A&W

A&W provides Franchise in Indonesia in fastfood restaurant industry. They have many delicious typical fast food menu such as hamburgers and french fries, as well as hot dogs. The company name was taken from the last name initials of partners Roy Allen and Frank Wright. The chain is currently owned by Yum! Brands.

One hot day in June of 1919 in Lodi, California an entrepreneur named Roy Allen mixed up a batch of creamy root beer and sold the first frosty mug of this delightful beverage for one nickel. Now, more than seventy years later, A&W Root Beer® is the world’s number one selling root beer and is still mixed fresh daily and sold at hundreds of A&W® restaurants.

Allen purchased the formula for his root beer from a pharmacist in Arizona. To this day, the unique blend of herbs, spices, barks and berries remains a proprietary secret.

With the success of his first root beer stand in Lodi, Allen soon opened a second stand in nearby Sacramento. It was there that what is thought to be the country’s first “drive-in” featuring “tray-boys” for curb side service, opened up.

Address : PT. Biru Fastfood Nusantara Jl. Wijaya 1, Jakarta Selatan

Estimated Investment : Rp. 300 Million

Is The Wrong Type of Equipment Finance Company Bad For (Business) Health?

They are all the same, aren’t they? Absolutely, positively… not! We are of course talking about the equipment finance company industry in Canada and how your selection of the right partner can determine which advantages and disadvantages you can enjoy… or suffer with. We prefer positive advantages that your business can benefit with, not Canadian business financing decisions that you will suffer via the wrong choice of a lease partner for your specific needs.

Ok, so what in the heck are we talking about? Essentially there are four types of asset finance partners in the equipment leasing industry in Canada. And you thought that a lease finance company was a lease finance company!

The first type of partner is the ‘captive’ – no you are not the captive! The term refers simply to finance companies that are owned and literally situated within various manufacturing firms. When clients ask us about lease finance options and they mention specific equipment we are always reminding them to ensure they determine if the manufacturer captive finance firm offers asset financing. If they do we can assure you it is probably the best financial terms you will be able to come up with, as well as a better chance for overall approval re rate, structure and other general terms. Why is that?

It’s to do with motivation – the captive finance firm is motivated to finance and promote the sale of products using financial options such as leasing to get the products out to the marketplace. Want to know a secret that should surprise most business owners and financial managers? It’s simply that captive finance firms in a competing industry will finance their competitor’s products, often at better rates, terms and structures. That is simply because the financial transaction will probably give the competing mfr a foothold into your business to promote and sell their own products. So don’t think that a great firm such as IBM CREDIT CORP. is the only firm that will finance your products you purchase through them. Others will also!

The second main group of asset finance firms in Canada is our chartered banks – Two major banks have leasing arms that are very significant, others employ lease finance to varying degrees. Our real only comment here is that the credit bar is high and more often than not you have to be a customer of the bank to enjoy the great lease and finance structures they offer.

The third main category of the Canadian equipment leasing company market is actually the largest and most robust. It also requires the maximum amount of knowledge and navigation by Canadian business owners and financial managers. This is the Independent lease finance market, where there are tens of firms that offer lease financing based on various criteria of asset size, credit quality, geographical preference, industry specialization, etc, etc, etc.

You have a great choice with our category 3 partners, the independent finance companies. You can spend tens or hundreds of hours determining their credit criteria, additional collateral they require, the size of deals they do, the different lease structures they offer, or… alternatively.. use our final category for lease provider, the independent lease finance advisor who are knowledgeable intermediaries who know the market, have a strong reputation with lease providers, and can match the advantages you seek in an equipment finance transaction to the right provider. Subtle nuances in your overall lease structure, depending on the size of your transaction, can save you thousands of dollars and untold grief at the end of the term of your lease.

So that’s your Canadian lease market overview. Speak to a trusted, credible and experienced Canadian business financing advisor who can successful guide you through the asset finance maze.

Unsecured Personal Loans – When You Are Your Guarantor and not Your Home

Sustainable development is at the heart of every human dream. You work hard every day and you grow emotionally and financially every day. Yet you find that you are still short of money when you want to buy something. There are smart ways to fill in for this financial gap. These are called personal loans. There is one personal loan for every occasion. Yes, even if you have no security to offer. There is a name for this smart borrowing method – unsecured personal loans.

Not everybody is easy with placing his home or any other dear possession for taking loans. This is highly understandable. The worst case scenario with secured personal loans is like repossession of home or property. May be it is just a possibility but still it is a possibility. If you do not want to comply with such a demand, unsecured personal loans are the ideal choice. If you are tenant then you won’t find a better and a more deserving way to borrow money than unsecured personal loans!

