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Author: Andi Rahmat
• Saturday, October 29th, 2011

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Konsultan Keuangan Mitra Bank (KKMB) is part of the institution or organization that provides business development services in order to improve the performance of Micro Business, Small and Medium (MSMEs). Institute a legal and not a financial institution and can obtain services from the service fee. Konsultan Keuangan Mitra Bank (KKMB) adalah lembaga atau bagian dari lembaga yang memberikan layanan pengembangan usaha dalam rangka meningkatkan kinerja Usaha Mikro, Kecil dan Menengah (UMKM). Lembaga tersebut berbadan hukum dan bukan lembaga keuangan serta dapat memperoleh fee dari jasa layanannya.
Services are provided advisory services in management / financial analysis that partnership going with the bank or the occurrence of funds banks have to MSMEs. In this regard, including assistance at the time of preparing credit proposals, and connecting to the bank to monitor credit disbursement since when acquaintance to the appropriate credit period of agreement. Jasa yang diberikan adalah jasa konsultansi dalam hal manajemen/analisis keuangan agar terjadi kemitraan dengan bank atau terjadinya penyaluran dana bank kepada UMKM tersebut. Dalam hal ini termasuk pendampingan pada saat menyusun proposal kredit, menghubungkan ke bank dan melakukan monitoring sejak saat pencairan kredit sampai pada pelunasan kredit sesuai jangka waktu yang diperjanjikan.
Function and responsibility is to KKMB guidance and development of MSMEs. Guidance is intended here is one in which the process includes the three elements, namely, maintaining and development. Fungsi dan tanggung jawab KKMB adalah melakukan pembinaan dan pengembangan terhadap UMKM. Pembinaan disini dimaksudkan adalah merupakan satu kesatuan proses yang di dalamnya mencakup tiga unsur yaitu menumbuhkan, memelihara dan megembangkan.
The process of implementation of guidance by KKMB conducted in a participatory way that all things associated with the development (materials, methods, etc.) should always focus on the needs of MSMEs, hence the working relationship between the MSMEs and KKMB not as superior and subordinate relationship between the builders or with a built. Relationship that is tied in parallel and KKMB here as a motivator for MSMEs Proses pelaksanaan pembinaan oleh KKMB dilakukan secara partisipatif, bahwa segala sesuatu yang berhubungan dengan pembinaan (materi, metode dll) harus selalu bertumpu pada kebutuhan UMKM, oleh karenanya hubungan kerja antara KKMB dengan UMKM bukanlah sebagai atasan dan bawahan atau hubungan antara pembina dengan yang dibina. Hubungan yang terjalin adalah sejajar dan KKMB disini berperan sebagai motivator bagi UMKM
Forms of development activities and the development here is the conduct of MSMEs by providing technical assistance in form of training as needed, referral and consultation. To perform these activities in a KKMB implementation on the ground in several steps as follows: Bentuk kegiatan pembinaan dan pengembangan disini adalah melakukan pendampingan terhadap UMKM dengan memberikan bantuan teknis berupa pelatihan sesuai kebutuhan, arahan dan konsultasi. Untuk melakukan kegiatan tersebut seorang KKMB dalam pelaksanaannya di lapangan berpedoman pada beberapa langkah sebagai berikut :
  • Conducting the identification of a borrower MSMEs in the regions / centers / business population;
  • The groups have the potential borrowers in the micro-efficiency; Prepare credit proposals (micro) or Feasibility business (small and medium enterprises);
  • Connecting customers with banking MSMEs;
  • Monitoring and assistance after the receipt of credit.
  • Melakukan identifikasi pada calon nasabah UMKM di wilayah/sentra/populasi usaha;
  • Menentukan kelompok bila memperoleh calon nasabah mikro dalam rangka efisiensi;
  • Menyusun proposal kredit (usaha mikro) atau Kelayakan usaha ( usaha kecil dan menengah);
  • Menghubungkan nasabah UMKM tersebut dengan perbankan;
  • Melakukan monitoring dan pendampingan pasca penerimaan kredit.

Cash Flow is a simple application that keeps track of all kinds of payments. The application holds lists of income and expenses along with their due dates and other information.
It is meant mainly to allow a fast and easy short term prediction on the development of your cash situation based on the known income and expenses. As well it can help to remember recurring payments especially when they incur not so often like yearly, every half year or quarterly.

Cash Situation Prediction
It is meant mainly to allow a fast and easy short term prediction
on the development of your cash situation based on the known income
and expenses. As well it can help to remember recurring payments especially
when they incur not so often like yearly, every half year or quarterly.
Recurring Payments
Especially recurring payments can be handled very easy. Just the repeat type
is entered along with the starting date and an optional end date. Cash Flow
then builds the list accordingly regardless of the time span viewed.
Set Of Books
Through a virtual income and expenditure account to manage your project
data between each account is completely independent.
Custom Category
Income and expenses can be grouped and filtered for categorization.
the project can be defined in different groups.

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Cymruco Inventory Manager may look like a small package but thats because it doesnt waste space on rarely used features that nobody uses anyway.

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