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Kelas EU " Perbankan"

Dalam kelas EU kali ini membahas tentang dunia perbankan yang menyoroti topik tentang "Bank Sumber Modal yang Murah". Ternyata bagi kita yang ingin terjun di dunia Pengusaha haruslah akrab dengan Bank, dan dikatakan pula bahwa Berhutang di Bank itu adalah mulia. Karena ketika kita tiap bulan bayar bunga, berarti tangan kita pada posisi di ATAS, dan itu lebih mulia dari tangan di BAWAH.

Untuk dapat pinjaman dari Bank tidak lah mudah. Ada beberapa kriteria yang harus dipenuhi oleh seorang calon debitur Bank. Diantaranya adalah tidak terdaftar dalam SID yang bermasalah (black list), untuk jumlah tertentu harus ada agunan, sudah memiliki usaha, mempunyai buku tabungan / rek. korang yang cantik, punya kredibilitas, dan punya legalitas usaha (SIUP/NPWP/TDP/Akte).

Ketika permohonan kredit kita dipenuhi oleh Bank, diharapkan kita sebagai pengusaha/ calon pengusaha haruslah menjaga kredibitas kita sebagai nasabah dengan cara cicilan tepat waktu. Biasanya Bank akan menawari lagi kredit dengan plafon lebih besar apabila kita mampu membayar cicilan dengan lancar. Dan apabila dengan berjalannya waktu kita terkendala dengan cicilan, apakah mungkin karena usaha kita yang kurang berhasil atau karena adanya bencana (kebakaran). Maka diharapkan kita dapat menyelesaikan dengan baik-baik dalam artian tidak menghindar dari tanggung jawab. Misalnya dalam bentuk Keterbukaan tentang apa yang kita alami, Pegang teguh komitmen untuk membayar, Niat baik, Proaktif, Kooperatif, dll.

Salam fUantaTIC,

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