Real Sector Consutant & MSMEs

Graduate opportunities to Entrepreneur

Graduate opportunities to Entrepreneur (IN INDONESIAN)

For my brothers and sisters of the scholar who had just graduated (freeze graduate) or have completed college a vew year. The following interesting information which can be utilized.Graduate programs which become entrepreneurs. Kemenkop train new scholars, to study the proposal / proposal efforts, and provide venture capital loans. Who Dare?? so Employers

State Ministry of Cooperatives and Small and Medium Enterprises (Kemennegkop and SMEs) to provide guidance to the I 500 graduates (undergraduate). This is related to the implementation of new entrepreneurial empowerment programs as well as to overcome the status of 75,000 unemployed graduates (undergraduate).

After the training and development programs of this government, scholars are expected to brave attempt to make a proposal submitted to. Kemennegkop and SMEs so they can get assistance revolving fund loan

Thus expressed the State Minister of Cooperatives and SMEs Syarifuddin Hassan in Jakarta, Tuesday (8 / 12), after opening worskhop of Development Cooperation and the Role of Business in the empowerment of SMEs through CSR programs / mi PKBL event followed a number of state owned enterprises (SOEs), private companies, consultants SMEs, institutions modes) venture, and the cooperative movement.

Syarifuddin Hasan said, for the first generation, will be fostered with 1,500 graduates who will be held on Thursday, December 10, 2009, or at the closing ceremony coincides Expo Cooperative and SME financing. Training and coaching for graduates is much easier than for high school graduates.

“The graduates have learned a lesson about management. So, we’ll easily find a manager who can resolve the issue or fight the crisis of leadership positions in a cooperative or other business units, however, we also continue to provide guidance or provide training for high school graduates. We will provide training for 1500 graduates than 75,000 who have been unemployed. The goal that they can become entrepreneurs and help us give credit, “said Syarifuddin.

Furthermore, the amount of credit assistance provided depends on the proposal or type of business that will develop the graduates. In this case, selectivity must also be borne strictly.

“These programs come first and the first generation. However, it will continue to be sustainable. In the long term, will also be provided for high school graduates which is expected within a year there are 100,000 college graduates could be fostered. Shareholding this credit will be deducted from the budget Kemennegkop and SMEs, apart from the banks. Moreover, the banks also support this program, “he said.

On the other hand, Syarifuddin said SMEs have Kemennegkop and coordinate with relevant ministers and the banks that could be S1/S2 degree credit in the banking grace. “If banks can provide loans through the KUR, we (government) credit through revolving funds,” he said.

Source: Suara Karya dan Kemenkop & UKM

Wassalam

Education jargon “3 P” Banks & SMEs

Education jargon “3 P” Banks & SMEs
Ensure benefits, Understand the risk, Consider Costs

In Indonesian : Jargon Edukasi “3 P” Bank & UMKM Pastikan Manfaatnya, Pahami Risikonya, Perhatikan Biayanya

Bank Indonesia and the National Bank on Wednesday, October 14, 2009, in Jakarta, the official launch of Banking Education Jargon “3P” (Make sure the benefits, risks Understand, Look at Cost) and watched the signing of the Commitment to Product Launch “savings” by 22 members of the Working Group of Banking Bank. Launch jargon “3P” and product “savings” is a continuation of banking education programs under the theme “Let’s go to the Bank”.

“Educational jargon” 3P “is needed in educating the public and the perpetrators of SMEs in order to understand the benefits, risks, costs and the rights and obligation in the use of banking products, such as savings products and credit products / loans. By understanding the jargon of the community and offenders 3P MSME MSME expected more professional actors and proportional capitalize the bank products and services.

Community and actors should welcome the SME banking industry’s commitment to publish new product cost savings without administrative costs, the “savings”. The more variety of products and services offered by banks to customers needs to be balanced with an adequate understanding by the customer about the characteristics of products and services it. Through savings products, is expected to more SME players who have savings in the bank. By becoming a bank customer and menanbung diligent, more SME players can manage their business and financial transactions may make the bank as a business partner, especially in dealing with capital needs of SME businesses.

Banks should give a balanced explanation to customers about the benefits, costs and risks inherent in a product or service offered by banks, so as to avoid asymmetric information between borrowers and banks.

