Indeed surprising to see many people associate a product with asking him to buy the investment. When someone buy an investment product and investment products that decreased in value, often feel they failed. However, these investments rather than sell, sell their rejected even if only because they sell, they acknowledge and show other people that they themselves have failed.
In their minds, if they do not sell it and even maintain the investment, that investment may be increased in value again, even be reached by profit. And when that happens, of course, pride themselves will appear again.
Unfortunately, the investment does not care about the feelings you how proteins. Mathematically your investment more difficult to rise in value compared to descend.
For example like this: you invest in - for example - shares. Your share price is Rp 750, - per page. Then your stock price down 50 percent to Rp 375, -. So the problem, so you can stock up again to the price of Rp 750, the stock should rise by 100 percent, Thus, the need to increase by 100 percent to restore the loss of 50 percent. This is the reason why investment products that fall in value, often can not ride it back to the initial price. If they can, will usually need a very long time.
That is no doubt need to sell your investment when the value decreased. I do not say that all of your investment losers at this time should be immediately sold. But I mean is: You can see where the investment at this time, from which you have now, that you deserve the selling and which are not. You should not involve ego in the face of your investment losers. Not only investment in shares, but also any investment product: Do not hesitate to immediately sell your investment are the losers, especially when there are opportunities to invest in other places that may be better.
Saturday, November 22, 2008
Friday, November 21, 2008
INVESTMENT EXPENSIVE?
Many people think that investment in goods collection is quite expensive investment. The statement is not always true.
Do not forget that each item has a price beginning his own. A stamp published in 2000 that is now worth $1 and say have been used, be it 10 or 20 years later a collection of goods that are able to price hundreds of thousands of rupiah. So now the question is, how much the price of the goods you buy the collection? In the initial price (when he was still "cheap"), or the price is already high?
Now, how the goods around you? Can be goods that you thought was normal, 10 or 20 years later to become high price because the goods have a value of extraordinary beauty. Who knows?
So, plug your ears and eyes, who know there are certain goods around you that can be valuable later on a high. And a clear, investment in goods collection is not always an expensive investment, because it depends on how much the price you buy the goods, if the price is still cheap or expensive.
Welcome to invest in goods collection.
Do not forget that each item has a price beginning his own. A stamp published in 2000 that is now worth $1 and say have been used, be it 10 or 20 years later a collection of goods that are able to price hundreds of thousands of rupiah. So now the question is, how much the price of the goods you buy the collection? In the initial price (when he was still "cheap"), or the price is already high?
Now, how the goods around you? Can be goods that you thought was normal, 10 or 20 years later to become high price because the goods have a value of extraordinary beauty. Who knows?
So, plug your ears and eyes, who know there are certain goods around you that can be valuable later on a high. And a clear, investment in goods collection is not always an expensive investment, because it depends on how much the price you buy the goods, if the price is still cheap or expensive.
Welcome to invest in goods collection.
Collector and Investor
Investment? And, so what difference do with the investment collect? Clearly different. Here I would like to introduce you to a Collector and Investor:
"Collector" is the designation for people who avidly collect certain goods. The aim is collect the goods (perhaps) for the inner satisfaction, prestige, is considered to have good taste, or what it is. A collector to buy the goods that can be owned forever.
While the "Investor" is the designation for people who collect the goods to be sold again only for the benefit. So, if the collector to buy goods owned, while investors to buy goods and then later be sold back, to be collectors or fellow investors as well.
In a nutshell, is a collector buyers, while investors are investing.
If you are interested to invest in goods collection, below are tips that you may need to know:
1. Investing to the goods that are fun and you know the details of ropes. Thus, you can know with certainty about all things related to the goods your collection, such as how rapid price, which can sell it to, where to buy, and so on.
2. Do not fall in love in your collection of goods. When you fall in love in your collection of goods, you can be heavy-hearted when you want to sell it back. Even if you are an investor, you must yet sell the goods back to the collection you get a profit?
"Collector" is the designation for people who avidly collect certain goods. The aim is collect the goods (perhaps) for the inner satisfaction, prestige, is considered to have good taste, or what it is. A collector to buy the goods that can be owned forever.
While the "Investor" is the designation for people who collect the goods to be sold again only for the benefit. So, if the collector to buy goods owned, while investors to buy goods and then later be sold back, to be collectors or fellow investors as well.
In a nutshell, is a collector buyers, while investors are investing.
If you are interested to invest in goods collection, below are tips that you may need to know:
1. Investing to the goods that are fun and you know the details of ropes. Thus, you can know with certainty about all things related to the goods your collection, such as how rapid price, which can sell it to, where to buy, and so on.
2. Do not fall in love in your collection of goods. When you fall in love in your collection of goods, you can be heavy-hearted when you want to sell it back. Even if you are an investor, you must yet sell the goods back to the collection you get a profit?
Collect Goods Through Investment
It has a Value of Art
'It questions stamps, I am sure almost all of you know what the stamps. For your diligent send a letter (including sending a letter to NOVA), most would not use the stamps. If you note, stamps from various consists publication. Whether it published an 50-year, 60-an, 70s, until 2000, also exist.
