Politeknik NSC Surabaya

Kuliah, Kerja, Surabaya, Kerja kuliah, Kuliah Kerja

12.05.2009

National Bank vs Rural Bank

From the results of discussions at a national seminar on strengthening rural banks human resources etc , revealed that the Bankers of rural bank complained natinal bank that it's been rampant rural banks into the segment of micro and small businesses. Rural bank's worries are understandable because the national bank that has trillions of rupiah assets, has many advantages compared to rural banks such as the better quality of human resources because each bank has a national education and training institutions themselves, a better numerisasi system , more financial resources , and better IT systems . So many advantages possessed than national banks may be compared to rural banks competition between them on the same segment like david vs goliath or lizard vs crocodile . In movies or theatre, david or lizard had a victory, but it is not the case with rural banks proved although the percentage of rural growth in bank credit is higher in nominal terms but can not be compared with the volume of national bank loans. In order that rural banks are not be bankrupt of course rural banks as intermediary institutions and the agent of development should receive more attention from the government and Bank Indonesia. For example, if the People's Business Credit (KUR) at given to national banks, the rural banks should also be given the same opportunity. Or maybe link with the national program provided banks with low interest rates at least equal to the SBI (Bank Indonesia Certifiate). And many more ways to drive faster growing of rural bank. But it does not mean that nothing should be corrected in rural human resources of rural banks about the competence and integrity. Our expectations if the rural banks can be developed as expected, the function of financial intermediation to real sector mainly micro and small enterprises will be more cooperative even run smoothly. And ultimately will enhance national economic growth significantly. Amen

11.26.2009

Behavior is Very Very Important

Micro and small businesses, classified as being based on the amount of earnings per year and the amount of wealth / assets it owns. In addition there are several types of micro and small businesses in the use of business profits. The first type: the profit is only enough to meet their needs of everydays life. The second type: the benefits in addition to his needs are still there are excess funds to save. The third type: the benefits collected for the preparation of business expansion. Sometimes a small and micro entrepreneurs who first type can be in the drive with additional capital from banks or financial institutions and immediately switch to the second type and so on. But not everything goes smoothly according to the original plan. Often occurs micro and small entrepreneurs have changed if the type, also changed his behavior, life style change as well. If that happens then that will bankrupt of business plus he was not able to pay their debts, causing bad credit. What is the solution? Until now, no one can provide the right solution for solving this problem. Because if you talk about the behavior of a quantitative measurement difficult. If any suggestion please write to this blog to share. Thanks.

11.25.2009

Kualifikasi SDM Microfinance

Micro finance institutions such as the BPR / S, Cooperative Savings and Loan, and other financial institutions which are the first door for micro credit facility to obtain an attempt to develop small businesses. There are many established microfinance institutions in Indonesia, but not a few who are not able to survive long. Many factors but the factors that cause the most dominant cause is because the quality of human resources that have not in accordance with the standards or no standards. In BPR / S has a National Work Competence Standards Indonesia (SKKNI) and that it has been required by Bank Indonesia to the level of Director. But in the cooperative financial services, although it has no SKKNI but there is no obligation for co-operative managers to follow. And this is SKKNI Depnaker provisions of the relevant agencies but did not follow up with Depkop quickly. Consequently, many cooperative activities that have deviated from the principles of cooperatives. How attention to education and human resource development, it was also received less attention because the cost of education is large enough to be the reason most cooperatives. In the end it is a lot of credit that are not qualified and even more fraud that occurs over time can lead to bankruptcy of the cooperative. So what ....

Bisnis Kemasan

Mengemas Laba Bisnis Kemasan
(oleh Suhendra-detikFinance)

Kemasan sangat menentukan keberhasilan sebuah produk mampu menembus pasar. Namun biasanya tidak mudah untuk menciptakan kemasan dan produk yang mampu diterima pasar. Masalah seperti ini seringkali dihadapi oleh para pengusaha usaha kecil dan menengah (UKM).

Melihat peluang ini, Maria Magdalena pun memulai usahanya sebagai pengusaha makanan. Pada tahun 2008 lalu ia mencoba melakukan terobosan dengan membuat kemasan-kemasan unik bagi produk-produk makanannya, hasilnya kemasannya banyak dilirik orang.

