MANAGEMENT LOAN CAPITAL FOR MERCHANTS AND ENTREPRENEURS

In every business traveler and business person would have suffered a setback in the progress and effort. Often times an entrepreneur or business people forget the plan A, B and C. in a travel business and business stand any chance that will happen is very essential, as an example that I saw in some medium business sector in Indonesia country (my country) the ordinary business which we call the businessman they are rarely (even not never at all) will prepare the worst possibilities that will occur later in the course of their business. In one of the world economy in state law that the best hope but be prepared with the worst that will happen on the business in which we live.

Some survey I did of them in some sectors of trade, home business, and businesses that are capital intensive (larger here's what I mean, huge by Indonesian society with initial capital of 100 million dollars more)

FIRST
TRADITIONAL MARKET TRADE
Of the surveys that I can in some places such as local Surakarta, Yogyakarta, Semarang, Bandung, Garut, malang, bali and lombok mostly market traders are very tied to the loan capital is not money that would help them raise their businesses in commerce, they are trapped in perimeter payable at the small banks that are borrowing from someone who has some money and then be developed by way of savings and loans are basically small bank actors (or commonly called private banks) which stressed the loans are beneficial on their own without looking at the symptoms cause and effect that would do to them that these small traders, which ultimately led to a growing pile of debt be caught in a snare make this small traders.

For example I've ever done, and naturally when it became a clerk in a koprasi savings and loans in Sukoharjo, Central Java (this is included in the research agenda and proving me personally) then I as an officer of such koprasi seeking customers to markets with the traditional agenda of prospective borrowers looking for capital with the loan scale of 25 thousand dollars up to a maximum limit of 2 million dollars, when I observe in the process that I experienced was the capital severely impaired borrowers, because of data and the fact that I get when working as a clerk in the savings and loan koprasi I see traders make the event object to enrich and fraud and manipulation of existing capital to achieve its own without seeing any economic problems that will be covered by traditional market traders in the future later. If a trader borrows capital market amounted to 100 thousand dollars so he must return with payment term of 10 thousand dollars per day in the multiply by 12 days, so from 100 thousand dollars of savings and loans are issued koprasi they get a profit of 20 thousand dollars of principal and interest pieces required for 5 thousand dollars and mandatory savings customers by 5 thousand dollars. Although the savings will be taken back but in reality have a savings that the customer will never be in want (of course with a variety of weld koprasi savings and loan owner is) not to mention the added koprasi with the officer who often cheated in the calculations installments by borrowers such capital.

From the above symptoms can we conclude that the existence of small business management training among market traders need to be held by the government as a form of government will concern the fate of the market traders. And the expected society own 9 mainly market traders may prepare the worst things that would naturally at a later date their later. As a simple example, if traders experience advantage of the capital that he had these traders should be set aside for 20 to 30 percent of her net income as savings, and then 30 percent again in made to meet their daily needs while the rest as additional capital to develop business their live. If the merchant market would react like that I believe will be able to prevent the need for capital by borrowing beyond the ability of these traders.

SECOND
SMALL HOME INDUSTRY
The survey I conducted in several places with different categories but have in common the same case. I do surveys on employers meatballs, Wonogiri batik keris Surakarta, kaos Dagadu jogjakarta, vegetable farmers in the town of arrowroot, and small industries in areas such as t-shirts bandung, medical devices, akasesoris motorcycles and cars.

