NAMA: BINTANG FAZZARA

NIM: 041565036
JURUSAN: MANAJEMEN BISNIS
TUGAS BAHASA INGGRIS NIAGA 117

Please choose one of the topics below. Then, write an essay consisting of 3
paragraph. Elaborate your own opinion with the references related to the
topic that you choose.

1. You have a property business. Sometimes you need to loan a big amount of
money to run your business. What kind of bank that is suitable with your business.
Please explain your reason!

JAWABAN:
For business properties that require large loan capital, the most suitable type of bank is a
commercial bank or investment bank.

Commercial bank is a type of bank that focuses on providing credit and operates for profit by offering
various types of financial products, including credit business.

Some examples of well-known commercial banks in Indonesia include:

1. Bank Mandiri

2. Bank BRI

3. BankBCA

4. Bank CIMB Niaga

5. Bank Danamon

6. Gem Bank

7. Panin Bank

8. Mega Banks
9. Bank OCBC NISP

10. HSBC Bank

Meanwhile, investment bank is a type of bank that focuses on investment activities and
facilitates securities trading, mergers and acquisitions, as well as providing credit for large investment
projects.

Here are some examples of world-renowned investment banks:

1. Goldman Sachs

2. Morgan Stanley

3. JPMorgan Chase

4. Citigroup

5. Bank of America Merrill Lynch

6. Deutsche Bank

7.Barclays

8. Credit Suisse

9. UBS

10. Nomura Holdings

Both commercial banks and investment banks can provide financial solutions that suit the needs
of the property business.

The reason why commercial banks or investment banks are suitable for the property business is because
they have the capacity to provide large capital loans and have experience in handling large investment
projects.

In addition, commercial banks and investment banks have a tendency to offer lower interest rates and
more scalable terms compared to other financial institutions.

Thus, the property business can obtain capital at a more affordable cost.

In addition, commercial banks or investment banks can also provide additional services such as
consulting and assistance in managing the financial risks faced by the property business.

This is very important for the property business which faces quite high risks, such as the risk of
fluctuations in property prices, the risk of project failure and market risk.

Apart from commercial banks and investment banks, the property business can also consider other
financing sources such as finance companies and private investors.

However, before choosing a source of financing, the property business must consider the capital
requirements that are appropriate to the stage of the business and the risks faced by the property
business. In choosing the type of bank for the property business, it is necessary to do research in
advance to compare the terms and services offered by the existing banks. In addition, be sure to check
the reputation and credibility of the bank concerned before deciding to cooperate.