How to apply pinjama into independent Islamic banks
You intend to propose pembiyaaan asSME venture capital business to Bank Syariah Mandiri (BSM)? Why not try an easy way to get loans from the bank on this one? (first reading,advantages of using bank financing) Bank Syariah Mandiri (BSM) the Islamic banks which have the most powerful network in Indonesia today, so although somewhat private banks, You do not need to worry about the bank on this one. Has many experts who study the world economy with the sharia system developed by BSM, thus making bergaining of Islamic banks in Indonesia this one continues to experience rapid growth sufficient network.
Why not take advantage of financing the services provided by the Bank Syariah Mandiri to your business venture managers of SMEs? Bank Syariah Mandiri loan fund provides financial services to the public in the two types of micro-finance (ten million down) and financing macro (tens of millions to top). You can choose the type of financing in accordance with the assurance that you have and the amount of funds that you want.
In general, some of the requirements that you must have to financing submission to Bank Syariah Mandiri are as follows:
Some general requirements above you need to have before financing is submitted to the Bank Syariah Mandiri. Usually after you file a financing, parties of Bank Syariah Mandiri will survey the location to guarantee that you ask.
Why do you need to apply for financing to Bank Syariah Mandiri? Here are some of the main reasons:
How to choose a business inventory
Membangun bisnis di tingkat manapun membutuhkan sarana pendukung, including inventory or equipment business. Selecting a tool to support the business activities can not be done arbitrarily. Akin to the old adage "buy a cat in a sack", apabila membeli peralatan tanpa mengetahui kualitasnya terlebih dahulu dapat mengakibatkan kerugian ganda jika bisnis tersebut telah berjalan dan mempunyai konsumen.
Berikut adalah langkah-langkah tepat dalam memilih inventaris usaha yang sesuai dengan kebutuhan usaha.
1. Sesuaikan dengan kebutuhan
Usaha apa pun pastinya membutuhkan proses untuk menjadi besar. Therefore, jangan terpancing untuk melakukan belanja inventaris secara jor-joran di awal memulai usaha. Tentukanlah skala usaha sesuai dengan kemampuan, baru kemudian menyesuaikan kebutuhan inventaris dengan skala usaha tersebut.
Banyak pengusaha yang ingin mengejar produksi besar kemudian tertarik langsung memakai inventaris atau alat usaha yang berteknologi tinggi. Masalahnya, aplikasi alat berteknologi tinggi tersebut belum tentu cocok dengan semua kondisi usaha. Tidak mungkin apabila seorang pengusaha mie skala kecil menggunakan mesin pencetak mie berteknologi mutakhir, selain harga belinya lebih mahal tentu saja pengoperasiannya membutuhkan daya listrik yang tidak sedikit. Akibatnya biaya produksi jadi membengkak, lalu mengalami kerugian. Therefore the, sesuaikan inventaris dengan kebutuhan Anda, bila perlu konsultasikan terlebih dahulu dengan vendor penyedia alat usaha.
2. Utamakan kualitas
Dalam memilih inventaris usaha, selalu utamakan kualitas di atas segalanya. Walaupun secara harga mungkin lebih mahal, namun apabila kualitas produk yang dihasilkan bisa lebih bagus, mengapa tidak? Bandingkan jika menggunakan alat yang lebih murah yang bisa bermasalah di saat-saat penting Anda menjalankan usaha. Pelayanan bisnis terganggu dan konsumen akan meninggalkan.
Sudah banyak pengakuan dari pengusaha yang berani menggunakan alat berkualitas dalam usahanya. Rata-rata dari mereka mengaku mendapatkan produksi sesuai dengan yang diinginkan. In addition, alat berkualitas yang dimaksud tidak harus bermerek terkenal yang harganya selangit. Faktanya, di pasaran banyak terdapat alat-alat usaha yang kualitasnya sama bagusnya dengan merek terkenal namun dengan harga yang sedikit lebih terjangkau. Asalkan alat tersebut dapat bekerja dengan baik dan mampu memproduksi sesuai dengan kualitas yang diinginkan, ditambah lagi dengan jaminan garansi yang diberikan oleh vendor, maka hal tersebut sudah cukup.
