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Help your children to have an entrepreneurial mindset

2021-10-19T05:30:00.004-07:00

What do you want to be when you grow up?

Firefighter, policeman, dancer, astronaut, soccer player… The question that we all receive as children is usually answered with a profession that we imagine exciting or full of adventure, but that does not reflect an entrepreneurial mentality. And growing up, many of us take a different path, even far from those first childhood dreams.

Very few children answer “I want to start a company”, or “I am going to have my own business”. Almost no one can affirm "since I was born I knew that I was going to dedicate myself to business." Why will this happen?

Because, in reality, entrepreneurs are not born, they are made.

At Oyster we believe that everyone has a talent, an idea or a mission that they can turn into a great business. However, many believe that they are not entrepreneurial. They think that they "don't know how to do business", that they are unlucky or that they do not have what it takes to start a business.

The truth is that everyone, with the right knowledge, skills and resources , can be an entrepreneur.

What is needed is that from a young age they teach us how to do it. Therefore, we want to share some ideas to educate your children with an entrepreneurial mindset.

Teach them to save

To grow up with an entrepreneurial mindset, it is essential that children learn to save. But in order to do so, they first have to learn to know the value of things. Without a guide, little ones cannot know where goods, toys, clothes, or food come from. That is why the first years of life we think that the objects and comforts that surround us appear simply because we ask our parents for them.

The next step is to teach them the concept of money: show them little by little what it is, help them understand that money is used to obtain something in return, that it does not grow on trees or can be magically created ... and that it is limited. With this, your children will gradually learn that each thing has a value and a price; and therefore, to manage money.

That is when it will be time to teach them to save; that is to say, to conserve money for the future. Many specialists in psychology and pedagogy suggest that children who know how to manage money and the importance of not wasting it will be better prepared for their adult life.

The first thing is that they learn by imitation, following your example. If at home they observe that you take care of things, save water, energy or objects that are really useful for family members, they will spontaneously take their first steps to save, and later they will understand the importance of making good use of money .

5 lessons to learn to save

Later, you can deepen their learning of saving by teaching them the following lessons:

Not everything you want can be obtained with money.
Everything has its price and the value of some things is not measured in economic wealth.
Your parents cannot have unlimited money, and it is very difficult to have all the money you want.
Many things want to buy only out of desire or whim and others are real needs.

Other ways to encourage savings are:

Playing board games together, like 'Monopoly', 'Cashflow', ' Financial Lottery ' or ' Financial Memory ', to name a few.
Buying or making the classic little pig so that they can keep their coins in it.
Implement recycling and garbage separation methods.

Help them to be consistent

In order to form an entrepreneurial mentality in your children, it is also important to forge in them the quality of perseverance. It is very positive that as they grow they know the benefits of finishing what they start and understand that taking their projects to the end is essential to achieve their objectives and fulfill themselves as people.

A very useful way to do this is to teach them and show them every day that everything is achieved with effort. At home, it is necessary for everyone to have duties, such as making their bed, putting away their toys, folding their clothes or lifting their dishes, for example. When they do, always try to acknowledge it and make them feel how valuable it is. You can also incorporate concepts such as reward or profit. For example, if in addition to their daily tasks they take care of something additional such as separating the garbage or sweeping a room, it is a good opportunity to give them a 'compensation' such as a candy, an additional hour of video games or another activity that they like. or a small amount of money for them to use as they prefer.

If your children understand that constantly fulfilling obligations and creating good habits improves the quality of life, when they are adults it will be easier for them to start businesses and persevere until they become successful.

Show them how to be independent

Another of the fundamental qualities to develop an entrepreneurial mindset is independence. That is, the ability to take charge of their own emotions, needs, responsibilities, as well as the consequences of the decisions and actions that are carried out.

Although human beings are completely dependent on parents to survive the first years of our lives, over the years it is healthy to learn the behaviors and skills necessary to develop as an individual. That is why the sooner you start teaching your children to fend for themselves the better, because their personality will be reinforced and it will be easier for them to learn to do their things without depending on others.

In addition, if your little ones grow up with adequate independence, they will be able to perform with confidence and confidence in themselves at school, on sports teams, with their friends and therefore, in the professional field when they are older. All this will translate into skills to make decisions, solve problems and not depend on hierarchical superiors, rigid structures or the availability of the labor market to get ahead.

The entrepreneurial mindset starts at home

If you take these ideas into account and put them to the test with patience and empathy with your children, you will discover that it is not so difficult for them to grow up with an entrepreneurial personality and mindset. As always, your example will help them develop them naturally. When they are adults and reach their goals, you will know that these entrepreneurs were not born that way; you did them.

How to understand and increase customer lifetime value

2021-10-19T00:00:00.001-07:00

All companies and businesses have a common goal: to acquire more customers. And it is not that it is a wrong or unattainable goal, but what if you knew that there could be a more efficient and profitable path? Instead of wondering how to get more customers, the strategy you can discover is how to get better customers; that is, how to increase the customer's lifetime value.

Customers are different from each other and can be measured with a specific value. This is what is known as customer lifetime value or CLV . It is the most important metric that businesses are unaware of. Many marketers and other specialists have been pointing out the importance of knowing the CLV for years, but it is still ignored or underused by most people.

Discovering the customer's lifetime value

The lifetime value of the customer or Customer Lifetime Value is, in very simple terms, the value that a customer has for the business in a given period.

In other words, CLV is what a customer contributes to a business throughout the time they have a business relationship. It is a very important metric, because, as we will see, it costs less to keep or maintain existing customers than to get new ones, so increasing the value of current customers of your business is a very good way to grow.

Benefits of knowing the CLV

Calculating the CLV of your customers can help you in many ways, especially when making decisions for your business. Knowing it, you can determine, for example:

How much you can spend to get similar customers and make a profit
Which of your products or services customers with the highest CLV want
Which of your products or services has the highest profit margin
What type of client is most profitable for your business

Together, all this data can help you significantly increase the profitability of your business.

How is CLV calculated?

The easiest way to calculate CLV is to take the income that a customer leaves your business during their entire relationship and subtract everything you spent to attract and serve that customer:

Revenue per customer - Acquisition cost = Life value

The longer you keep your customers buying from your business and the higher the sales, the greater the lifetime value, as long as the cost of obtaining those customers does not increase proportionally.

Simple? Yes and no. Although the formula for calculating CLV can be summarized in a simple subtraction, understanding all the factors involved can be a bit more complex.

Taking customer lifetime value to the next level

To accurately calculate the lifetime value of the Client you will first need to be very clear about some basic concepts:

Average purchase value or average ticket. Calculate this number by dividing the total revenue of your business in a given period (usually a year) by the number of sales made during that time.
Average purchase frequency. Find out this amount by dividing the number of sales of your business by the number of unique customers who made purchases during that period.
Customer value. Obtain this number by multiplying the average purchase value by the average purchase frequency.
Average customer life. Get to this amount by calculating the average number of weeks, months, or years that customers continue to buy from your business.
Customer lifetime value. Multiply the customer's value by the average lifetime of the customer. This way you will know the income that you can expect an average client to generate during the time that they maintain a relationship with your business.

Let's see a practical case:

Andrea has a small cafeteria where occasional clients and some recurring clients come to. After dividing the income obtained by the cafeteria during a week by the number of orders (sales) made during that same period, he finds that his average ticket or average purchase value is $ 59 pesos .

The next step is to divide the number of sales made during the week by the number of individual customers who made them. Thus, you get an average purchase frequency of 4 .

Now you know how much your customers spend on average and how many times a week they visit.

Subsequently, you must multiply the average value by the purchase frequency. This operation shows that the customer value is 236 .

If the cafeteria has 100 customers, of which 50 buy during 1 week; and 50 buy for 52 weeks, so (50 x 1) + (50 x 52) = 2,650. Now you have to divide that number by the number of customers in the cafeteria (that is, 2,650 / 100) to find that the average customer life is 26.5 weeks .

Finally, we multiply the value of the customer (236) by the average life of the customer (26.5) to find that the lifetime value of the customer of Andrea's cafeteria is $ 6,254 pesos.

Why is customer life value important?

Helps you know how much you should spend to get customers

The cost of acquiring a customer might be more than the profit from their first purchase, but what if you continue to profit from that same customer over time? Knowing the customer's lifetime value or CLV will give you the answer.

Allows you to segment your customers based on their value

Knowing the CLV helps you focus. For example, you can find out who your most important or VIP customers are and send them gifts or special offers to retain them, or focus on acquiring new customers who are similar to them. You can also gradually try to sell more to prospective customers to increase their CLV. This type of targeting allows you to provide personalized experiences, which is something many customers are looking for today.

It is key to the growth of your business in the long term

CLV is a customer-centric metric and a very good basis for planning with the goals of retaining the most valuable customers, increasing revenue from prospective customers, and improving the overall customer experience.

Even the process of discovering the CLV is valuable

The advantages of determining the customer's lifetime value are not just the end result, but all the calculations and findings you make in your business to get there.

Determining the CLV will make you analyze not only sales, but the entire path of your customers: when, why and how often they buy. All these answers will give you valuable insights and will help you detect aspects that you may not have noticed before.

How to improve the CLV of your business?

Even knowing that there are several ways to earn income, customer satisfaction and retention are key to increasing CLV.

Making your customers happy generally results in them making more purchases from your business. Companies that actively work to achieve customer satisfaction generate more revenue than those that consider it unimportant.

Acquiring a new customer can be expensive. Various analyzes indicate that it can actually cost 5 to 25 times more than retaining an existing customer. In addition, the probability of achieving a sale to an existing customer is 60-70%, while to a new one they are between 5 and 20%. Furthermore, it has been calculated that a 5% increase in customer retention can lead to an increase in profits of between 25 and 95%. That is why it is imperative that your business identify and 'consent' to the most valuable customers, because by doing so you will get more income that will translate into an increase in CLV.

So instead of focusing on the first purchase, focus on getting customers to make the second purchase. It is between those two moments where customers are generally lost. Work to understand their purchase intentions and adjust the experience you offer them accordingly.

These are some very useful actions to incline a customer to buy more from your business:

Create attractive, easy-to-earn rewards or benefits to encourage frequent purchases.
Offer free gifts or product to repeat customers to build brand loyalty.
"Tie" additional items to a purchase to increase the average ticket, for example, offering packages, combos or discounts 2 × 1 or 3 × 2.
Stay in contact. Your old clients want to feel like you haven't forgotten them. Help them locate you and get closer.

In conclusion, you will build a more successful and profitable business if you focus on attracting and retaining long-term customers who become fans or ambassadors, and therefore repeat buyers.

Should I open a business account for my business?

2021-10-18T17:15:00.001-07:00

Having a bank account makes everyday activities much easier and provides various benefits. Despite this, many companies do not have an account, as they consider that they are not reliable, that they are not necessary or that it is very expensive to maintain them. Therefore, we share with you the information you need to break myths, resolve doubts and show you the benefits of opening a business account.

In Mexico, the vast majority of micro, small and medium entrepreneurs consider it important to separate personal finances from business. For that reason, many specialists suggest opening separate bank accounts and not using personal loans for the company. However, in practice entrepreneurs often use their personal credit card to finance their business or share the same bank account with their company.

For these reasons, a great challenge for SMEs is professionalization, as many entrepreneurs see their business income as a family income or asset. In other words, they use their business as a "petty cash" to finance their personal expenses. This makes running the business much more complicated and can lead to costly mistakes.

So the most convenient thing for you and for your business is to open a business account.

But first, what is a business account?

Bank accounts are financial products that help manage money. An account is, more precisely, a contract between a client and a bank or entity through which the holder deposits an amount of money and the entity acquires a commitment to safeguard it, with the assurance that all income and expenses will be recorded.

Therefore, a business account comprises a whole portfolio of services specifically designed to handle the money of a business and process its financial transactions.

Types of business accounts

Financial institutions in Mexico make various products available to companies and businesses that, for the most part, can be classified within the following types of accounts:

Current Business Account

It allows you to handle money in an easy, simple and safe way, since you can have cash when required. Current accounts are also known as deposit accounts, and it is the most common type of account for banks, as they allow money management such as transfers, payments and inquiries. They do not offer any type of profitability, since they are not aimed at saving, but are created to manage the money stored in them. It is common that they are subject to some commissions.

Business account with checkbook

Checking accounts offer easy, day-to-day access to the money that is deposited into them, and they also have a checkbook to manage money. Generally, they do not require minimum balances, but you have to keep enough money in the account to cover purchases. If the money runs out, more must be deposited to continue using them.

Business savings account

This type of account is suitable if the primary objective is to find a place to be sure of the money that a business makes. Savings accounts allow you to generate a small return on the money that is saved in them. As the name suggests, these accounts are intended to save money, so there may be a limit to the number of withdrawals or transfers that can be made in a month, and there is generally a minimum daily balance requirement.

Business Payroll Account

It is a bank account in which an employer deposits the salary and other benefits corresponding to the salary of a worker. It is common for these types of accounts to be exempt from commissions.

Business accounts in dollars

It is a deposit account in which instead of making transfers in local currency, they are made in dollars. Once the money is deposited, it can be made available at any time, with the option of using it in dollars or changing it into pesos. Plastics associated with dollar accounts are widely accepted worldwide.

