Co-operative Education and Infomation

Cooperative Business Financing Sources

2011-05-01T06:31:00.004+07:00

Business financing related to the stages of business development. In other words, for every stage of business development, require different financing sources in accordance with the level of development and maturity level of business.

For example, new business starts and has not accumulate any assets can not be financed by the bank (because not yet have a track record of business and not have assets of over credit guarantee / collateral), but could be financed from own capital or equity partnership with another party who considers business is feasible.

So, in essence, financing is also a "tool" to develop a business (as a legal entity), where the most basic things is actually the ability to manage the business in accordance with business plans that have been made.

Here is a model that describes the mindset of business financing needs, whether from its own capital, or from investments / loans of others, since the business didinikan to business development in subsequent stages, from an investment standpoint. For further explanation the following is more detailed explanations one by one the characteristics of the financing system is:

Equity
Given the financing sources of equity capital is owned by himself, of course, its use is very flexible terms (up to the entrepreneurs concerned), although there are some guidelines as follows:
1. Often, self-financed effort tends to encourage concerned enough to not be careful in using the funds, since they do not need to be accountable to anyone.
2. As new entrepreneurs start businesses, often owned by limited capital, but any kind of business requires some capital to achieve scale economies of scale business, so most employers have not been able to meet its capital needs from their own capital only in starting a business.
3. In addition, capital itself is often required as a reserve fund for consumption at the time the business has not been generating revenue for a while for one reason or another.

Saving and Credit Cooperative Financing
Cooperative Savings and Loans (KSP) is essentially self-financing (in accordance with the principles of cooperatives), which was built by a group of people who have similar interests. Nevertheless, the KSP is being developed by government regulatory systems to be able to become a vehicle for an alternative financing system for SMEs. Several important developments of the KSP are:

1. KSP to gather funds from non-members (other parties) either in the form of investments and in loans, to increase the ability of KSP in gathering funds under management to improve loan services to members and the community.

2. Employers who want to borrow funds from the cooperative should be a member in order to take possession of the rights of the wider as members, by meeting the obligations as a member of, among others, mandatory savings deposit funds.

3. Furthermore, based on business plans that are considered feasible, an entrepreneur can borrow funds to the cooperative in return for loans or interest-shaped form of profit sharing.

4. Conditions other than a proper business plan (collateral for the loan / collateral, the proportion of own capital to finance / self-financing, etc.) are not governed by the regulations but defined itself through a meeting of members (more flexible), with the intention of creating accessibility of SMEs to financing, much better than the banks.

5. Based on their characteristics, segments suitable to be financed KSP is a newly started business, requires relatively little capital, and are relying on the ability / competence of the entrepreneur in question rather than relying on capital.

6. In addition the government has a program revolving fund will be channeled through the KSP are described further in the Facilitation of SMEs by the Government.

Venture Capital Financing
Venture Capital Financing is basically an institutional investor, who should distribute the funds in the form of inclusion, not in the form of loans so that the form of cooperation is to share profits and losses (profit-loss sharing).

What is unique of venture capital compared with other investors are, according to regulations, venture capital limited period of its investment in a company, so that at certain times of venture capital will sell rights to their capital investments to other parties, diinana difference between the initial value of investments and the current value rights sold its shares of capital is a source of profits (in the form of capital gains).

To obtain financing and venture capital needs to be done by employers are as follows:
1. Preparing a proper business plan, in which standard operating profits deemed appropriate by the venture capital is higher than the specified bank (because the financing is considered more risky than banks in the form of profit-loss sharing), with the idea to cover the total level of risk financing, which succeeded and failure.

2. If deemed feasible to be financed, venture capital will put the officer as a supervisor and promoter of the business concerned, because basically the form of investments in venture capital funding so that its position is no different with the owner of the company itself, namely as an entrepreneur.

3. At any given time along with relevant business development, venture capital investments will sell the rights to another party with price calculation based on a specific calculation method, the first priority is offered to entrepreneurs concerned.

4. Based on the characteristics, costs (cost of money) on venture capital financing is more expensive than the banks, so that the segment that is suitable for venture capital funded business segment which is decent but not yet accepted by the banks (but not bankable feasible)

Bank Financing
Bank financing is basically a relatively conservative financing (the distribution of funds with terms that tend to be tight), which is understandable considering the banking position as manager of public funds and must protect the interests of society as a store of funds (not allowed to channel funds into the risky business sector high).

To obtain financing from banks that need to be made by employers are as follows:
1. Preparing a proper business plan, where the business is not a new business but should have been run for several years.

2. In addition to the business plans Iayak, another requirement is primarily collateral for the loan / collateral is generally worth 100% or more of the value of loans and the proportion of own capital to finance / self-financing is generally worth 30% or more of the total financing of the business plan.

3. If deemed feasible and meets the requirements, banks will provide funds in loans in return for interest on loans or for the results (Islamic banks), although not because it is pure profit sharing profit sharing, and not about the loss sharing.

4. Based on their characteristics, segments suitable to be financed by a bank is a business that has been run, will cost loans to expand business (not a new business), and have hard assets (precious things) for collateral.
Factoring FinancingFactoring financing needs to be developed by empowering KUKM because it has unique characteristics and needs of SMEs, especially by SMEs that have been running well and needed financing to grow their business but do not have hard assets (precious objects), which is enough to guarantee.

To obtain financing from factoring financing institution needs to be done by employers are as follows:
1. Preparing a business plan that Iayak, where the business is not a new business but has been well proven by the good level of product sales.

2. Factoring financing basically not the form of loans or equity participation in the form of buying and selling but the entrepreneur assignment to another party, where bills not yet due when the business concerned immediately require funds to operate or grow better.

3. If the bill is considered reasonable (not too risky) to be purchased, the factoring agency will bid to purchase the assignment is worth less than 100% invoice value, whereby the difference of value bills and purchase value assignment is the source of profits.

4. Based on their characteristics, segments suitable to be financed by the agency factoring is a business that has been run, will cost loans to expand businesses, and has no hard assets (precious objects), which is enough to guarantee, but has a lot of accounts.

How to Make a Funding Proposal
If you want to propose a financing, the entrepreneur must be able to deliver on the owners of capital on the business carried on with sufficient clear and convincing. The best way to do that is by making a written funding proposal is good, which will describe all the related information in a structured way. Although a good funding proposal is pretty time consuming work and power, but hard work will give a worthwhile result. Making a good proposal will give the borrower or investor concerned that employers really understand the work done and its needs, in this case the need for capital. These proposals should be complete but concise and structured.

Instead, the proposal is to answer common questions asked by investors and give a convincing picture of the business. However to note, that picture is a way to convince the presentation of the company as it is, do not go overboard or make statements that are not true.

Statements that are not actually going to make it difficult in the future and will surely be questioned by investors. It is better if considered for use support services and other parties to prepare a funding proposal is to obtain better results.

The structure of financing proposals in general are as follows:
1. Title proposala. write down the related financing is aimed at what the business development.b. names, addresses and phone / fax / e-mail contacts can be contacted.
2. Overview of business basically, this section describes the business plan, the scope of its contents have been described in the above way of writing the business plan, once again basically include:a. marketb. productsc. production systemd. stages of business developmente. business managerf. business financeg. business profile
3. Business performanceIn this section, considering the business has been run (except for new businesses) must be presented achievements for this through measures of business performance, especially considering the financial performance mi intent is to request financing proposals, including:a. Analysis of internal cost recovery / IRR (Internal Rate of Return), The return of investment / ROL (Return on Investment), return of assets / ROA (Return on Assets)b. Bnalisis Profit Margin (percentage rate of profit per product sold)

4. Information needs financing / investment, including:a. Basic / reason for the financing needsb. Detailed information on financing needs, including: i) the purpose of financing, forms of financing (equity, loans, or for the results) the amount of financing, the financing, and details the use and allocation of financing planned. ii) Prediction of the flow of new cash, including repayment schedule / installments of the loan if the financing provided by the individual. iii) the prediction gain new business if the financing provided by the individual. iv) analysis of the ability of return / installment financing, the form of IRR analysis of the financing, where financing is considered feasible if IRR is relatively higher than the interest or profit margin financing.

5. Financial information, including:a. financial statements, including: i) the consolidated balance sheet, should report the last 3 years if the age of the company has more than 3 years running. ii) the company's income statement, you should report the last 3 years if the age of the company has more than 3 years running. iii) report tax payments, should last 3 years if the age of the company has more than 3 years running.b. information forms, status and value of assets that can be secured (collateral)c. personal financial statement if necessary

6. Supporting information, including:a. attachment data bank account that is used as a place to open an account for businessb. attachment data bank contract that has provided financing facilityc. attachment data contract other financing sourcesd. attachment data debt contracts / accounts receivable.

Could Build Giant Cooperative

2011-05-01T06:25:00.003+07:00

Is it possible to build a giant cooperatives or cooperative-owned conglomerate? This question is, can mean "the possibility of building a giant cooperative that (only) is owned / member conglomerate", but can also mean "the possibility to build a giant cooperative" and / or "the possibility to build a cooperative owned / member conglomerates", in 2 sense separately. To be able to understand about the various possibilities that we need to understand one of the universally accepted cooperative principles.

One of the principles of cooperatives according to Law No. 25/1992 regarding cooperatives are "voluntary and open membership." This principle is similar with the first principle of ICA Cooperative Identity (ICIS = 1CA Cooperative Identity Statement) in 1995 which states "voluntary and open membership" (Voluntary and open membership) with the explanation: "Cooperatives are voluntary associations / open to all who are able to use association services and are willing to accept the responsibilities of membership / without gender, social, racial, political or religious. "

People can not be forced into cooperatives, but the will of its own (voluntary). In addition there is a need that is felt (felt needs) in general terms of the economy (but also in terms of social / cultural), who are members expected to learn and understand the values and principles of cooperatives, so that when a member can be involved in full, whether as owners, financiers, service users or supervisors. In addition, cooperative membership is also open to anyone and can utilize the services of cooperatives, and on the other hand those who become members must also be willing to accept responsibility, as owner, among others, participate in decision making and overseeing its implementation, providing capital and using services -services cooperatives. Thus anyone who is willing to use the services of the cooperative and has fulfilled its obligations should not be denied membership, on the grounds of religion, social, racial or political.

With the provisions / principles of the membership is not a problem that the cooperative had become the property tycoon, in the sense that co-founded / consisting of conglomerates, and then a giant one, as long as their activities remain in the "corridor''Cooperative, which among other states: i) Only cooperative that aims to serve the needs of its members and made great efforts to prove / implement the objectives was
called, is a cooperative that is in the corridor of the cooperative. ii) The relationship of business / customer transactions with non-members can only be accepted, if the transaction is a business side and its main purpose, namely to serve members, as well as to attract new members. In this connection the cooperative goal is to make customers are not a member become a member (Munkner/2001).

Although the principle of "voluntary and open membership" is open to conglomerates to set up a cooperative, but there are some records that need attention: i) In principle it is open whether the conglomerate is also willing to accept members of the group rather than a conglomerate? ii) If willing, if the conglomerate also willing if their rights are not equated with conglomerates. For example, the voting rights of "one member one vote" as a reflection of "democratic supervision"?

Yet more than just a reason related normative principle of "voluntary and open membership", which allows the conglomerate to form cooperatives, need to be questioned more substantive reasons, about their motivation for cooperatives. In general, people latarbelakangi by the limitations of cooperatives in its access to sources of economic / financial, which are difficult to overcome alone, so need an organization that unites the power of small / weak to be able to overcome the obstacles: What to obtain sources of capital, obtain raw materials for production processes, or market their products. Even the motivation of members of cooperatives are not only limited to ekonorni, but also thrive on political motivation. With a membership large enough to affect the cooperative (as a pressure group) government policies, even the world organization, as indicated members of the Japan Agricultural Cooperatives and South Korea. So what motivated the conglomerate set up a cooperative, while they already have everything: access to capital sources, marketing (not at the national and international) technology, even to the centers of policy / political state.

