Wawancara CEO Bizhare – Heinrich Vincent

Heinrich Vincent sebenarnya adalah salah satu kawan lama saya. Dalam kesempatan ini selain reuni, kami sempat berdiskusi untuk mengklarifikasi beberapa hal karena saya memasukkan Bizhare ke daftar waspada.

Sedikit cerita soal perjalanan Bizhare?

Awalnya gw bisnis online lalu sempat patungan franchise Indomaret, dari situ kepikiran mau bikin orang-orang juga mudah untuk bisa patungan Franchise. Nah di Juni 2017 gw mulai mempersiapkan Bizhare, lalu live di Maret 2018, dan April 2019 gw cukup berbahagia mendapatkan dukungan funding dari Plug n Play.

Kok hebat banget sudah license OJK secepat itu? Apakah ECF diberikan kemudahan dibanding p2p lending?

Justru sebenarnya lebih sulit lho. Kalau p2p lending ibaratnya dikasi masa transisi saat menyandang status tedaftar, tapi kalau ECF tidak ada istilah terdaftar, kita harus langsung berizin yang tentunya syarat administratif dan teknisnya jauh lebih sulit daripada sekedar terdaftar

Karyawan sekarang ada berapa?

20 orang dan lagi mau nambah nih dalam waktu dekat

Untuk perjanjian kerjasama dengan Franchisor, PKS Bizhare tuh dengan level pusat (HQ), regional, atau bagaimana?

Selalu dengan pusat

Gw penasaran dengan ruang gerak dan otoritas Bizhare sebagai ‘mediator’ atau pengantara. Sebenarnya cuma sekedar administratif doang atau ada kerjaan lainnya?

Awalnya memang kami hanya pengantara saja, ibaratnya platform franchisor untuk galang dana. Namun kami senantiasa menjadi lebih baik, sehingga saat ini kami juga menjadi semacam clearing house yang membagikan dividen kepada investor sehingga franchisor tidak perlu repot-repot melakukannya kepada beratus ratus investor mereka, serta kami juga sekarang membantu meneliti dan memeriksa laporan setiap franchise dan memberikan bantuan konsultasi bisnis ke mitra-mitra franchisor kami.

Perihal amortisasi dan depresi sebenarnya siapa yang menanggung sih?

Dua hal tersebut tercatat di laporan keuangan, namun tidak selalu terefleksi dalam dividen yang dibandingkan. Setiap franchisor memiliki kebijakan masing masing. Bilamana memang tidak dicantumkan, maka akan diperhitungkan dalam laporan kas PT pusat (bukan tingkat cabang)

Perihal POJK 37/04/2018 bagaimana Bizhare menanggapinya?

POJK tersebut mewajibkan Penerbit kami untuk merilis laporan tahunan kepada OJK maupun investor kami melalui website Penerbit atau Penyelenggara. Untuk lapkeu Bizhare sendiri juga harus diserahkan ke OJK secara Tahunan.

Dulu ECF uda banyak yang coba namun gagal, misalnya Crowdo Mekar dan Akseleran. Kok sekarang malah booming?

Ada beberapa faktor, yakni masyarakat memang lebih melek investasi. Bukan hanya ECF tapi investasi lain juga semakin laku. Namun di industri ECF sendiri, rasanya ECF yang sekarang berjalan seperti kami belajar dari kesalahan pendahulu kami. Dulu salah satu yang anda sebutkan tersebut mereka fokusnya menyasar UMKM seperti warung, sedangkan pemilik warung tidak literasi finansial, tidak paham model bisnis ECF, dan tidak tertarik ekspansi, jadi ya susah berjalan.

Makanya kami fokus ke franchise yang memang suka ekspansi dan namanya lumayan dikenal baik oleh publik.

Dari segi bisnis, hal ini juga lebih masuk akal karena ada existing marketnya, kita mengambil porsi market bank yang suka memberikan kredit usaha ke para franchise tersebut.

Ada opsi buyback ga sih? Karena ECF ini likuiditasnya jelek banget. Gw daridulu males masuk karena takut nyangkut

Bukan BuyBack, melainkan penjualan saham ke investor lain melalui Secondary market(Pasar Sekunder). Target gw akhir Q1 2020 sudah bisa. Semoga tercapai ya supaya lu mau masuk.

Btw sistemnya akan bid-offer mirip pasar saham

Nah sekarang gw banyak pertanyaan titipan dari investor investor lu nih. Gapapa?

Lanjutttt

Sebenarnya proposal bisnis itu siapa yang buat sih kok katanya suka lebih manis daripada realita?

Sepenuhnya data dari franchisor bro, Bizhare hanya bantu menyusun saja. Kita ga kutak katik selain management fee 5% itu. Memang gw mengakui beberapa franchisor risk assessmentnya kurang akurat sehingga kelihatan jauh sekali antara ekspektasi dan realita.

