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"Salah satu penggerak ekonomi terbesar di Indonesia merupakan usaha mikro kecil menengah (UMKM). UMKM berkontribusi positif terhadap Produk Domestik Burto (PDB). Sayangnya kebanyakan dari mereka masih tidak dikelola secara benar. Dalam penelitian ini, penulis menggunakan metode business coaching pada salah satu UMKM di Bekasi yang bernama RF Variasi Mobil. RF Variasi memiliki bisnis utama yang berfokus pada produk variasi mobil dan jok paten. Penulis menggunakan beberapa instrumen business coaching untuk mengumpulkan data kualitatif untuk memetakan kondisi UMKM dan gap, yang kemudian akan menghasilkan solusi untuk diimplementasikan. Seperti gap yang terefleksikan di analisis pareto yang menunjukkan masalah pada sistem pencatatan keuangan dan perencanaan pemasaran. Oleh karenanya penulis membuat perbaikan sistem pencatatan keuangan yang tadinya menggunakan Microsoft-Excel menjadi aplikasi Ipos4 dan membuat perencanaan pemasaran untuk produk Geotracker yang dimulai dari analisis industri, analisis kompetitif, analisis STP, penentuan harga, diskriminasi harga, promosi, dan strategi komunikasi pemasaran. Sebelum dilakukan perencanaan pemasaran, penulis mensurvei awareness dari merek Geotracker yang hasilnya menunjukkan tingkat awareness yang rendah, sehingga perencanaan pemasaran layak untuk dilakukan. Tujuan dari studi ini adalah untuk membantu RF Variasi untuk mengelola sistem pencatatan keuangan dan aktivitas pemasaran untuk memperbesar merek Geotracker.

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One of the most powerful economic drivers in Indonesia is Micro Small Medium Enterprises (MSMEs). They positively contribute to Indonesias Gross Domestic Product (GDP). Unfortunately, many of them are still not appropiately managed. In this research, we applied some business coaching methods on one of MSMEs in Bekasi, namely RF Variasi Mobil. Its core business is focused on selling variation products and cars upholstery patent service. Using business coaching instruments, we collected qualitative data for mapping the MSMEs condition and problem, then take  corrective action for improvement. The Pareto analysis for showing gaps reveals that financial system record and Geotrackers marketing plan are still concern. Thus, we restructured the financial system record from MS-Excel based to Ipos4 application-based and set marketing plan for Geotrackers product. W started examination from industry analysis, competitive analysis, segmenting, targeting, and positioning (STP) analysis, price setting, discrimination price, promotion, and marketing communication strategy. Before initiating a marketing plan, we surveyed about Geotrackers brand awareness and confirmed that Geotrackers marketing plan is eligible to be applied. This study helps RF Variasi in managing the financial record system and marketing activities to amplify Geotrackers brand."

"The purpose of this research was to determine the influence of leverage ratio, liquidity ratio, profitability ratio, the portion oi stocks owned by public firm size, and company ages on mandatory disclosure comprehensiveness o financial statement. The sample consisted of 80 manufacturing companies listed at Indonesia Stock Exchange from 2008-2010 selected using purposive sampling method. Descriptive statistics and the multiple regression method were used to analyze the hypotheses. The results of this research showed that only firm size that influence the mandatory disclosure positively and liquidity ratio that influence the mandatory disclosure negatively. This research also showed that there was no autocorrelation, multicollinearity, and heteroscedasticity."

""An updated new edition of the comprehensive guide to reading and understanding financial reportsFinancial reports provide vital information to investors, lenders, and managers. Yet, the financial statements in a financial report seem to be written in a foreign language that only accountants can understand. This new Eighth Edition of How to Read a Financial Report breaks through that language barrier, clears away the fog, and offers a plain-English user?s guide to financial reports. This updated edition features new information on the move toward separate financial and accounting reporting standards for private companies, the emergence of websites offering financial information, pending changes in the auditor?s report language and what this means to investors, and requirements for XBRL tagging in reporting to the SEC, among other topics. Makes it easy to understand what financial reports really say Updated to include the latest information financial reporting standards and regulatory changes Written by an author team with a combined 50-plus years of experience in financial accounting With this new edition of How to Read a Financial Report, investors will find everything they need to fully understand the profit, cash flow, and financial condition of any business"-- Provided by publisher."