Why should you open a business account?

Believe it or not, one of the first things you should do after creating your business is to open a business account. A business bank account will help you keep personal money and business money separate and better control expenses, thus making it easier to track your business finances and save time.

In addition to simplifying your business accounting, opening a business account provides you with more benefits:

A safe place to keep your money
Possibility of obtaining a business loan or a line of credit
Make payments and transfers, including paying taxes
Make payroll
Possibility of having a checkbook
Have a debit and / or credit card

Opening a business account helps you comply with the laws and be protected. It also offers benefits to your customers and employees.

To make matters worse, most business bank accounts offer benefits that standard personal accounts do not have.

Protection: Business accounts offer security to your business, your customers, and you personally.

Professionalism: Customers will be able to pay with credit and debit cards or issue checks to the company and no longer in your name. In addition, you can authorize employees to handle everyday banking tasks on behalf of the business.

Prevention: Business bank accounts generally offer the option of a business line of credit, which can be used in an emergency or if the business needs new equipment.

Buying Power: Business accounts help you manage, invest in the business, and establish your credit history. Business credit is similar to personal credit. Creditors use your credit history to determine how well your money is being managed.

It is easier to keep accurate accounting records: Using the same account for your personal and business expenses is not a good idea, as mixing finances can complicate accounting. It is best to have a business account and use it exclusively for business transactions.

Filing Made Simple: Preparing your tax return can be a complex process. If you use the same account for your personal and business expenses, it becomes even more complicated. An error in the movements and deductions can mean losses. Using a business account can help you simplify your tax compliance.

How to open a business account?

Some people open the account for their business at the same bank that they use for their personal accounts. Although this may sound very convenient, we recommend that you compare the rates, commissions and benefits offered by different institutions, as well as the requirements that each one asks you to open an account.

Some factors to consider when opening an account for your business are:

Requirements for a business account

Opening a business account is often more difficult than opening a personal account. Before choosing the account for your business, research what documents you will need, who will need to sign and how many visits you will need to make to the branch.

Commissions and charges for a business account

Accounts may have different associated fees, such as a monthly maintenance fee, charges for not maintaining the minimum balance, or fees for making electronic transfers. Read the fine print! It is important to be aware of commissions and understand how to manage them to avoid unwanted costs.

Monthly transaction limits

Business bank accounts may charge you fees based on the number of transactions in the account, the number of checks you write, and the number of checks or cash deposited per month. It is better to find an account that meets the needs of your business without having to pay commissions.

Digital services

There may be different features and services to compare, such as the ability to use an online banking system, use a mobile app, or connect the account to your company's accounting software.

When conducting your search, you should ask enough questions to know if the financial institution offers the services you need. Do not forget to take into account the key factors related to the day-to-day management of the account:

Opening offers
Interest rates on savings and checks
Interest rates on credit lines
Transaction fees
Cancellation fees
Minimum monthly commissions, which are charged if the company does not cover the minimum monthly balance or the minimum required number of transactions carried out.

You should know what is the minimum required balance and how much you will have to pay if you have a lower balance; how many free transactions would you have per month and what is the fee for exceeding the limit; how many cash deposits you have allowed per month and all the questions related to the requirements of your company.

Each financial institution has different requirements for opening a business account, but in general, you can expect them to request the following:

An initial deposit
A document that corroborates your identity and that of the business
RFC or proof of tax situation
Your business license
Associations and societies may need to provide incorporation documents

The advantages of having a 100% digital business card

At this point, you may have realized that opening a business account with traditional banks is quite a complicated process. Fortunately, now there is a new option.

Oyster is the first 100% digital business financial platform in Mexico, which eliminates the challenges of traditional banking for small and medium businesses.

In our country, opening a business account can take weeks and several visits to the branch. But as an entrepreneur, you need to take advantage of the time to dedicate yourself to what you know how to do.

Registering with Oyster has no opening cost or minimum balances and seeks to empower you so that you can grow your business. With it, at any time and every day of the week you can make transfers to suppliers, request payments from customers and get access to Oyster Mastercard cards, accepted all over the world.

With Oyster, you will have a CLABE number for your business, as well as a finance app that will make it easier for you to monitor every move you make. If your company is incorporated before the SAT, you can register for free with Oyster. You only need some basic documents and an Internet connection.

Thanks to state-of-the-art technology and human talent, the entire registration process is done within the application and in just 20 minutes. Later, in a matter of a few days, you will be able to use your card and see how this new financial experience will help you boost your business.

Don't be afraid to change. Having a digital financial platform should benefit your business and facilitate your activities. If the services of current banks do not satisfy you, dare to change for another financial solution.

Is it safe to have my money on a digital platform?

2021-10-18T05:30:00.001-07:00

Talking about digital financial platforms is an increasingly common topic among people who handle financial tools and society in general; However, there are still many buts on the part of the population when hiring one of these services.

The fear generated by making the leap from traditional banks to digital platforms is usually rooted, mainly, in the face-to-face factor: if we do not have another person in front of us providing the service, we automatically think that it is a scam. If there is no branch to go to in person, we are not confident enough to register.

In fact, these thoughts make us not see the advantages they offer us, such as much faster and more efficient responses -compared to waiting hours in a branch-, time savings and ease of procedures, as well as clarity in our transactions and services hired by being reflected on our cell phone.

That is why, to end the darkness that surrounds these issues, at Oyster we took on the task of answering the most common questions, doubts and concerns when talking about a digital financial platform and, with it, realizing that They are not as they are painted.

Who supports me?

All the cards and the services they offer are backed by a bank, be it traditional or digital. The management of your funds will be carried out by a financial institution with the laws and obligations of any other, but totally online and without the need to go personally to a branch.

The moment you want to contract the services of any digital financial platform, you will be able to access the information of the institution and which financial entity will be in charge of giving you the support you need. In addition, all interactions that exist between you and service providers will be regulated by the National Commission for the Protection and Defense of Users of Financial Services ( Condusef ), so do not be afraid 😉

Why is there no branch?

As we mentioned earlier, the fact that there is no branch is more good news than bad. The first one is that, by not having to invest resources in maintaining a branch -or several-, the costs of the services decrease drastically, so that the vast majority of the options in the market do not charge you maintenance fees or demand a minimum balance.

On the other hand, attention becomes much more agile by being digital: you can contact an advisor or chat with the technical support team no matter where you are, since you only need the help of your cell phone and Internet connection.

Even the process to open a card is more agile with these institutions: what takes hours - and sometimes days - to traditional banks, you can do it in minutes from your cell phone. Travel times are reduced, physical contact is avoided and safety is weighed by not having to go personally to a specific place to carry out a procedure or handle cash.

How do I dispose of my money?

Just because it's digital doesn't mean you can't access your cash. Most of the institutions that offer this type of service give you the option of requesting a physical card -which comes directly to your home-, with which you can make cash withdrawals at ATMs.

It depends a lot on the institution in which ATMs you can make withdrawals and the required commission, but there are financial entities that allow you to dispose of your cash without commissions and with a greater coverage of ATMs around the Mexican Republic. All you have to do is ask well before hiring and see which option is best for you.

What about security?

Many people consider that making transactions with a digital card is not safe, but this thought could not be further from the truth. In fact, digital cards give you more security options than you might think.

In addition to the basic characteristics of a card that help prevent fraud , most applications offer the option of turning off your cards, even physical ones, so you can be sure that they will not be misused if you lose them. In addition to this option, you can block or cancel your cards in seconds, and even report them if necessary. This does not apply only to physical cards; You can also do it with your digital cards.

Speaking of digital cards, many financial institutions are opting for the option of creating digital cards for your online purchases; By using them, you protect your bank details from possible fraud and do not allow your information to be cloned by having disposable access codes that are used for a single transaction.

It all sounds great. It is real?

In short, having our money in a digital financial platform offers us so many benefits that they seem too good to be true, but they are.

Your task is to identify the options that best suit your needs or those of your business, investigate what their terms and conditions are, and make an informed decision before clicking the I Accept button . But, with the information that we have just put on the table, you can trust that it is safe to have your money in a digital financial platform.

Oyster is not just the financial platform made by entrepreneurs for entrepreneurs; We are a group of professionals who care about the growth of small and medium-sized Mexican companies. Therefore, in addition to offering useful tools for managing your business finances, we provide you with relevant information that can help you make better decisions regarding your business.

Stay tuned to our blog and learn more tips that we have prepared for you. At Oyster, we want to see your business soar through the roof.

How to expand the payment methods in your business?

2021-10-17T23:50:00.001-07:00

All businesses seek to have two things: customers and profits. The great thing about this dynamic duo is that they always go hand in hand; the bad thing is that, if one falls, surely the other will also do it.

This is important because many businesses don't pay much attention to profits; It is true that they are very focused on obtaining them, but they do not always plan how to do it. Let's make this clearer.

Suppose you have a bakery. Every day you open at 6 in the morning and you have ready an exquisite bread that awakens, with its delicious smell, the entire colony. As is to be expected, all your neighbors and the people who pass by your premises die of a whim and stop to try your product, but not all of them have cash and you only accept that form of payment.

All the people who have cash will be the lucky ones who will be able to taste your bread and fall in love with its taste, but the ones who do not have cash? Some will return the next day with their change ready in their pocket, but others will not be able to do so and may never return.

Although this was just an example, it reflects the importance of expanding the range of collection methods for your business; Not only do you risk losing the sale of the day, but you risk losing potential customers who you could retain with the quality of your business; In addition, the habit of electronic payment is adapting more and more.

Therefore, here we tell you which are the most common payment methods that you should have in your business, in addition to giving you options to acquire them without investing too much.

Point of Sale Terminal (POS)

The point of sale terminal (or POS) is a device with which you can accept payments by credit or debit card in your business. Surely you have seen them when going to restaurants, supermarkets or any established business, but you don't need to be a giant of the industry you work in to have one.

It is worth mentioning that there are two main options when talking about POS terminals: banking and mobile. Banking terminals, as their name implies, are provided by traditional banking institutions and are directly connected to them, while mobile terminals are managed by third parties and also allow you to make card charges.

One of the main differences between banking and mobile terminals is their hiring fee: while the banking terminals charge you a monthly commission and ask you for a minimum billing, the mobile phones only ask you to pay for the equipment and you don't have to go back to disburse a peso, plus hiring is much simpler and more agile.

Mobile terminals have a fixed commission per sale depending on the institution you go to (between 3.4% and 3.6%, all plus VAT) and you can get, from $ 350 pesos, the simplest models. Normally, you will be able to receive your winnings between 24 and 48 hours after the transaction is made.

There are many mobile terminal options, each with its own pros and cons, but all will allow you to accept card payments and catch those customers who do not have cash at the moment. Research all the options on the market and see which one is best for your business.

Transfer

This is another option to receive payments from people who do not have cash. The transfer is made from the buyer's banking app and a certain amount is sent to the seller's account, all without physical contact.

One of the advantages of this method is the speed to carry out the transaction and the fact that it can be remote. However, to receive them you must have a bank account and know or have your data at hand, such as the card number or the CLABE account.

Among the disadvantages we have precisely the requested information: how many times has it happened to you that your CLABE account is shared badly or they send you blurry photos of your card so that you can make a transfer? In addition, depending on the bank, it will be the time it will take to validate a new account (sometimes it takes up to hours) for you to make a transfer, and some institutions charge a commission for each transaction.

Cash

The reliable old woman. It seems obvious to talk about cash as a payment method, but there are many businesses that no longer have it and we think it is a mistake.

Whether you have a fixed business or make deliveries, having cash (especially change) available will always be an advantage and will get you out of trouble when you least expect it. With this, you will not only make a profit, but you will give flow to the cash you receive and, most importantly, you will give your customer an incredible user experience.

Payment Leagues (Remote payments)

In this blog we have talked at length about the advantages of using paid links , but it never hurts to make a summary. I mean, in case there were any unanswered questions.

In short, payment links (or payment links) are electronic links that you can send to your customers with the intention that they make a payment (by various means) from wherever they are. Thus, you will not have to worry if they are hundreds of kilometers away or if they do not have the payment method you need at that time.

The ways in which your customers will be able to pay you vary depending on your link provider, but they are usually online charges using credit or debit cards. There are institutions that give you the option of making cash deposits at convenience stores, transfers by SPEI or even generating QR codes to scan and pay automatically, so find out well before signing a contract.

The advantage of this payment method is that you get rid of practically all the barriers that prevent your business from receiving profits: there is no physical contact, you do not need physical devices and you can be paid by card, transfer or cash; In addition, the commissions for each sale range from 2.5% + VAT to 3.6% + VAT.

Everything you need

With Oyster you can increase the collection methods of your business without investing more; Join and not only will you have an account for your business, but you will also be able to make and receive transfers 24/7 at no additional cost, you will be able to have your effect at all ATMs with your Oyster Mastercard and you will be able to use Oyster Link , the new way to collect remotely with one of the lowest commissions on the market.

Registering will take you less time than going to your bank branch (let alone the time it will take to get your shift taken) and it is completely free and online. Join Oyster , the financial platform for businesses that think big.

