tag:blogger.com,1999:blog-31967050349142748202024-02-20T07:22:19.687-08:00Manajemen Keuangan Prodi Manajemen S1Bagus Panduhttp://www.blogger.com/profile/02979327719382811647noreply@blogger.comBlogger1125tag:blogger.com,1999:blog-3196705034914274820.post-88610375254698746462020-06-21T20:57:00.000-07:002020-06-21T20:57:12.123-07:00Manajemen keuangan<p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="background-color: white; color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="background-color: white; font-size: 10.5pt;">Manajemen keuangan</font><font color="#000000" data-blogger-escaped-style="background-color: white; color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="background-color: white; font-size: 10.5pt;"> adalah suatu kegiatan perencanaan, penganggaran, pemeriksaan, pengelolaan, pengendalian, pencarian dan penyimpanan dana yang dimiliki oleh suatu <font color="#000000" data-blogger-escaped-style="color: black; mso-themecolor: text1; text-decoration: none; text-underline: none;">organisasi</font> atau <font color="#000000" data-blogger-escaped-style="color: black; mso-themecolor: text1; text-decoration: none; text-underline: none;">perusahaan</font>.</font></p><div data-blogger-escaped-style="background: white; border-bottom: solid #A2A9B1 1.0pt; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-element: para-border-div; padding: 0cm 0cm 0cm 0cm;" style="background: white; border: none; padding: 0cm;"><h2 data-blogger-escaped-style="background: white; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-padding-alt: 0cm 0cm 0cm 0cm; padding: 0cm;" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; padding: 0cm;"><font class="mw-headline"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-style: normal;" face=""georgia" , "serif"">Aktivitas manajemen</font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-size: 18.0pt; font-style: normal; line-height: 115%;" face=""georgia" , "serif"" style="font-size: 18pt; line-height: 27.6px;"><data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></h2></div><div data-blogger-escaped-style="background: white; margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;" style="background: white; margin: 6pt 0cm;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Manajemen keuangan berhubungan dengan 3 aktivitas, yaitu:<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l3 level1 lfo1; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">1.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Aktivitas penggunaan dana, yaitu aktivitas untuk <a href="https://id.wikipedia.org/wiki/Investasi" title="Investasi"><font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;" style="text-decoration-line: none;">menginvestasikan</font></a> dana pada berbagai <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">aktiva</font>.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l3 level1 lfo1; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">2.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Aktivitas perolehan dana, yaitu aktivitas untuk mendapatkan sumber dana, baik dari sumber dana internal maupun sumber dana eksternal <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">perusahaan</font>.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l3 level1 lfo1; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">3.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Aktivitas pengelolaan <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">aktiva</font>, yaitu setelah dana diperoleh dan dialokasikan dalam bentuk <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">aktiva</font>, dana harus dikelola seefisien mungkin.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div data-blogger-escaped-style="background: white; border-bottom: solid #A2A9B1 1.0pt; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-element: para-border-div; padding: 0cm 0cm 0cm 0cm;" style="background: white; border: none; padding: 0cm;"><h2 data-blogger-escaped-style="background: white; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-padding-alt: 0cm 0cm 0cm 0cm; padding: 0cm;" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; padding: 0cm;"><font class="mw-headline"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-style: normal;" face=""georgia" , "serif"">Pendahuluan</font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-size: 18.0pt; font-style: normal; line-height: 115%;" face=""georgia" , "serif"" style="font-size: 18pt; line-height: 27.6px;"><data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></h2></div><div data-blogger-escaped-style="background: white; margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;" style="background: white; margin: 6pt 0cm;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Seorang <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">manajer</font> keuangan dalam suatu perusahaan harus mengetahui bagaimana mengelola segala unsur dan segi keuangan, hal ini wajib dilakukan karena keuangan merupakan salah satu fungsi penting dalam mencapai tujuan <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">perusahaan</font>.