Well, if unsecured personal loans don’t ask for security, what do they ask for? Since loans are a profit making business what does the lender have in for him? Well that would be – interest rates. Interest rates for unsecured personal loans are higher. But that does not mean that Unsecured Personal Loans [http://www.easyfinance4u.com/unsecured_personal_loan.html]
are expensive and out of reach of any regular borrower. Interest rates for unsecured personal loans are relatively higher than secured personal loans.

Interest rates for unsecured personal loans are well defined by banks and other lending institutions. Lenders may still find that they are not offered advertised interest rates for unsecured personal loans. Interest rates on loans are a very ‘personal’ thing. This implies that rates are dependent on some factors. Scoring well on these factors will mean getting better rates.

Credit ratings are a very good way to get better interest rates with unsecured personal loans. Since you are not placing any security, your credit rating will be a picture of your credit worthiness. Find out your credit score before you apply for unsecured personal loans. Unsecured personal loans are possible for those with bad credit history like late payments, arrears, CCJs, bankruptcy etc. It is not that you won’t find unsecured personal loans for bad history; it is just that the accountability is in terms of interest rates.

Fixed or variable interest rates for unsecured personal loans are available. Interest rates are vulnerable grounds to tread on for both borrower and lender. They can make or break the loan lending decision for any borrower. Since borrowing market is basically consumer oriented, the choices for unsecured personal loans are many. In other terms it means – competition. Competition reduces interest rates and you may find better interest rates for your particular condition.

To find better rates for unsecured personal loans you would have to look through the internet. You will see extensive loan sites which offer unsecured personal loans. The loan amount that you qualify for with unsecured personal loans is £500-£25,000. Repayment term will be 6 months to 10 years. Unsecured personal loans can solve any kind of financial problem like holiday, home improvement, debt consolidation, wedding, car or whatever that shows up your doorway.

Unsecured personal loans at the end of the day are loans. It will have to be paid back. Though the lender cannot claim your property if you fail to repay but he can still legally claim his money through any civil procedure which will ultimately mean risking your home. Unsecured personal loans on which you have faltered will show in your credit ratings.

Unsecured loans take lesser time for approval. There is no collateral that has to be reviewed for approval. But before you apply have you reviewed the checklist. No?? Check for pre payment penalties, interest rate, loan term, reputation of lender, your credit rating. What else? Read, gather information, do whatever it takes to find a good unsecured personal loan. Just remember – there are ways to smart living and they don’t always ask for guarantee.

Acquiring Accredited Educational Training in Information Technology

In order for businesses to operate at full capacity they need their computer systems to work properly and remain secure. Information technicians are needed to manage and maintain these systems. Acquiring accredited educational training in information technology can be done through various schools and colleges. The field of information technology allows students to enter specific careers, which is only possible after gaining an appropriate education.

The workability, security, and availability of an organization’s technological resources are the main focal point of this industry. Professionals spend hours working with business technologies to provide usable interfaces, which can include databases, networks, applications, and digital systems. Students have many opportunities for educational training. Training options include:

 

  • Certificate Programs
  • Associates Degree Programs
  • Bachelors Degree Programs
  • Masters Degree Programs
  • Doctorates Degree Programs

Each level of training prepares students to accomplish specific and detailed oriented tasks. Information technology schools and colleges also offer students the chance to work through programs with a concentration. Popular concentrations include computer information science and information security. Students should explore career opportunities to choose the best educational training for their professional goals.

When completing an undergraduate degree program students can expect to gain a strong foundational understanding of the field. Computer operating, information, and programming systems are emphasized inside certificate programs. Training is broad and focuses on preparing students to install, manage, and operate different systems. Students often complete certificate programs to decide on which area of the field they would like to specialize in. Depending on the program students learn about computer science through course topics such as programming, project management, and database development. Associates degree programs also highly focus on the field as a whole to prepare students for a wide range of jobs. Technical communications, management systems, and network design principles are main areas of study. Students gain the skills needed to create, install, and maintain computer networks.

A majority of students start their education at the bachelor’s degree level. Educational training centers on the ability to develop, maintain, and configure a wide range of technologies. This service is utilized by organizations to manage their informational resources. Courses prepare students to solve technical problems and assist company users with technological needs. A wide range of subjects explore professional duties, which include studies in digital media publishing, networking, and application development. Through a typical 120 credit hour program students can step into careers as database managers, quality assurance analysts, and computer security specialists.

Graduate training programs explore advanced topics along with management techniques to prepare students for leadership positions inside their careers. Inside a master’s degree program management techniques and technology are examined. Through courses on multimedia, security, risk management, and operation system application, students gain strategic and operational management skills. To become high-level researchers, specialists, and professors a doctorate program is required. Global, finance, and organizational technology issues are explored in depth giving students advanced knowledge of the field.

