Loan to Deposit Ratio (LDR)

Loan to Deposit Ratio (LDR) : Are you sure that the money you havve saving in bank safety at all? how about the Loan to Deposit Ratio in that bank? the average of Loan to Deposit Ratio now is on 60 % from all of clients' funds that was channeled into real sectors like into public, Certain Institutions, Employers etc.

Additional it all with a guaranteed form of fixed or movable goods the illiquid (not easily liquidated) and the risk of breakdown (NPL) is high?

And last, the residual of clients funds (40 %) invested into many sectors like :
1. Bank Sertificate
2. Foreign Exchange (money market) or the stock market (stock market) with a high degree of speculation.
3. Save the money in foreign bank in overseas

Fixed and Floating Interest

Fixed and Floating Interest : Hello, thanks for your visiting into this my blog. i hope i can give more functions from here. before this article we have write about an effective interest rate and a flat. today we want to talk little as an introduction with effective interest rate and a flat.

the diffeent between fixed interest with Floating interest is in payment period of loans untill full paymet. If you get a fixed interet in three (3) years its mean that you need to pay the cost in every month at least in three years future. how long you must pay the loans its accordings into the agreement of credit that written on the paper.

Floating have means bank interest can not be determined in how many time its must be pay untill full payment. because this float interest keep abreast of market.

There are many habit of mentioning in the instrument of credit loans, aan example : effective fixed, an effective floating, flat floating, flat fixed and others.

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Watch Effective Interest Rate and Flat

Watch effective interest rate and a flat : Watch effective interest rate and a flat : Something that must be watch and must be note before apply a credit loans is an instrument in installment repayment system in banking. this instrument called as an effective and flat. as the easy word to say about the meaning of that instrument ;

Effective calculation of the instrument means "the remaining credit limit has been paid out multiplied by the interest", and the Flat means "interest multiplied by the initial credit limit".

The remaining credit limit means in the first month after we were given credit loan each month then we will immediately pay the loan installment credit. means that next month the rest of our credit will be reduced because we have been paying the loan installments. and an effective intended to calculate the remaining credit that has been paid is based on the value or the rest of the final amount is multiplied by the interest payments that have been determined from the initial.

While Flat means mortgage payments will always be calculated based on the initial count of loans approved by banks, credit ceiling approved will be multiplied by the interest that has been determined from the start lending.

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How to get Loans and Credit without Collateral from Bank

How to get Loans and Credit without Collateral from Bank : some peoples especially who was have a careers and work in aa big and public corporation with good positions was very risk to ask the collateral from the loans that will be given by bank for them. so that, banking understand and can read this situation and make it as a chance. Banker known its very difficult to suggest and join the peoples with the good positions in big companies to ask them the loans.

So that, bank created one program that have the peoples with the good positions in big company as their program target. one of the flagship product of national and international banking is by issuing credit without collateral. and the result of this program was funtastic. much of the target take their credits. this fact make others bank to go with their new program in get more borrowers.

Today, credit without collateral listed as one of the flagship product of banking institutions, because of low bank interest, simply attach the ID card requirements, salary

Microfinance Institutions; How to Established a microfinance

Microfinance Institutions; How to Established a microfinance : As we have known, small businesses or micro-businesses is one of the root and source of economic stability in aone country. so we see the fact, althought moneter crisis was happening in most of countries in the world, its no effect for small and micro business. i think taht because of the small business have not or we say have just little rivals in their businesses.

So, if you can see this fact its better for you to take your profit in this segment and use this chance to get more profit. faster we take the chance we will get more in profit. if we have start our small business and then much peoples follow you in the same business, you can make you business bigger than them as a beginner, and put your business as the biggest one in that busines and you also can become the supplier or become a distributor for all of them the followers and beginners.

essentially, dont afraid to start your business althought in very small business. dont worry about the competition. because if you can thinking and creative thinking you will change the competition become the chance for you. for the example is what we was storied for you above. when many small and medium enterprises which began to advance and develop rapidly, meaning it's time for you to increase the degree of your business and you can start a business as a lender of capital and training center in that business.

With those all, You can also begin to look to open microfinance institutions to help them grow and self-aggrandizement. are you ready to Establish your microfinance Institutions?

