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Axis Capital Group Business Funding

Axis Capital Group Business Funding Jakarta Review on S&P turns down call on Indonesia’s grade
Standard and Poor’s (S&P’s), one of three biggest credit-rating agencies in the world along with Moody’s Investor Services and Fitch Ratings, surprised everyone when asked about the progress and upgrade of credit rating of Indonesia.

S&P’s was questioned and representatives from the company insisted that it remains upbeat about reform progress in Indonesia, even after the local stocks and bonds market fell after the agency’s upward revision of its outlook for the country’s sovereign debt paper rating.

It was an unexpected move as many analysts have been positive about the growth of investors in the country, especially in the development in the archipelago’s capital, Jakarta.

Axis Capital Business Funding, one of the business lending companies in America which expanded their services to Indonesia, has expressed a great disappointment in S&P’s decision. Reviews show great displeasure by companies and individuals alike. Some even made threats of suing and complaints are expected to elevate if the agency will not revise their decisions.

S&P upgraded the outlook of Indonesian sovereign debt papers from “stable” to “positive” on May 22, but the announcement failed to reverse the sell-off of rupiah bonds, whose yields have risen by 15 basis points over the last two weeks to touch 8.13 percent as of May 29.

Despite this, S&P expressed that they are still comfortable with the Indonesian economy. The agency’s analyst, Kyran Curry stated, “What is important for us under the new government is that Jokowi has shown that he could move decisively. We believe the government will continue to deliver”

The “positive” rating outlook indicates that S&P is likely to perform a rating upgrade within six to 12 months. A “stable” outlook signals little possibility for near-term rating changes while “negative” signals suggest likelihood for a rating downgrade.

S&P currently rates the long-term sovereign credit rating in Indonesia as BB+, or one notch below investment grade status.

The outlook revision came as Indonesia’s economic data releases fell short of most economists’ high expectations, with growth already falling to a six-year low of 4.7 percent in the first quarter, while inflation accelerated to 6.8 percent in April, versus the government’s target of 5 percent for the full year.

S&P cited “improved policy credibility” behind the outlook upgrade, but such a rationalization confounded analysts as Indonesia’s fiscal authority is currently grappling with an enlarging budget deficit due to the unrealistic tax targets, at the same time its monetary authority has recently backtracked from its earlier tight policy.

Axis Capital Group Business Funding Jakarta Review, What is A Credit Score?
More than three quarters of Americans live in credit. Your credit score can mean the difference between being denied or approved for credit, and a low or high interest rate. But many nationalities and migrants are not that aware of it. Here is how Axis Capital Business Funding, a credit source offering small companies loans for their business in over 10 states in America explains what credit score really is.

What It Is

Your credit score is a three- digit number generated by a mathematical algorithm using information in your credit report. It's designed to predict risk, specifically, the likelihood that you will become seriously delinquent on your credit obligations in the 24 months after scoring.


There are a multitude of credit-scoring models in existence, but there's one that dominates the market: the FICO credit score. According to myFICO.com, the consumer website for the FICO score developer, "90 percent of all financial institutions in the U.S. use FICO scores in their decision-making process."

FICO scores range from 300 to 850, where a higher number indicates lower risk. There are also other existing online systems but mostly, if you encounter a site which asks you to pay, it may be a scam.

Cities like Singapore and Jakarta, Indonesia is now currently developing a new system similar to FICO to trace local credit scores and information. However, patronage remains to be a big problem as these cities are rarely using their credits.


Payment history: (35 percent) -- Your account payment information, including any delinquencies and public records.

Amounts owed: (30 percent) -- How much you owe on your accounts. The amount of available credit you're using on revolving accounts is heavily weighted.

Length of credit history: (15 percent) -- How long ago you opened accounts and time since account activity.

Types of credit used: (10 percent) -- The mix of accounts you have, such as revolving and installment.

New credit: (10 percent) -- Your pursuit of new credit, including credit inquiries and number of recently opened accounts.