"Tujuan dari studi ini adalah untuk menganalisis tantangan dan masalah, dan juga membantu salah satu Usaha Mikro, Kecil, Menengah (UMKM) yang bernama ZENMUAY yang berjalan di industri olahraga di Indonesia, untuk mencari solusi dari masalah yang dimilikinya. Studi ini sendiri memakai metode kualitatif. Berdasarkan analisis, ditemukan bahwa perusahaan memiliki masalah pada sistem pelaporan keuangan dan mereka perlu melakukan analisis kelayakan investasi untuk mengambil keputusan pada pilihan dimana mereka harus tetap menyewa tempat yang mereka pakai dengan harga sewa yang naik dari tahun sebelumnya atau pindah ke tenpat lain dengan harga sewa yang lebih murah dan tempat yang lebih besar. Kedua masalah dan tantangan tersebut di analisis dengan menggunakan analisis Five Forces Framework, SWOT, TOWS, Business Model Canvas, Segmenting, Targeting, dan Positioning (STP), dan Market Overview. Solusi yang disajikan untuk UMKM adalah dengan menggunakan aplikasi keuangan dari Bank Indonesia yang bernama Si-APIK untuk mengatasi masalah pada sistem pelaporan keuangan, dan melakukan analisis keuangan dengan menghitung net present value, internal rate of return, discounted payback period, dan profitability index sebagai dasar pengambilan keputusan.

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The aim of this study is to discuss challenges and problems, and also help one of the Micro, Small, and Medium Enterprises (MSMEs) called ZENMUAY that engaged in the sports industry in Indonesia, to find solutions to its problems. This study uses qualitative methods. Based on the analysis, it was found that the company had problem in financial reporting system and they are required to analyze their financial feasibility for making decision in either stay in their current place with the increase in lease price or move to other place with cheaper rent and bigger place. The problem and challenges analyzed by analyzing Five Forces Framework, SWOT, TOWS, Business Model Canvas, Segmenting, Targeting, and Positioning Analysis, and Market Overview. The solution provided for the MSME is to use financial application from Bank Indonesia, called Si-APIK for fixing their financial repot system, and analyze the investment feasibility through calculates net present value, internal rate of return, discounted payback period, and profitability index of the company."

"Tesis ini membahas mengenai pengembangan pemasaran melalui peningkatan identitas produk, perbaikan promosi, dan penambahan channel pada UMKM Kelapa Indung. UMKM Kelapa Indung bergerak pada industri makanan dan minuman, yang menjual produk serundeng. Metode analisis yang digunakan, yaitu STP, bauran pemasaran, peluang pasar, SWOT, dan Gap. Hasil yang diperoleh dari business coaching adalah peningkatan identitas produk dengan melakukan perubahan logo, pengembangan kemasan, perbaikan promosi dengan melakukan perbaikan media sosial dan penambahan website, dan penambahan channel secara online melalui media sosial dan secara offline melalui toko ritel, yaitu pasar swalayan dan pusat oleh-oleh.

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This thesis discusses about marketing development through product enhancement, promotion improvement, and channel addition for SME Kelapa Indung. SME Kelapa Indung engages in food and beverage industry that sells roasted coconut product. Analysis methods used is STP, marketing mix, market opportunity, SWOT, and Gap.

The results of business coaching are product identity enhancement by changing the logo and developing the packaging, online promotion improvement by improving social media and adding website, and channel addition by online through social media and by offline through retail stores, that is supermarket and merchandise center."