Cooperative For Giant Company
About the cooperative can develop into a giant company, the answer is clear: it is possible. In October 2007, in his General Assembly in Singapore, ICA has launched its list of 300 world-class cooperative (Global 300 List, 2007) which contains 300 giant cooperatives, the business volume (turnover) of IDR 654 million and with assets of IDR 467 million to turn over IDR 63 449 million and assets of IDR 18 357 million (Zen Noh). Cooperatives that included a list of 300 cooperatives are generally cooperative world-class national level that operates internationally, some of whom are older than a century. However, their main target was fixed at the individual service member. Go-300 cooperatives comprising various types: financial services (banking, insurance, credit union) as much as 40%, agriculture (33%), retail / wholesale (25%) and the rest of the cooperative health care, energy, manufacturing, media and so on. Some of them are, even the giant company's list of world-class version of Forbes or Fortune with pemsahaan multi-national companies, among others, cooperative bank Credit Agricole (France) and Rabobank (Netherlands), Land O'lake (dairy cooperative, United States) .

At the level of developing countries, in equal opportunities in Singapore, the ICA also launched a large list of cooperatives in developing countries, (Developing 300 Project) with the size of the business volume of IDR 512,000 and assets of IDR 399,000 to USD 504.681 million in business volume and asset amounted to IDR 222,893,000. In this list each developing country in Asia, Africa and Latin America donated five large cooperatives. Unfortunately, co-operatives from Indonesia do not have a go, but if viewed from the volume of business and its assets, there are some decent cooperatives included in this list. Such Pekalongan Services Cooperative, its business volume reached IDR 5 trillion and assets of Rp 1.25 trillion, which equates to IDR 500,000,000 and IDR 125,000, so it can go 3 great. In addition, there are still some cooperatives, such as: Cooperative Citizens Semen Gresik (IDR 970.472 billion). Cooperative Nusantara (IDR 926.847 billion), Cooperative Indosat (IDR 647,207,000,000). (PIP Magazine July 2009)

In this outstanding group of cooperatives, credit cooperatives have also become examples of cooperation that is developed correctly, initiated since 1969/1970 have to be a social economic force that is large enough. Kopdit now has spread across Indonesia with the structure of 3 levels: primary Kopdit (950), Puskopdit (30) and Inkopdit at the national level. Total members 183,227 people, the cumulative volume of business which only serve these members, in 2008 reached Rp 4.6 trillion and assets of Rp 5.6 trillion.

Thus the question: whether the cooperative could become a giant company, the above description has been answered. The problem is, how big cooperatives / giant is still in the "corridor cooperative" in the sense remains grounded in values and principles that make the members as its main strength (member based organization), as subject as well as its service object.

Cooperatives large / giants such as agricultural cooperatives in South Korea or Japan, dairy cooperatives in Denmark, U.S. or New Zealand, consumers' cooperatives in the UK, Sweden or Singapore, cooperative financial services in France or Holland, or worker cooperatives in Spain, built in time tens of years, even some that have been a century, so it is not instant. Cooperatives are built by farmers, laborers, workers, traders, consumers, etc., is really from the bottom, supported by management and modern technology. After becoming too large cooperatives will still be theirs.

Similarly, large cooperatives in Indonesia such as Kospin Services, Credit Cooperatives, Cooperative Citizens Semen Gresik, Cooperative Nusantara, Cooperative Indosat, Kodanua and so on, they remain the property of members, there are small traders / medium enterprises, employees, civil servants, street hawkers and forth. With this background, to the question: "Is it possible to build a giant cooperative owned / members consisting of conglomerates?", I tend to give an answer: difficult to imagine cooperatives that rely on large capital-owned conglomerate, will be able to be cooperative a big, strong and healthy, in meaning still remains grounded in the values and principles.

Whatever their good intentions to get involved in cooperative development, which means come leveling of development, create jobs, reduce poverty and create a democratic civil society, we deserve respect, all still follow the applicable provisions in the cooperative society.
(By Djabaruddin Djohan, Practitioner Cooperative)

The Existence and Position DEKOPIN

2011-05-01T06:13:00.001+07:00

The existence of cooperative in Indonesia was emerged at the end of 19th century. The precise date was 16 December 1886, when Aria Wiraatmadja, vice regent of Purwokerto, founded Hulp and
Spaarbank. The formation of the institution, which is similar with Raiffeisen credit cooperative model, was aimed at helping the elite society surround Purwokerto area from the trap of money lenders.

The efforts of Aria Wiraatmadja was broadly responded by the officials of the Dutch administration. Since that time development of cooperative within society has been intensified under the sponsorship of colonial government as a part of their ethical policy.

A genuine people movement cooperative was emerged in 1908, trigerred by BoedI Oetomo through the introduction and establishment of household cooperatives. This effort was enlarged by Syarikat Dagang Islam in 1993 through the establishment of cooperatives among indegenous tradersand textile enterpreneurs. And, in 1927, Studie Club organization conducted a massive champaig about the idea of cooperative as the right instrument for improving people’s education, economy, and nationalism as well.

After the Independence of Indonesia, the scattered movement of people-based cooperative was finally united in 1947. In the mid of critical situation, the first Indonesian Cooperative Movement Congress firmly conducted in Tasikmalaya, participated by 500 representatives from Jawa, Sumatera, Kalimantan, and Sulawesi. The congress has decided 10 substantial declarations:

First; establishing a Central Organization of the Indonesian People’s Cooperative (SOKRI), having domicile in Tasikmalaya.
Second; Indonesian Cooperative is based on the principle of mutual assistance.
Third; stipulating the basic rules of SOKRI.
Fourth; forming the board based on presidium system and elect Niti Sumantri as the Chairperson to set up a Standing Working Committee and arrange all matter related to decisions of congress.
Fifth; accomplishing prosperity of the people in conformity with Article 33 by intensifying people’s cooperative and economic cooperative as the implementing instrument.
Sixth; establishing a Central Cooperative Bank.
Seventh; determining Village People Cooperative to undertake credit, consumption and production businesses under a statement that the Village People Cooperative had to be a foundation of SOKRI.
Eighth; strengthening and extending education of people’s cooperative to broad society.
Ninth; distribution of basic needs and important goods to be undertaken by cooperatives.
Tenth; stipulating 12 July as the Indonesian Cooperative Day to be commemorated annualy.

Henceforth, in 1968, the name of SOKRI has been permanently changed to Dewan Koperasi Indonesia or to be abbreviated DEKOPIN until the present time.

According to Article 57 of the Law of Cooperative No. 25 of 1992, DEKOPIN is entitled as the only institution of the cooperative movement of Indonesia.

As the autonomous organization, DEKOPIN performs the tasks of promoting the ideal, values and principles of cooperative; representing Indonesian cooperative movement both at domestic and international forums; and undertake the role as a counterpart of the government in the development of cooperative in Indonesia.
To effectively perform its function and role within the entire region of Indonesia, cooperative movement at provincial level establishes Provincial Cooperative Council (Dekopinwil), and at municipal or district level establishes District Cooperative Council (Dekopinda). Dekopinwil and Dekopinda constitute as an integral part of DEKOPIN.

DEKOPIN is having domicile in Jakarta, Dekopinwil in 33 provinces, and 385 Dekopinda in 385 municipalities. Members of DEKOPIN consists of legal body cooperatives under the following conditions:
(1)    Secondary cooperative that having members in all provincial areas of Indonesia or more than one province qualify to register as member of DEKOPIN.
(2)    Primary cooperative and/or secondary cooperatives having members in one province or more than one municipality quality to register as member of DEKOPINWIL.
(3)    Cooperative having members at one municipality or district qualify to register as member of DEKOPINDA.

DEKOPIN is chaired by a President elected from and by the members in a National Congress. The leadership of DEKOPIN is performed collectively which consists of Plenary Board and Board of Directors (originated from the Plenary Board). The National Congress also elect Board of Supervisor whose responsible to supervise the implementarion of policy and management of DEKOPIN.

In view of providing advisory, opinion, and analysis of cooperative development, Plenary Board elects Board of Advisory and Board of Experts. And, operationally, for supporting the tasks of Plenary Board and Board of Directors in dealing with their daily activities, DEKOPIN forms a Secretariate General.

DEKOPIN take an active part in the International Cooperative Alliance (ICA) and Asian Cooperative Alliance (ACO). The present President of DEKOPIN is nominated as a member of Standing Committee of the ICA Asia and Pacific.

Business Doll Salma - Indonesia

2011-05-01T01:55:00.000+07:00

INDONESIA.Dolls, toys this one is not foreign to the ears of girls. But the dolls are Islam bernuansakan still rarely found. Thanks to this Sukmawati ideas, products Salma successful doll on the market and helped instill the meaning of decency.

Got the idea from the baby who enjoyed barbie doll, Sukmawati Suryaman then took the initiative to open another puppet production business than usual. "When it happened I was still looking for business ideas, Alhamdulillah I am inspired by my son," he said.

Sukmawati also want to open a business that is not far from the world of children. Incidentally also, when starting this business, still very few people sell dolls that wear veils.

Not only that, concern to see dolls by wearing minimal clothing, which indirectly affect the children who play it, also arouse desire Sukmawati create dolls with clothes that are closed and polite. And, sukmawati hope to pass on the spirit to wear Muslim clothing to the children who played a homemade doll.

Completing the doll needs that differ from those usually found, both in stores and on the overhang of the road, Sukmawati immediately started his business in June 2006. With capitalize Rp 5 million, Sukmawati could buy a sewing machine, doll boxes, fabric, and Barbie dolls.

For the purposes of the materials, the mother of one child already has its own subscription store, he had no difficulty in getting raw materials dolls clothes. He just needs to make a design, then proceed with the manufacture of printed patterns on the cloth which had been previously selected. Then proceed with the process of cutting and sewing. Fabric that is used to complement the doll he made also varied, ranging from cotton, satin, songket to batik.

Graduated from University of Gajah Mada (UGM) is already having experience in entrepreneurial, before opening a veiled doll toy business are labeled doll Salma, she never has the brand Salim bread business in Yogyakarta. However, the effort bread that they do not last long because Sukamawati must follow the husband who moves to another city job. After Sukmawati stay in Jakarta was, he did not pursue her bread business because of the tools for making bread was not taken. "The tools to make bread I stayed at my parents house, because the appliance is also heavy-weight," said Sukmawati.

Apparently many consumers who like dolls dressed in Muslim Sukmawati production. Sukmawati-made dolls for the more popular, he's always innovating and creative thinking with design ideas Salma doll clothes worn.

Initially, Sukmawati just designing doll clothes which consists of 12 variations, but has now evolved into the 50's with various types of clothing design, among other types of mukena, dress, traditional dress and casual Indonesia, all of which are formatted Moslem clothes. According Sukmawati, Salma doll clothes got the idea from all the families who contributed ideas for homemade doll clothes, and ideas are of course acceptable Sukmawati with joy, because for him it is a form of support for him and his business.

Because many consumers who love the homemade product, the turnover was also obtained Sukmawati bubble. Within one month of this business is able to print sales Rp 15 million to Rp 25 million. Sukmawati business can hire four employees, three permanent employees and one employee off. Each employee has a different task, such as sewing clothes, making boxes, and others.

Champion One
For Sukmawati, have the Salma doll business is a dream long ago. In addition to looking for their own income, can also open employment opportunities for those in need. "I want to involve more people in my business, can absorb more labor, for I am useful to the environment," said Sukmawati.

However, that dream seemed to be delayed, because the human factor. Therefore, making a veiled doll relatively easy, because it will take perseverance and patience. "Clothes Salma his small, so if made carelessly, the result will be ugly. It is different with our clothes. So, in making clothing Salma should pay attention to detail, technical sewing clothes, etc., "said the woman was 30 years.

Regarding business tips, Sukmawati with modestly admitted that his business has not been entirely successful. He felt still often falls on the same hole. However, Sukmawati stay motivated and learn from experience. "I am still groping in the running this business, still learning from experience and how to keep from falling on the same hole," he explained.

For Sukmawati, the month of Ramadan is really full of blessing, because the number of dolls Salma orders rose sharply. Many regulars who ordered this doll for resale. Price for doll Salma not to drain the bag. One fruit doll Salma valued Rp 50 thousand. However, for large parties, for example, 50 pieces, price dolls priced Rp 30 thousand per fruit.

