SUMBER-SUMBER PENAWARAN MODAL

Summary

The speaker discusses the sources of capital for a company, distinguishing between internal and external sources. Internal sources include retained earnings and depreciation, while external sources encompass borrowings and equity. The speaker also covers the concept of retained earnings being reinvested at a rate higher than the cost of capital for emergency preparedness or expansion. Additionally, the script touches on the differences between foreign and domestic capital, emphasizing the varying interests and influences of stakeholders. The speaker concludes by explaining the direct and indirect transfer of capital and encourages further research on the topic.

Takeaways

• 💼 The discussion is about sources of capital provision for a company, presented by a financial manager named Aries.
• 🏦 Internal sources of capital include retained earnings, which depend on dividend policies and plowing back profits.
• 💹 External sources of capital can come from suppliers, banks, and capital markets.
• 📈 Retained earnings should ideally be invested at a rate higher than the cost of capital to prepare for emergencies or expansion.
• 📊 Depreciation is a value that depends on the method used by the company and is used to replace assets.
• 🌐 There are two types of external capital: foreign capital, which is primarily concerned with the interests of creditors, and owner's capital, which is interested in the continuity and safety of the company.
• 📋 Owner's capital can influence company policy, while foreign capital is temporary and works together within the company.
• 💵 Capital can also be obtained from suppliers in the form of credit sales, from banks as credit institutions, and from capital markets where shares are bought and sold.
• 🏢 The creation of money or credit by banks is a form of capital provision, where banks lend out deposited money to create a multiplier effect.
• 🔄 There are direct and indirect methods of capital transfer; direct involves giving capital directly to the company, while indirect involves going through financial institutions like banks or finance companies.
• 📝 The session concludes with a reminder to complete the assigned tasks and a greeting in Arabic, indicating the cultural context of the discussion.

Q & A

What is the main topic of the discussion in the transcript?

The main topic of the discussion is about the sources of capital and how they are structured, including internal and external sources.

What does 'Intan' or 'Internal Storage' refer to in the context of the transcript?

In the context of the transcript, 'Intan' or 'Internal Storage' refers to the capital that is formed or generated within the company itself, meaning it is sourced from the company's own assets.

What are the examples of 'External Storage' mentioned in the transcript?

Examples of 'External Storage' mentioned in the transcript include borrowings or loans, and capital from external parties like banks and the capital market.

What does the term 'Laba Ditahan' mean and how is it determined?

'Laba Ditahan' refers to retained earnings, which are determined based on the company's dividend policy and plowing back policy, meaning earnings are reinvested rather than distributed as dividends.

How is depreciation used in the context of a company's capital?

Depreciation is used to calculate the value of assets over time, and the accumulated depreciation can be used to replace assets or to expand the business, depending on the company's policy.

What are the differences between 'Modal Sendiri' and 'Modal Asing' as discussed in the transcript?

In the transcript, 'Modal Sendiri' refers to capital that is interested in the continuity, smoothness, and safety of the company, while 'Modal Asing' refers to capital that is more concerned with its own interests, such as the interests of creditors, and may not have an influence on the management of the company.

How can a company obtain capital from suppliers according to the transcript?

A company can obtain capital from suppliers by purchasing goods on credit, which means the payment for goods is deferred over a period, allowing the company to use the capital for other needs.

What role do banks play in providing capital to companies as per the transcript?

Banks play a role in providing capital to companies by offering credit in the form of loans, which can be used for various business needs such as purchasing machinery or constructing buildings.

What is the significance of the capital market as a source of capital according to the transcript?

The capital market is significant as it is a place where investors (those with surplus capital) and issuers (companies needing capital) meet to exchange securities, allowing companies to raise funds through the sale of shares.

What are the two ways of capital transfer mentioned in the transcript?

The two ways of capital transfer mentioned are direct transfer, where the capital provider directly gives the capital to the company or party needing it, and indirect transfer, which involves intermediaries such as banks or financial institutions.

How does the concept of 'intensification of money use' relate to capital formation as discussed in the transcript?

The concept of 'intensification of money use' relates to capital formation by describing how banks can create credit and lend out deposited money from society, effectively multiplying the amount of capital available for businesses.

