Myth of Debt

If the business you want to get ahead, then the debt to the company I guess notproblemMyth or assumption "Debt is Bad", can really go wrong. True debtbad, if you owe too much, only for consumptive purposes. Butwhen debt is used by us to do business or business, then the assumptionbad debt it is wrong.I agree, that if we have personal debt, should be adjustedwith ability. Not a lot. Our debt and make sure that no pay.In business, when our business began to grow, certainly in dire needadditional working capital and investment. If we want to progress, then the debt for the businessnot a problem, it is very necessary. As long as we can use it appropriately,it will only make our business more developed. As an example wehas a capital of Rp. 10 million. Of capital that we unntung 20%, then the profit we earn Rp. 2 million. But if from Rp. We can bring in 10 million additionalcapital of Rp. 90 million of debt, so that capital to Rp. 100 million, the profitwe are 20% to Rp. 20 million. From here we can compare howprofit before and after we get the capital from outside. It's a matterSimple.Many ways to get debt. For example through the bank. But the bankin lending would have seen our credibility. If we are good business,why we are afraid of debt. Because of the added capital, then our business willfor the better. So that our business grows, its positive impactcan create new jobs.Working capital loan is a form of debt that we can use.And capital that we can continue to use, because the system account, which wepay interest on the loan balance that you are taking. Each of our maturityextended. Even if our business moving forward, then we can applyAdditional credits again as needed. What is important in the debt does not existslightest thought or intention to ngemplang or no pay. We have no intentionkeep good credit agreement with a bank.We need to know, the bank itself in operation always usesintermediation functions, namely the distribution of funds and raise funds. Both of these functionsmust be balanced. In lending, the bank expects gainsfor smooth operation and improving the welfare of employees, as well asdevelopment of the bank itself. As for us who use credit sobusiness grew, so its positive impact, well-being of employees willincreased. This is where the need, the bank and the entrepreneur mutual cooperation, mutualprovide support.Actually, a person who has a bad image in debt, theis essentially due to the broken promises, can not pay or evenngemplang not want to pay. But there is also a bad image created by theirwho do not believe for a debt. So as compensationirritation, they spread rumors, that debt is bad. Such assumptionshould not have happened, because what we are doing it for the betterment of the businesswe. Unfortunately, most people believe about it. And if wewould exist and advance in business, one step that is to be willing and kituable to leverage funds from other parties. To do that it required courage and optimism. We couldhave a sense of optimism even with their own capital, although some say, businesswith our own capital means selfish, not social, do not want to-for profit.And from the spiritual aspect, I think, the more we involve the funds of othersseparately develop the business, so the more people come to pray businesswe. Conversely, if our business using their own capital, then who praywe have only our own business. Dare to try?