Marketing is done Sukmawati quite simple. He also use technology, namely through the website www.bonekasalma. Besides not cost much, too broad reach of the Internet, so that everyone from all over Indonesia and even the whole world can see Salma doll business.

To further strengthen these efforts, diligent follow Sukmawati exhibitions and management training. "Kan I was not in the basic economics mbak yah, so I joined the management training to increase my knowledge of science for my business," said Sukmawati.

Thanks to the diligence, perseverance, and creativity Sukmawati, Salma doll products won awards from the Ministry of Cooperatives and SMEs (through the Deputy Head of Marketing and Business Network) in 2008 for the categories of ICT use by SMEs. "I was a champion," he said proudly.

Contact:
Mrs. Sukmawati Suryaman
Jalan: Jl Garuda VI Blok D2 No 6 , Komplek Sawangan Permai
Depok, Jawa Barat 16519
Tel +62-251-8619283; +62-21-93065847 ; +62-21-9356197
E-mail: bonekasalma@gmail.com, andyp14feb@gmail.com

Dayak Carving Art Crafts-Indonesia

2011-03-30T20:45:00.005+07:00

INDONESIA. When viewed from the collection of sculptures and wood carvings of various scattered in the gallery, Mohammad Bakri Udin may be bearing the artist's sculpture typical of Borneo. However, he only claimed to be antique dealers. Customers come from various countries.

Carve Art Bahati Jaya, Buy Sell Antiques and Craft Production typical Borneo. Similarly Bakri Udin install trademark business located in Samarinda Seberang, East Kalimantan. At first glance is just a special shop that sells souvenirs typical of Borneo. But upon entering the inside of a store that doubles the factory, seen collection of antiques in the middle of a number of craftsmen who were seriously carve wood into a variety of valuable art objects.

"This bird carvings typical Dayak Kenyah, which is typical Dayak Mask Benoa, and that the statue's nose parrot Punau typical Dayak," Bakri said Udin while accompanying PIP is concurrently reviewing the gallery shop, mid-August. Almost all kinds of crafts typical carving Borneo available here, ranging from a searchable collection of antiques from the Bugis Diaspora this down to inland Dayak tribes until he made his own collection along with dozens of artisans. The price, varies greatly, there is sculpture that is sold only Rp 50,000 but there are also hundreds of millions.

In the window of his shop, Udin Bakri held a variety of kinds of bird carvings and sculptures of small size (20-30 cm) for typical souvenirs Kalimantan at a price of Rp 150,000. But for serious enthusiasts of antiques, he invites the visitor to the inside of his shop that stores various kinds of carvings and antiques.

Export OrientationTo work on a variety of unique carvings, the man born Jeneponto, South Sulawesi in 1954 is recruit 30 crafters, and 10 of whom were permanent employees. The number of artisans, the father of eight children continued this could swell if there is demand for goods from overseas orders.

In addition to making sculpture typical Dayak of Kalimantan, Bahati Jaya often receive orders from various countries. In a relatively narrow working space, for example seen some grim-faced statue of orders from the United States. To work on the statue as high as two to three meters, Bakri Udin charge USD 15 million per statue. Besides the U.S., sculptures frightening enthusiasts also came from Europe, like Switzerland who have booked him for delivery 0rder next year.

Other orders are being worked Bakri Udin are various wooden furniture to be shipped to Japan. The goods in the form of tables, chairs, spoons, chopsticks until the cabinets were delivered regularly every three months to Japan. Each time the goods are delivered, Bakri Udin received payments of about USD 200 million. "I work to order. There are messages sculptures, wood carvings and home furnishings made from wood, all can I serve, "said the 1990 award recipients Upakarti this.

To produce carvings as well as orders from mancanegra it, Bahati glorious use of raw materials and Bangkirai Ulin wood with the use of about three meters kubuk per month.

Local Government Support
Bahati Jaya is only one of a number of wood carving business Borneo in Samarinda, but Udin Bakri-owned company is noted as the most successful and frequently follow the exhibition abroad.

In addition to the booming business due to the impact of reforms, Udin Bakri claimed the support and facilities provided by local government efforts in East Kalimantan is a factor that is crucial for its survival. Forms of support, among others, a routine marketing training organized by the Government. Also, Bakri said Udin, a number of awards it has received from various agencies is a major capital in developing a wood carving business Kalimantan. At least, Bakri said Udin, his efforts were recognized participated enrich arts and culture of the archipelago.

Souvenir Haji 'Etnik Ken Aam' Tanah Abang

2011-03-30T20:44:00.004+07:00

INDONESIA. Travelling out of town or out of the country is not complete without a souvenir or gift. However there are times souvenirs that we bring even bother because it takes place. Do not worry, Ken Aam stores have the solution.

How vegetables less acid salt, a saying that seems appropriate to use if we do not take souvenirs or souvenirs from the area we visited. Indonesia seems to have condensed with the tradition of buying souvenirs for family, friends and relatives. Even the pilgrimage had to bring a souvenir to be distributed, but do not worry the center by-the hajj has been there in Tanah Abang. If the affairs of the archipelago Ken Aam Jagonya souvenirs.

The effort was pioneered by Amanah Abdulkadir in 2007 proved to be extremely helpful in providing unique souvenirs of Indonesia. Starting from Amanah craze in collecting ethnic goods from Indonesia, then timbulah idea to create a business that provides a souvenir shop. "I used to when out of town, like to take a souvenir in the form of goods typical of the city that I went to," said Amanah. "Then my friends there are many who love too, so I made the effort," he added.

At the beginning of its existence until now, Ken Aam products in great demand by collectors and art lovers both from domestic and overseas who are hunting art in Indonesia. "Actually Ken Aam stand to provide a variety of products that capture the memories from various provinces in Indonesia, so you can give souvenirs to family or colleagues without the need to find and bring it during the tour, and tours Andapun become more comfortable and meaningful," said Amanah.

With an initial capital of around Rp 35 million, Amanah can buy consumer goods store, kiosk rental and pay his employees. Ken Aam present not just only provide a souvenir, but both have a special mission destination by Amanah, which helps the development of handicraft exports archipelago (KEN), also for the sake of making craft products Indonesia sought after and respected in the world. "So I gave the name of Ken, which means export handicrafts and Aam archipelago which means Amanah is the name of my own," explained Amanah.

Griya Ken Aam, which took place in Tugu Ruko Mutiara Jl. RTM Raya Kelapa Dua Depok it had 4 employees who served as the administration and regulation of goods, Ken Aam intends to open another business opposite the souvenir business. "We have plans to open a cafe on the 3rd floor mba," said Amanah to the PIP. "But it's still in the planning stage," he added.

In doing the marketing, do not need to bother, the article Ken Aam itself has been known by many art enthusiasts and collectors, so Ken Aam only provide a brochure, because one of its employees there are still a student at the University of Indonesia, in addition to easy also save time.

Ken Aam ProductsVarious unique ethnic goods available at Ken Aam Archipelago. Starting from the most minor of a key chain until the largest ethnic objects. Not only ethnic items are sold at Ken Aam, paintings, ceramics, as well as women's bags are available at Ken Aam.

Range price offered was varied depending on the shape and merchandise. For a coin purse, Amanah offers a price that does not drain our pockets, only Rp 1500. but for a set of tables and chairs, Amanah fix the price of Rp 6 million. "A set of table teak chair of the roots, so does the price offered is reasonable," said the woman graduate of Oklahoma State University in the U.S.

A variety of artistic products from Jogja, Jepara, Solo, Lombok, Bali and even from abroad such as Korea and Vietnam are here. Businesses that pioneered Amanah also has produced results, a profit of Rp 17 million can diraupnya. Not only that, customers who regularly order also remained loyal to him. "Thank God, I do not think started from a hobby, can actually produce," he said gratefully.

For existing products at the booth Ken Aam, Amanah get it from the supplier of various regions in Indonesia. But there is an Amanah also made himself assisted by his employees.

Even so, it does not mean there are no difficulties in doing business Amanah. Buyer interest and a lack of knowledge will Nusantara ethnic goods become one of the obstacles. The interest of the buyer is quite a lot, but it's only certain people only, "said Amanah.

Not only the goods to by-by, Ken Aam also provide a special souvenir orders, both for the show office, school or marriage. And solid again, Ken Aam also already have a regular customer to order this souvenir. "Here it can order a beautiful souvenir, mostly for events on campus or school," said a woman who had been a lecturer at the University of Indonesia.

Amanah not intend to export goods that is in Ken Aam, because the mission initially was to introduce a unique souvenir from Indonesia. "For people of Indonesia in general and foreign tourists in particular know that Indonesia is rich in cultural and ethnic goods is no less than mba abroad," he explained.

Successful business tips applied former Chairman Kosgoro Stima is very simple. Starting from first marketing, he said if Ken Aam product marketing success, then all of them also participate successfully.

Hope Amanah was not grandiose, he hopes businesses that have executable for three years can be more successful and developed, people can recognize the genuine product of Indonesia and most importantly a lot of people know for a customer in his shop.

Lampion Benang Room Decoration

2011-03-30T20:41:00.007+07:00

INDONESIA. Creativity is not limited to be able to make an impossible thing becomes possible. Do you know the yarn can be made into beautiful lamps? Curious? Let's find out how to manufacture.

The business of making various kinds of handicraft products initiated by Nina Yulianti since 2005. Starting from the dissatisfaction over the hood of his misstatements, the petite woman who was familiarly called Nina that spontaneously change food hood that had already damaged it becomes feasible to use.

"It was just fun lho mbak. In order to re-appropriate wear, caps preteli and I finally made it interesting with improvised materials. Eh happened hood turned into beautiful and can be used, "said Nina at his residence, Sarana Indah Permai Housing Complex, Ciputat, South Tangerang.

Eventually some of Nina's friends who come home immediately fell in love seeing hood homemade food. From there, Nina then ventured to produce more food hood.

Of the several orders that come have not been able to make the guts mother with one daughter has had the courage to establish handicraft businesses. "Starting from me to place the goods at the bazaar one mall in Jakarta. After that I ventured to accept orders for more, "he said.

Despite the effort, labeled Zahra Handycraft Sheen walked, Nina is still not satisfied with the craft production. Because the craft hood food becomes more popular and many are imitating. Feeling challenged by PT Krakatau Steel is a partner builder, then Nina seriously to develop a business that has been running for 5 years toward the more advanced.

Nina was with her husband and then got the idea to make lanterns. Actually, lantern-making business has mushroomed everywhere, but because it is never give up, Nina wanted another homemade lanterns from another. "I was with my husband kept thinking about ingredients and how the manufacture of lanterns made by us," said Nina.

Married couples are indeed resilient in thinking about new ideas to develop their business. Evidently, their efforts were not in vain. Yarns are generally to sewing clothes or knitted into cloth, was able to dikreasikan into a beautiful lanterns light and versatile.

Without Moulds
Making lanterns pretty artificial Zahra Handycraft Sheen did not use a mold, but the inflatable balloon. In the hands of Nina, inflatable balloon which is used the children to play or decorate the room on a specific event, a mold which is very useful for making lanterns. "How, balloon blowing, and big-small in accordance with what we want. After the balloon was spread with glue and dililiti threads, "said Nina, unlock the secrets of production.

At first, Nina and her husband admitted confusion in making lanterns. "At first we use a plastic ball, but after a dry and so, I am confused how do I remove it, however, with a strong intention and effort we finally found a way," he added.

Thanks to the creativity and effort in the production of paper lanterns from the string, with its flag Zahra Nina Handycraft Sheen managed to get SOE Award 2009 Business Partnership Award for Exemplary Partner nomination. "Alhamdulillah, I am thrilled and want to create a more unique crafts," said Nina, proudly.

Various exhibitions have also he attended as a platform for the development and promotion of handicrafts made in Indonesia, among others, in March 2009 following Zahra Sheen Handycraft handicraft products exhibition held by the National Crafts Council (Dekranas), Degree Development Program, and the newest exhibition at the Jakarta Convention Inacraft Centre in late April.

