Nuzulul Quran Nuzulul Quran adalah peristiwa turun
nya wahyu al Quran utk pertama kali. Sbgmn disebutkan dlm al Quran : bulan
romadhon adalah bulan diturunkan al Quran di dalam nya. Ketika pertama kali
turun, belum turun kewajiban seorang muslim menunaikan puasa.
Bahkan kewajiban2 muslim lain nya. Hanya syahadat
lah sebagai syariat pertama kali yg ada. Waktu itu ayat yang pertama kali turun
malah tentang ilmu pengetahuan. Yang berbunyi:
1) Bacalah dengan menyebut nama Tuhanmu
2) Yang telah menciptakan manusia dari segumpal
darah
3) Baca lah,
demi Tuhan mu yang Maha Mulia
4) Yang telah mengajarkan manusia dengan kalam
5) Yang mengajarkan kepada manusia apa-apa yang
tidak diketahuinya.
Ayat ini banyak ditafsirkan sebagai ayat-ayat
tentang pengetahuan. Karena membaca dan berbicara (Kalam) adalah sarana orang
untuk mengetahui. Dengan kalam, baik dalam bentuk komunikasi lisan maupun
tulisan, seseorang dapat mengetahui apa-apa yang sebelumnya tidak diketahuinya.
Turun nya wahyu pertama kali sangat penting sekali.
Dengan turun nya wahtu Allah kepada Muhammad SAW,, maka sejak itu pula ia
diangkat jadi nabi dan rasul. Peristiwa ini terjadi 13 tahun sebelum petistiwa
hijrahnya nabi ke madinah. Dan 5 tahun sesudah peristiwa pengangkatan hajar
aswad ke ka'bah setelah mekkah dilanda banjir yg menyebabkan bangunan ka'bah
rusak, dan hajar aswad lepas dari bangunan ka'bah.
Sejak saat itu, ia dijuluki dengan gekar "al
amin",, yang artinya orang yang amanah. Karena selain bisa memutuskan
secara adil, ia juga sering dititipkan barang oleh orang2 mekkah dan menjalankannya
dengan amanah. Sifat amanah inilah yg jadi ciri sifat para rasul terutama nabi
muhammad. Sehingga tidak heran,, ketika nabi muhammad menyampaikan perihal ia
didatangi malaikat yang membacakan ayat al 'Alaq 1-5 sebagai ayat2 yang pertama
kali turun, maka banyak orang yang lantas percaya.
Pertama kali yang mempercayai peristiwa ini adalah
siti khadijah. Karena,, ia lah pihak pertama yang jadi tenpat "curhat
nabi",, kemudian keluarga-keluarga dekatnya, seperti Ali bin abi thalib
kemudian baru para sahabatnya, seperti abu bakar ash shidiq. Orang*orang yg
percaya peristiwa turun nya wahyu dan kenabian nabi muhammad disebut sebagai
golongan assabiqunal awwaluun.
Ada 50 nama sahabat yang jadi bagian dari
Assabiqunal Awwalun. Selain Siti Khadijah dan Ali Ibn Abi Thalib, ada nama Zaid
Ibn Haritsah, Utsman Ibn Affan, Zubair, Sa’ad Ibn Abi Waqash, Abdurrahman Ibn
Auf, Abdullah Ibn Mas’ud, dan seterusnya.
Mereka adalah orang2 yg selalu menyertai nabi dari
turun nya wahyu pertama kali hingga wahyu terakhir yang turun kepada baginda.
Wahyu-wahyu tersebut turun dengan cara yang berbeda-beda. Ada kalanya malaikat
jibril langsung memasukkan ke dalam hati nabi sebagai penerima wahyu,, ada
kalanya malaikat datang disertai suara seperti lonceng bergemerincing.
