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A business plan has the following advantages

It helps to convince others of the planned projects: If someone has worked out a business plan, one can assume that he is intellectually engaged intensively with the project and has the serious intention to implement the project.
It is essential to raise capital: Without representation of the economics of the concept, it would be extremely difficult to attract investors.
It offers the opportunity for success: The plan is the starting point for each controlling. Each step can be retraced. Any deviation requires an evaluation and possible adjustment of the plan. Imbalances at an early stage, appropriate measures are taken.
He forces us to systematically approach: When creating a business plan, the author is forced to think through everything logically and systematically. Knowledge gaps are visible. Problems are identified. Decisions must be made. It must be considered alternatives.
It gives an overview: The finished business plan pieces together into a whole. All parts must fit. The dimension of the proposed project is visible.
It increases the chances of success: A nobody would begin construction without a blueprint. This means that a per-elaborated business plan makes the implementation of a business idea very much easier. That increase the chances of success by creating a business plan, is now confirmed by the practice. Because a faulty plan, serious deviations from the plan or a non-existent plan is the most common causes for the failure of an establishment in Germany.
It helps to better assess risks: The implementation of a business idea is always associated with risks. Risks may arise within the company itself or from the market. Risks can not be excluded. But careful planning and an awareness that in one case or another there is a risk, mitigate the negative consequences of declining significantly. Identified risks can be mitigated or eliminated, for example through financial reserves.
It helps identify dependencies: Even if a business plan is divided into separate modules, so it is important that all the chapters fit together content and the project is consistent. Make statements to the target group have an impact on the marketing plan. The communication plan must deal with corresponding figures in the budget are back. Planned revenues affect the capital requirements. If the business plan is completed, it becomes clear whether all the chapters fit together at the end of a business plan.

Whenever a business idea to be implemented concretely in a start-up projects, a business plan is needed. It does not matter how big the foundation’s projects. If someone opened a flower shop, the person needs a business plan just as if a new innovative production process was developed. The questions are the same. Only the scope of the plan will vary. But start-ups are contrary to popular opinion now no longer the only area of business plans. In large corporations it has become conventional to work with product launches, corporate expansions or purchases with the tool “business plan”.

Business plans are used for the following occasions:

• reestablishment
  succession planning
  Company sale or acquisition
  Structural change and realignment
  fusion
  cooperation
  new product introduction
  Expansion into other markets
  capital
  IPO
  Applying for public funding
  Obtaining extension of credit from the bank
  investment decisions
  Strategic planning and operational business plan update

Investors are advised to read carefully the derivative contract facilities before investing in this product. If necessary, investors are asking all the worst that may happen before signing the contract agreement.

Yes, again this ancient principles need to be reminded to investors because many investors assessed the lazy to read the contract agreement and the original play’s signature alone. In fact, whether of family education or education at the school during his childhood, surely everyone has heard the adage ‘Researching before you buy’.

“This is not to blame the investors. But sometimes the pursuit of foreign investors only interest without regard to the contents of the contract. This is what often creates problems in derivative contracts, in most cases about derivative transactions unfolding global financial markets after the collapse of the third quarter of 2008, arguably most of the blame lies on the part of investors rather than the financial institutions that provide facilities derivatives.

“I see, so far as giving the bank facility was very obedient derivatives regulation. But it sometimes raises a number of issues which I think is caused by several factors,”  the most important factors that could potentially cause problems is the lack of knowledge of derivatives investors about investing in derivative products. According to him, investors sometimes forget that investing always has risks.

“Most investors think the investment is always safe and there is no risk. And one of the main principles of investment are always risks of investment. Typically, a result of this mindset, when their investment income, appear was a commotion. His bank was to blame and so on. And if seen, the banks have been very obedient rule anyway, still expressed the possibility of bank marketing team is pursuing a strategy of giving facilities derivative derivative product sales packaging with very fine, so it managed to attract investors to buy their products without doing a deeper explanation about the products they sell.

“If this had happened and the customer has a signature, the bank is not in the wrong position. Therefore, it is important investors take an active role before signing the contract agreement. If investors need to ask all the worst that might happen,” said Aviliani.

Moreover, continued Aviliani, investors must ask the underlying funds where they will be placed later. According to him, this is very important because many derivatives contracts that seemed to give promise of the return (return) is impossible.

“There are some cases where a derivative product offering returns of up to 30%. It’s impossible. Investors need to know where their funds are placed later. Investors must ask the underlying derivative products they buy,”The development of derivative products is very fast, even beyond the speed of adaptation of regulations governing the subject. I see the banks are quite cautious in following the development of derivatives. But to watch is the derivative products issued by non-bank institutions, because more lax oversight, “said Aviliani.

