📊 SISTEM MONITORING COST CENTER & KPI RENOVASIA

Framework Lengkap untuk Kontrol Keuangan & Operasional yang Solid

📅 Tanggal: 28 Januari 2026
🎯 Tujuan: Memberikan sistem monitoring real-time untuk mencegah masalah cashflow dan memastikan profitabilitas berkelanjutan
📈 Basis Data: Evaluasi keuangan komprehensif 2022-2025 (4 tahun data)
💰 Impact: Mencegah kerugian seperti 2022-2023 (Rp 2,5M+), menjaga margin netto 19-22%

📑 DAFTAR ISI

  1. Executive Summary
  2. Cost Center Structure
  3. KPI Dashboard - Level Perusahaan
  4. KPI Dashboard - Level Proyek
  5. Weekly Monitoring Checklist
  6. Monthly Review Framework
  7. Early Warning Triggers
  8. Action Protocol per Indikator
  9. Tools & Templates
  10. Implementation Roadmap

1. EXECUTIVE SUMMARY

1.1 Mengapa Sistem Ini Krusial?

[!NOTE] PEMBELAJARAN DARI 4 TAHUN OPERASIONAL (2022-2025) 📉 TAHUN KRISIS (2022-2023): - 2022: Kerugian -Rp 155 juta (Yamala + Joglo disaster) - 2023: Kerugian -Rp 96 juta (Bogor + GTP E1 disaster) - Total: -Rp 251 juta dalam 2 tahun!

❌ PENYEBAB UTAMA: - Tidak ada monitoring cost real-time - Tidak ada stop-loss mechanism - RAB tidak digunakan secara konsisten - 24% proyek dikerjakan TANPA RAB sama sekali - Cashflow tidak terprediksi

📈 TAHUN PEMULIHAN (2024-2025): - 2024: Profit +Rp 222 juta (recovery mode) - 2025: Profit +Rp 103 juta/bulan (sustainable!) - Margin: 19-22% netto, 59-71% gross per proyek

✅ FAKTOR KESUKSESAN: - Pricing premium (Rp 3-6 juta/m²) - Fokus pada proyek dengan RAB lengkap (95,5% success rate) - Head Office jadi profit center - Selektif terima proyek (reject yang tidak profitable)

🎯 TAPI... MASIH ADA GAP: - ⚠️ Cashflow masih "gali lobang tutup lubang" - ⚠️ Revenue hanya 8,4% di atas BEP (sangat tight!) - ⚠️ 3 disaster di 2025 (kerugian Rp 74 juta) - ⚠️ Monitoring masih manual & tidak real-time

💡 SOLUSI: SISTEM MONITORING YANG PROAKTIF! - Deteksi masalah 2-4 minggu lebih awal - Prevent disaster sebelum terjadi - Maintain margin 19-22% secara konsisten - Stabilkan cashflow (no more gali lubang tutup lubang) - Scale up dengan aman ke Rp 800juta-1M/bulan

1.2 Framework Monitoring 3 Layer

3-LAYER MONITORING FRAMEWORK

🔵 LAYER 1: STRATEGIC LEVEL (Bulanan) - Owner: Direktur/Owner - Focus: Kesehatan bisnis secara keseluruhan - KPI Utama: - Revenue vs BEP (target: min 120% dari BEP) - Margin netto (target: 19-25%) - Pipeline value 3 bulan ke depan - Working capital adequacy ratio - Tools: Monthly Dashboard + Financial Report

🟢 LAYER 2: TACTICAL LEVEL (Mingguan) - Owner: Project Manager / Site Manager - Focus: Eksekusi proyek & efisiensi operasional - KPI Utama: - Cost ratio per proyek (target: <40%) - Timeline adherence (target: ±10% dari plan) - Cashflow per proyek (DP, termin on-time?) - Quality issues & rework (target: <5%) - Tools: Weekly Cost Tracking + Progress Report

🟡 LAYER 3: OPERATIONAL LEVEL (Harian/Real-time) - Owner: Site Supervisor / Admin - Focus: Pengeluaran aktual vs budget - KPI Utama: - Daily burn rate vs budget harian - Material waste (target: <8%) - Attendance & productivity - Cash on hand vs kebutuhan minggu ini - Tools: Daily Expense Log + WhatsApp Report

2. COST CENTER STRUCTURE

2.1 Breakdown Cost Center Renovasia

Berdasarkan analisis 2022-2025, kita bagi cost structure jadi 3 center utama:

RENOVASIA COST CENTER MAP

💼 CC-001: HEAD OFFICE (Fix Cost) - Budget: Rp 72 juta/bulan (CONFIRMED dari mutasi bank 2025) - CC-001A: Gaji & Benefit Tim Inti - Total: Rp 35 juta/bulan (48.6% dari HO) - Target: TETAP (tidak naik kecuali ada hire baru) - CC-001B: Overhead Operasional - Total: Rp 37 juta/bulan (51.4% dari HO) - Breakdown: - Sewa kantor & utilities: Rp 8-10 juta - Transportasi & BBM: Rp 6-8 juta - Marketing & promosi: Rp 4-6 juta - Software & tools: Rp 2-3 juta - Komunikasi & internet: Rp 1-2 juta - Maintenance kendaraan: Rp 3-4 juta - Lain-lain & buffer: Rp 10-12 juta - Target: Optimize 10-15% dalam 6 bulan

🏗️ CC-002: PROJECT DIRECT COST (Variable Cost) - Budget: 36-40% dari revenue proyek (based on 2025 data) - CC-002A: Material & Supplies - Target: 45-55% dari total project cost - Komposisi: Beton (15-20%), Besi (10-15%), Atap (10-15%), Finishing (15-20%), M&E (8-12%) - Monitoring: Weekly purchase vs budget - CC-002B: Upah Pekerja - Target: 35-45% dari total project cost - Komposisi: Tukang (40-50%), Mandor (15-20%), Helper (25-30%), Spesialis (10-15%) - Monitoring: Weekly payroll vs progress - CC-002C: Transportasi & Logistik Proyek - Target: 3-5% dari total project cost - Komposisi: Pengiriman (50-60%), Mobilisasi (20-30%), Transport tim (15-20%) - Monitoring: Per shipment tracking - CC-002D: Tools & Equipment - Target: 2-4% dari total project cost - Komposisi: Sewa alat (40-50%), Consumables (30-40%), Safety (10-15%) - Monitoring: Per project basis