Outlines

00:00

📚 Introduction to Capital Sources

The speaker begins by introducing themselves and the topic of the meeting, which is about discussing capital sources. They explain that capital can be divided into internal and external sources. Internal sources refer to funds generated within the company, such as retained earnings, depreciation, and reinvestment. The speaker emphasizes the importance of retained earnings and how they should ideally be reinvested at a rate higher than the cost of capital to prepare for emergencies or expansion. Depreciation is also discussed as a value that depends on the method used by the company, and it is used to replace assets. External sources include foreign capital and the company's own capital, such as loans and shareholder equity. The speaker differentiates between the interests of different stakeholders, such as creditors and shareholders, and how they influence the company's operations.

05:01

🏦 External Capital Sources and Bank Intensification

In this paragraph, the speaker elaborates on external capital sources, mentioning suppliers, banks, and the capital market as potential sources. They discuss how suppliers can provide credit for purchasing goods, effectively acting as lenders. Banks are highlighted as institutions that offer credit in various forms. The capital market is described as a place where investors and companies meet to exchange securities, with companies going public to raise capital through share sales. The concept of money creation by banks is introduced, explaining how banks can create credit and intensify the use of money by lending out deposits. The speaker uses examples to illustrate how banks can transform deposits into loans for other businesses, effectively multiplying the use of capital.

10:02

🔄 Modes of Capital Transfer

The final paragraph discusses the modes of capital transfer, which can be direct or indirect. Direct transfer implies that capital providers give funds directly to the company needing capital. Indirect transfer, on the other hand, involves intermediaries such as banks or financial institutions. The speaker uses examples to clarify the difference between direct and indirect capital transfer, such as a company approaching a bank for a loan instead of receiving direct investment. The paragraph concludes with a summary of the lecture's key points and a reminder for attendees to complete their assignments. The speaker also invites questions and closes with a greeting, indicating the end of the session.

Keywords

💡Internal Source

An internal source of capital refers to funds generated from within the company itself. This is a key concept in the video as it discusses how companies can finance their operations and growth. In the script, internal sources are mentioned as funds that are 'formed or generated within the company,' such as retained earnings or depreciation. These are crucial for reinvestment and can be used to weather emergencies or fund expansion.

💡External Source

External sources of capital are funds that come from outside the company, such as loans or equity from investors. This is important in the video's discussion on financing because it highlights alternative ways companies can raise capital. The script mentions examples like 'credit from banks' or 'capital markets' as external sources.

💡Retained Earnings

Retained earnings are profits that a company retains instead of paying out as dividends. They are a form of internal financing discussed in the video. The script explains that retained earnings depend on 'dividend policies and plowing back policies,' and they should ideally be reinvested at a rate higher than the cost of capital to ensure the company's growth and preparedness for emergencies.

💡Depreciation

Depreciation refers to the allocation of the cost of a tangible asset over its useful life. It is mentioned in the context of how companies manage their assets and finances. The script uses depreciation as an example of an internal source of capital that can be used to replace assets or to expand the business.

💡Supplier Credit

Supplier credit is a form of trade credit extended by suppliers to their customers, allowing them to purchase goods on credit. In the video, supplier credit is discussed as a source of external capital. The script gives an example where a company might buy machinery with a '5-10 year payment plan,' which is a form of supplier credit.

💡Bank Credit

Bank credit involves borrowing money from a financial institution. The video discusses bank credit as a way for companies to obtain external capital. The script mentions that banks have the role of providing credit, which can be used for various business needs such as purchasing machinery or building infrastructure.

💡Capital Market

A capital market is a financial market where businesses can raise long-term capital by issuing debt or equity-based securities. In the video, the capital market is mentioned as a source of external capital. The script explains that companies can go public and sell shares to raise capital, which is a process involving the capital market.

💡Interest

Interest is the cost of borrowing money, typically paid to lenders or banks. The video discusses interest in the context of external capital sources. The script mentions that certain types of capital, like loans, have interest burdens, which are important considerations for companies when deciding on financing options.

💡Equity

Equity refers to the ownership interest in a company. It is discussed in the video as a form of capital that can be raised through the issuance of shares. The script explains that equity can be sourced from stakeholders who own shares in the company, which is a form of capital that does not have to be repaid and represents ownership in the business.

💡Liquidation

Liquidation in the context of the video refers to the process of converting assets into cash to meet obligations, such as paying off creditors. The script mentions that certain types of capital have priority in liquidation, which means they are paid back before others if the company is wound up.