Conventional Banking and Islamic Banking

Conventional Banking and Islamic Banking : When you look and read at this post tittle whats in your mind? yes, i think our mind will say that the title is about two contrast banking systems. we all have known from the long time about the conventional banking. its used the modern system and always updated according to market needs. the systems updated by economists and financial experts that the majority of western and not based on religious values. most of conventional banks are rooted and carried by all American and European nations that are easy not to use Islamic law.

And about Islamic Banking we think its the new term in our ears. Islamic banking is banking and financial that used an Islamic system in operational. in fact, this islamic banking system has long been exemplified in the time of the prophet Muhammad s.a.w. that spread throughout the country. with the increasing number of people who are sympathetic and embraced Islam, Islamic banking system is increasingly recognized and increasingly required. even now there are much countries with a big Muslim populations. almost in every place around the world today there are Muslim.

So, presence of Islamic banks has become a necessity, so that when this starts a lot of birth banks applying sharia in many countries around the world.


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Banking Management

Banking Management : One again the knowledge that must be known by academics, practitioners and Bankirs who want to build their careers in banking and who want to be a leader in their banking. Someting or one of that knowledge is a knowledge in Banking management.

Banking management teach us to manage banking institution seriously. and also to focused, hard work and have a smart work in this management. in other hand, we also must be patience and tolerance when we got many problems.

Its all we need in order our careers in banking rise to the top of career and we can become a manager in banking. so, we need to

How to Get a Car Loan Easyly

How to Get a Car Loan Easyly : Actually, to get a car loans its same with the tips in getting Mortages loan. you can read again my post before, about "an asy way to get mortages". in all of proccess to get a car loan its same with proccess in getting mortage loans. the different just in physical product. If you have submitted your mortages loan application, if the application approved, automatically you will get a cash money that you can use to buy a home.

And that also will you get if you have submitted you car loans applications, and its approved, you will get a new car or second hand car. and all of that of course with some Terms and Conditions from the company or bank where we get a loans.

So, you need to read and understand all of the terms and conditions in order you not have a problem in the future time.

Lets see a youtube video below about How To Get A Car Loan Fast, Even If You've Never Applied :



Risk Management

How to get a Mortage - An Easy way to Get a Mortages

How to get a Mortage - An Easy way to Get a Mortages : to have ahome was be dream and desire almost of peoples. because the home is one of the essential thing in the life. with home, peoples can shelter and do all of they privacies there. home also can unifying the family and have much function others. im sure all of us in our childhood can feel more comfortable in our parents home than in someone else's home so we always hear "Home Sweet Home".

Tricks How to Get a Mortages in Easy
Now, how can we get and have our own home? there are many ways we can do such as heritage homes, buy in cash, and buy home loan with mortages. and the third way was a most choice of peoples. if you also have chosen this way, below we will see how can we get a mortages loan by easy. if you have known the science, tricks and how it can, you will say that its easy to get a mortage.

In below tricks that i will share you, you must have a fixed income every month with it Bank will give you a loan. because bank need to ensure that you will able to pay the monthly fee in your credit. the first that you need to do before take a mortages : you need to look the home directly, know the area, know about home type and prices, and especially you need to know all of terms in that mortages.

the second is take comparisons between the banks that offer Down Payment and the monthly installment / fee. take the best of them all. its recommended you use the most famous bank in your city. you also must ensure about the certificate of ownership and rights to build.
Third : prepare your Down Payment about 30% and if you are still able to make payment in 40% of Down payment to your application can be immediately approved by the analysts of the bank.

Forth

Microcredit; An Easy way to get Microcredits

Microcredit; An Easy way to get Microcredits : microcredit is a program that intended for small and medium entrepreneurs in terms of capital. but the problom today is small and medium entrepreneurs have not know and not understand yet about this program. they dont know how to apply for micro credit loans. so that, lets us to share you about the methods and procedures of requirements so you can easily prepare to get micro credit from a bank with an easy way.

the first that small and medium entrepreneurs must know is small and medium enterprises are the businesses that strengthen the nation's economy. its also can help economic resilience all of countries in the world. so this businees must run well.