Aviliani said the supervision of Bank Indonesia (BI) to the banking institutions in derivative products has been quite tight. This is proved by a ban on banks sell derivative products that are speculative in December 2008.

Capital market authority has always said it was difficult to recover money lost because of capital market products are not insured by the government and declared it as an investment risk.

However justify the events in the capital market as an investment risk to be borne by the customer so it does not have a chance to save their funds again.

Or perhaps it is not the risk of investment, but more because of weak supervision. And obviously the company that operates it is legal institutions and legal entities registered in the state official.

However investors who are victims are generally very aware of investment risks that are always touted disembowel capital market authority. If the stock price plummeted investors can understand, if the price of mutual fund investors plunged know if that’s any investment risk.

But the problem, why the investment is lost and embezzled by the ‘person’ is still called the investment risk.

Observers capital markets, investment, finance and banking Prof. Dr. Adler Haymans Manurung SE, M. Com, ME, SH explicitly says there is a very clear distinction between investment risk and the risk of outside investment.

“The risk of investments is the risk that exist within the scope of investment, but only to the extent that Adler said, indeed there are some risks that could affect either directly or indirectly on investment. But according to him should be distinguished from investment risk.

“The risks from the outside that could affect actual investment is referred to as regulatory risk. This should be distinguished from risk investment,” said Adler.

According to Adler, the investment risk only covers the risk of stock price movements, the risk of chance, risk, liquidity risk, exchange rate changes, interest rate risks and other risks that are directly related to the position of one’s investment.

“For example, macro economic issues. This could have an effect on one’s investment position and movement of the index as a whole. It could also be included in the risk of investment,” explains Adler.

But according to Adler, there is such a regulatory risk that in fact should be distinguished from what is called the investment risk.

“In it there are investors investing as a principal regulator of investment and there is a supervisor. Regulator includes a facilitator in charge of ensuring the security of investment facilities,” explains Adler.

Well, according to Adler, regulators and investment facilitator has the task of ensuring the security of investment, which is not the territory of investors.

“Investors do not need to think about safety regulations and facilities in its investments. That is your job as regulator and facilitator,” explains Adler.

Therefore, Adler stressed the role of regulator and facilitator is crucial in ensuring the security of investments. Adler said, investors should not need to be charged with the regulation should take into account the investment risk.

“The things that become the investors and investors must be taken into account only the investment risk,” says Adler.

But this time, continued Adler, inevitably investors should take into account the risk of regulatory capital markets because of the number of cases that arise, not because of the risk of investment, but because the behavior of regulator and facilitator of less guarantee the security of investors.

Many are predicting the year 2010 was a year of recovery of the global economic crisis. But not a few who still put up cautious attitude continued even predicted the coming crisis of global crisis stage two aliases.

Before going further, let’s rewind a little to recall the conditions that occurred in past crises 2007-2008. Is an innovative product called the Subprime Mortgage who becomes the main cause.

Subprime is a loan (mortgage) at high risk are offered with attractive option, at least look like it. In the first year, Sub prime borrowers are not charged interest. The new interest rate charged after the first year.

This product is an attractive choice for lower-class communities in the United States (U.S.), because it makes them have the opportunity to have their own home. So many devotees, named Subprime mortgage bonds are also traded in capital markets with a variety of derivatives innovation.

Almost all major banks in the U.S. and Europe to invest in this product. Subprime product value is unsparing reached U.S. $ 1.5 trillion.

But unexpectedly, so the first year passed, the surprise came. Subprime customers apparently many are not able to repay the following principal interest has begun to wear after a year. As a result, major banks in the U.S. and Europe haunted by failure to pay is not absurdly responsibility.

Not only the U.S. and Europe, the impact is felt almost the entire world economy and capital markets, including Indonesia. A total of 123 banks in the U.S. was finally registered bankruptcy. Stock market indices around the world also experienced a sharp correction in the top 50% in just one year.

Fortunately, in 2009 the positive sentiment and spirit of optimism to lift back the indices of global stock markets from collapse. And in 2010, with the same spirit, it is hoped will be a year of recovery.

Unfortunately, the road of recovery and restructuring is unlikely to pass easily and smoothly. According to VP of Research & Analys PT Valbury Asia Securities Nico Omer Jonckheere, the world still has to go through two stages of the global crisis.