Personal or demographic information such as age, race, address, marital status, income and employment don't affect the score.

Different score impact for same missteps

How much does a specific change affect a credit score? The answer is usually "it depends," and for good reason. Credit score developers don't reveal the exact point deductions. The weight of any given activity can also vary for different credit histories. You might want to review all your spending and the way you handle your credit card to get a high credit scoring.

Axis Capital Group Business Funding Jakarta Review on How to Boost your Credit Score
          Credit score is not an immediate result. Big names in credit scoring like FICO take into account years of past behavior, not just your present actions. In addition, you also have to be consistent to push your score in the right direction.

           Here are some tips from Axis Capital Business Funding Group, a credit source helping small business owners for their loans in more than 10 states in United States in America, to help you improve your credit score:

1.      Review your Credit Balance

           One of the major factors in your credit score is how much revolving credit you have versus how much you're actually using. The smaller that percentage is, the better it is for your credit rating.

           The optimum: 30 percent or lower. So pay down your balances and keep your balances low. A good example who consistently has their credit percentage low are people from Jakarta, Indonesia since they are not used to using Credit cards for their daily lives.

2.     Eliminate 'nuisance balances'
           “A good way to improve your score is to eliminate nuisance balances," says John Ulzheimer, a nationally recognized credit expert formerly of FICO and Equifax. Those are the small balances you have on a number of credit cards.

           The reason this strategy can help your score: One of the items your score considers is just how many of your cards have balances, says Ulzheimer.

3.     Leave (good) old debt on your report

           Some people erroneously believe that old debt on their credit report is bad. The minute they get their home or car paid off, they're on the phone trying to get it removed from their credit report, he says.

           Good debt -- debt that you've handled well and paid as agreed -- is good for your credit. The longer your history of good debt is, the better it is for your score.

4.     Always pay bills on time

           If you're planning a big purchase (like a home or a car), you might be scrambling to assemble one big chunk of cash.

           While you're juggling bills, you don't want to start sending bills late and end up with a complaint and a trial. Even if you're sitting on a pile of savings, a drop in your score could scuttle that dream deal.

           One of the biggest ingredients in a good credit score is simply month after month of plain-vanilla, on-time payments.

           Saving money for a big purchase is smart. Just don't slight the regular bills -- or pay them late -- to do it.

Axis Capital Group Business Funding Jakarta Review: Credit Scoring in Different Countries
         Credit score isn’t like the existing sports scoring nowadays. As the 2016 Rio de Janeiro Olympics near, many of us will be rooting to our favorite sports and team members bearing each of our nations’ flags. But talking about credit score, which country do you think have the highest credit reporting system aside from America?

           According to Axis Capital Business Funding Group review, a credit source for small business owners operating in over ten states in America, many countries in public and private credit reporting agencies exist and were often initially created to help monitor risk in banking sector. Privacy laws often prevent those registries from sharing information with private credit reporting agencies.


           Germany's system is "quite comprehensive" though the information reported predominantly comes from banks. Their major reporting agency is SCHUFA. Thanks to recent regulatory changes, Germans can have late payments deleted from their credit files as long as the original amount was less than 2000 Euros and the bill was paid within six weeks. Germans can request free copies of their credit report once a year.

           Positive information is not reported on consumer credit reports in Australia. The government doesn’t allow it. But they are trying to at least report balances. Reviews say that lenders are only relying on applicants to truthfully report balances on other accounts.

South Africa

           South Africa has a robust credit reporting system, much like in the UK, with Experian, TransUnion and Compuscan as the main credit reporting agencies. But the rest of Africa generally has very poor or non-existent coverage, and changing that is a daunting challenge.

Malaysia, Singapore, Hong Kong, Jakarta, Indonesia

           Much to the surprise of many, Asia has leapfrogged the U.S. and the UK in terms of technology and more comprehensive database.  In those countries, they have combined consumer credit reporting and commercial credit reporting which is specifically valuable for SMEs (small and medium enterprises) trying to get access to credit.


