Are you including people who believe that money can be obtained with a flash business, which means that without? I do not. My people did not believe that money can be obtained with a glance. But I have confidence that can be broken, precisely the time in 1998 monetary crisis. I will never forget the days when I can get money so easily, even without a business that means at all. What I do when the only money I deposit in a bank. Think of the money of Rp 100 million that I depositokan, Voila! one month and then changed to Rp 140 million!
So a question arises, what the bank is so much terrible pay interest equal to the deposit. Penah I do not know where the money I save dibank is invested, but not long after the answer came with the news liquidation banks. Including my bank, just depositonya I have cairkan first, and for the second time I again prosper. Some friends who nyangkut funds in the bank, must wait for many days and mengantri in a very long queue to take their money back. Bank-side is the most losers, only losers, but not total up to the wall have to be closed. Interest payment obligations outstanding at the extreme end of history has been the bank where I lay for many years.
Imagine if you are in a position penghutang bank earlier cases such as (and often not the case?). Obligation home loan repayments, car loans or credit cards that suddenly increase because the interest rates and the more severe meroket if you pay late, you can create a knock. That is the magic system of interest-bearing, can be very profitable on the one hand but the disadvantage of others.
This fact has been proved that the viability of conventional banks are always disturbed by the interest rate fluctuation. From where will the show needs a banking system that is not based on interest. The needs of the banking system based on sharia for the results, it seems more a respite from the conventional banking system. However, if the views of our glasses as the customers, whether profitable if we save money in the bank syariah? After so long with the conventional banking system interest rates, bank syariah system can provide greater benefits to customers? "No I did not know then," for us who are used to the system in the interest of conventional banks, they may feel doubt for the system with Sharia bank. However, despite the many doubts before, would that do us the feeling we learn with the products in the savings bank syariah.
Differences With Conventional Bank Bank Syariah
Sharia bank is a bank that operates according to sharia, or Islamic religious principles. In accordance with the principles of Islam which prohibits interest or usury system is burdensome, the bank operates according to sharia partnership in all business activities on the basis of equality and justice. The fundamental difference between Sharia bank with conventional banks, among others:
1. Differences in philosophy
Principal difference between conventional banks with sharia bank is located on the philosophical foundations of dianutnya. Bank syariah system does not implement all activities in the interest while the bank is of the kovensional. This is a very profound difference to the products developed by Sharia bank, where interest rates to avoid the system the system that was developed and is selling to buy a partnership that was conducted in the form of the results. Thus, in fact all types of commerce transactions through the bank is allowed provided that sharia does not contain elements of interest (usury). Usury means the system is simple or compound interest-bearing interest in all the process can lead to membengkaknya obligations as one of the snow-ball effect on the story at the beginning of this article. I highly profitable but for the fatal result banknya. Usury, it is the potential to lead to large profits disuatu but the loss of dipihak, or even to both.
2. The concept of Customer Management of Funds
Bank syariah system in customer funds managed in the form of titipan and investment. How titipan and investment clearly different from the conventional bank deposits on which the deposit is a mem-effort bungakan money. Titipan means that the concept of funds at any time the customer requires, the syariah bank should be able to fulfill, a result of funds titipan become very liquid. This is the high liquidity of the funds to make less qualified titipan an investment fund that need settling. Because the funding is not settling old alias cuma titipan the bank can not only provide lopsided results. Meanwhile, if the client is invested funds, the investment is because the concept of the business bears the risk, meaning that every opportunity to take advantage of the business conducted, there are also risks to accept losses, then between the customer and banknya equally share the benefits and risks .
In accordance with the bank as the intermediary function of financial institutions that fund distributor to the customer's storage customers the borrower, the funds collected to the customer how titipan or earlier investment and, to be distributed or used in commerce that allowed traksaksi the sharia system. Results from the benefit funds that were distributed to customers in a variety of businesses that will be distributed to customers. Results of the high and the larger the profits that is distributed to the bank and its customers. However, if the small automatic benefits also benefit the small bank that is distributed to customers. So the concept of sharing can only be run if the funds in a bank customer must first invest in the business, the business profits to be divided. Unlike the savings of bank customers in the conventional, no matter whether the savings in SALURKAN in business or not, the bank still must pay interest.
Thus the system makes the results for the size of the benefit received by the customer following the size of the Sharia bank profits. The big advantage of the Sharia bank also benefits customers. Unlike the conventional banks, benefits banknya not be distributed to customers. No matter whatever the amount of conventional bank profits, customers paid only a number of Percentage of funds are to be stored.
3. Responsibilities Managing Zakah
Sharia bank managers are required to be in the sense of charity that is obligatory to pay zakat, compile, and distribute mengadministrasikannya. This is the role and functions inherent in the Sharia bank to mobilize social funds (zakat. Infak, charity)
4. Organizational Structure
In the organizational structure of a Sharia bank required the Board of Supervisors Sharia (DPS). DPS duty oversees all bank activities in order to comply with the principles of sharia. DPS dibawahi by this Board of Syariah Nasional (DSN). Based on reports from DPS on each financial institution sharia, DSN can provide if reprimand institutions concerned depart. DSN can also submit recommendations to the authority of institutions such as Bank Indonesia and the Ministry of Finance to sanction.
How We Save Money On Bank Syariah
Before we have the very savings, giro and deposits of conventional banks. In the three products to the bank this bulanya each bank promised to pay some interest. Sharia in the bank also has a savings deposit products, and giro deposits only as our customers do not receive interest payments. In the bank syarah there are 2 ways that people can choose to save money, namely:
1. Titipan / Wadiah
Menitip is to give power to others to maintain the property / goods. Thus titipan how to involve the people entrust (the customer), the parties dititipi (Sharia bank), the goods dititipkan (client funds). Commend commerce business is not that common, unless the recipient must set titipan care or pay the cost of administration for penitip. So Titipan can meet the requirements of commerce prevalent. This means banks have to maintain and is responsible for the goods dititipkan because administrative costs are paid. Checking account at the bank syariah system is managed with the usual so titipan known as the Giro Wadiah, basically because the account is of public funds in the bank for the purpose of payment and penarikannya can be made at any time. This means only a gyro titipan customer funds, not the funds invested. However, funds in the customer's giro can be used by the bank during the sediment, but the customers want to withdraw it at any time the bank must pay. Titipan as a reward from the bank used by the sharia, customers can receive a bonus lopsided services. However, this bonus is not in front of diperjanjikan but depends on the policies associated with the bank pendapatn bank. Savings account that the daily conditions at any time can be also managed in a way titipan, as are similar to the gyro only penarikannya different mechanisms.
2. Investment / Mudharabah
Is a form of commerce where capital owners (customers) pay the capital to the manager (bank) arranged for the benefit will be divided in accordance with the agreement of both parties. While the losses, if there will be borne by the owner of capital. Thus the investment involves a capital owner (the customer), the capital (the bank), capital (funds) should be clear how the amount, the period of capital, or the type of work projects in biayai, the portion of the profits. Deposits in the bank syariah investment managed in a way or mudarobah, so that the normal is known as Deposit Mudharabah. Bank Syariah deposits do not pay interest to the depositor, but pay for the benefits that set the ratio. Some type of savings measure also managed in a way mudharobah such as savings and education savings days old, Hajj savings, this savings measure known normal term Mudharabah Education Savings Accounts, Savings Hajj. Savings-savings can not be withdrawn by the owner of funds before maturity so that is eligible to invest.