In a survey I get the error information and the procurement of goods that often they experience and often the payment problem between the small businessman with the buyer or the buyer of goods. As an example the case of which the late payment from a buyer of goods to these small entrepreneurs. At that time I became somebody regulatory and marketing executive in a tomato plantation owned by a small businessman who comes from the Dutch, he had a land in the tomatoes planted to vegetables and fruits that in preparing for the daily needs of local communities and to be marketed in some places such as hotels, supermarkets, cafes, discos and places serving food nightspots. At that time she capitalize approximately 145 million dollars for the initial capital investment of tomato seedlings, it includes the cost of purchasing tomato seedlings, the cost of buying fertilizer plant, employees and marketing. In marketing in the market sector she's not very experienced many obstacles in payment accuracy problems, but problems started when he tried market tomatoes to hotels, supermarkets and places of food stalls that scale more than 20 million dollars per transaction. Lack of legal power in the transaction and tends to underestimate in this transaction which resulted in these small entrepreneurs suffer losses that continue to go on, which ultimately impact on all employees, such as employee wages that can not timely, employee wages less than minimum wage areas and frequent occurrence of salary payment in the pay of more than 2 times. should be within one month of an employee receive a salary of 1 million dollars, because employers are experiencing the end they pay the late payment of salaries of employees in gradually to 3 times 300.300, then the final month of 400 thousand dollars.

Should these small entrepreneurs from the initial planing to prepare a business working well, for example if we want to establish a business with an initial capital of 5o million dollars with total whole, ought to prospective employers large or small they are preparing their capital rather than just 50 million dollars alone, but at least they can prepare for initial capital equal to 4 times the total capital he needs. If the initial capital of the whole requires a capital of 50 million dollars, should a would-be entrepreneurs can prepare for a total initial capital of 4 x 50 million dollars, amounting to 200 million rupiah (minimum capital he was supposed to have 200 million dollars) so when there are problems that will he not disturb the natural way and he's in the field of business development industry is large or small business. And the mistake of thinking and understanding of business for most people is:

Not ready capital and market knowledge which will he live in that area.
The existence of knowledge and understanding of the world business industrial.
Making capital from bank loans is the basic foundation of a business.
Less prepare management and business development with good.
Not many business partners that they have in the midwife who will be in the live business.

Those are some factors that are common and often experienced by the would-be entrepreneurs who want to make a business they become mini-enterprise or industry is good and right. On the plus again by not having good financial management will result in the detrimental have consequences their own business later.

THIRD
BUSINESS FRANCHISE
My survey was conducted in several business enterprises which are many branches and place, such as internet cafes, café, Restaurant, entertainment, and some businesses are similar thereto. As an illustration as I survey at a coffee shop café business.

Coffee shop business is a business that we can say that the entertainment business in bet the investment world, can even be as attractive investment to be made in the driving force to open another business. For example, we often get an idea or a new idea in starting from just we just chatted with our friends or colleagues, while enjoying a cup of tea or a cup of hot coffee, from which the commencement of a business idea in developing the business.

COFFEE SHOP or what we often call with CAFÉ COFFEE, now again become a trend or a lifestyle people to spend time after a tired working all day or just to be made in a gathering place with colleagues, friends, or even often made in place for conduct business negotiations and meetings with labor relations.

Increasing number of unemployment and the increasing number of problems that arise that make people need a place to calm down, looking for inspiration and are also seeking business ideas to continue their lives, from here the idea of a coffee shop / café, coffee / coffee shops began springing up or many founded by several business people. From being merely a simple coffee shop to coffee shop which is equipped with a variety of excellent facilities, from the start just sitting in Lesbian by using makeshift mats to provide special room facilities that can be in a message to several people, from the start there is entertainment with just a radio or television until that is equipped with free internet access along with computer and also notbook, even is also equipped with a movie room with only enough for 60-20 people.

The price of coffee also varies, from which valuable Rp.1000, 00 - (thousand dollars) to a price that can be said really does not make economic sense for us the middle downwards, you try to imagine a cup of coffee at a price of Rp . 218,000,00 - (two hundred and eighteen thousand dollars) equivalent to $ 23.7 per cup. A very expensive price for a cup of coffee for the people of Indonesia that the average population is only lower-middle economy. From here we can see that the more advanced a country is also increasing in the level of problems faced by society, at a time like this people need a place to calm down or just to unwind.

