The Demo Site

Business is usually when it's run would require a capital injection to expand its business. Unfortunately, not all businesses to seamlessly access additional capital from the banks. In fact, many entrepreneurs who wish to make a loan KUKM to the bank confused because they have to submit proposals that explain the intent and purpose loans. They also do not understand how to create a bankable loan proposal. Or maybe often make a proposal, but doubted whether the proposal was prepared and bankable visible.

Therefore, the ability in preparing credit proposal would provide little benefit for future business development. Given the other party or the bank may not directly accept loan applications submitted without studying the proposal.

So, it is clear that the proposal is an important complement the proposed loan to the bank. Approved or rejected the submission that the proposal submitted tergatung also able to attract the attention of the bank or not. Because the proposal describe the prospectively viable business or not. In essence the bank can not directly accept your loan application without examining the proposal.

This is where the ability to arrange the necessary credit proposal because it will give many benefits in your business. The proposal is a complement in the proposed loan to the bank. The proposal is also urgent to attract the attention of the bank, because the proposal viable prospective describe your business or not. Benefits that would be obtained if you are able to prepare a proposal are:

a. Lenders / banks will prioritize your loan.
b. You get the opportunity to develop the business into a larger scale.
c. You will receive an award if you become big business and example.
d. You will have a broader relationship.
Here is an example layout of a proposal that includes the full points, among others:

Cover
On this first page contains the names of businesses / cooperatives (in the top / middle of the page), place of business, month and year of manufacture of the proposal (usually below).

Second page
Contains a brief profile and identity of the owner of the business which consists:
a. Name, address and telephone number of cooperatives / companies.
b. Name of management, employees, and managers.
c. The location where the business is located.
d. The number of cooperative members.

Proposal Summary
The contents of the proposal should be summarized in the form of a summary of the proposal which includes:
a. Brief profile of business and owner's identity.
b. Total loans requested.
c. Credit package for each member (for cooperatives).
d. Loan repayment period.
e. Grace period (grace period).
f. Alternative guarantee its value estimation and when the business will commence.
g. Classification and independence of cooperatives.
h. When did the business plan / project will be executed.

Proposal Contents
a. Preliminary
Introduction The background can contain business establishment, the reason of the need for investment and working capital and general business climate and business plan forward.

b. The purpose of the use of funds and the amount of financing needed here you need to write the purpose of financing the use of funds and the amount of funds necessary financing. Explained also how you will use these funds specifically and clearly.

c. History and explanation of cooperative efforts that are informative, factual and unemotional, regarding when the business was established, initial location of the business is established, technologies and equipment used in the early establishment of enterprises, development of employee / management, development of production, demand from anywhere, and marketing anywhere.

d. Market information regarding specific products and services. Using the fact that there is, in the form of numbers and names, for example: i) What are the products and services offered (which has been and will be produced). ii) Who are the buyers and the rival product. iii) Is there a company specializes in one or two kinds of products, or indeed offer a wide range of products to be marketed What is done by business owners in maintaining or increasing its share of the market (market share). iv) Demand-supply, identification of common indicators that have anything to do with demand and supply of products such as demographic data, income per capita of a region, product marketing and other data relating to supply demand. v) The analysis of competition, described the position and competitors' efforts in marketing similar products, especially the comparison in quality, price, and service. vi) distribution channels, also explained the method of marketing distribution channels and explain the advantages of marketing distribution channels used. Marketing plan, about what products will be marketed, in the local area, between cities, provinces, and exports. vii) The development of prices at the local level on average 2-3 years terakhir.viii) Aspects of production. ix) The process of production and technology. x) For the production effort, described the technology being applied, machinery and equipment and price specifications, production process briefly, charts and flow of production. For trade, written procurement process the transaction until delivery of the goods. xi) The capacity of production, for types of businesses included the production of necessary production capacity and production plan per year. xii) The location of the business, by creating a map in hand description. Explained where the location of the business is located, an important business location are not affected by prohibition. xiii) land and buildings, explain the details of soil with standard size (ha / m) whether the land is property, lease or other form of ownership. Explain, if there are buildings necessary for the business. xiv) Raw materials and auxiliary materials, easily whether or not the procurement of raw materials and auxiliary materials, including sources, availability of supply, volume, mobilization of raw materials, purchasing system (cash / credit).

e Socioeconomic aspects
i) Any employment, explain whether the business is able to absorb labor, and how many workers absorbed. ii) The linkage effort, explain the business relationship with big business, with other small and medium businesses, with cooperatives and others. iii) Revenue, an explanation of your business will give improvement.
 
f. Financial history of business / cooperative
The financial statements of the business for at least the last two years include: i) the Balance Sheet. ii) The consolidated profit / loss. iii) The type, amount, and the use of credit. iv) cashflow (cash flow) and expenditure receipts furnished the factors that influence it. v) Administration and reports. vi) The purchase, production, and sale / export. vii) The data concerning human resources, capital, material and financial reports should be submitted complete and correct.
 
g. Financial Projections
Forms of financial projections:
- The capacity of the business, purchasing, and production.
- Data sales and exports.
- Project costs and financing plan.
- Budget cash (cash budget.)
- Consolidated revenue (profit / loss) pro forma.
- Pro forma balance sheet for the upcoming fiscal year.
- Source and use of funds.
The nature of the financial projections: realistic
Based on reasonable assumptions and may give a description about the possibility of profit or loss.
 
h. List of collateral that may be given, a form of collateral in the form of goods being financed and other collateral when deemed necessary. For example, land and buildings / machinery, vacant land, supplies and other goods.
 
i. Cover
Hope and gratitude on the part of banks.

Attachment
Other additional information that support in the form of attachments, among others;
a. Copy of ID card, driver's license
b. Plans in the blueprint.
c. The drawings or photographs.
d. Photocopy of official documents (legal documents) as SIUP, TDP, TIN and deed.
e. Business establishment, identity management and important records.
f. Census data and demographic data.

In practice, the data above can be increased or decreased tailored to the type of business. In substance, a comprehensive and interesting proposals are needed to convince the banks to provide credit. Good luck.