Commitment to launch a banking product “savings”, this is expected to be able to answer complaints that had been hoped that the savings are not burdened with administrative costs. With the presence of products “savings” expected to increase “savings rate”, as well as a positive step for SMEs masyrakat and actors in the use of banking products more.

For Father / Mother / Brother actors are SMEs everywhere, please come to the nearest bank, to obtain information and take advantage of savings programs. I hope to become customers of the bank, opened the next step to establish strategic partnerships between SMEs and Bank.
Ensure benefits, Understand the risk, Consider Costs

Go MSME Indonesia.

Source: Bank Indonesia

SOCIALIZATION OF SHARIA BANK

SOCIALIZATION OF SHARIA BANK

(In Indonesian Language : Sosialisasi Bank Syariah)

Assalamua’laikum wr wb

Until now Islamic banks have a lot of us encounter in everyday life. In Indonesia there are some banks that are purely Islamic, beerdiri own means, not the parent unit of the conventional banks. Call it Muamalat Indonesia, Bank Syariah Mandiri, Bank Syariah Mega Indonesia and others. While the form of Sharia Business Unit is in almost all banks, both government banks and private banks. Foreign Islamic banks also have a lot of us met in Indonesia.

The existence of these Islamic banks need to be utilized by the perpetrators of Indonesian SMEs. To learn more about Islamic banks, we submit the following socialization Islamic banks. Hopefully useful.

PRINCIPLES OF SHARIA BANKING PRODUCT and benefits

Islamic Banking Principles

• Principle of Justice:
o Rewards for results based on fixed profit margin on the agreement between the Bank and borrowers.
• Principles of Partnership:
o Customer depository of funds, users of funds and the Bank have the right, obligation, the burden of risks and benefits balanced.
• The principle of universality:
o Ignorance of the issue of ethnicity, religion, race and class
• Transparency Principle:
o The principles of openness between the bank and the customer in determining margin or profit-sharing.

BASIS
Then we make for you a shari’ah, then follow the Shariah, Do not follow the vain desires of people who do not understand the Shariah (Surat al-Jatsiyah: 18)

Understanding Islamic Banking
• Islamic Bank is a commercial bank conducting business based on sharia principles
• Collecting funds from the public in the form of savings & distribute to the public in the form of financing (credit) and or other forms
• Providing services in payment traffic.

Operating limits
Business sectors which are prohibited to be funded Islamic banks are all types of industries that contain elements Maghrib:

• Maisyir / gambling
• gharar / uncertainty or guile
• Sacred
• Riba

Differences Islamic Banking and Conventional Banking

Bank Syariah
Investing only in a lawful business sector
Principles for the outcome, sale and purchase or lease
Profile & Falah Oriented (happiness of the world & the Hereafter)
Partnership
There’s Sharia Supervisory Board

Sharing VS Flowers

SYSTEM FOR RESULTS
It’s possible profit / loss
Based on the ratio for the outcome of sales / income customers
Change depending on business performance

SYSTEM INTEREST
The assumption is always lucky
Based on the money (principal) loan
The amount of fixed

Objectives and Responsibilities of Bank Syariah

Purpose
Role to promote, maintain and develop economic activities for the prosperity of the Islamic sharia berasaskan.

Liabilities
Sharia Bank is obligated to support the establishment of investment activities and other businesses that are not forbidden in Islam, with reference to its financial objectives (growth and profit).

SHARIA BANK PRODUCT CHARACTERISTICS
• Risks for Lower Results Than Flowers
• Profit Sharing Element Costs But Not Profit Portion distributed
• Financing Scheme Flower dismissed Fluctuations Risk
• Corresponding with Sturuktur Products Business, Transaction Type and Scale of Business

Thus a brief information about the Islamic bank, which would be the next article will be discussed more fully, Insha Allah.

Translate by google

MORNING RADIO SHOW JJFM 105.10 SURABAYA

MORNING RADIO SHOW JJFM 105.10 SURABAYA

SME MANAGEMENT TO CURRENT ASSETS

(Indonesian Language :Agar Manajemen UKM Berjalan Lancar)

Businessman, regardless of factors hockey, was built a small-medium businesses, is not easy as imagined. Starting from preparing the budget, promote to make mentaince to a business carried on rising.

