Senin, 29 Oktober 2018

Contoh Business Project

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CHAPTER I
INTRODUCTION



1.1  The Background

In globalization era, home industry is increasing, especially local products. Everyone knows and likes Tofu, one kind of cheap and delicious food which is sold everywhere. Tofu has been popular food of Indonesian society. The popularity of Tofu is unlimited because not only its taste is good but also it is easy to make and can be processed into various meals as well as the price is cheap. Additionally, Tofu is one of food that has high protein and the quality is equivalent to animal protein. Tofu is usually consumed by many people, both children and adults.

            As we know that every city has famous local food, and so does Sumedang. Sumedang has the most famous food, namely Tahu Sumedang. Tahu Sumedang is different from the other tofu.

            Tahu Sumedang is one of traditional food in Sumedang. Tahu Sumedang is rich in protein because the basic material is from soybeans containing high protein. Consuming protein is certainly very good for the growth of the body, especially for children.

            The inovation that I have of Tahu Sumedang is Tahu Kremes. Tahu Kremes has special characteristics such as crispy and delicious and can be used as souvenir from Sumedang. Everyone likes Tahu Sumedang very much beacause its high nutritious and without preservative.


1.2  The Purpose

In running a bussiness, an entrepeneur has the purpose why she/he establishes the bussiness. The followings are the purposes of our business:

1.         To increase local product
Time after time, many local products are often overlooked. Therefore, we intend to increase the exitance of local product in Sumedang, namely Tahu Sumedang.

2.         To share bussiness experience
This bussiness has good prospects to be developed by many people. And then, if we share this bussiness experience to others, Tahu Sumedang will be widely known by many people.

3.         To improve market opportunities and prospect

4.         To get high profit
Besides our product can be known by many people, getting high profit is one of our goals in increasing the progress of the bussines.


1.3. Business Vision And Mission

A.    Business Vision
“Be a competitive product in quality and quantity in the global market, do not pollute the environment, and create a traditional concept.”

B.     Business Mission
·         To open market opportunity.
Even though many competitors are range in the same business, but we work around with the different innovation of the products that already exist. That with better taste of the innovation, affordable price, and highly nutritious. We believe that Tahu Sumedang is able to compete in the market.
·         To provide the best service to consumers.
Service is one of important aspects in increasing the quality of the business. We must be better doing the excellent service to consumers.
·         To make Tahu Sumedang as the favorite food.
We will always increase the quality of our product that Tahu Sumedang can be favorite food for many people.
·         To maintain the quality of the product and environment.
Not polluting the environment is one of our reference to make Tahu Sumedang be more quality.
·         To maintain the purity of product.
With maintaining the purity of our product, to become Tahu Sumedang has good taste.




CHAPTER II
FEASIBILITY STUDY



2.1 Specification of Product

Tahu can be sold in Original Tahu Sumedang and Tahu Sumedang Kremes. Here is the price of our product:

  •          Original Tahu Sumedang / Cup (4 pcs) Rp. 2.500,00
  •          Tahu Kremes / Cup (4 pcs) is Rp. 3.500,00
  •          Lontong is Rp. 500,00
  •        Sambal is Rp. 1.500,00

            The price can be changeable according to market conditition. Tahu is usually packed by using Bongsang and Cangkedong.


2.2 SWOT Analysis

          Before we do the business activities, we must pay attention to the problems and threats which can disturb our business activities in the future and we have to find the opportunity that is profitable to run our business. Therefore, we must make business plan by using SWOT analysis. They are:

·           Strength
·           Weakness
·           Opportunity
·           Threat

          By SWOT analysis, we can find the strength, weakness, opportunity, and threat of the business that can increase our product.