3. Memilih vendor yang tepat
Bukan perkara mudah memilih vendor penyedia peralatan usaha yang tepat di antara sekian banyak vendor yang telah terdapat di pasaran. Untuk itu, pilihlah vendor yang telah terpercaya, memiliki reputasi baik, dan terbukti dalam membantu banyak pengusaha sukses. Tidak hanya itu, pertimbangkan juga faktor pelayanan yang diberikan oleh mereka, seperti jasa training pengoperasian mesin, ketepatan PO, konsultasi, bahkan layanan after sales service jika terjadi hal-hal yang tidak diinginkan nantinya.
In the business world has atw competitor competitors can no longer be avoided. Therefore ane mw try to share 15 These tips for agan agan in the face of competitors in order to survive in the business world.
1. In an effort to, emerging competitors is a natural thing. And we need to anticipate early. #15TipsBersaing
2. The presence of competitors jgn be used as a threat, but make opportunity and motivation For developing # 15TipsBersaing
3. There are several things you can do to deal with competitors since the early # 15TipsBersaing
4. Perform analysis early on when starting a SWOT analysis of internal and external analysis A- (competitors) #15TipsBersaing
5. When starting the process of making a business plan. Start planning for anticipated if there is a competitor entry # 15TipsBersaing
6. Of the competitors who actively, that we should be more active. Active for analyzing competitors # 15TipsBersaing
7. Competitor analysis can dlakukan dg visits to outlets competitors. Product test competitors, dg compare our # 15TipsBersaing
8. Consumers can also dg mndatangi, ask them never before satisfaction of competitors' products dbanding prod us # 15TipsBersaing
9. From the analysis of follow-up For competitors do not stop innovating in products. #15TipsBersaing
10. For details on search bs innovation in business innovation #InovasiUsaha Remember A- important sgt For prbaikan product # 15TipsBersaing
11. Business Innovation and improvement of product quality so that customers do not run into a competitor. #15TipsBersaing
12. Innovation in the event of promotion, For example, the more actively create awareness, trade promo, sales promo, discount # 15TipsBersaing
13. And that is very important always to communicate the advantages of our competitors dbanding the promotion dlm # 15TipsBersaing
14. In order not to run into a competitor, dg wake consumer relations, create community, create membercard, give the gift etc. # 15TipsBersaing
15. And every innovation, improvement of the quality and build customer relationships hrs dlakukan dg dg consistent # 15TipsBersaing
this is to avoid the online store you keep running and did not experience such a trivial mistake server down, or has reached the maximum bandwidth and so on, My advice is, looking specifically for online stores outside server, because it is usually locally expensive otherwise very limited bandwidth limit! it does not matter, If the online store you do not have very many visitors, but if you shop online visitors already in the thousands per day, I think the server is down, could be the reason that it is clearly seen that the online store you can not rely on glasses buyers.
Many cases of corporate failures in running the business. Not only business that just a short walk (1-2 year) but the effort that has been running for decades also has an equal chance to fail if it can not deal with the cause of the failure.
A concrete example that occurred in Batavia Air, which has been declared bankrupt aka bankruptcy. As reported by suarapengusaha.com, Batavia Air bankruptcy due to the management company that is not reliable. Manajamen are not competent to deal with companies with really only going to make a negative impact for the company.
In contrast to the Malaysian-owned airline, AirAsia where Tony Fernandez, CEO of implementing excellent management to avoid bankruptcy experienced by AirAsia. As we know, AirAsia taken over by Tony Fernandez when the company is insolvent with a very large amount of debt. But at this moment AirAsia is able to become one of the best airlines in Southeast Asia. Even able to become one of the sponsors one of the Premier League. It is not independent of management applied by Tony Ferandez to reconstruct the enterprise management system to success.
Each Flaws in a business must pick the causes and signs mengiringinnya. Here are some of the signs of the fall of a business that is summarized from various experiences of business practitioners who have experienced the ups and downs manage business.
First, Tidak Sabar. Pebisnis yang tidak tidak mempunyai kesabaran dalam menjalankan bisnisnya cenderung tidak telaten mengelola usaha. Moreover, impatience also cause a lot of carelessness that appears. Ketidaksabaran dan kecerobohan merupakan faktor yang sering menjadi penyebab hancurnya bisnis yang sudah dibina bertahun tahun.
Second, melupakan kepentingan usaha, and prioritizing personal interests. Start a successful businessman, seringkali lupa untuk membangun usahanya lebih kuat, and more competitive. Most business people who can not be moved at a good memajemen him fall asleep with efforts already underway, whereas in line with the development of the business, which he founded, many requirements needed to support the business activities. He actually increase and prioritize personal use that it has nothing to do with business activities.
