Children go to school, college, medical needs, need capital to do business, and a long list of other issues it feels urgent. Various financial institutions are promising a variety of easy to get fresh funds. But not mistake in selecting institutions that match your conditions.

Some institutions sometimes offer convenience at the beginning of the transaction. However, the tail is sometimes difficult. Whether the interest continues to strangle or greater interest receivables from loans. Obviously this is not a profitable option.

Institutions that provide various services, namely Pawnshop. There are various options that can be selected to receive funding according to need.

Here’s a list of products Pawnshop;

1. Installment credit Fiduciary Systems (Creative)
Creative or fiduciary system installment loan is a loan to a small micro-entrepreneurs (within the framework of business development) with the guarantee scheme in fiduciary and loan repayment made through installments per month within 12-36 months janga credit.

2. Ar Rahn Credit for Micro Enterprises (Arrum)
To meet market demand sharia-based business credit, has launched Credit for micro-entrepreneurs Ar Rahn (Arrum) a credit scheme similar to Creative.

Obtaining credit by way of surrender Books Motor Vehicle Ownership (BPKP) as collateral with the loan interest rate 0.9 percent per month, flat.

Credit creation is the modification of old products formerly known under the name Loan Pawnshop Business Feasibility.

3. Sharia Pledge (Rahn)
Rahn is a pledge of service products that are based on sharia principles with reference to a modern administrative system.

Large loans with conventional mortgage / KCA, but differ in the process of capital leases. Islamic Pawn To determine administrative costs paid in advance, ie when the new contract / contract extension Rp1.000 as low and as high as Rp60 thousand for a maximum loan amount to Rp200 million.

Ijaroh tariffs charged Rp85 per ten days of mass deviations for each multiple of Rp10 thousand of estimated goods deposited collateral / pledged.

4. Installment Loan Pawn System (Krasida)
Krasida is granting loans to entrepreneurs mikrokecil
(In the context of business development) on the basis of lien. Dilkaukan loan repayment through installments per month with a credit period 12 to 36 months, and giving discounts for capital leases may be granted if the customer make payment credit simultaneously. Interest is set at 0.9 percent per month, flat.

5. Business Credit Households (Krista)
Since June 2006 has been launched Krista for the women entrepreneurs who are members of business groups. The minimum loan amount maximum of Rp1 million to Rp100 thousand, with a term of 12 months. Imposed a one percent interest, the flat.

6. Non Governmental Housing Loan (Kremada)
Credit was launched in December 2006, given to low income people to build or rehab / home repair.

For the new buildings are given a maximum loan of Rp10 million, while the rehab / perbaikian home loans granted amounted to Rp 5 million. These loans customers nine percent administrative fee paid in advance, and zero percent capital leases. Funding of this product in cooperation with the Ministry of Housing.

7. Pledged Securities (Investa)
Pledged securities representing loans to people with collateral in the form of shares with a pledge system.

8. Noble
Is the sale of gold by the Pawnshop to the community in cash or in installments over a specified time janga. Honor is a product of sharia, which was launched in 2008. In the first year of launch, this product is quite a good response from customers.

One of the first points to consider has to do with the type of interest rate associated with any easy personal loan option that catches your attention. Keep in mind that, depending on the status of your credit rating, you may be able to consider both secured and unsecured personal loans that have fixed as well as variable rates of interest. If you anticipate that the average rate is likely to increase significantly before you pay off the loan, you may prefer to go with a fixed rate in order to keep your interest at a minimum. However, if there are indications that the average rate will decrease for at least part of the time you have the loan, you may want to consider an unsecured or secured loan that has a variable rate, allowing you to take advantage of low interest when and as possible.

Once you settle on what type of rate to go with, it is time to look at the amount of your starting rate of interest. Because so many lending institutions offer some type of easy personal loan option, you will find lenders offering different rates in an attempt to gain customers in the competitive market. Even a small difference in the personal loan rate can add up to significant savings over the course of your loan.

Don’t forget to note how the interest is calculated and applied to your loan balance. There is a big difference between what you will pay on a loan where the interest is compounded quarterly versus one that is compounded annually. Depending on what part of the world you live in, you may find several variations on how the interest is calculated and applied. You may find that a loan with a higher interest rate is actually the better deal, if the process for compounding the interest is more favorable.

However, before you jump at what seems to be a great deal for an easy personal loan, always read the fine print first. There may be fees and charges that apply to that loan with the low rate that are not present on loans carrying a slightly higher rate of interest. Those fees mean you pay more in the long run, effectively making that low-interest loan a much less attractive option.