📦 CC-003: SUPPORT & CONTINGENCY - Budget: 5-8% dari total project cost - CC-003A: Quality Control & Rework - Target: <3% dari project cost - Trigger: Jika >5%, INVESTIGATE! - CC-003B: Contingency Reserve - Allocation: 3-5% dari project value - Usage: Hanya untuk unforeseen issues - CC-003C: Waste & Inefficiency - Target: <2% dari project cost - Monitoring: Material waste tracking

2.2 Cost Allocation Model

Cara menghitung alokasi cost per proyek:

[!TIP] CONTOH PROYEK: Bu Titik Jatijajar (Rp 216 juta) REVENUE ALLOCATION: - Revenue total: Rp 216 juta

DIRECT COST (CC-002): - Material (50%): Rp 42 juta - Upah (40%): Rp 34 juta - Transport (5%): Rp 4 juta - Tools (5%): Rp 4 juta - Total Direct Cost: Rp 84 juta (39% dari revenue) ✅

PROFIT ANALYSIS: - Gross Profit: Rp 132 juta (61%) - HO Allocation (3 proyek paralel): Rp 96 juta - Net Profit: Rp 36 juta (16.7%) ✅

VALIDASI: - ✅ Direct cost 39% < 40% target - ✅ Gross margin 61% > 59% target - ✅ Net margin 16.7% > 15% minimum - ✅ PROYEK SEHAT!

3. KPI DASHBOARD - LEVEL PERUSAHAAN

3.1 Financial KPIs (Monthly Review)

📊 KPI-F01: MONTHLY REVENUE

💰 KPI-F02: MARGIN NETTO BULANAN

📈 KPI-F03: BREAK EVEN POINT COVERAGE

💵 KPI-F04: WORKING CAPITAL ADEQUACY

🎯 KPI-F05: GROSS MARGIN PER PROYEK (Average)

📉 KPI-F06: DISASTER RATE

3.2 Marketing & Sales KPIs

🎯 KPI-M01: PIPELINE VALUE (3 Bulan ke Depan)

📞 KPI-M02: LEAD CONVERSION RATE

💼 KPI-M03: AVERAGE DEAL SIZE

⏱️ KPI-M04: SALES CYCLE TIME

🎁 KPI-M05: REFERRAL RATE

4. KPI DASHBOARD - LEVEL PROYEK

4.1 Project Execution KPIs

💰 KPI-P01: PROJECT GROSS MARGIN

📊 KPI-P02: COST RATIO (Biaya vs Revenue)

⏰ KPI-P03: TIMELINE ADHERENCE

💸 KPI-P04: CASHFLOW COLLECTION RATE

🔧 KPI-P05: REWORK & QUALITY ISSUE RATE

📦 KPI-P06: MATERIAL WASTE RATE

🎯 KPI-P07: PROGRESS vs COST ALIGNMENT

4.2 Project Risk Indicators

PROJECT RISK EARLY WARNING SIGNALS

🚨 RISK INDICATOR 01: COST ESCALATION VELOCITY

⚠️ RISK INDICATOR 02: PAYMENT DELAY TREND

📉 RISK INDICATOR 03: SCOPE CREEP INDEX

👷 RISK INDICATOR 04: TEAM PRODUCTIVITY TREND

🏗️ RISK INDICATOR 05: CRITICAL PATH DELAY

5. WEEKLY MONITORING CHECKLIST

5.1 Template Weekly Report (untuk Site Manager)

WEEKLY PROJECT MONITORING REPORT - MINGGU KE-XX
=======================================================================

📋 PROJECT INFO:
- Nama Proyek    : [Nama Klien - Lokasi]
- Nilai Kontrak  : Rp XXX juta
- Timeline       : XX minggu (Mulai: DD/MM/YYYY)
- Target Margin  : XX%
- Project Manager: [Nama]

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📊 PROGRESS STATUS (Minggu ini)
-----------------------------------------------------------------------

Overall Progress    : [XX]% (Target: [XX]%)
Progress Minggu Ini : +[X]%

Pekerjaan Selesai Minggu Ini:
[ ] [Deskripsi pekerjaan 1]
[ ] [Deskripsi pekerjaan 2]
[ ] [Pekerjaan tertunda - alasan]

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💰 FINANCIAL STATUS
-----------------------------------------------------------------------

BUDGET vs ACTUAL:
- Budget Total          : Rp XXX juta
- Cost s/d Minggu Ini   : Rp XXX juta ([XX]%)
- Cost Minggu Ini       : Rp XXX juta
- Remaining Budget      : Rp XXX juta

COST BREAKDOWN WEEK:
- Material   : Rp XX juta ([XX]%)
- Upah       : Rp XX juta ([XX]%)
- Transport  : Rp XX juta ([XX]%)
- Lain-lain  : Rp XX juta ([XX]%)

KPI CHECK:
- Cost Ratio         : [XX]% (Target: <40%) [🟢/🟡/🟠/🔴]
- Progress vs Cost   : [XX]% (Target: 90-110%) [🟢/🟡/🟠/🔴]
- Material Waste     : [XX]% (Target: <8%) [🟢/🟡/🟠/🔴]

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⚠️ ISSUES & RISKS
-----------------------------------------------------------------------

ISSUES THIS WEEK:
❌ [Issue 1] - Impact: [High/Med/Low] - Status: [Open/Resolved]
❌ [Issue 2] - Impact: [High/Med/Low] - Status: [Open/Resolved]

RISKS IDENTIFIED:
⚠️ [Risk 1] - Probability: [High/Med/Low] - Mitigation: [Action]
⚠️ [Risk 2] - Probability: [High/Med/Low] - Mitigation: [Action]

DELAY FACTORS (jika ada):
- Weather      : [X hari]
- Material     : [X hari]
- Client       : [X hari]
- Other        : [Deskripsi]

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📅 PLAN MINGGU DEPAN
-----------------------------------------------------------------------

TARGET PROGRESS: +[X]% (Total: [XX]%)

PEKERJAAN YANG AKAN DILAKUKAN:
1. [Pekerjaan 1] - Target selesai: DD/MM
2. [Pekerjaan 2] - Target selesai: DD/MM
3. [Pekerjaan 3] - Target selesai: DD/MM

MATERIAL NEEDED:
- [Material 1]: [Qty] - Estimasi cost: Rp XX juta
- [Material 2]: [Qty] - Estimasi cost: Rp XX juta
- Total estimasi: Rp XX juta