The financial statements are still traditional sometimes a stumbling block. Quick satisfied with the achieved targets, sometimes causing entrepreneurs to think hard to not to innovate. Not a good relationship with the Bank, making the most of consumer demand rather cheaply, could be a boomerang. Cheap pricing on products sold, often even with small and medium entrepreneurs could go bankrupt if they do not know the tricks and the right tipsnya.

What is needed for SME management run smoothly?
This morning I’ve connected with:
Ir. DEDDY EDWARD, MBA, MM
Real Sector Consultants & SMEs

QUESTION:

1. To start a small business medium, such as what management needs to be prepared?

Before you start a business which needs a business plan will be executed. In the business plan are the results of market studies, production plans, cost estimates (for working capital and capital investment), the source of the cost (own funds, or credit), and labor.

Management must be prepared by the SMEs is to record every financial transaction in detail. Production records, sales records, purchase records of raw materials and other records. Note the very necessary and will be useful for SMEs. From the results can be seen record business growth, the velocity of money, so it can be used to further business activities.

2. If it has already from the beginning, for example, with financial statements that are traditionally not computerize, or do not have to involve banks in funding, improvements such as what to do?

Ideally it computer generated reports, but if there is no computer, manually recording can still be done. Importantly, the recording done in the discipline, for all business operations. A report compiled manually can help SMEs to control their business.

The financial statements should be prepared periodically. There are two types of financial reports essentials created by SMEs. First up Profit / Loss on a monthly basis. Second, develop balance. Profit and Loss is simple, total sales in one month minus the cost of goods sold to gross profits, and reduced costs to net profit (before interest and taxes, if any).

While the balance is the ratio between the property (left side) with debt and capital (right side). The left side of the property consists of property smoothly either: cash, savings, goods inventory, receivables, on the other, plus the value of fixed assets sepert: land, houses, machinery, vehicles and others. Balance of the right side is the amount of debt and equity. Number of the left side (assets) with the number of right side (debt, equity) must be the same amount.

Not to involve the bank in the funds, it’s okay, as long as the funds themselves are still pretty. But if the business is growing, should take advantage of bank funding. For that we need to establish a bank kemunikasi, early stage, be a bank customer. Keep the results of financial transactions in the bank. After that, contact the credit department at the bank, ask their existing credit schemes, tell your business development. Ask the credit scheme brochure, learn, understand when it asked for and fill out a credit application, a business development plan attached plus attachments requested by the bank. All files that have been submitted to the bank full. The bank will check the file perrmohonan, wait news, go and ask the application development.

3. How to determine pricing strategies, because most consumers wanted to get a cheaper price but a good product?

Perpetrators of SMEs must be able to calculate the cost of production, starting from raw material prices, production costs and marketing costs. Of the total cost can be determined sale price, plus such profit margins ranging from 10% s / d 30% (depending on the type of business). To obtain a competitive price, of course, must be able to get the price of cheap raw materials and cost efficient.

4. What factors are actually the cause of the failure of SMEs?

There are several, among others, as not used to compile financial reports. Whereas the financial statements, SMEs can evaluate its business development, business profit ngak this? Or even a loss, can be quickly found out from the analysis of financial statements. Begin to take advantage of existing resources. For example, involve children or brothers who were school or college to prepare financial statements. Or assign one employee to the financial records and prepare financial reports. SMEs that have good financial statements, usually easier bemitra with banks to get capital.

Another factor is that SMEs lack recognize customers. Consumers must learn to recognize Know Yours aka Customer (KIWAISI) konsumenmu recognized. With familiar with consumers, SMEs can find out what the consumer wants, so it can customize products that match consumers. With a good KYC, should be able to increase sales.

5. There’s the closing message to the businessman in Surabaya on our topic this morning?

SMEs should begin to improve system of financial records more neat and orderly. Try to compile periodic financial reports, such as income statements and balance sheets.
Then try to establish a good business partnership with a bank financial institutions (the customer) and a fellow of the industry, or start a partnership with the medium when the business is still small scale, or partnering with large businesses when the scale is the middle class. Partnership will help in market expansion.