Capital Not Great
According to Nina, the initial capital needed for business initially, crafts hood food, not so drain the bag. The third child of four children, admits only to prepare a capital of Rp 500 thousand. This money is used to make capital framework serving hood made of iron and requires expertise. So he hired a welder to make a skeleton. While the capital used to purchase materials as a hood cover food.

Hood-food-made women born in Jakarta is very natural, because it uses materials that are environmentally friendly. For example, for garnish, use dried flowers and seeds, also uses recycled paper that has been rolled-linting.

Meanwhile, the price cap Nina food production are quite varied. To a beautiful serving hood, the price is relatively cheap. While the price was pegged lanterns hanging from Rp 50 thousand to Rp 75 thousand per fruit. "That's for retail price. If purchasing a lot, I can give a cheaper price, "he explained.

But for the lantern room, the price offered is slightly higher than hanging lanterns, for wearing the cushion is made of wood. The price of this product from Rp 100 thousand to Rp 250 thousand per piece.

With the help of four experts and some nonpermanent employees, businesses are able to produce a single fruit Nina lanterns hanging in 15 minutes. Yarns used also varied in number, usually for a small lanterns take 20 rolls of small threads.

At present, the craft carried on Nina and her husband were able to record a turnover of around Rp 3 million to Rp 5 million per month. However, turnover certainly increase if there is a large order for a particular event, so that profits were also inflated.

So far terbersit Nina desire to be able to export goods handicraft products. However, he still faces some obstacles commonly encountered small-scale handicraft industries. "In addition to marketing constraints, the most common for my business is weather constraints. If the rainy season, I can not make a lot of lanterns due to dry hard, "says Nina.

Women's 35-year claim to have no special tips in business. But a fairly simple business principles, ie do not be shy and afraid of failing to try an attempt, also do not give up until the intention to create a true craft.
About future expectations, Nina mentioned a desire that is generally required by employers handicraft products, ie, for more advanced business and is known to the wider community. Only difference, he always hoped to find a buyer that T, O, P, B, G, T aka the top really.

How to make a lantern yarn

To make patterns, use a balloon to form a sphere. Blow the balloon at the desired size of the lantern. Then measure the diameter of the balloon, in accordance with the lanterns that will be created.
The second stage mix yarn and wood glue. Then paste mixture in the balloon that you blow. Do it until the entire surface of the balloon is covered by thread.
If the surface of the balloon has been covered, then basking in the sun, for wood glue to dry and stiff. For the size of a small lantern, quite heated all day. But for a fairly large lanterns, require a long drying time (± 4 days).
Once dry, break the bubble that is in it. So it was only an orb of yarn that is ready made lanterns.
The last stage, the input lights and wires to create the light in lanterns. And lantern yarn was ready for the market.

Handicraft Gerabah Bantul-Yogyakarta

2011-03-30T20:41:00.005+07:00

INDONESIA. Pottery was no longer popular. However, it does not mean the product of this cultural heritage enthusiasts quiet. In fact, thanks to the creativity Walijoko, glassir fired pottery business prospects remain bright.

Crushed modernization era, does not necessarily make traditional crafts such as pottery disappeared just like that of the archipelago. In fact, the upheavals of modernization increasingly whipped up the challenge a lot of pottery artisans to develop the work of this nation's cultural heritage.

Thanks to the perseverance and creativity of the craftsmen, then the products of traditional crafts such as pottery to look elegant and be the target consumer as collectibles that high artistic value.

Pottery is known terracotta-based or a mixture of red soil and clay. However, Walijoko, a crafter pottery in Bantul, Yogyakarta, managed to modify the potteries with the use of land commonly called white or glassir.
Starting in 1995, with initial capital of about USD 600 thousand loan proceeds from a cooperative, continuing Walijoko pottery business inherited from his parents, by turning it into glassir ceramics business.

As the owner of Studio East Blonyo, Walijoko decided to make pottery from the white ground. "It's called ceramics, we used to produce pottery of terracotta, but because baseball already sold, so we modif glassir wear," said Walijoko. He admitted, using basic materials glassir, business prospects could be more visible progress, because you are looking for buyers now is a modern craft.

Initially, Studio Loro Blonyo only make pottery items limited to the manufacture of kitchen equipment, such as furnaces, kwali, keg, layah and tools and other household, but over time, Walijoko birth of creative ideas to make ceramic pottery. "We want customers satisfied, so that we tailor-made studio ceramics Loro Blonyo order not out of date," said the man was born in Yogyakarta.

About marketing, marketing claims Walijoko only done through the outlets located on RT 06 Bangunjiwo Kasongan, Poor, Bantul, Yogyakarta, in addition to past exhibitions which take place every year, as Inacraft which is usually held at the Jakarta Convention Centre (JCC).

Assisted by 30 employees, Walijoko able to make various kinds of ceramics. From the easy manufacture of ceramic to ceramic is very difficult. Consumers also can order the form of ceramics in accordance with her wishes. "Usually the order ceramic weird, there are easy and some are hard. Ceramics of the details have to be really the same as the order is a ceramic that difficulty is quite high, "said Walijoko.

However, Walijoko not give up so easily. With his persistent, he always solve customer demand with satisfactory results. For example, two-meter-tall statue that ordered the Sheraton Hotel in Yogyakarta. "That is the most high sculpture I ever made" said he recalled.

Production Process
Various kinds of ceramics made in Studio Loro Blonyo, produced with a relatively simple process, ranging from dense print, sculpture making and finishing with the burning, drying, and final staining. Originally Ceramic Studio Loro Blonyo is handmade handmade alias, which printed only a body or body of the statue itself, but if the details of sculpture such as hands, eyes, hair, lips and others are purely handmade from crafters Studio Loro Blonyo.

About the price of no less competitive with other pottery shops in the center of the pottery Kasongan, Bantul. Walijoko offer enough relative price depends on size and difficulty of manufacture of ceramic itself. Ceramic cheapest worth USD 25 thousand and most expensive Rp 65 million per fruit. "We do not set prices, it all depends on the difficulty and size of ceramics," joked the father with two children.

Due to intense competition, making business turnover Walijoko uncertain. He said turnover from selling tiles up and down. Especially if associated with earthquake events in the area of Yogyakarta in 2006. Instead of profit, but losses are fairly large. "We did not calculate the losses, which we know Loro Blonyo Studio showroom houses were destroyed and the production of ceramic wall cracks," the story Walijoko.

Only Walijoko not dissolve in grief. He and his employees rebuilding effort that has pioneered the hard-earned. Although many of which have the same business Walijoko, but he never lost his customers. "Customers remain Studio Loro Blonyo from all over Indonesia and no exception from abroad, such as Malaysia. "Usually they buy things functional, such as bowls, ashtrays, and place candles," she said again.
Not only from Malaysia, consumers also came from France. "If buyers from French, not always but quite often even though the routine a little," said the man was 42 years.

Walijoko successful business tips on running his business is honest to customers, maintaining quality ceramic, and the last is the right time. "If we on time in making the order, the customer will be satisfied," he said.
Expectations about future business Walijoko is more advanced and become a leading ceramic business in Indonesia. "Kan love our traditional business if to be forgotten. Thus, as a businessman I want this business in particular and ceramics business in general becomes more advanced, "said Walijoko. In this way the cultural heritage of Indonesian products still exist, and are not recognized by other countries.

Marching Band Drum Crafts Business

2011-03-30T20:39:00.004+07:00

INDONESIA-DI YOGYAKARTA. Business creation tools marching band is still not widespread. Keen to see its market share, and achieve sweet results, that is what is now perceived by business flagged Joko Purnomo Wasito Son.

Marching bands identical to the official celebrations, such as national independence days, and other important days. That said, the marching band was born after World War II.

Marching Band is now growing and become activities that loved young people, and not just limited to the activities of the parade. Marching band is already a kind of entertainment or music show rich color, both musical and visual. Marching bands also play unlimited songs mars, but has penetrated various rhythmic pop songs, jazz, or classical.

As if a race against the rampant activities of marching bands, businesses related to the marching band equipment ditekuni Joko Purnomo not lose too rampant. Business equipment makers and distributors of music, drum band, and marching band has been going on since 1960. This business was founded by the family of Ricardo. "At first I just worked into the sales to help parents," he said.

After serving for 10 years, Johnny finally decides to independently make the same effort as their parents. "I had baseball allowed by the parents," said Joko. However, with capital daring and spirit, he finally allowed by the parents and be the generation of the Son Wasito two feet. "Anyway tripe base," said Joko with a thick Javanese accent.

The origin of this marching band business, that is, when the Sultan Palace the aid sangsakala blow to parents Joko Purnomo. After sangsakala the function, returning her parents received similar orders from other people, including the repair of musical instruments drums.

From there then the idea of making efforts to create a marching band equipment. Armed with the expertise to fix musical instruments, Prapto Joyo Wasito, as the first generation of Wasito Son, ventured by first making a musical instrument drum band, after that developed by making musical instruments marching band.

Armed with capital to continue from parents, Joko continue the business of making tools marching band in 1993. "I have been independently around in the 70s," said Joko.

Johnny makes his home in Princes Street Wirosobo UH VI/651 Yogyakarta as well as workshops (workshops) for the manufacture of marching band instruments. Attended by 10 employees, Joko every day can make the tools marching band one or two units. In addition to making musical instruments drum band, he also makes a variety of costumes marching band. All employees have a duty in accordance with their respective fields. "The ten employees already can do all the tasks, are complementary, and all should be," said the father with two children. However, when orders booming, Joko recruit a number of contract workers in Wasito Son.

Not Lose of Imports
The order-making drum band is not too complicated. First thing to do is drum body is coated with a choice of plywood, then coated individually rolled repeatedly, resulting in a strong drum body. After that the press uses an iron ring, given a color, given a ring that has been so, given the drumhead from abroad, then stem and finishing.

About drumhead made abroad, Joko explained, drumhead import good quality and not easily damaged. "I can make a drum with a drumhead made of local bands, but the quality is not good and easily damaged, so it's up to customers," he said kindly.

Although the drumhead from abroad with quality, but quality tools made by Joko marching band also did not lose, and still take precedence. Not surprisingly, production Wasito Son having crossed from Sabang to Merauke aka penetrated the national market. "For marketing products, I usually work with coaches marching band," he said.

Prices are set not too expensive. For example, one unit of the drum band to the level of kindergarten (TK), valued around Rp 4 million-Rp 6.5 million, to the level of Primary School (SD), Rp 7.5 million to Rp 15 million, and for junior high school level (SMP), Rp 15 million to Rp 20 million. Price mentioned above is only a benchmark standard of Joko prices given, but the price of 1 unit of drum bands also depends on the buyer wants, too, so Johnny just follow it. "If the language is now picked up the ball, the important goals and can serve mainly in terms of price and quality," he said.

Along with the need for tools for marching band festivals holidays, so orders for Wasito Son even more booming. Turnover also obtained sizable. To turnover in the months good as June, July and August, Joko and its employees make 10 units of drum band and could reap a profit of Rp 100 million per month, but on weekdays Johnny gets a turnover amounting to Rp 20 million per month "Usually a lot of months that order in June, July and August, because it will be used on the day of independence, "said Joko.

Tips for successful business man born in 1975 according to this is, find the treasure as much for worship, for the purpose in the afterlife is not in the world. If asked constraints, according to Johnny all businesses there must be obstacles, one of which is competition of price. All craftsman tools marching band in Yogyakarta, now is in a race down the selling price, but not with Wasito Son. "The selling price band drum means we are not inherited, but we increase the quality," said Joko. In addition to quality, service also increased from time to time.

Looking ahead Joko expect business to make the tools marching band expands by opening a shop of musical instruments. It was also open employment opportunities, as well as worship. Hopefully.

Costume King Costume Unique Flex Point

2011-03-30T20:37:00.005+07:00

INDONESIA. Character costume business fairly rare. Therefore, Wibowo could pitch in this business, without much competition. In addition brings its own satisfaction, the business also generate a lot of money.

Carnival celebration, identical with the various costumes interesting and funny, even some unusual costumes strange alias. Carnival in Indonesia is still rarely performed. Most celebrations like that carried out by European countries. But from 2008 yesterday, the city of Yogyakarta to the carnival in order to promote the Visit Indonesia 2008.