“The recession may have ended, but the depression was beginning. The real crisis is still ahead of us,” he said in a talk with detikFinance some time ago.

According to him, most people are too happy with the euphoria of the recovery in 2009, so missed seeing the signs of the crisis continued. Nico explains, Subprime Mortgage may have passed. However, he asserted, Subprime Mortgage is not the only high-risk mortgage products in the U.S..

Products mentioned Nico is mortgage product called Alt-A and Option ARM. Both products are often known as Ninja loans (No Income, No Job and Assets), which means mortgages for people who have no income, employment and collateral.

The difference with the Alt-A Subprime and Option ARM gives customers the flexibility to pay the mortgage during the first 5 years. After 5 years will be subject to periodic adjustment of rates.

“After 5 years, the average increase in interest rates reached 80%,” he said.

According to him, this product is also a time bomb that could be judged to have an impact even greater than Subprime. If the value of Subprime was only U.S. $ 1.5 trillion, the Alt-A and Option ARM respectively to reach U.S. $ 2.5 trillion and U.S. $ 500 billion. The total value of these two products reached U.S. $ 3 trillion.

“So the property market looks stable now, just waiting for the time of adjustment of mortgage rates that will begin this year (2010-2011),” he said.

If Subprime worth U.S. $ 1.5 trillion alone makes the world in shambles, you can imagine what would happen if it turns out customers products and Alt-A Option ARM also could not repay the interest after the adjustment of interest will occur mid-year 2010.

In addition, Nico also saw commercial property loans already showing signs of collapse. For the record, the value of commercial real estate loans in the U.S. reached U.S. $ 3.5 trillion.

“Commercial property prices fell by more than 34% during 2009. Customers who fail to pay the mortgage increased from 1% to 9%. The value of default rose 423% to U.S. $ 52.7 billion from the year 2008 amounted to U.S. $ 12.5 billion,” Nico said.

The volume of commercial property transactions, continued Nico, a sharp decrease of the amount of U.S. $ 133.2 billion in 2007 to U.S. $ 4.8 billion in the first quarter of 2009.

“About 90 thousand in the U.S. commercial property is currently not occupied, empty,” said Nico.

In addition, added Nico, more than 2,600 banks in the U.S. has a portfolio of commercial property loans above 300% of specified risk limits (risk based capital).

“Therefore, hundreds of small and medium-sized banks in the U.S. who have provided loans for commercial property must prepare to face the huge losses that may inundate their resources,” he said.

Nico also said that during the year 2009, banks worldwide have been doing the bleaching of debt worth U.S. $ 1 trillion due to the increased defaults. He estimates, the bleaching of debt that will be the world’s banks during the year 2010 will reach U.S. $ 1.5 trillion.

“In mid 2010, the losses at U.S. banks will exceed the great depression of 1929,” he said.

U.S. job market is also assessed Nico potentially increased sharply up to the level of 13%. According to him, the current condition of U.S. society is very bad.

“1 of 9 Americans, or about 39 million people, depend on the Food Stamp (food stamps) are provided by the federal government,” he said.

If you have this, he added, economic conditions will certainly mendek. Without a new job then there is no income. Without income, there is no purchase of goods and services. Without the purchase, corporate profits will not increase. And finally there are no new job creation.

Severity of the current global economic conditions, according to Nico because the economic system has driven debt is too big, so it stuck on the condition of excess debt.

Based on IMF data as disclosed Nico, the debt of countries that are members of the G20 forum expected to rise on average to a level of 118.4% of the total GDP of its member countries in 2014.

“The main problem of the world economy is now no shortage of money, but the excess debt. The main problem the U.S. economy is still recovering property market, soaring government debt, high unemployment, the credit is not flowing,” he explained.

Nico also predicts the appearance of disappointing economic indicators of developed countries. Then would appear the company reports an increase in net income that is not supported by increased sales.

That means more profit improvement driven by efficiency rather than by increased demand in the market. Purchasing power has not increased. In addition, the price to earnings ratio (PER) of stocks in the U.S. have reached 26 times, a level considered too high Nico.

Over a number of his analysis, he urged market participants more cautious in making investment measures. Because, if the depression does occur, the stock indices around the world will again fall.

“Dow Jones will penetrate the lowest level in past crises at the level of 6469.95. It falls within the range of 3800-5000. JCI could fall back below 2,000 and even below 1,000,” he said.

Nevertheless, market participants suggest Nico made a sale of at least 50% of the portfolio shares into cash. Because cash is required to make purchases when stock prices were collapsing.