Sedangkan wahyu yang turun pertamakali kepada nabi muhammad ini berupa
penampakan malaikat jibril yang berbentuk lelaki tinggi besar yang mendekap
erat-erat beliau. Wahyu yang pertana kali turun hanya lima ayat, kemudian turun
secara terus menerus hingga sampai tahun kesebelas kerasulan, yaitu ketika haji
wada', yaitu al maidah ayat 3 yang berbunyi "hari ini telah ku sempurnakan
bagimu agama mu, dan telah aku selesaikan bagimu nikmat ku dan aku ridho bagi
mu islam sebagai agama mu. Terkait wahyu pertana turun ini tiap pakar tafsir
berbeda. Ada yg berpendapat bahwa ada yang tanggal ke 17 dan sebagian lain nya
berpendapat pada tanggal 24 Romadhon.
Peringatan Turunnya wahyu al Qur'an di Indonesia ini pada umumnya diperingati pada tanggal 17 Romadhon, mengambil salah satu pendapat di atas. Meski turunnya wahyu al Qur'an pertama kali adalah salah satu peristiwa sangat penting, tetapi di sini bukan merupakan salah satu hari libur. Karena dalam Islam, sebenarnya hanya cukup dua hari raya, yaitu Hari Raya Idul Fitri dan Hari Raya Idul Adha. Di Indonesia, peringatan Nuzulul Qur'an diperingati dengan berbagai cara. Dari acara pengajian akbar, peringatan resmi yang dilakukan oleh para pejabat, sampai khotaman al Qur'an dalam skala yang lebih kecil.
Choky fears the world is passing him by. He has a successful business in Medan, Indonesia making and selling handbags, which he produces with the help of eight full-time workers and sells from his small storefront. Though he feels very lucky to have grown so much since starting the business two years ago, his sales constantly fluctuate, making it hard to make any long-term business plans.
And he worries that his small business will soon be eclipsed by others he sees online.
The rapid growth of the internet is creating tremendous opportunities, especially in the developing world where it has become increasingly accessible via mobile devices. But while many small business owners like Choky are able to see what’s happening online, they don’t have the means to use the technology to their benefit. Few businesses that provide website design and maintenance operate at a price that entrepreneurs like Choky can afford.
That’s why we have teamed up with eBay Foundation and ThoughtWorks to create Custom-Clouds, a for-profit social enterprise that will help small growing businesses gain access to web-based business services, and in so doing, increase small business revenue and job growth across the developing world.
Helping small business owners access the cloud
Custom-Clouds, announced this week at the Clinton Global Initiative Annual Meeting, will offer Choky and thousands more in Indonesia many basic web services (including mobile website design, training and a dedicated client center) for a base rate of about $10/month — affordable even for small business owners in the developing world. An on-the-ground sales and client support force can gather relevant business information and have a completed website online within hours.
Best of all, the monthly subscriptions will give small business clients constant support and free updates to make sure their websites can easily adapt to an ever-changing market.
It’s taken for granted in many parts of the world that a website is necessary for any small business. Websites makes it possible to reach more customers, advertise online and grow faster. But the impact can be even greater in countries where local markets are limited. The internet is the one way to connect with an increasingly global economy.
A recent report by consulting firm McKinsey, “The Impact of the Internet on Aspiring Countries,” found that an internet presence can accelerate growth for small businesses that creates 3.2 jobs for every one eliminated by improved efficiency methods.
Using business for good
With our investment and funding from our partners, Mercy Corps will support and oversee the start-up phase of Custom-Clouds. But by operating Custom-Clouds as “double-bottom line” business (with dual goals on profitability and social change), we are making sure it will sustain itself long after our financial support is needed.
Custom-Clouds is the most recent in Mercy Corps’ portfolio of work developing social enterprises. We partner with creative thinkers from the private and public sectors to identify breakthrough ideas, test them in the field and then scale them in multiple locations. Functioning like a business creates lasting solutions to some of the toughest challenges we face today.
In Indonesia, for example, Mercy Corps created Bank Andara, a microfinance bank that is using the world’s first mobile-enabled microfinance payment system to reach millions with low-cost loans and savings options. And in Guatemala, Mercy Corps partnered with major pharmaceutical providers to create a microfranchise network of small pharmacies in rural communities, boosting both economic growth and health in remote areas.
