Digital Solution

Currently, banks do not only provide capital loans to companies but also individuals. There are malalui warranty and no. Contohlah state banks that are in the push for welfare for the society in Indonesia such as BRI, BNI and Mandiri. They also provide the opportunity for individuals to get credit.

So if you need capital to developing a business you are, it's good to start doing loan application through the Bank. Of course the stars do not guarantee every request you will be accepted. There are some conditions specified by the bank in providing venture capital.

Here star quotes from Sari Ayu Wulandari, Business Development Group Head of Small Business division of BNI, actually kind of business does not disputed. Even creative industries even as online marketing and IT development could really get a loan. Sure donk big banks such as BNI, BRI and independent need assurance that you can pay for it. So you should be able to convince the bank with a good business plan.

A good business plan by the bank could be as long-term planning studies and who the target market. Ayu bu firmly in Entrepreneurial Success Seminar.

Already ngertikan what is meant by the Star. So if you want to get a loan through a bank loan, yes you must provide a guarantee could return the debt along with the flowers.

This bro 5 criteria commonly used as Assessor big banks such as BNI, Mandiri and BRI:

1. Character: Well his name is also a character. so here the Bank wants to see your commitment, how the track record and how your management style.
2. Capital. : Well this is not a loan from the bank itself, but also your personal capital to spend on business development bro as well. Why? Because it is impossible all capital comes from banks. But not only that Hannya bro, the Bank also saw the composition of capital ownership (as investors also become members of the management etc.) and capital assets of which consist of two of tangible assets (land, buildings, machinery, stock, etc..) And intangible assets (brand , goodwill, good name, etc..)
3. Capacity: The Bank should also look at how the trend of sales results, comparison of costs and revenues, cost structure (fixed cost, variable cost), labor, production capacity, as hal2 that can provide guarantees to banks
4. Condition: if that is sort of similar industry conditions (whether the risk of small, medium, or high), licensing, competition situation (whether it was the market leader, market follower, niche market, or a single fighter) business prospects, and this is the most important: what or unique selling point (if easy to imitate, or difficult to imitate, and until when progress)
5. Collateral. Are there any guarantees, whether they are, intangible (personal guarantee, company guarantee, credit insurance, association or cooperative insurers, etc..) And tangible (cash, stock, equipment, vehicles, and that nature does not move, such as land and buildings)

Yup very true so Star suggest before you go to the bank, you must look to the five things above, but if you do not meet all of the above warranty. Not to worry, the Bank must also provide tolerance anyway you will borrow as an individual right?

For those who are interested in doing business capital loan to the bank. Proposals will be able to attract the interest of the bank, make proposals as detailed and realistic as possible, the following points wajin known.

1. Explanation of purpose of business development.
2. Target increase in sales and assets that are expected in detail.
3. The factors required for achieving the target.
4. Strengths, weaknesses, and opportunities that will arise in the development of the business.
5. Schedule and target completion time of the work plan.
6. Explanation of the parties associated with the development of the business.
7. . Plan the use of credit facilities, and repayment schedule.

Yup only 7 of the above to make the proposal a good business plan. And that you can do to make business loans to banks. All major banks such as BRI, BNI and Mandiri definitely be interested if they see the proposal as above. Of course there are other syarat2 that usually each bank has to determine such.

source : Female