Each publication has its own displays. However, most stamps have a picture or display the paintings. Thus, to see the same stamp ibaratnya as we see the painting in small sizes. Therefore, many people decide to collect stamps, taking pictures of the stamps have an artistic value, so people also stand-at-to see and enjoy the pictures.
What's more, other than stamps? Painting ...! painting also has an artistic value is not it? There are many people collecting paintings, and all come from a variety of prices, there are hundreds of thousands, millions to tens of millions of rupiah.
What else? No need to goods such as the stamp image and the painting is the goods that have value. There are also goods that the country because it has a special form and the display and it should not form an image. In short, all kinds of goods that have an artistic value can be used as a collection of goods.
Own Historic Value
In addition to goods that have an artistic value, there are also goods that the country because these items have a value that is considered historic. Examples are goods proklamator the heritage of our independence. Wow, there is often surprisingly good collection of the Bung Karno at free market prices with exceptional high.
The goods may be simple, and can be a pen, books, cupboards, or whatever. However, because these items was owned by the Bung Karno as a historic figure, these items often become a bone of collectors and often move with the price that the longer the higher. So once again, other than because of the value of art, such action collecting goods are often caused by these items are considered to have historical value.
Very Own Old Age
In addition, collect goods often because of age is also based. Many people who collect the goods because the goods have a fairly old age. In fact, the older the age of the item, they can be more expensive price of these goods. What example goods that the country because of age? Some of them are antique jar, antique table, antique chairs, and others.
However, please note that not all goods that old age has a special value and the country by many people, given that it all depends very much on people's perception of these goods.
Therefore, some kind of suspicion against the value of these special, below are examples of goods that the country can:
* Items of art (paintings, sculptures)
* Goods handicrafts (ceramics, batik)
* Goods accessories (watch)
* Goods jewelry (necklace, bracelet)
* Goods history (object of)
So in principle, almost all the goods can the country. Now, a collection of goods that can be made this investment.
'It questions stamps, I am sure almost all of you know what the stamps. For your diligent send a letter (including sending a letter to NOVA), most would not use the stamps. If you note, stamps from various consists publication. Whether it published an 50-year, 60-an, 70s, until 2000, also exist.
Each publication has its own displays. However, most stamps have a picture or display the paintings. Thus, to see the same stamp ibaratnya as we see the painting in small sizes. Therefore, many people decide to collect stamps, taking pictures of the stamps have an artistic value, so people also stand-at-to see and enjoy the pictures.
What's more, other than stamps? Painting ...! painting also has an artistic value is not it? There are many people collecting paintings, and all come from a variety of prices, there are hundreds of thousands, millions to tens of millions of rupiah.
What else? No need to goods such as the stamp image and the painting is the goods that have value. There are also goods that the country because it has a special form and the display and it should not form an image. In short, all kinds of goods that have an artistic value can be used as a collection of goods.
Own Historic Value
In addition to goods that have an artistic value, there are also goods that the country because these items have a value that is considered historic. Examples are goods proklamator the heritage of our independence. Wow, there is often surprisingly good collection of the Bung Karno at free market prices with exceptional high.
The goods may be simple, and can be a pen, books, cupboards, or whatever. However, because these items was owned by the Bung Karno as a historic figure, these items often become a bone of collectors and often move with the price that the longer the higher. So once again, other than because of the value of art, such action collecting goods are often caused by these items are considered to have historical value.
Very Own Old Age
In addition, collect goods often because of age is also based. Many people who collect the goods because the goods have a fairly old age. In fact, the older the age of the item, they can be more expensive price of these goods. What example goods that the country because of age? Some of them are antique jar, antique table, antique chairs, and others.
However, please note that not all goods that old age has a special value and the country by many people, given that it all depends very much on people's perception of these goods.
Therefore, some kind of suspicion against the value of these special, below are examples of goods that the country can:
* Items of art (paintings, sculptures)
* Goods handicrafts (ceramics, batik)
* Goods accessories (watch)
* Goods jewelry (necklace, bracelet)
* Goods history (object of)
So in principle, almost all the goods can the country. Now, a collection of goods that can be made this investment.
@$$$- 3 Risk Investment Most can -$$$@
1. The decrease in value of Investment
The risk that most people can invest when the general was "Is my money will be lost?" Most people might answer "no" when asked such. where there is, I want people to lose money? However, the problem that there are certain risks in any investment. Only difference is in size. There are investment products that the risk is large enough, there are, there are small. It may need a special discussion on the NOVA numbers future. What is clear, one thing that most people can, once again is: "Is my money will be lost?"
Okay, now if you invest, how big is willing to decrease the value of your responsibility when you have losses? 10 percent? 30 percent? 50 percent? Or 100 percent? No matter how big the losses you responsibility, remember, it is part of investing. Do not ever expect you will continue to speculate. That loss, occasionally have experienced. If baseball experience, I learn baseball, huh?
2. The difficulty of the Investment Product Sale
Risk the second most people can invest when the product is whether the investment purchasing is easy to be sold again. Some people may be happy to invest in gold because gold is considered easy to sell again. However, there are also people who invest in the currency to U.S. dollars, dollars and the quick incorporation to the bank. This is because when the dollar is stored in the freezer, then the physical condition of paper money may be decreased, and sometimes it will be difficult for a time when the dollar would be sold again. Understandably, some banks often do not want to buy foreign currency when the conditions of your money papers torn, damaged or disheveled.