💡Guaranteed Capital

Guaranteed capital is a type of financing where the investor's capital is protected or guaranteed to be returned. The video discusses this in relation to certain types of capital that have preferential treatment in case of liquidation. The script explains that guaranteed capital has priority over other forms of capital, ensuring its return to investors before others are paid.

Highlights

Introduction to the meeting and the topic of discussing capital sources.

Definition of internal capital sources as funds generated within the company.

External capital sources are funds that come from outside the company, like loans or credit.

Main sources of capital include suppliers, banks, and capital markets.

Retained earnings are a significant internal capital source, depending on dividend and reinvestment policies.

Retained earnings should ideally be invested at a rate higher than the cost of capital.

Depreciation is a value that depends on the method used by the company and is used to replace assets.

External capital can come from foreign capital and the company's own capital.

Foreign capital is primarily concerned with the interests of creditors and is temporary.

Own capital is interested in the continuity, smooth operation, and safety of the company.

Own capital can influence the company's policies and internal politics.

Capital can be guaranteed and have preferential rights before own capital in liquidation.

Foreign capital used in the company is for an unspecified or unlimited time.

Capital can also be obtained from suppliers, banks, and capital markets.

Suppliers can provide capital in the form of credit sales.

Banks and financial institutions provide credit in the form of loans.

Capital markets are places where investors and issuers meet to exchange securities.

The process of capital creation can occur through savings, bank credit creation, or intensification of money usage.

Direct capital transfer means the capital provider gives capital directly to the company or party in need.

Indirect capital transfer involves financial institutions like banks or credit agencies.

The conclusion emphasizes understanding the sources of capital and the methods of capital transfer.

The speaker apologizes for any mistakes and looks forward to the next meeting.

