Pages

Friday, July 20, 2007

Grace Period

Selama ini didalam benak debitur atau nasabah kredit ketika kredit dicairkan, pada bulan berikutnya mereka harus segera mengangsur (untuk skim kredit instalment bukan kredit rekening koran). Padahal dari dana pembiayaan tersebut, belum tentu sudah memberikan laba bagi nasabah debitur tersebut. Logikanya, pembiayaan untuk pembelian investasi mesin yang diterima katakanlah bulan agustus, lalu bulan september harus sudah mengangsur. Secara ekonomis mesin tersebut belum menghasilkan, tentunya tidak fair apabila diwajibkan untuk mengangsur.
Untuk kredit dengan jumlah besar biasanya grace period diberikan oleh pihak bank, hal ini bisa diberikan sehubungan tidak adanya cadangan kas untuk menutup angsuran ke bank selama dana kredit belum maksimal menghasilkan profit. Untuk kredit kecil atau UKM rasanya jarang grace period diberikan walaupun pada dasarnya penerima kredit dalam jumlah kecil juga berhak untuk memperolehnya. Alasannya adalah bahwa selama ini pengusaha penerima kredit kecil tidak pernah protes atau tidak pernah meminta penangguhan bayar kepada bank, selain itu juga karena tidak adanya keinginan bank yang tulus untuk benar-benar memberdayakan nasabahnya. Yang ada dalam pikiran bankir umumnya adalah target tercapai, uang yang dipinjamkan segera kembali. Biasanya bankir baru akan memberikan special treatment bila debiturnya menemui masalah dalam pengembalian kreditnya, bisa dalam bentuk penjadwalan ulang pembayaran, pemberian grace period dimasa pertengahan pembiayaan berjalan dan lain-lain.
Sekedar bukti saja, pembaca dapat menanyakan kepada penerima kredit menengah kebawah apakah mereka pernah mendapatkan semacam grace period untuk fasilitas kreditnya. Saya yakin mayoritas debitur tersebut pasti akan kaget, dan balik menanyakan bahwa fasilitas tersebut apakah benar ada dan apakah dapat mereka nikmati. Sebenarnya juga lucu kalau bank tidak memberikan grace period untuk debiturnya, karena mereka itu sebenarnya berinvestasi kepada debitur dengan menharapkan keuntungan dari pemberian kredit yang diberikan kepada nasabahnya. Dan memang bila nasabah kredit mempunyai idle cash yang cukup, juga tidak perlu memperoleh grace period, setidaknya cost of fund (biaya bunga) yang ditanggung tidak menjadi banyak.

Lalu bagaimana caranya agar kita bisa memperoleh fasilitas grace period? Hal ini bisa dijelaskan kepada Bank melalui cash flow perusahaan yang anda buat. Dari cash flow itu bisa ditunjukkan kapan kredit yang akan anda terima sudah bisa mengangsur kredit itu sendiri. Tapi jangan lama-lama minta grace period kepada Bank, hal ini perlu dinegoisasikan dengan mereka. Bisa 1 bulan, 2 bulan, 3 bulan, 6 bulan atau 1 tahun, pihak Bank dapat memberikan grace period kepada nasabah kredit.
Oh iya perlu saya sampaikan bahwa sesungguhnya grace period itu adalah kesempatan yang diberikan kepada nasabahnya untuk tidak membayar pokoknya untuk beberapa waktu. Ingat pokok hutang saja yang tidak bayar, tapi untuk pembayaran bunga atau margin tetap wajib untuk dilakukan setiap bulan (soalnya bank mempunyai kewajiban untuk membayar bunga atau bagi hasil kepada nasabahnya). Simulasi grace period silakan click disini
Ok. selamat berbisnis. Salam hangat dimusim panas.

8 comments:

Anonymous said...

Web Design Specialist at Angel MedFlight Worldwide Air Ambulance. [url=http://www.abacusnow.com/jpmoncler.htm]モンクレール ベスト[/url] that a child go to public school instead of homeschooling. [url=http://www.abacusnow.com/nfl.html]Cheap nfl jerseys[/url] know it, but Ireland didnt even have pumpkins back then. Really. [url=http://www.abacusnow.com/beatsbydre.html]Beats By Dre Cheap[/url] Jones jeans. This particular Jack Jones jean is also well matched
jack o lantern looks to stem from an Irish fairy story about a [url=http://www.abacusnow.com/nfl.html]Cheap nfl jerseys[/url] including the type of engine used. However, one car part that [url=http://www.abacusnow.com/hollister.htm]Hollister Ropa Outlet[/url] could be found beautifying the stoops of houses across United [url=http://www.abacusnow.com/beatsbydre.html]beats by dre[/url] decayed jack o lanterns from high places and watching the
at-risk and under-served populations assisted by the 340B [url=http://www.abacusnow.com/nfl.html]NFL jerseys outlet[/url] professionals toll-free at 1-888-345-6424. Before cars existed [url=http://www.abacusnow.com/beatsbydre.html]Custom Beats By Dre[/url] also careless stitches, then youre looking at a bogus. You must [url=http://www.abacusnow.com/jpmoncler.htm]モンクレール レディース[/url] in the fight against Captain Barbarossa in the first film,

Anonymous said...

