Maksimalkan Penghasilan Dalam Menjalankan Bisnis

Kini pilihan untuk berwirausaha atau berbisnis sendiri memang terasa semakin mudah dan menarik. Hal ini terlihat dari jumlah entrepreneur di Indonesia yang meningkat cukup pesat, di mana Badan Pusat Statistik mencatat peningkatan sebesar 17,6%, yaitu dari 22,7 juta menjadi 26,7 juta orang yang memilih profesi sebagai wirausahawan dalam satu dekade terakhir. Angka ini sesungguhnya tidak mengherankan, karena perlahan-lahan banyak orang mulai merasa lelah dan terbatas dengan hanya menjadi karyawan, sehingga keinginan untuk membuka bisnis sendiri pun semakin besar.

Perkembangan teknologi, terutama akses Internet yang luas, memang banyak menciptakan peluang untuk membuka bisnis, contohnya bisnis start-up e-commerce dan independent online shop yang marak di social media platforms. Kini dengan modal yang sekadarnya, semua orang memiliki kesempatan untuk menjadi entrepreneur dan mendapatkan penghasilan yang relatif lebih dari cukup. Namun, ada pertanyaan yang muncul: Bagaimana Anda dapat memaksimalkan penghasilan tersebut? Ide untuk membuka bisnis mungkin terkesan simple, tapi pada kenyataannya menjalankan bisnis tidak sesederhana yang terlihat.

Kecerdasan dan kejelian mengatur uang adalah kunci utama agar keuangan Anda sebagai entrepreneur tetap terjaga dengan baik. Tentunya langkah yang paling dasar dari pengaturan uang yang baik adalah dengan cermat dalam menabung. Sekarang yang harus diketahui adalah bagaimana cara memilih dan menentukan tabungan yang tepat. Berikut beberapa hal yang harus menjadi pertimbangan Anda dalam memilih tabungan:

  1. Biaya Administrasi Bulanan

Biaya administrasi akan dipungut tiap bulan oleh bank sebagai pendapatan tetap atas layanan bank. Mungkin sekilas biaya pungutan ini tidak terasa signifikan, namun apabila dicermati dan dihitung-hitung lebih jauh, sebenarnya biaya administrasi ini merugikan. Sebagian orang sering mengeluh, ketika beberapa bulan tidak menabung saldonya justru malah berkurang dan lama-lama habis karena terpotong biaya administrasi.

  1. Biaya Transfer Antar Bank

Prinsipnya seperti peribahasa “Sedikit demi sedikit, lama-lama jadi bukit”. Sama dengan biaya administrasi bulanan, pungutan biaya setiap melakukan transaksi transfer antar bank seperti RTGS/SKN/Kliring juga akan merugikan tabungan penghasilan Anda. Tidak peduli seberapa kecil, tentunya apabila dikumpulkan uang yang terpotong untuk biaya administrasi dapat digunakan untuk keperluan bisnis Anda yang lain.

  1. Kemudahan Akses Tarik Tunai di Luar Negeri

Terkadang urusan bisnis dapat membawa atau mengharuskan Anda untuk pergi ke luar negeri, atau bahkan bisa saja Anda harus mengurus kepentingan bisnis Anda saat sedang berlibur di luar negeri. Pilihlah tabungan yang menyediakan akses mudah untuk tarik tunai di luar negeri, dan lebih mantap lagi apabila akses tarik tunai ini juga bebas biaya. Dengan demikian, Anda sebagai entrepreneur juga pasti akan merasa lebih leluasa dan nyaman dalam mengurus bisnis di mana pun Anda berada.

  1. Bunga yang Ditawarkan

Selain transaksi yang mudah, Anda juga harus memperhatikan interest rate (bunga bank) yang ditawarkan. Memang pada dasarnya semakin besar Anda menabung, semakin tinggi pula keuntungan yang Anda terima. Cermatilah media informasi yang ada, kemudian pilihlah tabungan dengan suku bunga progresif dan tingkat bunga yang menarik.

  1. Keuntungan/Value Ekstra Lainnya

Sebagai nasabah dan juga entrepreneur, tentunya Anda menginginkan tabungan yang menyediakan banyak benefit untuk setiap langkah Anda. Cermatilah bank yang memberikan keistimewaan ekstra seperti akses ke executive airport lounge ataupun akses bebas antri. Bank yang memahami Anda tentunya mengerti bahwa waktu Anda sebagai seorang entrepreneur sangat berarti. Waktu yang Anda habiskan untuk mengantri, tentunya bisa diinvestasikan untuk melakukan prioritas yang lebih penting.

Untungnya sekarang hadir Tabungan FlexiMAX dari Bank Danamon yang memungkinkan Anda untuk menabung tanpa pungutan biaya sampingan ataupun repot mengantri di bank.

KEUNTUNGAN TABUNGAN FLEXIMAX

Dengan minimum saldo Rp50 juta, Tabungan FlexiMAX memberikan kemudahan dalam bertransaksi, antara lain:

  1. Bebas biaya transfer RTGS 10x/bulan, SKN 30x/bulan, dan Kliring tidak terbatas.
  2. Bebas biaya administrasi bulanan jika saldo rata-rata pada bulan berjalan minimal Rp50 juta.
  3. Bebas biaya tarik tunai ATM di luar negeri (Cirrus/Maestro).
  4. Bunga menarik. Nikmati bunga berjenjang yang lebih tinggi sesuai dengan saldo penempatan Anda.
  5. Bebas antri di cabang khusus bagi nasabah yang menggunakan Kartu Debit/ATM Danamon Ultimate atau Privilege.
  6. Bebas akses ke executive airport lounge menggunakan Kartu Debit/ATM Danamon Ultimate atau Privilege.
  7. Fitur transaksi terkini.

Segera hubungi cabang Danamon terdekat dan maksimalkan uang penghasilan Anda menjadi peluang yang lebih besar dengan menabung tepat di Tabungan FlexiMAX.

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