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Solusi Krisis Global bagi Perusahaan Dagang

Ternyata, krisis global yang terjadi pada kuartal terakhir tahun 2008 tidak bisa dianggap enteng. Berlanjutnya krisis hingga tahun 2009 ini mulai dirasakan hingga ke sektor riil.

Krisis global, awalnya diperkirakan hanya akan memakan korban industri yang berkaitan dengan ekspor, ternyata telah merembet hampir ke semua sektor. Bahkan bidang IT yang semula diperkirakan tidak akan goyah, justru terjungkal dengan cepat. Ketua Umum Asosiasi Pengusaha Komputer Indonesia (Apkomindo), Suhanda Sujaya memprediksi penjualan komputer tahun 2009 bisa turun sampai 90%. Untuk itu para pedagang komputer membatasi persediaan hardware dan software.

Kenaikan kurs dolar membuat harga jual hardware mengalami kenaikan tajam, untuk jenis notebook kelas low end mengalami kenaikan antar 1 juta hingga 6 juta rupiah. Hal ini disebabkan sekitar 99% komponen hardware dan software notebook masih diimpor, sedangkan 1% merupakan branding lokal.

Tidak hanya itu, perusahaan IT dunia mengalami kejadian yang lebih parah lagi. Sebut saja Lenovo, produsen komputer terbesar ke 4 dunia ini menutup 3 pabriknya. Akibat krisis, laba Lenovo juga anjlok 78%. IBM dikabarkan akan memangkas sebesar 16.000 karyawanya diseluruh dunia.

Raja software dunia, Microsoft Corporation tak pelak juga ikut merasakan hantaman badai krisis dengan mem-PHK 5.000 karyawanya. Sedangakan Raksasa mesin pencari Google, meskipun tidak banyak melakukan PHK, pemberhentian 100 tenaga recruiter paling tidak telah memberi petunjuk bahwa google tidak akan merekrut banyak karyawan lagi tahun ini.

Bidang lain yang juga terkena imbas krisis global adalah bidang otomotif. Penjualan sepeda motor Indonesia pada bulan Januari 2009 telah terjadi penurunan sebesar 20,53%, dibandingkan dengan bulan yang sama tahun lalu. Sedangkan untuk pasar mobil Januari 2009 terjadi penurunan sebesar 23%.

Para pelaku bisnis dibidang penjualan bahan bangunan juga mengaku penjualanya turun hingga 50% pada awal tahun ini. Beberapa teman yang menjadi supplier beberapa merk customer goods terkenal di Indonesia, belakangan mulai menutup usahanya. Hal ini terjadi karena setelah terjadi penurunan permintaan yang tajam dari retailer, keuntungan yang dihasilkan tidak lagi mampu menutup biaya operasional. Hal ini menunjukkan terjadinya perlambatan ekonomi secara keseluruhan.

Negara-negara besar seperti Amerika, Jepang, Singapura telah mengeluarkan paket bantuan penyelamatan dengan nilai ratusan miliar dolar. Meskipun insentif tersebut tidak serta merta mengobati luka akibat krisis, setidaknya upaya pemerintah negara-negara tersebut menunjukkan pembelaan yang besar terhadap warganya.

Sayangnya pemerintah Indonesia hingga saat ini belum banyak berbuat untuk menanggulangi krisis ini. Mungkin masih terbuai dengan analisa yang berkembang pada akhir 2008 bahwa Indonesia memiliki basic ekonomi yang kokoh. Bahkan saat ini personel pemerintahan disibukkan dengan urusan pemilu, sehingga kebijakan-kebijakan yang diambil kadang tidak terfokus pada penanggulangan krisis, namun untuk meningkatkan popularitas belaka. Keberhasilan sedikit saja diekpos secara besar-besaran untuk meningkatkan citra diri, bahkan kadang-kadang keberhasilan semu juga ikut terekspos.

