Meningkatkan Efektivitas Financial Flow Perusahaan Distributor Consumer Goods Melalui Layanan Supply Chain Financing Bank Danamon
MUHAMAD, GUNAWAN (Adv.: Sukmawati Sukamulja, Prof. Dr., M.M.), Sukmawati Sukamulja, Prof.Dr., M.M.
Sebagai salah satu mata rantai dalam supply chain management, perusahaan distributor dituntut untuk mampu melakukan peran yang optimal dalam mengalirkan produk dari principal kepada pelanggan atau mata rantai pasokan berikutnya. Dalam konsep rantai nilai industri, distributor merupakan “jembatan” yang akan dilalui oleh produk atau jasa untuk menghantarkan nilai produk/jasa tersebut sampai kepada pelanggan. Berdasarkan karakteristik bisnisnya, pengelolaan modal kerja dan manajemen keuangan pada perusahaan distribusi menjadi hal yang sangat penting untuk menjaga dan meningkatkan efektivitas dan efisiensi bisnis.
Untuk memfasilitasi kebutuhan tersebut, Bank Danamon meluncurkan sebuah program yang diberi nama supply chain financing. Program tersebut merupakan sebuah paket layanan perbankan yang bersifat integratif untuk mendukung perusahaan yang bergerak dalam sebuah sistem rantai pasokan. Melalui program supply chain financing, Bank Danamon menawarkan beberapa jasa dan fasilitas menarik yang dapat dimanfaatkan oleh perusahaan yang bergerak dalam rantai pasokan, untuk mendukung bisnis mereka.
Penelitian ini bertujuan untuk mendapatkan gambaran mengenai model program Supply Chain Financing Bank Banamon bagi perusahaan distributor consumer goods dan memahami karakteristik bisnis dan financial flow perusahaan distributor. Selain itu juga akan dianalisis dampak program supply chain financing bagi peningkatan financial flow perusahaan distributor. Metode penelitian yang digunakan adalah deskriptif analitis. Grand theory yang digunakan adalah teori manajemen keuangan khususnya tentang manajemen modal kerja dan pengelolaan arus kas (financial flow).
Hasil penelitian memperlihatkan bahwa program supply chain financing Bank Danamon menawarkan paket layanan berupa pembiayaan kredit modal kerja dan layanan pengelolaan kas (cash management service). Hasil analisis juga memperlihatkan bahwa karakteristik bisnis perusahaan distributor sangat sangat tergantung pada financial flow. Program supply chain financing dari Bank Danamon memberikan dampak pada optimalisasi financial flow yakni menurunkan cash conversion cycle. Penurunan cash conversion cycle terjadi melalui peningkatan days working capital (DWC) dan days payable outstanding (DPO) serta penurunan day sales outstanding (DSO) dan day of inventory (DOI). Program supply chain financing secara langsung memberikan dampak pada peningkatan days working capital (DWC) dan days payable outstanding (DPO). Dan secara tidak langsung memberikan dampak pada penurunan day sales outstanding (DSO) dan day of inventory (DOI).
As one of the links in the supply chain management, distribution companies is required to perform an optimal role in the product stream from the principal to the customer or the next supply chain. In the concept of industry value chain, the distributor is the "bridge" to be traversed by the product or service to deliver the product/service is up to the customer. Based on the characteristics of the business, working capital management and financial management at the company's distribution becomes very important to maintain and improve the effectiveness and efficiency of business.
To facilitate this need, Bank Danamon launched a program called supply chain financing. The program is a package of banking services that are integrated to support companies engaged in a supply chain system. Through its supply chain financing, Bank Danamon offers several services and facilities that can be utilized by companies to support their business.
This study aims to gain an overview of Bank DanamonÂ’s Supply Chain Financing program model for consumer goods distributors and to understand the business and financial characteristics of the distribution flows. They also analyzed the impact of supply chain financing program for the improvement of financial flow distributor. The method used is descriptive analysis. Grand theory that is used are working capital management and cash flow management.
The results showed that the supply chain financing program Danamon Bank offers a package of services such as financing working capital and cash management services. The analysis also showed that the characteristics of the distributor company's business is highly dependent on the financial flow. Supply chain financing program of Bank Danamon have an impact on the financial optimization of the lower cash flow conversion cycle. Decrease in cash conversion cycle days occur through an increase in working capital (DWC) and days payable outstanding (DPO) and the decrease in days sales outstanding (DSO) and days of inventory (DOI). Supply chain financing programs directly impact the increase in days working capital (DWC) and days payable outstanding (DPO). And indirectly impact on the reduction in day sales outstanding (DSO) and days of inventory (DOI).
Kata Kunci : supply chain financing, financial flow, cash conversion cycle, days working capital, days payable outstanding, day sales outstanding, days of inventory.