He more priority to menimbum wealth and luxurious lifestyles of the results of its profits. Behave as if he had become a successful entrepreneur who has yet much remains to be done to establish a self-reliant in the company of all the problems that arise in case. Ia lebih banyak mengutamakan pencitraan kesuksesan perusahaan kepada masyarakat sekitar atau bahkan kolega-koleganya. This is kemudain backfire for him, when the financial condition of thinning the confusion menghamipirnya. And, if it can not react quickly then surely bankruptcy sooner or later be approached.
Third, terjebak kredit macet. Access to credit from banks that easy if not used with caution and measured will be the downfall of business dijalanai. It would be very wise when, credit used really used for business purposes and not for kepentinganpribadi.
Fourth, terlibat masalah hukum. Ketika sudah bertekad menjadi pewirausaha, The most important note is that social behavior should be away from legal issues, such deceptive, deceive others, steal and negative behavior, because any time someone could have caught laws bad for business are being built. If tangled legal issues, business reputation can be destroyed in a very short time.
Fifth, gampang tergoda promosi. Using company money for the benefit of the company that's hopes, but many nascent entrepreneur in addition have a habit of buying a product that no benefit is also easy to be tempted by the seduction campaign. Every exhibition always always sign a contract order goods without considering the company's financial condition.
Sixth, terlalu ambisius. Capital daring / ambitious without calculation, Sabet money here and there, regardless of where they come from money. In the end his efforts continue to slide down just because of the prestige wanted to be regarded as a multi-talented and successful entrepreneurs everywhere.
Seventh, lupa mengembalikan pinjaman. If borrowing is often forgotten that his reputation ruined menggembalikan, and if doing business with the results often neglected entitle the results to others. Because it is often forgotten that the use of business is duitnya people, businesses usually run ended with trouble and strife.
Eighth, kurang berinovasi, do not want and do not quickly learn about the condition of the business environment that is constantly evolving and constantly changing along with the changing times and social. Finally, the business did not sell and abandoned customers.
Ninth, tidak mampu melakukan kaderisasi, and lazy build system, and reluctant to delegate tasks to the team in its optimal well, making efforts to stagnate and lose energy to thrive. If not anticipated effort will eventually die.
Planning is an important factor in all fields. All success begins with good planning. Especially in the field of business. Creating a business plan is the key to success in bisnis.Sebelum delve further into making a business plan, you should first understand what is called a business plan. Business plan or business plan is usually made before a business running. Tujuan utama dibuatnya business plan adalah untuk menganalisis dan menilai proyeksi apakah suatu bisnis layak untuk dijalankan atau tidak.
Selain tujuan utama tersebut, tujuan mempersiapkan business plan adalah untuk memperoleh bantuan modal dalam menjalankan bisnis tersebut. Kalau tidak mempunyai modal sendiri, maka perencanaan bisnis ini bisa dijadikan seperti proposal untuk menarik orang lain terlibat dalam bisnis tersebut. Therefore the, business plan harus dibuat sekomprehensif dan sebaik mungkin agar memudahkan pihak calon pemodal untuk memahami dan pada akhirnya memutuskan untuk menanamkan modalnya pada bisnis yang akan Anda jalankan.
Selain kedua tujuan tersebut, business plan juga mempunyai beragam manfaat, di antaranya sebagai berikut.
Tips yang sebelum membuat business plan.
Komponen Standar business plan:
Tips-tips penyusunan business plan:
Sistematika business plan:
Business Plan bersifat dinamis dan dapat di update. Isinya disesuaikan dengan perubahan-perubahan yang terjadi tanpa mengubah garis besar. Tiap Business Plan berbeda-beda sesuai dengan jenis dan pelaku bisnis. Adapun garis besar (outline) Business Plan adalah:
Terakhir yang juga harus disiapkan adalah tampilan fisik dari business plan Anda. Pelajari lebih dulu kepada siapa akan Anda sampaikan business plan tersebut. Kemaslah dengan tampilan yang menarik menurut mereka, bukan menarik menurut Anda. Biasanya bisnis plan dibuat dalam suatu dokumen proposal. Namun saat ini, pengusaha diharapkan mampu membuat business plan dalam bentuk slide Power Point, dilengkapi dengan gambar yang berwarna serta grafik yang informatif. Tapi pada intinya, substansi dari bisnis plan tersebut tetaplah sama.
A friend once asked, how the hell do so we can live frugally. I continued to answer with a short and simple. To learn life-saving, first we must learn nyari money first, learn to work, learn business! LHA is not it, someone usually can only appreciate the money if he understands how difficult it is to find money it.