With Custom-Clouds’ launch in Indonesia, we aim to reach over 10,000 small business owners and break even within the first two years. Ultimately, the goal is to scale globally in the next five years, reaching 11 additional countries and creating one million jobs in some of the world’s toughest places.
Choky fears the world is passing him by. He has a successful business in Medan, Indonesia making and selling handbags, which he produces with the help of eight full-time workers and sells from his small storefront. Though he feels very lucky to have grown so much since starting the business two years ago, his sales constantly fluctuate, making it hard to make any long-term business plans.
And he worries that his small business will soon be eclipsed by others he sees online.
The rapid growth of the internet is creating tremendous opportunities, especially in the developing world where it has become increasingly accessible via mobile devices. But while many small business owners like Choky are able to see what’s happening online, they don’t have the means to use the technology to their benefit. Few businesses that provide website design and maintenance operate at a price that entrepreneurs like Choky can afford.
That’s why we have teamed up with eBay Foundation and ThoughtWorks to create Custom-Clouds, a for-profit social enterprise that will help small growing businesses gain access to web-based business services, and in so doing, increase small business revenue and job growth across the developing world.
Helping small business owners access the cloud
Custom-Clouds, announced this week at the Clinton Global Initiative Annual Meeting, will offer Choky and thousands more in Indonesia many basic web services (including mobile website design, training and a dedicated client center) for a base rate of about $10/month — affordable even for small business owners in the developing world. An on-the-ground sales and client support force can gather relevant business information and have a completed website online within hours.
Best of all, the monthly subscriptions will give small business clients constant support and free updates to make sure their websites can easily adapt to an ever-changing market.
It’s taken for granted in many parts of the world that a website is necessary for any small business. Websites makes it possible to reach more customers, advertise online and grow faster. But the impact can be even greater in countries where local markets are limited. The internet is the one way to connect with an increasingly global economy.
A recent report by consulting firm McKinsey, “The Impact of the Internet on Aspiring Countries,” found that an internet presence can accelerate growth for small businesses that creates 3.2 jobs for every one eliminated by improved efficiency methods.
Using business for good
With our investment and funding from our partners, Mercy Corps will support and oversee the start-up phase of Custom-Clouds. But by operating Custom-Clouds as “double-bottom line” business (with dual goals on profitability and social change), we are making sure it will sustain itself long after our financial support is needed.
Custom-Clouds is the most recent in Mercy Corps’ portfolio of work developing social enterprises. We partner with creative thinkers from the private and public sectors to identify breakthrough ideas, test them in the field and then scale them in multiple locations. Functioning like a business creates lasting solutions to some of the toughest challenges we face today.
In Indonesia, for example, Mercy Corps created Bank Andara, a microfinance bank that is using the world’s first mobile-enabled microfinance payment system to reach millions with low-cost loans and savings options. And in Guatemala, Mercy Corps partnered with major pharmaceutical providers to create a microfranchise network of small pharmacies in rural communities, boosting both economic growth and health in remote areas.
With Custom-Clouds’ launch in Indonesia, we aim to reach over 10,000 small business owners and break even within the first two years. Ultimately, the goal is to scale globally in the next five years, reaching 11 additional countries and creating one million jobs in some of the world’s toughest places.
On Batang Kuis Road in Indonesia's North Sumatra, as cars and
motorcycles whiz by, restaurant owner Siti is busy making one of her
popular fried dishes that attract weary motorists and nearby residents
alike.
“The restaurant was not like this before,” she says. “I began this
place only as a small shack in which I sold cold ice tea to students.”
Realizing the opportunity, Siti sought ways to offer more food
products and add space so that customers could sit and eat. One neighbor
introduced the mother-of-two to the microfinance program run by
government-owned Bank Sumut. She took out a small loan to buy cooking
equipment that allowed her to expand her operation to include selling
food.
Siti, who like many people in Indonesia uses only one name, is part
of the microfinance program administered by Bank Sumut. The program
started off as a livelihood restoration component of ADB’s Earthquake
and Tsunami Emergency Support Project, initiated in response to the 2004
disaster.
