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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.

Bad credit is one of the banking sector, both inside and outside the country. Not only experienced by large commercial banks, but also a small bank. The cause, could be from an internal bank, but more by external factors.

The existence of non-performing loans, means that borrowers do not pay or pay off debt / loans according to deadlines and a nominal amount has been agreed. The question is, why customers do not pay their debts? Though there has been agreement in the agreement of both parties.

The cause of all kinds, ranging from the absence or difficulty of funds (cash flow) until there is an intention to not pay. More ironically, when the customer loan application was not submitted or indicate actual performance, and approved by the bank creditors. For example, corporate borrowers actually still suffer losses, but the financial reports submitted conclusively indicate the position has a profit.

For this case, the banking system must have had a tool to detect, whether the financial statements presented have shown the real situation. There are techniques in the analysis of bank lending, to examine and assess the feasibility of granting credit. For example, analysis of 5C (character, capital, capacity, condition of the economy, and collateral).

On the other hand, it turns out the tax could also use the banks as early as possible means to prevent the occurrence of bad credit. So the big losses in the future can be reduced or even eliminated. There are some elements of taxation that can be used to prevent bad loans.

Lately, many banks conduct a working relationship with insurance companies. In fact, many insurance companies try to do a fairly intense cooperation with banks.

We can see the news in the newspaper, when an insurance company signed with a bank to offer its products. The bank offers insurance products from insurance companies. The bank called bancassurance.

That is, bancassurance is derived from two words, namely banks and insurance. Bancassurance not state that all bank products are insured or all of the bank’s products more secure. Currently banking products in general guaranteed Deposit Insurance Corporation, in which to deposit a maximum of Rp 2 billion.

The Bank will offer insurance products to increase fee-base bank. Therefore, the bank set up a separate division to offer this insurance product known as bancassurance division. The existence of this division to make the bank into a business that offers its customers all the desired product.

If customers are not comfortable with the product exceeds the investment bank since the guarantee, the customer can ask for insurance on these products. Offering insurance products offered to customers was originally known special priority customers because they have substantial funds in the bank.

However, because the fee-base received large enough, then this product should be made into a mass product so that there arose such bancassurance division.

For employees of banks, offer these products to make the trust becomes more increase because they can offer more products to customers. The ability of staff have also increased. Increased knowledge will enhance the employee’s career. On the other hand, it also becomes a way of holding consumers to not run to another bank.

Why do insurance companies use the bank to market its insurance products? In fact, so far insurance companies have marketers are quite reliable, even they are generally “faced the wall” to offer its products to be received by the public.

Insurance companies feel more secure and efficient when using the bank’s marketing. Consumers who come to the bank are already literate regarding investment products and insurance.

Insurance companies also do not need to prepare the office to the insurance sales agent who owned the bank because banks generally have a branch. Insurance companies make the bank as an extension of the distribution (distribution channel) to offer its products.

The insurance company only to educate the agents who worked at the bank to sell its products. The existence of insurance products at the bank make insurance companies more credible because the funds received directly get into the insurance company’s account at the bank. Sales of insurance products through banks would be more appropriate because it is already using the appropriate technology, since the bank always uses technology to offer the product.

The question arises, what insurance products offered by banks to their customers? Insurance products can be classified into life insurance products and insurance products non life. The non lif insurance products such as home fire insurance, mortgage insurance, insurance loss of goods, mainly for cars, and so forth. As for life insurance products like life insurance and term life insurance. All these products are interested in people who have foresight.

Consumers will be asked, why should you buy from the bank’s bancassurance products, and why not directly to the insurance company? Consumers will get the ease and efficiency when buying from the bank. For example, if consumers already have plans to buy life insurance products and to ask the marketing or agent at the bank. The bank will help consumers to calculate all the needs and direct bank transfer in question.

The time it takes consumers would be less because they do not need to and fro to get the forms and transfer the funds to pay insurance premiums. In fact, consumers can save the certificate in the bank concerned in the safety box.

Based on information obtained from various actors bancassurance, has been increased interest in bidding.

Total sales of premium by the insurance agents compared to those sold through the bank was almost the same. Previously, sales through sales agents who are known to dominate conventional enough. Thus, there has been a shift in sales of insurance products.

Consumers do not need to hesitate to ask the bank marketers to get the bancassurance. Hopefully, these measures can facilitate and assist consumers.