"Penelitian ini menjelaskan penerapan program business coaching yang dilaksanakan pada salah satu Usaha Mikro, Kecil dan Menengah (UMKM) di Indonesia yaitu ENF yang bergerak di industri makanan. Tujuannya adalah untuk mengeksplorasi potensi dan tantangan UMKM, menganalisis permasalahan yang dihadapi UMKM serta memberikan solusi terhadap permasalahan tersebut. Penelitian ini menggunakan metode riset kualitatif dan pengambilan data melalui wawancara, observasi dan dokumentasi, serta dianalisis secara eksternal dan internal dengan analisis PEST; analisis Porter Five Forces; proses bisnis; bisnis model kanvas (BMC); segmentasi, targeting dan positioning (STP), bauran pemasaran, SWOT dan TOWS. Analisis menunjukkan bahwa UMKM ENF menghadapi permasalahan terkait isu keuangan dalam penyusunan laporan keuangan dan evaluasi harga jual produk untuk mengetahui posisi di pasar. Untuk isu keuangan, penulis merekomendasikan aplikasi keuangan mobile berbasis Android yakni Akuntansi UKM untuk informasi keuangan secara sistematik dan akurat. Untuk isu lainnya, penulis merekomendasikan strategi cost-based pricing untuk menghitung ulang harga pokok penjualan dan memformulasikan harga jual baru berdasarkan markup per unit.

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This paper delineates the implementation of a business coaching program conducted in an Indonesian Micro Small Medium Enterprises (MSME), named ENF, operated in the food and beverage industry. The objectives of this study are to explore MSMEs potentials and challenges, analyze MSMEs problems, and provide solutions. This study is based on a qualitative method, which is gathering the data through interviews, observations and written documentations, and using several external and internal analysis tools, namely Pest analysis, Porters Five Forces, Business Process, Business Model Canvas (BMC), Segmentation, Targeting and Positioning (STP); Marketing Mix; SWOT and TOWS. The analysis shows that ENF is facing financial issues in preparing financial statements and evaluating the price setting. For the financial issues, we recommend using an Android-based mobile financial application called Akuntansi UKM to record financial information systematically and accurately. The application generates financial reports to improve the MSMEs performance. For the latter issue, we recommend cost-based pricing to recalculate the cost of goods sold and formulate price setting by markup per unit."

"Toko Emas XYZ merupakan UMKM yang bergerak dibidang jual beli perhiasan emas yang berlokasi di Jakarta Selatan. Dalam mencapai target pengembangan usaha toko, pemilik terkendala permasalahan internal, salah satunya adalah permasalahan dalam0bidang keuangan. Permasalahan dalam bidang keuangan yang dijumpai adalah masalah penyusunan laporan keuangan dan evaluasi strategi penetapan harga yang saat ini diterapkan oleh Toko Emas XYZ. Permasalahan penyusunan laporan keuangan timbul dikarenakan kurangnya pencatatan transaksi keuangan yang memadai dan terbatasnya pengetahuan pemilik toko akan akuntansi keuangan. Permasalahan evaluasi strategi penetapan harga muncul dikarenakan dalam penetapan harga yang saat ini dilakukan oleh pemilik hanya berdasarkan pada pengalaman tanpa disertai dengan data keuangan dan perhitungan yang memadai. Proses business coaching dilakukan dengan tujuan untuk membantu UMKM dalam menyelesaikan kedua permasalahan tersebut. Penelitian ini menggunakan pendekatan kualitatif dengan metode business coaching. Pengumpulan data dilakukan dengan in-depth interview, observasi dan studi dokumentasi. Beberapa alat analisis digunakan seperti STP, Marketing Mix, Business Model Canvas, Porters Five Forces, SWOT, Gap dan Pareto analysis. Hasil dari penelitian ini adalah penyusunan laporan keuangan toko dan evaluasi strategi penetapan harga.

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Jewelry Store, called XYZ, is a MSME engaged in buying and selling gold jewelry located in South Jakarta. In achieving the target of its business development, the owner faced several internal constrains, one of them is related to financial areas. The problem faces related to financial reporting and evaluation of pricing strategy applied by XYZ Store.  The problem of preparing financial statements arises because of the lack of adequate recording of financial transactions and the limited knowledge of the owners on financial accounting. The problem of evaluating the pricing strategy arises because in the price setting that is currently applied by the owner based solely on the owner experiences without supported by adequate financial data and calculation. The business coaching was carried out with the aim of helping MSMEs to prepare financial reports and evaluation of pricing strategy. This research used qualitative approach. Data were collected through in-depth interviews, observation and study of documentation. Several tools were used to analyse the data such as STP, Marketing Mix, Business Model Canvas, Porters Five Forces, SWOT/TOWS, Gap and Pareto analysis. The results of this study are preparation of financial statements and evaluation of pricing strategies."