The most important again is many markets and opportunities that have not been worked out to perfection by the banking towards small and medium enterprise. whereas the benefits that offered are very large and lucrative. this situation can be a chance for all of entrepreneurs to float the business and its business so as to further raise and add a few branches.

How to get Microcredits in Easy way

several requirements that must be completed and provided by employers and applicants to apply for micro credit loans, are :
1. employers should have run its business at least 2 (two) years and has produced a net gain or profit that has been separated from all sorts of costs that must be paid

2. has a place of business as well as a viable business and strategic, so it can easily be visited by the customer and without any trouble to come and buy

3. have a guarantee that costs more expensive than loans

Ok, those some tips in order you can get microcredits easyly.

Marketing Revolution

Your Careers in Banking

Your Careers in Banking : we can find today, tehere are much parents want their son start the career from banking. althougt they dont know about the steps and how their son can be work in Banking. In their mind, when their son have a career in Banking its mean their son have much money and luxury. basically, that mind is not right at all and also not wrong at all. the truth is Banking hold and manage all of money from peoples who save in their bank. so it is undeniable that all it has to do with money and luxuries. but they have to manage all the money properly to get more profit in order welfare of employees and owner can be increased.

If bank can't manage the finance properly, bankruptcy can be happen. recently we see is the merger of several banks with many large and medium banks merger even some smaller banks so it can be good and healthy again, and there some banks are included in the management of the national banking restructuring agency because his condition is alarming and is tip of the horn of destruction and bankruptcy.

How to Increase your Careers in Banking
Ok, back to the point about your careers in Banking that you want to increase from zero, there are several divisions or sections in banking that you can take. first, from universities or institutions that was devoted in banking careers. if you as a fresh graduated from universities, you can start your career from staff back office positions in bank. and then you can

Bank Credit Card - An Easy Way to Get it

Bank Credit Card - An Easy Way to Get it : I think many peoples said that to get a credit card from bank they need an extra or hard job and very difficult. they think about this difficulty because they dont know about the procedure to get credit card from bank correctly. in the past time, internet marketers difficult to find a credit card, so that Virtual credit Card or VCC coming to give the solutions. but now, Paypal as an online payment was can use debit card from peoples savings in banks.

But still know, peoples still love and want to have and also use credit card. because that look like very easy and elegant.

How to Get A Credit Card

Actually ts very easy to get credit card from bank. you just need to complete what bank want and ask from you. better for you to prepare all of documents and files that bank ask before you apply for your credit card. and do not apply if there are still shortcomings and unfulfilled requirements such as I demonstrated below :

The first step is you must have an income not least at 400 US Dollars per month.
The second, you must have a permanent job.
the third you have a fixed home phone line like a telephone cable from the telecom and there is always someone who can lift the phone when in truth verification by the bank.
The forth, you must have a brothers or sisters in others place not in one home with you, in order bank can make them as a guarantor loans.

Self-employed and anyone picking up the phone at the time verified by the bank, and lastly make sure that the data you give on the application form credit card application is the same as its original state, and will be exactly the same and match the description will be given at the bank to verify by telephone to several telecom cables telephone above

If all conditions and requirements as well as the testimony given at the bank confirm to some telecom cables telephone is the same as what you write on the application form credit card, then 99% of your application will be approved even though the initial limit of very small, about 3 million as an initial limit and you can ask for limit increase every 3 months, provided with a note that your use of the maximum below 65% of the credit limit granted by the credit card issuer and make payments at least 30% of your total credit card usage

So, are you ready to apply for a credit card:)

Project Development; Officer Development Program

Project Development; Officer Development Program : one of the essential thing to improve and developt Banking is to develope human resource. and human resource development began in the central issue is raising Funding money such saving money, deposits, demand, stocks and mutual card, loans and others.

Spearheading to collect and disburse funds Funding Lending as much as possible to view and analyze the feasibility of the customer and the debtor are, of course there should be a division or professional employees who must do the important work is, and proffessional employees and are required to have a very tiny fraction of the qualities required once, because not everyone can run a job that some people are very heavy and impossible to do.

Who is responsible in bringing up the banking institution? None other than the employees of banking proffessional commonly referred to as the Sales Officer, Marketing Officer, Accounts Officer, or Officer Development Program, proffessional is a very important part and must obtain attention, and a very large commitment of all leaders who control the banking institution.