Examples of other investment products that do not always easy to sell back the goods Collection. Goods collections generally are not always easy because the market re-sold the goods the buyer is very specific. Painting, for example. Because the market-specific, not always easy to sell the painting. But, once sold, could be very high price and provide a sizable fortune to make people sell them.
So, before you decide to invest, more than I know how easy it is the product of your investment can be sold again. Do not invest until you but can not sell it, because goods sold is difficult.
3. Investment Results Provided at No Price Increase Goods and Services
Imagine if you invest in time deposits, which provide 10 percent interest a year, whereas in the year the price of goods and services, even up 15 percent? This often happens, not because of too high price increases of goods and services, but because the selected product itself is not necessarily appropriate.
Yes folks, some of you may want investment products that are safe and conservative. However, the consequence is that the investment results obtained may not be equal increase in the price of goods and services. If you hold it from year to year, then you will go bankrupt.
What should you do to face this risk? Do not close themselves to information. Learn investment products that you may not know, and after that try to enter the site, considering all the consequences. The long run, you certainly can overcome the high increase in the price of goods and services by investing in products that are potentially able to give results higher than the increase in the price of goods.
Happy investing!
The risk that most people can invest when the general was "Is my money will be lost?" Most people might answer "no" when asked such. where there is, I want people to lose money? However, the problem that there are certain risks in any investment. Only difference is in size. There are investment products that the risk is large enough, there are, there are small. It may need a special discussion on the NOVA numbers future. What is clear, one thing that most people can, once again is: "Is my money will be lost?"
Okay, now if you invest, how big is willing to decrease the value of your responsibility when you have losses? 10 percent? 30 percent? 50 percent? Or 100 percent? No matter how big the losses you responsibility, remember, it is part of investing. Do not ever expect you will continue to speculate. That loss, occasionally have experienced. If baseball experience, I learn baseball, huh?
2. The difficulty of the Investment Product Sale
Risk the second most people can invest when the product is whether the investment purchasing is easy to be sold again. Some people may be happy to invest in gold because gold is considered easy to sell again. However, there are also people who invest in the currency to U.S. dollars, dollars and the quick incorporation to the bank. This is because when the dollar is stored in the freezer, then the physical condition of paper money may be decreased, and sometimes it will be difficult for a time when the dollar would be sold again. Understandably, some banks often do not want to buy foreign currency when the conditions of your money papers torn, damaged or disheveled.
Examples of other investment products that do not always easy to sell back the goods Collection. Goods collections generally are not always easy because the market re-sold the goods the buyer is very specific. Painting, for example. Because the market-specific, not always easy to sell the painting. But, once sold, could be very high price and provide a sizable fortune to make people sell them.
So, before you decide to invest, more than I know how easy it is the product of your investment can be sold again. Do not invest until you but can not sell it, because goods sold is difficult.
3. Investment Results Provided at No Price Increase Goods and Services
Imagine if you invest in time deposits, which provide 10 percent interest a year, whereas in the year the price of goods and services, even up 15 percent? This often happens, not because of too high price increases of goods and services, but because the selected product itself is not necessarily appropriate.
Yes folks, some of you may want investment products that are safe and conservative. However, the consequence is that the investment results obtained may not be equal increase in the price of goods and services. If you hold it from year to year, then you will go bankrupt.
What should you do to face this risk? Do not close themselves to information. Learn investment products that you may not know, and after that try to enter the site, considering all the consequences. The long run, you certainly can overcome the high increase in the price of goods and services by investing in products that are potentially able to give results higher than the increase in the price of goods.
Happy investing!
BUY DOLLARS?
1. Traders buy dollars at the official
One of the things that most people are buying dollars when the money is counterfeit dollars. So, one way to avoid the possibility is with the seller to buy the official, such as a bank or money changer.
Indeed, the bank or money changer can even sell counterfeit dollars to you. But they certainly have the interest that you would always return to their place and so the customer. This means, they also maintain the reputation. If a customer disappointed until then enter their name in the Letter to the newspaper? I can not make them bad ads.
Now, compare with the seller of dollars of individuals and not the official who generally do not have that reputation has been built so that usually does not have the interest to maintain the reputation.
2. Never hold a long-time dollar paper money
Why is that? Because of the physical changes a few dollars on the money you can make valued lower than they should. Once a day my wife and I get U.S. dollars of paper from a friend. Number of 200 dollars. We acquired the four slabs 50 dollars. The rate was around Rp 9,100 per dolarnya. When trying to sell a money changer, there is little physical comprised of yellow. Simply staff there said he did not want to buy my dollars worth Rp 9,100, but must be cut to Rp 50.
This means, for one sheet is 50 dollars, my loss of Rp 50 per that dollar. I think, fortunately it comprised only the physical shape of yellow. If they keep ... So, once again, do not withhold the money paper dollars. After that you better save in the safe deposit box, or send only to the bank.