“In addition to securing funding, if the market falls, it could make purchases when prices are cheap. You did not earn the maximum profit potential, but you also will not feel hurt,” he said.

“And, keep in mind that every crisis or danger in the fact offer many opportunities. Now the international stock valuations are still expensive, but after the next crash will most likely all of the shares can be purchased at the price it is tempting,

Credit system is the flow of money, based on trust, from those who lend to people who borrow, and vice versa. There is an understanding that the money lent will be returned within a certain timeframe. In order to keep the system functioning, the borrower must repay the debt on time. Too many failures can cause fatal damage to the system. Understanding the credit system to help you manage your loan better.

Credit Basis

The flow of money including the complex and multidimensional. Even in the relationship between people who borrow money and those who lend money, which seems simple, though. People who lend money have a method to assess the suitability of the borrowers are creditworthy. Over time, this method should continue to be developed so that more and more sophisticated. He also had a variety of ways to manage different levels of risk, which arise when dealing with a number of borrowers. These methods named flowers and assurance.

Banks and Credit

When disburse loans to customers, the bank should pursue its own existence that money. Able to collect money to shareholders. Or, the largest source of financing, customer deposit liability form. When significant amounts of bad loans (unpaid or delayed repayment), the bank can-can deliver on its own difficulties. Alias ​​crisis.

Managing Risks

Where there are buyers and sellers, there is a transaction. Where no transaction, there is a price. The interest rate is the price of a loan or credit transaction. Borrowers, aka debtor, enjoy the use of instant cash, while the lenders, creditors alias, lost benefits. Given the expense of lenders use the money immediately, in addition to refund the money, there is also compensation they should receive. Price to be paid by the debtor for having enjoyed the use of instant money belongs to creditors. Compensation was named interest. The interest rate is the price of credit. Each price in a market economy is determined by demand and supply. Also the interest rate, determined by demand and supply of credit, in addition to the magnitude of risk and duration of the loan. If necessary, the lender will ask for collateral or security. In its most basic form, the guarantee is an asset that can be taken over ownership by creditors if the debtor fails to fulfill the terms and conditions of the loan. Creditors to require security for several reasons. One of them, may be, the loan period is extended, while lenders are reluctant to be bound in a commitment for that long without security protection. Alternatively, the debtor has less than ideal credit history; guarantee must be provided so that the creditor believes he would not get stuck in bad loans. Debtors with a high personal risk (such as stunt car driver, for example) are usually required to provide collateral when applying for a loan. Wounds caused by accident could also do away with his ability to pay off debt.

ADB cuts Asia Economic Growth Projection to 7.5%

The Asian Development Bank (Asian Development Bank / ADB) Asia’s economic growth forecast slashed this year and next year as the impact of declining exports.

At the beginning of the year, the ADB project, Asia’s economic growth this year has the potential to penetrate the level of 7.8 percent. The slowing world economic growth encouraged the ADB to revise the forecast and lowered to 7.5 percent. The same is done for the ADB Asia’s economic growth projections in 2012. Initially, the ADB forecast, the economy in the countries of the Asia grew 7.7 percent. However, the projection was revised down to a level of 7.5 percent.

Financial crisis and debt crisis that hit the United States (U.S.) and countries in Europe, impacting negatively on countries in Asia. “On the same occasion, the high demand for domestic consumption and trade in regional expansion can help to level the solid growth,” said ADB Chief Economist Changyong Rhee through a press release in Jakarta.

The increase in prices of some commodities are also considered a threat to some countries in Asia. This could potentially lead to inflation pressure is predicted to reach 5.8 percent this year, up from an earlier projection of 5.3 percent.

Meanwhile, countries in East Asia remains a key Asian growth, with projected growth of about 8.1 percent this year, and slightly lower than previously forecast at 8.4 percent level. This triggered a drop in China’s trade.

Economic growth in South Asia are also expected to slow this year, because some countries are still struggling to control inflation. Next year, growth potential is higher and led by India.

While its growth forecast for Southeast Asia and Central Asia also slowed, one each in the range of 5.4 percent and 6.1 percent this year. “Oil production in Azerbaijan became problematic ballast Asian economic growth overall,” said Changyong

Managing Bank Loans with Good

Bijaklah in utilizing credit facilities from banks. It would be more balk if the use of bank loans for business development, not to be a start-up capital. Regardless of what type of loan like unsecured credit, and so on.

According Irdawati, Woods Scortha owners who sell a variety of Teak wood furniture products, use of bank credit would be more helpful in developing the business. “Because we already know the pros and cons of our efforts, so the size of the loan and the mortgage is paid can be measured.” he said.

