Often in business we need capital. Of course, this capital can be borrowed from banks or institutions other than banks. Of course, with borrowing on financial institutions other than banks will be charged a higher interest rate.
The following definitions explain some of the institutions other than banks which cover several fields, namely:
a. Leasing (Leasing)
b. Venture Capital
c. Factoring (factoring)
d. Business Credit Card
e. Consumer Financing (consumers finance)
Explanation:
a. Leases (Leasing)
The word actually comes from the word lease to lease, which shall mean renting. Leasing as a type of activity can be said is new or young in the activities carried out in Indonesia, which is just used in 1974. In Indonesia alone there are already some leasing companies whose status as a non-bank financial institutions.
Leasing function actually almost level with the banks, namely as a source of medium term financing (from one year to five years). Until now there is no specific law governing leasing. However, the practice of leasing business has grown rapidly, and to anticipate the need for a law to have a clear and definite grip.
Monday, December 20, 2010
An Asset Theory of Investment Portfolio
If we talk about the portfolio, then we can not be separated from the name of assets, especially in this case the financial asset. As according to Economics Professor Frederic S. Mishkin in his book entitled "The Economics of Money, Banking, and Financial Markets", there are four important factors that determine the demand from some form of asset, namely:
1. Wealth (wealth), is the total from all funding sources that are owned by individuals, including all types of assets. As our wealth increases, tu means we have more sources of funds available to buy assets, and thus the required amount of assets increased. Therefore, the impact of changes in wealth on demand is a positive asset, which means an increase in wealth increases the number of asset demand (ceteris paribus).
1. Wealth (wealth), is the total from all funding sources that are owned by individuals, including all types of assets. As our wealth increases, tu means we have more sources of funds available to buy assets, and thus the required amount of assets increased. Therefore, the impact of changes in wealth on demand is a positive asset, which means an increase in wealth increases the number of asset demand (ceteris paribus).
4 The cause of Indonesia's Economic Crisis of 1997-1998, What will Repeated in Economic Crisis Now?
Various studies that examine the Asian financial crisis have been carried out, from different angles as well. Generally seen a pattern and characteristics that apply equally across the country were hit by the crisis. However, in terms of its depth and duration, Indonesia can be said to be very unique. It's hard to find the comparison, perhaps the most appropriate country to compare the time it is Russia, and now maybe Argentina. Therefore, in the following descriptions we will examine briefly why the crisis in Indonesia was so severe, and why recovery is so slow.
In introspection, we must admit that the crisis in Indonesia is really unexpected coming, absolutely it was unprecedented. As noted by Furman and Stiglitz (1998), that among the 34 countries with problems are taken as samples (sample) study, Indonesia was the country hardest hit by the crisis are not expected when compared with other countries in the sample, these. When Thailand began showing symptoms of the crisis, people generally believe that Indonesia will not meet the same fate. Indonesian economic fundamentals are strong enough to withstand credible external shock (external shock) due to the fall of the Thai economy.
Here are four causes of Indonesia's Economic Crisis of 1997-1998:
In introspection, we must admit that the crisis in Indonesia is really unexpected coming, absolutely it was unprecedented. As noted by Furman and Stiglitz (1998), that among the 34 countries with problems are taken as samples (sample) study, Indonesia was the country hardest hit by the crisis are not expected when compared with other countries in the sample, these. When Thailand began showing symptoms of the crisis, people generally believe that Indonesia will not meet the same fate. Indonesian economic fundamentals are strong enough to withstand credible external shock (external shock) due to the fall of the Thai economy.
Here are four causes of Indonesia's Economic Crisis of 1997-1998:
Secrets of Creating a Powerful Writing
Almost all marketing activities involving writing. Most advertisements in various media has two main elements, namely pictures and writings. Advertising messages delivered through pictures and writings.
Even in an advertorial ad, writing is more dominant than the picture. Likewise, when you submit the offer letter via post or e-mail. The words in writing can convince prospects. However, not all papers can attract readers' attention.
Here are nine secrets to make a strong and persuasive writing, which may motivate readers to act.
Secret # 1: Writing is interesting to someone.
Try to compare the three following statement:
(1) How to increase marketing results;
(2) How can marketers improve marketing results;
(3) How can you improve the marketing.
In the third sentence, when the word "you" is used, direct the reader to see and feel that he became the focus of the text. So, when marketers use the word "you", greeted the prospect of direct feel and felt himself to be the focus of the marketing message. When in school we are taught to write to a third person, but in our marketing writing for the second person, always greet the reader as "you".
Even in an advertorial ad, writing is more dominant than the picture. Likewise, when you submit the offer letter via post or e-mail. The words in writing can convince prospects. However, not all papers can attract readers' attention.
Here are nine secrets to make a strong and persuasive writing, which may motivate readers to act.
Secret # 1: Writing is interesting to someone.
Try to compare the three following statement:
(1) How to increase marketing results;
(2) How can marketers improve marketing results;
(3) How can you improve the marketing.
In the third sentence, when the word "you" is used, direct the reader to see and feel that he became the focus of the text. So, when marketers use the word "you", greeted the prospect of direct feel and felt himself to be the focus of the marketing message. When in school we are taught to write to a third person, but in our marketing writing for the second person, always greet the reader as "you".
IMF Reform Soon In Start !
The International Monetary Fund or the International Monetary Fund (IMF) is an international organization that is responsible in regulating the global financial system and provide loans to member nations to help the problems of financial balance of each country. One mission is to help countries experiencing serious economic difficulties, and in return, these countries are required to establish certain policies, such as privatization of state enterprises.