Indeed, when we deposited sometimes cost you harming the rate difference. But I think, because of exchange losses are still more than losses due to physical changes of dollars. Long time, can-dollar money you can not even be valued as if the physical form of a genuinely broken. If paid to the bank, the money you will dollars recorded in their accounting system, not in physical form. In addition, can also be flowers. Not bad, huh?
3. Know the meaning of the term Currency Exchange Rates Buy and Sell
Many of us still interpret one (or often be confused on the meaning of) the exchange of buying and selling on the exchange where buying and selling dollars. Okay, supposing you come to the bank. Then there there are writing the exchange rate of Rp 9,000 to buy and sell exchange rate of Rp 9,100. The question now, if you want to buy dollars, the price of how you will buy the dollar?
The answer is in the exchange rate of selling. This means selling the exchange rate is the exchange where the bank is willing to sell the dollar. Conversely, the exchange is to buy the exchange where the bank is willing to buy dollars you have. You should always view and interpret the size of the exchange from their side, not from your side. Not vice versa.
One of the things that most people are buying dollars when the money is counterfeit dollars. So, one way to avoid the possibility is with the seller to buy the official, such as a bank or money changer.
Indeed, the bank or money changer can even sell counterfeit dollars to you. But they certainly have the interest that you would always return to their place and so the customer. This means, they also maintain the reputation. If a customer disappointed until then enter their name in the Letter to the newspaper? I can not make them bad ads.
Now, compare with the seller of dollars of individuals and not the official who generally do not have that reputation has been built so that usually does not have the interest to maintain the reputation.
2. Never hold a long-time dollar paper money
Why is that? Because of the physical changes a few dollars on the money you can make valued lower than they should. Once a day my wife and I get U.S. dollars of paper from a friend. Number of 200 dollars. We acquired the four slabs 50 dollars. The rate was around Rp 9,100 per dolarnya. When trying to sell a money changer, there is little physical comprised of yellow. Simply staff there said he did not want to buy my dollars worth Rp 9,100, but must be cut to Rp 50.
This means, for one sheet is 50 dollars, my loss of Rp 50 per that dollar. I think, fortunately it comprised only the physical shape of yellow. If they keep ... So, once again, do not withhold the money paper dollars. After that you better save in the safe deposit box, or send only to the bank.
Indeed, when we deposited sometimes cost you harming the rate difference. But I think, because of exchange losses are still more than losses due to physical changes of dollars. Long time, can-dollar money you can not even be valued as if the physical form of a genuinely broken. If paid to the bank, the money you will dollars recorded in their accounting system, not in physical form. In addition, can also be flowers. Not bad, huh?
3. Know the meaning of the term Currency Exchange Rates Buy and Sell
Many of us still interpret one (or often be confused on the meaning of) the exchange of buying and selling on the exchange where buying and selling dollars. Okay, supposing you come to the bank. Then there there are writing the exchange rate of Rp 9,000 to buy and sell exchange rate of Rp 9,100. The question now, if you want to buy dollars, the price of how you will buy the dollar?
The answer is in the exchange rate of selling. This means selling the exchange rate is the exchange where the bank is willing to sell the dollar. Conversely, the exchange is to buy the exchange where the bank is willing to buy dollars you have. You should always view and interpret the size of the exchange from their side, not from your side. Not vice versa.
How Save Money In the Syariah Bank
Previously we already know savings, account and deposits from conventional banks. In the three products to the bank each mount bank promised to pay some interest. In sharia banks also have savings in the form of savings products, and giro deposits only as our customers do not receive the interest payment. In the bank syariah 2, which can be selected for people to save money, namely:
1. Points
Gave is to give power to others to maintain the property / goods. Thus the way points involving the people who leave (customers), the gave (sharia banks), the goods gave (client funds). Leave the actual business of business is not common, unless the recipient set points having to pay the cost of care or for the administration. But points can qualify that common. This means that the bank must maintain and responsible because the goods have paid the cost of administration. Checking account at the bank is managed by a sharia system so that the normal points known as the Giro, because basically checking account is the public funds in the bank to hear, for yourself and the purpose of payment can be made at any time. This means that the gyro is only the points fund client, not the funds are invested. However, the client funds in the gyro can be used by the bank during the sediment, but the customers want to withdraw at any time the bank pay. As the benefits of the points used by the sharia bank, customers can receive a bonus lopsided services. However, the bonus is not promise but in the future depending on the policies of the bank associated with the bank's income. The daily savings account of the provisions can be withdrawn at any time is also managed by points, as are similar to the gyro only different mechanism hear, for yourself.