How to Get Customer Benefits
If the conventional banks to pay interest to customers, the Sharia bank profits to pay for the results in accordance with the agreement. Agreement for the results of this set with a ratio of the number or ratio. Ratio between a bank with its customers early in the set, for example, determined the portion of each of the 60:40, which means that the top results of the akan didisitribusikan of 60% for the customers and 40% for banks. Number ratio is easily the information you get to ask customer service or to come directly and see the display board "Perhitugan Sharing and Distribution" in the branch bank syariah.
What Customers Savings Bank Syariah Government Guaranteed
In the case of insurance against pemerintak third-party funds in the bank, the bank syariah have the same position with the conventional banks. Funds in Sharia bank customers still guaranteed the government in accordance with the provisions of funds for the government guarantee on bank customers.
Kamis, 24 Juli 2008
Lend MONEY TO OTHER PEOPLE
Bu Broto current confusion. Just before lunch he got a phone call from his brother. What on earth? Simply: his brother wanted to borrow money. The amount may not be called necessary. But for the Bu Broto, including the large amount. Although he indeed have the money, but he does not really faced with the fact that he had to lend money to the relative proximity.
On the one hand, he does not let his brother tega involved in difficulties. But on the other hand, he fears the money will not be back. He was not patient to wait her husband's home office so that it can be told as soon as this confusion. Who knows her husband can provide input.
Have you ever experienced a situation such as that experienced Bu Broto? You were by friends or relatives who are in need a loan of money, but you fear the money will not be back. Do not have denied, that money is a concern that will not go back into the main consideration why you sometimes hesitate to lend money when there who want to borrow money. Yes, right? Is lend money?
If we have enough money, we should have been helping people who are short of money. Because in this life, mutual help is a must. If helping is realized in the form of action is oke-oke saja. But if in the form of money? Wow ... whoa. Lho, kok so?
Can not be denied, the good intention to help our people, we often make their own inconvenience. Turn borrow money, face miserably. Turn billed, susahnya ask forgiveness. Promises would be returned within a month, eh, this week-many also say there is not.
Kesannya and so we should pursue-NGEJAR him. This is what makes many people hesitate often lend money if there are other people who want to borrow money.
I actually only reasonable if a friend or relative comes to you and you want to borrow money. This means that he considers - the financial - you are able to meminjaminya enough money. Do not be angry if your friends or relatives who come to you. If you own the loans are need money, you will come to know the people you first right? And the people most close to you, usually is relative. Even if a friend, a close friend.
But no relationship can rarely lost because of the debt-claim. In fact, the more extreme, the possibility can not close the fracas occurred only because of debt. Of course we do not want things like that happen right?
Therefore, below are some tips that may be useful for you if other people who want to borrow money to you:
1. Preview your financial condition.
If you have money, does not mean you can become a bank for other people. Preview likely expenses of your family in the next few months. Perhaps your child needs to go to school. Maybe your baby will be born. Perhaps you will spend money for this, for that, and so forth. Do not leave when you need money, the money was in the hands of others.
If necessary, you may also be a number of loaned money to. That is, even though not every week there are people borrowing money to you, but you can remain vigilant in case a friend or relative you want to borrow money without the need to reject you because you already have your money and the rate they deserve to be assisted.
2. Carefully before giving
Try carefully before you lend money to other people. You must examine is the "ability of people to pay back debts." This is also done before the bank lend money to borrowers who want to borrow money. Perhaps some of the following list of questions can be useful, when there are people who will borrow the money to you.
o Who is he? What job? Is he friend or relative?
o For what purpose he borrowed the money? Business or living needs?
o Mendesakkah needs?
o What is the guarantee dijanjikannya? Whether he menjaminkan property bendanya menjaminkan, or he does not do anything and only have a verbal promise anyway?
o Does he have a history borrow money to you or other people? How "fate" debt-debt is? Are debt-debt can be dilunasinya or not?
o When he will return the debt? What promise is reasonable or not when adjusted to the background?
From the list of questions above, you can assess whether their own people that you want to lend money that is worth the money for the loan or not.
3. Create a Note
Do not be reluctant to make a written agreement be sealed at the top of the paper, when it lent the money to reach millions of rupiah. Or if under one million, a receipt may only be sufficient. The most important is that you make a recording. That need to be listed in the agreement or a receipt is who borrow, how much is borrowed, for what, and when will be returned.
With the recording of neat, you will know when you need to collect, and how much money you have pinjamkan. And if there are problems dikemudian days, the note can help you.
BILA LOANS ITU is due
Okay. We consider you lend money to him already. And now, it seems it's time for him to settle the loan to you. If so, there are two things that you might note:
1. Bill with friendly
Something that begins with a smile will take place with mulus. When it is time that people pay for, came directly to the house concerned. Why not telephone? Because this is to show that you are really serious. Start with a friendly, Ask how business, his family and so forth. New charge well. And if he does not or has not been able to pay, discuss and consider again whether you need to give relief to delay payment or installments.
2. Relakan part
This may include heavy to be carried out. Why do you need your money relakan part? Already tired-tired to find it, eh even casually given to the people.
Yes, if the cost turns out to collect your debt is greater than the value of debt, then there may be a good idea if you are debt merelakan only.
For example, the money you pinjamkan only Rp 100 thousands. But already many times asked, the only people who lend you is not able to pay. If you continue to persevere menagihnya, most likely costs you will spend more than the value of debt itself.
Not only that. The psychological, can dizziness be around you because understand, or perhaps your relationship with them can be lost. So what a stickler you take the money that Rp 100 thousand, if menagihnya can cost more than that. Moreover, if the person is really not capable, and would rather not.
So, we in principle to "bank" is here to help each other. The more you help people, the more that will also help to come to you. But one thing that is most important here: without the help of others viewpoints fur, but do not forget to help in a way that intelligent. Telitilah and consider carefully before you lend money to other people. Congratulations to consider.
On the one hand, he does not let his brother tega involved in difficulties. But on the other hand, he fears the money will not be back. He was not patient to wait her husband's home office so that it can be told as soon as this confusion. Who knows her husband can provide input.
Have you ever experienced a situation such as that experienced Bu Broto? You were by friends or relatives who are in need a loan of money, but you fear the money will not be back. Do not have denied, that money is a concern that will not go back into the main consideration why you sometimes hesitate to lend money when there who want to borrow money. Yes, right? Is lend money?
If we have enough money, we should have been helping people who are short of money. Because in this life, mutual help is a must. If helping is realized in the form of action is oke-oke saja. But if in the form of money? Wow ... whoa. Lho, kok so?
Can not be denied, the good intention to help our people, we often make their own inconvenience. Turn borrow money, face miserably. Turn billed, susahnya ask forgiveness. Promises would be returned within a month, eh, this week-many also say there is not.
Kesannya and so we should pursue-NGEJAR him. This is what makes many people hesitate often lend money if there are other people who want to borrow money.
I actually only reasonable if a friend or relative comes to you and you want to borrow money. This means that he considers - the financial - you are able to meminjaminya enough money. Do not be angry if your friends or relatives who come to you. If you own the loans are need money, you will come to know the people you first right? And the people most close to you, usually is relative. Even if a friend, a close friend.