Apart from the carnival event, wear costumes that would not be separated from the cold hand of the maker. The character costume maker in Indonesia is Wibowo. Male 49 years this has started its business since late 1979. Starting from the dance studio hers labeled Flex Points, Bowo, her nickname, had difficulty to meet the needs of the dancers costumes. "I struggled to meet the needs of the costumes of the dancers I, especially if the costume should fit with the character of the performance," said Bowo. Preoccupation with maker's business costume characters, making the dance studio boss was not running anymore. "My dance studio is no longer in operation since seven years ago mbak," he explained.

With Rp 500 thousand as the initial capital, Bowo summoned the courage to wrestle this business. "The salary I can only Rp 500 thousand. With that much money in 1979 it has been very much, so capital is enough to build this business, "said Bowo friendly.

The man who once worked at a textile factory in the Little Door in Central Jakarta, is indeed somewhat reckless in to his business, because before such a big business now, Bowo had received scathing criticism from his family. "No way could live off the wealthy business gini," recalls Bowo. But with perseverance, tenacity and accompanied with great effort, the effort costume character also named Flex Points have been developed rapidly.

Attended by 12 employees, Bowo able to make a difficult character costume though. According to him, none of the costumes that are difficult, because he works in accordance with the virulence and pleasure. So what is being operated now is work that brings happiness and well bring good fortune. The process of making the costumes done separately, ranging from pemolaan materials, sewing, pembordiran, and also the homemade costumes sequin on

Various Unique Costume
Businesses that had been pioneered 27 years ago, is indeed specialized in providing unique costumes, ranging from costume characters, such as snow princess costume, batman, mermaids, spiderman, sailorman, even the costumes are full of feathers is also available at here.

Marketing is done Bowo only by word of mouth alone, especially from dancer to dancer sanggarnya another studio. But over time, interest in the booming homemade costume characters. Now not only individuals who come to the workshop on Hospital Road. Fatmawati 15L Block A, South Jakarta, but large companies also come to order costumes unique. "Usually the company booked for private party, and usually they use the theme of each," said Bowo. "I made costumes also been used in advertisements Gulaku," he added, promote.

Now, Bowo has thousands of costumes in the workshop to be sold and in the rental. Usually the tenant one homemade costumes are charged 150 to 350 thousand dollars and there is also the cost of costume rental up to Rp 500 thousand. "It depends on borrowed complete or engga," joked the man Native Magelang. While for a long time penyewaannya, three days from the day of borrowing, use of day and day of return. Ranging from one million to two million dollars to the selling price of one homemade costume, was a bit expensive than the rental price, depending on the difficulty and costume material that will be made.

Order the desired character costume can also be in accordance with the wishes of consumers. They order a costume based on the drawings, both created their own images or images that already exist. "People's best-selling cartoon book by the children," said Bowo smile.

Along with the increasing demand for unique costumes for private party and such, they work at Bowo business moving forward. Turnover was obtained Bowo not small. USD 2.5 million could diraupnya in one day alone. Bowo admitted, there are no significant obstacles that he faced during the business to his costume of this character.

Tips for a successful effort by a man who once studied at the University of Atmajaya are to be diligent in running a business, do not be afraid to try. But do not try too often. "God has given rejekinya respectively. So do not be afraid, certainly if we tried, the fortune will come to us, "he said wisely.

Hope Bowo forward to attempt a costume character, not grandiose. He just wants his business still exist, despite the global crisis threatened in 2009, Bowo feel it is a challenge for him in running the business to be more forward again, and he also expects his business running smoothly and there is no obstacle what so ever.

Sistem Tanggung Renteng SBW

2011-03-30T20:35:00.004+07:00

INDONESIA. Savings and credit cooperatives (KSP), which finds its own management system? One of them, Cooperative Setia Bhakti Wanita (SBW), East Java. For the cooperative society KSP, recourse management style of SBW are well known. Hj Siti Aisyah Yoos Lutfi, the architect SBW about philosophy, working principles, and application management of "Sistem Tanggung Renteng".

Since its establishment (1978), KSP SBW system of Sistem Tanggung Renteng. Its application, to each member was given the freedom to form, amounting to 20 to 30 people. In it formed interaction between members needs. Each other mutual support and take responsibility for the liabilities of the group.

When forming groups, the SBW did not participate to determine who are the members of the group who will be selected. The group itself which decided: Whether a person can be accepted or not a member of the group.

One of the values that you want is formed by forming a group and with Sistem Tanggung Renteng is the attitude of the responsibility of every member of the cooperative institutions and others. The result, if the number of groups in the SBW in 2003 reached 359 group, as of the end of August 2005 the number of groups has reached five hundred more.

Sistem Tanggung Renteng, simplify set SBW members who have reached tens of thousands of people. Other benefits will reduce the level of bad loans really zero percent. Why can succeed? For every member who will be applying for loans by members of the same group. They also always try not to bad loans. If it freezes anyone else could be bothered.

Sistem Tanggung Renteng SBW applied initially frightening, because it involves borrowing money. Moreover diembel-arbitration with Sistem Tanggung Renteng. However, after receiving a detailed explanation, many communities are interested in joining a cooperative member. Initially scared finally terpincut.
Sistem Tanggung Renteng was to produce a very solid interaction among members. In practice, interaction among members becomes a kind of free consultation. For the initial stage, members may not borrow directly from cooperative.

Members have permission to fellow members of the group, it means that prospective borrowers are making commitments that do not play games. To borrow money and must return on time. Better yet, prior to maturity. If this can diamalkan, not just the borrower who can be good name. The group also raised prominence.

Conversely, if the borrower in trouble with his credit, he immediately sanctioned "black stamp" (black list). No other, caused by one member, all members of the group must bear the problem of the borrower's loss. This is the core system of Sistem Tanggung Renteng.

Implementation of Sistem Tanggung Renteng are consistently able to beat the bank. How come? Yes, for members who borrow money did not necessarily have to have guarantees or collateral. What guarantee is nothing but another member of the group.

All members are recommending as well as responsible. Thus, each member should really keep the trust of the members in one group.

Trust provided a phased manner. All members recommend to the KSP SBW for the prospective borrower's first loan was granted for example, Rp 600 thousand. In the second year approved Rp 800 thousand, and three new loan may be Rp 1 million.

Consideration was tailored to members' ability to repay in full. If one member menggembalikan installment proved timely, after 70% he was allowed to repay the borrowed again. Of course, after consultation and permission from all members of the group.

Implementation of Sistem Tanggung Renteng to uphold common values, not the preamble. That is, group members always come to think and always cares if other members are needed the money. Also means emancipation also occur spontaneously.

KSP Alternative Financial Institutions

2011-03-30T20:34:00.005+07:00

INDONESIA. KSP (Cooperative Savings and Loans) and USP (Unit Savings and Loans) are the two forms of savings and loan business as provided for in Article 44 of Law number 25 year 1992 concerning Cooperatives and Government Regulation (PP) number 9 of 1995 on the Implementation of Business Savings and Loans by Cooperatives and the various decisions of the Minister concerning the implementation of instructions by the co-operative savings and loan business.

KSP is a cooperative whose activities only on lending and borrowing. While the USP is a business unit of cooperatives engaged in savings and loans, and managed autonomously as part of the operations of cooperatives concerned.

KSP or USP according to its function is the institute that undertakes the function of collecting and distributing public funds, especially the cooperative members as stipulated in Government Regulation. 9 of 1995. On that basis, the basic rules of the banking system applies here.

The development of KSP / USP can be described through various indicators, such as the number of (cooperative and member) state capital, savings, fund distribution, SHU, and assets.

The presence of KSP as an alternative financial institution that can be accessed by SMEs is necessary, at least remember that formal financial institutions, whether banks or SOEs remains an institution that is difficult to reach by MSEs is not in the physical sense, but in the real meaning; products exist in the form of credit schemes, but the procedures and terms, and komitrnennya difficult. Formal financial institutions have helped foster its customers, for a sense of trauma to the bank, where the MSEs are many but rarely can apply for credit, do not have a negative impact.

The presence of KSP is also expected to encourage the growth of new entrepreneurs, since this group generally has not been touched by the financial institution.

Separation of the KSP USP is intended to: a) develop the services and income cooperative members. b) gain or seize opportunities demand (demand), product savings and credit cooperatives (savings and credit / loans) and offer (supply) of funds from members and the community, including the strengthening of government development funds circulating in the community. c) developing savings and loan finance particularly strong and independent.

Principal argument for the importance of savings and loan USP separation units are: a) the type of cooperative effort to obtain clarity and legal status. b) The business focus is to avoid mixed monetary sector business (KSP-USP) to the business of the real sector (goods and services).

The argument descriptions are as follows:
Juridical
1. Article 16 of Law 25/92
a. Types of cooperatives based on shared activities and interests of member economies.
b. Types of cooperatives include the Cooperative Savings and Loans (KSP), Consumer Cooperatives, Cooperative Producers, Marketing Cooperatives and Cooperative Services.
c. Cooperative Penjenisan developed at this time, such as cooperatives, Cooperative Employees (Kopkar), Kopti, Kopdit, etc.

2. Article 44 of Law 25/92
a. Cooperative can collect funds and channel them through lending and borrowing activity
b. The operations of savings and loans can be executed as one of the business activities of cooperatives (USP) and the only business activities of cooperatives (KSP).

So, from the viewpoint of the types of cooperatives, cooperative USP difficult categorized as what kind of cooperative, or not jetas types of cooperatives.

Economic Activity
Economic activity includes the activities of real sector or sectors of goods and services sector also monetary or financial sector.

The real economy needs monetary sector, because the smoothness of the real sector is supported by the monetary sector, so jiga otherwise require monetary sector customers or members of cooperatives or community in the real sector is good. But to be merged into a single management is difficult, because the real sector and monetary sector has different characteristics. Monetary sector / financial manage money input, processing money and produce (output) money. The element of importance is the belief (trusf) and risk (risk).
Thus, by analogy above where KSP-USP as a business in the monetary sector, the USP is not appropriate in combination with other units of the character of real business in the cooperative.

Separation Options
Alternative options or separation (split off) USP into KSP is:
1. Capital weaning. separation gradually. Gradually from USP Cooperative managed separately from other units in the cooperative in question (see article 16, paragraph (4) Regulation no. 9 / 95), then separated KSP with a separate legal entity.
2. Model separation (split off) directly, is the separation of the USP into KSP by KSP new legal entity;
3. Model takeover (acquisition) through the purchase process KSP KSP existing ones, which are sold by their owners.

Separation mechanism is through the USP becomes KSP decision making process of separation (split off) which was decided in the meeting members of the cooperative.

There are a number of obstacles in delivering USP cooperative separation into KSP, among other things:
1. Fundamental Barriers
a. Generally, the USP is the belle of the unit, mainly in: 1) The contribution of income and SHU cooperative. ii) Teaser to attract prospective members of society become cooperative members. iii). Channels for the entry flow (cash in flows) and outside (cash out flows) fund retrofitting / guidance from the government and institute other builder. iv.) Cashier for other units in the cooperative. For example, credit items such as fertilizer / agricultural production means, which managed the production unit. Or credit items that are managed department shop units (Waserda) and others.
b. Status of the debts and part of the solution.
c. The division of wealth between cooperative (old) with KSP (new).

2. Structural Barriers
Matters related to fears of further changes in a). in ownership, b). organizational structure, c). per-rival.

Separation of the KSP USP will bring clarity:
1. Types of cooperatives that manage savings and loan and its legal entity status.
2. Business focus on the financial sector (monetary), not mixed with other units in the cooperative character of the real sector business.

Lack of clarity characteristics are expected to bring significant changes in aspects of a.) the institutional, b) business activities, and c) the process in implementing the savings and loan activities of KSP.
Changes in the more stable this in turn opens opportunities for the KSP, creating excellence in competition in the microfinance market, with: a). excellent service to the members b). develop confidence (trust) and pressing business risks, c). reaching / seeking financing opportunities across sectors, d). and others.

Islamic Financial Services Cooperatives

2011-03-30T20:33:00.005+07:00

The realization of the development of Islamic financial institutions, other than because there is a need in the community as well as enactment of the dual banking system in the national banking system. National banking system has put syariah as an alternative subsystem of the conventional subsystem, particularly in the service in both the to meet the needs (demand) and utilizing the excess funds (bids) in public funds.

