Paul Chaney Business

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If you are reluctant to queue at the cash cars floating around to exchange the new money, try to come to your house to the nearest bank.

Head of Public Relations Bureau BI, Difi A Johansyah, in Jakarta, Thursday, August 12, 2010 explains the BI launch a pilot project of cooperation with the currency exchange small pieces of 10 banks in 50 bank branches in Greater Jakarta.

Small fraction of money changers in 50 different bank branches with cash around BI serving the general public. The focus of the currency exchange services in 50 small fragments of the bank is to visitors and customers of the bank.

Here’s a list of banks and money changing the location of the pilot project in collaboration with a small fraction of BI:

1. Bank Artha Graha, Branch Office in Tanah Abang, Jatinegara, and Mangga Dua Morning Market.

2. Bank Central Asia (BCA) in the Branch Office Asemka, Pluit, Sudirman, New Market, Daan, Thamrin, Wisma Asia, Wahid Hasyim, and Rawamangun.

3. Bank Negara Indonesia (BNI) in Tanah Abang Branch, Grand Indonesia, Wisma 46, Rawamangun, Pondok Indah Mall, and Mayestik.

4. Bank Rakyat Indonesia (BRI) in the Branch Office Jatinegara, Pasar Minggu, Kebayoran Baru, City, Tangerang and Cilegon.

5. Bank Danamon Branch Office Phone City.

6. DKI Bank Branch Juanda, Matraman, Permata Hijau, Lower Dam, Tanjung Priok, and the Mayor of East Jakarta.

7. State Savings Bank (BTN) at the Harmony Branch, Bekasi, Tangerang, Bogor, Ciputat, Depok, and Cikarang.

8. Bank Mandiri Branch Juanda, Kebon Sirih, Falatehan, Juanda Bekasi, Tangerang Ki Samaun, and Depok.

9. UOB Buana in the Office of Harmony, Asemka, and Green Garden.
10. Bank of North Sumatra in Jakarta Main Branch, Commander Polim, and Tanah Abang.

Economic growth in the regions in Indonesia that is still far below the national economic growth highlighted the central government. Ministry of National Development Planning (VAT) / Bappenas encourage local governments to boost economic growth rate close to their respective national economies. To that end, the Ministry of PPN / Bappenas initiated a new strategy for central and local government policy in relation to development. If previous meetings between central and local governments was held in the deliberations of national development plans (musrenbangnas) once a year, so this time more intense meetings will be conducted within a relatively short time, ie three months.

VAT Minister / Head of Bappenas Armida Alisjahbana disclose, quarterly meetings between central government, represented by Bappenas, the Ministry of Finance, and Ministry of Home Affairs (kemendagri) with the head of Bappeda throughout Indonesia, as directed by the President Susilo Bambang Yudhoyono (SBY) to optimize coordination more intense.

Implementation Musrenbangnas that only four days less than optimal so that needed sharpening and evaluation programs that facilitated the development of regional level of central government. One of the issues you’ll enjoy is to accelerate regional economic development in an effective and sustainable. Due to evaluation and consultation, is expected to assist local governments in accelerating development.

Thus, there is equal distribution of economic growth between regions and with the central government.

ATM (Automatic Teller Machine) has long been known as a place to attract money easily and quickly. The process can be withdrawn anytime. All it takes is an ATM card and PIN number. However, the criminals use sophisticated technology, not least to attract the money belonged to someone else who might happen to you. How to order securely use ATM? To ensure that you do not become victims of crime in ATM technology, you can perform the following practical steps.

• Check your ATM card to enter the hole
Skimmer or other means of copying the data posted on the front of the hole where the insert an ATM card. These additional tools can trick the user if not careful. So, before inserting the card, check before hand whether there ex-patches, glue, or anything suspicious on the hole to insert the card. Because a criminal might have put a skimmer device. If possible, choose to use an ATM that was installed anti skimmer usually green or ATM nodes in the hole. These tools can prevent the installation of a skimmer.

• Cover when entering PIN numbers
To get the PIN numbers of customers, used surveillance cameras to peek and you may be unaware of its existence. To ensure the security of PIN numbers, cover with a hand that is not used to push the button so that if there is a camera, can not take pictures when you enter your PIN number. Some ATMs have put the cover on the left and right buttons to enter a PIN, but not apply it to the ATM, you can protect yourself in this way.

• Select a safe ATM
Remote ATM can be dangerous, because you might be a robbery victim. ATMs are less controlled by the banks will make the criminals are free to install the skimmer, surveillance cameras or other technology to steal your data. Where possible choose to use ATM’s hustle, no remote, and if possible, guarded by security officers.