But no relationship can rarely lost because of the debt-claim. In fact, the more extreme, the possibility can not close the fracas occurred only because of debt. Of course we do not want things like that happen right?
Therefore, below are some tips that may be useful for you if other people who want to borrow money to you:
1. Preview your financial condition.
If you have money, does not mean you can become a bank for other people. Preview likely expenses of your family in the next few months. Perhaps your child needs to go to school. Maybe your baby will be born. Perhaps you will spend money for this, for that, and so forth. Do not leave when you need money, the money was in the hands of others.
If necessary, you may also be a number of loaned money to. That is, even though not every week there are people borrowing money to you, but you can remain vigilant in case a friend or relative you want to borrow money without the need to reject you because you already have your money and the rate they deserve to be assisted.
2. Carefully before giving
Try carefully before you lend money to other people. You must examine is the "ability of people to pay back debts." This is also done before the bank lend money to borrowers who want to borrow money. Perhaps some of the following list of questions can be useful, when there are people who will borrow the money to you.
o Who is he? What job? Is he friend or relative?
o For what purpose he borrowed the money? Business or living needs?
o Mendesakkah needs?
o What is the guarantee dijanjikannya? Whether he menjaminkan property bendanya menjaminkan, or he does not do anything and only have a verbal promise anyway?
o Does he have a history borrow money to you or other people? How "fate" debt-debt is? Are debt-debt can be dilunasinya or not?
o When he will return the debt? What promise is reasonable or not when adjusted to the background?
From the list of questions above, you can assess whether their own people that you want to lend money that is worth the money for the loan or not.
3. Create a Note
Do not be reluctant to make a written agreement be sealed at the top of the paper, when it lent the money to reach millions of rupiah. Or if under one million, a receipt may only be sufficient. The most important is that you make a recording. That need to be listed in the agreement or a receipt is who borrow, how much is borrowed, for what, and when will be returned.
With the recording of neat, you will know when you need to collect, and how much money you have pinjamkan. And if there are problems dikemudian days, the note can help you.
BILA LOANS ITU is due
Okay. We consider you lend money to him already. And now, it seems it's time for him to settle the loan to you. If so, there are two things that you might note:
1. Bill with friendly
Something that begins with a smile will take place with mulus. When it is time that people pay for, came directly to the house concerned. Why not telephone? Because this is to show that you are really serious. Start with a friendly, Ask how business, his family and so forth. New charge well. And if he does not or has not been able to pay, discuss and consider again whether you need to give relief to delay payment or installments.
2. Relakan part
This may include heavy to be carried out. Why do you need your money relakan part? Already tired-tired to find it, eh even casually given to the people.
Yes, if the cost turns out to collect your debt is greater than the value of debt, then there may be a good idea if you are debt merelakan only.
For example, the money you pinjamkan only Rp 100 thousands. But already many times asked, the only people who lend you is not able to pay. If you continue to persevere menagihnya, most likely costs you will spend more than the value of debt itself.
Not only that. The psychological, can dizziness be around you because understand, or perhaps your relationship with them can be lost. So what a stickler you take the money that Rp 100 thousand, if menagihnya can cost more than that. Moreover, if the person is really not capable, and would rather not.
So, we in principle to "bank" is here to help each other. The more you help people, the more that will also help to come to you. But one thing that is most important here: without the help of others viewpoints fur, but do not forget to help in a way that intelligent. Telitilah and consider carefully before you lend money to other people. Congratulations to consider.
REQUIREMENTS TO CREDIT IN THE BANK
On the numbers, we have been acquainted with the product at a glance the credit in the bank. Now, we will talk about how the terms of a loan in the bank. Akan time as a savings in the bank, you will be asked submit a copy identity such as ID cards, driver's license, or passport. You are also requested to fill out a form of savings that contain personal datadata yourself. The goal is that the Bank has the correct information, so that they can identify yourself as a legitimate and entitled to perform transactions from your account. That is, if you want to save money in the bank. Now what if you want to borrow money from the bank? Here, the bank as a loan fund called the creditor and the borrowing of funds from the bank called the debtor.
Requirements to apply for credit in the bank is not expected serumit people. Even syaratnya actually quite easy. But of course, there is more data that must be completed than if you open a savings account. This is only fair. Isn'T bank. You sendiripun akan berhatihati and certainly does not want to lend money to the board if any person does not believe that your money will be returned. Like others, if you give as gifts or donations.
Nah, to assess whether the candidates are given credit worthy borrowers, the bank must get the information correct and accurate, such as the character of the debtor, the funds held at this time, the influence of economic conditions at this time against the debtor, the security submitted, and many more .
More or less the same as you, the bank also received a proposal in which the credit entry kehatian implement the principles in-hatian lend money. This is required by the undangundang about banking in Indonesia, even in the world.
Remember that every cent of which was distributed to the public by the bank is owned by the community as well. For each client funds that are saved in the bank, the bank promised to return it to the customer at any time following the interest rates. Because the bank always perform a range of credit analysis to assess the feasibility of the credit will be given to prospective customers.
Anyone can submit a bank providing credit to qualify. In general, the bank debiturnya divides into two major groups, the individual debtor and the debtor company (once again, is the debtor who borrowed money from the bank).
The following are the requirements that banks are required from each group debiturnya.
Individual debtor
Individual debtor consists of a variety of professional backgrounds. Can be doctors, artists, civil servants, clothing designer, architect, private employees, vendors, and others. Tiaptiap profession have something special for themselves by the bank divided into three groups, namely entrepreneurs, employees, and professionals.
Requirements that are required for each individual debtor is, in general, is the same as:
1. Coffee identification (ID card, driver's license, or passport)
2. Copy marriage certificate (for married)
Bank asks for a copy of marriage certificate for the debtor who is already married to see if the property is a property dijaminkan husband-wife or not, so that both husband and wife or debtor dimintai approval and can take part responsible for the property to the dijaminkan following a number of bank debt.
3. Coffee card family.
Same as number 2 above and also to determine whether the prospective borrowers also bear the cost of living oang other than himself.
4. Rekekening newspaper, coffee / coffee or checking account in a bank savings book anywhere between 6 s / d last 3 months.
Data Bank is required to perform financial analysis debiturnya candidate, so it can be measured in how much revenue can be a debtor to pay the loan installment every month.
5. Coffee salary slip and a letter from the company's work.
This requirement only applies to prospective borrowers who work in a company, government or private sector. The goal is to ensure that prospective borrowers are working there and have a fixed income every month.
Debtor BOARD BUSINESS / COMPANY
Debtor in the form of a body corporate includes a business such as CV, PT, firm, and others. Requirements that are required are:
1. Coffee of the identity of the management company (director & trustee)
2. Coffee NPWP (Main Number assessable)
3. Coffee SIUP (Surat Ijin Usaha Perdagangan)
4. The Coffee Company's Akte Notaris
5. Coffee TDP (Company Registration Number)
Points number 1 s / d 5 will be used by the bank to check the validity / legality of what is listed on the deed to the field of business, all of perizinannya and tax obligations to the country.
6. Coffee newspaper account / giro or savings book at any bank for 6 s / d last 3 months.
7. Other financial data, such as balance sheet, profit loss report, the sale & purchase of notes daily, and other bookkeeping data.
