Paul Chaney Business

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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.

Career or an entrepreneurial is two options currently worth living. But you should, set based on ability not to sacrifice the lives and future. Each person must have a plan in his life. One of them, about how he will enjoy the old days later. Alternatives that can be selected? By collecting sufficient savings or retirement fund has enough to support their own business. But sometimes, you need to wait days old to start their own business. Some people decide to have their own business while still in their productive age. Which is more appropriate?

Here are tips to make decisions before deciding to end his career and starting your own business.

Read Opportunities
Basically, the views from the choice of career or entrepreneurial, not just an opportunity. Opportunities will always exist. But the most important thing to note is whether the opportunity can be a good prospect for our future?

Understand if it had passed thorough consideration. All options must have advantages and disadvantages.

The best way to know the right choice is to create opportunities considerations can provide good prospects for us ahead. If the prospect is good and it could happen, then any choice will not be a problem.

Focus on purpose
Before choosing to entrepreneurship, to understand if on each business would have a difficult time. Keep in mind, the business is a process. In the process, there is always a good time but some are not good.
If the coming period is difficult, try to remember back if one of the reasons for choosing entrepreneurship, because we value the future prospects more promising. At the very least be better than current conditions.

Another important thing to note, always focus on the purpose in the future. Perhaps there will always be a small shock on the way to reach a goal, but do not destroy confidence.

Can do anytime
Options entrepreneurship can actually be done anytime. When still in their productive age, and when it enters retirement. Principle, if the feeling of choice and opportunity given to bring good prospects, why not? Good prospects are not just seen from the wealth or welfare that can be achieved, but also provides self-actualization.

Regarding the determination of any kind of business can be started, beginning of course faster is better. Remember, entrepreneurship is a process, not like work and receive salaries directly after a month we receive a job. The result will be picked after fruitless efforts and successes that come can not be predicted.

Business Insurance
All activities must be no risk, including business. And, now, you can choose to run that risk alone with personal wealth, or by putting a risk to other people with insurance. Indeed, the business basically can not be insured, but so can the business assets are insured.

Business assets such as place of business, merchandise, or other asset types, can still be insured. You can contact the insurance company. With them, we can count the amount of assets that can be insured. In addition, consult about the product that best suits the most likely risk to the business.

Sincerity and Discipline
Before starting entrepreneurship, to be sure there will be a big question that block: “How much capital should be collected to be able to start a new business?”

Actually there is no benchmark of how much money it needs capital, but most important is the commitment and discipline in capital through the process. However, it is impossible to run a business without any money at all. Fixed capital calculation required prior to running the business.

Well, the amount of capital required is highly dependent to the type and magnitude of business that will be executed. If starting from a small business, only with the funds of Rp 100 thousand were already able to start a business.

But, with USD 100 million fund, venture capital can also be less if used for other types of business. So venture capital is highly depending on the type and scale of its business scale. We recommend either calculated with business objectives will be carried out first and set aside income as a future capital.

How much funding is allocated? Minimal set aside 20 percent of income to be collected as a business capital. Suppose that this business is later as an investment in the future.

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.