Emerging Financial Stability, Banking Positive Moves

Indonesia. The government continues to maintain the stability of the financial sector is a source of liquidity for economic growth and development.

As the trend of economic growth continues to increase, the Chamber of Commerce and Industry (Kadin) Indonesia assess the rate of growth of the financial sector were also increased significantly.

“Nearly all of the banking sector until the middle of this year showed the stability of banking performance is maintained with an increasingly powerful intermediation in support of financing the economy,” said Vice Chairman of the Chamber Banking and Financial Rosan P Roeslani in his official statement.

Some of the performance indicators of the banking industry, he said, looks pretty solid development, as reflected by high capital adequacy ratio (CAR / Capital Adequacy Ratio) well above the minimum requirement of eight percent.

In addition, he said subdued ratio of nonperforming loans (NPLs / Non Performing Loan) gross under five percent. Banking intermediation continues to improve, reflected in credit growth to the end of June 2012 reached 25.8 per cent (year on year).

“With the developments in the banking industry, the expected capacity of the economy in the future may increase,” he said on the sidelines of the National Coordination Meeting of the Chamber of Commerce in Kuta, Bali.

Another positive indicator, outside of banking, capital markets and is a non-bank financial institutions are also part of the financial sector in Indonesia.

Nonbank institutions that help provide an alternative means of investment and financial planning for people that work pretty well. In general, the performance of the capital market and non-bank financial institutions until the first half of 2012 also showed significant progress.

Indonesia stock market scored positive performance throughout the first semester of 2012. In July 2012, JCI recorded an increase of 4.7 percent at 4142.34 compared to the previous month.

On the other hand, the government is expected to continue to support the growth of financial institutions and non-bank, with a range of government policies that support the financial sector.

Until now, the concentration of financial sector assets are still focused on the banking industry with a share of approximately 78.2 percent of the total assets of financial institutions. “Although the role of financial institutions such as finance companies, insurance companies and pension funds began quite prominent,”

History of State Bank Indonesia

Like the best knowledge about the world that Indonesia’s banking former colonial masters, the Dutch. Therefore, the history of banking was not separated from the influence that invaded his country for government banks and private banks. The following describes briefly the history of government-owned banks, namely:

*    Central Bank
Indonesia’s Central Bank is the Bank Indonesia (BI) based on Law No. 13 of 1968. Then again confirmed it by Law No. 23 Year 1999.Bank previously derived from De Javasche National Bank on it in 1951.
*    Bank Rakyat Indonesia and the Export Import Bank
*    Bank is derived from De Algemene Bank Volkscrediet, then melting after a single bank under the name of National Bank Indonesia (BNI) Unit II engaged in rural and export import (exim), separated again into:

1. In charge of rural to Bank Rakyat Indonesia with Law No. 21 Year 1968.

2. Exim charge of the Law No. 22 Year 1968 to Export Import Bank Indonesia.

*    Bank Negara Indonesia (BNI ’46)
*    Bank BNI Unit III underwent the Law No. 17 Year 1968 turned out to be Bank Negara Indonesia ’46.
*    Bank Dagang Negara (BDN)
*    Escompto BDN from nationalized bank in the Government Regulation No. 13 Year 1960, but the PP (Government Regulation) was repealed by replaced by Law No. 18 of 1968 became Bank Dagang Negara. BDN is the only one that is outside the State Bank of Bank Negara Indonesia Unit.
*    Bank Bumi Daya (BBD)
*    BBD was originally derived from Nederlandsch Indische Hendles Bank, later became Hendles Nationale Bank, further bank became Bank Negara Indonesia Unit IV and based on Law No. 19 Year 1968 to Bank Bumi Daya.
*    Development Bank Indonesia (Bapindo)
*    Regional Development Bank (BPD)
The bank was established in the regions level I. Its legal basis is Act No 13 of 1962.
*    Savings Bank Negara (BTN)
BTN came from De Post Paar Bank in the Postal Savings Bank in 1950. Further to Bank Negara Indonesia Unit V and finally to the State Savings Bank with Law No. 20 Year 1968.
*    Bank Mandiri
Bank Mandiri is the result of a merger between Bank Bumi Daya (BBD), Bank Dagang Negara (BDN), Development Bank of Indonesia (Bapindo) and Bank Indonesia Export Import (Exim Ban). The results of the four bank merger was implemented in 1999.

Small Business Loans – Financial Precision To Your Vision

Financial forecasts аrе gοοd indicators tο business owners οf hοw thеіr funds аrе tο bе raised cover thе ѕtаrt up cost fοr thеіr businesses. All thіѕ includes covering fees such аѕ rent, rates, electricity, wages, stationery аnd аnу items thаt аrе nесеѕѕаrу outgoings fοr уουr small business thаt mυѕt bе paid each month. Yes, іt іѕ a time tο cheer up, ѕіnсе fοr аll thе prospective small business plans, small business loans hаνе configured tο аѕѕіѕt thе emerging entrepreneurs.