If the leaders and holders of the top leaders do not pay attention and make a special training for thespearheading, then the destruction of the banking institution can certainly be ruined within a relatively faster than usual, because that's in all the banking institutions do not want to experience the biggest mistake of this , so they dare to invest money from the overall spending in the banking institutions

According to research by leading experts in the world, all the big companies are created because in it there are some Marketing True that devotes itself to develop and focus in the sciences to develop themselves in order to sell more prodk they offer, and trying to

Risk Management; Definition and How we Manage it in Our Life

Risk Management Definition : One of the most essential in banking world is to manage a risk that can be found in every actions and activities in Banking. because a risk something that likely and there must be. In order to have a success business and activities in Banking, peoples must to watch dan limit the risk in all of activities.

If we demonstrated as an action that must be taken from a decision to be successful and success, like in business must have a very big risk if the benefits-even very large, for example, again in terms of working in companies, to be sure there is a risk that must be taken with firm, such as the risk of running out of time because the rules in working hours would not let us or stunned silence, the risk of being fired if it does not work properly and according to company regulations, health risks will worsen if not forget time for lunch and recess with sufficient.

Risk in our Life

We need always to remember that we must work to support our family or at least to support our selves. so that we must have a job. in other hand we can see that to start self-employed business, there are also we will see much risk from bankruptcy, possibility of destruction after tasting success and forget themselves in living. not at those all, when we learn how to carry a bicycle, and practice to carry a car or motor, we also meet with the word that can make peoples spirit and also make some peoples others weak. yes its a risk.

there are much example that we can found from our life about the risk. another example like the decision to get married. before get married, both bride and groom have understood what the risk that they canfound when they want to build a family. like risk about finance, risk in their health, until risk about divorce that can be happen in future.

So, How we Manage the Risk?

International Marketing Revolution - Understanding and Discussion

International Marketing Revolution - Understanding and Discussion : i think all of us ever hear the "revolution" word. such from the news, from entertainments, figures and others. the word that telling about something that new from before. here we want to share little about our mind about marketing revolution in International marketing.

Marketing and Revolution Meaning

Here we will see the meaning of Marketing and also the meaning of revolution. but before that we want to know what is the meaning and intent of Marketing revolution. we can say that the meaning of marketing revolutionsis "renewal in marketing". the gist is that changing how, systems, procedures, laws, and habits that made ​​for centuries and become raw and has no new breakthroughs are enlightening and fascinating in the field of marketing a product, whether it in goods or services.

So that what else was we done and what else we want to do, it all must be revise,reassessed, updated, and made ​​a new breakthrough, and even an idea that speckle ever done by anyone before, so it can produce something astounding, amazing, incredible and awesome that unprecedented before.

What should we Do

we can not expect awesome results if we stick with the old ways, ways that have traveled and performed for many years, because things have been tried, or has been carried out to produce something like the results that have been done and produce an outcome that can be predicted according to the abilities and the results of the largest ever realized and achieved, and never too far different from that previously.

That's why it must be created and made ​​a breakthrough ideas and

Banking, an Introduction and How we use and Maximize Bank

Banking, an Introduction and How we use and Maximize Bank : Hello all, this is my first post in simple blog of mine. in this Blog i want to share you about what i have and what i know and understand about Banking. from the introduction of Banking, what is a Banking, how Banking runs, ISlamic or sharia Banking, Banking terms and others that can help us in order we familiar with banking.

As we have known, Banking was become a part of much peoples now. we can see much of peoples come into bank with many purpose, like want to save their money, want to borrow money by loan facilities in bank, and other purposes. and we also can see there was a full activities of Bank, so that they have much branch offices in many areas and centered in the capital.

Another Banking Features and Facilities

Another facilities that provided by Bank usually we can use it like payment of household bills (paid home phone, electricity, etc.), credit card bills, bills credit loans without collateral, and the most popular now is loans using collateral.

With all of those functions in Banking, Bank must have much regulations to keep it well. so, they have many terms and setting in their system. In this blog, i will share to you my beloved friends all about banking information that you need to know it.

I Hope this simple blog not only give "simple" and little benefit, but i hope this blog can give you much benefit from us.

Thanks