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div data-blogger-escaped-style="background: white; margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;" style="background: white; margin: 6pt 0cm;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Unsur manajemen keuangan harus diketahui oleh seorang <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">manajer</font>. Misalkan saja seorang <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">manajer</font> keuangan tidak mengetahui apa-apa saja yang menjadi unsur-unsur manajemen keuangan, maka akan muncul kesulitan dalam menjalankan suatu perusahaan tersebut.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div data-blogger-escaped-style="background: white; margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;" style="background: white; margin: 6pt 0cm;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Sebab itu, seorang <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">manajer</font> keuangan harus mampu mengetahui segala aktivitas manajemen keuangan, khususnya penganalisisan sumber dana dan penggunaan-nya untuk merealisasikan keuntungan maksimum bagi perusahaan tersebut. Seorang manajer keuangan harus memahami arus peredaran uang baik eksternal maupun internal.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div data-blogger-escaped-style="background: white; border-bottom: solid #A2A9B1 1.0pt; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-element: para-border-div; padding: 0cm 0cm 0cm 0cm;" style="background: white; border: none; padding: 0cm;"><h2 data-blogger-escaped-style="background: white; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-padding-alt: 0cm 0cm 0cm 0cm; padding: 0cm;" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; padding: 0cm;"><font class="mw-headline"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-style: normal;" face=""georgia" , "serif"">Fungsi Manajemen Keuangan</font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-size: 18.0pt; font-style: normal; line-height: 115%;" face=""georgia" , "serif"" style="font-size: 18pt; line-height: 27.6px;"><data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></h2></div><div data-blogger-escaped-style="background: white; margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;" style="background: white; margin: 6pt 0cm;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Berikut ini adalah penjelasan singkat dari fungsi Manajemen Keuangan:<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l2 level1 lfo2; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">1.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Perencanaan Keuangan, membuat rencana pemasukan dan pengeluaraan serta kegiatan-kegiatan lainnya untuk periode tertentu.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l2 level1 lfo2; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">2.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Penganggaran Keuangan, tindak lanjut dari perencanaan keuangan dengan membuat detail pengeluaran dan pemasukan.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l2 level1 lfo2; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">3.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Pengelolaan Keuangan, menggunakan dana perusahaan untuk memaksimalkan dana yang ada dengan berbagai cara.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l2 level1 lfo2; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">4.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Pencarian Keuangan, mencari dan mengeksploitasi sumber dana yang ada untuk operasional kegiatan perusahaan.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l2 level1 lfo2; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">5.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Penyimpanan Keuangan, mengumpulkan dana <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">perusahaan</font> serta menyimpan dan mengamankan dana tersebut.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l2 level1 lfo2; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">6.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Pengendalian Keuangan, melakukan evaluasi serta perbaikan atas keuangan dan sistem keuangan pada <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">perusahaan</font>.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l2 level1 lfo2; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">7.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Pemeriksaan Keuangan, melakukan audit internal atas keuangan <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">perusahaan</font> yang ada agar tidak terjadi penyimpangan.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l2 level1 lfo2; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">8.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Pelaporan keuangan, penyediaan informasi tentang kondisi keuangan <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">perusahaan</font> sekaligus sebagai bahan evaluasi<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div data-blogger-escaped-style="background: white; margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;" style="background: white; margin: 6pt 0cm;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Bila dikaitkan dengan tujuan ini, maka fungsi manajer keuangan meliputi hal-hal sebagai berikut:<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l0 level1 lfo3; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">1.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Melakukan pengawasan atas biaya<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l0 level1 lfo3; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">2.