Selasa, 16 Oktober 2012

Guidelines and Requirements Getting Credit


below are the requirements that must be met in order to obtain credit. You do not know what the credit? For more details, read the following article.
1. Obtaining Credit RequirementsCredit comes from the Greek is "credere", it means confidence. Thus, a person whose credit is essentially obtain a trust. The government through the banks have issued a series of regulations in order to help the small business capital company called Small Investment Credit (CIC) and the Permanent Working Capital Loan (KMKP).KIK is a medium-or long-term loans given to entrepreneurs / small businesses (the economically weak), to fund the capital for the rehabilitation, modernization, expansion and establishment of new business projects. While the definition of KMKP are loans given to entrepreneurs / enterprises kecl (economically weak). For the purposes of working capital (in this case for the purchase of raw materials, auxiliary materials, wages, etc.).The requirements of the applicant to obtain credit is as follows.
a. Natives.
b. Pengusah / company economically weak.
c. Having a clear business plan.
d. There is a business license.
e. Not currently enjoying another bank loan.
f. Excluding the Civil Service / Armed Forces or his wife were barred attempt by PP No.6/1974.
g. Excluding the black list / dual credit list / list of bad debts, according to bank records.
2. How to Apply for a Loana. Submitted to the executive branch bank.b. Fill out the form fields dafatar already provided pelaksan bank branch concerned.c. Give full and true (honest) the financial condition and business of the applicant.
3. Need Attached Documents in the Application of CreditIn applying for credit, needs to be attached to the following matters.
a. Deed of incorporation and ID cards.
b. Business Permit / Business License, permit the industry.
c. TIN.d. Balance da details of profit / loss and business activity reports.
e. Business proposal.The procedure for processing a credit application is as follows.
a. Preliminary studies on the application.
1) Meets the requirements of the applicant or not.
2) The applicant credits can be trusted or not.
3) The applicant meets the requirements of the request or not.
4) Is the complete data from the applicant or not.
5) How the applicant's business sector to be financed is saturated or not.
6) The application includes a list of black / dual credit / bad credit or not.
7) the applicant's business sector, including banks financed or not.
b. InterviewBank branches executing an interview with the applicant credit.
c. InspectionExamination of the place of business / location of the business applicant.
d. InformationGather information about applicants from other banks.
e. Assessment / analysis request1) judging to download ghadapi credit risk.
a) The nature or character of the applicant.
b) Ability.
c) Capital.
d) Conditions.
e) Guarantee.

a) Analysis of the petitional The general aspect.
(1) Licensed / deed of effort.
(2) The owner of capital.
(3) business experience.
(4) Information to third parties.

b) the management aspect.
(1) Board.
(2) The number of members.
(3) Duplicate position outside the company, the job does not inhibit or course of business.
(4) The applicant authorized or not authorized to apply for credit.
(5) administrative neatness.
(6) The Truth data submitted.

c) the marketing aspect.
(1) Type of goods sold.
(2) distribution channel.
(3) The position of the applicant against the intermediary.
(4) Method of payment.
(5) Average sales per month for 6 months.
(6) Plan for future sales.
(7) the final consumer and marketing area.
(8) The average value of the contract last year (specifically for construction).
(9) The value of the contract being implemented (specifically for construction).

d) aspects of engineering and production / purchase.
(1) The place of business / project site.
(2) Equipment required.
(3) The state of equipment / machinery.
(4) cost of adding machine / equipment / building.
(5) Plan the average production per month.
(6) The average production of the last six months.
(7) Comparison of average production and average sales.
(8) Source of raw materials / merchandise.
(9) point of purchase.
(10) Method of payment.
(11) Equipment available.
(12) Experience the type of projects to be implemented.
(13) Schedule the project term and level adjustment.

e) Financial aspects.
(1) Calculation of costs (favorable or not).
(2) Analysis of the sources and uses of funds.
(3) Analysis of the liquidity ratio, solvency, activity, and profitability.

f) Termination (branch chief authority)
(1) Rejected.
(2) Approved.

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