Start watching consumers, closer to the consumers, listen to what their complaints and desires. Remember the slogan “the customer is king” king’s usually a lot of wealth and duitnya, ngak what important product sold.

Thus our brief answers, compiled again, there may be additional comparison with the morning show on Radio JJFM Surabaya. For Father Mother brother who wants to deepen the above material, try to read read the article I have previously compiled in this weblog MSMEs. So, thank you.

Microbes Google “Soil Microbial Bidder Nonarable” Indonesia

Microbes Google “Soil Microbial bidder nonarable” Indonesia. Benefits to Indonesia in particular MSMEs actors engaged in Agriculture.

In Indonesian Language :
Mikroba Google “Mikroba Penawar Tanah Tandus” Indonesia.

Bandar Lampung. Tuesday, November 2, 2009. ALI Tersebutlah ZUM MASHAR a doctoral candidate (S3) IPB Bogor, finding microbes barren Indonesia bidder. Ali ZM dubbed Google Microbes terms, because the way it works seandal find the site in terms of finding genes of potential genes that are still hidden in the ground.

We should be above findings ALI besyukur ZM with diligence since 1996 conducting research to date has managed to patent their discoveries with BIOP2000Z name. Hopefully its findings could someday benefit the people and the Indonesian people, especially to improve soil fertility and agricultural production of Indonesia.

Some positive notes ZM ALI findings among others:
• Memperbaikai soil fertility. Pilot to land the former gold mine in Central Kalimantan Karangpangi. The land fertile again within 3 years. This very brief said. Whereas it took 30 years to restore soil fertility former quarry.
• In sandy soil, only takes 3 to 4 months to restore soil fertility. The number of microbes that are used as much as 8 liters per hectare.
• test on garden land to soybean and wheat production increased from 2 tons to 7 tons per hectare.

Hope for Self-Sufficient Food Indonesia.
Calculate the current population of Indonesia has gone through the 200 million people. Calculate how much food should be available in the country. Now place the gap between domestic food production with food needs. Occurs supllai and demand imbalances. Food imports continue to increase from time to time. This condition is a threat and an opportunity for us. We need to increase domestic food production. Will BIOP2000Z microbes can provide benefit. I think we need to optimize your sons and daughters of Indonesia findings, particularly findings of microbial purification of this barren land. Land in Indonesia have in suburkan. Indonesian food production should be increased.

Expectations for Agricultural Sector MSME Indonesia
Most of the perpetrators of MSME Indonesia is engaged in the agricultural sector. Call it food crop farmers and horticulture. Farmers rice, corn, soybean, wheat, cassava, banana, sugarcane, vegetables and fruits are numerous. Similarly, fish farmers, fish farmers, fishermen farming, the fishermen who produce fish food products. MSMEs actors engaged in the farm sector. Cattle, buffalo, horses, goats, sheep. Poultry farmers, chicken, duck, quail, etc.. Or those in the plantations, smallholders, rubber plantations, oil palm plantation, palm plantation, till the garden in the yard beside the house. All need our attention. In their hands we are hung up for food production. Production of animal and vegetable products.

Father / Mother / Brother, the Indonesian Agricultural Sector MSME. Let us use these findings to improve the fertility of agricultural land, increase production, increase incomes. Until finally able to promote Indonesia’s Agricultural Sector MSME.

Thank ALI ZUM MASHAR, may you give science a charity sholeh and beneficial to the people and nation of Indonesia.

Complete information source and can be accessed at the Media Indonesia daily.

Wassalam

Deddy Edward Cape
Real Sector Consultants & SMEs Indonesia.

Welcome New Mr. Minister Indonesia

Welcome Mr. Minister Indonesia

Indonesian Language : Selamat Datang Pak Menteri Baru Indonesia

Welcome pack of ministers in the real world, away from the world of high politics in the air. Release time for the party attributes, and all kinds of interests. Now you located dipundak promote responsibility and the Real Sector Indonesian SMEs.

Remember! currently there are 50 million more microfinance providers, who daily sweat, elbow grease to fill the real life of the household and the pot of rice. Now it’s time to roll up his sleeves, work promoting MSME business Indonesia.

Throw yourself down to the field, see the real conditions in the field. How many barriers in front of the noses of the Indonesian SMEs: the difficulty of capital, price certainty, the closed market access, safety away from the distractions kamtib, fought with the illegal import of goods, and various other obstacles.