Microfinance for women
Modeled after Grameen Bank’s pioneering microfinance program, Bank
Sumut provides small loans to groups of fifteen to twenty women, most of
them homemakers who operate small businesses. The loan is repaid
through small weekly payments and larger loans after offered after each
previous loan is repaid. The bank charges minimal interest from the loan
but the large base of borrowers makes it profitable.
“Back in 2005, microfinance was a new endeavor to all of us,” recalls
Abdul Hamid, a Bank Sumut executive who manages the microfinance
business. “For the banks, we were used to waiting at the banks’ counters
and waiting for potential borrowers to come. At the same time from the
demand side, housewives were still not confident about borrowing money
from banks.”
Wiwik is one of them. Back in 1994, the young lady from Batang Kuis
village learned how to sew and two years later she bought her first
sewing machine and started a home-based tailoring business. For the next
15 years, she worked by herself with one machine, sewing for neighbors
who needed new dresses for special occasions.
“I just never had saved enough money to buy new machines and
equipment,” she says. “I knew there were banks that provided loans, but I
was scared. I had never been to a bank in my life. What if I could not
repay the loan?”
It turned out that Wiwik, who uses one name, did not have to go to
the bank to get her first loan. Together with the other housewives from
her neighborhood she was invited to gather in a community area where a
loan officer from Bank Sumut gave a presentation on the microfinance
program.
“After hearing the clear explanation from that officer I became
convinced that the program would not be a burden for me,” she says. “The
weekly payment was very small. I was confident I could make it.”
Today, Wiwik has five sewing machines and other equipment. She
employs some of her neighbors. “Thanks to the program, my tailor
business is now growing, and it benefits not only me and my family, but
also my neighbors.”
Wiwik also offers fabric for sale at her shop. “People can come,
choose whatever fabric and styles they want, get measured, and go home.
In two to three weeks, they return and the dress is ready."
Currently in the process of applying her fifth microfinance loan,
Wiwik says that what makes her comfortable with the program is the fact
that borrowing is done in groups. That way, each borrower has a sense of
communal responsibility towards the group. “There are moments where
business is slow, of course,” she said. “But the good thing about being
in the group is that we can share and support each other.”
Finance that changes lives
After ADB’s Earthquake and Tsunami Emergency Support Project ended,
the microfinance component took on a life of its own, with Bank Sumut
taking the lead in expanding it. ADB continues to provide technical
assistance to help local banks in the region develop microfinance
products and assist people in financial literacy.
Mr. Hamid says that the microfinance program benefits not only people
like Wiwik and Siti. It is also a morale booster for the bank. “The
ground staff like me feel that we are not selling products. We are
helping our people improve their lives.”
For Siti, she has gotten busier since she took her first loan years
ago. She has expanded the premises to make customers more comfortable.
She also offers more varieties of meals, including her popular crispy
chicken and fried catfish.
“I heard from my customers that some of them drive from another city just to taste my fried catfish,” she says with a laugh.
On Batang Kuis Road in Indonesia's North Sumatra, as cars and
motorcycles whiz by, restaurant owner Siti is busy making one of her
popular fried dishes that attract weary motorists and nearby residents
alike.
“The restaurant was not like this before,” she says. “I began this
place only as a small shack in which I sold cold ice tea to students.”
Realizing the opportunity, Siti sought ways to offer more food
products and add space so that customers could sit and eat. One neighbor
introduced the mother-of-two to the microfinance program run by
government-owned Bank Sumut. She took out a small loan to buy cooking
equipment that allowed her to expand her operation to include selling
food.
Siti, who like many people in Indonesia uses only one name, is part
of the microfinance program administered by Bank Sumut. The program
started off as a livelihood restoration component of ADB’s Earthquake
and Tsunami Emergency Support Project, initiated in response to the 2004
disaster.