          Here is the SWOT Analysis of Tahu Sumedang:

A.    STRENGTH

1.        Tahu Sumedang is the famous local product.
Tahu Sumedang has known by many people. It can be one of our strength that can be able to increasing our business.
2.        High nutritious and rich of protein.
Being made from high quality soybeans makes Tahu Sumedang highly nutritious and rich of protein. It can be consumed by all people, such as children, tennagers, and adults.
3.        Crispy and delicious
Because Tahu Sumedang has different from appearance. It is crispy outside and soft inside.
4.        Favorite food.
Because the taste of Tahu Sumedang is different from another tofu, it makes our product excellent as a favorite food.
5.        Affordable price.
Just with Rp. 5.000,00 you can enjoy our product that has high taste.
6.        No preservative.
To maintain the purity of our product, in the production of Tahu Sumedang we do not used preservative. Because, preservative is not good for our health.
7.        Having a lot of marketing relation.

B.       WEAKNESS

1.         Not lasting food.
Because it is without preservative and has high water content, it makes our product not durable.

2.        Easily cracked.
The soft texture of tofu makes our product easily cracked if it is not maintained properly.

C.      OPPORTUNITY

1.         Easily to get.
Because our product is sold everywhere, even at side streets along West Java road, it makes it easy for consumers to buy Tahu Sumedang with affordable price.

2.         Not only as a main meal, but also a snack and a sourvernir.
Many people enjoy Tahu Sumedang as a snack. Moreover, you can make our product as a souvernir from Sumedang.

3.         A lot of shops along the street.
There are a lot of shops along the street that can increase the target of our business.

4.         The culture of consumerist society.

D.      THREAT

1.         A lot of competitors from other snack products.
Because of many competitors who sell the similiar product, it makes a threat for our business.

2.         Expensive soybeans as the main material.


2.3    Marketing Mix (4P Concept)

In marketing, there are four basic elements of marketing activities. They are called 4P; product, price, place, and promotion. To provide customer’s satisfaction, the 4P Concept is necessary to be set up well by concerning what customers need and want.

A.      Product
The product is TAHU KREMES. It is from selected and high quality materials. Has a delicous taste, and good for our health.

B.     Price
The price of our product is very competitive and cheap, and it can be bought by everyone. Original Tahu Sumedang / Cup is Rp. 5.000,00 contains 4 pcs Original Tahu Sumedang, 2 pcs Lontong, and 1 pcs Sambal. Tahu Kremes / Cup is Rp. 6.000,00contains 4 pcs Tahu Kremes, 2 pcs Lontong, and 1 pcs Sambal.

C.      Place
Our product can be found on bazaar in SMKN 2 Sumedang.

D.      Promotion
The promotion is carried out by spreading brochures and personal selling.




CHAPTER IV
CLOSING


4.1      Conclusion
           Tahu Sumedang is one of  traditional food in Sumedang. Our product is different from the other tofu because Tahu Sumedang has different appearance, it is crispy outside and soft inside. It can be consumed by all people because it is made from soybeans containing high protein.
Based on the explanation, we can conclude that:
1.         The purpose of our business is to promote local product and to increase society’s income.
2.         This business has good prospect to be developed.
3.         The profit percentage of my business is 37,6 %.






Source :


Contoh Surat Resmi dalam bahasa Inggris

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PT MATAHARI TERBIT DARI BARAT
Jln. Pramuka No. 55  Jawa Barat
Telephone. 4321009
=========================================================
Number   : 0234/Oktober/2017                                                                                       
Subject    : Request Meeting
Appendix : –

To:
Mrs. Nita Rahman
Marketing Manager
PT. MELINGKAR BAKTI

With respect,
Ceremony to celebrate the birthday of our company, through this letter we invite all managers PT Melingkar Bakti to attend the preparatory meeting to be held on:
Day/Date : Monday / 14 November 2017
Hours      : 9:00 to 12:00
Place       : Multipurpose Building
Since you are an organizer in this event, we hope that you will be able to come. Thank you for your attention.

Sincerely,
Destya Ramadhani
Chairman of the committee

Sabtu, 20 Oktober 2018

Financial Technology

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Financial Technology (Fintech)


A.              Pengertian Fintech

Fintech adalah sebuah sebutan yang disingkat dari kata ‘financial’ dan ‘technology’ di mana artinya adalah sebuah inovasi di dalam bidang jasa keuangan.