• Create a PIN that is not easy to guess and kept confidential
PIN number of the date of birth, date of marriage or date of birth partner is a number that is predictable. So make your PIN more difficult to predict. But because of your PIN numbers at random and difficult then you might write down the PIN in the paper or a place that is visible to others. Do not do that. Do not tell your PIN to anyone, especially if someone offers help when you’re having trouble at the ATM machine.

• Change your PIN number periodically
Perhaps most people are lazy to do this, because change means having to remember PINs new number. But there is no harm in you doing this for the safety of your savings. Replace your PIN numbers regularly.

• Do not trust people who are not known
New modes of crime at an ATM is by pretending to be a bank employee, so they make a defective machine swallowed the card, then ask the contact numbers affixed to the ATM machine and when we’re not looking, the card in the ATM machine will be taken. While for the PIN, they may see when we transact, or they pretend to help by asking a PIN number. Though not meant to accuse any person, should not be too trusting with strangers.

• Avoid indiscriminate transact
ATM cards can often be used as a debit card to shop at various places. Make sure you use a debit card only in places that can be trusted. If the officer on the card swipe machines that are not official, and immediately asked to be careful, especially carried out in secret.
The presence of ATMs have helped many people to trade, but remained cautious because many criminals who exploit vulnerabilities to steal your money.

In principle, in running the business, there are only three types of capital that you would exclude:

1. Initial Investment Capital
2. Working Capital
3. Operating Capital

Let us discuss them one by one.

START INVESTING

1.Investment Capital
What is meant an initial investment capital? This is the kind of capital should you spend in the beginning, and is usually used for the long term. Examples of this capital is the building, equipment such as computers, vehicles, office furniture and other goods used for the long term.

If your business is operating the motor repair shop, then your initial investment capital is the building, workshop tools, and other furnishings that are needed in these workshops. If your business stores, then your initial investment capital is a shelf, table, perhaps even register.

Usually, this capital value is large enough for use in the long term. But the value of the Initial Investment Capital will shrink from year to year even from month to month.

2.Working Capital
This is capital that you need to spend to buy or make your merchandise. This working capital can be issued every month, or every comes order.

For example, if your business is eating place of business, then the working capital you need is capital to buy groceries. If your business development efforts made craft goods, then your working capital is the money you spend to buy raw materials. If your business is photocopying services, working capital yes you the money you spend to buy paper, ink, and others.

Principle, without working capital, you will not be able to complete your order or do not have merchandise. Later, you might not even going to be a buyer because the goods are just not there. That is the importance of working capital.

3. Operational Capital
The last capital operating capital. Operational capital is capital that you need to spend to pay the monthly operating costs of your business. For example payment of salaries, monthly telephone costs, electricity, water, and even retribution.

Outposts in the capital was in all business operations are generally quite similar. This is because, in principle, the meaning of operational capital is money should you spend to pay for items outside of your business expenses directly. So, these are usually Operating Capital payable monthly.

Want to develop business? You definitely need a capital. There are many sources that can be found. As of close friends, parents, cooperative, or a bank.

But that need to be remembered, there must be a borrowing requirement of funds and cash loans which always accompany it. Well, if you want to borrow capital from banks, this is his tips:

Banks will assess in accordance with principles 5 c, the character (the character), capital (equity), collateral (security), capacity (capacity of the business), and condition (operating condition).

For the character, the things that visits include a commitment that built the business, business records, such as suppliers, customers, and banking history. Banks will see if your business never has a history of troubled loans or not.

In terms of loans and cash loans, banks look at the capital needed for business. Ayu said, the bank can not provide 100 percent financing to businesses who filed the capital. There must be self-financing (capital of myself), does that come from paid in capital or accumulated profits into capital.

This capital, among others, viewed from the composition of ownership that anyone, who the dominant currency, and who the loan capital fund management business and the cash fund. This is important, because by knowing who is in control of this capital, the bank will know how to run a business continuity in the future.

Towards the capital loan fund these efforts, the capacity of the proposed business is also a supporting factor. Bank, among others, will see sales revenue, cost structure, cash flow, the velocity of charges and fees on income.

Banks lend capital operating funds, with the meaning of these banks also want the general sustainability of the return of capital. In preparing the proposal, the capacity of the proposed business is a very important status.

For the views of business conditions is usually permissions. micro-businesses typically, these permits can be from the district or sub district.

To guarantee what can be guaranteed, there are two types of collateral that can be used as collateral, ie, the intangible, such as equipment, machinery, vehicles, buildings, or loan guarantee land. While for operating funds and cash funds that is intangible, such as personal or corporate guarantee such warranty is given credit insurance.