Membangun usaha memerlukan konsekuensi yang cukup besar. Mulai dari modal, konsep usaha, produksi barang, sampai sistem pemasaran yang cocok. Pengambilan keputusan yang salah akan mengakibatkan kebangkrutan.

 

Di balik mimpi berharap berhasil, pebisnis acap kali kali menghadapi kendala dalam hal modal. Wajar saja apabila modal yang diperlukan dalam bisnis dapat dikatakan cukup besar.

 

Tapi, tahukah Anda apa sajakah yang menjadi sumber modal usaha? Berikut ini untuk Anda yang lagi cari modal usaha, sumber-sumber untuk menerima modal usaha:

 

  1. Memanfaatkan Tabungan Pribadi

 

Tabungan menjadi alternatif pinjaman utama tanpa modal. Cara yang satu ini dapat dibilang cukup aman sebab pelaku bisnis tidak perlu memikirkan bunga pinjaman dan tanggal pembayaran. Kesudahannya, pikiran pun jauh lebih hening dan mengerjakan bisnis terasa lebih nyaman.

 

Akan namun, pelaku bisnis acap kali kali terlena saat dimodali dengan tabungan pribadi. Pasalnya, tidak ada kewajiban untuk mengembalikan uang pinjaman. Pelaku bisnis pun menjadi “terlalu” santai dan “kurang” berpikir bagaimana sistem memutar modal hal yang demikian menjadi keuntungan yang besar.

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Perlu diingat, bagaimana pun uang yang diambil dari tabungan semestinya dikembalikan lagi. Anggaplah uang tabungan sebagai utang supaya diri Anda berharap mengredit pembayaran dan bunganya tiap-tiap bulan.

 

  1. Memanfaatkan KTA

 

Baik perbankan ataupun pemerintah, keduanya menawarkan sistem Kredit Tanpa Agunan (KTA). Layanan pinjaman ini lazimnya diperuntukkan bagi karyawan yang berprofesi di suatu instansi pemerintah ataupun swasta.

 

Pencairan KTA dapat dibilang gampang. Pelaku bisnis cukup memiliki riwayat kredit (BI Checking) yang baik dan melengkapi semua dokumen yang diperlukan. Bunganya pun terbilang ringan dimulai dari 0,95 prsen.

 

  1. Memanfaatkan Koperasi

 

Koperasi juga menawarkan sistem pinjaman tanpa jaminan. Koperasi yang berasaskan “kekeluargaan” membuat sistem peminjaman cukup gampang. Persyaratan-prasyarat yang dilengkapi juga tidak ribet layaknya meminjam di bank.

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Pada lazimnya, koperasi disediakan kelompok sosial pelaku bisnis. Para pebisnis lazimnya akan dihimpun ke dalam suatu kategori untuk dibuat sebagai kelompok sosial yang lebih besar. Komunitas didirikan layaknya sebuah perusahaan di mana pesertanya diberi jabatan yang cocok dengan keahliannya.

 

Modal yang diperoleh koperasi dihimpun dari pelaku bisnis dan diterapkan untuk kesejahteraan semua pelaku bisnis. Akan namun, koperasi sekarang telah meluaskan cakupan kreditur.

 

Artinya, semua orang dibolehkan untuk mengambil pinjaman asalkan status kreditur dipercaya dan dianggap kapabel untuk mengredit pinjaman tiap-tiap bulan.

 

  1. Memanfaatkan Pemodal Mitra

 

Cara berikutnya adalah dengan minta bantuan modal dari para pemberi modal. Anda dapat membuka kesempatan investasi lewat forum bisnis atau kelompok sosial bisnis di media sosial.

 

Tapi, sistem ini tidaklah gampang, mengingat susahnya untuk meyakinkan para pemberi modal di luar sana. Apalagi apabila bisnis yang dikerjakan belum direalisasikan.

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Sebelum minta modal dari para pemberi modal, pelaku bisnis lebih-lebih dahulu semestinya menyiapkan proposal usaha. Gunanya sebagai gambaran mengenai bisnis yang dikerjakan.

 

Proposal haruslah berisi info detail mengenai tiap-tiap bidang usaha. Proposal usaha yang berkwalitas tentu akan menarik ketertarikan pemberi modal untuk bergabung.

 

Jadi, luangkan waktu untuk memikirkan bentukan proposal hal yang demikian. Manfaatkan jaringan atau tautan untuk menguatkan pembuatan proposal.

 

  1. Memasarkan Aset yang Dimiliki

 

Sumber modal usaha terakhir adalah dengan menjual aset atau harta yang dimiliki. Entah itu rumah, tanah, apartemen, mobil, perhiasan, emas, dan lainnya. Apa pun aset yang dimiliki dapat dijual untuk menerima modal usaha.

 

Mengenal jumlah modal yang diperlukan itu penting sebelum walhasil menjual aset. Tujuannya supaya modal yang diperoleh tidak mubazir dan dapat dialokasikan cocok dengan fungsi dan unit kesibukan dari bisnis yang dikerjakan.

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