MANPOWER PLAN:
- Tukang       : [X orang]
- Helper       : [X orang]
- Specialist   : [X orang] - [Skill]
- Estimasi upah: Rp XX juta

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💳 PAYMENT STATUS
-----------------------------------------------------------------------

RECEIVED:
✅ DP 1 (DD/MM) : Rp XX juta
✅ DP 2 (DD/MM) : Rp XX juta

PENDING:
⏳ Termin 1 (Due: DD/MM) : Rp XX juta - Status: [Invoiced/Waiting/Overdue]
⏳ Pelunasan (Due: DD/MM): Rp XX juta

OVERDUE ALERT:
🚨 [Payment name] - Overdue [X] hari - Last follow up: DD/MM

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🎯 OVERALL HEALTH CHECK
-----------------------------------------------------------------------

PROJECT HEALTH SCORE: [🟢 SEHAT / 🟡 PERLU MONITOR / 🟠 WARNING / 🔴 CRITICAL]

REASON:
[Penjelasan singkat kenapa dapat score ini]

RECOMMENDED ACTION:
[Action yang perlu dilakukan, jika ada issue]

=======================================================================
Dibuat oleh: [Nama Site Manager]
Tanggal: [DD/MM/YYYY]
Next Review: [DD/MM/YYYY]
=======================================================================

5.2 Weekly Review Meeting Agenda

Waktu: Setiap Jumat, 2-3 PM
Peserta: Owner/Direktur, Project Manager, Site Manager
Durasi: 60-90 menit

WEEKLY REVIEW MEETING AGENDA

[!NOTE] AGENDA DETAIL 🎯 OBJECTIVE: Review semua proyek aktif, identifikasi issue, dan action plan

1. QUICK WIN REVIEW (5 menit) - Progress positif minggu ini - Achievement yang patut diapresiasi - Quick update dari tim

2. PORTFOLIO OVERVIEW (10 menit) - Total revenue minggu ini vs target - Total cost minggu ini vs budget - Overall margin check - Cash position update - KPI-F01 s/d F06 check

3. PROJECT-BY-PROJECT REVIEW (40 menit) Untuk setiap proyek aktif (max 8-10 menit per proyek): - Progress update (target vs actual) - Cost update (budget vs actual) - Timeline check (on track?) - Payment status (ada delay?) - Issues & risks - KPI-P01 s/d P07 check - Action needed (jika ada)

🚨 PRIORITAS DISKUSI: Proyek dengan 🔴 atau 🟠 status PERTAMA!

4. PIPELINE & UPCOMING PROJECTS (15 menit) - New leads minggu ini - Proposal submitted - Deal closing probability - Expected start date - Resource availability check - KPI-M01 s/d M05 check

5. CRITICAL ISSUES & ESCALATION (10 menit) - Payment overdue >2 minggu - Cost overrun >20% - Quality issues - Client complaint - Team issues

6. ACTION ITEMS & CLOSING (10 menit) - Summary action items dengan PIC & deadline - Decision yang diambil hari ini - Follow up dari minggu lalu - Preview minggu depan

📝 OUTPUT: - Action items list (PIC + deadline) - Decision log - Updated project status (semua proyek) - Risk register update

6. MONTHLY REVIEW FRAMEWORK

6.1 Monthly Business Review (MBR) Template

MONTHLY BUSINESS REVIEW - [BULAN] [TAHUN]
=======================================================================
📅 PERIODE: [DD MMM - DD MMM YYYY]
👤 PREPARED BY: [Nama]
📊 REVIEW DATE: [DD MMM YYYY]
=======================================================================

SECTION 1: EXECUTIVE SUMMARY
-----------------------------------------------------------------------

📊 FINANCIAL SNAPSHOT:

Revenue Bulan Ini       : Rp XXX juta (Target: Rp XXX juta)
Achievement             : [XX]% dari target [🟢/🟡/🟠/🔴]

Total Cost              : Rp XXX juta
- Direct Cost Project   : Rp XXX juta
- Head Office Cost      : Rp XXX juta (Rp 72jt × 1 bulan)
- Cost Ratio            : [XX]%

Net Profit Bulan Ini    : Rp XXX juta
Margin Netto            : [XX]% [🟢/🟡/🟠/🔴]

YTD Summary:
- Total Revenue YTD     : Rp XXX juta
- Total Profit YTD      : Rp XXX juta
- Avg Margin YTD        : [XX]%
- vs Target YTD         : [XX]%

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🎯 KEY HIGHLIGHTS:

✅ WINS THIS MONTH:
1. [Achievement 1]
2. [Achievement 2]
3. [Achievement 3]

❌ CHALLENGES THIS MONTH:
1. [Challenge 1]
2. [Challenge 2]
3. [Challenge 3]

📌 KEY LEARNINGS:
1. [Learning 1]
2. [Learning 2]

=======================================================================
SECTION 2: KPI SCORECARD - FINANCIAL
=======================================================================

KPI-F01: MONTHLY REVENUE
- Actual     : Rp XXX juta
- Target     : Rp XXX juta
- Variance   : [+/-X]%
- Status     : [🟢/🟡/🟠/🔴]
- Note       : [Komentar]

KPI-F02: MARGIN NETTO BULANAN
- Actual     : [XX]%
- Target     : 19-25%
- Status     : [🟢/🟡/🟠/🔴]
- Note       : [Komentar]

KPI-F03: BEP COVERAGE
- Revenue    : Rp XXX juta
- BEP        : Rp 498 juta
- Ratio      : [X.XX]x
- Target     : Min 1.2x
- Status     : [🟢/🟡/🟠/🔴]
- Note       : [Komentar]

KPI-F04: WORKING CAPITAL ADEQUACY
- Cash Available    : Rp XXX juta
- Monthly Burn Rate : Rp XXX juta
- Ratio             : [X.X] bulan
- Target            : Min 1.5 bulan
- Status            : [🟢/🟡/🟠/🔴]
- Note              : [Komentar]

KPI-F05: GROSS MARGIN PER PROYEK
- Average    : [XX]%
- Best       : [XX]% ([Nama Proyek])
- Worst      : [XX]% ([Nama Proyek])
- Target     : 59-65%
- Status     : [🟢/🟡/🟠/🔴]
- Note       : [Komentar]