As a system, the difference lies in the rules and principles of syariah that are used as the basis for their transactions. Easily the Islamic system is not known who took the basic transaction "estimate" or calculating "interest" (which generally becomes the basis for calculating the financial business - conventional savings and loans).

The concept of interest in Islamic teachings deemed to contain aspects (riba) is forbidden. Similarly prohibited to apply the treatment of transactions that are containing speculation and uncertainty.

Thus the Islamic concept of all applications related transactions or related and intersect with the components of "interest" be avoided, and instead in order to earn income through financial transactions, must be based on consensus agreement (contract), which generally relies on the concept of "profit sharing".

This concept has been widely promote the establishment of "equality" for all parties involved in the deal. For that deal that was built with the principle of mutual benefit (in proportion to risk) and the rational among those who perform the contract should be done based on rules that are permitted under the terms of the Quran and as Sunnah.

Way is considered to help avoid the exploitation by one party to another party. Similarly, the risk must be accepted as a condition, which need to be controlled together, but still must be accepted (should not be denied) entirely if it becomes evident that the risk occurs.

The impact, in Islamic transactions required an understanding of what was agreed, especially in any products available Islamic services.

Understanding of which should be directed to obtain the understanding and scope of the component, in the form of objectives, benefits, risks that may be encountered, as well as provisions that must be followed or met and monitored.

Various products syariah it is defined and regulated by the National Syariah Council through a number of his fatwa. Application must be supported by an understanding of both parties working together, and the results realized through the decisions contained in the "Islamic financial contract."

In its institutional, cooperative Islamic financial services are also rationally required to act carefully (prudent), because they assumed the trust management "of its members", through the implementation of various efforts memanaj business effectively.

Why should be, because they also will and may face the problem, as the impact of unfavorable environmental conditions. For that the managers of Cooperative Financial Services syariah or Islamic Financial Services Unit, need to be aware and to provide adequate and careful attention to the pattern of business management.
The pattern should be able to help them to be sensitive and at the same time can lead to the realization of the principle of prudence, it means that the pattern of management must be able to control and direct every actor in the Islamic financial services cooperative institution to act based on principles and procedures defined rules.
Evaluation of the effectiveness of its management pattern should also be done consistently, because they are very dependent on the correctness and "sensitivity" decisions and actions in exploiting the opportunities available and the covenants made.

Critical Factor Syariah
Based on these series of efforts the application of syariah rules in practice is a critical factor in the development of cooperatives and business financial services unit of syariah.

However, it must be admitted that the Islamic system approach in fact have the support application compatibility in the values of togetherness and "responsibility" of members in cooperative principles.
For that pattern syariah comprehensive business management and ability to accommodate the rules and principles of syariah must be juxtaposed with the application of values and principles of cooperation that characterizes the identity of cooperatives. It should be noted that the concept of syariah is applied as an alternative service system in the process of fulfilling the needs of fund and utilization of excess funds in the community.

Islamic business management pattern, because it is not only expected to apply the rules and principles of syariah, as expected, but also to motivate or encourage the implementation of the values and principles of cooperatives in the operation of steps, actions and attitudes and behavior of members of cooperatives.
With the Islamic model, efforts to meet the financing needs of members and the management of surplus funds in the community is expected to be done consistently with the provisions of syariah, so that the managers nor the members who will perform the contract in accordance with the agreement of his choice is also expected to think in the context of syariah, if the expected steps can be consistent.

Thus, once the availability of coaches needed to help oversee and direct the application of the concept of syariah in Islamic financial services cooperative institutions, the different operations and procedures of the service with general institutions of Islamic banking.

What is similar and the principle of the rule, but its application is the provision and cooperative pattern that must be accepted as a characteristic. Mingkin functions and tasks of the National Council of Syariah and Syariah Supervisory Board will increase the complex in the presence of Islamic financial services cooperative institutions as well as Islamic financial services unit of this.

Another critical factor in the successful application of the principles of syariah is the transformation that occurred. For cooperative institutions or other financial institutions that have implemented syariah rules and principles, still requires various adjustments so that the application concept of syariah is not just simply take the system without applying the rules that underlie decision making processes.

An interesting example and a challenge, is to set margin ratio and which can provide income for the parties are bound by the contract. Is there any reference or comparison conditions to determine the ratio, in the sense of how much information until it is known by particular members. It can be study materials, because if one party does not have equivalent information breadth and depth, making the contract invalid.

Business Management Patterns
When it comes to course management should apply to all system applications, because the concept of management is to realize the concept of work efficiency in using resources and achieving effectiveness through others. However, its application is strongly influenced by the values adopted and used by the group. That means that the rule of syariah, which contains the basic provisions of "profit sharing" as a means to earn income in the contract financing (loans, joint financing and purchase of goods) should give the dominant color in their business management processes. Colors that will affect the orientation of the vision and mission of the institution, which is certainly not to seek "profit" in a broad sense, so that should be sought form other advantages.

In that case the concept of syariah should be able to become more effective, considering the organization of cooperatives is also not intended for profit, the Institute is more intended (conceptually) to help develop the skills of its members, both in business and in meeting their consumption needs. Hence cooperative management worked to accommodate and direct as well as building capacity to meet the demands and will of rational service from its members. The burden of management is trustworthy members. Because of that cooperative management is also "not be" placed "contrary" to the members. They must become the motor and also spearheaded the group members in meeting their needs. For that apply democratic values in a cooperative so that there is a sense of togetherness, solidarity and kinship.

So, if the references used in preparing the agreement (contract) to implement the syariah rules and principles, it should not not be too difficult. Management can color the patterns and process management applications based syariah things that had to be applied in the cooperative. Therefore, the formulation of various forms of rules, such as one vote for one member, or a meeting of the highest body (power, absolute) in a cooperative can be aligned with the application of Islamic rules and principles that govern how the agreement was done according to Islamic law.

As a system, the business activities of syariah has the goal of producing sufficient revenue for the group. In relation to financial business is done then the system is expected to support the realization of the dynamics of cooperative organization that is concerned in a comprehensive terlayaninya members. So, do not let the rules and principles of syariah is used merely to "sweetener" or follow the trend. Therefore, it must appear in the pattern of management, which should be oriented to the interests of "consensus" on the basis of syariah. In addition, all actors in the implementation of agency management, must also demonstrate adherence to any contract made, both in terms of fulfilling the interests of more internal and external to the party.

The pattern of management must show and actually upholds the value of "honesty" and "openness" in gaining revenue. No information should be enclosed between the parties that make a contract, and at once secured confidential between them. Matters referred to in the rule of syariah is defined as receiving "the noble values that apply" in certain areas, so the form syariah can be more adaptive applications without having to leave the basic provisions. Thus the requirement to be fulfilled is that the essence of matter (substance) must be lawful, in addition to the procedures to obtain or manage them must also be kosher, and the use of the results should also be permitted to be met operationally.

To maintain the real value of course needed the coaching process, through education related to the explanation and application of rules and principles of syariah, for example by explaining the various products as well as provisions concerning products from the Islamic Syariah Council of the National Halal here have a sense it does not contain aspects that is forbidden according to Islamic law. Terms like that which in our opinion, become the main cornerstone of the National Islamic Council and Syariah Supervisory Board in performing its duties.

For that development patterns for the management of Islamic financial services cooperative institutions and cooperative units can be developed in stages by doing development in their respective management functions.
What's statement, both to establish his fatwa, or in the process of monitoring activities, with the intent to avoid irregularities. With these fatwas based on the foundation system, syariah model already can be categorized as a model which can follow the rules and regulations. Of course the changes will occur during the next development in progress, so the presence of the National syariah Board Fatwa or instructions and repair of the syariah Supervisory Board is expected to be realized just as quickly, in connection with the change that occurred recently in the business environment. Such conditions are expected to be explained to ordinary people, in order not to cause doubt, especially among Muslims about the image and achievements of Islamic financial institutions.

That is part of the critical factors associated with the process of implementation and development of Islamic rules in the application distribution and storage of public funds into small pieces.

By: Subroto Hadisoegondo
Experts Ministry of Cooperatives and SMEs

Coorporate Culture

2011-03-30T20:32:00.004+07:00

It does not matter whether you lead a company with the style of a 'Boss' or style democrats and kinship. The important thing is whether your company capable of conducting our business well and salaries of employees remain safe.

Such opinions could be wrong, especially for employees who have served dozens of years, to be sure he was not going to be treated arbitrarily by superiors who nge-'bossy '. Although leadership styles play an important role, but other important keys, whether the company has a work culture that complied with by all employees and company owners.

Work culture is a system that can be written and its implementation could also just be a commitment to moral sanction. If all employees agree with that commitment, then a system called the corporate culture (corporate culture) has begun.

Understanding the actual corporate culture need not be too serious much less frowning. This concept is a main rule that refers to the prevailing social system in general. And every company also has a standard that is not uniform, but generally produce output in the form of reward and punishment (reward and punishment).
In order to reinforce the sustainability of an enterprise culture, the part assigned to formulate corporate legal aspects of implementing standard operating procedures, a guideline for employees to perform work in accordance fields and their respective positions.

If you want sinister connotations, corporate culture can be a harsh discipline on employees, especially in maintaining all information and company secrets, abide by company rules that if violated could be hit by sanctions in the form of a warning first, second and third. And further dismissed without severance pay. Duh cruel nian.

But if you want easy and somewhat inhuman, corporate culture can be implemented with an appeal that makes employees feel shame to break them. Examples like that I have ever seen in a company that put big writing on every wall of the office employees. The inscription reads about the details of SHY. Its contents include the following states: SHY if I arrive late, if not excel SHY, SHY if you fail to finish the job, and a number of other SHY said, that essentially encourage employees to compete in a healthy manner.

Ownership
Each employee will want to excel in his work. And each company will boost employee morale with the lure of salary and position the better. Therefore, companies that want to build a good working culture, it will put its employees as personal to be respected and appreciated.

With a more humanizing the work attitude of employees (not addressed as a machine) then the work motivation can be lifted and the emergence of a high sense of belonging to the company. They realize the fall and rise and companies will result in the same fate and their future.

In addition to improving employees' sense of belonging to the company, things that need to be done is the implementation of the consistent pattern of reward and punishment for the employee. That is, if the employee's work benefit the company, he is entitled to a reward (material and praise) and punishments (fines and reprimands) if the violation of company rules.

In order to implement these patterns, we need a condition of employment as follows:
1. Openness between management and employees on all matters related to the development level of the company, especially openness about corporate profits or losses.
2. Clarity between management and employees about the measures of success for each employee, which became the basis of work performance appraisal, linked to the pattern of reward and punishment.

Working conditions referred to, was created through a variety of everyday work habits, both managers and company owners. For that, the required behavior of the so-called corporate culture to meet two aspects: First, openness (transparency), as a way to build awareness for the whole party together. Second, accountability (accountability), as a way to build employee motivation to develop the company based on the position and capacity of each.

Openness, can only be built if all the employees even want to appreciate and share information pertaining to the development of the company. While accountability can be built if the employee has a habit of respect for the company as a common interest, so it's ready to take responsibility, maintain and develop the company according to its position and competence of each.

Meaning of The Indonesian Co-operative Symbol

2011-03-30T20:31:00.002+07:00

1. CHAIN symbolizes represents strong friendship.
2. GEAR symbolizes describes the continuity of productive work of co-operative.
3. GRAIN and COTTON symbolizes ilustrate the welfare of the whole community as the objective of co-operative work.
4. SCALE Symbolizes social justice as one of the co-operative principles.
5. STAR in SHIELD symbolizes Represent Pancasila as the National Principle.
6. BANYAN TREE symbolizes characterizes Indonesian people’s strong identity and co-operativeness.
7. INDONESIAN CO-OPERATIVE symbolizes the strong identity of Indonesian People’s co-operative.
8. RED and WHITE symbolizes Are colors that symbolize national character.

