Posted on November 15, 2009 with Comments Off
Want to develop business? You’ll need a capital. There are many sources of funding you can get. As of close friends, parents, cooperatives, or banks. But that need note, there is always accompanying requirements. Well, if you want to borrow capital from banks. Banks will assess in accordance with 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 visit include a commitment that built the business, business records such as suppliers, customers, and the history of banking. Banks will see if your business has a history of troubled loans or not. From the capital side, saw the bank needed capital to businesses. Banks can’t provide 100 percent financing to businesses that make capital. There must be self-financing (own capital), whether it comes from paid-in capital or accumulated profits into capital.
Posted on October 19, 2009 with Comments Off
Tips from the Citibank name, initial steps to manage finances better is to evaluate your current financial position, namely the re-asset records (whatever you have) and how much debt you have. Good way to manage finances is used to create a budget where you can monitor the income and expenditure.
Based on the survey Financial Intelligence (Financial Quotient) from City Indonesia, only about 29% of people who follow a monthly budget that they create, while 82% had at this stage of trying to create and follow a budget.
For the start of financial management and tidy up after you know the current financial position, and then it is good you set goals and how to achieve your financial goals. Objectives and Financial Plan is SMART (Specific, Measurable, Attainable, Realistic, Tangibles).
Posted on August 4, 2009 with Comments Off
Every time you get a paycheck, what do you do? Immediately set aside money to pay the bills? Or dividing it into the coffers other savings?
Apparently, the women have concerns that they lack enough money set aside for the future. The women feared they would run out of wealth in old age later. It was explained that this was common among women. “Women tend to live longer, need more long-term care as you age, must take care of the family, but they often do not have their own income. This fact should be aware of the importance of saving women from an early age, save more when they earn more. And finally, should be ahead of the financial plan period no longer productive.
Research shows that women often bear a large role for financial decisions, serves as head of the household financially. Women not only manage day-to-day expenses, but also all matters relating to family finances and long-term investment. So, what’s the problem? At least two mistakes in the financial arrangements that are often done by women. This information is needed for reflection and understanding of financial issues so as not to fall into the same hole over and over again.
Posted on May 17, 2009 with Comments Off
Regulations governing how mutual funds work very different from the banks, this is intended to provide protection to investors. In mutual funds, there are several parties concerned, Investment manager with the custodian bank issuing mutual fund products. Custodian banks charge to store and do all kinds of administrative activities in the management of mutual funds.
Meanwhile, the investment manager in charge of managing mutual fund investments in accordance with existing regulations and investment policies in order to obtain maximum results. Both have an unaffiliated party. This is intended so they can watch each other. If one party in breach, the other party shall report the matter to the Capital Market Supervisory Agency and Financial Institution as the capital market authority.
Separately, investment managers and custodian banks provide separate reports for the managed investment funds to the Capital Market Supervisory Agency and Financial Institution a regular basis.
Posted on April 17, 2009 with Comments Off
Indeed there are two opinions you need to know about Base money sucking techniques, namely by increasing interest rates or the deposit rates are raised. Indications of low bank deposit rates are decreasing in the interest of the community store and savings deposits at the bank.
A. Touching the public justice
People consider that the government was unfair to the people with taxes while raising the basic rights that should be provided by the government to the people such as security, good public services, and so can’t be met. By setting deposit interest tax provisions, interest savings, and discount the new SBI was evident that little was being blackmailed.
B. Taxes should be a bargaining tool against the government of the people.
The tax increase that you can receive should be, if the government can meet two prerequisites. Namely, the government including tax authorities can improve the quality of public services, and accountability of tax collectors apparatus can be improved.
Want to develop business? You’ll need a capital. There are many sources of funding you can get. As of close friends, parents, cooperatives, or banks. But that need note, there is always accompanying requirements. Well, if you want to borrow capital from banks. Banks will assess in accordance with the principle of 5 C, the character (character), capital (equity), collateral (security), capacity (capacity of business), and condition (business conditions).