The best online payment platforms 2021

2021-10-17T16:30:00.001-07:00

Earning income is a must for any business, especially if you are just starting out. Therefore, when a profit path as strong as cash is obstructed by a situation that we cannot control - such as this pandemic - finding alternative monetization paths becomes a priority.

And while many growing businesses and companies have embraced digital sales from its inception, others have struggled to find a way to enter the online marketplace, leaving them stuck in their growth and committing their survival to medium term.

To make your transition to the digital world easier, it is best to hire an online payment platform (or payment gateway) since, with its services as intermediaries, payments made by your customers with debit cards or credit, and even deposits in convenience stores, so that you receive them without setbacks or scares.

Its operation is as follows: when your client adds elements of your online store to their shopping cart and decides to proceed to pay, the payment platform will throw up a form where the client must enter the data of their payment method (credit card or debit) to finalize the transaction.

The payment platform provides security to the customer as it recognizes the purchase as safe and knows that the store cannot obtain its bank details, while avoiding headaches for the business by taking away the responsibility of handling sensitive data while guaranteeing the security of the transaction.

If you want to hire a payment platform for your business, these are the best options on the market this 2021.

Tendube

This platform not only allows you to accept payments on the Internet -thanks to its integration with Mercado Pago-, but it also gives you the option of creating an online store completely from scratch and to your liking; perfect for businesses that are starting in the world of online sales. Costs range from $ 249 MXN per month to $ 1,999 MXN per month.

Shopify

It is a platform that, like Trendenube, allows you to create your online store, add your inventory and sell on the internet from a single place, in addition to obtaining an analysis of your sales (if you wish). Prices range from $ 29 USD per month to $ 299 USD per month.

Paypal

This is one of the best known options, with the longest journey and that generates the most confidence in customers when completing a transaction. With PayPal, you can accept payments on your website, in the marketplace, in person, and even online without having an online store. Get in touch with their sales team to find out the prices and commissions they have for you.

Payment Market

Mercado Libre launched its own payment platform called Mercado Pago; With it, you will be able to charge online in your online store (you can add the Mercado Pago plugin to Tíanube, Shopify and others), as well as create payment links to send them to your customers through social networks and charge remotely. Check their website for transaction fees.

Oyster Link

Oyster has been characterized by offering entrepreneurs the tools they need to grow their business; For this reason, Oyster Link allows companies to create payment links and share them through social networks to get paid wherever they are. But that's not all: with Oyster Link , you can also create QR codes for your customers to scan and make the payment without the need for contact, either on delivery or in person. All this with one of the lowest commissions on the market.

Now that you know which are the best options on the market to make the digital leap that your business needs, check which one best suits the needs of your business and dare to sell online. At Oyster, we are confident that your sales will increase.

9 profitable business ideas to start in 2021

2021-10-17T05:00:00.001-07:00

We are already finishing 2021 and many people keep wondering if it is a good time to start. If you are one of them and you are looking for business ideas that can be profitable in such a different year, stay and read this article.

Surely you have repeatedly asked yourself if this moment will be the best to undertake, since we are in an extraordinary situation and opening a business could be perceived as a big mistake. The reality is that that ideal moment is not going to come if you don't try.

Many local businesses have shown that innovating and adapting to new technologies helped them keep going during 2020. Following their example will help you see that starting a company that opts for these new forms of business can turn out better than you think.

That is why here we will give you 9 business ideas to start this year, some of them do not even require a large investment to start!

1. Online trainings

The most attractive thing about this business is that it does not matter if you are a freelancer, an employee or an entrepreneur. Taking advantage of your knowledge and skills in a specific area could help you to do online trainings such as webinars, courses, workshops or digital classes. Currently there are many platforms that provide this space so that people can learn from you, position your brand and also have an offer of significant value.

2. Fitness and healthy life

Fitness culture and healthy living are topics that have been on the rise in recent years, and 2021 will not be the exception; That is why opening a business related to this topic can be highly profitable.

You can dedicate yourself to a wide range of businesses that this area offers, such as being a personal trainer, conscious nutrition for people who want to improve their physical health, selling fitness products -such as supplements or sportswear- and even products for exercising at home.

3. Beauty products

We all want to look good and take care of our health; However, with the amount of extra time the pandemic gave us, many people have decided to focus more on taking care of themselves. Why not give them the products they need? If you offer good quality products at a good price, your sales will surely go up like foam.

4. A new form of tourism

Tourism is one of the most complicated issues in the middle of 2021 due to the health emergency that we are experiencing. People no longer want to risk booking a hotel, departures have become smaller and more selective.
If you have a property in a nice place where people can go to spend a weekend of rest, this can be an extremely profitable business.

5. Electronic commerce

E-commerce is a type of business that has been growing, but that skyrocketed during 2020.
This trend is presenting an excellent opportunity to undertake something profitable. This type of sale suggests a lower investment, since you do not need to pay expenses for a physical location or sales personnel. With the pandemic, people found that shopping online and having a wide variety of products in one place is a great option.
Attractive, no?

6. 3D printing

3D printing will continue to grow in 2021 and in the coming years. The use of this technology allows the production of objects such as respiratory valves, protective masks, prostheses and many other tools at more accessible prices.
The help that this technology has given the world is endless, so if you are thinking of opening a business, maybe you should consider this option within your ideas.

7. Boost your social networks

Social networks can be a powerful weapon in 2021. It is not news that influencers and local businesses have used them to boost their brands, so there is surely a fertile space here for you.
Think well of a strategy, choose a topic and an audience you want to reach and build your image and brand from there. It does not matter if it is just your image or if you want to sell products, social networks can be your best ally to generate without investing so much money.

8. Care for older adults

According to INEGI, Mexico has 15.4 million people over 60 years of age and 1.7 million of them live alone.
If before the pandemic it was already a situation of national concern, now, being part of the most vulnerable circles, older adults have had to stay at home and need support services and entertainment for their physical and mental health.

In recent months, many startups have emerged that are developing applications for the government and the private sector that connect volunteers with these people. Thus, we can help them get food, medicine and personal care items much easier and safer, as well as being able to connect volunteers to spend time with them. Could it be that this is the key to the success of your next business?

9. Relaxation

Continuing with the issue of personal care, it is important to pay attention not only to the outside, but to our mental health, especially after the increase in stress, the increase in workload and the little differentiation between personal space and work space with the implementation of remote work. Essential oils, scented candles, meditation courses, music or any other product or service that is related to relaxation will be well received by many people.

I hope that these 9 business ideas to undertake in 2021 have served you not only to consider new sectors that you may not have explored, but also to inspire you to undertake this year despite the very special conditions we are experiencing.

Remember that the road will be hard, but the reward will be very great and I am sure that your business will be able to prosper this year.

Financial planning and analysis, the secret of SMEs

2021-10-16T23:30:00.001-07:00

Since we open a business, we have acquired a responsibility that forces us to consider aspects that go beyond the activity to which we want to dedicate ourselves. Not only must we be good in our area of interest, but we also have to dabble in administrative, planning, analysis and management issues that perhaps we have never seen before, all with the aim of keeping our project afloat.

INEGI, in its second set of results from the 2020 business demography study, estimates that in 2019 there were 4.9 million micro, small and medium businesses, of which 12.8% (619,443 businesses) were new openings, but 20.8 % (1,010,857 businesses) closed their doors.

Likewise, INEGI comments that the average life of an SME is 7.7 years, but according to the Center for Business Competitiveness Development, only 25% of companies survive the first two years of operation. The causes? There are different responses, from insecurity, high financing costs, the legal difficulty to establish a company and the lack of planning and analysis to sustain the venture in the long term.

Of all these reasons, the one that draws the most attention -because it falls completely under the control of the business owner- is the lack of business planning and analysis, which is why today we want to investigate this issue to help you better understand this essential aspect.

What is business planning and analysis?

As well as life itself, businesses are governed and work daily under three times: the past (which is responsible for accounting), the present (workers and actions focused on generating income) and the future that depends on the establishment of commercial strategies that ensure the financial health of a company.

We are talking about crucial decisions that will set the course for our business, but how do we make better decisions for the future? The answer is found in forecasting, analysis, budget management and the accumulation of data that allow aligning efforts to meet financial objectives through strategic planning that must be evaluated regularly.
Entrepreneurs must be able to save, collate and analyze all the internal variables of their operation, current demographic and economic trends and objectively and subjectively evaluate their processes and finances to determine a business plan, as well as its financial impact.

Not only do you have to learn to manage payments and collections in your SME, but you also have to be able to analyze all those financial movements to map a path that leads to maintaining the financial health of the company in the long term and, although this aspect is not so easy to achieve, there are always ways to do it.

Where to start?

When an entrepreneur opens, it is very common that he himself has to carry out both the analysis and the planning of his finances with a little external help, but you can always plan for the future to strengthen the necessary areas that allow this task to be delegated and that you start to see results with a positive impact on your business.

Finding a CFO, as soon as possible, should be the first step. When the business becomes more stable, even a dedicated financial planning and analysis team will always represent a good investment. Your main task will be the creation of budgets, forecasts and analysis to ensure the necessary financial survival.

It sounds very simple, but in reality it involves very specific skills and knowledge that are not so simple to execute, such as the analysis of income statements and balance sheet, balance graphs, cash flow, costs to scale, sales levels and production, collections and periods of accounts payable, cash balances, among others; all to begin to carry out a strategic planning.

It seems overwhelming, we know, but considering this figure in your project will help you solve early the problems that lack of planning and financial analysis brings. In addition, today there are already online programs that also help simplify all these processes, but you will still need a finance expert to help you translate them into your medium and long-term action plan.

Recommendations for creating good financial planning

If at the beginning you still do not have a financial expert to assist you, here are some recommendations that can help you take your first steps:

Start planning by defining the heart of your business opportunity and outlining a strategy to achieve it. Review your necessary assets and operational needs to estimate how much money you will need, and finally, make a list of details that may impact your planning.
Make use of your creativity. There are no rules that define your actions, so you should always consider alternatives and unique ways of acting to obtain the financial resources that allow you to stay afloat.
The analysis and planning never stop, try to give constant time to the evaluation of everything that happens in your business, always boost the inflows of money because the capital and financial support that will sustain your project will depend on that. Seeks to generate more income than you need by making use of the previous point.
Pay special attention to cash flow management. The good management you do will impact your finances in the short term.
Make, create and maintain business relationships with finance experts. Look for mentors or consultants to help you and listen very well to their findings and recommendations, all of which will help you better understand this financial world and could even recommend someone who can help you in your business. The most important thing is that you give them the confidence that your venture is serious.
If your business opportunity is not well laid out, then the numbers in your analysis will be inaccurate. You have to understand the venture very well to be able to delimit well all the analytical and planning aspects.
Make your life easier by purchasing financial products and services that help you understand your finances more easily. For example, at Oyster we created a smart finance platform that helps you categorize your transactions, create budgets and even create savings goals that simplify your actions when moving your budget to achieve your goals.

We hope this information has opened the picture for you and invites you to find out more about financial planning and analysis. We also invite you to share recommendations and experiences about this and other topics on our social networks because that can benefit other entrepreneurs to keep their business afloat

Attraction and Conversion Strategies for your Business

2021-10-16T19:43:00.000-07:00

How to get more people to find your business?

Making the decision to open your own business involves a great effort, investment and planning that you see materialized until the opening day. It is common to think that, when you open the doors to the public, you will have customers constantly coming in to buy from you and that from the first days you will see good results in sales, but this may not happen.

Since you are defining the strategies to open the business, you should also contemplate the efforts that you could make so that they find you easily. The most important thing is to ensure the attraction of customers and make them genuinely consider using your products or services again in the future.

What should you take into account to attract your first customers?

It is important to spend some time researching the consumer trends of your target and potential audience; This way you will know the needs they have regarding your offer and how they like that product or service is provided to them.

We cannot forget that a client who has had a good experience with a business will surely recommend it and attract new consumers to it; For this reason, it is important to take care of every detail about how a person comes to know about your business and invest in a communication strategy that attracts the type of people you are looking for.

The best way to define what type of media are ideal for attracting new customers depends on the level of knowledge you have about their buying process. Understanding the way in which your potential consumers look for the products and services you offer will help you better plan the strategy so that they reach you.

Add your location online so they can find you easily

After the pandemic, consumer habits have been drastically modified and today it is very common to turn to the Internet to find the best supplier when it comes to finding a product or service.

The opinions and recommendations that other users have about a business have become vital in making our decisions, so here we recommend some options that can help people find your business online:

Use Google My Business . It is a high-value tool that allows you to create an online business profile to obtain a greater presence on the Internet through Google search engines and Google Maps. You can add photos and upload offers related to your company to maintain constant communication with your customers.
Use social networks to your advantage. It is said out there that, if your business is not in social networks, it does not exist. It is very common that recommendations and opinions are sought on social networks linked to a business and, to give it more visibility, you can add your location on the profile and attract that audience to give you a visit.
Get the most out of WhatsApp Business. Adding as much data as possible related to your business will make the search experience of your business much easier and will help you not miss potential sales opportunities that could come organically.
Provide better remote payment experiences. Remote payment leagues are a smart and easy way to give your customers remote payment options. For example, just by having an Oyster card you can make use of Oyster Link , which you can send to your clients by email, social networks or text message, so that they can pay you by card or cash from wherever they are.
Network and encourage them to leave you a recommendation. It is a great decision to spend time getting to know your customers and suppliers better, not only in the field of your business. Sharing experiences and knowledge can help you connect with people of value who help you grow. In addition, it will be easier to ask them to leave a good recommendation on your social networks to give your company more credibility.

