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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