Travel Loan and Insurance Info

Want to develop business? You'll need a capital. There are many sources of loans you can get Danayang. As of close friends, parents, cooperatives, or banks.

But that need dingat, there is always accompanying requirements. Well, if you want to borrow capital from banks, these tips from the head of the Small Business Development of Indonesian State Banking . the bank will assess according to the principle of 5 C, the character (character), capital (equity), collateral (security), capacity (capacity of business), and condition (business conditions).
For the character, the things that visits include a commitment that built the business, business records such as suppliers, customers, and the history of banking. Banks will see if the business Offset Digital Printing you ever had a history of troubled loans or not.

From the capital side, the bank saw the capital needed for business. Ayu said, the bank can not provide 100 percent financing to businesses that make capital. "There should be self-financing (own capital), whether it comes from paid-in capital or accumulated profits into capital.

Capital, among others, viewed from the composition of ownership that anyone, who the dominant currency, and who board the capital. This is important, because by knowing who is in control of this capital, the bank will know how to run a business continuity in the future.

Of this loan, Ayu also said that the proposed business capacity is also a contributing factor. Bank, among others will see the results of sales, cost structure, cash flow, the velocity of charges and fees on income.

"Banks lend capital, with the meaning of these banks are also wanting the sustainability of return on capital. In the proposal, the capacity of this proposed business is very important status. For business conditions (Translator) usually is seen is licensing. "Micro usual, this permission can from village or subdistrict head. To guarantee what could be guaranteed, Ayu said, there are two types of collateral that can be used as collateral, ie the tangible such as equipment, machinery, vehicles, buildings, or land.

As for the guarantees of such intangible personal or corporate guarantee as security provided credit insurance. Learn more How to Get a Small Business Loan: A Banker Shows You Exactly What to Do to Get a Loan (Small Business Series , No 1)


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