For Small and Medium Enterprise business unit, the first step to apply for credit applications are usually difficult. In fact, this might be a good time to present it because the business was in need of expansion and additional capital.

Group Head of Business Development for SMEs from Bank Negara Indonesia (BNI) Ayu Wulandari said the student must stress three principles in his business proposal, namely a complete, clear, certain.

the data completeness of the proposal is an absolute requirement to immediately obtain the certainty of your credit from the banks, ie public information efforts, mortgage information, financial information, description of business activities, as well as specific information and assumptions of business development.

weaknesses of the business proposal that eventually resulted in a long process, or even rejected by the bank concerned, as no mention of the amount of credit will be filed, owned the business experience, legal and business licenses owned, business location and its status whether rent or own property, as well as the means which has been owned and unused capacity.

In addition, the proposal does not usually attach financial data including data cash, receivables, inventories, accounts payable, capital, sales and operational costs. The proposal also does not mention in detail the facilities owned and are not equipped with data suppliers and customers as well as real data that supports the business prospects for the future.

Meanwhile, in BNI own, credit filing procedure is not too difficult. We simply contact the office nearest BNI the business location of the prospective borrowers. Then, candidates simply complete the necessary documents, such as identity cards such as Identity Card and Family Card, and business proposals, college recommendations, personal guarantees, collateral documents (if any) required for a credit application, and then turn it over to the Bank for actionable .

BNI officers will then visit the prospective borrowers to verify data that has been submitted. After verification, the officer will conduct the analysis. If the data is complete in seven days, a credit decision will be out. If approved, the Bank will issue a Decision Letter of Credit (SKK). Banks and borrowers will sign a loan agreement documents.