DR] Kapal Selam KRI Ardadedali-404 Segera Diluncurkan

Definition of Business Loans Businesses require an adequate amount of capital to fund startup expenses or pay for expansions. As such, companies take out business loans to gain the financial assistance they need. A business loan is debt that the company is obligated to repay according to the loan’s terms and conditions. According to the U.S. Small Business Administration, before approaching a lender for a loan, it is imperative for the business owners to understand how loans work and what the lender will want to see from the owner. Function A business loan is borrowed capital that companies apply toward expenses that they are unable to pay for themselves. Some business owners use business loans to pay for salaries and wages until their new company gets off the ground, while other companies put borrowed funds toward office supplies, inventory or business projects. Lenders want to know how the business intends to use the borrowed monies, so business owners must make sure to have a clear outline for how the money will be spent. According to an October 2010 article by David Bangs in Entrepreneur.com, it is important to impress the lenders by being professional, or they may decline the loan application. Types Businesses have a variety of loan options to choose from. Traditional bank loans are the most popular source of funding, however securing a loan from a bank is no easy task. According to a March 2010 article in Entrepreneur.com by Karin Price Mueller, banks are tightening their lending policies due to the economic downfall, making it more challenging for businesses to receive financial assistance from commercial loans. Aside from commercial loan options, businesses can apply for home equity lines of credit if one or more of the company owners are homeowners. Features Loans are not given out for free. Lenders charge interest on loans as the price paid for borrowing the money. It is important to know whether the interest is fixed or variable. A fixed interest rate means that the interest rate remains the same for the duration of the loan and its payback period. A variable interest rate indicates that the interest rate can fluctuate based on a variety of determinants. Other features of a loan to pay attention to are the payback period (months or years) and what the lender will use as collateral if the business is unable to pay the loan back timely. Significance Business loans allow companies to have a chance at success. As such, loans are in high demand, but not every company that applies for a loan will receive one. When applying for a business loan, lenders evaluate the company’s history, the amount of debt the company has and whether the business seems risky. Risky businesses, such as startup companies, are often not the winning recipients of traditional loans. Considerations Businesses that take out loans with high interest rates should make plans to pay the loan back as quickly as possible, so the interest owed does not accrue into an exorbitant amount. High-interest loans are best used for short-term financing needs.

Menko Polhukam Wiranto menerima kunjungan atase pertahanan Korea Selatan untuk Indonesia. Wiranto diundang ke Negeri Gingseng untuk melihat peluncuran kapal selam pesanan Pemerintah Indonesia.

"Ngasih undangan kepada saya untuk kunjungan kapal selam," kata Wiranto di kantornya, Jalan Medan Merdeka Barat, Gambir, Jakarta Pusat, Selasa (13/3/2018).

Wiranto mengatakan kedatangannya ke Korea Selatan nanti untuk melihat langsung peluncuran kapal selam ke-2 pesanan Indonesia. Untuk kapal selam ke-3 kini sedang dikerjakan di PT. PAL yang merupakan hasil pengembangan Transfer of Technology (ToT) melalui DSME (Daewoo Shipbuilding & Marine Engineering.

Sebelumnya Indonesia telah menerima Kapal selam KRI Nagapasa-403 pada akhir Agustus 2017 lalu.

"Kan peluncuruan bukan melihat. Kebetulan kita juga akan kunjungan ke kementerian pertahanan," ucapnya.

Setelah peluncuran kapal selam tersebut di Korea Selatan, maka segera akan dikirimkan ke Indonesia. Namun, Wiranto enggan membeberkan waktu pasti kapal selam tersebut akan tiba di Indonesia.

"Itu urusan Angkatan Laut," ucapnya singkat.

Perlu diketahui, Indonesia bekerja sama dengan Korea Selatan dalam proses pembuatan 3 kapal selam. Dua kapal selam dibuat di pabrik DSME, Korea Selatan. Sedangkan satu kapal terakhir dibuat di Indonesia (PT PAL) sehingga diharapkan terjadi transfer teknologi.

Posted : HR/TSM/https://news.detik.com/

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