"So that means we must work so? Wow, can be screwed dong college?” Hehehe,
calm down buddy. Do not trigger thinking if it was working and going to school as something heavy or rada-rada gimanaa so… So for the rubric tips this time I will try giving away tips on how fun and successful way nyari money but also not less successful college.
Yoi friend, once again no harm to learn nyari money while in college. Let's say you're a rich kid, tetep no harm. Anyway fun aja if we can hard-earned money of its own, not as long as this is just a catch up on ortu. Wow, deh can not Explain how joy when holding the fruits of our money, although it was only slightly. Therefore, try it! Moreover, if you belong to the family of not capable or mediocre. Calculated to ease the burden on parents.
Profit and loss in recent mah. Anyway we first wrote effort. Yet sustenance already governed by God. If thinkin fear loss mulu, edges even if we're not so run it his business. The important thing we nyari first experience
Because our primary goal for students and learning, then do not wear big-big capital, for example, the investment of millions of dollars for the property business, or trade diamonds. Rational wrote for the student pocket. That as much if we lose not make us lose one's shirt. In fact, we can really do the business without capital can only gain is pretty big. Usually it is in the service sector, business like typing paper, business sanctify dirty clothes had one of my friends kos, so brokers traded goods and other basic needs.
Remember! Market share we must be clear. If we students would be good yes if we target the business segment among students. Market share in a relatively large student know. You can trade the needs of students, like selling groceries for children boarding, catering services (means ngebeliin food stalls to routinely make people lazy out, but we add the price of services ngebeliin), sales voucher hp, selling stationery, selling textbook, and others.
Business will not be successful if you are still shy, equally reluctant friend, and lainnya.Buang away feeling that mindermu! Pede wrote in business. Yet we also kosher nyari. So leave it there if my friends ngejek. We should be proud that, Young still could've business. So, tebel advance aja.
It is important. Because the success of our business depends a lot on how creative we are in the business working. Think of new ideas that others do not think that way. For example, as I once wrote and my friends are working on, namely managing materials dipotokopikan lecture and then we take some profit from there. That's seems trivial. But let trivial anyway my friends not thinking that way.
Anyway if something creative as possible, do not care about the strange and would diketawain people. Our principles, let the dogs barking, businessman still passed.
Let us countless small businesses, we must remain professional in the run.. Apply good management. Wear a good record-keeping or accounting. Implement the production and marketing of the right, market analysis… essentially not carelessly in business. If still carelessly wrote mending undo the business. Rather than try losses?
Business will be better if managed in the form of organization. Because the organization we can complement each other's deficiencies and synergy advantages that we have. Do not have a lot, just two or three people, then there is the role a director, there are so field marketing, production, or other publicity department.
Well, put the business you wrote it turns out was a huge success and thankfully millions of dollars, as well as expanding its network. Remember one thing! Do not fall asleep… we are still students whose primary task still studying. Do not get because of busy business, college so abandoned. In the end we are the losers. Loss on tuition fees, loss in time, and others. Therefore, we should be able to share time. Where the time course, where time business. Business in college if I think more as a learning. Lectures, however, remains to be prioritized.
Source : donations posts of Fauzan Muttaqien
Make article marketing as a means of getting customers
Article marketing is an information paper mengenati tips, browse related info is charged with the products / services you are selling it via the Internet.
You can write articles, especially for article marketing? Writing articles is necessary to specifically make article marketing. Writing articles provide information about something and when filled with activities in article marketing then subtly describes the products offered. Articles made to provide a solution / way out of the problems faced by consumers.
Those who visit the Internet requires information and solutions to all the problems. You need to look at this moment. Although not everyone who makes article marketing is unreliable and can answer their curiosity. But most important is trying to give to visitors.
If you are selling products on the internet without going to write an article for the purpose of promotion / marketing of your, the visitor does not know the advantages and superiority of a product you are selling. The nature of the buyer is “lazy thinkers” on business products. For that you need to provide assistance information. The buyer is not interested in buying the product sold but does not know anything about it before you tell.
Article marketing is not only focus on product sales. Article marketing can contain a suggestion for the problems faced by customers when it membrikan advice on the problem.
Article marketing can also help you in getting traffic build visits to the website / blog you create continuously.
In the world of online business is an article marketing plays an important role. But more important is to write what you know right.
Because if you do not quite understand about what you write, article marketing are created will not be able to understand. Let visitors, yourself hesitant to read his writings.
