Debt management is the key to success of a businesses engaged in finance, especially banks and cooperatives. To avoid the credit risk of the banks a lot of targeted micro market where financing is focused on providing capital to small and medium entrepreneurs. Usually employers are located in the traditional market, the plasma market, and in densely populated environments, in the home business industry. They generally have capital of between 5 million till 500 it. However, having a rapid turnover.
In this era many banks took aim at the micro market has resistance due to the global economic crisis, business micro loans are not subject to direct impact if the global economic crisis. Their efforts are generally simple but capable of absorbing a lot of labor. With disburse funds, the bank credit phases to avoid such problems by doing the following:
1. Residential customers surveyed
2. Doing survey guarantee
3. Conducting the survey
4. Checking credit documents
After the move was all run possible can minimize problem loans. So the profit that the bank could earn a maximum. In the management of bank loans can also provide guidance to customers in financial management such as selecting a business location, business bookkeeping, and maintaining customer relationships in order to remain faithful. In addition, the management of the bank loan can give rewards to customers each semester, in the form of gifts or discounted installments. This is strategically to familiarize customers care about installment obligations. In addition, the bank can also use the services of a collector by hiring professionals. If this is done possibility strategy troubled loans microcredit can still be controlled.
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Debt management is good at micro-credit
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