However, without them realizing that the population of Indonesia also has a high creativity, so many Indonesian people who also see great opportunities to profit from the number of population in Indonesia. Very many office workers who later turned into an entrepreneur by selling products that many needed by the people of Indonesia or exported abroad. With the increasing number of Indonesian self-employed people, it has an impact on the level of Indonesia's growing economy. But as stated at the beginning of the paragraph that the main obstacle often faced by the businessman is the venture capital for beginners. There are already a lot of potential business but then out of business because of running out of capital. Actually there are several ways to get business capital for beginners need fresh funds to start a business or develop it.
venture capital for beginners below are 5 sources of venture capital for beginners that you can try :
1. Bank Loans
The first option to acquire venture capital for beginners is usually to borrow funds to the bank. Unfortunately the bank keganyakan will not want to give loans if the business has not run at all. Therefore, it should be regarded however that any form of business and any capacity should first realize the business for at least for at least 6 months. Generally, one of the requirements for credit application in a bank is to use the guarantee in the form of securities such as land certificate, BPKB, deposit bilyet and so on, but now there are many banks that can provide unsecured loans, commonly known as Unsecured Loans (KTA) . One of the advantages of borrowing money in a bank is that it can obtain substantial capital and can pay it by installments. But it should be considered that the interest set by the bank is generally quite burdensome, especially if the business is run not too stable.
2. Non-Bank Loans
To obtain a non-bank loan usually prospective borrowers can apply to finance companies such as cooperatives by pledging motor vehicles or cars. It's just that the funds obtained are not as big as the bank, because non-bank companies also have limited funding sources. But if your business capacity is not so great then it is better not to apply for a loan is too large because it can interfere with your business. Do not be persuaded by the seduction of bank officers who want you to apply for a loan with a large number to meet their monthly target, but adjust your business capabilities.
3. Individual Investor / Group
If you have not dared to borrow money to the bank, maybe the following third way is right for you. If your capital is still small to open a business, then you can invite others who have excess funds to invest the money in your business. In other words, they are the shareholders of your business. Your toughest task is to convince them to want and trust to invest their money as your venture capital. Of course they will not want to invest if they end up just losing money. Therefore, you should present your business description by creating a business scheme to be run as well as where the benefits will be obtained. You should be able to give a detailed picture of the future prospects of your efforts. If convincing enough, guaranteed will be many people who are then interested to come to provide capital for your business.
4. Credit Card
If you have a credit card then it can be an alternative to get business capital for beginners. However, of course the money earned is also not much even possible with very high interest. Business capital for beginners with a credit card is only suitable for the type of business that does not require capital is too large but with a very fast turnover considering the credit card interest is quite high. This credit card is also very useful when you need urgent funds, because you do not need to apply for a loan to the bank, just cash in cash at ATM only. In addition to doing a cash swipe and using the money to finance business capital, you can also directly use a credit card to spend your business needs tools. Interestingly again if you can find a wholesale shop that is giving a discount then you can buy merchandise from there with very cheap price even more profitable if all the transactions can be changed to 0% installment.
The last way to obtain business capital is by leasing. Leasing is a funding program provided by a financial institution in the form of a funding company. Generally, the loan is not provided in cash, but the purchase of movable assets for the company, such as motor vehicles for daily transportation. If your type of business is related or requires a vehicle then by obtaining business capital for beginners from Leasing can be the right choice.