Among the coffee shop (coffee shop) in Indonesia among OWN CAFÉ located in Jogjakarta, COFFEE BREAK in Bali, Lombok and in the city of Surakarta, JCO who was in almost every town, OLA-LA is in almost every town there, and many more who do not may I say or I write here. From every coffee café that I often go to the average income per day (for the record average coffee café or coffee shop is open from 4 pm until the morning between the hours of 3 or 4 am) but there is also open 24 hours a day without the holiday though. On average their income in one day at least above 5 million a day. An extraordinary income, you try to imagine, we only sell coffee, but our income exceeds a director of a private bank or country of residence. If you want to try to count them then we can mabil average income of entrepreneurs CoFe (coffee shop) is less than the number of Rp. 150,000,000 .- (one hundred and fifty million rupiah) IN THE MONTH. A figure which is fantastic, just from selling coffee drinks only.

The lack of a franchise business like this is the number of people who finally modeled a similar trade without changing anything, that finally have consequences the market downturn and its consumers, not to mention the existence of a less healthy business competition in some respects.

Let us take advantage of a business opportunity that is still not much we can see, we observe and we develop, there are still many areas in Indonesia that have not been entirely untouched by the outside world and the world of business, such as Wamena, kutaikartanegara, Bangka Belitung and many other tourism sites and business locations in Indonesia which has not been published to this vast world.

BEMARKING PLAN MARKETING MANAGEMENT
Definition of Marketing or Marketing is a blend of activities that are interconnected to understand consumers' needs and develop the promotion, distribution, service and prices for consumer needs can be satisfied with either at a certain profit level. With the consumer marketing no longer need to meet the individual needs individually with exchanges between consumers and marketing principals so that consumers will have plenty of time for activities that are controlled or preferred.

Marketing Functions:
Exchange Function
By marketing the buyer to purchase products from manufacturers either by swapping money with the product or exchange the product with products (barter) for his own use or for resale.

Physical Distribution Function
Physical distribution of a product is done by transporting and storing products. Products are transported from the producers approached the needs of consumers in many ways either through water, land, air, etc.. Storage products put forward to maintain the supply of products to avoid shortages when required.

Intermediary Functions
To deliver a product from producer to consumer's hand can be done pelalui marketing intermediary that links the exchange activity with physical distribution. Activities intermediary functions such as risk reduction, financing, information search and standardization / classification of products.

Understanding marketing management
marketing management is one of the main activities will be undertaken by the company to maintain the continuity of the company, to develop and to obtain marketing laba.proses it started long before the goods in production, and does not end with the marketing company must also penjualan.kegiatan give satisfaction to the consumer if they want to continue running their business or consumer has a better view of his company.

By the definition of marketing management is analyzing, planning, implementation, and monitoring programs which lead to an exchange with a market aimed at heading reply with a view to achieving corporate objectives.

Functions
Explanation of the marketing function which is integrated and mutually supportive activities, among others:
Marketing planning
Determination of everything prior to marketing activities
include: objectives, strategies, policies and tactics are executed.

Objectives:
Remove the uncertainty the future if there were changes because of the situation and condition of the company and outside the company and outside the company is uncertain.
For purposes of the organization has focused on the planning will avoid the diversion goal.
although plaen expensive but economical because all activities have been focused with all fees and charges.

Detailed marketing plan is needed for any business, product or brand. As a minimum requirement planning must contain the following sections:

For the executive summary:
Presents a brief view on the proposed plan to be reviewed quickly by management.

Current marketing situation:
a came relevant background data on markets, products, competition and distribution.

Analysis of threats and opportunities:
Identify major threats and opportunities that may affect the product.

Goals and issues:
Targeting companies for products in the areas of sales, market share, profits and issues that will affect this target.

Marketing strategy:
Presenting a broad marketing approach, which will be used to brand [ai targets in the plan.

Courses of action:
Specifying what will be done, who will do it, when and at what cost.

Budget:
Laboratory profit and loss forecast projected that the expected financial results from earlier plans.

Control:
Shows how progress will be monitored plan.

