{"id":15061,"date":"2021-08-27T08:04:25","date_gmt":"2021-08-27T00:04:25","guid":{"rendered":"https:\/\/immimpangkep.ponpes.id\/blogguru\/?post_type=blog&p=15061"},"modified":"2025-08-08T08:24:11","modified_gmt":"2025-08-08T00:24:11","slug":"bagaimana-caranya-membuat-laporan-keuangan-pribadi","status":"publish","type":"blog","link":"https:\/\/immimpangkep.ponpes.id\/blogguru\/blog\/bagaimana-caranya-membuat-laporan-keuangan-pribadi\/","title":{"rendered":"Bagaimana Caranya Membuat Laporan Keuangan Pribadi?"},"content":{"rendered":"

Oleh: Muhammad Farid Wajdi<\/strong><\/em> *)<\/p>\n

Related Post:\u00a0Meraih Sertifikasi Perencana Keuangan Syariah (AWP)<\/strong><\/a><\/p>\n

BLOGGURU<\/strong> – Bagaimana caranya membuat Laporan Keuangan Pribadi? Ya, tak banyak guru atau ustadz yang jeli mengelola keuangan pribadi, meski sebenarnya\u00a0\u00a0membuat laporan keuangan pribadi sebenarnya cukup sederhana kalau dibagi langkah demi langkah. Intinya, kita ingin melihat arus uang masuk, uang keluar, aset, dan kewajiban<\/strong> supaya bisa tahu kondisi keuangan kita secara jelas.<\/p>\n

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Berikut panduan lengkapnya:<\/p>\n

1. Tentukan Tujuan dan Periode Laporan. <\/strong>Pilih mau dibuat bulanan, triwulanan, atau tahunan<\/strong>. Hal ini dimaksudkan untuk\u00a0untuk kontrol pengeluaran, perencanaan investasi, atau analisis kesehatan keuangan.<\/p>\n

2. Catat Sumber Pendapatan. <\/strong>Caranya dengan membuat tabel atau daftar semua pemasukan selama periode tersebut yang mencakup pencatatan\u00a0Gaji utama,\u00a0<\/strong>Bonus, komisi,\u00a0Pendapatan usaha sampingan,\u00a0Hasil investasi (dividen, bunga deposito, sewa),\u00a0Lain-lain (misalnya penjualan barang)<\/p>\n

Contoh format:<\/strong><\/p>\n

\n
\n\n\n\n\n\n\n\n
Tanggal<\/th>\nSumber<\/th>\nJumlah (Rp)<\/th>\n<\/tr>\n<\/thead>\n
01\/08\/2025<\/td>\nGaji bulanan<\/td>\n5.000.000<\/td>\n<\/tr>\n
15\/08\/2025<\/td>\nPenjualan barang bekas<\/td>\n500.000<\/td>\n<\/tr>\n
Total<\/strong><\/td>\n<\/td>\n5.500.000<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n
<\/div>\n
3. Catat Semua Pengeluaran<\/strong><\/div>\n<\/div>\n

Pisahkan menjadi kategori pengeluaran supaya mudah dianalisis:\u00a0Kebutuhan pokok <\/strong>\u00a0(makan, transportasi, listrik, air),\u00a0Cicilan & utang:<\/strong> KPR, kartu kredit,\u00a0Hiburan & gaya hidup:<\/strong> nongkrong, belanja, langganan streaming,\u00a0Investasi & tabungan,\u00a0<\/strong>Pengeluaran tak terduga<\/strong><\/p>\n

Contoh format:<\/strong><\/p>\n

\n
\n\n\n\n\n\n\n\n\n
Tanggal<\/th>\nKategori<\/th>\nDeskripsi<\/th>\nJumlah (Rp)<\/th>\n<\/tr>\n<\/thead>\n
02\/08\/2025<\/td>\nMakan<\/td>\nBelanja bulanan<\/td>\n1.200.000<\/td>\n<\/tr>\n
05\/08\/2025<\/td>\nTransport<\/td>\nBBM motor<\/td>\n300.000<\/td>\n<\/tr>\n
10\/08\/2025<\/td>\nHiburan<\/td>\nBioskop<\/td>\n100.000<\/td>\n<\/tr>\n
Total<\/strong><\/td>\n<\/td>\n<\/td>\n1.600.000<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n
<\/div>\n
4. Hitung Selisih (Surplus \/ Defisit). <\/strong>Rumusnya adalah:<\/div>\n
<\/div>\n<\/div>\n<\/div>\n
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Surplus\/Defisit = Total Pendapatan \u2013 Total Pengeluaran<\/strong><\/p>\n<\/blockquote>\n<\/div>\n