There are different ways to network with intention and it is very worth acquiring this skill as a constant practice when doing business, since it will help a lot to increase the digital or face-to-face traffic of your business. But the actions do not stop there since, when you have more traffic, you must also be prepared not to affect your income.

Help your business with financial control tools

Once you carry out these actions and new customers begin to come to your business, the best option is to have financial tools that allow you to carry out an intelligent management of the income that you begin to receive.

If from the beginning you manage to establish categories of the types of expenses that you are having, make savings and investment plans and carry your billing in a more orderly way, you can even facilitate your accounting processes month after month; You can also spend more money over time on paid communication programs that extend your reach to more people.

At Oyster we want to help make all these procedures easier and more intuitive; For this reason, we help you to carry smart finances that allow you to identify leaks and spend more efficiently, to have better control over your funds and to give you all the information you need at the moment and online.

Take advantage of this information to put your business in line with the most appropriate strategy for your needs and start building customer loyalty who will make your project a great business. But not everything is only attracting new customers: the next step is to learn to set attraction and conversion goals that benefit your business.

How to set attraction and conversion goals for your business?

Setting goals when planning strategies is essential if we want to have a guide that takes us step by step to the place where we visualize ourselves as business owners; Failure to do so will make all our efforts and actions not focused on a specific objective and could mean a waste of resources by not obtaining tangible results.

Every business dreams of attracting potential customers that become recurring, where the shopping experience is so positive that it makes them lovers of the brand and that the conversion into sales is both incremental and palpable. This dream can come true with a definition of objectives that helps us get there quickly and efficiently.

Set business goals wisely

Goal setting is not something only new businesses should do; resuming and modifying them after seeing that certain strategies are not working as expected is essential to get our efforts back on track. The importance lies in clarity and there is a method that helps us to obtain it: the SMART method.

In reality, SMART is the initials of five characteristics that you must attribute to your objectives to make them realistic, measurable and achievable. Let's see what each one is about:

SPECIFIC (specific). This feature makes us wonder what do I want to achieve? But the answer should be as specific as possible. Define who this objective is aimed at, what needs to be done to achieve it and who can help you achieve it.
MEASURABLE (measurable). Determine which indicators can help you measure whether the goal is working. It is important to check its effectiveness in order to make improvement decisions on time.
ATTAINABLE (reachable). It is recommended to be realistic with the current business situation. For an objective to be achievable, you have to be able to identify how many resources you have, both human -including your level of experience- and technological, economic and tools that can facilitate the strategy.
RELEVANT (relevant). Check why this goal is important to your business and even to your customers. Once confirmed, it is recommended to investigate and analyze its feasibility so as not to waste effort.
TIMELY (time). Define a time limit to get results. You can establish if the objective will be short, medium or long term but the most important thing is to adjust to that time to drive the results to happen.

Giving all these characteristics to your objectives will help them go from "increasing sales" to "increasing orders of running food by 20% in a period of 4 months", thus knowing how close or far you are from achieving your goals as you progress time.

And how do I apply this to the attraction and conversion of my business?

SMART, as we saw, helps you clarify your objectives; now is the time to focus on the attraction and conversion of your consumers. Here are some ideas of the areas to which you can pay special attention:

ATTRACTION . This concept does not only refer to attracting people to your physical store or online business. You can ask yourself if maybe people need to get to know your brand first, go to your new website, or get new customers to find your business online. Choose a specific goal and create SMART goals to help you achieve it.
CAPTATION . This term is interesting because it is not necessarily focused on your customers buying, but on generating valuable information and experiences that make a person keep coming back to your business, website or even social networks. If you catch their attention, it will be easier for them to make a purchase soon. Now think about what SMART goals you can suggest to meet this goal.
CONVERSION . Make friends with the famous "CALL TO ACTION" or CTA's. Think about what kind of calls to action you can make and in what media or sites you can place them in order to guide your consumer to the place where they can make a purchase. These objectives especially need your supervision to measure their effectiveness and see which actions resonate the most with your client.
LOYALTY . The purchase of a product or service should not be the end of the relationship with your customer. It is very important that you give your consumers a comprehensive experience before, during and even after they have bought. These actions can be decisive for a person to return to buy your business and become faithful to your brand. So set SMART goals that focus on your customer's continued return.

A better shopping experience impacts your customers

Every opportunity to contact one of your clients helps to achieve this important stage of loyalty. Do not forget that, if you make life easier for your consumers, they will remember how easy it was to buy a product or service with you, both in a physical store and in your online business.

At Oyster we understand this importance and that is why we provide you with a comprehensive experience in your mobile account , such as adding your customers' data easily for future transfers, creating collection links to accept card, transfer or cash payments, notifying your providers when they receive a payment and, even, the one that you can add photos of your invoices to your transactions.

Take advantage of these types of tools that make managing your finances easier while you spend more time setting goals that will help your business grow, or focusing on creating new strategies to attract more customers to your business.

Strategic ideas to attract customers to your business

Today more than ever it has become relevant to turn our eyes to the Internet when it comes to doing business. Large and small brands around the world have turned their communication, attraction and customer loyalty efforts to their online channels. It is inevitable then to think that our new strategies must consider this aspect if we want to be successful in the established results.

What should my business consider before attracting customers?

El Financiero, according to the Salesforce State of Commerce study , mentions that the income obtained via the Internet "increased 55% during the third quarter of 2020 compared to the previous year." He also mentions that "71% of brands held virtual events on social networks, while 70% carried out chats or live broadcasts", which means that digital transformation is necessary for current businesses to attract customers. .

The data also tells us about an important aspect: not only do we have to pay attention to the attraction, since it is useless to attract hundreds of people to our store or online business if none of them buy. That is, our strategies have to be focused on learning how to attract customers and then on how to apply effective conversion actions.

Knowing your consumers and what your own business can offer them is vital to establish efficient strategies; Therefore, we share some ideas that can help you.

Business strategies to attract and convert

After learning how to set attraction and conversion goals for your business, it is time to carry out certain strategies that will help you achieve these goals in the stipulated time.

Know everything related to your business . It is not enough that you are an expert in your product or service: how well you dominate the industry in which you operate is the key to showing your client that they can trust you. This research can lead you to find out about unexpected uses that the same customer may be giving to the product or service and to offer a suitable solution to their needs.
Be clear who you are talking to and where it is . One of the advantages of the Internet, especially for online businesses, is that it allows us to specifically target a group of people with common characteristics. It is no longer customary to talk to everyone, it is always better to define specifically the type of person with whom we want to start a conversation. It is better to spend time analyzing the type of consumer we want (what they want, what they need, what they prefer) to get customers who convert, than to only have people who only turn to see us. If we know what they like to buy, where they do it and what types of messages they see, it will be easier to offer them our proposal in their natural environment and through the means that they themselves consume.
Give something back . We do not mean that you give away your product or service. There are many ways to give value to a customer who gives us his time, such as sharing useful information that he can consult at all times. Create blogs, host an online webinar, display relevant stats, or invite an influencer they consume to talk about you in exchange for testing your product or service.
Address complaints and claims . Honest feedback is gold for your business. Success lies in how fast and efficient you are in solving any problem. With complaints and claims you can identify which part of the process is failing and, in addition to solving it, you can take specific actions that allow you to retain a possible defector from your brand. The recommendation is to be grateful to the customers who leave their opinion and commit to an improvement action with them.
Write blog posts . Creating content that is of interest to your target audience not only positions you as an expert in the sector, but also encourages your website to appear organically in the first results of search engines. Writing regularly and consistently also allows you to take advantage of that content on your social networks, which can open up direct communication with your customers. If you answer the questions they have, you will also be providing a comprehensive experience in their purchase process with your business.
Give a gift. Again, it does not mean that you become Santa Claus and give your products or services left and right. Rather, set offers that involve some commitment from your customer but carry a gift incentive for their interest, such as a 2X1, a large discount or a product trial. Adding a limited time to take advantage of the gift adds a sense of urgency that can be beneficial to your business. Remember: a good experience generates loyalty.
Personalization is everything . Each of your clients has specific needs and looks for different solutions in your products or services. This means that your selling proposition can be anything but generic. The more personalized your sales pitch, the easier it will be to attract the right customer.

Be prepared for conversion

Now that you have ideas of many actions that you can carry out to attract new customers, you have to prepare yourself for the administration and management of the resources that will be entering with the conversions you generate.

Therefore, we invite you to learn more about Oyster and consider joining us when you think about having a business account, because in addition to not having commissions or fine print, we seek to empower your business with useful functionalities that will allow you to go further, easily. .

And it is that from the beginning we have been motivated by the idea of being able to create a new financial system that supports all entrepreneurs in Mexico, because we know that the best support for your business is to give you the tools that allow you to grow while you dedicate yourself to what you are most passionate about: your business. Therefore, to close this article, we also share some strategies to boost conversion in your business.

Strategies to drive conversion in your business

Capturing the attention of a potential customer is already an achievement in itself; The important thing now will be to be able to implement strategies that allow you to provide the satisfaction you are looking for to take the most desired step, that is, to buy from your business.

The latest trends have shown us that conversion on the Internet has risen to never-before-seen figures; After all the time that we have been confined, very important efforts have been made by multinational companies as well as small and medium businesses to sell more online.

This invites us to focus a little more on online conversion and how some data can help us make better decisions when defining strategies to help us achieve our sales goals.

How to know that the conversion is effective?

The first recommendation is that you see the process of attraction and conversion as part of a whole. There are strategic ideas to attract customers to your business and, as we will see later, there are also ideas to convert, but despite being two different efforts, both are necessary to measure their effectiveness.

For example, your attraction goal could be 3,000 new people coming to your website this month, but it is considered a conversion until some of those people buy from your store, so "conversion" could be defined as the positive response. from a person to action who has asked you to do your business.

The ideal is to be able to measure both aspects - attraction and conversion - in order to evaluate each one and make improvement plans on time. So, the way in which effectiveness is measured is the conversion rate , which is calculated by dividing the number of conversions by the number of visitors your store or online business has.

If you had 150 purchases from those 3,000 new people who visited your site, then your conversion rate is only 5%. With this, we could deduce that we should focus more efforts on conversion than on attraction.

The relevance of conversion strategies

Creating effective conversion strategies is known as CRO (Conversion Rate Optimization), this seeks that the largest number of customers who visit your business also convert, which gives you the best of both worlds, attracting traffic and a higher volume Of conversation.

Do not make the mistake of investing a lot in attraction and not enough in conversion; Ideally, double the conversion rate to cut in half what goes into attraction.

According to statistics from Status Bonsai , "the average conversion on a website is 2.35%"; on a mobile device “it is around 1.53%” and on Facebook “it is around 9.21%”, which tells us about the importance of investing in this type of strategy to achieve greater effectiveness in achieving our business goals.

Strategies to optimize conversion

Here we share some ideas that can help you be more effective in converting.

Test your site . User experience is everything when the goal is to close a sale. Knowing what types of messages, design and preferences -among other aspects- your users have, will help you to implement constant improvements on your site. The way to know these details is by doing A / B tests that will give you useful data about the true experience of your consumers.
Allow comments . The best thing for any business is to have an honest and trusting relationship with your customers. Also, a customer trusts more in a business where he can consult the experiences of other users. Receiving timely feedback will even allow you to carry out improvement actions that will positively impact your business.
Seek your customer's satisfaction . Pay attention to all the details that comprise the sales experience, from before you decide to buy, during the sales process and everything that happens after the sale. Follow up on the shopping experience of your customers to know their feedback, invite them to leave their recommendation on your social networks and focus on creating actions that generate trust.
It always invites action . The idea is that you always guide your consumer to take a specific action without making them feel like you want to sell them all the time. Usually, people like to feel that they are making the decisions, so actions in the first person are usually more effective, for example, "I want it."
Optimize the online experience . Work on the design of your website seeking to generate an experience that you would like to have when entering a site. It seeks that the loading times are not high, that it has a version to be seen from the cell phone, adds valuable content such as a blog and endows it with the best SEO practices to generate greater attraction; Also, make sure that the design looks professional (it is the image of your business) and that your contact information is always available.
Make your buying process simple . The more processes, filters, questions and steps you have so that your client can pay, the more cumbersome and unpleasant the experience will be. Look for the least number of steps possible, make sure the way to pay for your product or service is very clear and make sure the process is as intuitive as possible.

All attraction and conversion actions take a lot of effort, investment and dedication, but the results of a well-put together plan will always be worth it and will be reflected in the increase in your sales.

