# Financial Modeling

> Build 3-statement financial models with scenario and sensitivity tables for Indonesian SME planning, staying deterministic and auditable.

- **Type:** Skill
- **Install:** `agentstack add skill-adamriofc-indonesian-business-agent-skills-financial-modeling`
- **Verified:** Yes — security-reviewed for prompt injection and unsafe behavior
- **Seller:** [adamriofc](https://agentstack.voostack.com/s/adamriofc)
- **Installs:** 0
- **Category:** [AI & ML](https://agentstack.voostack.com/c/ai-and-ml)
- **Latest version:** 0.1.0
- **License:** MIT
- **Upstream author:** [adamriofc](https://github.com/adamriofc)
- **Source:** https://github.com/adamriofc/indonesian-business-agent-skills/tree/master/finance-id/skills/financial-modeling

## Install

```sh
agentstack add skill-adamriofc-indonesian-business-agent-skills-financial-modeling
```

Requires the [AgentStack CLI](https://agentstack.voostack.com/docs/cli). Works with Claude Code, Cursor, and any MCP-compatible agent.

## About

# Financial Modeling

Connects sales → Income Statement → Balance Sheet → Cash Flow in one consistent, auditable model.

## 3-Statement Linkage
* **Driver**: sales (volume × price) → all other line items follow.
* **Income Statement** → net income → equity.
* **Balance Sheet**: assets (cash, receivables % of sales, inventory % of COGS, fixed assets + capex − depreciation) = liabilities + equity — always balanced.
* **Cash Flow**: net income + non-cash items ± changes in working capital − capex − debt payments.

## Modeling Rules
* Each assumption input lives in a single cell and is referenced (not hard-coded in multiple places).
* All scenarios use the same drivers — only the assumption values change.
* Sensitivity table: 3 scenarios (pessimistic/base/optimistic) × 2 drivers (volume, price) — deterministic, no Monte Carlo.
* The model is checked: total assets = liabilities + equity in every period (balance check required).

## Scope & Safety
* **Use for**: business plans, credit applications, testing the impact of assumptions.
* **Do not use for**: official financial reporting, acquisition valuation, or claims of prediction accuracy — a model is a thinking tool, not an oracle.
* All projections are labeled with assumptions + date; do not mix actual figures without labels.
* The accounting & tax standards used (SAK EMKM, PPh) must be stated and verified.

## Worked Example
Input: sales 1 billion/month, margin 30%, receivables 30 days, inventory 45 days, capex 50 million, depreciation 10 million/month, pessimistic scenario = sales −10%.
Output: pessimistic → sales 900 million, net income down ~30 million, operating cash flow down; balance check still shows zero difference on the Balance Sheet; sensitivity: | sales −10% | base | +10% | → | operating cash flow: X | Y | Z | — present a table for decision-making.

## Source & license

This open-source skill is cataloged on AgentStack and links to its original source — we do not rehost the code.

- **Author:** [adamriofc](https://github.com/adamriofc)
- **Source:** [adamriofc/indonesian-business-agent-skills](https://github.com/adamriofc/indonesian-business-agent-skills)
- **License:** MIT

Install and usage instructions live in the source repository linked above.

## Pricing

- **Free** — Free

## Security capabilities

Automated source analysis of v0.1.0 — what this tool can access:

- **Network access:** no
- **Filesystem access:** no
- **Shell / process execution:** no
- **Environment & secrets:** no
- **Dynamic code execution:** no

*"Yes" means the capability is present in the source — more access means more to trust, not that it is unsafe.*


## Versions

- **0.1.0** — security scan: passed — Imported from the upstream source.

## Links

- Listing page: https://agentstack.voostack.com/l/skill-adamriofc-indonesian-business-agent-skills-financial-modeling
- Seller: https://agentstack.voostack.com/s/adamriofc
- Browse the marketplace: https://agentstack.voostack.com/browse

---
Listed on AgentStack — the marketplace for AI agent skills and MCP servers. Every listing is security-reviewed. Creators keep 70%.