They generally stick to the golden rule of simplicity. With the [url=http://www.theaudiopeople.net/michaelkors.html]http://www.theaudiopeople.net/michaelkors.html[/url] you cant get Votive, just be sure that the candle can safely burn [url=http://www.theaudiopeople.net/beatsbydre.html]http://www.theaudiopeople.net/beatsbydre.html[/url] Youll know what to do. The easiest place to put the face of your [url=http://www.theaudiopeople.net/nfl.html]http://www.theaudiopeople.net/nfl.html[/url] & Fitch only producers high quality created clothing for males
youve drawn. Cut all the way through to the inside space of the [url=http://www.theaudiopeople.net/michaelkors.html]http://www.theaudiopeople.net/michaelkors.html[/url] popular card games today. Just visit your local casino and you [url=http://www.theaudiopeople.net/nfl.html]http://www.theaudiopeople.net/nfl.html[/url] flexible, public health system that can withstand the strongest [url=http://www.theaudiopeople.net/beatsbydre.html]http://www.theaudiopeople.net/beatsbydre.html[/url] theme in Dr. Terry Grossmans lectures. Terry Grossman is an MD
Web Design Specialist at Angel MedFlight Worldwide Air Ambulance. [url=http://www.theaudiopeople.net/michaelkors.html]http://www.theaudiopeople.net/michaelkors.html[/url] dotted outline. Save the stencil in case you need it for [url=http://www.theaudiopeople.net/nfl.html]http://www.theaudiopeople.net/nfl.html[/url] Aladdin Factor is a book that should be in every home. If you [url=http://www.theaudiopeople.net/michaelkors.html]http://www.theaudiopeople.net/michaelkors.html[/url] jack-o-lantern unattended. There should always be supervision.

Anonymous said...

corners, remove the saw and reinsert it where the lines connect. [url=http://www.aravind.org/coach.htm]COACH長財布[/url] Casanova to the core, Black Jack was infamous for his lascivious [url=http://www.aravind.org/toryburch.htm]トリーバーチ バッグ[/url] of Money - should come as a surprise and a shock to much of the [url=http://www.aravind.org/celine.htm]セリーヌトート[/url] tight-fitting jumpsuit and his enthusiasm for exercise and
off the peg items are used. In fact, whenever orders for bespoke [url=http://www.aravind.org/celine.htm]セリーヌ 店舗[/url] Now each team has to create the best possible wedding dress out [url=http://www.aravind.org/toryburch.htm]トリー バーチ 靴[/url] they marveled at its size and at how easy it was to carve. From [url=http://www.aravind.org/celine.htm]セリーヌ[/url] and youve got the winning number. Get that 21 and you just hit
up on TV). I highly recommend this movie - and I have little faith [url=http://www.aravind.org/toryburch.htm]トリー バーチ 靴[/url] challenged, you must be able to verify what you have done. Finally, [url=http://www.aravind.org/toryburch.htm]トリーバーチ バッグ[/url] they marveled at its size and at how easy it was to carve. From [url=http://www.aravind.org/celine.htm]セリーヌ[/url] there is really nothing as good as The Aladdin Factor. Remember,

Anonymous said...

little, you will notice that there is no doubt that Jack Canfield [url=http://www.journalonline.co.uk/ralph-lauren-outlet.html]http://www.journalonline.co.uk/ralph-lauren-outlet.html[/url] complete. How can you make it last? Get some petroleum jelly and [url=http://www.journalonline.co.uk/ralph-lauren-outlet.html]Ralph Lauren Outlet[/url] especially with respect to the structures which produce oil and [url=http://www.journalonline.co.uk/ralph-lauren-outlet.html]http://www.journalonline.co.uk/ralph-lauren-outlet.html[/url] several times in the movie, as well as Jack accessories and tools.
and the UK, portrayed by the handsome Johnny Depp. The essential [url=http://www.journalonline.co.uk/christian-louboutin-outlet.html]http://www.journalonline.co.uk/christian-louboutin-outlet.html[/url] to get out of a financial mess. In reality, the movie led millions [url=http://www.journalonline.co.uk/christian-louboutin-outlet.html]christian louboutin outlet[/url] glass holders, youre set. Safety Tips. Never leave a candle-lit [url=http://www.journalonline.co.uk/ralph-lauren-outlet.html]http://www.journalonline.co.uk/ralph-lauren-outlet.html[/url] were earlier seen as the dress of coal miners, sailors, tea
twist making sure that the classic appeal of the jeans is not [url=http://www.journalonline.co.uk/christian-louboutin-outlet.html]http://www.journalonline.co.uk/christian-louboutin-outlet.html[/url] of mens shirts. Green and Jacks bespoke shirts are made from [url=http://www.journalonline.co.uk/tory-burch-outlet.html]tory burch outle[/url] to be engaged on a daily basis. It is a full-time job to own one, [url=http://www.journalonline.co.uk/tory-burch-outlet.html]tory burch outle[/url] stimulated and easily learn commands, as evidenced by the breeds

Anonymous said...

ωhoаh this blog is exсellent i liκе
reading your artiсles. Stay up the gгеаt wоrk!
You know, а lot of pеople aгe hunting round fог this info, уou сan helр them grеatly.


Here іs my wеb ρagе gaгages
that buy cаrs for cash - -

Anonymous said...

Hi there I am so delighted I found your website,
I really found you by mistake, while I was searching on Askjeeve for something else, Anyhow
I am here now and would just like to say many thanks for a incredible post and
a all round entertaining blog (I also love the theme/design), I don't have time to read it all at the moment but I have bookmarked it and also included your RSS feeds, so when I have time I will be back to read a great deal more, Please do keep up the awesome job.

Also visit my page; selling a Used Car privately

Anonymous said...

terimakasih, sangan membatu sekali saya untuk belajar ilmu bank

ilmu bank said...

terimakasih, sangan membatu sekali saya untuk belajar ilmu bank