Transcripts

Halo

assalamualaikum warahmatullahi

wabarakatuh

adanya pertemuan kali ini saya real

Enemy karakter MB Shine dari manajer

keuangan

akan membahas tentang lemon kita yang

kedua yaitu

sumber-sumber penawaran modal disusun

oleh saya sendiri relief lingkar Aries

mm

eh dimana sebagai buku ajar nya acuannya

yaitu dari buku memang Riyanto dari Desa

pembelanjaan perusahaan

edisi ke-4

nah sumber penawaran ini ada menurut

asalnya gimana sumber penolong menurut

asalnya itu ada dari sumber Intan atau

internal storage yaitu modal yang

dibentuk atau dihasilkan sendiri didalam

perusahaan jadi yang dimaksud Disini

kecilkan dalam perusahaan itu berarti

dalam bentuk ke-3 itu yah dalam bentuk

aset

sedangkan kalau sumber ekstern atau

external storage yaitu perusahaan model

yaitu yang berasal dari luar misalkan

kayak adanya pinjaman kredit itu ya

Terus eh apa namanya kita lanjut ke

seadanya sumber penularan utama soalnya

itu ada dari supplier ada dari bank dan

pasar modal sebagai sumber stand utama

lanjut untuk sumber X Intan atau

internal storage ini yang tadi saya

Sebutkan ada laba ditahan laba ditahan

ini merupakan besarnya tergantung

deviden polisi dan plowing abak polisi

atau Penanaman kembali

lobeka hendaknya dijalankan selama dapat

diinvestasikan dengan rap offsetyrn yang

lebih gini daripada cost of capital nya

lobek hendaknya dapat menjadi persiapan

menghadapi kondisi darurat atau untuk

ekspansi jadi di sini

eh apa namanya untuk laba ditahan itu

sebagai salah satu contohnya misalkan ya

teman-teman memiliki

perusahaan-perusahaan ini aku dapat laba

sebesar 100 100 juta gitu jadi 100 juta

ini yang dipakai untuk produksi hanya

50821911 hiasi

depresiasi ini merupakan nilai yang

lebih itung tergantung metode depresiasi

digunakan perusahaan jadi sementara

waktu sebelum akumulasi depresiasi

dimanfaatkan untuk menggantikan aktiva

tetap dapat digunakan untuk membelanjai

perusahaan meskipun wah yang terbatas

sampai saat mimpian tersebut jadi

depresiasi ini

digunakan perusahaan tergantung

kebijakan ya di sini sebagai contoh

misalkan keaktifan tetap goyah kalau

untuk depresiasi Halo Ada sumber ekstern

yang berasal dari luar itu ada dari

modal asing dan modal sendiri Kalau

modal sendiri seperti kreditur ya kita

pinjaman itu terus kalau ada modal

sendiri isinya ada pemilik dan serta

atau mengambil bagian dalam perusahaan

Jadi kalau model sendiri itu kayak dari

stakeholders itu yang punya saham itu ya

Nah ini perbedaannya nih temen-temen

kali khas sendiri ada modal hasil mulai

sendiri kalau model asin modal yang

terutama memperhatikan kepada

kepentingannya sendiri yaitu kepentingan

kreditur

kalau ada modal yang tidak mempunyai

pengaruh terhadap penyelenggaran

perusahaan lalu modal dengan beban bunga

Aapa memandang adanya keuntungan dan

kerugian lalu modal yang hanya sementara

turut bekerja sama di dalam perusahaan

dan kelima ada modal yang dijamin modal

yang mempunyai hak didahulukan atau hak

preferen sebelum Modal sendiri di dalam

likuidasi

sedangkan Kalau modal sendiri itu

perbedaannya dia modal terutama tertarik

dan berkepentingan terhadap kontinuitas

kelancaran dan keselamatan perusahaan

jadi dia mementingkan perusahaannya

terus modal yang dengan kekuasaannya

dapat mempengaruhi politik perusahaan

jadi dia berpengaruh katakan di sini

orang internal ya orang dalamnya gitu

terus ada modal yang mempunyai hak atas

melaba sesuai pembayaran bunga kepada

model asing Laudya modal yang digunakan

didalam perusahaan untuk waktu yang

tidak terbatas atau tidak tertentu

Amaliah kata ini sendiri jadi nggak ada

waktunya mau 10 tahun 20 tahun itu

panjang sekali asing kan Serikat oleh

Kreo pemberi modal kita karena kita

disini jadi peminjam modal Nah ini kan

Kalau modal asing untuk ada jangka waktu

terus yang kelima Modal sendiri itu

model yang menjadi jaminan dan haknya

adalah sudah modal asing di dalam

likuidasi seperti itu perbedaannya

teman-teman bisa Googling di internet

keep agar bisa lebih paham

Nah ada supplier ada bank dan pasar

modal Jadi selain dari modal

internal dan modem eksternal modal juga

bisa didapat dari supplier dari bank dan

pasar modal kalau supplier sendiri dana

dalam bentuk penjualan barang secara

kredit itu yah misalkan teman-teman

disini supplier nya atau menjual mesin

gitu ya penjual mesin kita membeli mesin

beli mesinnya itu eh dengan pembayaran

5-10 tahun gitu ya Nah ini sebut

dikatakan supplier karena kita membeli

halo halo mesin dengan jangka waktu

ditolong kredit dicicil ibarat itu terus

ada dari bank-bank ini lembaga keuangan

yang mempunyai tugas memberikan kredit

dana dalam bentuk kredit Jadi kalau