Points number 6 and 7 are used to perform various Bank financial analysis of prospective debiturnya. Competence in the debtor to pay back debts akan analyzed from various sides, such as: ability to pay back debt in the short term, management capacity and effectiveness in managing sumbersumber held, the ability to print in return, and so forth.
WARRANTY
When a loan to the bank, usually you will be asked to menjaminkan a property that you own the bank so if you can not afford to make repayments, the bank will foreclose the property you are jaminkan instead of money you borrow. Of course, the value of goods that guarantee must be greater or at least should be the same as the value of money you borrow.
Assurance required by the Bank Credit for Home Ownership is usually home to be purchased it. Car Ownership in the Credit, the car will be purchased it is usually made jaminannya.
While for the Business Credit and Credit Serba Guna, the required insurance is usually more varied, such as land, houses, shop, apartment, vehicle, factory and others.
To assess whether the proposed collateral eligible for dijaminkan the Bank will assess the proposed re-insurance, usually the Bank has its own team of assessors in the insurance rate, although it sometimes is also a bank wearing a team from outside the insurance assessors.
Well, hopefully with this description you will not need to hesitate to borrow money from banks. Whether it needs to buy a house, car, business capital, and so forth.
Requirements to apply for credit in the bank is not expected serumit people. Even syaratnya actually quite easy. But of course, there is more data that must be completed than if you open a savings account. This is only fair. Isn'T bank. You sendiripun akan berhatihati and certainly does not want to lend money to the board if any person does not believe that your money will be returned. Like others, if you give as gifts or donations.
Nah, to assess whether the candidates are given credit worthy borrowers, the bank must get the information correct and accurate, such as the character of the debtor, the funds held at this time, the influence of economic conditions at this time against the debtor, the security submitted, and many more .
More or less the same as you, the bank also received a proposal in which the credit entry kehatian implement the principles in-hatian lend money. This is required by the undangundang about banking in Indonesia, even in the world.
Remember that every cent of which was distributed to the public by the bank is owned by the community as well. For each client funds that are saved in the bank, the bank promised to return it to the customer at any time following the interest rates. Because the bank always perform a range of credit analysis to assess the feasibility of the credit will be given to prospective customers.
Anyone can submit a bank providing credit to qualify. In general, the bank debiturnya divides into two major groups, the individual debtor and the debtor company (once again, is the debtor who borrowed money from the bank).
The following are the requirements that banks are required from each group debiturnya.
Individual debtor
Individual debtor consists of a variety of professional backgrounds. Can be doctors, artists, civil servants, clothing designer, architect, private employees, vendors, and others. Tiaptiap profession have something special for themselves by the bank divided into three groups, namely entrepreneurs, employees, and professionals.
Requirements that are required for each individual debtor is, in general, is the same as:
1. Coffee identification (ID card, driver's license, or passport)
2. Copy marriage certificate (for married)
Bank asks for a copy of marriage certificate for the debtor who is already married to see if the property is a property dijaminkan husband-wife or not, so that both husband and wife or debtor dimintai approval and can take part responsible for the property to the dijaminkan following a number of bank debt.
3. Coffee card family.
Same as number 2 above and also to determine whether the prospective borrowers also bear the cost of living oang other than himself.
4. Rekekening newspaper, coffee / coffee or checking account in a bank savings book anywhere between 6 s / d last 3 months.
Data Bank is required to perform financial analysis debiturnya candidate, so it can be measured in how much revenue can be a debtor to pay the loan installment every month.
5. Coffee salary slip and a letter from the company's work.
This requirement only applies to prospective borrowers who work in a company, government or private sector. The goal is to ensure that prospective borrowers are working there and have a fixed income every month.
Debtor BOARD BUSINESS / COMPANY
Debtor in the form of a body corporate includes a business such as CV, PT, firm, and others. Requirements that are required are:
1. Coffee of the identity of the management company (director & trustee)
2. Coffee NPWP (Main Number assessable)
3. Coffee SIUP (Surat Ijin Usaha Perdagangan)
4. The Coffee Company's Akte Notaris
5. Coffee TDP (Company Registration Number)
Points number 1 s / d 5 will be used by the bank to check the validity / legality of what is listed on the deed to the field of business, all of perizinannya and tax obligations to the country.
6. Coffee newspaper account / giro or savings book at any bank for 6 s / d last 3 months.
7. Other financial data, such as balance sheet, profit loss report, the sale & purchase of notes daily, and other bookkeeping data.
Points number 6 and 7 are used to perform various Bank financial analysis of prospective debiturnya. Competence in the debtor to pay back debts akan analyzed from various sides, such as: ability to pay back debt in the short term, management capacity and effectiveness in managing sumbersumber held, the ability to print in return, and so forth.
WARRANTY
When a loan to the bank, usually you will be asked to menjaminkan a property that you own the bank so if you can not afford to make repayments, the bank will foreclose the property you are jaminkan instead of money you borrow. Of course, the value of goods that guarantee must be greater or at least should be the same as the value of money you borrow.
Assurance required by the Bank Credit for Home Ownership is usually home to be purchased it. Car Ownership in the Credit, the car will be purchased it is usually made jaminannya.
While for the Business Credit and Credit Serba Guna, the required insurance is usually more varied, such as land, houses, shop, apartment, vehicle, factory and others.
To assess whether the proposed collateral eligible for dijaminkan the Bank will assess the proposed re-insurance, usually the Bank has its own team of assessors in the insurance rate, although it sometimes is also a bank wearing a team from outside the insurance assessors.
Well, hopefully with this description you will not need to hesitate to borrow money from banks. Whether it needs to buy a house, car, business capital, and so forth.
Small businesses with capital, possible?
Own a business or own a business it is imipian many people at this time. However, betulkah to have a business that required large capital? Sure many will say that, depending on the type of business. Then how besarkah capital is considered to be large? This also is a question that the answer can vary.
One member of the group Wirausaha throw a question to the forum some time ago. The question is "What Business can be started with a capital of five million?"
In fact this question answered to by some members of the mailing list with a different attitude. Have suggested that M.LM. Types of businesses that have a challenge, especially in memilah-milah M. LM where the "correct" and which is a money game with iming-iming income offer a fast and large.
Some people suggest that small-scale business franchise as currently offered by a famous brand of food, Bogasari.
Bogasari currently has to offer different types of franchises such as kiosks selling hambuger, noodles, etc.. Capital would vary, ranging from half a million over the eight, with a variety of easy credit.
Fresh Corn and Burger Edam was also proposed to be the type of business - a place that requires strategic thinking so that prospects good.
There is also a suggested selling wet pastry to office workers because usually this does not kantoran had breakfast at home. Condition, jualannya morning and must select the office is in the shop or building a small, usually because the administration will be more difficult to sell in building a large office.
In addition to selling food breakfast, sell (or receive orders) in the snack into the weekend was one of the other valuable input. For example mpek-mpek, brownies, macaroni rooms - suitable as a complement the weekend kantoran workers or mothers kantoran which was not cooking. Recommended for price quote and sample it first, on Wednesday is expected to start the order entry and on Friday ordered the food was delivered live.
Among the positive reactions appeared to have also tended to say that the negative with the capital, we can not expect too much. Betulkah?
