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    Tugas 1 Bahasa Inggris Niaga

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    rina.suryani71

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    Tugas 1 Bahasa Inggris Niaga

    Uploaded by

    rina.suryani71
    2 views2 pages

    Original Title

    TUGAS 1 BAHASA INGGRIS NIAGA

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    © © All Rights Reserved

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    Copyright:

    © All Rights Reserved
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    2 views2 pages

    Tugas 1 Bahasa Inggris Niaga

    Uploaded by

    rina.suryani71

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    You are on page 1of 2

    Nama : Rina Suryani

    Prodi : S1 Manajemen
    NIM : 048450402
    Tugas 1 Bahasa Inggris Niaga

    ANSWER
    I choose Banking and Business Loans
    As an entrepreneur looking to expand my retail business, securing a loan is crucial to achieving
    the necessary growth. When selecting a bank for this purpose, I would prioritize factors like
    interest rates, customer service, and the range of financial products offered. The ideal bank for me
    would be one that not only offers competitive interest rates but also provides flexible loan terms
    and personalized support, which can significantly impact both the immediate success of my
    expansion and the long-term health of my business.

    First, interest rates are a key consideration. A lower interest rate can substantially reduce the
    financial burden of repayment over the long term, allowing me to allocate more resources toward
    business development, inventory, and marketing. Banks with a strong reputation for offering
    attractive rates, particularly for small and medium-sized businesses, would be ideal. Additionally,
    a bank that offers variable-rate loans could provide flexibility, especially if my business
    experiences fluctuating revenues as it expands. Fixed-rate loans would be more advantageous if I
    seek predictability in my repayment schedule and want to mitigate the risk of rising interest rates
    in the future.

    Second, customer service plays an essential role in maintaining a positive relationship with the
    bank and ensuring smooth operations. Having access to a dedicated relationship manager who
    understands the intricacies of my business and can provide expert advice would make a significant
    difference. Furthermore, a bank with an efficient online platform and quick response times for loan
    approvals, inquiries, and issue resolution would enhance the overall experience. Good customer
    service is not only about responsiveness but also about providing valuable insights and support for
    future financial planning.
    Lastly, the range of financial products offered by the bank should align with the evolving needs of
    my business. Beyond the initial loan, I would benefit from access to additional products such as
    business credit cards, lines of credit, or even cash management solutions. These offerings would
    provide ongoing financial flexibility as my business scales, ensuring I have the tools necessary to
    manage day-to-day operations while investing in new opportunities. A bank that can grow with my
    business by providing a broad spectrum of products would be an ideal long-term partner for both
    the short-term loan and future financial needs.

    In conclusion, when selecting a bank for a business loan, it’s vital to weigh factors such as interest
    rates, customer service, and the range of financial products. A bank that offers competitive rates,
    personalized service, and a suite of financial tools would support both the immediate expansion of
    my retail business and its sustainable growth in the future. By considering these factors, I would
    ensure my business has the financial support needed to thrive and succeed in a competitive
    marketplace.

    Source : ABDI4201

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