It is done when it gets an offer Irdawati credit from Bank DKI first Rp 50 million in 2005. That’s when he needs capital to open a branch and the Bank DKI provides ease in lending and financial management training program.

The result, Irdawati business forward. He then expanded his business by re-borrowing from the Bank’s capital Jakarta is Rp 200 million, three years later.

“My business is fast forward and get the ease of borrowing again for not having a problem in paying the installments. That’s because I already feel the Uku-llku become big business until then. Once expanded, all so much easier. I have strong financial management . “he said.

Unlike when using capital as loans without collateral from the bank in a pioneering effort, lrdawatl cautioned. If financial management is weak, it will make the effort collapsed and difficult to pay the mortgage loan. It would be more balk if the pioneering efforts using their own capital. It can reduce the risk.

Other messages, for a pioneering new venture. Do not ever give up during their process. Focus on what the business field and has always believed that the goods sold are the best.

Tips for Choosing Souvenir Marriage

In the printing business, Souvenir Marriage is one of the leading mold products other than marriage invitation of the most widely hunted consumers. Complementary aspect of invitation printing business and the needs of various Souvenir & Souvenir aka Unique wedding souvenirs wedding souvenirs is a variant of cheap / Souvenir Promotion marriage but with a good level of quality

Marriage is a special day full of happiness that can not be forgotten just like that, especially by those who are happy bride and family. Do not forget to thank our guests who have helped with the feeling of excitement. A form of gratitude to the wedding invitation, is presented as a souvenir beautiful memories and also a sign of gratitude for their willingness to attend.

This has already become a tradition that often do the bridal couple. Unique Souvenir Collection itself is very diverse kinds, some companies engaged in the service of marriage there are indeed specifically provides a collection of craft souvenirs to be an option. In addition to its shape, the price was too diverse. To choose carefully here we provide excellent tips for buying souvenirs of your marriage:

Choose a simple

The more simple the cheap souvenir models. Because the value of a gift is affected by the price of materials and level of difficulty in the manufacturing process. Eg handicrafts. For that, choose a shape is relatively small with a simpler design craft. To further save time, you can simply select the creations of various souvenirs are already available on the market. Can you find in a modern market or on the sidewalk, a lot of choices on offer. With straight down to the market like this, it could be will bring new ideas to buy various souvenirs creations that have not occurred previously. Or maybe even provide inspiration for creating your own creations.

Notice Number

Book a souvenir at the gift shop such as handicrafts in large quantities can reduce the budget if the unit price is calculated. However, it would be much better if we prepare the souvenirs were 10% more than the total number of needs, this is to anticipate the possibility of additional needs. Do not let the fact there is a shortage in time. Buying a wedding souvenirs in bulk also influences the price reduction. Ask for discount on the purchase of wedding souvenirs that you do.

Marriage invitation is also Souvenirs

It lived on your own creations or you can ask for examples of where / Souvenir Shop you order wedding invitations from many wedding invitation printing that can make your invitations as well as a souvenir. You can specify your own ideas or replicate an existing collection plus a few modifications to give a new impression. Like for example, an invitation which can also serve as a calendar, memo, compact disc, photo frames, and other forms of unique souvenirs.

Views on the Souvenir Special Marriage or marriage invitation you can make the invitation more enthusiastic to attend your wedding.

Finance Minister Agus Martowardojo seems not yet given the green light to the Asian Development Bank (ADB) to issue government securities or bonds denominated in dollars.

Agus Marto explains the government is preparing treasury management systems and system asset management abilities better with internal reforming and coordination in advance and discussed with Bank Indonesia (BI).

“If this is true we are only able to manage foreign loans,” he said in Jakarta last weekend.

Thus, he continued the existing system will be treated better. “Target with preparing treasury management systems and asset liability system is that we can manage foreign loans well,” he said.

Once the treasury management system and asset liability system is completed, the new government will issue bonds in rupiah. “If now I do not allow the issuance of bonds in the form of dollars, because we are not ready,” he said.

Agus added treasury management systems and asset liability if the system can be solved and truly understand the benefits and risks, the new government will begin to manage with better financing, including by issuing bonds in the form of dollars. “So far it has not been authorized by me,” he said.

Previous ADB needs to issue bonds with currency. In addition to ADB’s rupiah has also issued bonds with currency yuan. ADB has issued bonds three times since 2005 yuan, increasing 3.2 billion yuan (USD495 million) for projects in mainland China.