In fact many who do not concur. Conclusion of several group members enter the World Wirausaha said that major investment in a business is a willingness and hard work. Thus, do not expect too much from the business without a second to this.
But what business does not truly need the capital?
It is no capital (money) may not start a business. But there is a longer entry that appears when this discussion took place, about the opinions (or academic) someone that this theory does not apply to those who are 'desperate'.
Some tips are given to start a business with relatively small capital, among others:
-Tabunglah a small profit for the capital increase, so that the business little by little become larger. After business propektif visible, certainly akan Dilirik by investors or banks to offer loan capital.
-Make a proposal on the business plan that will digeluti, as a tool that can be used to convince other people that have a capital. Perhaps a friend, customer or others as a source of capital that are not from financial institutions.
-This is important, because not all capital can be obtained from the bank when we will start the business. There are also people who start businesses with capital from other people, can be a pattern for the same job or in another form.
-With creativity, which is not necessarily other people can do.
Congratulations and try not easy to despair!
One member of the group Wirausaha throw a question to the forum some time ago. The question is "What Business can be started with a capital of five million?"
In fact this question answered to by some members of the mailing list with a different attitude. Have suggested that M.LM. Types of businesses that have a challenge, especially in memilah-milah M. LM where the "correct" and which is a money game with iming-iming income offer a fast and large.
Some people suggest that small-scale business franchise as currently offered by a famous brand of food, Bogasari.
Bogasari currently has to offer different types of franchises such as kiosks selling hambuger, noodles, etc.. Capital would vary, ranging from half a million over the eight, with a variety of easy credit.
Fresh Corn and Burger Edam was also proposed to be the type of business - a place that requires strategic thinking so that prospects good.
There is also a suggested selling wet pastry to office workers because usually this does not kantoran had breakfast at home. Condition, jualannya morning and must select the office is in the shop or building a small, usually because the administration will be more difficult to sell in building a large office.
In addition to selling food breakfast, sell (or receive orders) in the snack into the weekend was one of the other valuable input. For example mpek-mpek, brownies, macaroni rooms - suitable as a complement the weekend kantoran workers or mothers kantoran which was not cooking. Recommended for price quote and sample it first, on Wednesday is expected to start the order entry and on Friday ordered the food was delivered live.
Among the positive reactions appeared to have also tended to say that the negative with the capital, we can not expect too much. Betulkah?
In fact many who do not concur. Conclusion of several group members enter the World Wirausaha said that major investment in a business is a willingness and hard work. Thus, do not expect too much from the business without a second to this.
But what business does not truly need the capital?
It is no capital (money) may not start a business. But there is a longer entry that appears when this discussion took place, about the opinions (or academic) someone that this theory does not apply to those who are 'desperate'.
Some tips are given to start a business with relatively small capital, among others:
-Tabunglah a small profit for the capital increase, so that the business little by little become larger. After business propektif visible, certainly akan Dilirik by investors or banks to offer loan capital.
-Make a proposal on the business plan that will digeluti, as a tool that can be used to convince other people that have a capital. Perhaps a friend, customer or others as a source of capital that are not from financial institutions.
-This is important, because not all capital can be obtained from the bank when we will start the business. There are also people who start businesses with capital from other people, can be a pattern for the same job or in another form.
-With creativity, which is not necessarily other people can do.
Congratulations and try not easy to despair!
New Motor Credit System
Recently, one member of the mailing list Wirausaha tells about a purchase of new motor system in the office environment.
For example, for one unit of brand X motor, only have to pay DP Rp. 5,000,000, - plus administrative costs Rp. 700.000, - to be able to have a new motor. [motor usually received two weeks of delivery DP].
Then, two years later, the buyer is required to settle the remaining Rp. 8,500,000 fit, when the motor is not being paid back.
So total price of motor = 5 + jt 700 jt rb + 8.5 = Rp 14,200,000, which price is the same as the price in cash to buy a motorcycle.
When this system is compared with the use of credit leasing selisihnya about Rp 3,000,000-an.
This system simply raises the question as how the new calculation of the benefits? Answer incoming also vary.
There is a possibility that the system can do this is a cooperative where the cooperative's employees take a hit only Rp. 700.000, - for administrative costs. Another possibility is that the seller has to get italics price (discounted price) directly from the dealer and paid the invoice.
Others thought that this system is quite beneficial for the seller because of the difference between the cost of administration may be closed by the cost of deposits and bank interest. There are calculations that estimate the benefits of the system using the customer deposit initial capital for the rotation on their companies, it is actually quite risky for the customer, especially if this is offered by businesses and individuals not close acquaintances.
One member of the Entrepreneurial World mailing list also have almost the same story that, unfortunately, ended poorly. That is a cooperative that also offer the same thing and running smoothly during the year. Not long, interesting all the dealers motorcycle because not settle cicilannya. Of course, the customers are confused because they pay for this installment never menunggak to the cooperative but still being a motorcycle dealership with reasons not to pay installments for two-three months. In fact, the cooperative does not pay the repayments to the dealer for this.
For example, for one unit of brand X motor, only have to pay DP Rp. 5,000,000, - plus administrative costs Rp. 700.000, - to be able to have a new motor. [motor usually received two weeks of delivery DP].
Then, two years later, the buyer is required to settle the remaining Rp. 8,500,000 fit, when the motor is not being paid back.
So total price of motor = 5 + jt 700 jt rb + 8.5 = Rp 14,200,000, which price is the same as the price in cash to buy a motorcycle.
When this system is compared with the use of credit leasing selisihnya about Rp 3,000,000-an.
This system simply raises the question as how the new calculation of the benefits? Answer incoming also vary.
There is a possibility that the system can do this is a cooperative where the cooperative's employees take a hit only Rp. 700.000, - for administrative costs. Another possibility is that the seller has to get italics price (discounted price) directly from the dealer and paid the invoice.
Others thought that this system is quite beneficial for the seller because of the difference between the cost of administration may be closed by the cost of deposits and bank interest. There are calculations that estimate the benefits of the system using the customer deposit initial capital for the rotation on their companies, it is actually quite risky for the customer, especially if this is offered by businesses and individuals not close acquaintances.
One member of the Entrepreneurial World mailing list also have almost the same story that, unfortunately, ended poorly. That is a cooperative that also offer the same thing and running smoothly during the year. Not long, interesting all the dealers motorcycle because not settle cicilannya. Of course, the customers are confused because they pay for this installment never menunggak to the cooperative but still being a motorcycle dealership with reasons not to pay installments for two-three months. In fact, the cooperative does not pay the repayments to the dealer for this.
Recognize SIMPANAN PRODUCTS IN BANK
You certainly never deal with the bank. But if I ask whether there are any among you who know what is actually a bank, I do not believe everything can be said. If not, why do you still want to open bank accounts and save money there? Readers need not worry, I already own a savings account at the bank since my high school, though I also do not know themselves what is the bank (when my parents used to work at the bank).
This paper will discuss a bit about what is a bank, and any products sold by banks, especially simpanannya product. The Bank is an institution that is the main business save money and borrow from the public.