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<\/div>\n<\/div>\n

Kalau hasilnya positif<\/strong>, berarti ada sisa uang (surplus). Kalau negatif<\/strong>, berarti pengeluaran lebih besar dari pemasukan (defisit).<\/p>\n

5. Buat Neraca Pribadi<\/strong><\/p>\n

Ini untuk melihat kekayaan bersih (net worth) antara\u00a0 Aset (<\/strong>tabungan, deposito, rumah, kendaraan, emas, saham) dan\u00a0Kewajiban <\/strong>(utang bank, cicilan, kartu kredit)<\/p>\n

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Kekayaan bersih = Total Aset \u2013 Total Kewajiban<\/strong><\/p>\n<\/blockquote>\n

6. Sajikan dalam Bentuk Laporan<\/strong><\/p>\n

Bentuk laporan bisa disusun berupa: Laporan Arus Kas Pribadi <\/strong>yang mencakup\u00a0Total pendapatan,\u00a0Total pengeluaran, dan\u00a0Surplus\/Defisit, dan\u00a0 Neraca Pribadi <\/strong>yang mencakup pencatatan tentang\u00a0Aset,\u00a0Kewajiban, dan\u00a0Kekayaan bersih.<\/p>\n

7. Gunakan Alat Bantu<\/strong><\/p>\n

Alat bantu yang dimaksud disini bisa berupa alat bantu Manual<\/strong>, seperti: buku catatan, Microsoft Excel,\u00a0Aplikasi<\/strong>, seperti: Money Lover, Finansialku, Catatan Keuangan, Monefy atau memakai\u00a0Google Sheets<\/strong> yang bisa otomatis buat grafik.<\/p>\n

Biar lebih mudah, silakan download:\u00a0template Excel laporan keuangan pribadi<\/strong> ini yang tinggal diisi tiap bulan, dan otomatis menghitung surplus, defisit, serta kekayaan bersih. (File ini punya tiga sheet:\u00a0Pendapatan<\/strong> \u2013 untuk mencatat semua pemasukan,\u00a0Pengeluaran<\/strong> \u2013 untuk mencatat semua biaya dan belanja, dan\u00a0Neraca<\/strong> \u2013 untuk mencatat aset, kewajiban, dan menghitung kekayaan bersih).<\/p>\n

Semoga bermanfaat adanya. Barakallahu fiikum. (*)<\/p>\n

(* Muhammad Farid Wajdi<\/strong><\/em>, Associate Wealth Planner (AWP)\/Alumni Pelatihan dan Sertifikasi AWP-Perencana Keuangan Syariah, yang diselenggarakan oleh Fak. Ekonomi Syariah Universitas Internasional Semen Indonesia (UISI) Tanggal 9-10 Agustus 2021.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n","protected":false},"author":1,"featured_media":15062,"comment_status":"open","ping_status":"closed","template":"","blog-kat":[105,746],"class_list":["post-15061","blog","type-blog","status-publish","has-post-thumbnail","hentry","blog-kat-artikel-esai","blog-kat-ekonomi-syariah"],"yoast_head":"\nBagaimana Caranya Membuat Laporan Keuangan Pribadi? - Blog Pesantren Modern Putri IMMIM Pangkep<\/title>\n<meta name=\"description\" content=\"Oleh: Muhammad Farid Wajdi *) Related Post:\u00a0Meraih Sertifikasi Perencana Keuangan Syariah (AWP) BLOGGURU - Bagaimana caranya membuat Laporan Keuangan\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/immimpangkep.ponpes.id\/blogguru\/blog\/bagaimana-caranya-membuat-laporan-keuangan-pribadi\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bagaimana Caranya Membuat Laporan Keuangan Pribadi? 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