2. Investment
is a form of business where the owners of capital (customers) pay the capital to the manager (the bank) to be cultivated with profits divided in accordance with the agreement of both parties. Meanwhile, losses, if any will be borne by the owners of capital. Thus, the way the owners of capital investment involved (customers), the manager of capital (banks), capital (fund) must be clear how much the amount, the term capital management, the type of work or project in the biayai, the share of profit results. Deposits in the bank is managed by sharia or mudarobah investment, so the usual known as the Deposit Mudharabah. Bank Syariah does not pay interest but the depositor deposits to pay for the results of which are set to benefit ratio. Some type of savings measure is also managed by mudharobah such as savings and education savings days old, Hajj savings, savings measure is known normal term Mudharabah Education Savings, Savings Hajj. Savings-savings can not be withdrawn by the owner of funds before maturity so that eligible to invest
How to Get Customer Benefits
If a conventional bank to pay interest to customers, the bank's sharia pay for benefits in accordance with the results of the agreement. Agreement for the results of this set with a ratio of the number or ratio for the results. Ratio between a bank with customers determined at the beginning, for example, determined the share of each party 60:40, which means the result will be The business is 60% distribute for customers and 40% for the bank. Digit ratio is easily get the information you ask the customer service or to come and see the board display "Perhitugan and Distribution of Results" in the bank branch of sharia.
1. Points
Gave is to give power to others to maintain the property / goods. Thus the way points involving the people who leave (customers), the gave (sharia banks), the goods gave (client funds). Leave the actual business of business is not common, unless the recipient set points having to pay the cost of care or for the administration. But points can qualify that common. This means that the bank must maintain and responsible because the goods have paid the cost of administration. Checking account at the bank is managed by a sharia system so that the normal points known as the Giro, because basically checking account is the public funds in the bank to hear, for yourself and the purpose of payment can be made at any time. This means that the gyro is only the points fund client, not the funds are invested. However, the client funds in the gyro can be used by the bank during the sediment, but the customers want to withdraw at any time the bank pay. As the benefits of the points used by the sharia bank, customers can receive a bonus lopsided services. However, the bonus is not promise but in the future depending on the policies of the bank associated with the bank's income. The daily savings account of the provisions can be withdrawn at any time is also managed by points, as are similar to the gyro only different mechanism hear, for yourself.
2. Investment
is a form of business where the owners of capital (customers) pay the capital to the manager (the bank) to be cultivated with profits divided in accordance with the agreement of both parties. Meanwhile, losses, if any will be borne by the owners of capital. Thus, the way the owners of capital investment involved (customers), the manager of capital (banks), capital (fund) must be clear how much the amount, the term capital management, the type of work or project in the biayai, the share of profit results. Deposits in the bank is managed by sharia or mudarobah investment, so the usual known as the Deposit Mudharabah. Bank Syariah does not pay interest but the depositor deposits to pay for the results of which are set to benefit ratio. Some type of savings measure is also managed by mudharobah such as savings and education savings days old, Hajj savings, savings measure is known normal term Mudharabah Education Savings, Savings Hajj. Savings-savings can not be withdrawn by the owner of funds before maturity so that eligible to invest
How to Get Customer Benefits
If a conventional bank to pay interest to customers, the bank's sharia pay for benefits in accordance with the results of the agreement. Agreement for the results of this set with a ratio of the number or ratio for the results. Ratio between a bank with customers determined at the beginning, for example, determined the share of each party 60:40, which means the result will be The business is 60% distribute for customers and 40% for the bank. Digit ratio is easily get the information you ask the customer service or to come and see the board display "Perhitugan and Distribution of Results" in the bank branch of sharia.
Differences Conventional Bank and Syariah Bank
Shariah bank is a bank that operates on the basis of sharia, or Islamic religious principles. In accordance with the principles of Islam which prohibits interest or usury system is burdensome, the bank based on a partnership shariah operate in all business activities on the basis of equality and justice. The fundamental difference between the sharia bank with conventional banks, among others:
1. Differences in philosophy
The main difference between a conventional bank with the bank on the basis of sharia is the philosophy that following. The Bank does not implement sharia interest in all activities, while the bank conventional had back. This is a very profound difference to the products developed by the sharia banks, where interest rates to avoid the system being developed is the system of selling and buying partnerships that were held in the form of the results. Thus, actually all types of business transactions through the bank sharia be allowed provided that does not contain elements of interest (usury). Aba is a simple system means that flowering interest or compound interest in all the process can lead to outstanding obligations as a party snowball effect on the story at the beginning of this article. I very profitable but is fatal to banks. Usury, is the potential to lead to large losses, but it was the most imagined, or even to both.
2. Concept Fund Management Customer
In the system of Sharia bank customers managed funds in the form of points and investment. How points and investment clearly differs from conventional deposits in the bank, where deposits are the efforts money. Drafts of funds means that the points at any time the client needs, the bank's sharia should be fulfilling, and consequently funds points to be very liquid. Liquidity is the high points make the funds less a qualified investment funds that need settling. Because the funds are not settling old alias points but then the bank could not provide lopsided results. Meanwhile, if the customer funds invested, because the concept of investment is a business risk, meaning that every opportunity to benefit from that business was conducted, there is the risk to accept the loss, then between customers and banks alike to share both benefits and risks .
In accordance with the bank as an intermediary channeling financial institutions that fund customers storage to customers borrowers, the customers that the funds collected by way of investment or the points then, used or distributed to the transaction that sharia be allowed on the system. Results benefit from the utilization of the funds channeled to customers in various businesses that will be distributed to customers. Results of business increasingly high the more the benefits distributed to banks and customers. However, if a small profit in the automatic small profit, which also distributed the bank to its clients. So the concept for the results can only run if the client funds in a bank in investment first into the business, the business profit is distributed. Unlike customers with savings in conventional banks, no matter whether the saving in the pipe to the business or not, the bank is still obliged to pay interest.
