DO: what must be known, drawn up, owned and done
1. The business have ran and beneficial
What is the importance? , bank have to know the condition of past performance of your business. In few words, bank need proven that your business run capable to live and stay, have the good market, and can produce earning. Including in it, is your ability in manage the business.
In general, bank needs confidence that you can run the business minimum 2 - 3 years, and have yielded the positive profit at least at the last period. It is absolute, because only business proven profitable which assessed will be able to manage the credit and ascertain the return.
2. Legality aspect is fulfilled
Aspect legality business is confession of third party to your business. this Confession also means the assurance of law to the business existence, existence of permission from society, so not potency to make conflict, and also have fulfilled obligation as good " citizen", for example the payment of tax.
Minimum licensing to be owned is Main Number of Tax Obligation (Nomor Pokok Wajib Pajak /NPWP), License Business Letter of Company (Surat Ijin Usaha Perusahaan/ SIUP) and License Company Register (Tanda Daftar Perusahaan /TDP). Any form of your business – private or legal committee – minimal have to have this legal license . Special for industrial, manufacturing and some other business patterns need acquisition of legal license, like Environment Permit ( Ijin Lingkungan /HO). other Legal license correspond to business type you manage.
Indonesia Bank obliges the bank to report activity of credit giving debtor per debtor. One of the entry point use is, coalescence of NPWP, in this time gone into credit to the above of Rp 50 million. For credit under Rp 50 million, enough pick aback by statement letter of (Domicile) business from local government.
Continue to : 20 precise steps penetrate the debt in bank 3
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