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Menetapkan kebijaksanaan harga<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l0 level1 lfo3; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">3.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Meramalkan laba yang akan datang<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l0 level1 lfo3; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">4.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Mengukur atau menjajaki biaya modal kerja<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div data-blogger-escaped-style="background: white; border-bottom: solid #A2A9B1 1.0pt; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-element: para-border-div; padding: 0cm 0cm 0cm 0cm;" style="background: white; border: none; padding: 0cm;"><h2 data-blogger-escaped-style="background: white; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-padding-alt: 0cm 0cm 0cm 0cm; padding: 0cm;" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; padding: 0cm;"><font class="mw-headline"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-style: normal;" face=""georgia" , "serif"">Tujuan Manajemen Keuangan</font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-size: 18.0pt; font-style: normal; line-height: 115%;" face=""georgia" , "serif"" style="font-size: 18pt; line-height: 27.6px;"><data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></h2></div><div data-blogger-escaped-style="background: white; margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;" style="background: white; margin: 6pt 0cm;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Tujuan Manajemen Keuangan adalah untuk memaksimalkan nilai <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">perusahaan</font>. Dengan demikian apabila suatu saat <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">perusahaan</font> dijual, maka harganya dapat ditetapkan setinggi mungkin. Seorang manajer juga harus mampu menekan arus peredaran <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">uang</font> agar terhindar dari tindakan yang tidak diinginkan.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div data-blogger-escaped-style="background: white; border-bottom: solid #A2A9B1 1.0pt; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-element: para-border-div; padding: 0cm 0cm 0cm 0cm;" style="background: white; border: none; padding: 0cm;"><h2 data-blogger-escaped-style="background: white; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-padding-alt: 0cm 0cm 0cm 0cm; padding: 0cm;" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; padding: 0cm;"><font class="mw-headline"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-style: normal;" face=""georgia" , "serif"">Analisis Sumber Dana dan Penggunaannya</font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-size: 18.0pt; font-style: normal; line-height: 115%;" face=""georgia" , "serif"" style="font-size: 18pt; line-height: 27.6px;"><data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></h2></div><div data-blogger-escaped-style="background: white; margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;" style="background: white; margin: 6pt 0cm;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Analisis sumber dana atau analisis dana merupakan hal yang sangat penting bagi manajer keuangan. Analisis ini bermanfaat untuk mengetahui bagaimana dana digunakan dan asal perolehan dana tersebut. Suatu laporan yang menggambarkan asal sumber dana dan penggunaan dana. Alat analisis yang bisa digunakan untuk mengetahui kondisi dan prestasi keuangan perusahaan adalah analisis rasio dan proporsional.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div data-blogger-escaped-style="background: white; margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;" style="background: white; margin: 6pt 0cm;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Langkah pertama dalam analisis sumber dan penggunaan dana adalah laporan perubahan yang disusun atas dasar dua neraca untuk dua waktu. Laporan tersebut menggambarkan perubahan dari masing-masing elemen tersebut yang mencerminkan adanya sumber atau penggunaan dana.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div data-blogger-escaped-style="background: white; margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;" style="background: white; margin: 6pt 0cm;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Pada umumnya rasio keuangan yang dihitung bisa dikelompokkan menjadi enam jenis yaitu:<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l1 level1 lfo4; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">1.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Rasio Likuiditas, rasio ini untuk mengukur kemampuan perusahaan untuk memenuhi kewajiban finansial jangka pendeknya.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l1 level1 lfo4; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">2.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Rasio <i>Leverage</i>, rasio ini digunakan untuk mengukur seberapa banyak dana yang di-<i>supply</i> oleh pemilik perusahaan dalam proporsinya dengan dana yang diperoleh dari kreditur perusahaan.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l1 level1 lfo4; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">3.