The visitors who have read the article you write will respond to what you write, with not just say "thank you", or "good article".
If the material presented good and benefit of Internet visitors who read your article, then they will give you a better commentary that will provide benefits and input of the content you wrote in article marketing it.
But in article marketing are made do not contain promotions that encourage prospective buyers to buyers continue to buy and more to buy. It will actually interfere with the achievement of business objectives and marketing strategies.
The more you write a quality article marketing, would be more and more friends and will further establish the level of credibility and trust from your customers. Will ultimately increase the sales figures.
Already, 15 seconds. That's the time you need to steal all the attention and give a positive impression on the listener presentation could be the boss or employee, and colleagues in the company. Listeners You also only need 15 minute to decide if your presentation is nice and worth listening to, or not.
Then, how to make them struck just in time 15 seconds? Here are the steps, as suggested by Inc.com.
1. Brief introduction
Do not spend time at the beginning to introduce yourself, very ineffective. If you are a speaker who was invited by the other party, let those who introduce who you are before you start the presentation. If not, introduce yourself briefly in a slide, needless to extraordinary lengths to explain.
2. Do not use jokes
Some people may argue that told jokes at the beginning of the presentation can warm the atmosphere and make you closer to the listener. It is a theory that has been fashioned. Joke at the beginning of the presentation is a sign that you are unsure and nervous. Listeners can be impatient if you linger with jokes that do not want to hear.
3. Do not start with background information
Usually the presentation will be opened with background information. Suppose "Our company has experienced during the 150 years in the retail field. "The opening of this kind seems ideal, but the problem, no one is concerned with background information. If your presentation in front of colleagues or superiors, then they must have been familiar with such information. Start with the fact that important and could provoke their curiosity.
4. Handlines their curiosity
To make the listener focus on what would you say, first you have to be curious them. First, do not open with a slide reading "John Doe, financial expert "followed by the description" Hi everyone, I am John Doe and I have worked as a financial expert for 15 year old. "
As a replacement, slide show with "Rp 1,000,000,000" This will provoke the attention of your audience. Then explain the "Yes, one billion dollars. That's the amount of money that has been wasted by each company each year. Yet, I can propose a way so that we do not lose anymore. "Compared to the opening of this first, listeners would be more interested if you do the second opening is not?
By doing the above four steps properly, we can be sure you will take all of the attention of listeners and did a great presentation.
Tips on how to maintain good relationships with co-workers
Being in the office and spend most of the time there surely you should be able to interact well with co-workers. Here are some steps that you can follow to establish a good relationship with friends at the office.
1.Give a smile
Nothing wrong with throwing a smile and greet your colleagues every day so to office. Being polite to please other people as well give a good impression for you in their eyes.
Interact with colleagues at every opportunity. Find out what the interest they, such as the type of music you listen to, the books they read, or movies they like. By knowing these things could be opening your casual chat.
3.Do not irritable
If co-workers about your catapult lelulon, no need to immediately get angry and attack, enough to laugh alone. Humor can establish relationships with colleagues and occasionally needed to relieve stress in the office. Yet, if lelulon is noticeably delay, for example, harassing or demeaning, You can ask a third party as a mediator. If it happens, make sure your emotions under control.
Occasional compliment if your co-workers achieved something. It would be important to focus on the good work done colleague, rather than look at the negative things he did.
Show respect for your teammates to comply with etiquette in the office or by responding to e-mails and messages from co-workers. If you ignore the message given by colleagues, especially regarding the information that is needed for the job, he may feel slighted.
If you want to be respected by other colleagues, then be similar to those. Always give a chance to others to express opinions, even if it is contrary to your opinion. If it turns out you do not like the personal co-workers, do not mix up the personal feelings with professional interests.
6. Overcome Conflict Professionals
The conflict is likely to occur among colleagues, but because it occurs in an office environment, You should be able to cope with a professional attitude. If a conflict occurs to you and a coworker, then overcome alone without referring other people to intervene. First try to correct themselves and avoid the rush complained to superiors.
7. Avoid Topics Not Comfortable
When talking with a co-worker, avoid topics that could make her feel uncomfortable. For example, topics about religion, family life, and so forth. Know that there are some people who feel uncomfortable to tell their personal life with work colleagues.
8. Do not Spread Rumors
Spreading gossip or rumors about a colleague is something you should avoid. If you hear the gossip of others, do not try to pass it on to someone else. The information you hear is not necessarily true, and if true, not your right to pass.