Business and Finance Lectures

Archive for December, 2011

As an entrepreneur, I met a lot of friends entrepreneurs who run businesses with different styles. There is a businessman friend who uses what we call management or entrepreneurship as a style of “managerial”, but there also does business with the use of force

I guess, with any style of entrepreneurship that we apply to our business, we remain an important business can be run and developed. It all really depends on each one of us. Originally we established with this style, so just do it. Because, if we’ve established, then the business that we run now would be more steady success.

There have been many proven, that employers who use the style of entrepreneurship  proved its success. This style puts four functions of management, namely production, marketing, human resources, and finance, focusing on the entrepreneur. My friend own tremendous success with this style.

In the skipper usually prefer to work as employees only, and do not be surprised if we later become difficult to distinguish the role. Can at times be an entrepreneur or business owner, business as well as employees, as finances, and so forth. It was once again due to a-4 management functions do for himself. While employees who work in his company, only serves the job or technical delegates only. In the meantime, there is another friend of mine who runs so engrossed with the persistent style entrepreneurship “managerial”. This means that all four management functions delegated to managers at the company. And, it turns out the style of “managerial” is also equally able to succeed.

We observe managerial style does tend to make us more willing to delegate and responsible to the manager or our employees. We also encourage them to provide opportunities improve achievement. Temperance like this do not exist in the style of Faced with two choices that, ultimately it depends on our own. We want to choose the style of entrepreneurship which one we like. Are we going to choose the “managerial” or  important of all it depends on stability of our

Myth or perceived “bad debt”, it could really be wrong. True debt is bad, if we owe too much, just for consumptive purposes. But if the debt is used by us to do business or enterprise, then the assumption that debt is bad is wrong. I agree, if we have personal debt, should be tailored to ability. Not a lot. And make sure that our debts are paid.

In business, when our business began to grow, certainly in desperate need of additional working capital and investment. If we want to progress, then the debt for a business not a problem, it is very necessary. Origin we can use it right, it will only make our business more developed. For instance, we have a capital of USD 10 million. From the capital we gain 20%, then the profit we earn Rp 2 million. But if from Rp 10 million we could bring in additional capital of USD 90 million of debt, so the capital to Rp 100 million, then 20% of our profits to Rp 20 million. From here we can compare how our profit before and after receiving capital from the outside. It’s simple math.

Many ways to get debt. For example through the bank. But the banks in providing loans must have seen our credibility. If we are good business, why are we afraid of debt. Due to the added capital, then our business will be better. So that our business grows, its positive impact can create new jobs.

Working capital loan is one form of debt that we can use. And capital that we can continue to use, because the system Account Statement, which we pay interest on the loan balance that we use. Each maturity can be extended. Even if our business moving forward, then we can apply again as needed extra credit. The important thing in the owe no slightest thought or intention to plangent or no pay. We must have good intentions to keep the agreement with the bank credit agreement.

Kta need to know, the Bank itself in its operation always collect funds. Both of these functions must be balanced. In lending, the Bank itself expects a gain for smooth operation and improving the welfare of employees, as well as the development of the bank itself. As for us who use credit so that the business was growing, then its positive impact, employee welfare will increase. Dissimilar necessity, banks and employers’ mutual cooperation, mutual support.

Actually, a person who has a bad image in her debt, basically because of the broken promises, can not pay or even plangent not want to pay. But there is also a bad image are created by those who do not believe for a debt. So as compensation annoyance, they spread rumors, that debt is bad. Assumption like that should not have happened, because what we are doing it for the betterment of our business. Unfortunately, most people believe about it. Yet if we want to exist and progress in business, one step that sniper is to be willing and able to utilize funds from other parties. To do this it required courage and optimism. We could have a sense of optimism even with their own capital, although some say, the business capital of our own selfish means, not social, not for-for profit. And from a spiritual aspect, in my opinion, the more we involve the funds of others to grow the business, so the more people come pray for our business. Conversely, if our business using their own capital, so that we only pray for our own business. Dare to try?