Marketing Implementation
Is a process that turns marketing strategies and plans into marketing actions to reach the target. Implementation includes daily activities, from month to month that effectively melalsanakan marketing plan. This activity takes action programs that draw all men or all activities and the formal organizational structure can play an important role in implementing the marketing strategy.

A successful implementation depends on several key activities, namely:
Organizing marketing activities, namely:

The process of creating a relationship between fungis personnel and physical factors (means), for marketing activities that should be able mancapai the correct destination, including: the division of labor, authority, responsibilities and reporting work.
Objectives:
everyone in the organization responsible for
carry out marketing activities that have been charged to him so that no overlapping of work.

A common form in modern marketing department, among others:
functional organization in which a variety of different marketing activities are headed by functional specialists: sales management, advertising, marketing research, customer service, new product management.

Geographic organization, where the sales and marketing employees were given the task in a country, region or a particular district.

Organization of product management, marketing and employee inin develop a complete strategy for a particular product or brand, when the company has a lot of product or brand that is very different.

If the firm which sells one product line to many different types of markets that have a market management organization. These managers are responsible for developing long-term plans and annual reports to the main advantages of this system is that companies organized around specific needs of customer segments.

Direction of marketing activities, namely:
Activities related to all things marketing activities for all it can be done well, including:

Giving orders is good, there must be follow-up, in senderhana, need the understanding and explanation so that there should be consultative in nature.
Motivation
Leadership

By directing all the activities that deviate will be detected and leadership can provide motivation to produce something that is in line with expectations and to be harmonization between members of the organization / firm.
Coordinating marketing activities, namely:
Effort to synchronize and integrate all marketing activities within the organization to achieve the goal of effective and efficient.

The ways to run an effective coordination, with a variety of ways, namely:
Held a bright and clear procedures and determined the date of completion (deadlines)
Coordination done formally through staff leadership aide, a liaison officer penitia or no formal contact was made permanent.

Control / evaluation of marketing activities, namely:
Effort to provide guidance on its implementation so that they always act in accordance with the plan, including:
Determination Standard
Supervision or inspection activities
Comparison of results with the Standard
Activity corrected Standard

Control activities / evaluation of the above can be classified two kinds:
Control operacional including checking ongoing performance against the annual plan and take corrective action if necessary.

The goal:
is to ensure that the company achieved sales, profit, and other targets set out in its annual plan. These activities also include the determination of products, regions, markets and different channels that can bring profit.


Strategic control includes observation of whether the basic strategy of the company in accordance with the opportunities that are open. Strategy and marketing programs can be outdated in a short time and every company should periodically reassess the overall approach to the market

Marketing function
Marketing focuses on the complex activity that Hars displays clear purpose and a common exchange. These activities include the purchase, sale, transportation, finance, marketing and risk-taking research.

Marketing concept
As a business philosophy, marketing concepts aimed at providing satisfaction to the desires and oriented to the needs of consumers. This is a fundamental business philosophy is different from previous product-oriented and sales.
In definitive, the concept of marketing is a business philosophy which states that the satisfaction of consumer needs is an economic and social conditions for the survival of the company.

Elements of the marketing concept:
1. Market orientation
2. Preparation of marketing activities run private integral
3. Consumer Satisfaction
4. Marketing
5. Marketing begins with the fulfillment of human needs which later grew into human
desire
6. Process in fulfilling the needs and desires of people who become the marketing
concept.

Marketing mix or marketing mix:
Marketing mix are the four components in the marketing of which consists of:
1. Product (product)
2. Price (price)
3. Place (place, also including distribution)
4. Promotion (promotion)

Marketing is considered as an art than a science, then a marketing expert depend more heavily on the skills of the considerations in making policy on a particular science-oriented. Economists Views on marketing is in creating the time, the place where the product is needed or desired and then submit the product to satisfy consumer needs and wants.

Hopefully a little glimpse of this info could be useful for you all. In another time I will explain the back several irregularities and obstacles that we face in business and commerce.

EXPECT THE BEST AND WORST THING FOR PREPARE WILL HAPPEN IN OUR BUSINESS