           China has a public registry originally developed by the People's Bank of China. It has been very difficult for the private credit bureaus to establish themselves in a country where there is no legislation to protect themselves. Those who live in Japan, however, had better maintain a good reputation and relationship with their banker. Consumer credit is underutilized, and credit data is vertically siloed. Some credit is even made in a name’s basis.

Axis Capital Group Business Funding Jakarta Review on Take a Step Higher
In our years in dealing with small business owners and startups, we have heard success stories on how our partners have improved in their years of operation. Axis Capital Group Business Funding, a company which is based in Nebraska and now expands to Singapore and Jakarta, Indonesia has been a part of a growing industry which you are forced to push forward or fall behind. Whether you are a one-person operation or 100-employee company, you need improvement to maintain your stand in the ever competing world. Always remember that your business is either on an upward track or on its way down. Making improvements to make your business better is a conscious choice. Not only must you balance your time but choose the right area of business that will make the biggest impact.

1.      Keep Score
It's amazing how few small businesses have any idea of the daily, weekly, and monthly numbers and financial trends in the organization. Spend the necessary time keeping current on cash flow and if you lack the financial skills then hire an accountant. Reviewing your financial status make it easier for you to track your liabilities and enhance your objective.

2.     Set Goals
Like keeping score, setting goals and objectives is an essential part of business success.

3.     Use High Impact Marketing
It's easy to waste money on ineffective marketing. Learn how to use low budget high impact marketing to improve your small business.

4.     Master Business Presentations
A powerful business presentation can help improve your small business by leaps and bounds. Learning the essentials of a knockout business presentation can reap many rewards.

5.     Monitor Trends
You have to keep an open eye of what is around you to stay on track. The events and changes in the global landscape have an effect on your business. Stay current on trends and issues.

6.     Find Best Practices
Every industry has its own best practices or ways of doing things that are tried and true. Avoid wasting money and time reinventing the industry is generally a good approach unless you're set on building the next Goggle.

7.     Motivate Staff
Talented and motivated staff members can bring on big improvements in business. Learn what motivates your employees to higher levels of performance. If not, you would be faced with a lot of complaints and resignation letters.

8.    Know Your Limits
By knowing your entrepreneurial personality type, you can manage your resources and find help in areas of weakness.

9.     Take a Break
Running a small business is hard work. Sometimes the best way to improve your business and re-ignite your passion is to take a vacation.

Out Compete Big Dudes

I know what you are thinking. Since you are just a small company starting out on your own, you cannot expect to push the big and more experienced people in the industry. You have to take things slow and make your way to the top step by step. But do you know how to do it? Do you have plans on doing it? Axis Capital Group Business Funding, a company based in Nebraska and now has expanded to Singapore and Jakarta, Indonesia with an aim to offer entrepreneurs like you to fund your business has these tips for you to review and consider:

1. Personal Brand.

This is an easy one if done right but imagine the importance of this. People appreciate Coca-cola and Pepsi far above other sodas since these two already have established their brand in the market. Your brand should speak for what you are. Be bold and daring. This is mostly the characteristics a good branding should have that people patronize. And also remember that you shouldn’t copy someone else’s branding. People can see through it. You do not want people to see you as scam or fraud.

2. Passion.

Follow Your Dreams! We all know passion can ignite emotion and results. Small business leaders have the advantage that they probably started their business because of a passion or an enormous opportunity they saw in the market that is not being solved for. Regardless, the chances are high there is something about the opportunity and business model that is exciting them.

Tapping into passion is key to staying motivated. Where larger brands are filled with executives that may be burned out, most small businesses are filled with founders whose heads and hearts want to burst with excitement.

3. Innovation.

Because you have passion and because you can tap into agility, you have a perfect mix to better innovate. It doesn’t require an intense board meeting to kickoff an idea for further research. You can simply plan it and do it.