Sekilas Sejarah Koperasi Indonesia

2011-03-30T20:28:00.002+07:00

SOKRI 1947-1953
SENTRAL Organisasi Koperasi Rakyat Indonesia (SOKRI) nama organisasi gerakan koperasi Indonesia saat pertama kali dibentuk. Pembentukannya diprakarsai tokoh-tokoh koperasi Jawa Barat, yang dimotori R. Niti Sumantri. Seorang Ketua Pusat Koperasi Karesidenan Priangan sekaligus. Melalui Kongres Koperasi I yang digelar pada 11 sampai 14 Juli 1947 di Tasikmalaya, SOKRI terbentuk, dan R. Niti Sumantri, terpilih menjadi Ketua SOKRI periode pertama (1947-1953).

DKI 1953-1961
PADA Kongres Koperasi II tahun 1953 di Bandung, SOKRI berganti nama jadi Dewan Koperasi Indonesia (DKI). Di periode 1953-1956, Niti R. Sumantri masih memimpin. Lalu saat Kongres Koperasi III di Jakarta tahun 1956, Niti Sumantri diganti oleh Mr. Ismail Thayib sebagai Ketua Umum periode 1956-1959. Di masa ini, selain Ismail Thayib, kepengurusan mulai didominasi orang-orang Jakarta. Antara lain, Eddiwan dari IKPI (Sekjen) dan H. Djoenaid dari GKBI (Bendahara). Kemudian pada Kongres Koperasi IV yang diadakan di Surakarta, Jawa Tengah, 1959, terpilih Pandji Soeroso dari IKPN (sekarang IKPRI) sebagai Ketua Umum masa bakti 1959-1961.

KOKSI 1961-1965
PADA rapat gerakan koperasi di Surabaya, 1961, istilah untuk kongres diubah dengan sebutan Musyawarah Nasional Koperasi (Munaskop) ke-1. Selain itu, nama DKI diganti menjadi KOKSI (Kesatuan Organisasi Koperasi Seluruh Indonesia). Terpilih menjadi Ketua Umum, Achmadi, yang waktu itu masih menjabat sebagai Menteri Tenaga Kerja Transmigrasi dan Pembangunan Masyarakat Desa (Mentraskopda). Selanjutnya pada Munaskop ke-2 di Jakarta 1965, jabatan Ketua Umum digantikan oleh Achadi, juga sebagai Mentraskop.

GERKOPIN 1966-1970
RAPAT tahun 1966 di Jakarta, Munaskop berganti dengan sebutan Munas I Gerkopin. Ini terkait dengan berobahnya nama KOKSI menjadi Gerkopin (Gerakan Koperasi Indonesia). Ketua Umum terpilih yaitu Brigjen TNI KHMS Rahardjodikromo dari Inkopad.

DKI 1970-1977
PADA Munas II Gerkopin tahun 1970, di Jakarta, nama wadah gerakan koperasi Indonesia ini berubah lagi menjadi Dewan Koperasi Indonesia, disingkat DKI. Laksamana Pertama, R. Sardjoeno dari Inkopal, terpilih sebagai Ketua Umum periode 1970- 1973. Sedangkan pada Rapat Anggota DKI tahun 1974, terpilih R.P. Soeroso dari IKPN terpilih sebagai Ketua Umum untuk masa tugas 1974-1977. Rapat anggota ini diadakan bersamaan dengan usainya Munaskop IX. Munaskop Ke-IX itu, dimaksudkan untuk menyeragamkan sebutan rapat dan dihitung dari kongres pertama di Tasikmalaya.

DEKOPIN 1977-Sekarang
PADA Munaskop X 1977 di Jakarta, nama DKI diubah menjadi Dekopin, dengan kepanjangan tetap, yaitu Dewan Koperasi Indonesia. Nama-nama yang pernah duduk sebagai Ketua Umum Dekopin adalah Saptaji Hadiprawira dari Inkopad (1977-1980), Eddiwan dari IKPI (1980-1983), Soedarsono Hadisaputro (mantan Menteri Pertanian) (1983-1988), Sri Edi Swasono, Guru Besar Universitas Indonesia/Ketua Penasehat Bappenas (1988-1997), Sri Mulyono Herlambang (Marsekal Purn TNI-AU) dari Inkopabri (1997-1999), dan HM Nurdin Halid dari Induk KUD (1999-2004). Saat ini, Ketua Umum Dekopin dijabat Adi Sasono, tokoh LSM yang juga mantan Menteri Koperasi.

Eight Steps Start Your Business

2011-03-30T20:27:00.005+07:00

The economic crisis that came very narrow streak employment. Because many companies are bankrupt and lower production volumes so there is no other way except to lay off permanent employees. While the new labor force either graduated from high school and college bench continues to grow every year.

Observing these conditions to obtain a job was not easy. Especially after many companies impose outsourching, making job seekers have no value at all fresh. The company is determining when needed and when kicked. Just choose not contracted three months, six months or a maximum of one year. After it became unemployed immortal, because it is difficult to compete. Companies tend to choose new staff new graduate course, for those aged over 25 years the doors have been closed.

Still applying for very much. For those who get the opportunity to work and even then the model contract which has a connection. Being a purely speculate send a job application by mail or deposit to the security guard responded rarely, if after all also be called just a formality.

Well, while the lives and needs in turns to come. How can it be fulfilled if we do not have income. For that there is no other way except to change the mindset of looking for work to create jobs. Start a business or a successful entrepreneur.

In order to minimize risk of failure, before plunging into it would not hurt if we look at some successful tips. One of them is to follow the eight steps below.

Knowing or Recognize Self Potential
According to an analysis of successful business people who mostly have a pattern or properties such as, people who start their own and hardworking, people-oriented, courageous and did not hesitate in making decisions. In the lead can be trusted and his words can be held, responsible, industrious and resilient. Has good organization of regular and healthy.

In addition, should pay attention to things that are also highly influenced against any kind of business that will be practiced. Among others in the past work experience will determine the type of business that will start. Moreover, if already familiar with the products or services and industry, will usually be easier way to start a business. Because, usually in starting a business will be very complicated if both are equally a new start. Both new in the business (not experience) and not be aware of their products.

Plan
Before proceeding, you should plan what is appropriate business expertise or interest. Therefore, a good business plan is a guarantee for success. According to some surveys, planning right is the main determinant for the survival and growth of a business.

There are three fundamental reasons to make a business plan which was to determine eligibility, provide a written document and guide the handling of a real business.

A business plan must document the business aspects such as marketing, organization, and finance. Planning should begin an effort to determine whether the company would gain a profit or loss-on paper-before he quit his job.

Furthermore, the courage to take capital loans for the second time by making her home as security / collateral, and make a commitment to (convince) relatives and relatives about the possible risks and benefits. Business actors also have to determine how large the amount of capital required to start and run the business until the business can finance itself (standalone).

Also must strictly examine his own financial needs, as most new business in the early days could not pay the owner.

Usually the lenders (banks) and investors also want to see a business plan. Arrange in a trace and carefully plan our business, because this will show them that we have developed a business idea that can be implemented.

Funding
The next step is to seek or obtain funds for capital. First the easiest and secure the savings. Then use the property or personal assets as collateral to the creditor. Because usually the loan provider or investor will also require the form of legal documents, among others, collateral equal or even larger with the value of the borrowed funds. Operating revenues sufficient to pay the debt / loan, have experience of managing the business of the same type and has a commitment to greater personal finance.

Legal Matters (Law, Regulations, Permits, etc.)
Should we have obtained advice from an expert, such as lawyers, insurance agents, and accountants before deciding about whether his efforts will only have yourself (sole proprietorship), partnership (partnership), or in the form of a company (incorporation). However, if the businessmen will have an investor, a company would seem more appropriate.

Record Keeping
Data storage or good financial accounting system is very important to provide / provide information needed by investors, lending (banks) and government. The existence of the notes or recordings are very important for further planning and monitoring purposes. We need to know how much money is generated, any spending on anything, how much profit or loss, anyone who is indebted to the work done, and to whom we owe. Well, all these questions can be answered with system maintenance or storage of data (financial) good distinction transparent. Records or accounting data must be owned by new businesses, among others; Cheque Book Register indicating all checks issued, the date and amount of money on checks, check recipient, and a brief description about the type of expenditure. Cash receipts journal showing the money received or signed, dated receipt, the amount of money received, payer name, and description of the type of reception. General Ledger Accounts to Be Received (Accounts receivable ledger), or General Ledger Accounts Receivable, a register of money-money that is still not acceptable, which is the obligation of your customer to pay for your company. General Ledger Accounts to Be Paid (Accounts payable ledger), or the Debt Ledger, who noted the bills are still not paid by your company to the provider of services or goods (vendors).

Journal of payroll / wage that is used to track payments or penggajihan to employees and this includes things such as gross revenue and net income, individual income tax, and various other salary deductions, and General Ledger Inventory Control (Inventory control ledger) that records inventory purchased, inventory is sold, and inventory is still there. Inventory Ledger was only fitting that has a large inventory.

Insurance
Problem is also very necessary insurance. Before opening a business should have consulted with insurance agents regarding the protection of property / wealth, debt / liability, compensation for employees, vehicles, business interruption, health and life insurance. We have to get "bids" from several insurance agents, and then buy insurance and preferably from one agency alone. This will enable us to obtain services or better services. All insurance policies must also be reviewed every year - in line with business growth, the need asuransipun will increase.

Taxation
As a good citizen and an honest businessman always fulfilled its obligations to pay taxes. For that to understand and pay the appropriate tax laws, should consult with a public accountant. Diligent follow the seminar or workshop with the theme of taxation. Furthermore, the Register of business organizations to several relevant agencies in both the central and in the regions, and organizations in accordance with the cultivated field.

Relief / Help
In order business run smoothly and grow should indeed be supported by several important instruments. Make a "team of professional advisers," comprised of business counselor from Verja Joint Agreement (CLA), legal advisors, bankers and insurance agents.

Because, most successful businesses often received assistance from successful entrepreneurs. For example, when they met at a meeting organized by the Chamber of Commerce and Industry (Kadin) and with other related business organizations. If at that time asking for advice and willing to listen, then the chances of success will increase / wide.

In closing, anyone who fails to plan, then plan to fail. Anyone who fails to prepare, then prepare yourself to fail (those WHO fail to plan, plan to fail). We must take the time to make its business plan and learn as much as possible before making big decisions like that. Only then will the dream of owning a business will become a reality.

Business Loan Application Process

2011-03-30T20:26:00.005+07:00

For the entrepreneur who wants to expand her business but the knock limited capital owned by short-sighted, it never hurts to access capital from banks. Here are some step guide to get to the source of that capital. Because, rather than business people who need capital, banks also need the borrower. So, in fact not cheap capital poured from following some criteria must be met.

Banking much lately giving credits to businesses KUKM segment. There are even banks that set up the unit / special division that handles micro credit, such as Bank Danamon formed KUKM Center. Bukopin for example, from the beginning has been put Cooperatives and SMEs as a core business. This is intended to get closer to the KUKM bank. But unfortunately, many entrepreneurs among KUKM still giddy with the subject of the credit. This may be because of their ignorance about the ins and outs of credit application and pengucurannya. If you or your co-operative wanted to get a loan from the bank, then you need to know step by step that must be passed. Well, here is a process or workflow application and disbursement of loan:

1. Preparation Prior to the Bank
Before going to the bank, you should first prepare some important documents, such as: a) Creating bankable proposals (bank qualified) which includes, historical data business, business development (balance sheet and income statement); sources and uses of funds, type of , number, and credit usage; receipts and expenditure in the form of cash flow (cash flow). b) Administrative and legal business. If you have prepared all documents and files as supporting the loan application, the next step to meet a bank officer at the credit. Usually you will be given a form (field) application for credit.

2. Credit Application Form
In certain banks, your credit application form filled out by a bank officer. So, you just interviewed alone. However, it is possible, on the other bank you will fill out the form itself. Formlir it generally contains about personal data, business profiles, business experience, the number of managers, number of employees, type and marketing of products (goods or services) including raw materials, business turnover, profit margins on average, capital, collateral, purpose of the use of credit , credit needs, ownership of Guarantee, and so forth. Once the form completed and signed by you, and then handed back to the bank officer, then the bank will perform a variety of analysis on your loan application is.