KPI-F06: DISASTER RATE
- Total Proyek      : [XX] proyek
- Proyek Bermasalah : [X] proyek
- Rate              : [XX]%
- Target            : <5%
- Status            : [🟢/🟡/🟠/🔴]
- Detail            : [Nama proyek bermasalah]

=======================================================================
SECTION 3: KPI SCORECARD - MARKETING & SALES
=======================================================================

KPI-M01: PIPELINE VALUE (3 Bulan)
- Current Pipeline  : Rp XXX juta
- Target            : Rp XXX juta (3x monthly revenue)
- Status            : [🟢/🟡/🟠/🔴]
- Breakdown:
    - Hot (>70% prob)   : Rp XXX juta ([X] deals)
    - Warm (40-70%)     : Rp XXX juta ([X] deals)
    - Cold (<40%)       : Rp XXX juta ([X] deals)

KPI-M02: LEAD CONVERSION RATE
- Total Inquiries   : [XX] leads
- Converted         : [XX] deals
- Rate              : [XX]%
- Target            : 25-35%
- Status            : [🟢/🟡/🟠/🔴]
- Lost Reasons:
    - Price too high    : [X] leads
    - Timeline          : [X] leads
    - Lost to competitor: [X] leads
    - Other             : [X] leads

KPI-M03: AVERAGE DEAL SIZE
- Deals Bulan Ini   : [X] deals
- Total Value       : Rp XXX juta
- Average           : Rp XXX juta
- Target            : Rp 250-400 juta
- Status            : [🟢/🟡/🟠/🔴]
- Range: Smallest Rp XX juta, Largest Rp XX juta

KPI-M04: SALES CYCLE TIME
- Average           : [XX] hari
- Fastest           : [XX] hari
- Slowest           : [XX] hari
- Target            : 14-28 hari
- Status            : [🟢/🟡/🟠/🔴]

KPI-M05: REFERRAL RATE
- New Deals         : [X] deals
- From Referral     : [X] deals
- Rate              : [XX]%
- Target            : >40%
- Status            : [🟢/🟡/🟠/🔴]

=======================================================================
SECTION 4: PROJECT PORTFOLIO STATUS
=======================================================================

ACTIVE PROJECTS (Month End):

No | Proyek | Value | Progress | Cost Ratio | Margin | Status | Note
---|--------|-------|----------|------------|--------|--------|------
1  | [Nama] | XXXjt | XX%      | XX%        | XX%    | 🟢/🟡  | [...]
2  | [Nama] | XXXjt | XX%      | XX%        | XX%    | 🟢/🟡  | [...]
...

COMPLETED PROJECTS THIS MONTH:

No | Proyek | Value | Final Margin | Timeline | Payment | Note
---|--------|-------|--------------|----------|---------|------
1  | [Nama] | XXXjt | XX%          | XX hari  | ✅/⏳   | [...]
...

NEW PROJECTS STARTED THIS MONTH:

No | Proyek | Value | Start Date | Est. Duration | Bracket
---|--------|-------|------------|---------------|--------
1  | [Nama] | XXXjt | DD/MM      | XX minggu     | [B/C/D]
...

=======================================================================
SECTION 5: COST CENTER PERFORMANCE
=======================================================================

CC-001: HEAD OFFICE

Budget                  : Rp 72 juta
Actual Bulan Ini        : Rp XX juta
Variance                : [+/-X]%
Status                  : [🟢/🟡/🟠/🔴]

Breakdown:
- CC-001A (Gaji)       : Rp XX juta (Budget: Rp 35jt)
- CC-001B (Overhead)   : Rp XX juta (Budget: Rp 37jt)
    - Sewa & utilities    : Rp XX juta
    - Transport & BBM     : Rp XX juta
    - Marketing           : Rp XX juta
    - Software & tools    : Rp XX juta
    - Lain-lain           : Rp XX juta

Note: [Komentar jika ada variance signifikan]

-----------------------------------------------------------------------

CC-002: PROJECT DIRECT COST

Total Bulan Ini         : Rp XXX juta
Average per Proyek      : Rp XX juta

Breakdown:
- CC-002A (Material)   : Rp XXX juta ([XX]%)
- CC-002B (Upah)       : Rp XXX juta ([XX]%)
- CC-002C (Transport)  : Rp XX juta ([XX]%)
- CC-002D (Tools)      : Rp XX juta ([XX]%)

Best Performer: [Proyek] - Cost ratio [XX]%
Worst Performer: [Proyek] - Cost ratio [XX]%

Note: [Insight dari pola cost]

-----------------------------------------------------------------------

CC-003: SUPPORT & CONTINGENCY

Total Bulan Ini         : Rp XX juta

Breakdown:
- CC-003A (Rework)     : Rp XX juta ([X] incidents)
- CC-003B (Contingency): Rp XX juta ([X] usage)
- CC-003C (Waste)      : Rp XX juta

Note: [Apakah ada pattern yang perlu diatasi?]

=======================================================================
SECTION 6: CASHFLOW ANALYSIS
=======================================================================

CASH IN (Bulan Ini):
- DP Baru              : Rp XXX juta ([X] proyek)
- Termin               : Rp XXX juta ([X] proyek)
- Pelunasan            : Rp XXX juta ([X] proyek)
- Kerja Tambah         : Rp XX juta
- Total Cash In        : Rp XXX juta

CASH OUT (Bulan Ini):
- Direct Cost Project  : Rp XXX juta
- Head Office          : Rp XX juta
- Debt/Loan Payment    : Rp XX juta (jika ada)
- Total Cash Out       : Rp XXX juta

NET CASHFLOW            : Rp [+/-]XX juta

CASH POSITION:
- Awal Bulan           : Rp XXX juta
- Akhir Bulan          : Rp XXX juta
- Change               : [+/-X]%

OUTSTANDING PAYMENT:
- Overdue >30 hari     : Rp XX juta ([X] invoices)
- Due minggu depan     : Rp XX juta ([X] invoices)
- Action Plan          : [Deskripsi]

=======================================================================
SECTION 7: ISSUES & RISKS
=======================================================================

CRITICAL ISSUES (Butuh immediate action):

🔴 ISSUE #1: [Deskripsi]
- Impact    : [High/Med/Low]
- Root Cause: [Analisa]
- Action    : [Action yang diambil]
- PIC       : [Nama]
- Deadline  : [DD/MM/YYYY]
- Status    : [Open/In Progress/Resolved]

[Lanjutkan untuk issue lain...]