Microfinance for women
Modeled after Grameen Bank’s pioneering microfinance program, Bank
Sumut provides small loans to groups of fifteen to twenty women, most of
them homemakers who operate small businesses. The loan is repaid
through small weekly payments and larger loans after offered after each
previous loan is repaid. The bank charges minimal interest from the loan
but the large base of borrowers makes it profitable.
“Back in 2005, microfinance was a new endeavor to all of us,” recalls
Abdul Hamid, a Bank Sumut executive who manages the microfinance
business. “For the banks, we were used to waiting at the banks’ counters
and waiting for potential borrowers to come. At the same time from the
demand side, housewives were still not confident about borrowing money
from banks.”
Wiwik is one of them. Back in 1994, the young lady from Batang Kuis
village learned how to sew and two years later she bought her first
sewing machine and started a home-based tailoring business. For the next
15 years, she worked by herself with one machine, sewing for neighbors
who needed new dresses for special occasions.
“I just never had saved enough money to buy new machines and
equipment,” she says. “I knew there were banks that provided loans, but I
was scared. I had never been to a bank in my life. What if I could not
repay the loan?”
It turned out that Wiwik, who uses one name, did not have to go to
the bank to get her first loan. Together with the other housewives from
her neighborhood she was invited to gather in a community area where a
loan officer from Bank Sumut gave a presentation on the microfinance
program.
“After hearing the clear explanation from that officer I became
convinced that the program would not be a burden for me,” she says. “The
weekly payment was very small. I was confident I could make it.”
Today, Wiwik has five sewing machines and other equipment. She
employs some of her neighbors. “Thanks to the program, my tailor
business is now growing, and it benefits not only me and my family, but
also my neighbors.”
Wiwik also offers fabric for sale at her shop. “People can come,
choose whatever fabric and styles they want, get measured, and go home.
In two to three weeks, they return and the dress is ready."
Currently in the process of applying her fifth microfinance loan,
Wiwik says that what makes her comfortable with the program is the fact
that borrowing is done in groups. That way, each borrower has a sense of
communal responsibility towards the group. “There are moments where
business is slow, of course,” she said. “But the good thing about being
in the group is that we can share and support each other.”
Finance that changes lives
After ADB’s Earthquake and Tsunami Emergency Support Project ended,
the microfinance component took on a life of its own, with Bank Sumut
taking the lead in expanding it. ADB continues to provide technical
assistance to help local banks in the region develop microfinance
products and assist people in financial literacy.
Mr. Hamid says that the microfinance program benefits not only people
like Wiwik and Siti. It is also a morale booster for the bank. “The
ground staff like me feel that we are not selling products. We are
helping our people improve their lives.”
For Siti, she has gotten busier since she took her first loan years
ago. She has expanded the premises to make customers more comfortable.
She also offers more varieties of meals, including her popular crispy
chicken and fried catfish.
“I heard from my customers that some of them drive from another city just to taste my fried catfish,” she says with a laugh.
Indonesia's microfinance sector performed healthily throughout 2015 with almost all financial institutions recording significant credit growth. The volume of microcredit disbursed by the country’s largest state-owned bank, Bank Mandiri, for example, rose to 42.48 trillion IDR as of the end of December 2015, up 22.9% over December 2014.Indonesia's microfinance sector performed healthily throughout 2015 with almost all financial institutions recording significant credit growth. The volume of microcredit disbursed by the country’s largest state-owned bank, Bank Mandiri, for example, rose to 42.48 trillion IDR as of the end of December 2015, up 22.9% over December 2014.
The Financial Services Authority (OJK) also noted that Indonesian banks in general have complied with the OJK rules that mandate them to allocate 10% of their loan portfolio to small and medium enterprises (SMEs) in 2016 which will be increased to 20% in 2018. The Indonesian government’s support for SMEs continues to improve too as evidenced by an increase in the allocation of the People's Business Credit (KUR) or small business loans from 30 trillion IDR in 2015 to 120 trillion IDR in 2016. In addition, OJK’s decision to allow multifinance companies to disburse KUR will enhance the people's access to small business loans. Such a strategy is in line with President Joko Widodo’s efforts to bolster the SME segment through simplifying processes in relation to starting a company and obtaining licenses (See Indonesia’s 12th Economic Policy Package is Unveiled to the Benefit of SMEs).