Although preparing small business рlаn іѕ οftеn аn extensive аnd small business loans online intimidating task. Nevertheless, thе business owner gets a nеw perspective bу thе еnd. Thе business рlаn іѕ even though οnlу fοr banks, bυt іt аlѕο helps уου succeeding іn business.

 

Importance οf research іn preparing fοr уουr business Plаn:

o Thе research mυѕt bе thе core element οf еνеrу step уου intend tο take. Stаrt researching through уουr business рlаn tο guarantee success іn іt.

o Abandon іt, іf уου find аftеr уουr extensive research thаt іt саnnοt bе a gοοd рlаn.

o Chοοѕе another small business іdеа аnd small business loans online work through іt again.

It іѕ a gοοd іdеа tο gο through wіth аt lеаѕt ѕοmе business plans аt hand. Again іt іѕ gοοd tο research аnd small business loans online work out before уου find thе business іdеа thаt flourishes іntο thе successful business уου want tο rυn.

Consequently, fοr better financial feasibility, small business loans hаνе bееn bifurcated іntο secured аnd unsecured forms. If уου want tο ѕtаrt a home-based business, overlook thе home-business available οn various websites οr іn periodicals. Indeed, thеrе іѕ nο shortcut fοr starting a successful home-based business. Tο thе contrary, thе unsecured forms οf small business loans, οn processing thеѕе loans done without аnу sort οf pledging placing.

Thе small business рlаn steps given above, еnd up wіth аn іdеа thаt actually hаѕ thе prospective tο succeed along wіth thе money аnd small business loans online thе satisfaction уου hаνе bееn dreaming.

BlackBerry Create Successful People Use

In the midst of news about the decline in stock prices and financial losses that hit, CEO of BlackBerry manufacturer Research in Motion (RIM), Thorsten Heins, remains optimistic about the future of his company.

In an interview with tech site Tech Crunch, Heins said that BlackBerry users will continue to be “successful”.

“Success, because this (BlackBerry) facilitate the people in their lives and provides a very convenient way of communicating.”

Heins thought that the convenience of communication is important for the user. Although saying that e-mail is one of the basic benefits of the BlackBerry, according to Heins, the user is no longer just rely on e-mail, but also Twitter, Facebook, and fuel to communicate.

Heins’s vision is to make BlackBerry users to stay connected through various types of communication medium and made it easy to use, and notification.

Though disappointed with the delay in the release of BlackBerry 10, Heins states have no doubt that the BlackBerry RIM 10 will be the savior of the future. BlackBerry device 10 which will be launched in the first quarter of 2013 calls are not from the type with a physical QWERTY keypad, but carries the full-touch interface.

“Here is the (full-touch segments) we will try to grab back market share in the United States and convince users that the BlackBerry is not only reliable for businesses, but also for the general consumer,”

While preparing for BlackBerry 10 for its appearance scheduled for next year, trying to divert RIM BlackBerry phones are still using BlackBerry OS 5 for immediate use BlackBerry OS 7, which according to Heins’ is still competitive today. ” Mobile phones with BlackBerry OS 5 especially numerous in the Asia Pacific region.

Heins own day-to-day carrying your BlackBerry 9900, BlackBerry Playbook two (one privately owned while others are for work), following an ultra-based BlackBerry devices BlackBerry series mobile phone 10 for L.

Business Students in Free Land

Business can indeed anywhere, not least in the car park at the University of Indonesia. Some UI students, using his personal car for business outlets. Products that sell diverse, ranging from trousers, shirt, t-shirts and other fashion. Usually they are with their friends make a pact with each other or the first contact. Sometimes there are other students who are passing or being in that location, and are interested in buying products that simply displayed in the trunk of the car.

Generally, the products sold are branded fashion and have a good quality, but sold at a price affordable to the size of the pockets of students. The key, the source of WK, which is also still a second year student in the faculty at the UI campus, who requested anonymity, they must be very clever to find the first source of such products. There are times when the rest of the export or products with specific qualifications. There are also new merchandise with designs that have not been on the market. Is essentially exclusive.

Entrepreneurship has now penetrated to all students. Ranging from freshmen, to the final level. Business activities also vary, ranging from small to large capital capital, with a makeshift facility, or use a personal car as that of these children.

It seems there is now a new awareness that students can not only be asking for money to the parents, but may find themselves with money to run businesses. Of all of the learning process: learning to do business, learn to build courage.