In an entrepreneurial training program held Entrepreneur University, some time ago, I asked participants, “How are we self-employed but do not have the capital?” I replied, “the key, windfall!” That stands for “Courageous, Optimistic, Money, Other People.

That is, if we dare to become entrepreneurs or entrepreneurs, of course, we must have courage. Not only dare to dream, but also dare to try, dare to fail, and dare to succeed. I think this is important and we must have. In addition, we also have to be optimistic, it will always be confident about the future, confident in the ability, and also stop the flow of negative thoughts.

And, we do not easily believe in the myth which says, that these efforts could not have started with knee capital. Similarly, the myth says, that the knee capital means starting small – scale. I believe that if we believe that our business will do, must be able to walk. Even if later in the middle of our street capital difficulties, suppose it is only natural in the business. Because, in fact one of the characteristics of business or to grow our business is always just a lack of capital. If we grow the business forward and increase turnover, then also required to provide additional capital.

In short, with turnover rising, we are faced with the difficulty of capital, we need money. Money it can from where? If you have a legacy and not saving a lot of problems. If not there? Money that we can get from other people money or debt. Moreover, capital entrepreneur whose name is the knees. So no dengkulpun, can borrow someone Else’s knee. Or let’s say, ultimately in bank debt, or debt means that we can prove that we are trustworthy. Credible …

So the greater our debt to the bank and is not jammed, the greater the confidence in our banks. So confides an entrepreneur is measured by how big the debt gets, and we are increasingly respected. Therefore, our debt rose flowers are used to finance the bank’s operations, including salaries of the employees and the interest of the depositors.

Remember, the bank’s business one source of income from interest on the loan. That we owe to that used to develop the business, then of course it’s not impossible to precipitant gangplank new work. That sang ant useful. Is that his name is not noble?

Business opportunities for women, is actually very large. Not just for now, but also for the time to come. In fact, business opportunity Entrepreneur woman is actually bigger than the male entrepreneur.

That’s because he has a surplus. The surplus is located precisely on the “feminine”. Wherein, the figure of the woman entrepreneur is superior in the negotiations. That’s probably because of flexibility or flexibility. Or the term Temple G. Brush, assistant professor of management police of Boston University, entrepreneurial women are more cooperative, informal, and easier to build consensus with other parties.

Preferably, the male entrepreneur tend to be more competitive, more formal impressed, and prefer to think systematically.

Moreover, in my opinion, women entrepreneurs also tend to be more intuitionist business. So I’m sure, if able to develop its advantages, it also will expand its business certainly remarkable. As if we see, the success of women entrepreneurs

Only, unfortunately, I saw a woman entrepreneur is generally known too careful in doing business, and even too afraid to take risks. Thus, if the weakness of governance that does not work properly, it will clearly result in the number of women entrepreneurs who jumped into the business world at present, relatively small.

For example are relatively fewer in number than if we compare it with the members of the Chamber of Commerce or similar organization  or a “male”. Perhaps it could have been because most businesses are owned by women entrepreneurs, much less than if they worked on a Vendor. As revealed by a study from the Institute for Women’s Policy Research in Washington DC.

Meanwhile, mergers Lovero, director of the Entrepreneurial Center at Manhattan College said, that it is difficult to develop women entrepreneurs forward, also because they tend to maintain his small business. Because, for him to be great, but rather on a desire to try to support himself or standalone, bring balance and flexibility in managing their daily time. But if he worked at another company, flexibility does not get.

In this context, perhaps it’s good business right now among women entrepreneurs, need to be encouraged on the business activities of domestic industry, the more likely the business or entrepreneurial spirit can continue to grow. Therefore, I think even the courage of women in the corporate world to pursue not for the courage that made the male entrepreneurs, women entrepreneurs  if you want to grow his business, he should dare to take risks, and more willing to establish business networks more broadly.