Talk about marketing, it is easy to interpret it as a marketing effort to develop the concept of products or services to customers and communicate to the customer in order to encourage the realization of the sale or transaction. Make sure your product or service capable of providing “value” for customers, which means the products or services you can provide the benefits to be felt appropriate or even more than the price paid by the customer.

Of course, the benefits that you create must match the needs or expectations of your customers, so learn and understand the needs and expectations of customers is the first step that you absolutely must do in starting a business. For example, if there are customers who want a waterproof shoe, how do you design it? Or, if there are customers who want to listen to music pop in the cab, how can you meet them? Do not forget, your product or service should be communicated to customers, so they know the benefits and prices you offer. Communication to customers can be done through promotion through various media or efforts to the approach taken by the sales force (sales) you.

Besides appealing to prospective customers want to transact with you, what else do you need to consider? For those of you who sell goods, make sure you plan and manage the operations or activities that ensure production of quality products to fit the expected standard, so that when used or consumed by the customer does not disappoint. In addition to ensuring good product quality, process operation must also be efficient, that can be done with low cost and control. Some things that can drive efficiencies in between to avoid wastage of raw materials, avoiding negligence of production, and reduce the number of damaged or defective products.

For those of you who offer services to your customers, make sure the human resources and service processes of the physical elements related to ensuring your customers get their needs with experience and a positive impression, for example easy, fast, comfortable, friendly and safe. Service is not just smile and be friendly to customers, but broader than that.

Serving customers you actually need by producing and selling goods. For example, car manufacturers must ensure that prospective customers coming to the showroom served by friendly and informative, or restaurant that sells a very tasty menu has to serve its customers well in order to be able to order, waiting, eating, and paying with an easy and convenient . So, prima serve customers is a must in any shape your business.

When we serve customers, make sure they get the product or the benefits they need, make sure they can deal with the process or an easy and convenient, and make sure they get the hospitality and assistance while interacting with you or your employees. If you can make sure all three of the above, customers will certainly get satisfaction and encouraged to be loyal or faithful to your customers.

In addition to effectively market and excellent customer service, you also have to manage your business finances well. Make sure you always have a record or evidence related to the money in and out. Also make sure you have the discipline and a good way to control the flow of money carefully, lest there is a leak holes.

Do not forget, separate business finances with personal finances or family. Avoid the use of business money for personal gain, except an amount of money that did you take as your salary.

You can not do your own business without the help of others. Make sure you are supported by people who have integrity and honesty, which stresses the importance of customer attitudes and teamwork, as well as having good knowledge and skills. Wake up mutual trust and communication between you and all the employees, and encourage the emergence of ideas for improving your business. Appreciate the people who help you financially and psychologically. Just to thank you and pat on the shoulder of employees that you provide can be very mean to build a positive attitude of your employees. Aim and encourage your people to continue to grow in line with the growth of your business.

Debt is a common thing in the world of finance either an individual or a business much less effort. For some businesses, the debt is considered as a spur to become more advanced. Imagine, with the debts of the business should be able to spur efforts to have high productivity in order to cope with the load as a result of making use of the debt. Not to mention when speaking of profits, debt can be used as a tax deduction, which means quite profitable for their businesses.

How to use it?
When asked whether the debt is good, the answer must be a cliche, it depends. Yes, the safe answer is usually used to save us from mistakes or avoid answering. In fact, the debt to be good or not, rather than depending on the answer. But rather to how we manage and intention to use the debt. If we intend to make the consumer debt, I am sure will form the bad debt. But if we intend to use debt as a means to more productive, that’s different. Debt can be good.

So if your business and want to owe, first set your initial intention. To increase the productivity of your business or just for the mere consumer intentions. If the intention of earning, should take the debt. But if for the consumer, your intention.

How do we determine or define the productive or consumer debt?

Subsequently, the results directly.
If you want to find out if your debt is productive or not, compare the results obtained from the use of debt. Because the burden of debt is usually defined by the interest we have received, then the debt to the productive, the use of debt funds should be higher than the load you have to accept. As an example. If you owe the business and the borrower bears interest at 15% per year, then the result of the use of debt funds should be higher than 15%. So grab your debt does increase your business productivity.

Scale benefits
How useful is the debt for our efforts? Productivity of debt which we take also be judged by how large the benefits of the use of loan funds. While it may not directly provide measurable results in the percentage or amount, but the use of debt may provide indirect benefits on productivity improvement efforts. Some companies borrow funds to purchase a vehicle shuttle employees. Whether this will improve the results directly to the company’s revenue? Probably not.

But with the shuttle means to make employees more comfortable, safe and timely manner. What is expected from this loan? May not only increase business results, but further reduction in operating costs that are not needed. Fall-fall is the productivity of the well.

Using business debt is not a mistake let alone sin. But the correct use of the proper purpose and direction is a must.