-----------------------------------------------------------------------

RISKS IDENTIFIED (Monitoring):

⚠️ RISK #1: [Deskripsi]
- Probability : [High/Med/Low]
- Impact      : [High/Med/Low]
- Mitigation  : [Rencana mitigasi]
- Owner       : [Nama]
- Review Date : [DD/MM/YYYY]

[Lanjutkan untuk risk lain...]

=======================================================================
SECTION 8: ACTION PLAN BULAN DEPAN
=======================================================================

🎯 OBJECTIVES BULAN [BULAN DEPAN]:

Financial Target:
- Revenue Target       : Rp XXX juta
- Margin Target        : [XX]%
- New Deals Target     : [X] proyek (Total value: Rp XX juta)
- Collection Target    : Rp XXX juta

Operational Target:
- Projects to Complete : [X] proyek
- Projects to Start    : [X] proyek
- Timeline Adherence   : >90%
- Cost Ratio           : <38%

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ACTION ITEMS:

Priority | Action | PIC | Deadline | Status
---------|--------|-----|----------|-------
🔴 High  | [...]  | [...| DD/MM    | [ ]
🟡 Med   | [...]  | [...| DD/MM    | [ ]
🟢 Low   | [...]  | [...| DD/MM    | [ ]

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FOCUS AREAS:
1. [Area 1]: [Deskripsi strategi]
2. [Area 2]: [Deskripsi strategi]
3. [Area 3]: [Deskripsi strategi]

=======================================================================
SECTION 9: YEAR-TO-DATE (YTD) TRACKING
=======================================================================

PERFORMANCE vs ANNUAL TARGET:

Revenue:
- Annual Target 2026   : Rp XXX miliar
- YTD Actual           : Rp XXX miliar
- Achievement          : [XX]%
- On Track?            : [Yes/No]
- Gap                  : Rp [+/-]XX miliar

Profit:
- Annual Target 2026   : Rp XXX miliar
- YTD Actual           : Rp XXX miliar
- Achievement          : [XX]%
- On Track?            : [Yes/No]

Projects:
- Annual Target        : [XX] proyek
- YTD Completed        : [XX] proyek
- YTD In Progress      : [XX] proyek
- Achievement          : [XX]%

=======================================================================
PREPARED BY: [Nama]
REVIEWED BY: [Nama Owner/Direktur]
DATE: [DD/MM/YYYY]
NEXT REVIEW: [DD/MM/YYYY]
=======================================================================

7. EARLY WARNING TRIGGERS

7.1 Automatic Alert System

EARLY WARNING TRIGGER SYSTEM

[!CAUTION] LEVEL 3: CRITICAL (Immediate Action Required) TRIGGER C-01: Cost Ratio >50% - What: Biaya proyek sudah melebihi 50% dari revenue - Impact: Proyek akan RUGI jika tidak di-stop - Alert to: Owner + PM (SMS + WhatsApp) - Action: STOP pekerjaan, meeting emergency dalam 24 jam

TRIGGER C-02: Revenue <BEP 2 Bulan Berturut - What: Revenue 2 bulan berturut di bawah Rp 498jt - Impact: Cashflow crisis, tidak bisa bayar operasional - Alert to: Owner - Action: Emergency fundraising atau cost cutting

TRIGGER C-03: Payment Overdue >30 Hari - What: Klien belum bayar >30 hari dari due date - Impact: Cashflow terganggu, proyektoronhance menular - Alert to: Owner + legal (jika >Rp 50jt) - Action: Hold all work, legal warning letter

TRIGGER C-04: Cash Position <1 Bulan Burn Rate - What: Kas di bank <Rp 400jt (1 bulan operasional) - Impact: Tidak bisa bayar gaji/supplier bulan depan - Alert to: Owner + Finance - Action: Stop ambil proyek baru, focus collection

TRIGGER C-05: Rework >10% dari Project Cost - What: Biaya rework/perbaikan >10% dari budget - Impact: Margin habis untuk rework, quality issue serius - Alert to: Owner + Site Manager - Action: Stop, inspect root cause, replace supervisor jika perlu

[!WARNING] LEVEL 2: WARNING (Action dalam 3-7 Hari) TRIGGER W-01: Cost Ratio 40-50% - What: Biaya mendekati threshold berbahaya - Impact: Margin menipis, masih bisa diselamatkan - Alert to: PM + Site Manager - Action: Review spending harian, cut non-essential

TRIGGER W-02: Timeline Delay >20% - What: Proyek terlambat >20% dari jadwal - Impact: HO allocation naik, margin turun - Alert to: PM - Action: Add resources, overtime, atau revisi timeline klien

TRIGGER W-03: Pipeline <2x Monthly Revenue - What: Pipeline 3 bulan depan <Rp 1.2M (untuk target Rp 600jt) - Impact: Risk revenue gap 2-3 bulan ke depan - Alert to: Owner + Marketing - Action: Intensify marketing, follow up warm leads

TRIGGER W-04: Margin Netto <15% dua bulan berturut - What: Profitabilitas menurun signifikan - Impact: Bisnis tidak sustainable - Alert to: Owner - Action: Review pricing, reject low-margin projects

TRIGGER W-05: Material Waste >12% - What: Waste material terlalu tinggi - Impact: Cost naik unnecessary - Alert to: Site Manager - Action: Improve planning, training, atau ganti supplier

[!NOTE] LEVEL 1: CAUTION (Monitor Closely) TRIGGER M-01: Cost Ratio 38-40% - Impact: Mendekati upper limit, perlu hati-hati - Action: Monitor weekly

TRIGGER M-02: Payment Delay 14-30 Hari - Impact: Cashflow agak terganggu - Action: Follow up intensif ke klien

TRIGGER M-03: Conversion Rate <20% - Impact: Sales effectiveness rendah - Action: Review pricing atau improve proposal quality

**TRIGGER M-04: New Deals 0 dalam 2 Minggu**
- **Impact:** Pipeline mengering
- **Action:** Boost marketing activities

**TRIGGER M-05: Progress vs Cost Misalignment >15%**
- **Impact:** Spending tidak sejalan dengan progress
- **Action:** Investigate & adjust

