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    Bahasa Inggris X

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    Bahasa Inggris X

    Uploaded by

    Bintang Media
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    BAHASA INGGRIS X

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    Name : SUHELDTI MAHARANI

    NIM : 047894891

    Select one of the topics below and write an original essay consisting of three well-structured
    paragraphs. Your essay should reflect your understanding and perspective on the topic. Support
    your arguments with relevant examples and references, but make sure your response is in your
    own words and not a direct copy from any sources.

    1. Banking and Business Loans:


    Imagine you are an entrepreneur looking to expand your retail business. You need to
    secure a significant loan to finance this new venture. Considering various types of banks
    and their offerings, which one would you choose, and why? In your response, consider
    factors such as interest rates, customer service, and the range of financial products
    available. Reflect on how these factors align with your business needs and long-term
    goals.

    Answer
    As an entrepreneur seeking to expand a retail business, the choice of a bank for securing a loan is
    crucial. In this scenario, I would opt for a commercial bank due to its diverse range of financial
    products and services tailored for businesses. Commercial banks typically offer competitive
    interest rates for business loans, making them an attractive option for long-term financing needs.
    Additionally, their emphasis on customer service and personalized financial solutions aligns with
    the support required for a growing retail business. By choosing a commercial bank, I can access
    services such as business lines of credit, equipment financing, and commercial real estate loans,
    which are essential for the expansion of my retail venture.

    Community banks often prioritize building strong relationships with local businesses. This
    personalized approach can translate into more flexible loan terms, competitive interest rates, and
    dedicated customer service. Unlike larger institutions, community banks may be more willing to
    consider the unique circumstances of my business, such as its growth potential and long-term
    viability. Additionally, community banks may have a deeper understanding of local economic
    trends, which can be invaluable for making informed business decisions.

    Furthermore, I would prioritize a bank that offers a suite of financial products tailored to small
    businesses. This could include merchant services, cash management solutions, and investment
    advice. By consolidating my banking needs with one institution, I can streamline my operations
    and potentially save on fees. Ultimately, the ideal bank would be one that aligns with my
    business goals, provides exceptional customer service, and offers competitive financial products.

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