156226

What kind of plans do banks want to see when making loan application documents?

What kind of plans do banks want to see when making loan application documents? Starting a business is difficult. especially finding money to invest Getting a loan is difficult because without knowing the steps. Documents are out of order and ready. Talking to the bank to apply for a loan That is difficult. Chances of bank lending are very low.

Therefore, in applying for a bank loan, in addition to the documents required for applying for a loan in general Documents that should be used for presenting the bank for the bank to consider in its decision to approve the loan It should have the following details:

1. Organization goals In addition to the bank looking back on the past business to see the business history that can be viewed from various financial documents, another important part is the bank looks forward Business plans therefore have to have clear goals such as business growth each year. with details on how to make this possible

2. Products, products or services should clearly present the product details. State exactly what to produce, sell or service. which the product must have the possibility to generate sales Must be a product that meets the needs of consumers. It may be a new product that has never been available before. or existing products, but improved and changed even more Importantly, it must be outstanding but different from the products available in the market, etc.

3. Business Strengths and Weaknesses Analysis (SWOT Analysis) is the analysis of business data by SWOT principle, which consists of strengths (Strengths) to see what the business has strengths and what competitors do not have. of businesses to close and avoid business opportunity (Opportunities) Look for opportunities from various factors. that has a positive effect on the business and risks and obstacles (Threats) analyze factors that will negatively affect the business in the future

4. Process (Manage) how, including production plans or services from the production process. raw material source production target business process Toi describes the process of the business that there are etc.

5. Financial plans (Money) Financial plans are very important because if they are poorly managed, the business may run out of liquidity and cause a stumble in addition to showing the past financial history of the business. therefore still have to show Financial management plan, capital, income, expenditure, cash, working capital, etc. This may include capital or capital. used to conduct business both from internal and external funds In business, capital is the most important factor. Because not every business can operate well if operating losses.

It can be said that every business has to be made possible by capital. because it will be a business driver and various factors to be able to operate both in terms of human wages operating costs The cost of purchasing materials for use in business operations Focusing on improving your finances is therefore the most important aspect of business success.

6. Marketing plan (Market) tells the details of the direction of marketing, starting from the brand. Sales goals, competitors, marketing, promotion Marketing channels, budgets, strategies that will help you reach your goals. This will allow your business to grow, be profitable, and be able to actually recoup the money you borrow from the bank.

7. Resources are materials, articles, raw materials, spare parts, products, services or other equipment that are used in the production of goods or services. It’s the next important thing. Because every business relies on what is obtained in this group as a resource for production. Therefore, if there is an efficient raw material management plan that is sufficient in production Manage to achieve low production costs. and make the business the most profitable

8. Machine (Machine) is a machine, tools, appliances or equipment to facilitate production. Factors in this group are the ones that help fill in the parts that are not capable of human ability, such as continuous work time. accuracy production speed Standard consistency or durability in some situations that humans can’t do, such as high or low temperature weather environment, air with toxic gases, etc. Therefore, it can be seen that many times the success of production is judged by this group of factors. Or it can be said that the factors in this group can be used to determine the success of the work at all.

9. Human Resources (Man) is a worker, employee or personnel from both internal and external. which is considered the most important key factor Because any production or operation must occur, it must depend on people. in terms of thinking, planning, executing , or organizing all forms of production or business activities. Presenting the readiness of people or personnel is therefore the most important thing. In order for the bank to see that we have a team of personnel who will be able to use the money borrowed to make it a success in business operations.

It can be seen that writing a good business plan document is complete and comprehensive in doing business. This will reassure the bank that the borrower has knowledge and understanding of the real business. will be able to operate using the borrowed money appropriately and efficiently And will be able to take back the money borrowed from the bank as promised Therefore, there will be an opportunity for easy lending.