Decent growth
The year 2015 was an exciting period for the Indonesian microfinance industry. Almost all banks, both state-owned and private, posted a significant growth in microcredit disbursement. According to Bank Indonesia (BI), SME loans grew 10.1% in 2015 to 739.8 trillion IDR as of December 2015 compared to 671.7 trillion IDR as of December 2014. On a monthly basis, SME loans recorded an increase of about 1% per month.The SME loans consisted of 164.9 trillion IDR for micro enterprises, 215.9 trillion IDR for small enterprises and 359.0 trillion IDR for medium enterprises. About 537.2 trillion IDR of the loans are for working capital and 202.6 trillion IDR are for investment.
Indonesia’s largest state-owned bank, Bank Mandiri, for example, managed to disburse microcredit to the value of 42.4 trillion IDR in 2015, up 22.9% year on year from December 2014. This equates to 56% of the bank’s total SME lending which reached 75.78 trillion IDR and 1,112,385 borrowers.
Bank Rakyat Indonesia (BRI), which focuses on microcredit and allocates 35% of its total credit portfolio to the SME sector, also enjoyed a similar growth in 2015 of 17% over the previous year. The bank managed to post high profits thanks to its huge volumes of microcredit that offers net interest margin (NIM) of at least 8%.
According to data from the Indonesian central bank, the growth of microcredit continued into the first quarter of 2016. As of February 2016, SME loans accounted for 18% or equivalent to 728.97 trillion IDR of a total credit portfolio of 3,998.09 trillion IDR. State-owned banks remained the dominant force in SME financing by disbursing 82.61 trillion IDR in total. This is followed by the regional development banks (BPD) with total microcredit loans equating to 48 trillion IDR, private banks with 282.41 trillion IDR, and foreign banks as well as others accounting for 15.93 trillion IDR.
BRI was also a major contributor to the microcredit growth. In the first quarter of 2016, the bank’s microcredit grew 22.2% from 91.8 trillion IDR in 2015 to 111.2 trillion IDR and contributed 31% of its total loans of 361.2 trillion IDR. Other banks, including private banks, are also aiming to increase their microcredit portfolio in 2016. Bank Tabungan Pensiunan Nasional (BTPN), for example, has set a target to increase its SME loans by 50% in 2016. In 2015, the bank disbursed microcredit and SME loans amounting to 8.73 trillion IDR and 6.86 trillion IDR, respectively.
A similar strategy was undertaken by Bank Negara Indonesia (BNI). In 2015, the state-owned bank disbursed a significant amount of loans to the SME sector with a total value of 42.2 trillion IDR. These loans were either disbursed directly to the SMEs or through cooperation with other financial institutions. The bank’s linkage programme in 2015 has successfully disbursed loans of 3.2 trillion IDR whereby rural banks (BPR) accounted for the major share of 50%.
The OJK recorded that banks in general have complied with its rules that mandate them to allocate 10% of their loan portfolio to small and medium enterprises in 2016 which will be increased to 20% in 2018.
Small business loans in Indonesia have bright prospects due to the sheer size of the SME market. According to data from the Ministry of Cooperatives and Small and Medium Enterprises, the number of SMEs in the country reached 55.2 million consisting of 54,559,969 microenterprises, 602,195 small enterprises and 44,280 medium enterprises. In Indonesia, SMEs account for 99.99% of the total number of existing businesses and absorb 97.24% of the labour force as well as contributing 57.48% of the country’s GDP.
Shariah-based microfinance
Although the Islamic finance industry recorded growth of 6.1% in 2015, it still lags behind its conventional counterparts (See Indonesia's Islamic Banking Industry: Bright Prospects Ahead Despite Constraints). Its contribution to microcredit growth is even smaller because the share of SME financing among Islamic financial institutions is only between 5-10% despite its natural inclination towards this type of cooperative style lending. The majority or 90% of Islamic microfinancing has been channeled to motor vehicle loans as opposed to the SME segment.To spur the growth of SME lending among Islamic banks, the OJK has offered incentives to relax the core capital requirements for Islamic banking if their SME financing accounts for 20% of the total loans. However, a constraint to shariah compliant microfinance growth is the relatively high level of non-performed financing (NPF) among Islamic banks which reached 4.73% whereby the SME sector accounted for 43%. This has made Islamic financial institutions more cautious in providing financing to small businesses that are considered to be at higher risk.