Member countries of the G-20 agreed to conduct a massive reform in the body of the International Monetary Fund (IMF). This was done in the middle of a shift map of world economic power. In these reforms, new economic powers like China the world will be given a large share of power in decision making at the IMF. The finance ministers of the G-20 meeting in South Korea decided to reform, after going through various efforts for years to make the sound power in the IMF shifted to countries with new economic powers like China and India.
Member countries of the G-20 agreed to conduct a massive reform in the body of the International Monetary Fund (IMF). This was done in the middle of a shift map of world economic power. In these reforms, new economic powers like China the world will be given a large share of power in decision making at the IMF. The finance ministers of the G-20 meeting in South Korea decided to reform, after going through various efforts for years to make the sound power in the IMF shifted to countries with new economic powers like China and India.
Monday, December 13, 2010
Health Indicators of Banks and Financial Ratios
Financial ratios that are indicators of the soundness of a bank that could affect the growth rate of shares retun. Among its capital adequacy ratio (CAR), non-perfoming loans (NPLs), return on equity (ROE) and loan to deposit ratio (LDR). Here's his explanation.
1. Capital Adequacy Ratio (CAR)CAR is one of the health indicators of bank capital. Assessment is an assessment of capital adequacy of bank capital to cover risk exposure of current and anticipated future risk exposure.
CAR shows how much the bank has adequate capital to support its needs and as a basis for assessing the prospects for the continuation of the relevant bank's business.The greater the CAR, the greater durability of the bank concerned in the face of shrinking value of bank assets that arise because of the troubled property.
In accordance with Bank Indonesia Regulation No. 6/10/PBI/2004 dated 12 April 2004 on the Rating System for Commercial Banks, the higher the value of CAR showed that the more healthy banks. If the CAR of a bank is high, public confidence in the banks will be even greater, increasing the value of the company's stock.Increasing the value of shares will increase the growth of stock returns will be accepted investors.
1. Capital Adequacy Ratio (CAR)CAR is one of the health indicators of bank capital. Assessment is an assessment of capital adequacy of bank capital to cover risk exposure of current and anticipated future risk exposure.
CAR shows how much the bank has adequate capital to support its needs and as a basis for assessing the prospects for the continuation of the relevant bank's business.The greater the CAR, the greater durability of the bank concerned in the face of shrinking value of bank assets that arise because of the troubled property.
In accordance with Bank Indonesia Regulation No. 6/10/PBI/2004 dated 12 April 2004 on the Rating System for Commercial Banks, the higher the value of CAR showed that the more healthy banks. If the CAR of a bank is high, public confidence in the banks will be even greater, increasing the value of the company's stock.Increasing the value of shares will increase the growth of stock returns will be accepted investors.
Definition of Management by the Experts
Any person, firm, even to the country also needs management. Ask why? What is the definition of management? Read the explanations below.
Management definition according to the Experts:1. According to Drs. SP. Siagian in the book "PHILOSOPHY OF ADMINISTRATION" MANAGEMENT CAN BE DEFINED AS "SKILL OR ABILITY TO OBTAIN A RESULT OF ACHIEVEMENT GOALS IN ORDER THROUGH OTHER PEOPLE."WITH SUCH may also SAY THAT IS THE CORE THAN ADMINISTRATIVE MANAGEMENT IS MANAGEMENT IS AN INSTRUMENT FOR IMPLEMENTING MAJOR THAN administration "
Management definition according to the Experts:1. According to Drs. SP. Siagian in the book "PHILOSOPHY OF ADMINISTRATION" MANAGEMENT CAN BE DEFINED AS "SKILL OR ABILITY TO OBTAIN A RESULT OF ACHIEVEMENT GOALS IN ORDER THROUGH OTHER PEOPLE."WITH SUCH may also SAY THAT IS THE CORE THAN ADMINISTRATIVE MANAGEMENT IS MANAGEMENT IS AN INSTRUMENT FOR IMPLEMENTING MAJOR THAN administration "
Definition, Function and Role of Commercial Banks in the Economy
Banking experts in developed countries defines a commercial bank as a profit-oriented financial institution. To obtain the profit of commercial banks perform the inter mediation function. Because permitted raise funds in the form of deposits, commercial banks also called depository financial institutions. Based on its ability to create money (demand deposits), commercial banks may also be known as the creator of a commercial bank demand deposits.
The definition of commercial banks according to Law No. 10 of 1998:"Commercial Bank is a bank conducting business based on conventional or Islamic principles in its activities to provide services in payment traffic."
The functions of commercial banks which are described below shows how important the presence of commercial banks in modern economies, namely:
1. Creation of money. Money is created by commercial banks demand deposits, namely the means of payment via transfer mechanism (clearing). The ability to create demand deposits of commercial banks led possisi and function in the implementation of monetary policy.The central bank can reduce or increase the money supply by affecting the ability of commercial banks to create demand deposits.
The definition of commercial banks according to Law No. 10 of 1998:"Commercial Bank is a bank conducting business based on conventional or Islamic principles in its activities to provide services in payment traffic."
The functions of commercial banks which are described below shows how important the presence of commercial banks in modern economies, namely:
1. Creation of money. Money is created by commercial banks demand deposits, namely the means of payment via transfer mechanism (clearing). The ability to create demand deposits of commercial banks led possisi and function in the implementation of monetary policy.The central bank can reduce or increase the money supply by affecting the ability of commercial banks to create demand deposits.
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