Forum ekonomi dunia di Davos, Swiss beberapa waktu lalu juga tidak menghasilkan langkah-langkah kongkrit dalam penanganan krisis global. Lebih dari 2.000 pengusaha dan pemimpin politik seluruh dunia telah menghabiskan waktunya selama 5 hari hanya untuk membahas permasalahan-permasalahan, bukan solusi. Davos hanya dijadikan lobi untuk kepentingan masing-masing, bukan kepentingan bersama.

Setelah Davos, April mendatang pemimpin negara-negara maju dan berkembang akan bertemu kembali pada forum G20 di London, Inggris. Apakah forum tersebut bisa diandalkan untuk menghentikan krisis ini? kita tunggu saja.

Namun kita tidak bisa terlalu lama menunggu. Diperlukan gerakan cepat untuk menyelamatkan perusahaan masing-masing. Beberapa langkah yang bisa ditempuh dalam menghadapi krisis global bagi perusahaan perdagangan diantaranya:

Antisipasi Jangka Pendek

1. Selamatkan Cash flow perusahaan anda. Omzet penjualan yang turun, apalagi ditambah lebih banyaknya penundaan pembayaran dari customer karena penurunan daya beli masyarakat akan menyulitkan pembayaran kewajiban-kewajiban perusahaan yang jatuh tempo saat ini. Kewajiban tersebut bisa berupa hutang dagang, pinjaman jangka panjang yang jatuh tempo saat ini, cicilan kredit kendaraan atau inventaris lain atau kewajiban lain yang jatuh tempo saat ini.

2. Tunda dulu pembelian inventaris, kecuali benar-benar mendesak dan melalui perhitungan yang matang.

3. Hindari membuat kredit baru, karena tidak satu orangpun yang bisa memastikan kapan krisis akan selesai, yang ada hanyalah prediksi yang tidak selalu akurat.

4. Pertahankan yang sudah ada sekarang dan tunda dulu investasi baru.

5. Lakukan pengetatan anggaran biaya, bila perlu biaya yang biasa dikeluarkan perusahaan dievaluasi lagi. Misalnya evaluasi kembali penggunaan AC, lampu dan peralatan listrik di kantor Anda, evaluasi penggunaan telepon kantor. Evaluasi penggunaan fasilitas karyawan yang diberikan kantor seperti kendaraan dan rumah dinas agar tidak menimbulkan banyak biaya perawatan yang sia-sia. Bahkan perusahaan tempat teman saya bekerja yang termasuk ATPM Mobil terkenal, sampai melakukan pengetatan penggunaan air toilet dan pembatasan pembuatan kopi bagi karyawanya.

6. Simpan dana pada bank yang sehat, upayakan bank pemerintah.

7. Evaluasi kembali kebijakan-kebijakan penjualan yang mengakibatkan kredit macet atau tempo bayar yang molor.

8. Gunakan software khusus untuk perdagangan. Dengan software ini anda bisa menganalisa secara mendalam dan akurat berkenaan dengan kebijakan stok, cash flow, analisa hutang/piutang, analisa penjualan dan analisa lain yang mendukung pengambilan keputusan secara tepat dan cepat. Dalam masa krisis, kesalahan pengambilan keputusan sedikit saja bisa berakibat fatal. Selain untuk pengambilan keputusan, software perdagangan juga mampu membantu kita melakukan efisiensi. Kebutuhan kita melakukan segalanya serba cepat dan akurat bisa ditopang secara penuh oleh software tersebut.

Penyelesaian Jangka Panjang

Penyelesaian jangka panjang tentunya akan menyangkut makro ekonomi yang tengah berjalan di dunia dan di Indonesia sendiri. Sejarah telah mencatat bahwa krisis yang terjadi berkali-kali selalu disebabkan oleh pola ekonomi kapitalis. Ada pola ekonomi yang telah terbukti tangguh menghadapi krisis. Pola perekonomian syariah telah membuktikan mampu lolos dari hantaman krisis 1997 dan 2008. Sebut saja perbankan syariah, saat perbankan lain mengalami kesulitan yang hebat selama krisis, bank syariah justru membuktikan mampu membukukan laba yang signifikan.