Innovate quick and smart. Don’t sit on your ideas for too long. Leverage your agility to truly innovate faster than your competition, even the big brands!

4. Service.

Small business can have an immediate leg up on competition with service. You can leverage your personal brand, personal relationships and human touch to make your customers feel special.

Be sure to set proper expectations. Don’t be pushed into quick time frames for deliverables that you know you can’t meet just to close a deal.

Business Trends 2015
We are halfway through the year 2015 but some business trends are still unseen. Let us take the time and review what business strategies have already been implemented and what things are still needed to change. This way, our team of marketers in Axis Capital Group, a company lending financial assistance to small business owners in Nebraska and has now expanded to Singapore and Jakarta, Indonesia have based our succession of campaigns.  You who are still starting with your own business can also create better strategies in the future.

1. Use Social Media Networks for Content Distribution

LinkedIn and other social networks has been fast developing and growing this decade. This year, LinkedIn is still expected to rise as one medium to distribute contents about your business.

As we all know, social media networks are good places for content distribution, but LinkedIn has several features that make the platform more versatile than Facebook, Twitter, and others for this purpose. If you still don’t have any LinkedIn account, you should start making one now to take full advantage of its features for your business.

2. Improve Social Media Integration

A study in Jakarta, Indonesia shows that one way people recognize brands is because of its frequency to be mentioned in social media. LinkedIn is not enough to boost your company, especially when you are still starting in the industry. As the virtual world is fast evolving, so should you. Adding social sharing options to websites, blogs and email messages can greatly increase than range and effectiveness of the campaign. Even when you don’t have any marketing team, you can make a social media account under the name of your company but make sure not to flood your accounts with irrelevant information or people may think of your as scam.

3. Preparing for New Technologies

Being in the business, you should review what’s new in your specific field. If there are new technologies you should invest into, you should think about it deeply. You would not want to make a bad impression to your potential customers if they happen to visit your office and find outdated equipment. Having advanced technology in your office will not only benefit your image but your productivity as well since your tasks will be easier and more convenient with new systems and data base integrated in advanced machineries and equipment.

By the end of 2015, a lot of people should be using wearable technology devices. Though it's hard to say how difficult it will be to market on wearable, this is something that marketers should keep an eye on.

Business Advice for Startups and Small Business Owners
When you enter a business, you enter a venture where learning never stops, new opportunities always rise and new competitions always enter the scene. Whatever the size of the business does not matter when it comes to new knowledge, yet somehow, being a startup and a small business owner has its own disadvantages obviously. Take us, for example. Axis Capital Group, a credit source offering small companies loan options located in Nebraska and now expands to Singapore and Jakarta, Indonesia has had tough times. Even when we are starting, we compete with large credit companies with big names in the industry. We set ourselves apart from others through traditional methods which up until now has been very helpful in how we do our ways.

1. Define yourself and your business’ culture

Authenticity is key – be yourself. You cannot keep your business when you act all fraudulent about things. This frame of mind is essential in helping define your business’ culture. This can also be one of the factors in leading and setting the tone for your employees.

2. Keep track of your Long Term Goal

At the outset of your new venture, you will likely spend all of your time with your nose to the grindstone, which can make it tough to see the big picture. While getting through daily operations matters, you should never lose sight of your long-term goal. When it comes to this, think big. Sure, you may have a sense of where you want to go in a two- or three-year plan, but think longer term.

3. A journal can be helpful

It may be very hectic to run a small business firsthand and adding another task to the unending to-do list is typically an added stress. Nevertheless, take time to write down things you have done during the day. It may help you build a concrete outline of your thoughts and priorities.

4. Take a Leap and a little Risk

Review what you have already achieved and what is left to achieve. In order for you to expand your business, you have to take a leap and look into the risk involved without putting those involved in jeopardy. Empower your employees to do the same. Let them make decisions and grow the business, and good results will follow. It will likely help foster your business’ culture and your reputation as a leader as well.