Thus, the system for the results to make larger profits received by customers following the bank's size advantage sharia. The big advantage of the sharia banks also benefit customers. In contrast with conventional banks, banks are not distributed profits to its customers. No matter whatever the number of conventional bank profits, the customer only paid some percentage of the funds saved it.
3. Managing the obligation of Zakah
Sharia bank is required to become managers in the charity is obliged to pay the meaning of charity, to collect, distribute and administrate. This is the function and role of Sharia bank cling on to mobilize funds social (handout)
4. Organizational Structure
In the organizational structure of a sharia bank required the Sharia Supervisory Board (DPS). DPS task of overseeing all activities that the bank is always in accordance with the principles of sharia. DPS by the National Council of Sharia (Dsn). Based on reports from the DPS in each of the Islamic financial institutions, Dsn can give verbal warnings if the institutions concerned them. Dsn can also submit recommendations to the institutions that have such authority, Bank Indonesia and the Ministry of Finance to provide sanctions.
1. Differences in philosophy
The main difference between a conventional bank with the bank on the basis of sharia is the philosophy that following. The Bank does not implement sharia interest in all activities, while the bank conventional had back. This is a very profound difference to the products developed by the sharia banks, where interest rates to avoid the system being developed is the system of selling and buying partnerships that were held in the form of the results. Thus, actually all types of business transactions through the bank sharia be allowed provided that does not contain elements of interest (usury). Aba is a simple system means that flowering interest or compound interest in all the process can lead to outstanding obligations as a party snowball effect on the story at the beginning of this article. I very profitable but is fatal to banks. Usury, is the potential to lead to large losses, but it was the most imagined, or even to both.
2. Concept Fund Management Customer
In the system of Sharia bank customers managed funds in the form of points and investment. How points and investment clearly differs from conventional deposits in the bank, where deposits are the efforts money. Drafts of funds means that the points at any time the client needs, the bank's sharia should be fulfilling, and consequently funds points to be very liquid. Liquidity is the high points make the funds less a qualified investment funds that need settling. Because the funds are not settling old alias points but then the bank could not provide lopsided results. Meanwhile, if the customer funds invested, because the concept of investment is a business risk, meaning that every opportunity to benefit from that business was conducted, there is the risk to accept the loss, then between customers and banks alike to share both benefits and risks .
In accordance with the bank as an intermediary channeling financial institutions that fund customers storage to customers borrowers, the customers that the funds collected by way of investment or the points then, used or distributed to the transaction that sharia be allowed on the system. Results benefit from the utilization of the funds channeled to customers in various businesses that will be distributed to customers. Results of business increasingly high the more the benefits distributed to banks and customers. However, if a small profit in the automatic small profit, which also distributed the bank to its clients. So the concept for the results can only run if the client funds in a bank in investment first into the business, the business profit is distributed. Unlike customers with savings in conventional banks, no matter whether the saving in the pipe to the business or not, the bank is still obliged to pay interest.
Thus, the system for the results to make larger profits received by customers following the bank's size advantage sharia. The big advantage of the sharia banks also benefit customers. In contrast with conventional banks, banks are not distributed profits to its customers. No matter whatever the number of conventional bank profits, the customer only paid some percentage of the funds saved it.
3. Managing the obligation of Zakah
Sharia bank is required to become managers in the charity is obliged to pay the meaning of charity, to collect, distribute and administrate. This is the function and role of Sharia bank cling on to mobilize funds social (handout)
4. Organizational Structure
In the organizational structure of a sharia bank required the Sharia Supervisory Board (DPS). DPS task of overseeing all activities that the bank is always in accordance with the principles of sharia. DPS by the National Council of Sharia (Dsn). Based on reports from the DPS in each of the Islamic financial institutions, Dsn can give verbal warnings if the institutions concerned them. Dsn can also submit recommendations to the institutions that have such authority, Bank Indonesia and the Ministry of Finance to provide sanctions.
CALCULATE CAPITAL BUSINESS
In principle, in running the business, there are only 3 kinds of capital that will remove you:
1. First Capital Investment
2. Working Capital
3. Operational capital
Let's check one by one.
1.MODAL THE INVESTMENT
What is the initial capital investment? This is the kind of capital that you must spend at the beginning, and is usually used for the long term. Examples of this capital is building, equipment such as computers, vehicles, office furniture and other goods used for the long term.
If your business workshop motorcycle business, then your initial capital investment is building, equipment, and other furniture needed in the workshop. If your business stores, the initial capital investment is your shelves, tables, even the machine may also cashier.
Usually, the capital of this value is large enough to be used as long-term. But the value of the First Capital Investment will be reduced from year to year can even from month to month.
2.MODAL WORK
This is capital that you must spend to buy or make your merchandise. This working capital can be issued each month, or every order came.
For example, if your business the food business, the working capital you need is capital to buy food. If your business business made craft items, then your working capital is the money you spend to buy raw materials. If your business is a photocopy services, working capital of your money you spend to buy the paper, ink, and others.