Remember that at Oyster we offer an ideal solution for any type of entrepreneur without hidden charges or unfair commissions, because we believe that the most important thing is to see you grow

How to get the most out of a business loan

2021-10-16T16:41:00.000-07:00

It is common to hear that entrepreneurs have to resort to certain cash injections to get around the day-to-day business life and thus continue to grow their businesses. Asking for a loan is normal to meet this need, but the challenge - which many times it is - is not in obtaining that loan, but in investing it in such a way that it becomes a good debt for your project.

Many people believe that asking for a loan will end up greatly affecting their finances due to the famous interest rates, so they prefer not to ask for one; But the prior planning, the analysis of your needs and goals, and the investment strategy of that credit can bring you benefits superior to the payment of said interests in the short and medium term.

What should you ask yourself before requesting a loan for SMEs?

It is essential that before requesting a loan for your SME, you take a few moments to answer this question:

If I ask for a loan, will the benefit for my company be greater than the interest that I will pay?

Answering this question will take you on a research trip of the different business loan options that can better meet the needs of your business, evaluate your financial reality, your ability to pay and learn about different offers and their interest rates; but it will also lead you to better plan how to invest your credit to get the best out of it.

After you have made the decision to apply for a loan, we recommend you measure the impact it will have on your business by measuring the return on that investment (ROI). According to Entrepreneur, ROI "is the most common profitability index" and allows us to measure the returns on an investment against its cost.

Calculating the ROI is not complicated and you can do it through the following formula:

ROI = Total profit - investment / investment

Now, if you want to obtain the result expressed as a percentage, you just have to multiply it by 100. That is: ROI = (Total profit - investment / investment) X 100.

The ranges of a good ROI usually vary depending on the industry in which you do business, but generally speaking, obtaining an average annual return between 5% and 12% is considered a good investment. Less than 5% is bad, and more than 12% is excellent.

Can I invest my credit for SMEs in whatever I want?

Now that you know how to evaluate what to invest in in order to return a good debt, you can also make strategies on how to use your credit options to play with the interest in your favor. One option to do this is the combination of credits. Yes, we mean business loans and credit cards.

The credits for your business are usually higher amounts and with better interest conditions. On the other hand, credit cards - despite having higher interest rates than a loan for SMEs - usually offer benefits and rewards such as interest-free months or cashbacks that could also generate value to your ways of investing.

If your needs and goals can be solved with your regular cash flow, you could cover them with your credit card in order to earn those rewards in favor of your business. The importance is in always paying the total of your card to avoid paying the interests linked to that type of credit.

On the contrary, if the investment is stronger, use your credit for SMEs to cover that need and always monitor that your ROI is being met according to the calculations you previously made. Knowing how to mix your credits will allow you to improve cash flow, obtain benefits for each peso spent and take advantage of an interest-free credit, while the earnings of your investment cover the interests of the largest SME credit.

Ideas to get the best out of your SME credit.

There are many ways to use your SME credit effectively , but if you are wondering what type of investment you can make with your SME credit, here we share some recommendations that are focused on growing your business and obtaining an ROI that allows you to have the security that your loan turns into good debt.

Upgrade or buy new equipment . Your productivity is linked to the status and quality of the team you work with, since your income is obtained from it. Have the essentials that ensure higher income well located to keep them in optimal condition. Also, consider investing in technology such as a good point of sale system or a CRM (Customer Relationship Management) to benefit your internal processes, your administration and the relationship with your customers.
Hire new staff. Invest in talent and more training to better cope with your increase in customer visits and keep your staff happier. This is also reflected in a better shopping and service experience in your business.
Invest in marketing and expand your business. Create marketing campaigns that promote your image and positioning and even expand your territory to more locations so that new people meet and consume you, this will inevitably lead to growth.
Stock your inventory. Many times you find opportunities to stock your inventory with great promotions and discounts, and investing in it could ensure cost benefits that will increase your income with appropriate strategies.
Improve your products. Many times, making improvements in the services and products that your customers already know helps increase sales. These changes can range from a packaging change to the improvement of some aspect of the product.

Remember that you can also focus your investment efforts on covering larger loans, paying suppliers on time to obtain benefits or discounts and even creating a stability fund for the months when productivity is not very high, but always make sure that your investment ultimately benefit your business with all the information we have shared with you.

At Oyster we are interested in helping you to be clear about all the information you need to be able to better evaluate your options and financial decisions; Therefore, if you are looking for a card for your business that helps you better visualize all your movements when using an SME loan, do not forget to check all the benefits we have for you.

Now, you already have more options and clarity that will guide you to get more out of your business loans and we would love for you to share more good tips that will help more entrepreneurs like you to reach their maximum business potential

Cara Membuat Ayam Goreng Saus Madu jahe

2021-09-11T04:45:00.000-07:00

Sebenarnya, sudah banyak sekali tutorial resep ayam goreng yang berhamburan di mesin pencari google, di sana ada ribuan bahkan jutaan tutorial resep ayam goreng yang dapat memudahkan Anda menemukan resep yang sesuai dengan keinginan Anda. Sama halnya dengan yang lain, kini pendapat.id pun akan menambahkan satu resep lagi tentang cara membuat ayam goreng saus madu jahe untuk kemudahan Anda sekaligus juga mendokumentasi resep kuliner di blog ini.

Sepertinya anda semua sudah pernah menyantap banyak variasi masakan ayam seperi ayam goreng bumbu tepung, ayam goreng lengkuas, ayam goreng kalasan dan masih banyak lagi. semua variasi tersebut masing masing tentu memiliki cita rasa yang khas dan enak. Namun, apakah anda sudah pernah mencicipi variasi ayam goreng satu ini?

Resep Ayam Goreng Saus Madu Jahe

Ya, Ayam Goreng Saus Madu Jahe adalah salah satu jenis hasil daya cipta masakan kuliner asli nusantara yang cukup terkenal sampai ke berbagai penjuru negeri. Selain cara pembuatannya yang tergolong mudah, ayam goreng bumbu jahe ini pun memiliki cita rasa yang gurih dan lezat.

Bukan hanya itu saja, bahan-bahan untuk membuatnya pun sangat mudah kita jumpai di pasar maupun warung terdekat. Masakan ini juga sangat cocok bila dimakan dengan nasi hangat dan sambal pedas. Anda semua pasti sudah penasaran sekali kan dengan resep masakan spesial satu ini? Yuuk langsung saja kita simak ulasannya berikut ini:

Bahan-Bahan membuat Ayam Goreng Saus Madu jahe :

Paha ayam 4 buah, masing masing di potong menjadi 2 bagian.
Tepung maizena 2 sendok makan.
Jahe 5 cm, diiris tipis tipis.
Light soy sauce 2 sendok makan.
bumbu ayam secukupnya.

Bumbu Marinade :

Garam, 1 sendok teh
Cuka, 4 sendok makan
Gula pasir, 4 sendok makan

Bahan Untuk Saus:

3 sendok makan light soy sauce.
1 sendok makan Saus Tomat
Madu 5 sendok makan
Garam secukupnya.

Cara Membuat Ayam Goreng Saus Madu Jahe

Taburi bumbu marinade pada ayam yang sudah dibersihkan dan dipotong kurang lebih selama 30-40 menit. Setelah itu, campurkan ayam dengan light soy sauce dan tambahkan maizena.
Siapkan alat-alat penggorengan serta minyak goreng. Tungggu hingga apinya panas kemudian goreng ayam tersebut. Tunggu sampai matang dan warnanya berubah. Setelah itu angkat dan tiriskan.
Tuangkan saus ke dalam Wajan kemudian tambahkan jahe dan masukkan Potongan Ayam Goreng, kemudian masak dengan menggunakan api kecil. Aduk-aduk terus sampai semua bumbu meresap dan tercampur rata.
Setelah matang, taruhlah dalam piring dan sajikan masakan istimewa Ayam Goreng Saus Jahe. Lebih enak di santap ketika masih hangat.

Tips Tambahan:

Sebagai tambahan, Anda boleh menambahkan bumbu rempah yang lain sebegai penyedap sekaligus pelengkap sesuai dengan selera Anda masing-masing.Sementara untuk ayam yang digoreng juga terserah Anda, Anda boleh memakai ayam negeri boleh juga menggunakan ayam kampung, namun kami sarankan untuk memakai ayam kampung agar lebih enak.

Demikian ulasan singkat seputar Cara Membuat Ayam Goreng Saus Madu jahe. Semoga informasi di atas dapat bermanfaat sekaligus menambah wawasan Anda mengenai dunia kuliner. Selamat mencoba dan berkreasi ya sobat pendapat.id. Semoga sukses selalu. Amiin. Jangan lupa baca juga resep-resep menarik lainnya berikut ini:

Bisnis Online yang Menjanjikan dan Terpercaya

2021-09-10T06:16:00.001-07:00

Bisnis Onlien yang menjanjikan dan terpercaya yang dapat anda pilih sebagai salah satu langkah awal anda untuk menjadi seorang pebisnis internet yang handal sekalipun masih pemula. Yang dijelaskan berikut ada yang lazim dan ada juga yang sebenarnyanya penghasilannya cukup besar tapi tidak banyak diketahui orang sehingga hingga saat ini masik sedikit pesaingnya. Ada yang mungkin bagi kebanyakan susah dijalankan namun beberapa jenis mudah sekali pengoperasiannya dengan hanya sedikit modal dan usaha saja.

Bisnis online umumnya lebih besar peluang penghasilannya karena daya jangkau pasarnya jauh lebih luas dari pada bisnis offline, selain itu bisa buka 24 jam selama 7 hari dalam seminggu yang juga jadi alasan mengapa usaha ini bisa meraup rupiah dalam jumlah banyak hanya dengan beberapa hari berjalan saja. Hanya saja, sekalipun tidak dibatasi dengan ruang dan waktu, namun ada banyak faktor yang dapat menyebabkan semua itu berjalan dengan baik yang akan kita jelaskan satu per satu nanti, yaitu di antaranya ranking di mesin pencari google, dan design website yang simple sehingga banyak orang yang senang lalu lalang.

Nah, inilah inti pembahasan kita malam ini, apa saja jenis usaha yang tergolong cepat menghasilkan rupiah dalam jumlah banyak dal sekejap tapi tetap halal. Penasaran kan? Mari kita simak bersama ulasannya :

Informasi dan Tips

Ini menjurus pada blog dan artikelnya, jika anda merasa sanggup menulis apa saja dan bisa rutin setiap hari mem-publish minimal 1 artikel maka disinilah anda dapat memulai jenis bisnis online ini. Caranya, cukup buat blog gratisan, apakah itu dengan Blogger atau pun WordPress tak menjadi persoalan, tapi kalau saya pribadi sebagaimana yang telah saya praktekkan lebih memilih blogger karena kerjasama iklan nantinya juga menggunakan produk Google, jadi lebih pas. Kalau tidak tahu caranya disarankan pesan pada jasa bikin blog yang murah. Nah, setelah jadi lanjutkan dengan menulis artikel-artikel yang banyak dicari, misalnya saja soal trik berbagai hal atau resep masakan, lakukan ini hingga blogmu berisi minimal 50 tulisan.

Setelah anda berhasil mengerjakan rekomendasi di atas, lanjutkan dengan melakukan optimasi agar blogmu mudah masuk halaman pertama google, kuncinya di sini adalah selalu blog walking setia hari, yakni berkunjung ke blog orang dan berkomentar sambil menitipkan link url dikolom isiannya. Usahakan minimal 10 blog orang yang kamu kunjungi dengan menitipkan alamat webmu sambil memberi nama berbeda sesuai dengan kata kunci yang ditargetkan.

Lalu bagaimana jika pengujungnya sudah ribuan? Nah, selanjutnya daftarlah google Adsense, yakni kerjasama periklanan google dengan sistem bagi hasil. Penghasilan dalam bisnis ini tergantung berapa banyak jumlah klik natural yang anda hasilkan dari kode yang dipasang di blogmu. Semuanya tergantung pada trafik dan banyaknya artikel, semakin sering update maka peluang penghasilannya juga semakin besar. Jadi cuma sesimple itu triknya.

Afiliasi Penjualan Ebook

Dari semua bisnis online yang bisa dibilang menjanjikan, cara afiliasi adalah yang paling mudah dijalankan dan juga hasilnya bisa sebanding dengan gaji UMR saat ini. Itu kalau untuk satu akun, lain lagi kalau anda mendaftar di banyak akun sekaligus dan setiap harinya menghasilkan. Lalu apa sih itu yang dimaksud bisnis Afiliasi? Ya, ini adalah semacam kerjasama yang mana dijalankan dengan hanya membantu pemilik usaha online lewat link akun yang kita miliki ke berbagai sosial media maupun artikel blog, dan jika ada yang membeli produk atau memesan jasa dari rekomendasi kita lewat mengklik link afiliasi yang diberikan maka akan ada bagi hasil yang kita peroleh. Adapun jumlah keuntungan kita dihitung dari berapa persen bagian yang kita dapat dan berapa banyak penjualan yang dapat kita hasilkan.

