Jika ingin kaya kuasai ilmu bisnis tapi jika tidak ingin miskin kuasai lah ilmu Hutang

3. Business and Money
Money is not an ingredient of a
business, it’s a FUEL
Easy credit makes people stupid
Don’t lead your business with
your money, but yr time & skill

4. Financing Source
Maturity
IPO,
Acquisition
bank
Inception
Founders
investors

5. Types of Debt
Common concept IIBF concept
• Consumer Debt • Good Debt
• Investment Debt • Bad Debt

6. IIBF Definition
Debt that You will probably REQUIRED!
Debt that You have to LEAVE!

7. Investment Debt
The only GOOD DEBT is actual
Investment Debt, that pay for itself!
Actual Investment Debt, that no longer can pay for
itself is a BAD Debt

8. Tips for Investing Debt
• Never finance long-term assets with
shorts-term debt
• Consider to CONSOLIDATE
• Take personal guarantee seriously
• Understand sharia concept

9. Consumer Debt

14. Attendance Testimonials …