\"<\/p>\n

Dr. Anthon juga menekankan perbedaan mendasar antara laba dan kas melalui prinsip popular “Profit is an Opinion, Cash is a Fact”<\/em> serta “Profitability keeps a business attractive, cash flow keeps it alive”<\/em>. Penjualan memang menghasilkan pendapatan, tetapi penagihan dan arus kas masuk nyata itulah yang menjaga keberlangsungan operasional usaha sehari-hari.<\/p>\n

Penyelenggaraan workshop kewirausahaan ini menjadi bukti nyata komitmen FEB UNS dalam mendukung pencapaian <\/span>Sustainable Development Goals (SDGs), khususnya <\/span>SDG 8 (Pekerjaan Layak dan Pertumbuhan Ekonomi) dan <\/span>SDG 4 (Pendidikan Berkualitas).<\/span><\/p>\n

\n","protected":false},"excerpt":{"rendered":"

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