Di antara yang kami sarankan agar anda mendaftar di layanan afiliasinya seperti, tipshamil.com dan belajaringgris.net – Kedua website ini menawarkan kerjasama penjualan produk ebooknya. Caranya mendaftar dulu sebagai afiliator, setelah itu tinggal copy link keanggotaanmu dan share diberbagai media, seperti FB, Twitter, Blog dan lain sebagainya yang terpenting ada yang mendaftar via link yang anda sebar.

Produk Markup Harga

Sekarang ini, tak punya pabrik, karyawan, ataupun marketing kita bisa seperti punya toko besar. Caranya, cukup tentukan jenis barang apa yang mau kamu jual di internet. Setelah itu, lanjutkan dengan searching di Google berbagai website yang dagangannya sesuai dengan yang telah kamu tentukan. Jika sudah ketemu, tinggal masukkan diblogmu atau akun facebookmu produknya, cukup gambar dan harganya yang sudah kamu naikkan. Lalu bagaimana cara menjualnya? gampang sekali, kalau ada yang mau membeli cukup minta transfer terlebih dahulu dengan harga yang telah kamu set lebih tinggi dari sumbernya, jika uangnya sudah masuk, lanjutkan dengan kamu yang mentransfer lagi ke pemilik produk awalnya dengan harga yang sesuai yang ia tetapkan, tentunya lebih murah. Dan bila sudah dan konfirmasi telah anda lakukan juga, selanjutnya mintalah ia mengirim langsung ke pembeli anda. Dengan demikian anda sudah melakukan bisnis online dengan teknik marketing saja, tanpa pabrik dan karyawan sama sekali. Mudah kan?

Iklan Mandiri di Blog

Terkadang ini banyak dipilih sebagai jalan keluar oleh banyak blogger yang kerjasama iklannya telah diputus oleh google. Dengan menawarkan pemasangan iklan diblog sendiri tentu butuh kerja keras untuk mengirim penawaran ke berbagai usaha, entah apakah itu lewat email atau fb, tapi kelebihannya, bila kita berhasil mendapatkan pengiklan maka akan lebih kuat karena tidak tergantung dengan layanan apa pun, terlebih lagi untungnya 100 persen jadi milik kita sebagai pemilik blog.

Jika ingin berhasil dalam jenis bisnis online ini maka usahakan untuk mengolah dan mengoptimasi blogmu menjadi sebaik mungkin, yakni dengan menulis artikel rutin sebanyak mungkin dan berusaha agar blogmu bisa masuk halaman pertama dalam semua kata kunci yang ditargetkan, caranya tentu harus memperbanyak backlink dengan jalan komentar atau teknik penanaman link di berbagai bentuk web yang memiliki pagerank tinggi.

Twitter Buzzer

Puanya akun Twitter dan punya banyak follower? Nah, kamu harus tahu salah satu jenis bisnis online yang menjanjikan ini, yang mana hanya dengan modal jari dan kurang dari 15 menit sudah bisa menghasilkan rupiah minimal 50 ribu hingga 5 juta, tergantung berapa banyak respon dari followrmu. Sekarang ini banyak artis malah menggeluti bisnis seperti ini, sebagaimana dibahas dalam program 360 MetroTV, bahwa seorang artis bisa mendapat bayaran 5 juta hanya dengan sekali twit saja.

Lalau bagaimana menjalankan bisnis buzzer ini? Ya mudah saja, kalau mau dapat pesanan twit dari perusahaan maka sedapat mungkin berusaha dulu memperoleh banyak follower, semakin banyak maka akan makin mahal bayarannya. Disarankan minimal 100ribu untuk bisa cepat dilirik pengusaha atau instansi. Ada banyak jasa penambah follower tapi saya kira tidak semua bisa dipercaya.

Ada banyak sekali sebenarnuya bisnis online yang menjanjikan dan terpercaya yang bisa anda ikuti, hanya saja selain dari yang sudah disebutkan di atas belum kami jalankan sendiri jadi tidak bisa memberikan rekomendasi dan tipsnya. dan kami kira dengan menjalankan semua yang sudah diungkap di atas sudah lebih dari cukup untuk menambah pundi-pundi anda. Tapi sebaiknya pilih salah satu saja dan fokus jalankan setiap hari agar peningkatannya bisa terlihat cepat.

Langkah yang Harus Dilakukan Agar Mendapatkan Pelanggan

2021-09-09T07:45:00.005-07:00

Mendirikan satu usaha memang sedih bila pelanggan hanya sedikit yang datang.

Padahal, bukti kesuksesan kamu terletak pada banyak sedikitnya pelanggan lho. Untuk itu kamu harus memperhatikan beberapa strategi agar pelanggan kamu banyak yang hinggap dan keuntungan pun akan berpihak pada kamu.

Jangan berkecil hati bila hingga sekarang pelanggan yang kamu punya masih flat – flat saja.

Nah, berikut ada langkah jitu yang wajib kamu lakukan agar pelanggan kamu semakin banyak.

Kreatif dalam Mendesain Produk

Poin ini menjadi hal pertama yang wajib kamu perhitungkan lho.

Pasalnya, seorang pelanggan akan mudah tertarik jika desain produk kamu kreatif dengan berbagai tulisan yang juga menarik.

Jangan sampai poin ini menjadi kendala kamu untuk membuka usaha.

Memang membuka usaha bukanlah usaha yang main – main, karena dibutuhkan modal yang tidak sedikit agar usaha kamu sukses menarik pelanggan.

Nah, untuk itu kamu butuh strategi dimana desain kreatif dari toko kamu supaya kesan pertama yang diambil adalah unik.

Apalagi sekarang konsep cafe, restoran dan tempat lainnya banyak menampilkan kesan berbeda dari biasanya sehingga banyak menarik hati para calon pelanggan mereka.

Tampilan yang unik ini membuat berpuluh – puluh pasang mata banyak yang mengincar tempat – tempat itu.

Mereka pun berbondong – bondong mengambil foto dengan latar belakang cafe dan restoran tersebut.

Media Sosial

Banyaknya pengunjung yang datang ke lokasi usaha kamu maka secara tidak langsung pelanggan telah memberikan peluang kesuksesan sedikit demi sedikit pada bisnis kamu lho.

Pasalnya dengan mengunduh foto – foto hasil hunting mereka, maka orang – orang yang bukan pelanggan kamu akan tertarik untuk berkunjung.

Kamu pun juga bisa memprosikan usaha kamu di media sosial dengan menshare ke berpuluh – puluh orang.

Menariknya kamu tidak terbatas pada satu tempat saja, melainkan bisa ke berbagai negara lainnya.

Ini kelebihan yang ditawarkan medsos kepada usaha yang sedang kamu kembangkan. Kamu tidak perlu repot – repot menyebarkan brosur, hanya cukup menyebarkan link pada beratus – ratus followers atau teman di medsos kamu maka kamu sudah mendapatkan peluang untuk lebih terkenal lagi.

Kualitas Produk yang Baik

Jangan buat pelanggan kamu menyesal telah datang dan membeli produk yang kamu jual.

Oleh karena itu kamu harus memperhatikan kualitas produk yang kamu pegang agar pelanggan kamu semakin melonjak dan mereka pun puas.

Ditambah lagi para pelanggan kamu akan merekomendasikan kepada rekan – rekannya bahwa produk yang miliki berkualitas.

Layanan yang Jempolan

Mempunyai usaha yang banyak pelanggan tentu akan menaikkan rating toko yang kamu kelola.

Tapi jangan sampai usaha ini harus berakhir di tengah jalan gara – gara layanan yang kamu berikan pada pelanggan kurang berkenan di hati mereka.

Jadi, berikan waktu untuk menyapa pelanggan dan luangkan waktu sedikit untuk mengobrol dengan mereka.

Kamu pun bisa menggali informasi mengenai kekurangan dan kelebihan produk. Hal ini dikarenakan supaya di masa akan datang kamu dapat menjadikan kekurangan dari produk kamu menjadi kelebihan.

Usaha kamu pun semakin berkembang karena masukan – masukan dari berbagai pelanggan.

Kesan ramah pada pelanggan secara tidak langsung dapat membuat mereka betah untuk berlama – lama.

Menariknya lagi mereka juga akan mempromosikan tempat usaha kamu karena layanan yang kamu berikan adalah layanan yang jempolan.

Dari kecepatan hingga kemudahan dalam bertransaksi juga harus kamu prioritaskan lho.

Jadi, sudah siap menambah pelanggan kamu?

Pengertian Investasi

2021-09-09T05:39:00.007-07:00

Tahukah kalian, dulu tuh harga big mac tahun 1997 seharga Rp. 4.600. Jadi kalau nge date ke mekdi bawa uang Rp.10.000 udah bisa makan big mac berdua pasangan coba kalau dibandingkan sekarang? Jangankan beli dua, beli satu aja masih kurang uangnya. Bukan hanya big mac saja yang begitu, harga motor Yamaha force one pada tahun 1998 juga Cuma Rp 2 jutaan loh, coba dibandingin sama motor-motor jaman sekarang mungkin di kisaran Rp 12 – 25 jutaan.

Lalu kenapa bisa hal tersebut terjadi? Hal itu disebabkan karena adanya inflasi. Inflasi merupakan suatu kenaikan harga pada suatu barang secara umum dan terus menerus atau bersifat continue. Jadi kebayang ga kalau misalnya kalian ingin beli sesuatu terus kalian nabung. Ternyata setelah kekumpul uang nya, barang yang mau dibeli udah keburu naik harga nya karena inflasi ini pasti nyesek banget deh.

Namun gausah khawatir, karena ada cara untuk kita buat melawan inflasi ini. Yaitu dengan cara investasi, apa sih beda nya investasi sama nabung? Bukannya sama-sama simpen uangya? Terus apa aja jenis investasi untuk kita anak muda? Kok bisa dengan investasi dapat melawan inflasi?.

Pertama-tama kita harus tau dulu nih apa sih pengertian investasi?

Menurut Mulyadi investasi adalah sebuah keterkaitan antara dari sumber - sumber yang dalam suatu periode dengan masa yang panjang untuk mendapatkan hasil keuntungan di masa yang selanjutnya. Menurut pandangan Sadono Sukirno adalah sebuah bentuk dari kegiatan menanam dan mengeluarkan modal, yang digunakan untuk bisa menambah barang keperluan baik dalam hal produksi.

Barang produksi ini nantinya akan digunakan untuk perkembangan usaha dalam bidang ekonomi. Investasi adalah sebuah usaha untuk menanamkan modal yang bertujuan untuk mendapatkan keuntungan di masa yang akan datang. jadi berbeda dengan menabung yang cuma menyimpan uang, investasi itu menanam suatu modal atau dana untuk diambil kembali serta mandapatkan return yang diinginkan.

Apa saja jenis investasi?

Ada banyak instrument untuk kita terutama kaum millennial buat berinvestasi. Seperti deposito, obligasi, reksadana, emas, property, bahkan saham. Semua itu mempunyai keunggulan dan resiko yang berbeda pada setiap instrument.

Lalu kenapa si investasi bisa dapat melawan inflasi?

Untuk menjawab itu kita perlu tahun bahwa inflasi indonesia tahun 2019 kemaren itu sebesar 5,19%. Andai kita berinvestasi dia salah satu insturmen seperti contoh nya di deposito bank dengan bunga sekitar 6-7%. Maka kita bisa mendapatkan return dari investasi sekitar 1-2% dalam setahun. Belum lagi jika kita investasi di saham yang menurut data return dari tahun 2008-2019 itu mencapai 15,54%. Kebayang kan bagaimana untungnya berinvestasi? Jadi buat kalian anak muda yang ingin sukses dalam mengatur keuangan segera berinvestasi.

Investasi Dalam Islam Haram Atau Halal

2021-09-08T06:02:00.003-07:00

Investasi dalam islam haram atau engga sih?

Dalam keadaan ekonomi pada masa sekarang yang cukup beragam dan eksponential, masyarakat terutama kaum millennial perlu menjalankan perencanaan keuangan yang sesuai dengan ideology mereka yaitu agama. Begitu pula dengan investasi, kaum millennial saat ini sangat besar keinginannya dalam berinvetasi. Namun, masih ragu apakah investas ini halal apa tidak dalam kaidah agama islam. So, artikel kali ini kita akan membahas Investasi dalam islam haram atau engga sih?

Dalam artikel sebelumnya, kita udah cukup mengenal nih apa itu investasi? Dan pengaruhnya terhadap inflasi. Sekarang kita mau membahas nih investasi dalam segi agama, terutama dalam segi kehalalannya. Karena banyak yang bertanya investasi itu halal apa engga sih? Bukan nya investasi itu haram ya? Investasi itu kayak judi? Nah maka dari itu kali ini kita bakal membahas investasi dari segi pemahaman agama islam.

Kita harus mengetahui dahulu pengertian dari investasi yaitu adalah sebuah penanaman modal yang kelak akan bermanfaat dimasa yang akan datang. namun bagaimana menurut islam itu sendiri? Ada sebuah ayat dalam Al-Quran yaitu

Surah al-Hasyr ayat 18:

”Hai orang-orang beriman, bertakwalah kepada allah dan hendaklah setiap diri memperhatikan apa yang telah diperbuatnya untuk hari esok (akhirat) dan bertakwalah kepada allah, sesungguhnya allah maha mengetahui yang kamu kerjakan”.