Then, without working capital, you will not be able to complete your order or do not have the goods. Later, you can not even be able buyer because the goods are not there. That is the importance of working capital.
3.MODAL OPERATIONAL
The capital is the last operational capital. Operational capital is capital that you must spend to pay the monthly cost of operating your business. For example payment of employee salaries, credits monthly phone, water, even retribution.
Post-post in the capital is operational in almost every business is generally the same. This is because, in principle, which is the operational capital is money that you must spend to pay for the cost of items outside your business directly. So, Capital Operations usually paid monthly.
1. First Capital Investment
2. Working Capital
3. Operational capital
Let's check one by one.
1.MODAL THE INVESTMENT
What is the initial capital investment? This is the kind of capital that you must spend at the beginning, and is usually used for the long term. Examples of this capital is building, equipment such as computers, vehicles, office furniture and other goods used for the long term.
If your business workshop motorcycle business, then your initial capital investment is building, equipment, and other furniture needed in the workshop. If your business stores, the initial capital investment is your shelves, tables, even the machine may also cashier.
Usually, the capital of this value is large enough to be used as long-term. But the value of the First Capital Investment will be reduced from year to year can even from month to month.
2.MODAL WORK
This is capital that you must spend to buy or make your merchandise. This working capital can be issued each month, or every order came.
For example, if your business the food business, the working capital you need is capital to buy food. If your business business made craft items, then your working capital is the money you spend to buy raw materials. If your business is a photocopy services, working capital of your money you spend to buy the paper, ink, and others.
Then, without working capital, you will not be able to complete your order or do not have the goods. Later, you can not even be able buyer because the goods are not there. That is the importance of working capital.
3.MODAL OPERATIONAL
The capital is the last operational capital. Operational capital is capital that you must spend to pay the monthly cost of operating your business. For example payment of employee salaries, credits monthly phone, water, even retribution.
Post-post in the capital is operational in almost every business is generally the same. This is because, in principle, which is the operational capital is money that you must spend to pay for the cost of items outside your business directly. So, Capital Operations usually paid monthly.
Wednesday, November 19, 2008
Should The Loans - Part 2
THE LOAN IS is due
Okay. We assume you have only lend money to him. And now, it seems it's time for him to settle the loan to you. If so, there are two things that you may note:
1. Bill with a friendly
Something that started with the smile will be held with the smooth. When it is time that people pay to come directly to the house concerned. Why not by phone? Because of this to show that you are really serious. Start with a friendly, ask how business, family and so forth. New charge with both. And if he does not or has not been able to pay, discuss and consider again whether you need to give relief or delay payment.
2. Give part
This may include weight to be carried out. Why you need your money give part? Already tired, tired of searching for them, I actually even given it to people.
Yes, if you had a freight bill to remove the debt is greater than the value of debts, then there may be a good idea if you give only the debt.
For example, the money that you Loan only IDR 100 thousand. But many times has been charged, but only people you lend is not able to pay. If you continue to persevere ask, most likely you remove the fee will be greater than the debt itself.
Not only that. The psychological, so you can only roundabout because understand, or perhaps your relationship with them can be lost. So what insists that you take the money IDR 100 thousand, that can cost ask greater than that. Moreover, when people are indeed not able to, and not like.
So, we in principle to "bank" is here to help each other. The more you help people, the more that will also help to come to you. But one thing is most important here is: help others without the perspective of fur, but do not forget to help with a clever way. Correct and consider carefully before you lend money to other people. Congratulations to consider.
Okay. We assume you have only lend money to him. And now, it seems it's time for him to settle the loan to you. If so, there are two things that you may note:
1. Bill with a friendly
Something that started with the smile will be held with the smooth. When it is time that people pay to come directly to the house concerned. Why not by phone? Because of this to show that you are really serious. Start with a friendly, ask how business, family and so forth. New charge with both. And if he does not or has not been able to pay, discuss and consider again whether you need to give relief or delay payment.
2. Give part
This may include weight to be carried out. Why you need your money give part? Already tired, tired of searching for them, I actually even given it to people.
Yes, if you had a freight bill to remove the debt is greater than the value of debts, then there may be a good idea if you give only the debt.
For example, the money that you Loan only IDR 100 thousand. But many times has been charged, but only people you lend is not able to pay. If you continue to persevere ask, most likely you remove the fee will be greater than the debt itself.
Not only that. The psychological, so you can only roundabout because understand, or perhaps your relationship with them can be lost. So what insists that you take the money IDR 100 thousand, that can cost ask greater than that. Moreover, when people are indeed not able to, and not like.
So, we in principle to "bank" is here to help each other. The more you help people, the more that will also help to come to you. But one thing is most important here is: help others without the perspective of fur, but do not forget to help with a clever way. Correct and consider carefully before you lend money to other people. Congratulations to consider.
Should the loans? - Part 1
If we have enough money, should we help those who are lack of money. Because in this life, mutual help is a must. If you please help it be realized in the form of action was okay, just okay. But in the form of money? Wow ... whoa. And, so thin?