For example, if you save money in the bank (eg deposits), you may get the interest rate will be 10 percent per year. In turn, banks will lend money to the community, and those who borrow money should pay interest to the bank is higher than 10 percent. That is the difference between the percentage of the profits into the bank. That is just the advantage unclean, lo. In fact, the benefits obtained from the difference that still must be reduced again to pay the operational costs of the bank, such as staff salaries and office expenses of others.
Often referred to as the Bank intravenously economic activities of a country. In humans for example, the pulse is a "channel" on duty, bringing oxygen-oxygen (which is in the blood) from one body part to another body part. If in humans, causing less blood will be sluggish, then the state, less money will result in a sluggish state economy. This is because money is the blood of the economy. There is no business that will open if there is no money. You would not have if there is no iming-iming money, right?
Therefore, it is not excessive if we know more about the products that are in the bank. Thus we can mendayagunakan products that fit as closely as possible with our needs.
Have said earlier, that the business is the main bank as a money saving and borrowing money. Therefore, banking products can be divided into two: products, savings and loan products. This paper will discuss the first products in the savings bank and how to maximize benefits. Soon we may be able to product a loan.
1. Giro
Giro account is an account that money can be taken every day, in which the account is equipped with the facility of payment check and giro Bilyet. When you deal with others, then you can pay with a check or giro Bilyet. Checks are securities in which the person who gave you this check can be directly menguangkannya in the bank. While the gyro is Bilyet securities in which the people you do not give giro giro can turn it in a bank, but must first disetorkan to account. Then after that the money will be liquid in the account.
Account does not usually give flowers. Even if there is a bank that provides interest rate, the interest rate is usually small and often referred to by the term "giro service." At this time, usually a bank giro service provides a maximum of 1 - 2 percent of the total balance (usually) the lowest which is the provision of at least a month.
Minimum deposit to checking account is different at each bank. But at this time, the smallest amount of deposit is Rp 250,000 (for individual account) and Rp 500,000 (for the company's checking account).
As a reciprocal back on services and facilities provided, then almost all banks charge customers according to the administration of direct gironya deducted from the account each month.
With checking account, each month you will get a newspaper account (such routine reports) sent to your address each month. In the report is written to when and what and how much money go out in your account.
2. Savings
Savings is the product of savings in bank deposit and penarikannya can be done at any time. Almost every person must feel a savings account at the Bank. Not only in one bank, but also in two or three banks at once. So why can? The answer is because at this time savings is not only used as a means of saving money, but also with other facilities that has a bit outside the purpose of saving itself. For example facilities such as debit, ATM facilities, transfers, and so forth.
So if seen, the purpose of saving someone in the bank can be divided into two. First, because you want to really save money to be able to gather a certain amount of funds in the future. For example, such as saving to buy a particular need. Second, just want to make the savings account as a gathering, not to actually save money. For example, such as accounts that the money used to pay for the monthly shopping. Well, here in the form of facilities and ATM Cards Debit Cards new fully used.
An initial deposit is the minimum amount that must be disetorkan as a condition for opening a savings account. Balance is at least a minimum amount that must be disisakan on your savings. An initial deposit and minimum balance on savings is usually the same, for example, if an initial deposit is Rp 25,000 and the balance at least Rp 25,000. But the composition between the two can not just depend on the regulations banknya. So also with the amount of initial deposit and minimum balance required.
Check back provision was a minimum balance in your savings, whether you allow the bank customers withdrawing savings make up the amount under the minimum balance and the fine imposed if the balance reaches a minimum at the bottom? Should choose a savings account that requires a minimum balance is small so you can make a more liberal withdrawal from your savings
Bank savings interest rates given that the funds saved in the savings can be developed, so that customers increasingly diligent saving. Interest savings are usually calculated each month from the end ratarata daily balance for the month. Interest savings can be provided in a single rate. That is, how any amount of money in your savings interest rates remain the same. Can also be graded on. This means that the balance on the number of different, given that interest is not the same. Usually, the more sediment balance of a given interest rate the higher.
As a reciprocal back on services and facilities provided, the Bank put on almost all administrative costs directly to customers the savings deducted from each month. But at this time there is also the Bank does not impose administrative costs on the savings.
Passbook is used as the recording media of your transaction. Savings books usually also have to be taken when doing akan cash at the checkout. There is also a change the bank passbook account with the newspaper delivered to your address every month. In the report written when and for what and how much money go out in your account.
3. Deposit
Is the product of savings deposits in banks and deposit penarikannya can only be done at certain times only. For example, if you put money Rp 1 million deposit on a 3 month period, then the money Rp 1 million are new you can take after 3 months have elapsed. Of course, you also promised delivery of a particular flower that you can enjoy at the time of the deposit due.
Deposit interest rate is usually higher than savings interest. This is because your money will be "locked" for some period of time so that the bank felt it necessary to guarantee the interest rate is higher than the interest rate on savings account is money you can pull at any time. This is usually the main attraction into deposits.
Unlike the savings that can be opened with a small initial deposit. Minimum deposit for the placement of deposits is greater, the amount of each bank varies, but at this time is the most minimum of Rp 500,000.
Benefits from other deposits is not dikenakannya monthly cost of administration, because jarangnya transactions through the bank account deposits. Walupun so there is still the cutting of taxes calculated from the deposit interest rate deposits that you get.
This paper will discuss a bit about what is a bank, and any products sold by banks, especially simpanannya product. The Bank is an institution that is the main business save money and borrow from the public.
For example, if you save money in the bank (eg deposits), you may get the interest rate will be 10 percent per year. In turn, banks will lend money to the community, and those who borrow money should pay interest to the bank is higher than 10 percent. That is the difference between the percentage of the profits into the bank. That is just the advantage unclean, lo. In fact, the benefits obtained from the difference that still must be reduced again to pay the operational costs of the bank, such as staff salaries and office expenses of others.
Often referred to as the Bank intravenously economic activities of a country. In humans for example, the pulse is a "channel" on duty, bringing oxygen-oxygen (which is in the blood) from one body part to another body part. If in humans, causing less blood will be sluggish, then the state, less money will result in a sluggish state economy. This is because money is the blood of the economy. There is no business that will open if there is no money. You would not have if there is no iming-iming money, right?
Therefore, it is not excessive if we know more about the products that are in the bank. Thus we can mendayagunakan products that fit as closely as possible with our needs.
Have said earlier, that the business is the main bank as a money saving and borrowing money. Therefore, banking products can be divided into two: products, savings and loan products. This paper will discuss the first products in the savings bank and how to maximize benefits. Soon we may be able to product a loan.
1. Giro
Giro account is an account that money can be taken every day, in which the account is equipped with the facility of payment check and giro Bilyet. When you deal with others, then you can pay with a check or giro Bilyet. Checks are securities in which the person who gave you this check can be directly menguangkannya in the bank. While the gyro is Bilyet securities in which the people you do not give giro giro can turn it in a bank, but must first disetorkan to account. Then after that the money will be liquid in the account.
Account does not usually give flowers. Even if there is a bank that provides interest rate, the interest rate is usually small and often referred to by the term "giro service." At this time, usually a bank giro service provides a maximum of 1 - 2 percent of the total balance (usually) the lowest which is the provision of at least a month.
Minimum deposit to checking account is different at each bank. But at this time, the smallest amount of deposit is Rp 250,000 (for individual account) and Rp 500,000 (for the company's checking account).