"Sejak Januari 2008 lalu saya sering membantu UKM, dalam menembus pasar moderen. Lalu banyak yang bilang packaging produk saya bagus. Banyak usah kecil, yang bertanya," kata Maria kepada detikFinance, akhir pekan lalu.

Semenjak itu lah ia bersama suaminya bertekad untuk mengembangkan usaha produksi kemasan skala kecil untuk memenuhi permintaan UKM. Setidaknya ia memulai dengan merogoh modal Rp 12 juta untuk membeli 3 mesin pembuat kemasan.

Dikatakannya selama ini UKM kesulitan mendapat kemasan bagus dengan jumlah kecil, maklum saja para pabrikan kemasan hanya melayani pembuatan kemasan partai besar.

Walhasil, saat ini permintaan produk kemasannya mulai menyebar di seluruh Indonesia, selain sebagai mitra binaannya para UKM tersebut juga umumnya bergerak bidang produk makanan telah menjadi pelanggan setianya.

Beberapa produk yang ia hasilkan seperti stand-up pouch, alumunium foil, paper bag, plastic vakum, packaging machine, label dan lain-lain.

Ia mengatakan saat ini para UKM di Indonesia sering kali mengalami kendala dalam hal kemasan. Berdasarkan pengalamannya, banyak UKM terjebak dengan pemikiran bahwa produk UKM tidak harus bagus kemasannya sedangkan kemasan bagus hanya menjadi milik industri besar.

"Mereka UKM mikirnya pabrikan saja yang kemasannya bagus. Ternyata home industry juga bisa bagus, ini bisa menambah nilai jual loh," katanya.

Selain itu, kata dia, masih ada paradigma di pengusaha, UKM jika kemasan yang bagus akan menambah beban produksi, padahal kata dia saat ini kemasan sangat menentukan keberhasilan sebuah produk di pasar. Ia mencontohkan produk-produk impor terlihat sebagai barang mahal dan bagus, hanya gara-gara dikemas secara rapih dan moderen.

Ia menjelaskan komposisi biaya produksi dari kemasan setidaknya hingga 30% masih dianggap wajar dan layak dipertimbangkan. Saat ini, ia biasa menjual harga kemasan termurah untuk ukuran sachet antara Rp 250 -1600 per sachet. Sedangkan untuk produk kemasan termahal adalah jenis komposit yang dijual Rp 8000 per kemasan.

Ia menjual ukuran sachet minimal dengan jumlah pemesanan 20.000 lembar, sedangkan untuk pemesanan di pabrik kemasan skala besar biasanya meminta pemesanan minimal diatas Rp 200 juta, selain itu ia berani jamin produk kemasannya lebih murah dari harga pabrik besar.

"Bisa selisihnya sampai Rp 200 per sachet, lebih murah dari pabrik besar, ini sangat membantu UKM yang membutuhkan kemasan dengan jumlah pembelian dengan partai kecil," katanya.

Bagi UKM yang telah memiliki kemampuan produksi tinggi ia menyarankan proses penutupan (perekat) kemasan harus menggunakan mesin otomatis dengan harga Rp 4,8 juta per buah. Bagi UKM yang produksinya masih rendah ia menyarankan untuk menggunakan penutup kemasan manual seharga Rp 350.000. Beberapa alat-alat tersebut ia juga sediakan bagi mitra-mitranya untuk dijual.

Ia mengaku saat ini sering mendapat undangan dari departemen perdagangan maupun departemen perindustrian untuk memberikan penyuluhan terhadap UKM-UKM yang mengalami kendala dalam kemasan, termasuk konsultasi izin usaha, konsultasi membuat kemasan, membuat bar code, izin sertifikasi halal, standar produk makanan internasional dan lain-lain.

Hasilnya sampai saat ini bisnisnya semakin moncer. Dengan dibantu 25 orang karyawannya, setiap bulannya ia mampu membukukan omset hingga ratusan juta per bulan dengan menjual kemasan-kemasan seperti produk makanan, minuman, obat-obatan, kosmetik, produk kaleng dan lain-lain.

Anda tertarik?

(sumber : detikFinance>>Peluang Usaha)