misal tadi supplier lebih ke kita

kreditnya lebih ke yang sesuai kita

butuhkan saat kita butuh buat mesin kita

berarti cari yang pemasok mesin kita

beli di supplier yang tapi kalau Bang

kita bisa buat pembangunan gedung Kita

juga bisa buat produksi pokoknya banyak

hal itu ya yang penting untuk

pengembangan

model kita harus bisa juga dari pasar

modal disini lebih ke saham tempat

mempertemukan pemodal dan emiten atau

pertemuan antara pihak yang memiliki

kelebihan dana dengan pihak yang

membutuhkan dana dengan cara

memperjualbelikan sekuritas atau

intermediary jadi misalkan nih ataupun

teman nah perusahaan teman-teman udah

Gopal go public gitu ya udah dimilikin

sama orang-orang Ya udah teknik Karan

Nadia disini pemilik masa hamil banyakan

otomatisnya kita menunggu adanya

penjualan saham gitu ya Atau enggak ada

yang beli saham ciptaan itu masuk ke

pasar modal jadi misalkan ketika ada

yang beli saham kita otomatis kita akan

menerima modal ini

disebut dengan pembelian modal dari

pasar modal seperti itu

Lalu ada sumber penawaran eh modal

menurut cara terjadinya kalau tadi

menurut asalnya Santolo ini menurut cara

terjadinya chatter jadinya dalam bentuk

tabungan ada belum ada bentuk penciptaan

atau kreasi uang atau kredit oleh bank

Lalu ada intensifikasi penggunaan uang

kalau tabungan di sini pendapatan yang

tidak dikonsumsi er lalu digunakan untuk

kepentingan konsumen seperti itu How the

penciptaan atau kasih uang atau kredit

oleh bank gimana penciptaan disini

berarti penciptaan penawaran modal yaitu

penciptaan uang giral melalui bank atau

bank-bank dagang

serta ada juga tentang

intensifikasi penggunaan uang disini

dilakukan oleh bank dengan cara

meminjamkan kembali uang uang yang

disimpan masyarakat di bank jadi kalau

tabungan di sini Um pendapatan yang

digunakan untuk konsumsi tapi kalau

penciptaan kredit oleh bank ini berarti

si Bang dia menciptakan uang Eh di mana

uangnya itu bisa digunakan untuk modal

lu kalau untuk intensifikasi disini juga

dengan oleh Bang dia meminjamkan kembali

uang yang disimpan masyarakat di bank

jadi Halo intensifikasi penggunaan uang

ini misalkan perusahaan a punya modal

e1m teh dia 1m itu pengen dijadiin

deposito atau pengen jadiin tabungan di

bank Halo Bang tersebut nah sama Bang

diolah dari 1m itu

dijadikan Buat modal sih perusahaan B

yang bakal ngambil kredit modal teknik

yang bakal dapat mengambil kredit untuk

membeli gedung baru jangan kayak gitu

Nah itu sebut dengan intensifikasi

penggunaan uang

Halo Ada cara pemindahan modal di sini

ada pemindahan secara langsung atau

pemilihan secara tidak langsung Kalau

pemilihan langsung berarti pemindahan

dimana pembentuk modal langsung

memberikan modal yang dibentuknya kepada

perusahaan atau pihak yang membutuhkan

jadi si pemilik modal atau pembentuk

model ini dia ngasih langsung ke yang

membutuhkan tapi kalau pemindahan secara

tidak langsung lebih cara pemindahan

gimana pembentuk modal tidak secara

langsung memberikan modalnya pada

perusahaan yang membutuhkan mereka

melalui suatu lembaga kredit dari Bank

dari racing tuh

jadi bedanya kalo misal langsung

misalnya Bruce Ah tau nih kalau misal

perusahaan B memberikan proposal kalau

dia tuh mau bangkrut gitu jadi

perusahaan memberikan modal secara

langsung tapi kalau misalkan secara

tidak langsung mungkin kayak tadi ya

intensifikasi uang itu jadi sih ah butuh

modal dia datang ke bank atau dateng

polishing gitu atau datang ke Finance

itu ya Nah dia galvanis memberikan

padahal Sibang atau files itu dapat uang

juga dari sih penanam modal kayak yang

punya deposito terus kayak punya biro

Nah itu itu disebut dengan pemindahan

secara tidak langsung

oke temen-temen

thank you mungkin eh Intinya kalau untuk

apa namanya

intinya jadi temen-temen disini dapat

mengambil kesimpulan Kalau modal itu

didapat dari dua tadi ada dari asalnya

dan dari Hai sumbernya Kalau yang untuk

keasalnya tadi temen-temen aja eksternal

ada internal dan ada juga dari supplier

bank atau pasar modal tapi kalau untuk

Berdasarkan cara terjadinya

sumber Berdasarkan cara terjadinya

berarti dari tabungan tadi terjadi

penciptaan uang atau juga bisa jadi

dengan intensifikasi penggunaan uang

lain teman-teman memahami sumber-sumber

modal dari asalnya dan dari cara

terjadinya teman-teman juga Tadi sudah

belajar cara pemindahan modal dimana

pemilihan modal dilakukan besar secara

langsung ataupun secara tidak langsung

oke Kian penjelasan dari saya semoga

dapat bermanfaat Apabila ada salah kata

saya mohon maaf dan kita sampai ketemu

minggu depan lagi Jangan lupa tugasnya

dikerjakan ialah wda Wassalamualaikum

warohmatullohi wabarokatuh