3. Preliminary Analysis of Bank Officer
Initial analysis conducted by the bank, among others, a). Interview, which is useless to seek the truth data in the credit application form and required additional data bank. b) Call visit (visit the bank to your business premises). c) Call report (trip report)

4. Advanced Analysis by Banks
a. Financial analysis on several points, namely: i) Liquidity, the ability of a prototype effort in repaying debts due. ii) Leverage, measure how much the assets of borrowers being financed by a bank (lender). This calculation can be seen through a comparison of total debt held by its own capital, the ratio of total debt with its own capital, and the ratio between the net revenue interest to be paid. iii) the business activity, assessed by the bank through a comparison of payments received by inventory, sales comparisons with the stock's total assets and working capital turnover in a year. iv) the profitability or the ability to generate profits, measured by the ratio of net income by total assets, and net income comparisons with their own capital; b. Business Analysis / industry; c. Management Analysis; d. Juridical Analysis of Business; e. Character analysis; f. Security Analysis.

5. Approval / Denial of Credit
After doing the above analyzes, the bank will approve or reject your loan application. If the banks agree, then you (the debtor) will acquire offering letter (letter of conditional approval in principle) from the bank concerned.

6. Fastening / Credit Agreement
When you (the debtor) agree to the terms contained in the offering letter, it will be followed by binding of financing (credit) and guarantees.

7. Disbursement Credit (Financing)
After offering leffer followed by the binding / credit agreement (debts), then the next process is the withdrawal of funds. Each bank has different policies. For example, Bank Muamalat, you will not be given money in the form of cash, but the items you need according to your business. Selection of manufacturer or trader who sells regulated in agreements between debtors and creditors.

8. Monitoring
The Bank will conduct monitoring (supervision) of your efforts to run a sustainable (continuous) and rose to major. Nomitoring system implemented is at the discretion of each bank. Typically, the nature of reciprocity, you create a business activity report, and the banks will come to your business.

9. Debt Repayment
Debt that you get from the bank, have the right to be paid. Make budget provision for the budget every month from your business income. Good luck trying to become a successful entrepreneur, joined by hundreds of thousands of successful SMEs actors.

Procedures for Establishing Cooperative in Indonesian

2011-03-30T20:24:00.004+07:00

The Government was determined to make the step and strategic policy for the national economy is growing and is growing at a reasonable and proportionate. The commitment was made to prioritize the empowerment of cooperatives, small and medium enterprises.

In line with strategic policy to cultivate the national economy, Happenings and the ins and outs of co-operatives, would need to be kept informed to the public. That way, the cooperative as one economic institutions will be more to be understood and perceived benefits by the community.

To actualize this commitment, the government provide convenience to the public to develop through a cooperative effort. As the container business development, cooperatives are expected to improve the welfare of members at a growing spirit of economic democracy in society.

Various facilities have long cultivated the government. One of them by replacing the Presidential Instruction No. 4 / 1984 by Presidential Instruction No.18/1998 which were followed by the release of Decree No.139/1998. Such provisions essentially provide convenience to the public to establish cooperatives. Communities more flexibility to determine the scale / type of cooperative effort in accordance with the interests of members, without being tied to the name and work area cooperatives. In addition, the ratification deed cooperatives, also made easier, which is conducted by officials of Ministry of Cooperatives and Small and Medium-level Regency / Municipality.

But according to the time demands for equal legal power cooperative with the deeds of other business entities, cooperatives deed must be made by the Notary. Furthermore, the Ministry of Cooperatives and SMEs signed a memorandum of understanding (MoU) with the Indonesian Notaries Association (INI) on May 4, 2004, and issued Decree No. 98/KEP/M.KUKM/IX/2004 on Notary Deed For Makers Cooperative. So there is a change in the procedure of establishment of cooperatives is the process of making the deed of establishment, amendment and other deeds relating to the cooperative as a legal entity made before a notary. This is intended to improve the quality of legal services to the community.

In essence, based on the decree, the establishment of cooperative procedures involving notaries were still following the procedure. There are only a few steps that involve a notary, namely:

a. Meeting of the formation of cooperatives in addition to at least 20 people to invite prospective members, village officials, cooperative officials also invited the notary who has been appointed the founder of the cooperative, the notary who has authorized to execute the office in accordance with the position of notary, domiciled in the territory of the cooperative is located, and has a certificate of proof have followed the debriefing in the field of cooperatives signed by the minister of cooperatives and SMEs.
b. Notary who has made a deed of establishment of cooperatives in accordance with the legislation in force then read out and explained its contents to the founders, members or their proxies before signing the deed.
c. Then the deed of establishment of cooperatives that have been made public notary deed maker cooperative officials conveyed to the cooperative to request approval, in accordance with existing regulations.
Definition and Principles of Cooperation
Cooperative is a business entity consisting of a cooperative or a legal entity with bases its activities on the principle of cooperative movement as well as the people's economy is based on the principle of kinship.
All Cooperatives in Indonesia are required to apply and implement the principles of cooperatives, as follows:
a. Membership is voluntary and open.
b. Management conducted democratically.
c. Distribution of net income is fairly comparable to the size of the business services of each member.
d. Giving limited fringe benefits to capital.
e. Independence.
f. Cooperative education.
g. Cooperation among cooperatives.
Shape and Position
a. Cooperative consists of two forms, namely Primary Cooperatives and Secondary Cooperatives.
b. Primary Cooperative is a member of a cooperative, formed by at least 20 people.
c. Secondary Cooperative is a cooperative whose members Bodies Cooperative Law, which is formed by at least three Cooperatives that have been incorporated.
d. Formation of Cooperatives (Primary and Secondary) is done with the deed of incorporation containing the Articles of Association.
e. Cooperatives have a domicile in the territory of the Republic of Indonesia.
f. Cooperative obtain legal status after the deed of establishment approved by the government.
g. In Indonesia there are only two business entities that are recognized position as a legal entity, namely Cooperatives and Limited Liability Company (PT). So, position / status as a Cooperative cooperation with PT.

Preparation Establish Cooperative
a. Members of the public who will set up a cooperative must understand the intent and purpose of cooperatives and business activities to be carried out by cooperatives to increase revenues and benefits as possible for members. Basically, the cooperative was formed and established on the basis of similarity of economic interests.
b. For the people who will set up a cooperative to obtain understanding, purpose, goals, organizational structure, management, principles of cooperatives, and cooperative development prospects, then they can ask for counseling and education and training from the Office of the Ministry of Cooperatives and Small and Medium-local.

Cooperative Formation Meeting
a. The process begins with the establishment of a cooperative Cooperatives Establishment of the meeting by members of the public who become the founders. At that time they have to prepare the articles of association, determining the type of cooperative and its membership in accordance with the business activities of cooperatives that will establish, develop business plans, and initial balance of the cooperative. Basis for determining the types of cooperatives are common activities, interests and economic needs of its members. For example, the Cooperative Savings and Loans (KSP), Consumer Cooperatives, Cooperative Producers, Marketing Cooperatives and Cooperative Services.
b. Implementation of the founding meeting that was attended by the founders is stipulated in the Minutes of Meeting of the Formation and Establishment Act which contains the Articles of Association of Cooperatives.
c. Where appropriate, and at the request of the founders, the Officials of the Department of Cooperatives and Small and Medium Enterprises in the domicile of the founders may be required to be present to assist the smooth running of meetings and give necessary directives.
Validation of Legal Entity
a. The founders of cooperatives applying for approval of deed in writing to officials, attaching: i) Two copies of deed cooperative enough one of them stamped (attached Articles of Association of Cooperatives). ii) Minutes of Meeting of Formation. iii) inject capital letter proof. iv) The original plan of business activity.
b. Application for approval of Deed of Establishment to officials, depending on the form of a cooperative established and wide area cooperative membership is concerned, with the following requirements: i) The Head Office of the Ministry of Cooperatives and Small and Medium Regency / Municipality of deed endorsed cooperative whose members reside in the territory of District / Municipality. ii) The Head Office of the Department of Cooperatives and Small and Medium provincial / IN endorsed deed of Primary and Secondary co-operatives whose members reside in the province / DI concerned and Primary Cooperative whose members reside in several provinces / DI, but the cooperative is domiciled in the territory of the Regional Office concerned. iii) The Secretary General of the Ministry of Cooperatives and Small and Medium Enterprises (Centre) approve the deed of Secondary Cooperative, whose members reside in several provinces / IN.
c. In terms of the deed of ratification request was rejected, the reason for rejection was told by officials to the founders in writing no later than three months after receipt of the request.
d. Against the refusal of ratification of the founders of the deed may submit a request back in time within one month from the receipt of rejection.
e. The decision to re-submission of the request is given within a maximum period of one month after the submission of the request again.
f. Ratification of deed granted in a maximum period of three months after receipt of request for endorsement.
g. Ratification of the deed was published in State Gazette of the Republic of Indonesia.

Cooperative Association
Cooperative Association for at least contain the following provisions:
a. List the name of the founder.
b. Name and place of domicile.
c. The aims and objectives as well as business.
d. Provisions concerning the membership.
e. The provisions concerning the Meeting of Members.
f. Provisions concerning the management.
g. The provisions concerning the capital.
h. Provisions regarding the establishment period,
i. The provisions concerning the distribution of net income.
j. The provisions concerning sanctions.

These amendments must be made based on the decision Cooperative Meeting of Members held for that, and shall make minutes of meeting Member Cooperatives amendment. To changes in the Articles of Association relating to the merger, division, and changes in the field of cooperative effort sought approval to the government, by submitting in writing by the board to the Head Office of the Ministry of Cooperatives and Small and Medium for Primary and Secondary Cooperatives or local scale to the Minister of Cooperatives and Small and Secondary Education for Secondary Cooperatives nationwide.

Finally, the people who founded and later became members of cooperatives or activity must have the same economic interests. That means that not every person can set up or become members of cooperatives in the absence of clarity activities or economic interests.

Interpreted the same economic activity, have the same profession or business, while the same economic interests have interpreted the same economic needs. The people who will set up a cooperative is not in a state disability law, that is not serving or involved problems or legal disputes, both in civil and criminal. Businesses that will be implemented by the cooperative must be economically feasible. Economically feasible means that the business will be managed in an efficient and capable of providing economic benefits for its members.

Alone should be enough available capital to support business activities to be carried by the cooperatives. It was intended for cooperative activities to be carried out without closing the possibility of obtaining assistance, facilities and loans from outside parties.

Stewardship and management must be tailored to the business activities that will be undertaken to achieve efficiency in the management of cooperatives. Please note those who will be appointed / elected to the board should be someone who has the honesty, ability and leadership, for cooperative established that early on has had a powerful stewardship.

Proposal Submission for Small Medium Business Loan

2011-03-30T20:23:00.004+07:00

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

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

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

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

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

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

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

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

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

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

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

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

e Socioeconomic aspects
i) Any employment, explain whether the business is able to absorb labor, and how many workers absorbed. ii) The linkage effort, explain the business relationship with big business, with other small and medium businesses, with cooperatives and others. iii) Revenue, an explanation of your business will give improvement.

f. Financial history of business / cooperative
The financial statements of the business for at least the last two years include: i) the Balance Sheet. ii) The consolidated profit / loss. iii) The type, amount, and the use of credit. iv) cashflow (cash flow) and expenditure receipts furnished the factors that influence it. v) Administration and reports. vi) The purchase, production, and sale / export. vii) The data concerning human resources, capital, material and financial reports should be submitted complete and correct.

g. Financial Projections
Forms of financial projections:
- The capacity of the business, purchasing, and production.
- Data sales and exports.
- Project costs and financing plan.
- Budget cash (cash budget.)
- Consolidated revenue (profit / loss) pro forma.
- Pro forma balance sheet for the upcoming fiscal year.
- Source and use of funds.
The nature of the financial projections: realistic
Based on reasonable assumptions and may give a description about the possibility of profit or loss.

h. List of collateral that may be given, a form of collateral in the form of goods being financed and other collateral when deemed necessary. For example, land and buildings / machinery, vacant land, supplies and other goods.

i. Cover
Hope and gratitude on the part of banks.

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

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