7.2 Notification Protocol

HOW & WHEN TO SEND ALERTS

🔴 CRITICAL ALERT: - Channel: SMS + WhatsApp + Phone Call - Recipient: Owner (primary) + PM (backup) - Timing: IMMEDIATE (real-time saat trigger tercapai) - Format: text 🚨 CRITICAL ALERT 🚨 Proyek: [Nama Proyek] Issue: [Deskripsi trigger] Value: [Angka actual] Threshold: [Batas yang dilanggar] Required Action: [Action wajib] PIC: [Nama yang harus handle] Deadline: [Kapan harus resolved] - Follow Up: Jika tidak ada response dalam 2 jam, escalate

🟠 WARNING ALERT: - Channel: WhatsApp - Recipient: PM + Site Manager - Timing: Daily digest (setiap pagi jam 8) - Format: ```text ⚠️ WARNING - Action Needed Total: [X] warnings today

1. [Proyek A] - Cost ratio 42% (target <40%)
2. [Proyek B] - Timeline delay 25%
3. [Pipeline] - Value Rp 1M (target >Rp 1.8M)

Review meeting: Jumat 2 PM
```

🟡 CAUTION ALERT: - Channel: Email atau WhatsApp Group - Recipient: Tim terkait - Timing: Weekly summary (setiap Senin pagi) - Format: text 📊 Weekly Monitoring Summary Items Perlu Dimonitor: [List dari semua caution triggers] Next review: [Tanggal] - Follow Up: Track di monthly review

8. ACTION PROTOCOL PER INDIKATOR

8.1 Jika Cost Ratio Melebihi Target

PROTOCOL: COST RATIO OVERRUN (>40%)

STEP 1: IMMEDIATE ASSESSMENT (Hari 1) - PIC: Site Manager + PM - Action: 1. STOP semua purchasing yang non-urgent 2. Audit semua expense minggu ini 3. Compare actual vs RAB per item 4. Identify variance terbesar - Output: Cost Overrun Analysis Report

STEP 2: ROOT CAUSE ANALYSIS (Hari 1-2) - Possible causes: - [ ] Material price naik >10% dari estimasi - [ ] Waste material terlalu tinggi (>12%) - [ ] Rework karena quality issue - [ ] Scope creep (klien minta tambahan tanpa payment) - [ ] Inefficiency (timeline lebih lama dari plan) - [ ] RAB awal tidak akurat - Tools: Fishbone diagram, 5 Whys

STEP 3: DECISION MAKING (Hari 2-3) - Meeting: Owner + PM + Site Manager - Options:

**OPTION A: CONTINUE WITH MITIGATION**
- **If:** Overrun <10% dan bisa di-mitigate
- **Action:**
    - Cut all non-essential spending
    - Optimize remaining work
    - Negotiate better material price
    - Speed up untuk reduce HO allocation
- **Target:** Bring cost ratio back to <42% in 2 weeks

**OPTION B: RENEGOTIATE WITH CLIENT**
- **If:** Ada scope creep atau unforeseen conditions
- **Action:**
    - Document all additional work
    - Calculate fair additional payment
    - Present to client dengan data
    - Negotiate win-win solution
- **Target:** Get additional payment 20-30% dari extra scope

**OPTION C: STOP-LOSS (Extreme)**
- **If:** Overrun >20% dan tidak bisa di-recover
- **Action:**
    - Calculate sunk cost
    - Calculate remaining cost to finish
    - Calculate total loss jika continue
    - Decision: Cut loss now atau finish with loss?
- **Reference:** Doc 13 - Stop Loss Mechanism

STEP 4: EXECUTION & MONITORING (Week 2+) - Implement action plan - Daily cost tracking (lebih ketat) - Weekly progress review - Adjust strategy jika tidak membaik

STEP 5: POST-MORTEM & LEARNING (After project) - Document what happened - What worked, what didn't - Update RAB template jika perlu - Share learning dengan tim

8.2 Jika Revenue di Bawah BEP

PROTOCOL: REVENUE BELOW BEP (<Rp 498 JUTA)

STEP 1: IMMEDIATE TRIAGE (Hari 1) - PIC: Owner + Finance - Questions: 1. Apakah ini anomali 1 bulan atau trend? 2. Berapa cash position saat ini? 3. Apakah bisa survive 1-2 bulan lagi? 4. Ada payment besar yang akan masuk minggu depan? - Output: Cashflow projection 3 bulan

STEP 2: ROOT CAUSE ANALYSIS (Hari 1-2) - Check: - [ ] Pipeline kosong bulan lalu? (sales issue) - [ ] Payment terlambat dari klien? (collection issue) - [ ] Proyek banyak yang delay? (execution issue) - [ ] Loss deals karena pricing? (pricing issue) - [ ] Seasonality? (market issue) - Priority: Identify controllable vs uncontrollable factors

STEP 3: IMMEDIATE ACTIONS (Hari 2-7) - Short-term (this week): - [ ] Call all clients dengan payment overdue - [ ] Offer discount untuk immediate payment (5-7%) - [ ] Invoice all completed work yang belum di-invoice - [ ] Cut non-essential spending (defer jika bisa) - [ ] Delay non-urgent investment

STEP 4: STRATEGIC REVIEW (Week 2-4) - If ini trend (2-3 bulan berturut): - Review business model - Consider structural cost cutting - Evaluate working capital injection (investor?) - Pivot strategy (focus on high-margin only?) - Reference: Doc 14 - Working Capital Strategy

STEP 5: RECOVERY PLAN (Month 2-3) - Target: Back to >Rp 600jt/bulan dalam 2-3 bulan - KPI to track: - New deals per week (target: min 1 deal/week) - Pipeline value (target: >Rp 2M) - Collection rate (target: >90% on-time) - Monthly review progress

8.3 Jika Pipeline Mengering

PROTOCOL: LOW PIPELINE (<2X MONTHLY REVENUE)

STEP 1: PIPELINE AUDIT (Week 1) - Current state check: - Hot leads (>70% prob): [X] deals, Rp [XX] juta - Warm leads (40-70%): [X] deals, Rp [XX] juta - Cold leads (<40%): [X] deals, Rp [XX] juta - Total pipeline: Rp [XXX] juta - Target: Rp [XXX] juta (3x monthly revenue) - Gap: Rp [XXX] juta

STEP 2: LEAD GENERATION BOOST (Week 1-2) - Digital marketing: - [ ] Facebook/Instagram ads (budget Rp 2-3jt) - [ ] Post portfolio proyek terbaru (daily) - [ ] Before-after content (viral potential) - [ ] Client testimonial video - [ ] Google My Business optimization