Masih segar dalam ingatan kita ketika pemerintah mengucurkan dana BLBI dalam jumlah yang sangat besar untuk menyelamatkan perbankan umum pada saat itu, Bank Muamalat yang merupakan bank syariah pertama di Indonesia sama sekali tidak membutuhkan suntikan dana tersebut dan terbukti mampu bertahan eksis hingga saat ini.

Saya berbicara ekonomi syariah disini tidak dalam kerangka agama, namun dalam kerangka sistem ekonomi yang bisa diterapkan oleh siapa saja, tidak harus yang beragama Islam.

Bagaimana implementasi sistem perekonomian syariah untuk perusahaan?

Pertama, perusahaan hanya akan menjalankan kegiatan perdagangan yang halal/positif baik produk maupun sistem perdaganganya. Tidak ada upaya tipu menipu atau upaya mendapatkan keuntungan diatas kerugian pihak lain. Pola mendapatkan keuntungan diatas keuntungan orang lain, saya rasa bisa berlaku umum, berlaku untuk siapa saja dan dimana saja. Ini adalah hal pokok yang akan membuat perusahaan tetap eksis.

Kedua, perlakukan karyawan sebagaimana pengusaha. Ajak semua karyawan untuk berfikir bagaimana memajukan perusahaan. Namun ajakan ini akan sia-sia jika tidak ditopang oleh sistem penggajian dan reward kepada karyawan. Pola penggajian tetap adalah penyumbang terbesar keroposnya sendi-sendi perusahaan. Buatlah sistem penggajian yang memungkinkan karyawan tumbuh besar sesuai dengan pertumbuhan perusahaan dan penyusutan seiring dengan penyusutan perusahaan.

Artinya disini ada pola bagi hasil dan bagi resiko. Pola ini yang memungkinkan karyawan tidak kehilangan semangat bekerja disaat perusahaan membukukan keuntungan yang sangat besar dan tidak menjadi beban perusahaan ketika perusahaan mengalami penurunan keuntungan.

Kenapa seperti itu? pada pola konvensional, karyawan cenderung kehilangan semangat kerja ketika perusahaan mendapatkan keuntungan yang semakin besar, namun gaji karyawan hanya bertambah sedikit atau bahkan tidak bertambah sama sekali. Biasanya perusahaan memberikan kenaikan gaji karyawan antara 10-15% pertahun, sehingga ketika terjadi peningkatan keuntungan perusahaan yang sangat pesat, akan menimbulkan kecemburuan. Disisi lain perusahaan harus hati-hati menaikkan gaji, karena sekali naik, akan sulit diturunkan, meskipun pada saat perusahaan mengalami kesulitan. Akhirnya yang terjadi adalah PHK, karena perusahaan tidak mampu menggaji lagi dan karyawan juga tidak mau diturunkan gajinya.

Pola bagi hasil dan bagi resiko sangat fleksibel dalam kenaikan dan penurunan gaji. Sehingga perusahaan tidak pernah terbebani oleh gaji karyawan yang terus meningkat. Semua berjalan realistik. Dengan begitu semua karyawan akan memiliki sikap yang sama dengan owner dalam hal kemajuan perusahaan. Merekapun bisa mengatakan “Berjuang untuk memajukan perusahaan atau mati bersama-sama”.

Mana yang lebih tangguh, dalam satu perusahaan terdapat hanya satu orang yang berjiwa enterpreneur atau terdapat puluhan, ratusan bahkan ribuan orang yang memiliki jiwa enterpreneur?

Artikel telah disadur kembali oleh:
Djoko Hamdani as Sejarawan Hamdina
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