20 precise steps penetrate the debt in bank 4

6. Return plan
By definitive plan and the development projection to be obtained, hence you also have to show to bank concerning plan and ability in the case returning the credit. For example, with progress improvement omzet equal to 40% in one period business after you get the credit. With clean profit the improvement effect of increasing omzet, when do you’d start to pay the main installment, or even do the return at the same time?
Or, there is any possibility you can turn around the result of business to yield the improvement gambol omzet more than 40%, so according to you competent credit can be lengthened? So, you have to have clearly view like that.

7. Job description and forming of cadres
One of matter that able to guarantee the continuing business in future is clarity of duty between organizer of business, you as business owner or employees. There shall no depend to one personnel, which even can discontinue the way wheel of business when the personnel not exist. Clearly, business has to continue to walk though - for example- the owner is pain. Don't one man show.
In context like that, forming of cadres is also needed. You have to assure the bank, that when happened something with you, hence your business have the router do not fail to speak.

8. Prepare sharing fund self
In giving mechanism of credit, bank is not allowed fulfill all requirement of the credit ( 100%). For example, for the investment of factory in new location for the price of Rp 1 billion. In mean gyration rule of bank in Indonesia, you have to have the capital self equal to 35%, or around Rp 350 million.
Also for working capital. You have to have share capital equal to 30%. But, special for working capital, share this can be in the form of the circulating assets ( supply or receivable), capital of company, retained earning accumulation, etcetera.
Besides, to show self ability, Sharing Fund Self (Sharing Dana Sendiri /SDS) needed to show you seriously in trying, at the same time to create moral commitment between bank and debtors. Mean, both parties of course will not ready to cooperate if the business runs unable to return capital which has been give by each party.

9. Provide enough acquisition guarantees
As a form of other return credit, hence you have to provide additional guarantee, including fixed asset (land, building, and vehicle) and current asset (invoice, supply, cash, marketable securities) as second way out.
The main guarantee (first way out) actually is the defrayed business. Mean, the business result to be obtained that should be able to close the credit. Additional guarantee will only be used if your business result cannot be expected again.
How much is sufficiency value additional guarantee? Usually bank require sufficiency of value sell quickly ( assess the liquidation) guarantee equal to more or less 120% from totalizing of the credit.

Continue to : 20 precise steps penetrate the debt in bank 5

where to find the best types of auto accessories shopping