Dalam surah tersebut menjelaskan bahwa ALLAH SWT dengan tegas mengatakan untuk mempersiapkan diri terhadap masa yang akan datang yaitu dengan investasi. Oleh karena itu investasi sebenarnya dianjurkan Allah SWT dalam rangka untuk mempersiapkan diri untuk hari esok. Namun, bagaimana kita bisa tau investasi mana saja yang sesuai dengan kaidah agama islam?

Nah dalam memilih investasi apa yang sesuai dengan kaidah agama islam, pertama kita harus menerapkan islam sebagai Nidham Alhayat (aturan hidup). Dengan begitu kita bisa memilih investasi yang cocok dengan kaidah agama islam yang antara lain sebagai berikut:

Mekanisme nya terbebas dari Riba

Riba adalah sebuah penambahan nilai (Value Added) yang terjadi akibat transaksi dari penjualan barang, baik emas maupun keperluan bahan pokok yang tidak didasarkan atas akad yang sesuai dengan norma syariah. Contoh investasi yang bersifat riba ialah trader dalam saham.

Instrument investasi nya juga harus pasti dan tidak bersifat spekulasi (Gharar)

Gharar adalah sebuah tranksaksi jual beli yang mengandung ketidakpastian/ ketidaktahuan atas kedua belah pihak yang akad nya jual beli nya hanya bersifat spekulasi sehingga dapat melanggar kaidah2 islam. Contoh nya adalah pembelian saham berdasarkan chart grafik (teknikal analysis). Hal itu merupakan sebuah keliru karena chart adalah sebuah hal yang tidak pasti dan hanya bisa di prediksi.

Dan yang pasti halal dan tidak haram

Apa maksudnya halal dan tidak haram? Maksudnya produk yang kalian mau investasi kan harus memiliki mekanisme produksi atau produknya yang sesuai dengan kaidah2 islam. Contoh nya jika kalian menanamkan modal di perusahaan minuman keras (Miras) yang jelas2 produk nya haram dalam islam, ada juga perbankan yang menurut sebagian orang haram karena mengandung unsur Riba.

Nah itu dia beberapa syarat agar investasi yang sesuai kaidah islam yang cocok kalian pilih, sebenarnya masih banyak lagi syarat investasi dapat dikatakan halal dan tidak haram. Jadi kesimpulannya investasi itu halal asalkan kalian dapat menjalankannya proses nya sesuai dengan kaidah2 islam yang membuat kalian tenang dalam hal kehalalan dan juga bisa mendapatkan cuan untuk kita semuaa. Jadi, ayo berinvestasi sekarang juga!!

5 Aplikasi Edit Video Terbaik Untuk Android

2021-09-07T05:05:00.000-07:00

Pada saat ini, perkembangan teknologi informatika dan komunisaki semakin berkembang pesat khususnya pada abad ke 21 ini. Dan berkembang pula sebuah handphone smart (smartphone) yang bahkan bisa melebihi komputer dan laptop.

Banyak sekali aplikasi smartphone yang bisa digunakan menyaingi bahkan melebihi aplikasi komputer. Nah, yang ssaya bahas kali ini adalah, beberapa software aplikasi android untuk editing video. Dalam penyuntingan video menggunakan smartphone tentunya tidak akan seefektif menggunakan komputer. Mengapa? karena salah satunya adalah dimensi layar yang kecil dibandingkan PC atau Laptop.

Tapi, aplikasi editing video terbaik untuk android ini tidak kalah saing dengan aplikasi PC, terutama pada kelengkapan fiturnya.

Baiklah, silahkan simak beberapa aplikasi android untuk penyuntingan video dibawah ini.

VivaVideo

Aplikasi yang satu ini sudah cukup populer dikalangan para pengguna smartphone saat ini. Selain mudah untuk digunakan, aplikasi ini memiliki fitur yang cukup lengkap dengan berbagai macam efek maupun layout video yang hendak kita sunting.

VivaVideo memiliki lebih dari 200 filter yang sangat menarik, serta aplikasi ini mendukung untuk menginput teks dan berbagai macam efek dan yang istimewanya adalah kalian bisa membuat video slow motion maupun fast video dengan aplikasi ini.

FilmoraGo

Aplikasi yang satu ini juga cukup populer, FilmoraGo merupakan adik dari Wondershare Filmora yang merupakan aplikasi editing video terbaik untuk PC. FilmoraGo tidak kalah saing dengan Wondershare Filmora yang merupakan versi PC nya, aplikasi ini memiliki banyak layout, filter, efek, dan juga mendukung video slowmotion dan fast video.

Aplikasi ini memiliki transisi yang menarik dan back sound pilihan yang sudah si sarankan oleh FilmoraGo. Perlu kalian ketahui, aplikasi ini sudah di download dan digunakan oleh 10 juta user loh.

Adobe Premiere Clip

Aplikasi yang satu ini agak beda dengan yang lain nya, jika aplikasi yang lain hanya bisa digunakan untuk menyunting video secara manual, aplikasi ini bisa menyunting atau mengedit video dengan cara otomatis. Kalian hanya menginput foto maupun video untuk dijadikan video yang sudah jadi dilengkapi dengan backsound.

Adobe Premiere Clip hampir sama dengan Wondershare Filmora versi PC yang memiliki fitur editing otomatis. Adobe Premiere Clip juga memiliki kakak yang merupakan aplikasi editing video versi PC dengan nama Adobe Priemere Pro.

Kine Master

Kine Master sedikit berbeda dengan aplikasi editing video android yang lain nya. Aplikasi ini sudah seperti aplikasi versi PC atau Laptop. Kalian bisa memasukan beberapa video sekaligus untuk di sambungkan. Ditambah layout, efek, dan fitur fitur lain nya yang juga sangat lengkap.

Aplikasi ini cocok digunakan untuk para profesional. Tapi ingat, para profesional juga bermula dari seoran newbie (pemula) atau amatiran. Yang membuat mereka menjadi profesional adalah pengalaman yang lebih banyak dari pada seorang amatiran.

VideoShow

Memang saya akui, aplikasi ini belum sebanding dengan Adobe Premiere Clip yang sudah memiliki fitur lengkap. Namun aplikasi ini sangat cocok untuk para pemula, karena aplikasi ini memiliki fitur standar yang sangat sangat mudah digunakan.

Walaupun standard, VideoShow memiliki berbagai macam sticker, efek, layout, teks dan tema yang menarik yang memudahkan anda membuat video menjadi menarik.

Demikian 5 aplikasi editing video terbaik versi android yang bisa saya ulas. Kenapa hanya lima saja yang saya sebutkan ? karena seperti yang tertulis pada judulnya, saya hanya merekomendasikan aplikasi aplikasi penyunting video untuk android hanya yang terbaik dan termudah untuk kalangan siapa saja. Sebenarnya banyak sekali aplikasi editing video android yang bisa kalian gunakan.

Tips dan Trik Memilih Usaha Waralaba Yang Menguntungkan

2021-09-06T03:37:00.003-07:00

Semakin meluasnya para pencari kerja membuat sebagian orang langsung memutar otak untuk mencoba peluang usaha bisnis.

Walaupun memang tidak sesuai dengan latar pendidikan namun ketika ambisi untuk menjadi seorang pengusaha kuat maka kamu pun tidak bisa menolaknya.

Apalagi angka pengangguran sekarang tidak lah sedikit. Percaya atau tidak title seorang sarjana saja tidak lah cukup untuk menarik perhatian para petinggi perusahaan.

Kamu harus memiliki modal utama, yaitu sejuta pengalaman yang tentunya akan mempermudah kamu untuk melangkah masuk ke satu perusahaan bergengsi.

Tapi untuk mendapatkan penghasilan yang berlimpah tidak mesti bekerja di perusahaan kok.

Kamu juga bisa membuka bisnis dengan modal yang tidak seberapa namun hasilnya melimpah.

Tapi ingat kamu harus benar – benar selektif memilih usaha seperti apa yang dapat memberikan kamu keuntungan.

Salah satunya saja usaha waralaba yang sekarang sudah sangat menjamur dimana – mana.

Usaha ini sudah diminati para anak – anak muda juga lho. Nah, berikut tips dan trik memilih usaha waralaba yang menguntungkan.

Apa itu Usaha Waralaba?

Menurut Wikipedia, waralaba berasal dari bahasa Inggris yang berarti franchising dan bahasa Perancis, yaitu franchise yang dua – duanya mengartikan hak atau kebebasan untuk menjual suatu produk atau jasa maupun layanan.

Usaha waralaba di Indonesia sendiri sudah berkembang pesat.

Banyak masyarakat terutama kalangan anak muda yang berusaha membuka peluang bisnis di bidang kuliner, misalnya saja cafe – cafe yang menawarkan makanan dan minuman ciri khas mereka.

Namun, bisnis waralaba tidak hanya sekadar seputar kuliner saja, kamu pun bisa membuka usaha jasa pencucian, dry cleaning ataupun cuci kilat lho. Selain itu masih banyak lagi bisnis waralaba yang tentunya menguntungkan.

Sesuaikan dengan Kesenangan / Hobi

Sesuatu yang dilakukan dengan dasar kesenangan atau hobi lebih nyaman dan menyenangkan untuk dijalani.

Pekerjaan akan tampak mudah dan mood kamu akan lebih terjaga lho.

Hasilnya tentu saja sesuai dengan usaha yang telah kamu jalani. Bila kamu kerjakan usaha ini dengan maksimal, maka hasilnya pun maksimal.

Jangan memilih usaha bisnis yang memang tidak sesuai dengan hati nurani kamu atau pun memang bukan lah kesenangan yang kamu punya.

Usahakan untuk tidak latah atau pun ikut – ikutan hanya karena usaha jenis tersebut sedang marak – maraknya. Bukan berarti usaha sama lalu kesuksesan pun sama.

Sesuaikan dengan Modal

Poin utama untuk membuka usaha waralaba adalah modal. Ini merupakan hal yang wajib kamu lakukan.

Jadi ketika modal kamu tidak lah seberapa maka jangan memaksakan kehendak kamu hanya karena ingin mendapatkan keuntungan yang berlimpah.

Hal ini akan membuat kamu merugi jika usaha waralaba dilakukan dengan modal yang dipaksakan dan hasilnya pun kurang bagus.

Jangan sampai kamu menyesal di kemudian hari.

Ya, walaupun mendapatkan modal utama kamu bisa melakukan pinjaman di bank atau di cicilan dan sebagainya tanpa harus membebani anggaran bulanan kamu.

Harga yang Terjangkau

Salah satu cara untuk menarik perhatian pelanggan adalah menawarkan harga produk yang tidak terbilang mahal.

Kamu harus memperhatikan harganya sebelum menetapkan dan menjual produk di pasaran.

Sudah banyak terbukti dengan memasang harga yang lumayan membuat dompet jebol ini akan kurang diminati calon pelanggan.

Kamu harus benar – benar mempertimbangkannya. Harga jual yang tinggi maka otomatis produk kamu akan sedikit lakunya.

Lokasi yang Strategis

Ibarat kata posisi seorang siswa dapat mempengaruhi kepintarannya, maka begitu pula yang dilakukan seorang pengusaha waralaba.

Memilih lokasi yang tepat akan meningkatkan nilai penjualan dan pelanggan kamu lho.

Cara Memanfaatkan Media Sosial Dalam Mengembangkan Bisnis

2021-09-06T01:24:00.002-07:00

Banyak dampak positif dari menggunakan media sosial.

Dari sekian banyak, memperbanyak teman atau kenalan di seluruh dunia juga menjadi kunci utama dalam menggunakan medsos.

Tapi tidak sedikit juga yang memanfaatkan jejaring sosial ini sebagai media untuk berbuat kejahatan.

Contohnya saja banyak kasus kejahatan yang telah merenggut nyawa seseorang.

Tapi kita tidak bisa memungkiri juga bahwa lebih banyak dampak positif yang dibawa oleh media sosial ke kehidupan kita.

Dari menggunakan media sosial kamu dapat memperbanyak kenalan sekaligus mendapatkan keuntungan.

Misalnya saja mempromosikan satu produk yang sedang kamu kembangkan.

Selain memasarkannya di kehidupan nyata, kamu juga perlu memasarkannya di kehidupan maya juga lho.

Lagi pula menggunakan jejaring sosial dalam mempromosikan satu produk kamu tidak perlu repot – repot harus turun ke lapangan langsung.

Cukup bermodalkan kamera, laptop dan jaringan internet yang kuat kamu sudah bisa memasarkan produk.

Nah, untuk itu kamu harus mengetahui beberapa macam cara memanfaatkan media sosial dalam mengembangkan satu bisnis supaya tidak salah langkah.

Respon yang Positif

Mempunyai haters tidak lah selalu membawa efek negatif pada kamu. Justru dengan hadirnya mereka yang selalu nyinyir mengomentari setiap unggahan foto yang ada di akun media sosial kamu, maka akan menumbuhkan aura positif juga lho.

Setiap unggahan foto brand yang kamu kendalikan sekarang ternyata banyak dikomentari negatif oleh para follower, jangan lantas membuat kamu naik pitam dan down.