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Hukum kepailitan di Indonesia diatur dalam UU No. 37 Tahun 2004 tentang Kepailitan dan PKPU. Keberlakuan UU KPKPU berpegang pada beberapa asas, diantaranya asas keseimbangan dan kelangsungan usaha. Namun demikian dalam penerapannya, UU KPKPU kerap tidak memenuhi asas-asas tersebut. Hal ini dikarenakan adanya penekanan pada pemenuhan hak-hak kreditor berupa penyelesaian utang yang kerap mengabaikan hak-hak debitor. Proses pemberesan dalam kepailitan seringkali meninggalkan debitor dalam kondisi finansial yang buruk, dimana sisa utang yang tidak terbayarkan selama proses kepailitan tetap akan mengikat harta debitor pasca kepailitan berakhir. Hal ini merugikan debitor, khususnya debitor perorangan dan UMKM karena akan berpengaruh pada kelangsungan hidup debitor pasca kepailitan. Untuk itu, diperlukan penerapan financial fresh start yang menekankan pada kepulihan kondisi finansial debitor pasca kepailitan melalui pembebasan sisa utang yang belum terbayarkan. Dengan metode penelitian yuridis normatif, skripsi ini menjabarkan penerapan financial fresh start di dua negara (Amerika Serikat dan Australia), dan membandingkan keduanya untuk menemukan kelebihan dan kekurangan dalam masing-masing bentuk penerapan. Penulis juga menjabarkan kemungkinan penerapan financial fresh start di Indonesia berkaitan dengan konsep pengakhiran perikatan berupa pembebasan utang dalam KUHPerdata. Penulis berkesimpulan bentuk penerapan financial fresh start dalam United States Code Title 11 (Bankruptcy) paling tepat untuk mengatasi permasalahan debitor perorangan dan UMKM, karena memberikan pilihan prosedur penyelesaian utang yang beragam. Fasilitas debt discharge dapat diterima oleh debitor UMKM berbentuk badan hukum di Amerika Serikat, namun tidak di Australia. Amerika Serikat juga memberikan pengecualian tertentu terhadap harta debitor yang dijadikan harta pailit untuk mendukung kelangsungan usaha selama proses penyelesaian utang.

Kata Kunci: Amerika Serikat, Australia, debitor, debt discharge, financial fresh start, perorangan, UMKM, UU KPKPU.

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Bankruptcy in Indonesia is regulated under Law Number 37 Year 2004 about Bankruptcy and Debt Payment Rescheduling. The law rely its implementation on some principles, which among those are; (a) balance, and (b) business continuity. Nevertheless, these principles are not always fulfilled by the law in its application. The bankruptcy law does not regard the debtors right as much as the creditors, as reflected on the purposes of the law which stated that the bankruptcy law is made mainly to fulfill debt payment instead of relieving debtors financial condition. Bankruptcy process in Indonesia often resulted in debtors financial adversity, leaving their property remain binded by unpaid debts. This condition is harmful to debtors, especially to individual and small business debtors, as it will affect their survival after bankrupted. Hence, it is important for Bankruptcy Law in Indonesia to adopt financial fresh start into its regulation. Financial fresh start, as stated in U.S Bankruptcy Code and Australian Bankruptcy Act 1966, emphasizes on the recovery of debtors financial condition after bankrupted by discharging unpaid debts. By using judicial normative research method, this thesis describes the implementation of financial fresh start in United States and Australia, as well as its comparation. The thesis also comprehend financial fresh start implementation in Indonesia with the similar concept of debt exemption as stated in Indonesian Civil Code. The thesis conclude that the implementation in United States is able to solve bankruptcy problem suffered by individual and small business debtors in Indonesia.

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