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Posts Tagged ‘corporate assets’

Whatever its form is as simple as in any credit application to the bank is always accompanied by a proposal. Obviously the proposal made dependent on the amount of credit to be submitted.
Generally, the greater the number of credits required will be more comprehensive proposal. Even for a specific loan amount, the bank requested that the proposal is equipped with a feasibility study (feasibility study) made by independent consultants appointed by the bank.
There are many ways and techniques to make a proposal. However, the main essence of a proposal is contained explanation associated with such information that should be known to the banks so that bank officials facilitate understanding and processing the loan application. Simply an alternative may be used to make a proposal outlines the following:

Overview
Contains a description of the company’s identity and the type of work done the following information relating to licensing, corporate assets, as well as a brief overview of reasons to apply credits.

Marketing Aspect
Contains a good explanation relating to the implementation of the strategy and marketing for products and services offered. Also described how the opportunities in the face of competition, target market segmentation planned and intended market.

Production Aspect
Explanations relating to the technical aspects of a business unit of production. Of study are business locations, the use of raw materials and their sources, production processes, use of labor and fulfillment, as well as supporting infrastructure and facilities required.
When associated with investment projects should also be explained schedules and investment plans, including procurement of capital goods such as machinery and other support facilities.

Management Aspects
Explanations relating to corporate governance include the following organizational structure explanation, the structure of corporate management, and division of tasks for each manager.

Financial Aspects
Contains about corporate financial governance. These include the financial statements, sources and usage of funds, financial projections and sensitivity as well as cashflow.
Make proposals, as described above of course only an outline of an alternative course. In practice could be developed into a more comprehensive and even reverse simplified.

For the purposes of micro-credit, of course not necessary, detailed proposals and complete like a feasibility study. For the purposes of micro-credit to the above proposal may be submitted either verbally when applying for credit or a bank officer at the time of the visit to the location of the business. The bank officer will be advised if the micro entrepreneurs will have difficulty if required to make a written proposal.

Whatever the form of his proposal, the main essence of which must be submitted no other matters relating to data and information. Data and information is an important thing needed by the bank as the basis to perform credit analysis. Obviously the data and information submitted must be rational, accurate and relevant. It should be understood also that the data and information submitted to the banks will be confidential documents. For entrepreneurs who often feel reluctant to submit data and information by reason of fear that spread to his rivals. There is such a code of ethics that firmly held by the bank that all documents submitted to the bank kept confidential.

The issue is now how to begin. It’s simple. Suppose you told me about what has been, is and will be done on your efforts. If your business is certainly not difficult to explain it all. Your stay packaging in written form where it can be done to yourself or hire a professional party assistance.