Kehadiran mereka di setiap unggahan foto tersebut secara tidak langsung akan menghadirkan komen – komen positif dan negatif.

Oleh karenya tindakan yang benar ketika kamu sudah mendapatkan perlakuan seperti ini, yaitu tanggapi lah dengan aura positif pula.

Dengarkan semua apa yang dikatakan oleh para follower atau konsumen.

Tidak semua komentar negatif menjatuhkan kamu, ambil sisi positif dengan menjadikannya sebagai masukan yang bisa menambah brand atau produk kamu semakin baik lagi.

Media Komunikasi

Membangun komunikasi dengan konsumen atau follower sangat perlu kamu tekankan. Jawab dan respon dengan menggunakan bahasa yang baik dan ramah.

Ini akan membuat citra kamu sebagai penyedia produk baru akan semakin dikenal.

Kalau pun ada permasalahan yang menyangkut brand kamu, maka jangan malu untuk meminta maaf.

Memperluas Koneksi

Banyak dampak positif dari menggunakan jejaring sosial. Dengan menggunakan media ini sebagai alat untuk mengembangkan dan mempromosikan brand kamu, maka ruang lingkup yang dituju bisa saja jadi lebih luas dari perkiraan kamu sebelumnya.

Mengingat para pengguna media sosial tidak hanya di Indonesia saja.

Bahkan hingga luar negeri pun bisa kamu jangkau asalkan dengan cara yang tepat.

Kamu bisa menggunakan hashtag atau tagar ketika akan memposting sebuah produk andalan yang sedang kamu kembangkan.

Jadi bijak lah dalam menggunakan media sosial sebagai strategi pemasaran.

Hal ini tentu akan membuat koneksi kamu semakin luas. Produk kamu pun akan semakin banyak dilihat oleh para follower atau pun konsumen di media sosial.

Mempromosikan Brand / Produk melalui Konten

Jika kamu adalah orang yang rajin menggunakan media sosial, maka cara ini bisa kamu gunakan untuk melakukan pemasaran.

Gunakan lah konten – konten yang berkualitas agar para follower dan konsumen semakin banyak dalam mengetahui bisnis brand yang sedang kamu kembangkan sekarang.

Konten tersebut bisa didapatkan dari berbagai artikel yang berhubungan langsung dengan produk / brand kamu.

Perbedaan Bisnis Online dan Bisnis Offline

2021-09-05T22:43:00.005-07:00

Persaingan dalam mencari pekerjaan di akhir – akhir ini memang sangat lah sulit.

Modal gelar dan penampilan saja tidak cukup untuk dapat menempatkan kamu di posisi yang layak.

Setidaknya kamu pun harus memiliki segudang pengalaman pendukung yang tentunya nanti akan mempermudah kamu untuk bekerja.

Tidak mau, kan setelah diterima di pekerjaan kamu justru hanya diam dan tidak tahu harus berbuat apa?

Dengan kesusahan lowongan ini lah orang – orang lebih banyak banting stir membuka usaha bisnis offline dan online.

Banyak dari mereka memutuskan untuk membuka bisnis online di rumah.

Selain tidak mengurangi waktu bersama keluarga, peluang bisnis kamu bisa dilihat oleh orang – orang dari segala wilayah Indonesia lho.

Lalu apa saja perbedaan bisnis online dan bisnis offline?

Tidak Terikat oleh Waktu

Setiap usaha yang kamu pilih memang mempunyai kelebihan dan kekurangan tersendiri.

Misalnya saja pada bisnis online yang lebih menawarkan kepraktisan dan kenyamanan tanpa perlu repot.

Kamu pun bisa buka selama kurang lebih 24 jam sehari tanpa harus keluar dari rumah. Cukup menggunakan media sosial seperti Facebook, Twitter, Path, Instagram dan lainnya sebagai media utama untuk menjual produk dagangan kamu.

cukup bermodalkan website bisnis online maka kamu pun bisa bekerja di rumah tanpa harus pisah keluarga.

Namun, ini berbeda dari bisnis offline yang mewajibkan kamu untuk selalu stand by di tempat dengan waktu kerja kuang lebih 8 jam sehari.

Belum lagi jika tanggal merah dan hari libur pun kamu harus rela membuka usaha bisnis kamu agar selalu ramai pengunjung.

Modal Utama

Tidak sedikit untuk membuka usaha bisnis offline. Selain modal utama yang relatif mahal juga membutuhkan persiapan yang benar – benar matang.

Ditambah lagi kamu juga harus mempersiapkan barang yang akan dijual yang sekaligus membutuhkan modal yang tidak sedikit.

Lain halnya jika kamu memilih untuk berbisnis secara online.

Bisnis dengan cara ini tidak memakan biaya banyak layaknya bisnis offline.

Yang kamu butuhkan hanya lah sebuah website sebagai wadah untuk memasarkan produk yang akan dijual dengan menggunakan website gratis.

Bahkan jika kamu menginginkan website perbayar pun sudah disediakan dengan bermacam – macam harga yang tentunya tidak akan terlalu menguras isi kantong kamu.

ini bisa dikatakan bahwa membuka usaha bisnis online lebih murah jika dibandingkan dengan bisnis offline.

Tenaga Kerja

Seperti yang sudah dijelaskan bahwa untuk membuka usaha bisnis offline dibutuhkan pemikiran yang benar – benar matang.

Hal ini dikarenakan usaha semacam ini paling tidak membutuhkan tenaga kerja yang tidak sedikit untuk membantu kamu menyiapkan toko sebelum dan sesudah menjual barang dagangan kamu.

Tapi di bisns online kamu justru bisa menyiapkan semua itu tanpa perlu adanya bantuan dari tenaga lain.

Cukup melakukan semuanya seorang diri pun toko usaha bisnis kamu akan tetap berjalan.

Pemasaran

Bagi kamu yang ingin membuka usaha, bisnis online akan menjadi solusi baik yang tidak akan merepotkan.

Kamu tidak perlu mengorbankan waktu dan tenaga hanya untuk mencetak brosur dan menyebarkannya ke orang – orang di jalanan supaya toko kamu akan ramai pengunjung.

Kamu hanya perlu melakukan pemasaran melalui media sosial yang sudah kamu miliki untuk membagikan semua produk andalan kamu.

Tapi ingat, usahakan untuk membedakan akun media sosial pribadi dan non pribadi ya.

Tips dan Trik Mencari Kerja Online Agar Tidak Tertipu

2021-09-05T21:07:00.006-07:00

Saat ini adalah zaman yang yang serba mudah dan modern, semua-semua dilakukan secara online apapun itu benar-benar sangat dimudahkan.

Dengan adanya kemudahan seperti ini jadi sangatlah membantu, tapi tak banyak juga orang yang merasa kesulitan dengan sistem serba online ini.

Mengapa demikian?

Karena mereka telat atau takmau belajar memahami apa itu internet.

Sebab itu, kita harus mendidik diri sendiri untuk bisa bergerak maju mengikuti sistem zaman sekarang.

Apalagi mengenai pencarian kerja secara online, sudah banyak sekali. Itu juga sangat memudahkan semua orang, karena tidak harus melamar dari satu tempat ke tempat lain.

Cukup dengan membuka aplikasi pencari kerja kemudian mengirimkan berkas melalui email.

Nah, ini harus sangat berhati-hati karena perusahaan-perusahaan yang bersifat online tidak selalu benar ada juga yang berniat hanya untuk menipu para pencari kerja.

Ini ada tips dan trik agar mencari kerja online tidak tertipu.

Identitas Perusahaan

Dalam hal ini,pastikan identitas perusahaan dulu seperti apa, jangan sampai kita langsung mengirimkan berkas tanpa tahu identitas perusahaan tersebut.

Kunjungi situs webnya jika perusahaan itu mencantumkan alamat website resminya.

Situs Resmi Pencari Kerja

Lakukanlah transaksi untuk masalah mencari kerja online, dari sekian banyak perusahaan yang membuka lowongan pekerjaan tidak menutup kemungkinan untuk ada perusahan nakal.

Jika diawal sudah dimintai dana untuk administrasi terlebih dahulu lebih baik jangan dilanjutkan.

Karena situs pencari kerja tidak memungut dana sepeserpun, sama dengan perusahaan yang meminta uang di awal lebih baik jangan diberikan.

Dengan begitu mereka akan senantiasa memeras anda sewaktu-waktu. Dengan dalih anda masuk ke dalam step selanjutnya.

Keputusan Mundur

Jika sudah mentok atau sudah dipepet oleh perusahaan untuk memberikan uang lebih baik anda menghindar dan menjauh bahkan jika perlu laporkan ke pihak berwajib dengan alasan penipuan.

Selain itu banyak juga situs resmi yang berfungsi untuk pengaduan para pencari kerja.

Menelaah Perusahan

Mencari informasi mengenai rate atau penilaian mengenai perusahaan tersebut, melalui info tersebut kita dapat mengetahui seberapa bagus perusahaan itu dan ulasan dari beberpa pelamar yang sudah terlebih dahulu melakukan langkah-langkah di perusahaan itu.

Lokasi

Jika saat ada panggilan interview di salah satu lokasi yang menurut kita ragu dan gak sesuai yang tertera maka ta harus waspada.

Apalagi lokasi yang sepi dan tidak ada karyawan lain.

Setidaknya kita jangan sendiri tapi ada temannya agar dapat membantu kita dikala ada masalah.

Mesin Pencarian

Jangan mencari di mesin pencarian. Karena mesin tidak tahu perushaan asli atau yang bodong alias tipu-tipu.

Karena sudah banyak yang tertipu dengan hasil pencarian dari mesing dengan kata kunci “lowongan kerja tahun 2017” atau keyword lainnya.

Begitulah karena banyaknya orang yang membutuhkan perkejaan jadi banyak yang memangfaat moment tersebut untuk menambah penghasilan dengan modal nama perusahaan yang sedang membuka lowongan pekerjaan.

Padahal zaman sekarang ini sudah banyak orang yang cerdas dalam memilih dan memiliah lowongan ekerjaan.

Apalagi sudah ada juga situs resmi yang menghadirkan atau memberikan pelayanan mengenai lowongan pekerjaan dari berbagai macam perusahaan ternama.

Baik di kota besar atau di berbagai daerah yang memang membuka lowongan pekerjaan segera untuk mengisi posisi yang kosong.

Tapi tetaplah waspada jangan sampai tertipu.

Karakter Yang Cocok Untuk Perang Jarak Jauh di Free Fire

2020-06-01T07:39:00.012-07:00

Ketika bermain game free fire tentunya terdapat banyak sekali senjata yang bisa kita pakai. Berbagai senjata tersebut juga memiliki fungsi yang berbeda ada yang untuk perang jarak dekat ada juga yang di desain untuk perang jarak jauh. Senjata yang dipakai untuk perang jarak jauh itu adalah senjata Ar Sedangkan untuk jarak dekat itu player biasanya menggunakan senjata SMG ataupun shotgun.

Bagi kalian yang sangat sering bermain free fire dengan perang jarak jauh maka kalian dapat menggunakan 3 karakter ini. Dan karakter ini sangat kami rekomendasikan karena akan membuat kalian mencapai kemenangan.

Berikut karakter yang cocok untuk perang jarak jauh di Free Fire.

Laura

Karakter Laura dapat meningkatkan akurasi hingga menggunakan sikap 10% bahkan 30% ketika menggunakan skill sharp shooter. Maka dengan skill yang cukup bagus itu tentunya Bila kalian menggunakan karakter ini maka tembakan kalian itu akan mengenai target dengan tepat karena ketika menggunakan Scope akan menjadi lurus dan mengenai musuh tanpa takut seluruh kalian akan berpencar.

Moco

Ketika musim yang tertembak dari jarak jauh itu tentunya akan mencoba mencari obstacle atau bangunan yang bisa melindungi mereka. Tetapi tidak jarang juga hal tersebut malah membuat kita akan kehilangan mangsa karena kita akan kebingungan memprediksi kemana pergerakan atau pergerakannya dari obstacle.

Oleh karena itu kalian dapat menggunakan karakter muka yang memiliki skill bernama hacker i fungsinya itu dapat menandai musuh dalam beberapa detik yang tentunya akan membuat kita itu lebih diuntungkan karena dapat mengetahui musuh dalam jarak jauh dan memprediksi kemana pergerakannya tanpa harus takut kehilangan bidikan.

Rafael

Ketika kita menggunakan karakter Rafael dan menggunakan skillnya maka tanda tembak sembunyi dalam beberapa detik dan berkat skill Dead Silence. Nah dengan begitu, kita tidak perlu takut lagi untuk menembak musuh karena kita sudah memiliki tanda-tanda yang tersembunyi.

Dan karena kita juga tidak terlihat di Mini map maka itu dapat membuat musuh kebingungan Dari mana asal tembakan. Namun perlu diperhatikan yaitu ketika menggunakan Rafael ada baiknya kita menggunakan sniper agar musuh kita itu tidak bisa berkutik lagi.

Itulah karakter yang paling cocok digunakan untuk Perang jarak jauh di free fire. Apakah kalian Ada pendapat lain tulis di kolom komentar.