Berdasarkan hasil diskusi kami dengan OJK, akhirnya OJK juga memberlakukan ketentuan baru yang melarang proposal dibuat berdasarkan proyeksi dan harus berdasarkan data historis, karena sebelumnya ada yang seperti itu dan memang hasilnya meleset jauh.

Dan Bizhare sekarang kadang-kadang menurunkan ekspektasi keuntungan di proposal supaya harapannya tidak terlalu tinggi. Kita pakai mindset konservatif dan worst case

Kalau kita bicara fakta sebenarnya banyakan untung atau rugi

Banyakan untung dong. Justru yang rugi cuma ada dua franchise. Sisanya cashflow positif kok. Paling untung itu ya Indomaret dan Padang juga lumayan, yang gw bikin video itu. Yang rugi… ya sepertinya semua orang tau ya yang mana dan kenapa.

Ada yang concern dengan laporan penggunaan dana awal bro

Kalau ini hak dan kebijakan setiap franchisor, namun memang umumnya tidak diberikan. Banyak pertimbangannya, antara lain memang secara administratif memberatkan pihak franchisor untuk membukukan semuanya. Namun seandainya memang penasaran, sebenarnya kita bisa lihat di catatan akuntansi mereka, bisa terlihat dana awal investor larinya kemana aja.Kita juga lagi mengusahakan supaya hal ini bisa jadi klausal dalam perjanjian tertulis

Ada yang bilang laporan bulanan telat melulu tuh. Bener?

Beberapa iya, ga semua. Balik lagi ke franchisor masing-masing, ada yang administrasinya kuat dan komit, ada yang ngga. Harusnya mereka tanggal 10 sudah kasih ke Bizhare, lalu Bizhare punya sekitar 5 hari kerja untuk cek kan, sehingga tanggal 20 investor sudah terima.

Namun tenang, Bizhare sudah menyadari masalah ini dan kami sudah membuat klausal baru dalam perjanjian kerjasama dengan franchisor yang baru bergabung untuk mengenakan denda keterlambatan bila telat mengirimkan laporan. Denda ini sepenuhnya untuk investor!

Kedepannya akan lebih banyak franchise yang akan memiliki klausal denda ini.

Ok, kalau yang soal tadi franchise rugi tuh kenapa sih?

Itu memang internal manajemennya ada konflik yang diluar kendali kita, karena bukan menyangkut performa bisnis namun orang-orang didalamnya. Semoga membaik nih internalnya dalam waktu singkat

Nah tambak udang kan satu ownership tuh. Rugi juga kaga?

Ngga kok. Masalahnya ga merembet parah gitu.

Tapi katanya ada satu tambak yang meleset jauh dari proposal? Gagal panen?

Ok ini gw bantu jelaskan teknisnya. Sebenarnya masih untung tapi memang cukup jauh perbedaannya dari ekspektasi. Ada dua masalah disini, yaitu biaya pakan dan listrik kegedean.

Untuk pakan ini karena ada virus yang memperlambat pertumbuhan udangnya, jadi dikasi makan terus kok ga gede-gede. Akibatnya makanannya lebih boros daripada perkiraan.

Dan listrik itu lumayan konyol dan gw sendiri lumayan kesel, mereka bilang daerah tambaknya itu sudah ready persiapannya namun ternyata belum ada PLN dan mereka malah pake genset. Ya jelas aja lah boros. Tapi kita sedang coba klarifikasi juga dengan pihak franchisornya mengenai hal ini.

Ok siap. Kalo Odysen piye?

Ini sebenarnya ga ada masalah bro, beneran deh.Kita ga nambahin atau markup biaya apa-apa.

Jadi yang dipermasalahkan salah satu investor yaitu ada perbedaan persepsi tentang bahasa dan rincian pengeluaran Kas Pusat senilai 2 juta. Jadi biaya kas Pusat itu terdiri dari 4 biaya, yaitu biaya Marketing, Maintenance dan Team Building total 1 Juta. Lalu ada juga Tunjangan Operasional senilai 1 Juta.

Tunjangan operasional Ini memang biaya baru yang muncul di tahun 2019, sesuai kebijakan Odysen pusat dan sudah tertera juga di proposal, bahwa total pengeluaran kas pusat nya memang 2 juta.

Makanya nih kalo kita liat lapkeu tahunannya itu biaya tunjangan operasional memang baru muncul di 2019, di tahun tahun sebelumnya angkanya 0 (Vincent memang menunjukkan lapkeu nya kepada saya)

Ada yang bilang Grand Opening satu outlet mundur terussss

Iya, Jadi casenya ownernya lebih hati-hati, karena di cabang sebelumnya buka cepat-cepat namun malah jadi banyak kekurangan. Contoh nyatanya ada investor yang malah komplain kenapa tempatnya panas, banyak nyamuk, ga nyaman dan lain – lain. Belajar dari kesalahan tersebut mereka sempat menunda grand opening dengan harapan untuk mempersiapkan semuanya sampai smooth.

