Choosing a Bank for the good of KPR

Find the ideal home or property right for
investment is a process that is not easy in the situation of an economy that is
is not fully conducive to the real sector. The decline in interest rates has not been able to
mendogkrak request such credit consumption KPR.

But we must not continue the way? At this time when you need a new home,
You certainly will not wait for next year or when the interest rate down to
position you want. Because at that time property prices have also increased
while you still may not have sufficient money. To help
financial gain in your new property, we will discuss about
KPR / KPA (Credit Ownership House / Apartments).

KPA KPR and KPR only term we get comfortable, because basically they
same, only slightly different in the item purchased. KPR On the one hand it is very
assist prospective customers to purchase the desired property. On the other hand,
we must be wary and careful in choosing our bank KPR. One-one, you
can hang their own neck and terbelit debt. Here is discussed
some remarkable things when choosing a bank and its products KPR it.


Reputation and credibility of the bank. The name is a good bet. Note
level of credibility and public trust of the bank that offers the KPR.
You can ask the banks to a good reputable developer that you
property interest. Developer even recommend certain banks
KPR option to provide to their customers.
View your ability. Usually the bank requires you to pay at least 30%
advance of the property you buy. The rest then is assisted by the bank in
KPR pinajaman form. If you do not have enough money to pay for
cash advance, search for property that allows the down payment dicicil the time
to ease your monthly burden.
Loans as necessary. Many banks provide credit to the amount of bid
which is very large. Do not tergiur easy. Loans that suit your needs
does not get stuck paying interest of each month.
Note the period of credit. Main principle in borrowing from the Bank
is: the longer the loan period, the greater the cost of interest that you
pay. Try sesingkat loan period may be, of course, appropriate
with your ability. The long time jagka loan, monthly repayments
the small, but the total interest cost you pay is very large
than when you choose a loan period is shorter.
Fixed interest rate (fixed) or dynamic (float)? You must be in KPR
note the type of interest rate used by the bank granting KPR. Use
Fixed interest rate (fixed) means the amount of interest you pay is always fixed
even though there is increase or decrease the interest rate market. When using
the interest rate dynamic (float) the cost of the interest you pay each bula
adjusted to the changes in market interest rates. You should slightly
learn to read the market's financial situation in this case.

Therefore input from us, hopefully you can find the right bank.
Enjoy property-property options in the various places and cities in
Indonesian. Warmest regards.

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INDONESIAN MICROFINANCE

INDONESIA CASE STUDIES ON MICROFINANCE
AND SMALL-SCALE FISHERIES
Prepared by:
Agus Rachmadi
Bank Rakyat Indonesia

I. Overview of the Country’s Fishery Sector
Importance of the Fishery Sector
Indonesia is the world biggest archipelago, one third of the Indonesia area consist mostly sea water covering about 5,8 million km2 with almost 81,000 km2 line beaches surrounding its 193 millions hectare. On the other hand there are about 24 million hectare are very potential for the fishery business with potential production about 47 million ton year. While location which are considered very potential for pond product is about 1 million hectare potential production is about 5 million ton /year.
The number of fishery household establishment averagely increased 3,53% per annum at period of 1999 - 2004, that was 2.033.175 units in 1999 to 2.405.688 units in 2004. These fishery household establishment was consist of captured and aquaculture fisheries household establishment. At period of 1999 - 2004, the number of captured fisheries household establishment averagely increased 4,20 % per annum, which came from marine and inland open water fisheries business unit.
At the same period, the number of aquaculture fisheries household establishment averagely increased 3,21 % per annum. This aquaculture fisheries household establishment came from fisheries household establishment of marine, brackish water pond, freshwater pond, and cage, floating net and paddy field culture.

Based on activity, fishermen divided into two categories, they are: marine fishermen and inland open water fishermen. These years, the number of marine fishermen from 2003 to 2004 had significantly decreased for over 29,14%, that was 3,31 million in 2003 to 2,35 million in 2004. Inland open water fishermen is fisherman which their major part of working day applied to-do fishing. In this decade, the number of inland open water fishermen from 2003 to 2004 increased 7,83%, that was 545.776 people in 2003 to 588.507 in 2004. The number of fish farmers in 2004 was 2.459.355 person. These fish farmers classified into group of marine fish farmers 81.377 person, brackish water pond farmers 440.545 person, freshwater pond farmers 1.131.078 person, cage farmers 58.565 person, floating net farmers 51.439 person, paddy field farmers 696.351 person. The number of fish

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A Microfinance Path for Commercial Banks

A Microfinance Path for Commercial Banks

By Mohamad Nazirwan*)

In the recent years we have witnessed the flourishing of microfinance around the globe – particularly after the United Nation launched the International Year of Microcredit 2005. Perhaps, the greatest indication of this growing trend was when Professor Muhammad Yunus, the founder of Grameen Bank and the pioneer of microcredit for women was awarded a Nobel Prize. In many perspectives, microfinance has been proven an effective tool to support the Millennium Development Goals campaign in reducing the half number of poor people.

Microfinance has come a long way from its beginnings as a non-profit program to combat chronic poverty in developing countries. The best practice in the past was that the government created state owned banks to channel subsidized loans to farmers to produce food crops and many international NGOs gave charity to poor inhabitants in order to help them climb up from chronic poverty trap. Furthermore, microfinance gradually evolves from social intermediation to financial intermediation which adopts market mechanism and commercial practices. Surprisingly, this approach has worked well in the bottom of the pyramid (BOP) economy mainstream and it has generated good impact on the prosperity of low income households and the poor.

The presence of microfinance institutions in local community has successfully opened financial access to microentrepreneurs and under banked clients who need loans for working capital and investment. The spectrum of commercial microfinance also broadens through providing saving products, remittance and payment system to the entire society efficiently and profitably. A key feature of this approach is double bottom lines that are to seek profits and also to create social values. One of the best examples and also the pioneer of commercial microfinance is BRI-Unit microbanking system which developed over two decades ago, after BRI struggled with massive losses during the rice self sufficient program (Bimas).

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