For entrepreneur, capital is oen of the most important things to run a business. By having liquid current activa or asset, a business can budget and do some cutting cost for production but managing how to produce best quality products. This will impact to expand the business in the future.
Looking for loans, sometimes, makes mostly decision makers think deeply. It is because of the interests decided by the creditors. In conventional bank, mostly banking system provides loans with high interest which is measured from Government policy. Besides, the growth of small scale industries have created new style in loans and more competitive the offers offered by conventional banks.
In Indonesia, BMT (small corporation which runs a banking system) or Syariah Bank gives more competitive loans without giving exact or certain interests to the customers. This advantages is one of the benefits for the young entrepreneur specially for home industries. Loans without high risks becomes the small scale industries alternatives to have a liquid capital to support their business.
From my observation, Syariah bank succeeds to take its customers to get successful and about 60% small scale industries have exported their best products to overseas. Besides, the flexibility in managing and payment method of Syariah bank has make syariah bank as the best solution for mostly debitors in Indonesia.
In line with the movement of goverment policy in tax (exports), entrepreneurs takes part in speculation and forces their assets towards export orientation. Besides, they also help government to increase gross district income about 5,8% per year.
Syairah Bank has many products which gives its customers the easiness in payment and in managing the capital given. The flatform of loan is various. It depends on the width of the business.
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