The MSME Indonesia, whether a living as farmers, fishermen, sailors, planters, farmers, fish farmers, processors, home industries, asongan traders, street vendors, traders in traditional markets, ……….. . deeeemikian lot of them, deeeeemikian many challenges that block progress.

Do not be afraid to follow the example of our neighbor country, how to promote agricultural thailand, vietnam, malaysia. There should be a favor to the people dependent small businesses.

Immediately mobilize resources existing bureaucracy at headquarters, regional offices, will they focus on promoting employment and the real sector MSME Indonesia.

Once again congratulations Mr. Minister. Is it the minister of agriculture: suswono bung, minister of maritime affairs & fisheries: bung Fadel Muhammad, minister of forestry: zufkifli bung hasan, minister ukm & co: bung Syarifuddin hasan, minister of trade: marie ya ep, finance minister: mbak Sri Mulyani and bung & ya other ministers.

Now it’s time shoulder to shoulder, sleeves singsingkan both the real sector and MSME Indonesia. Merdeka

Indonesian Language : Selamat Datang Pak Menteri Baru Indonesia

KEY TO SUCCESS OF OBTAINING CAPITAL BANK

KEY TO SUCCESS OF OBTAINING CAPITAL BANK

In Indonesian : KUNCI SUKSES MEMPEROLEH MODAL BANK

Make your efforts and Bankable Feasible to be partnering with the Bank.

Bandar Lampung. Monday, 2 November 2009. Caregivers often receive questions from the perpetrators of MSMEs.
• How hard can the capital of the Bank?
• Bank koq not trust me huh?
• Why hard contact with the Bank?
• Bank seems to us the perpetrators menganaktirikan MSME!?
• Banks asking for too much and difficult conditions to be fulfilled!?
• If I aided and accompanied by the Consultant, if there is no guarantee can be funds from the Bank?!
• What should I prepare to get capital from the bank?

And many other questions. I think that essentially, what the key to obtain capital from the Bank. To answer the question - the question above. Key Success gained the confidence and capital from Banks and Financial Institutions Non Bank Financial Institutions, is “Make yourselves and Bankable Feasible”.

What is Feasible?

Feasible, is the abbreviation of WORTH. Thus an attempt is feasible, means business DISUAHAKAN DESERVE. To reach the conclusion that a feasible business, first performed tetntunya a thorough analysis, systematic and menyeeluruh to factors or aspects that could affect the chances of success (like) the implementation of that idea will be implemented or business to be run.

From the above explanation, WORTH A Business can be analyzed from factors / aspects as follows:
a. Law, not against the rules and norms.
b. Technical, can be implemented well and smoothly.
c. Market, can be sold and have a clear consumer (there is market demand
d. Socio-economic, benefits to society.
e. Financial, generate positive cash flow that could cover the obligations and benefits.
f. Management, can be managed properly.

The perpetrators must be convinced MSME from factors / aspects of the above, all worth the effort. It was certainly illustrated by the description in the form of a written description. The perpetrators must be written on a sheet of paper. This needs to be done, because the perpetrators must be convinced first of its business (new business or existing business), prior to convince the other parties, such as the potential investors. The investors, in this case the bank. Will ask the principals applying MSMEs. “Is this business is worth?”. “Can my mother / father / brother explained to us (the bank), that the business is worth?” The first bank to ask, then they will learn., That the business is really worth (feasible).

What Is Bankable.

The second is the key to success, make efforts Mom / Dad / Brother Bankable. Bankable is a common term in the field of banking. Bankable banks eligible means. At the time we apply for a loan from a bank, or the application of sharia bank financing. Bank will deliver the requirements to be fulfilled by the Customer Candidate.
In general A Bankable Business said, if the business can meet the criteria required by banks. Meet the Business or the Bank requirements. The bank, in analyzing the incoming request to do with the method 5C + 3R. What’s that 5C 3R. 5C stands for Character, Collateral, Capital, Capacity, Condition. While 3R stands for Return, and Risk repayment. Guidelines 5C3R is held by the Bank and other Financial Institutions as the application of the precautionary principle (Prudent) before approving a credit application or financing from prospective customers.

