Your Business Solution

Archive for September, 2010

For banking and other financial services, customers will be applying for loans must meet 5C, namely:

1. Character, commitment and track record concerning you.
2. Capital, how much personal money you spend to develop the business, pemodalan structure (how the amount of initial paid-up capital and accumulated profits into capital), the composition of capital ownership (anyone capital owners, who guarantee investors, and whether investors also became management company), and capital assets, which consist of tangible assets (land, buildings, machinery, stock, etc..) and intangible assets (brand, goodwill, good name, etc..).
3. Capacity, which was considered among others: how the sales trends (increase, decrease, or stagnation), cost structure (fixed cost, variable cost), comparison of costs and revenue, accounts payable and receivable (larger, smaller, or the equivalent), projection cash flows (surplus or deficit), labor (permanent or contract, how the skills and experience), up to production capacity (amount of production per day, whether in accordance with the sale).
4. Condition. Covers licensing, industry conditions similar (small, medium, or high risk), business prospects, the competitive situation (whether a market leader, market follower, niche market, or a single fighter), and this above all: what unique selling point or (is easily imitated, or difficult to imitate, and until when progress).
5. Collateral. Is there a guarantee of quick loan or business loan tsb, both tangible (cash, stock, equipment, vehicles, and that nature does not move, such as land and buildings), intangible (personal guarantee, company guarantee, credit insurance, associations / cooperatives guarantor , etc..).

In order for your business development proposal to attract banks, make as detailed and realistic as possible. Prepare materials in a brief but comprehensive presentation, with bullet points such as: Description of business development goals, targets and asset sales increase expected in detail, the factors required for the achievement of targets, strengths, weaknesses, and opportunities that will arise in business development , the schedule and target completion time of work plan, an explanation the parties related to the development effort, plans to use the credit facility, and repayment schedules, other terms you need to meet before applying for credit in the business loan you can get from the bank concerned.

Conscious or not, the contract is all around us. In exchange for leasing a house, we signed a contract, buy vehicles on credit, we signed the contract, to start work at a company we also have to sign any contract. All the previous example is a business transaction.

Contracts made by businesses to obtain legal certainty. In this contract mentioned what the conditions, and the rights and obligations relating to their business. HukuCermam contract is part of private law for breach of the obligations specified in the contract, purely a matter the parties to the contract.

The contents of the contract in addition to loading the languages of law and business, is also very technical and specific, which is generally very difficult to understand. Let alone the layman, the company also sometimes lack an understanding of the contents of the contract.

The contract is defined as an act committed by two or more parties, whereby each party is didalannya required to do one or more achievements. In a sense this is a contract agreement. However, the contract is in the form of a written agreement.

In writing the script of the contract required flair in capturing various parties desire, jmemahami legal aspects, and contract language. Writing a contract needs to use language that is good and right by holding on rules of grammar apply. In the use of language, both the local language or foreign language should be precise, concise, clear and systematic.

In order not to suffer losses if there is a dispute, before making the contract was to do the following things to overcome losses due to disputes (disputes) in the business object in the contract:

1. Analyze the potential for cost-benefit and economic analysis of object agreement. This needs to be discussed by the team, or if necessary with the attorney / legal consultant business.

2. Make a map of business processes to the object of the agreement in the contract in detail.

3. Based on the mapping of the above, make the analysis on each element of whether there is potential for disputes. If there is, enter into the list of potential dispute.

When all elements have been completed and analyzed all potential disputes are included in the list of disputes, then do the analysis by other teams. The aim is a verification and a second-opinion.

If all potential disputes have been the final and agreed upon, create alternatives to anticipate such dispute. There are alternatives that can vary, from avoiding the occurrence of disputes up to face the opponent and avoid potential losses. Thus, a business contract that is written correctly and carefully analyzed would provide legal certainty for you and be profitable.

Oracle announced the launch of Oracle Business Intelligence 11g, a package of business intelligence products that claimed the most complete, integrated and flexible. This product also promised to provide to its users, the ability to achieve better business.

Business Intelligence Products new version is also claimed to improve performance, flexibility and security through integration with Oracle Enterprise Manager 11g, as well as the components of Oracle products, Oracle Fusion Middleware.

Oracle Business Intelligence 11g is also the first solution that unifies Relational OLAP (R-OLAP), multidimensional OLAP (M-OLAP) and business reporting in a standard technology base.

This brand-new solution also planted a new application, namely Oracle Balanced Scorecard and Strategy Management, an integrated component of Oracle Business Intelligence 11g that helps its users to achieve organizational goals.

This new version of the product has a user interface has been improved, including a map visualization options that connect directly with spatial data. This, can provide a more intuitive user experience.

Oracle 11g Business Intelligence provides business intelligence analysis capabilities, ranging from business reporting, scorecard, instrument panel, instant searches, OLAP analysis and collaboration that can be followed up on a foundation of integrated technologies

There are 2 ways to realize a new business:
1. Early start a business

Most entrepreneurs want to have a business and decide it all himself. They can determine the product, how the management, who can be a supplier of business and others. The problem is on the risk of failure, because failure risk factor is greater than buying a franchise of the famous brands that already have names.

2. Buying an existing business

Buying a business in question is to buy a business license to ride the famous brands or so-called franchise. Franchises are usually already known, and with the purchase we can sell the products offered by franchises. Like the shopping system of instant business. Franchise system has a drawback, namely a businessman / entrepreneur does not have freedom in determining the products and management style as desired. But it has its own advantages, such as with the already popular franchise name and existing business systems, without any hassle we arrange the rather complex management business.

Creditor or creditors as well as business consultants, usually will recommend a new entrepreneur to choose how to start a business by buying a franchise, because in order to avoid or minimize business failure dilangkah early.
Many are asking, what kind of business would I tekuni and do I have experience in these? Lest I am wrong then choose the type of business because of limited or no experience at all entrepreneurial.

Actually should not need too worry. Worry is okay, but it served an important and good preparation. No need to fear choosing the right type of business, because it is only a small factor for success. As for example; business pulse counter hp. There have been many people who opened the counter pulse, either at home or digedung like Mall, Plaza and in the housing. Finally, many people are reluctant to open a business counter pulse. Actually, if we can choose the right location and good management, it is still someone who is successful in the field.

There are tips to determine what type of business:
1. Starting from the one you like

Try searching for your hobby or area of what is most preferred. With love, you will not get bored quickly, and not easy to surrender to face the difficulties of the days early in the run the business.

2. Starting from that you have mastered

If you master a particular field, can be used as the basis to start a business in a very controlled. Although inexperienced berwira business. Each person must have expertise that can be utilized. Such as mastering the field of Computer. You can berwira business in computers, such as creating a computer program porgram-business applications, services, computer services, computer assembling, graphic design and lmasih many others.

3. Search where your money goes around

Another option to find out where trends or track where your money goes so far. Take a look at this as long as you spend money on anything and anywhere. Then you will see where the money spinning. From the purchase of books, copies, meals rental houses, cars, transportation dll.Teliti one by one your money flows. Maybe there is a gap that you can enjoy the benefits of your cash flow.