STEP 3: CONVERSION OPTIMIZATION (Week 2-4) - Follow up existing pipeline: - [ ] Call all leads >2 weeks (re-engage) - [ ] Send updated portfolio - [ ] Offer time-limited promo (create urgency) - [ ] Personal visit (for high-value leads)

STEP 4: PRICING REVIEW (Ongoing) - Analyze rejection reasons: - Price too high: [X]% of rejections - Timeline: [X]% - Other: [X]%

STEP 5: MONITORING & ADJUSTMENT (Monthly) - Track KPIs: - New inquiries per week - Conversion rate - Pipeline value trend - Average deal size

9. TOOLS & TEMPLATES

9.1 Excel Dashboard Template

File: Renovasia_KPI_Dashboard.xlsx

Sheet 1: OVERVIEW DASHBOARD
├─ Summary metrics (MTD, YTD)
├─ Gauge charts (Revenue, Margin, BEP Coverage)
├─ Trend charts (6 months)
└─ Alert indicators (Red/Yellow/Green)
Sheet 2: PROJECT TRACKER
├─ List semua proyek aktif
├─ Progress, Cost, Margin per proyek
├─ Timeline adherence
└─ Payment status
Sheet 3: FINANCIAL DETAIL
├─ Revenue breakdown (per proyek, per bracket)
├─ Cost breakdown (per cost center)
├─ Profit & loss statement
└─ Cashflow statement
Sheet 4: MARKETING & PIPELINE
├─ Lead funnel
├─ Conversion tracking
├─ Pipeline value by stage
└─ Sales cycle analysis
Sheet 5: COST CENTER ANALYSIS
├─ CC-001 (Head Office) detail
├─ CC-002 (Project Direct) per proyek
├─ CC-003 (Support) tracking
└─ Variance analysis
Sheet 6: RAW DATA INPUT
├─ Daily expense entry
├─ Payment received entry
├─ Progress update entry
└─ Lead tracking entry

9.2 Google Sheets (untuk Real-time Collaboration)

GOOGLE SHEETS STRUCTURE

1. 📊 Master Dashboard (VIEW ONLY for Owner) - Auto-update dari semua sheet lain - Visual charts & indicators - Mobile-friendly

2. 📝 Daily Expense Log (EDIT by Site Manager/Admin) - Columns: - Date - Project Name - Category (Material/Upah/Transport/etc) - Item Description - Quantity - Unit Price - Total - Receipt/Nota (link to photo) - Approved by - Auto-calculate daily/weekly/monthly total - Alert jika exceed daily budget

3. 💰 Payment Tracking (EDIT by Finance/Admin) - Columns: - Project Name - Payment Type (DP/Termin/Pelunasan) - Due Date - Amount - Received Date - Delay (days) - Status (Paid/Pending/Overdue) - Auto-calculate collection rate - Alert untuk overdue >14 hari

4. 📈 Progress Update (EDIT by Site Manager) - Weekly progress per proyek - Photo upload (link) - Issues/blockers - Next week plan

5. 🎯 Lead & Pipeline (EDIT by Owner/Marketing) - New leads entry - Status update (Cold/Warm/Hot) - Probability % - Expected value - Expected close date

6. ⚙️ Automation dengan Google Apps Script: - Daily summary email (every 6 PM) - Weekly report generation (every Monday) - Alert notification (WhatsApp via API) - Auto-backup ke Google Drive

9.3 WhatsApp Template untuk Alert

🚨 CRITICAL ALERT - IMMEDIATE ACTION REQUIRED
=============================================

Proyek: Built - Jatijajar
Issue: Cost Ratio Melebihi Threshold
Current Value: 52% (Target: <40%)
Status: 🔴 CRITICAL

Detail:
- Budget total: Rp 84 juta
- Spent s/d hari ini: Rp 112 juta
- Overrun: Rp 28 juta (33%)
- Estimated margin: 9% (dari target 61%)

Required Action:
1. STOP semua purchasing non-urgent
2. Audit expense hari ini
3. Meeting emergency: Hari ini 5 PM
4. Report root cause: Besok pagi

PIC: Pak Budi (Site Manager)
Cc: Pak Joko (PM)

Link detail: [Dashboard URL]

---------------------------------------------
Sent by Renovasia Monitoring System
DD/MM/YYYY HH:MM
=============================================

📊 WEEKLY SUMMARY - Week [XX], [MONTH] [YEAR]
=============================================

Performance Overview:
✅ Revenue minggu ini: Rp 145 juta (Target: Rp 135jt)
✅ Margin rata-rata: 63% (Target: 59-65%)
⚠️ 1 proyek need attention
🟢 2 proyek sehat

Project Status:

🟢 Bu Tinah - Puspitek
- Progress: 65% (on track)
- Cost ratio: 37%
- Next milestone: Atap selesai (3 hari)

🟢 Pak Rony - Permata
- Progress: 48% (on track)
- Cost ratio: 35%
- Payment: Termin 2 diterima ✅

⚠️ Bu Sella - Citeureup
- Progress: 42% (delay 5 hari)
- Cost ratio: 41% ⚠️
- Action: Review spending Jumat

Pipeline Update:
• New leads: 3 (total Rp 520 juta)
• Hot deals: 2 (prob >70%, Rp 380 juta)
• Expected close: 1 deal minggu depan

Action Items for Next Week:
1. Follow up payment Bu Retno (overdue 12 hari)
2. Review cost Bu Sella (meeting Jumat 2 PM)
3. Close deal Pak Arief (survey Senin)

---------------------------------------------
Next weekly review: Jumat, DD/MM, 2 PM
Dashboard: [Link]
=============================================

10. IMPLEMENTATION ROADMAP

10.1 Phase 1: Setup Foundation (Week 1-2)

PHASE 1: FOUNDATION (2 WEEKS)

WEEK 1: SYSTEM PREPARATION

Day 1-2: Document Review & Alignment - Owner + PM baca dokumen ini lengkap - Diskusi & alignment on KPIs - Set realistic targets untuk 6 bulan pertama - PIC assignment untuk setiap KPI

Day 3-4: Tools Setup - Download template Excel/Google Sheets - Customize sesuai kebutuhan Renovasia - Input data historis (min 3 bulan terakhir) - Test formula & automation - Setup access rights (siapa bisa edit apa)

Day 5: Team Training - Workshop 2-3 jam untuk seluruh tim - Explain WHY sistem ini penting - Hands-on: Cara input data - Hands-on: Cara baca dashboard - Q&A session

WEEK 2: PILOT TESTING