Ada juga nih yang bilang akte ga terbit terbit. Emangnya boleh mulai galang dana tanpa akte?

Sekarang memang sudah ga boleh bro, harus ada akte dulu baru galang dana.

Aka-akta yang dimaksud sebenarnya sudah jadi. Tapi kita sesuaikan dibarengin dengan klausul penitipan kolektif pada kustodian supaya nanti siap di secondary market yang kita persiapkan.

Ini demi kebaikan investor juga lho jadi biayanya ga di charge 2x untuk ubah akta PT.

Kalau Kapau Bogor gimana? Ini gw sendiri kurang ngerti apa sih Goodwill itu?

Goodwill memang sifatnya intangible bro. Ketika lu menjual suatu bisnis , yang sudah berjalan di lokasi strategis dan sudah punya market, sangat bisa lu mengenakan Goodwill kepada calon pembeli karena sudah gak mulai dari 0 lagi.

Nah dalam kasus Kapau Bogor ini, sebenarnya bukan Goodwill itu yang dimaksud. Jadi ceritanya gini, dulunya gedung yang dulu dipakai untuk restoran bernama Mozza. Posisinya strategis dan target marketnya sudah sangat jelas, jadi mereka ketika menjual memang ada peralatan dan aset-asetnya 700jt. Ini kita  sudah nego lho awalnya 1 milyar malah.

Kalau ditanya 700 juta ini aspeknya apa saja, rincian asetnya sudah diinformasikan namun memang tidak dirincikan hingga harga per item. Ini sudah mencakup semua isi gedung tersebut dari alat-alat dapur yang kelihatan sampai akses pipa yang tidak kelihatan.

Sekarang boleh kita bahas tentang komplain ke Bizhare  ya.

Ok. Boleh-boleh, bagus untuk masukan dan evaluasi kami.

Jawaban lu sangat kooperatif dan detail sekali. Tapi kenapa banyak yang bilang lu gamau komunikasi sama mereka?

Bukannya gamau, tapi memang kita ada kekurangan tim di sisi dokumentasi dan publikasi. Percayalah dibelakang layar kita bekerja, tapi terkadang kita kurang komunikasikan ke investor, gw akui itu masih jadi hal yang perlu ditingkatkan.

Ini sekarang kami sedang mencari orang PR supaya bisa lebih bertanggungjawab ke investor untuk mendokumentasikan dan mempublikasikan kerja keras kita dibelakang layar.

Kerja keras yang dimaksud ini ya itu ya, follow up franchise supaya laporannya on time, klarifikasi angka di laporan, edukasi franchisor, dan hal-hal lain yang menguntungkan investor kita.

Dan juga bagi yang butuh informasi dari kita, kita sudah menyediakan live chat yang siap membantu setiap investor.

Ada yang bilang dia di kick dari grup Whatsapp, Telegram, Instagram Bizhare?

Gw akui iya untuk Whatsapp waktu dulu, namun dengan berat hati. Salah satu orang investor melakukan pelanggaran berkali-kali soalnya. Sudah kami beritahu, namun memang masih dilakukan juga, kita jadi ga punya pilihan lain.

Awalnya beliau mempublikasikan lapkeu ke publik yang sebenarnya konfidensial, lalu dia juga membahas franchise A di grup franchise B sehingga franchisor A khawatir.

Akhirnya ini menjadi chain reaction yang menghebohkan serta cukup menyita waktu dan tenaga Bizhare.

Mengenai Grup Whatsapp, sebenarnya memang secara umum kurang efektif dan saat ini sudah tidak ada. Bayangin jika harus ada satu orang yang terus terusan monitor puluhan Whatsapp, Telegram dan balesin satu-satu yang isinya ratusan dan ribuan orang. Itupun kalau messagenya kebaca ga tenggelem. Ketika udah heboh, orang yang netral pun menjadi berprasangka buruk.

Dari situ kami belajar dari kesalahan bahwa permasalahan investor lebih baik diselesaikan 1  on 1 daripada di forum terbuka, agar tidak menimbulkan asumsi dan bisa fokus pada solusi secara lebih jelas.

Untuk yang masih punya keluhan gimana?

Dengan senang hati kami tampung di live chat. Untuk Whatsapp dan Telegram sepertinya memang kurang efisien. Nanti kalau sudah ada PR mungkin kami akan utus dia mewakili diskusi di grup Telegram itu.

Kalau yang gw tangkap kebanyakan masalahnya berasal dari Franchisor nya. Adil tidak berkata seperti itu?

Ya ada benarnya namun, kami juga mengerti, terkadang mereka juga punya keterbatasan skill dan ilmu, makanya Bizhare juga mendukung melalui tim Business Support, dan kita terus mengolah SOP kita supaya lebih transparan dan profesional, serta aktif berdiskusi dengan OJK untuk sama-sama membentuk regulasi ECF yang menguntungkan investor..

Adrian Siaril
Adrian Siaril

The boss

Articles: 588

157 Comments

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