As you compare personal loan options, always keep in mind that you want to deal with an institution that is financially stable and has a good reputation among consumers. Make it a point to read consumer reviews and reports before you make a commitment to any institution. Remember that you not only want a great rate and reasonable terms, but also solid customer care. This could save you a lot of trouble later on, and help you choose the ideal easy personal loan package for your needs.

Classis saving
When we were a child, we are very familiar with the term, piggy bank, or in bahasa Indonesia we called it “celengan” and we grow old, that word seems ridiculous. Indeed, that little magic stuff still has its magic power for adult like us. Remain one thousand rupiah per day and put it in piggy bank until there is no space left. Although the amount is little, but little by little, it can be a lot of money in the future. Consistency needs to be applied here.

Coins wallet
You need to have separate place to save coins, maybe a little wallet. This little wallet can be brought anywhere, and when you need coins, for instance in parking lot, you don’t have to take from your “true” wallet.

Separate post for unpredictable event
Prepare your own outcome post for unpredictable post. This post commonly ignore, though we know that in a month, something out of prediction could happen. This post, then, will assist much and you do not need to withdraw money from your savings. It will save your savings and make your daily life in ease.

Those simple acts are as the companion of your saving account in bank. The financial ease is now yours.

Good estimation
No wonder if our salary just go away, we have no right and precise income and outcome estimation. Before we get our salary, make an estimation about our next month income (maybe we also have other side jobs, then predict the number of income you will get), and the outcome (list the things you will buy and you will do in details, for example: budgeting saloon routine, daily needs and many others. Good and precise estimation will make your life easier.

“wanting” and “needing”
How if today we want to buy new gadget, then tomorrow we want to buy new clothes. It is normal for wanting things, however, as thinking creature, we must think first before we buy stuffs. Please differentiate, “wanting” and “needing”. Make scale of priority, and then find out which one is you need the most, then buy it. Which one is you “mere” wanting it, you can postpone to buy it.

Money friendly life style
Spending weekend after being busy for five days is not wrong. Yet, it will be more “fun” for your financial if you are smarter in tricking the way to spend weekends. Just forget going to cinema, go shopping, or culinary walk, you can, from now on, rent DVDs and watch it at home with mates or family to make closer relationship or cooking together which will also train your cooking skill. Tempting right?

Saving habit
Our tradition is saving after spending some to buy stuffs. It is indeed wrong way to make your money remain much until the end of the month. You, then, should separate a number of money you will save (please decide the regular amount for monthly saving), and the rest of the money will be used for the needs in a month. So, however penniless you are, you still have savings, and your salary won’t merely evaporate in a sudden

Easily measured
Defining measurable objectives can help you monitor whether you are on track to achieve goals. If your goal is to raise funds for the down payment for a new house next year, then determine how much money from your income should be set aside per month. Each month you can measure had reached where your financial position.

Will be achieved
Make goals you can accomplish and think long term, but still find the small goals that can help you achieve greater results. Suppose you want to have a USD 15 million in a year, then the small goals you need to accomplish each month is to save a minimum $ 1,250 n the next 12 months.

Realistic
Creating financial goals must be realistic, because if not, you could face a very big failure. For example, you aspire to reach the target 60% rate of return on investment within a year.

Goal Real
The real goal is the achievement of something that really exists, and can be measured. You will be motivated to set higher goals if you ever reach that goal ever before you decide.

Furthermore, said Sonitha, Involve family members in setting financial goals, because they too will support the achievement of these goals. Write down these goals and review from time to time, this will be very helpful in achieving your financial goals.

1. Do you monitor each month how much you spend?
2. Do you pay your credit card in full?
3. Did you already set aside some funds for retirement?

If you answered “No” to question 3 above, it’s time you unpacked about personal finances and prepare for the year 2010 with a new resolution.

Vice President of Corporate Affairs Head of Citibank, said Sonitha Poernomo initial steps to manage finances better is to evaluate your current financial position, namely the re-asset records (whatever you have) and how much debt you have. Good way to manage finances is used to create a budget where you can monitor the income and expenditure.

Did you know that, according to Financial Intelligence Survey (Financial Quotient) from Citi Indonesia, only about 29% of people who follow a monthly budget that they create, while 82% had at this stage of trying to create and follow a budget.

For the start of financial management and tidy up after you know the current financial position, then it is good you set goals and how to achieve your financial goals.
Sonitha express purpose and Financial Plan which the SMART ie Specific, Measurable, Attainable, Realistic and Tangible.