As a reciprocal back on services and facilities provided, then almost all banks charge customers according to the administration of direct gironya deducted from the account each month.
With checking account, each month you will get a newspaper account (such routine reports) sent to your address each month. In the report is written to when and what and how much money go out in your account.
2. Savings
Savings is the product of savings in bank deposit and penarikannya can be done at any time. Almost every person must feel a savings account at the Bank. Not only in one bank, but also in two or three banks at once. So why can? The answer is because at this time savings is not only used as a means of saving money, but also with other facilities that has a bit outside the purpose of saving itself. For example facilities such as debit, ATM facilities, transfers, and so forth.
So if seen, the purpose of saving someone in the bank can be divided into two. First, because you want to really save money to be able to gather a certain amount of funds in the future. For example, such as saving to buy a particular need. Second, just want to make the savings account as a gathering, not to actually save money. For example, such as accounts that the money used to pay for the monthly shopping. Well, here in the form of facilities and ATM Cards Debit Cards new fully used.
An initial deposit is the minimum amount that must be disetorkan as a condition for opening a savings account. Balance is at least a minimum amount that must be disisakan on your savings. An initial deposit and minimum balance on savings is usually the same, for example, if an initial deposit is Rp 25,000 and the balance at least Rp 25,000. But the composition between the two can not just depend on the regulations banknya. So also with the amount of initial deposit and minimum balance required.
Check back provision was a minimum balance in your savings, whether you allow the bank customers withdrawing savings make up the amount under the minimum balance and the fine imposed if the balance reaches a minimum at the bottom? Should choose a savings account that requires a minimum balance is small so you can make a more liberal withdrawal from your savings
Bank savings interest rates given that the funds saved in the savings can be developed, so that customers increasingly diligent saving. Interest savings are usually calculated each month from the end ratarata daily balance for the month. Interest savings can be provided in a single rate. That is, how any amount of money in your savings interest rates remain the same. Can also be graded on. This means that the balance on the number of different, given that interest is not the same. Usually, the more sediment balance of a given interest rate the higher.
As a reciprocal back on services and facilities provided, the Bank put on almost all administrative costs directly to customers the savings deducted from each month. But at this time there is also the Bank does not impose administrative costs on the savings.
Passbook is used as the recording media of your transaction. Savings books usually also have to be taken when doing akan cash at the checkout. There is also a change the bank passbook account with the newspaper delivered to your address every month. In the report written when and for what and how much money go out in your account.
3. Deposit
Is the product of savings deposits in banks and deposit penarikannya can only be done at certain times only. For example, if you put money Rp 1 million deposit on a 3 month period, then the money Rp 1 million are new you can take after 3 months have elapsed. Of course, you also promised delivery of a particular flower that you can enjoy at the time of the deposit due.
Deposit interest rate is usually higher than savings interest. This is because your money will be "locked" for some period of time so that the bank felt it necessary to guarantee the interest rate is higher than the interest rate on savings account is money you can pull at any time. This is usually the main attraction into deposits.
Unlike the savings that can be opened with a small initial deposit. Minimum deposit for the placement of deposits is greater, the amount of each bank varies, but at this time is the most minimum of Rp 500,000.
Benefits from other deposits is not dikenakannya monthly cost of administration, because jarangnya transactions through the bank account deposits. Walupun so there is still the cutting of taxes calculated from the deposit interest rate deposits that you get.
Recognize SIMPANAN PRODUCTS IN BANK
You certainly never deal with the bank. But if I ask whether there are any among you who know what is actually a bank, I do not believe everything can be said. If not, why do you still want to open bank accounts and save money there? Readers need not worry, I already own a savings account at the bank since my high school, though I also do not know themselves what is the bank (when my parents used to work at the bank).
This paper will discuss a bit about what is a bank, and any products sold by banks, especially simpanannya product. The Bank is an institution that is the main business save money and borrow from the public.
For example, if you save money in the bank (eg deposits), you may get the interest rate will be 10 percent per year. In turn, banks will lend money to the community, and those who borrow money should pay interest to the bank is higher than 10 percent. That is the difference between the percentage of the profits into the bank. That is just the advantage unclean, lo. In fact, the benefits obtained from the difference that still must be reduced again to pay the operational costs of the bank, such as staff salaries and office expenses of others.
Often referred to as the Bank intravenously economic activities of a country. In humans for example, the pulse is a "channel" on duty, bringing oxygen-oxygen (which is in the blood) from one body part to another body part. If in humans, causing less blood will be sluggish, then the state, less money will result in a sluggish state economy. This is because money is the blood of the economy. There is no business that will open if there is no money. You would not have if there is no iming-iming money, right?
Therefore, it is not excessive if we know more about the products that are in the bank. Thus we can mendayagunakan products that fit as closely as possible with our needs.
Have said earlier, that the business is the main bank as a money saving and borrowing money. Therefore, banking products can be divided into two: products, savings and loan products. This paper will discuss the first products in the savings bank and how to maximize benefits. Soon we may be able to product a loan.
1. Giro
Giro account is an account that money can be taken every day, in which the account is equipped with the facility of payment check and giro Bilyet. When you deal with others, then you can pay with a check or giro Bilyet. Checks are securities in which the person who gave you this check can be directly menguangkannya in the bank. While the gyro is Bilyet securities in which the people you do not give giro giro can turn it in a bank, but must first disetorkan to account. Then after that the money will be liquid in the account.
Account does not usually give flowers. Even if there is a bank that provides interest rate, the interest rate is usually small and often referred to by the term "giro service." At this time, usually a bank giro service provides a maximum of 1 - 2 percent of the total balance (usually) the lowest which is the provision of at least a month.
Minimum deposit to checking account is different at each bank. But at this time, the smallest amount of deposit is Rp 250,000 (for individual account) and Rp 500,000 (for the company's checking account).
As a reciprocal back on services and facilities provided, then almost all banks charge customers according to the administration of direct gironya deducted from the account each month.
With checking account, each month you will get a newspaper account (such routine reports) sent to your address each month. In the report is written to when and what and how much money go out in your account.
2. Savings
Savings is the product of savings in bank deposit and penarikannya can be done at any time. Almost every person must feel a savings account at the Bank. Not only in one bank, but also in two or three banks at once. So why can? The answer is because at this time savings is not only used as a means of saving money, but also with other facilities that has a bit outside the purpose of saving itself. For example facilities such as debit, ATM facilities, transfers, and so forth.
So if seen, the purpose of saving someone in the bank can be divided into two. First, because you want to really save money to be able to gather a certain amount of funds in the future. For example, such as saving to buy a particular need. Second, just want to make the savings account as a gathering, not to actually save money. For example, such as accounts that the money used to pay for the monthly shopping. Well, here in the form of facilities and ATM Cards Debit Cards new fully used.
An initial deposit is the minimum amount that must be disetorkan as a condition for opening a savings account. Balance is at least a minimum amount that must be disisakan on your savings. An initial deposit and minimum balance on savings is usually the same, for example, if an initial deposit is Rp 25,000 and the balance at least Rp 25,000. But the composition between the two can not just depend on the regulations banknya. So also with the amount of initial deposit and minimum balance required.