B.               Sejarah munculnya Fintech

·                  Awal Perkembangan FinTech di Dunia
FinTech di dunia digital diawali dengan kemajuan teknologi di bidang keuangan. Perkembangan komputer serta jaringan internet di tahun 1966 ke atas membuka peluang besar bagi para pengusaha finansial untuk mengembangkan bisnis mereka secara global.
Di era 1980an, bank mulai menggunakan sistem pencatatan data yang mudah diakses melalui komputer. Dari sini, benih-benih FinTech mulai muncul di back office bank serta fasilitas permodalan lainnya. Di tahun 1982, E-Trade membawa FinTech menuju arah yang lebih terang dengan memperbolehkan sistem perbankan secara elektronik untuk investor. Berkat pertumbuhan internet di tahun 1990an, model finansial E-Trade semakin ramai digunakan. Salah satunya adalah situs brokerage saham online yang memudahkan investor untuk menanamkan modal mereka.
Tahun 1998 adalah saat di mana bank mulai mengenalkan online banking untuk para nasabahnya. FinTech pun menjadi semakin mudah digunakan masyarakat luas, juga makin dikenal. Pembayaran yang praktis dan jauh berbeda dengan metode pembayaran konvensional membuat perkembangan FinTech semakin gencar. Layanan finansial yang lebih efisien dengan menggunakan teknologi dan softwaredapat dengan mudah diraih dengan FinTech.

·                  Perkembangan FinTech di Indonesia
Di Indonesia sendiri, perusahaan yang memanfaatkan FinTech baru muncul beberapa tahun belakangan. Penggunaan internet dan smartphone yang semakin meningkat di masya  rakat Indonesia membuat FinTech semakin populer. Tidak heran bila dalam waktu belakangan, usaha FinTech menjadi pilihan bagi generasi muda yang ingin menanam atau mengakses modal.
Sebut saja Modalku yang saat ini menjadi salah satu perusahaan FinTech muda di Indonesia. Modalku memudahkan masyarakat untuk mengakses modal sekaligus mencari alternatif investasi. Platform FinTech yang disediakan oleh Modalku mampu mendukung pertumbuhan pengusaha dan bisnis kecil serta memberikan alternatif investasi yang menarik dan terpercaya untuk setiap pemberi pinjaman.
Menariknya, usaha FinTech di Indonesia sangat terbantu berkat sifat yang terbuka dari bank dan regulator. Bagi mereka yang konvensional, usaha FinTech dapat dianggap kunci kehancuran bidang perbankan. Namun, bukan seperti itu. Usaha FinTech justru mampu berkolaborasi dengan baik bersama bank. Keterlibatan usaha FinTech dengan sistem perbankan Indonesia juga memperlebar jaringan layanan keuangan bagi penduduk lokal, sehingga nasabah semakin banyak dan inklusi finansial di Indonesia semakin berkembang. Hal ini juga tentu akan sangat baik bagi perkembangan produk keuangan di Indonesia yang saat ini relatif rendah.
c.                  Jenis-jenis Fintech
1)      Payment, Clearing dan Settlement
Ini adalah fintech yang memberikan layanan sistem pembayaran baik yang diselenggarakan oleh industri perbankan maupun yang dilakukan Bank Indonesia seperti Bank Indonesia Real Time Gross Settlement (BI-RTGS), Sistem Kliring Nasional BI (SKNBI) hingga BI scripless Securities Settlement System (BI-SSSS). Contohnya, Kartuku, Doku,iPaymu, Finnet dan Xendit.
2)      E-aggregator
Fintech ini menggumpulkan dan mengolah data yang bisa dimanfaatkan konsumen untuk membantu pengambilan keputusan. Startup ini memberikan perbandingan produk mulai dari harga, fitur hingga manfaat. Contohnya, Cekaja, Cermati, KreditGogo dan Tunaiku.
3)      Manajemen resiko dan investasi
Fintech ini memberikan layanan seperti robo advisor (perangkat lunak yang memberikan layanan perencanaan keuangan dan platform e-trading dan e-insurance. Contohnya, Bareksa, Cekpremi dan Rajapremi.