Can not, and sometimes good people we help, we often create their own problems. Turn to borrow money, face miserably. Turn charged, ask forgiveness difficult. Promise would be returned within a month, eh, this month also speaking there is not necessarily say.
And effect so we should pursue, he ngejar. This is what makes many people often doubt lend money if there are other people who want to borrow money.
Actually, my fair only if friends or relatives to come to you and you want to borrow money. This means that he considers - in finance - you are able to meminjaminya enough money. Do not be angry if your friends or relatives who come to you. If you are borrowing the money it needs, you will come to the people that you know first, right? And the people closest to you, brother usually is. Even if a friend, my close friend.
But no relationship can rarely interrupted due to the debt-receivables. Instead, a more extreme again, the possibility can not close the fracas occurred only because of the debt. Of course we do not want things like that happen, right?
Therefore, below are some tips that may be useful for you when there are other people who want to borrow money to you:
1. Preview your financial condition.
If you have money, does not mean you have to become a bank for other people. Preview likely expenses your family in several months. Your child may need to go to school. Maybe your baby will be born. You may be out of money for this, for it, and so forth. Do not until when you need money, money is still in the hands of other people.
If necessary, you may also budgeted amount of money loaned to. This means that, even though not every month there are some people came to borrow the money to you, but you can remain vigilant in case friends or relatives you want to borrow money without the need to reject you because you already have your rate and the funds they deserve to be assisted.
2. Carefully before giving
Try carefully before you lend money to other people. You should carefully is the "ability of people to pay back debts." This is also done before the banks lend money to borrowers who want to borrow money. Perhaps some of the following list of questions can be useful, when there are people who will borrow the money to you.
* Who is he? What jobs? Is he friend or brother?
* To what purpose he borrowed money? Business needs or life?
* Mendesakkah these needs?
* What is the guarantee that confrontations? Is he menjaminkan property, or the thing he does not menjaminkan anything and only have a verbal promise alone?
* Does he have a history of borrowing money to you or other people? How to "fate" debt-the debt? What is the debt-debt can dilunasinya or not?
* When he will return the debt? What is the promise it makes sense or not when adjusted to the background?
From the list of the questions above, you can judge for themselves whether the people who want to lend you money is going to loan money or not.
3. Make a Note
Do not be shy to make a written agreement on the paper be sealed, when the money loaned reaches millions of rupiah. Or if under one million, may only have enough receipts. The most important is that you do the recording. The need to be listed in the agreement or receipt is who borrow, how much is borrowed, for what, and when will be returned.
By recording the tidy, you will know when you need to collect, and how much money you have Loan. And if problems occur And, the note can help you.
Can not, and sometimes good people we help, we often create their own problems. Turn to borrow money, face miserably. Turn charged, ask forgiveness difficult. Promise would be returned within a month, eh, this month also speaking there is not necessarily say.
And effect so we should pursue, he ngejar. This is what makes many people often doubt lend money if there are other people who want to borrow money.
Actually, my fair only if friends or relatives to come to you and you want to borrow money. This means that he considers - in finance - you are able to meminjaminya enough money. Do not be angry if your friends or relatives who come to you. If you are borrowing the money it needs, you will come to the people that you know first, right? And the people closest to you, brother usually is. Even if a friend, my close friend.
But no relationship can rarely interrupted due to the debt-receivables. Instead, a more extreme again, the possibility can not close the fracas occurred only because of the debt. Of course we do not want things like that happen, right?
Therefore, below are some tips that may be useful for you when there are other people who want to borrow money to you:
1. Preview your financial condition.
If you have money, does not mean you have to become a bank for other people. Preview likely expenses your family in several months. Your child may need to go to school. Maybe your baby will be born. You may be out of money for this, for it, and so forth. Do not until when you need money, money is still in the hands of other people.
If necessary, you may also budgeted amount of money loaned to. This means that, even though not every month there are some people came to borrow the money to you, but you can remain vigilant in case friends or relatives you want to borrow money without the need to reject you because you already have your rate and the funds they deserve to be assisted.
2. Carefully before giving
Try carefully before you lend money to other people. You should carefully is the "ability of people to pay back debts." This is also done before the banks lend money to borrowers who want to borrow money. Perhaps some of the following list of questions can be useful, when there are people who will borrow the money to you.
* Who is he? What jobs? Is he friend or brother?
* To what purpose he borrowed money? Business needs or life?
* Mendesakkah these needs?
* What is the guarantee that confrontations? Is he menjaminkan property, or the thing he does not menjaminkan anything and only have a verbal promise alone?
* Does he have a history of borrowing money to you or other people? How to "fate" debt-the debt? What is the debt-debt can dilunasinya or not?
* When he will return the debt? What is the promise it makes sense or not when adjusted to the background?
From the list of the questions above, you can judge for themselves whether the people who want to lend you money is going to loan money or not.
3. Make a Note
Do not be shy to make a written agreement on the paper be sealed, when the money loaned reaches millions of rupiah. Or if under one million, may only have enough receipts. The most important is that you do the recording. The need to be listed in the agreement or receipt is who borrow, how much is borrowed, for what, and when will be returned.
By recording the tidy, you will know when you need to collect, and how much money you have Loan. And if problems occur And, the note can help you.