Check back provision was a minimum balance in your savings, whether you allow the bank customers withdrawing savings make up the amount under the minimum balance and the fine imposed if the balance reaches a minimum at the bottom? Should choose a savings account that requires a minimum balance is small so you can make a more liberal withdrawal from your savings
Bank savings interest rates given that the funds saved in the savings can be developed, so that customers increasingly diligent saving. Interest savings are usually calculated each month from the end ratarata daily balance for the month. Interest savings can be provided in a single rate. That is, how any amount of money in your savings interest rates remain the same. Can also be graded on. This means that the balance on the number of different, given that interest is not the same. Usually, the more sediment balance of a given interest rate the higher.
As a reciprocal back on services and facilities provided, the Bank put on almost all administrative costs directly to customers the savings deducted from each month. But at this time there is also the Bank does not impose administrative costs on the savings.
Passbook is used as the recording media of your transaction. Savings books usually also have to be taken when doing akan cash at the checkout. There is also a change the bank passbook account with the newspaper delivered to your address every month. In the report written when and for what and how much money go out in your account.
3. Deposit
Is the product of savings deposits in banks and deposit penarikannya can only be done at certain times only. For example, if you put money Rp 1 million deposit on a 3 month period, then the money Rp 1 million are new you can take after 3 months have elapsed. Of course, you also promised delivery of a particular flower that you can enjoy at the time of the deposit due.
Deposit interest rate is usually higher than savings interest. This is because your money will be "locked" for some period of time so that the bank felt it necessary to guarantee the interest rate is higher than the interest rate on savings account is money you can pull at any time. This is usually the main attraction into deposits.
Unlike the savings that can be opened with a small initial deposit. Minimum deposit for the placement of deposits is greater, the amount of each bank varies, but at this time is the most minimum of Rp 500,000.
Benefits from other deposits is not dikenakannya monthly cost of administration, because jarangnya transactions through the bank account deposits. Walupun so there is still the cutting of taxes calculated from the deposit interest rate deposits that you get.
This paper will discuss a bit about what is a bank, and any products sold by banks, especially simpanannya product. The Bank is an institution that is the main business save money and borrow from the public.
For example, if you save money in the bank (eg deposits), you may get the interest rate will be 10 percent per year. In turn, banks will lend money to the community, and those who borrow money should pay interest to the bank is higher than 10 percent. That is the difference between the percentage of the profits into the bank. That is just the advantage unclean, lo. In fact, the benefits obtained from the difference that still must be reduced again to pay the operational costs of the bank, such as staff salaries and office expenses of others.
Often referred to as the Bank intravenously economic activities of a country. In humans for example, the pulse is a "channel" on duty, bringing oxygen-oxygen (which is in the blood) from one body part to another body part. If in humans, causing less blood will be sluggish, then the state, less money will result in a sluggish state economy. This is because money is the blood of the economy. There is no business that will open if there is no money. You would not have if there is no iming-iming money, right?
Therefore, it is not excessive if we know more about the products that are in the bank. Thus we can mendayagunakan products that fit as closely as possible with our needs.
Have said earlier, that the business is the main bank as a money saving and borrowing money. Therefore, banking products can be divided into two: products, savings and loan products. This paper will discuss the first products in the savings bank and how to maximize benefits. Soon we may be able to product a loan.
1. Giro
Giro account is an account that money can be taken every day, in which the account is equipped with the facility of payment check and giro Bilyet. When you deal with others, then you can pay with a check or giro Bilyet. Checks are securities in which the person who gave you this check can be directly menguangkannya in the bank. While the gyro is Bilyet securities in which the people you do not give giro giro can turn it in a bank, but must first disetorkan to account. Then after that the money will be liquid in the account.
Account does not usually give flowers. Even if there is a bank that provides interest rate, the interest rate is usually small and often referred to by the term "giro service." At this time, usually a bank giro service provides a maximum of 1 - 2 percent of the total balance (usually) the lowest which is the provision of at least a month.
Minimum deposit to checking account is different at each bank. But at this time, the smallest amount of deposit is Rp 250,000 (for individual account) and Rp 500,000 (for the company's checking account).
As a reciprocal back on services and facilities provided, then almost all banks charge customers according to the administration of direct gironya deducted from the account each month.
With checking account, each month you will get a newspaper account (such routine reports) sent to your address each month. In the report is written to when and what and how much money go out in your account.
2. Savings
Savings is the product of savings in bank deposit and penarikannya can be done at any time. Almost every person must feel a savings account at the Bank. Not only in one bank, but also in two or three banks at once. So why can? The answer is because at this time savings is not only used as a means of saving money, but also with other facilities that has a bit outside the purpose of saving itself. For example facilities such as debit, ATM facilities, transfers, and so forth.
So if seen, the purpose of saving someone in the bank can be divided into two. First, because you want to really save money to be able to gather a certain amount of funds in the future. For example, such as saving to buy a particular need. Second, just want to make the savings account as a gathering, not to actually save money. For example, such as accounts that the money used to pay for the monthly shopping. Well, here in the form of facilities and ATM Cards Debit Cards new fully used.
An initial deposit is the minimum amount that must be disetorkan as a condition for opening a savings account. Balance is at least a minimum amount that must be disisakan on your savings. An initial deposit and minimum balance on savings is usually the same, for example, if an initial deposit is Rp 25,000 and the balance at least Rp 25,000. But the composition between the two can not just depend on the regulations banknya. So also with the amount of initial deposit and minimum balance required.
Check back provision was a minimum balance in your savings, whether you allow the bank customers withdrawing savings make up the amount under the minimum balance and the fine imposed if the balance reaches a minimum at the bottom? Should choose a savings account that requires a minimum balance is small so you can make a more liberal withdrawal from your savings
Bank savings interest rates given that the funds saved in the savings can be developed, so that customers increasingly diligent saving. Interest savings are usually calculated each month from the end ratarata daily balance for the month. Interest savings can be provided in a single rate. That is, how any amount of money in your savings interest rates remain the same. Can also be graded on. This means that the balance on the number of different, given that interest is not the same. Usually, the more sediment balance of a given interest rate the higher.
As a reciprocal back on services and facilities provided, the Bank put on almost all administrative costs directly to customers the savings deducted from each month. But at this time there is also the Bank does not impose administrative costs on the savings.
Passbook is used as the recording media of your transaction. Savings books usually also have to be taken when doing akan cash at the checkout. There is also a change the bank passbook account with the newspaper delivered to your address every month. In the report written when and for what and how much money go out in your account.
3. Deposit
Is the product of savings deposits in banks and deposit penarikannya can only be done at certain times only. For example, if you put money Rp 1 million deposit on a 3 month period, then the money Rp 1 million are new you can take after 3 months have elapsed. Of course, you also promised delivery of a particular flower that you can enjoy at the time of the deposit due.
Deposit interest rate is usually higher than savings interest. This is because your money will be "locked" for some period of time so that the bank felt it necessary to guarantee the interest rate is higher than the interest rate on savings account is money you can pull at any time. This is usually the main attraction into deposits.
Unlike the savings that can be opened with a small initial deposit. Minimum deposit for the placement of deposits is greater, the amount of each bank varies, but at this time is the most minimum of Rp 500,000.
Benefits from other deposits is not dikenakannya monthly cost of administration, because jarangnya transactions through the bank account deposits. Walupun so there is still the cutting of taxes calculated from the deposit interest rate deposits that you get.
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