4)      Peer to peer lending (P2P)
Fintech ini mempertemukan antara pemberi pinjaman (investor) dengan para pencari pinjaman dalam satu platform. Nantinya para investor akan mendapatkan bunga dari dana yang dipinjamkan. Contohnya, Modalku, Investree, Amartha dan KoinWorks.
D.               Meta analisis jurnal tentang Fintech
No
Penulis
Tahun
Variabel
Metode
Hasil
1.
Budi Wibowo
Analisa Regulasi Fintech Dalam Membangun Perekonomian Di Indonesia
·    Variabel dependen:
Kehadiran layanan keuangan berbasis teknologi (Fintech)
·   Variabel independen: perkembangan teknologi informasi dan komunikasi
Kualitatif
Kehadiran layanan keuangan berbasis teknologi (FinTech) di Indonesia telah menjadi keniscayaan  sejalan dengan perkembangan teknologi informasi dan komunikasi.
2.
Muhammad
Said Hannaf Wimpi  Gea Seprina Putri
Linkage Pembiayaan Dan Manajemen Risiko Berbasis Modal Sosial Pada Financial Technology : Strategi Peningkatan Pembiayaan Inklusif
·   Variabel Independen: Strategi bisnis dengan melakukan linkage pembiayaan pada industri fintech
·   Variabel Dependen: problem pembiayaan konsumtif dan terjebaknya pola pembiayaan menggunakan akad murabahah.
Kualitatif
Strategi bisnis dengan melakukan
linkage pembiayaan pada industri fintech merupakan bentuk upaya keberlanjutan pembiayaan serta solusi atas problem pembiayaan konsumtif dan terjebaknya pola pembiayaan menggunakan akad murabahah.
3.
Fitri
Nuraini1, Rieska Maharani2 dan Andrianto3
Strategi Peningkatan
Daya Saing UMKM Dan Koperasi Dalam Menghadapi AEC (Asean Economic Community): Suatu Telaah Kepustakaan
·   Variabel Independen: Peran UMKM
·   Variabel Dependen: menciptakan lapangan kerja bagi masyarakat dan penyumbang ekspor produk non migas yang dapat menambah pendapatan devisa negara.
Kualitatif
Peran UMKM sangat penting dalam menciptakan lapangan kerja bagi masyarakat dan penyumbang ekspor produk non migas yang dapat menambah pendapatan devisa negara.
4.
Nofita
Wulansari1, Wahyu dan Yunus Kurniawan
Akselerasi Pertumbuhan
Ekonomi Melalui Sinergi UMKM Dan Good Governance Di Indonesia
·   Variabel Independen: Peran UMKM di Indonesia

·   Variabel Dependen:
perekonomian bangsa ketika terjadi krisis.
Kualitatif
Peran UMKM di Indonesia menjadi
poin penting dalam mendorong pertumbuhan ekonomi.UMKM mampu bertahan dan menyelamatkan perekonomian bangsa ketika terjadi krisis.
5.
Novia
Nengsih
Peran Perbankan Syariah
Dalam Mengimplementasikan Keuangan Inklusif Di Indonesia
·  Variabel Independen:
pertumbuhan perbankan syariah

·   Variabel Dependen:
peningkatan aset, Dana Pihak Ketiga (DPK) naik 15% sampai 45% per tahun, pembiayaan juga mengalami kenaikan yang signifikan mencapai
50,05% per tahun
Kualitatif
pertumbuhan perbankan syariah
terlihat dari peningkatan aset, Dana Pihak Ketiga (DPK) naik 15% sampai 45% per tahun, pembiayaan juga mengalami kenaikan yang signifikan mencapai
50,05% per tahun



E.                 Referensi :
·         CNBC Indonesia, Edukasi Fintech, ‘Ini Dia Empat Jenis Fintech di Indonesia’, 10 Januari 2018, <https://www.cnbcindonesia.com/fintech/20180110145800-37-1126/ini-dia-empat-jenis-fintech-di-indonesia> [diakses 18 Oktober 2018]
·         Muzdalifa. I,  Aulia. I.R, Novalia. B.G, 2018,  PERAN FINTECH DALAM MENINGKATKAN KEUANGAN INKLUSIF PADA UMKM DI INDONESIA (PENDEKATAN KEUANGAN SYARIAH), Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, Vol. 3. No. 1. 2018