The Importance of Branding
Since you are still starting, you cannot expect so many people to patronize the products and services that you have and do immediately. Company branding is the most efficient way to show potential customers what your business is about. It is reflected visually via the logo and company design elements as well as through verbiage in marketing materials, slogans and informational copy. Even business companies like Axis Capital Group Business Funding which has already achieved unprecedented progress all over America and Jakarta, Indonesia take their branding seriously. What makes a brand different from the rest though?

1. Uniqueness

Set your company from others by showing it in your logo and branding.  To do this, analyze what you do best and consider you target demographic. Use graphics and word choices that clearly reflect your business to your target audience, hence your brand. Use your branding to deliver clear messages.

2. Target Audience

Done correctly, your brand can assist you in getting a stronger foothold in your niche market. Your branding should also consider the target market that you have. Define your unique selling position and consider methods to communicate key messages to your desired audience. Use specific images or phrases to encourage the feel of inclusivity. Let them know the reason your company exists and how it can fulfill their needs. This can connect you to your target audience, engage them and motivate them to buy.

Review your target audience’s background. If they are from Saudi Arabia or Jakarta, Indonesia which are Muslim cities, you might as well consider putting HALAL logos in your products if you are into foods and drugs.

3. Emotional Connections

Set apart your branding by creating an emotional connection to your audience. Consider brand identification almost as important as religious preference and ethnic background when defining themselves online. The power of branding has successfully melded into that of personal identification and emotional connection. Just avoid complaints by having logo and tagline that shows discrimination and racism. The public is very sensitive about that.

4. Message Delivery

Having strong branding can evoke trust from your niche market. This can translate to your newsletters, emails and advertisements garnering a greater response, hence increasing sales. As people will already be vested in your brand, they will be confident that they will receive value for time spent reading your messages or researching your product.

5. Consistency

Focus on your long-term branding efforts to keep your business consistent. This consistency should transcend messages, product lines and audience appeal. It should enhance your business, adding depth to your company’s presence. This should allow you to grow and keep a loyal following. Your taglines should be able to get passed the changing and evolving world.

Small Ways in Funding Your Small Business
A lot of small businesses nowadays are struggling to keep up with the fast pace of industrialization and modernization. In order to compete, you have to be more creative and think of out-of-box thinking. Small businesses have traditionally been the key driver for economic recovery when it comes to hiring, but hiring requires capital, and capital can be hard to come by. In order for you to find solutions for your unending financial needs, Axis Capital Group Business Funding, which has serviced the United States and now expands to Jakarta, Indonesia, has prepared ways for you to get started with your small business:

• Do it yourself.

Most entrepreneurs and small business owners these days have come to the realization that they will have to self-fund (also known as “boot-strapping”) their projects for a significant amount of time until more formal funding opportunities become realistic. Before starting a business, of course, business owners should already have this outlook that you have to spend for your own somehow. If you believe in your vision and have an absolute refusal to accept failure as an option, you should feel comfortable investing you own money into the business. In turn, this will make potential investors more comfortable knowing you have skin in the game.

• Friends, family, and fools.

Review who are closest to you. Those closest to you are more likely than anyone to believe not only in your vision, but your ability to make that vision a reality. One downside of course is that you are potentially risking personal relationships should the business fail and your agreement not be structured properly. Juts borrow enough money which you can’t afford to set up your website and such so as not to burn any bridges around you. You might be faced with tons of complaints even before you are starting.

• Small business loans.

Yes, this do exists and we happen to be in this business. We are in fact extending even in Asia including Jakarta, Indonesia, Singapore and Hong Kong. Since banks are stricter and harder to deal with, lenders like us came into being. Another reason to pursue debt financing is that you aren’t giving away a piece of your business.

Regardless of which path you take, chances are that you may do all of these at some point as your business grows.  At the end of the day, you have a business to run and none of these matters unless it has your full attention. So find a viable funding solution that also allows you to maintain operations and focus on profitability.