Indonesia’s largest Islamic bank, Bank Syariah Mandiri (BSM), for example, disbursed loans of 70.37 trillion IDR in 2015, an increase of 5.1% from 66.94 trillion IDR in 2014. Its microfinancing, however, only accounts for 3.5 trillion IDR or only 5% of its total loan portfolio.
Source : gbgindonesia
Are you searching for small business opportunities in Indonesia? Are you considering starting a business in Indonesia but you simply lack ideas on what business to start? If YES, then I advice you read on as this article will help solve this problem There is one major thing that scares people off from starting their own business-Capital. But should capital really be a constraint? Do you know that you can start your own business even if you are broke? Come with me, let me show you five ways to start your own business even when you don’t have a dime to your name.
Starting a Business in Indonesia: 5 Financing Options
- Equity Financing-: Look, not everyone has the talent, time or energy to run a business. These set of people though have the funds, don’t know how to use it. You can look for such people and convince them to invest in your business. Show them your business plan and convince them on the reasons why they should invest in your business. If you are able to convince them of the financial viability of the business and also able to prove to them that you have a personality that they can trust, it would be no time before you get people to drop the funds you need. The only problem is that you would have to concede some control of your business to the investors especially when in the decision making aspect.
- Seller-Financing-: With seller financing, you would find someone who wants to sell a business that you are interested in and get the owner to agree to a long-term payment plan. The seller would benefit from having a continuous stream of income while you would benefit from funding your business with the profits of your newly acquired business. The downside of this however, is that the cost of buying the business may be higher than what it would have cost if you were paying cash.
- Leasing-: If you are planning to start a equipment based business or a business like haulage, taxi services and the likes, you could consider leasing of vehicles or any other equipment you need so that you can spread your payment over an extended period.
- Family Business-: Another idea is to teem up with members of your family to start a business together. A lot of people like the idea of a family business and would rather invest in one than invest in other people’s businesses.
- Crowdfunding-: Crowdfunding is getting more popular and gaining edge in the business financing industry-you can tap into this innovation too and gather a pool of investors who wouldn’t mind individually investing small amounts in your business.
The term empowerment originates from American community psychology and is associated[by whom?] with the social scientist Julian Rappaport (1981).
In social work, empowerment forms a practical approach of resource-oriented intervention. In the field of citizenship education and democratic education, empowerment is seen[by whom?] as a tool to increase the responsibility of the citizen. Empowerment is a key concept in the discourse on promoting civic engagement. Empowerment as a concept, which is characterized by a move away from a deficit-oriented towards a more strength-oriented perception, can increasingly be found in management concepts, as well as in the areas of continuing education and self-help.The term empowerment refers to measures designed[by whom?] to increase the degree of autonomy and self-determination in people and in communities in order to enable them to represent their interests in a responsible and self-determined way, acting on their own authority. Empowerment as action refers both to the process of self-empowerment and to professional support of people, which enables them to overcome their sense of powerlessness and lack of influence, and to recognize and eventually to use their resources and chances.
The term empowerment originates from American community psychology and is associated[by whom?] with the social scientist Julian Rappaport (1981).
In social work, empowerment forms a practical approach of resource-oriented intervention. In the field of citizenship education and democratic education, empowerment is seen[by whom?] as a tool to increase the responsibility of the citizen. Empowerment is a key concept in the discourse on promoting civic engagement. Empowerment as a concept, which is characterized by a move away from a deficit-oriented towards a more strength-oriented perception, can increasingly be found in management concepts, as well as in the areas of continuing education and self-help.
(Source : Wikipedia)
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