Day 1-7: Pilot dengan 2-3 Proyek Aktif - Pilih 2-3 proyek yang sedang jalan - Site manager mulai input daily expense - Admin/finance input payment tracking - Review dashboard setiap hari - Identify bugs/issues pada sistem - Fix & improve - First weekly review (Jumat)

End of Week 2: Evaluation - Apakah sistem mudah digunakan? - Apakah data akurat? - Apakah insight berguna? - Apa yang perlu di-improve? - Decision: GO for full implementation atau adjust?

10.2 Phase 2: Full Implementation (Month 2-3)

PHASE 2: FULL IMPLEMENTATION (2 MONTHS)

MONTH 2: STABILIZATION

Week 1-2: - Roll out ke SEMUA proyek aktif - Daily monitoring jadi habit - Weekly review meeting ritualized - First monthly business review

Week 3-4: - Fine-tune threshold & targets based on data - Optimize workflow (reduce admin burden) - Train new team members (jika ada) - Implement early warning triggers

MONTH 3: OPTIMIZATION

Week 1-2: - Review & analyze 2 bulan data - Identify pattern & insights - Update SOP based on learnings - Automate repetitive tasks (if possible)

Week 3-4: - Celebrate quick wins (share success stories) - Address remaining pain points - Prepare for advanced features (predictive analytics?) - End-of-phase evaluation

Success Criteria: - ✅ 100% proyek tracked dengan lengkap - ✅ Weekly review participation >90% - ✅ Data accuracy >95% - ✅ At least 1 disaster prevented karena early warning - ✅ Margin improvement min 2-3% from baseline

10.3 Phase 3: Advanced & Scaling (Month 4-6)

PHASE 3: ADVANCED & SCALING (3 MONTHS)

MONTH 4-6: ADVANCED FEATURES

Feature 1: Predictive Analytics - Predict project final margin based on week 1-2 data - Forecast monthly revenue based on pipeline - Identify risk pattern untuk proyek baru - Tool: Excel regression atau Google Sheets add-on

Feature 2: Benchmarking - Compare proyek sejenis (bracket, lokasi, tipe) - Best practice identification - Set benchmark dari top 20% proyek - Use benchmark untuk bid proyek baru

Feature 3: Mobile App Integration (Optional) - Site manager bisa input dari HP di lapangan - Upload foto nota langsung - Real-time notification ke owner - Tool: Google Forms + Google Sheets API atau custom app

Feature 4: Integration dengan Accounting Software - Link dengan Accurate/Jurnal/MYOB (jika pakai) - Auto-sync transaction - Reduce manual entry - Better audit trail

SCALING PREPARATION:

Jika target scale up ke Rp 800juta-1M/bulan: - Test sistem dengan 6-8 proyek paralel - Hire additional PM/Site Manager jika perlu - Upgrade tools (paid version jika free version limit) - Document SOP untuk training new hires

Success Criteria Phase 3: - ✅ Sistem bisa handle 2x volume tanpa breakdown - ✅ Data-driven decision making jadi budaya - ✅ Margin netto consistently >22% - ✅ Zero disaster proyek dalam 3 bulan - ✅ Tim bisa operate semi-autonomous (less micromanagement)

🎯 KESIMPULAN & NEXT STEPS

[!TIP] Key Takeaways 1. Renovasia SUDAH PROFITABLE - sistem bisnis bekerja dengan baik - Margin 19-22% netto (sustainable!) - Tren 2022-2025 membaik drastis - Success rate 95,5% untuk proyek dengan RAB

2. Masalah BUKAN di sistem bisnis, tapi di MONITORING & CONTROL - 24% proyek tanpa RAB → butuh SOP ketat - 3 disaster 2025 → butuh early warning - Cashflow "gali lubang" → butuh better planning

3. Sistem monitoring ini akan PREVENT masalah SEBELUM terjadi - Cost overrun detected 2-4 minggu lebih awal - Payment delay di-address sebelum jadi crisis - Pipeline gap predicted 2-3 bulan sebelumnya

4. Implementation SEDERHANA - tidak perlu teknologi canggih - Google Sheets (free, collaborative) - WhatsApp (sudah dipakai sehari-hari) - Weekly meeting (60-90 menit, high ROI)

5. Expected IMPACT dalam 6 bulan: - Margin netto: 19% → 22-25% - Disaster rate: 8% → <3% - Revenue: Rp 540jt → Rp 700-800jt/bulan - Cashflow stable (no more "gali lubang") - Working capital adequate (>Rp 600jt)

IMMEDIATE NEXT STEPS (This Week)

[!TIP] Immediate Next Steps ACTION PLAN - WEEK 1

Day 1: Owner baca dokumen ini lengkap (allocate 2-3 jam) - Note highlight pada bagian yang paling relevan

Day 2: Meeting dengan PM (60 menit) - Diskusi KPI mana yang paling krusial - Agree on targets untuk Q1 2026 - PIC assignment

Day 3: Setup Google Sheets dashboard - Copy template (akan provided terpisah) - Customize sesuai kebutuhan - Input data 2-3 proyek aktif saat ini

Day 4: Training untuk Site Manager & Admin - Cara input daily expense - Cara update progress - Cara baca dashboard

Day 5: First weekly review dengan format baru - Test run new system - Collect feedback - Iterate & improve

Success: Jika by end of Week 1, minimal ada 1 proyek yang ter-track dengan lengkap dan dashboard berfungsi.

📞 SUPPORT & QUESTIONS

Jika ada pertanyaan atau butuh bantuan implementasi, silakan: - Review kembali dokumen-dokumen pendukung (Doc 01-14) - Catat specific questions untuk diskusi - Siapkan data aktual untuk customization

🚀 SEMANGAT!

Renovasia sudah punya fondasi yang kuat (margin 64%, tren membaik). Dengan sistem monitoring yang solid ini, kita akan membawa Renovasia ke level selanjutnya: - Lebih profitable (margin 22-25%) - Lebih stabil (no more cashflow rollercoaster) - Lebih scalable (siap handle Rp 1M/bulan) - Lebih sustainable (risk terkontrol)

Let's do this! 💪

Dokumen ini dibuat: 28 Januari 2026
Versi: 1.0
Basis: Evaluasi keuangan komprehensif 2022-2025
Next update: After 3 months implementation