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Rasio Aktivitas, rasio ini digunakan untuk mengukur efektivitas manajemen dalam menggunakan sumber dayanya. Semua rasio aktifitas melibatkan perbandingan antara tingkat penjualan dan investasi pada berbagai jenis harta.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l1 level1 lfo4; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">4.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Rasio Profitabilitas, rasio ini digunakan untuk mengukur efektifitas manajemen yang dilihat dari laba yang dihasilkan terhadap penjualan dan investasi perusahaan.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l1 level1 lfo4; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">5.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Rasio Pertumbuhan, rasio ini digunakan untuk mengukur seberapa baik perusahaan mempertahankan posisi ekonominya pertumbuhan ekonomi dan industri.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal" data-blogger-escaped-style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; mso-list: l1 level1 lfo4; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-indent: -18.0pt;" style="background: white; line-height: normal; margin-bottom: 1.2pt; margin-left: 38.4pt; text-indent: -18pt;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;"><font data-blogger-escaped-style="mso-list: Ignore;">6.<font data-blogger-escaped-style="font: 7.0pt "Times New Roman";" style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Rasio Penilaian, rasio ini merupakan ukuran prestasi perusahaan yang paling lengkap oleh karena rasio tersebut mencemirkan kombinasi pengaruh dari rasio risiko dengan rasio hasil pengembalian.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div data-blogger-escaped-style="background: white; border-bottom: solid #A2A9B1 1.0pt; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-element: para-border-div; padding: 0cm 0cm 0cm 0cm;" style="background: white; border: none; padding: 0cm;"><h2 data-blogger-escaped-style="background: white; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-padding-alt: 0cm 0cm 0cm 0cm; padding: 0cm;" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; padding: 0cm;"><font class="mw-headline"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-style: normal;" face=""georgia" , "serif"">Pengertian <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">Modal</font></font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-size: 18.0pt; font-style: normal; line-height: 115%;" face=""georgia" , "serif"" style="font-size: 18pt; line-height: 27.6px;"><data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></h2></div><div data-blogger-escaped-style="background: white; margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;" style="background: white; margin: 6pt 0cm;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Istilah "<font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">modal</font>" biasa diartikan bermacam-macam, istilah modal dalam pembelanjaan perusahaan dapat dibedakan menjadi 2, yaitu: modal aktif dan modal pasif. Modal aktif merupakan kekayaan atau penggunaan dana, sedangkan modal pasif merupakan sumber dana.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div data-blogger-escaped-style="background: white; border-bottom: solid #A2A9B1 1.0pt; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-element: para-border-div; padding: 0cm 0cm 0cm 0cm;" style="background: white; border: none; padding: 0cm;"><h2 data-blogger-escaped-style="background: white; border: none; mso-border-bottom-alt: solid #A2A9B1 .75pt; mso-padding-alt: 0cm 0cm 0cm 0cm; padding: 0cm;" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border: none; padding: 0cm;"><font class="mw-headline"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-style: normal;" face=""georgia" , "serif"">Manajer Keuangan</font></font><font color="#000000" data-blogger-escaped-style="color: black; font-family: "georgia" , "serif"; font-size: 18.0pt; font-style: normal; line-height: 115%;" face=""georgia" , "serif"" style="font-size: 18pt; line-height: 27.6px;"><data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></h2></div><div data-blogger-escaped-style="background: white; margin-bottom: 6.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 6.0pt;" style="background: white; margin: 6pt 0cm;"><p style="margin: 0px;"><font color="#000000" data-blogger-escaped-style="color: black; font-family: "arial" , "sans-serif"; font-size: 10.5pt;" face=""arial" , "sans-serif"" style="font-size: 10.5pt;">Manajer Keuangan merupakan seseorang yang mempunyai hak dalam mengambil suatu keputusan yang sangat penting dalam suatu bidang <font color="#000000" data-blogger-escaped-style="color: black; text-decoration: none;">investasi</font> dan pembelanjaan perusahaan. Manajer keuangan juga bertanggung jawab dalam bidang keuangan pada suatu perusahaan.<data-blogger-escaped-o:p></data-blogger-escaped-o:p></font></p></div><div class="MsoNormal"><p style="margin: 0px;"><br /></p></div><p style="margin: 0px;">Referensi :</p><p style="margin: 0px;"><a href="https://id.wikipedia.org/wiki/Manajemen_keuangan">https://id.wikipedia.org/wiki/Manajemen_keuangan</a></p>Bagus Panduhttp://www.blogger.com/profile/02979327719382811647noreply@blogger.com1