Success has not, Alias Request Denied.
If the petition is filed was not successful, or rejected by the banks, are common. Do not panic. That extraordinary, if the MOM application / Dad / Brother directly approved by the Bank. Perform analysis of the factors re feasible and bankable it. Perform a friendly active communication with potential partners in the bank. Try to listen to their analysis of the petition filed. Mr / Mrs / You must not listen and learn from the Bank.

Some possibility of rejection of credit / financing are as follows:

Internal (Bank)
• Outside Target Market (Mapping)
• (Product Profile, Customer Profile).
• Failed In Pembina Credit Proposal.
• Sign Sector Negative List.

External (Debtor)
• Less Than Nominal Guarantee Credit.
• Security Self But Others Property.
• Information About Negative Debtor.
• Submission of No Sympathetic.
• Start Sector Including Hospital at the bank
• (traumatic)
• Presentation Proposal Too Muluk And Sophisticated.
• Bad Bank Investigation Results
• Candidate Self Closing Somewhat Debtor

Thus our description of the Key Success Getting Capital from the Bank. Please write comments or send questions to the caregiver, via email, phone, IM chat, google talk. Hopefully

Importance of Developing Business Plan

Importance of Developing Business Plan

October 28, 2009. The Youth - Indonesian girls. Want to start business, craft business plan first.

In Indonesian Language

Many people who want to start a business, but do not know where to begin. This is experienced by young people who have time to go into society, would not want to have income. Moreover, the new family, of course must have an income, to feed children and wife. As for getting a job as an employee (at the factory, in malls, in offices and other places) is not an easy thing. Besides the many requirements must also compete with other job seekers. Instead of unemployed, because “no employment”, he said.

This condition also occurs in the ex-students, or my sisters, my children newly graduated from college. Want to start a business, but how. The reason is usually the classic “Have No Capital, aka Dana!”. And capital (fund) is not the another major problem to start a business. The main capital required is: “Do you have Own Business Plan?”.

Illustration above not only experienced by the youth, women, former students, new graduates (fresh graduate). But also experienced by fathers who are working poor, but want to have cross-business, because the daily needs for living expenses and rising education costs soaring

The same thing happens to fathers, who will retire soon or late in MPP (retired preparatory period), rather puzzled what businesses want? In fact, there is offered an early retirement severance pay in exchange for a very large (particularly those working in SOEs) , but was afraid to take a chance, though it will receive substantial funds, which theoretically is sufficient to start a new venture capital. Scared!?

Keyword from all the illustrations above is “Sort of Business Plan”

What is a Business Plan? Creature What is That?

Business plan outlining what will be done by a business, how and when businesses will be established .. business plan is the most important documents to start, build and make the business successful. The plan is an effective tool to obtain the necessary capital to establish and / or run a business. Many businesses are successful because of prior planning and preparation of a business. Would you believe?

Tips Develop Business Plan.

There are several steps we have to do to generate a business plan. There are 4 (four) stages that need to be done. Stage One: Looking for Business Ideas., Stage Two: Finding Business Information, Stage Three: Start Your Business, Step Four: Follow Up & Business Development.

Stage for the business idea is a very crucial stage in the business plan. In broad outline the business idea stage for selecting preceded by so many business ideas that come and want to be. Here you have to do bulk of ideas, brainstorming or brain storming of ideas as much about yourself, with family, with friends, and various other parties with whom the discussion. There can be dozens or even hundreds, leave it. Siapa Takut!? Who’s Afraid!?

The next step ‘Selecting Business Idea’. With so many business ideas are collected, according to an analysis of your personal skills. It means practical skills that are owned, business management skills, knowledge of business types, compatibility with motivation, related to risk taking business. Of the many the idea is now living 5 to 10 business ideas.

The idea that business should be strengthened by efforts to get help, attend business training, observing a successful businessman, studied business document type. The results are now 3 to 5 business ideas.

The next step is to analyze strengths, weaknesses, opportunities and threats, or known as a SWOT analysis (Strength, Weakness, Opportunities, Threat). Finally, one of the best ideas. It is a business idea that the decision will set His business plan.

What do you think? Interested entrepreneur?  Wassalam Hopefully useful. Wassalam

In Indonesian Language

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