Nama : Marida Lestari

NIM : 044859202

Mata kuliah : Bahasa Inggris Niaga

Topic 1: Choosing a Bank for a Property Business Loan

When it comes to choosing a bank for a property business loan, several factors need to be
considered. One important aspect is the bank's experience and expertise in the real estate industry.
Look for a bank that has a track record of providing loans to property businesses and understands
the unique challenges and opportunities in this sector. This expertise can be valuable in assessing the
viability of your business plan and offering tailored financial solutions.

Another crucial factor is the bank's loan terms and interest rates. Compare the offerings of different
banks to find the most favorable terms for your business. Consider factors such as the loan duration,
repayment schedule, and any additional fees or charges. A bank that offers flexible repayment
options and competitive interest rates can significantly impact your business's financial health.

Additionally, it is essential to evaluate the bank's customer service and support. A property business
may require ongoing financial assistance and advice, so choose a bank that provides personalized
attention and understands your specific needs. Look for a bank that offers dedicated relationship
managers or advisors who can guide you through the loan process and provide ongoing support as
your business grows.

In conclusion, when selecting a bank for a property business loan, consider factors such as industry
expertise, loan terms, interest rates, and customer service. By choosing a bank that specializes in the
real estate sector, offers favorable loan terms, and provides excellent customer support, you can
ensure that your business has the financial resources and guidance it needs to thrive.

Topic 2: Impact of High Prices on Demand

When suppliers charge too much for a product, it can have a significant impact on demand. As prices
increase, consumers may become less willing or able to purchase the product, leading to a decrease
in demand. This decrease in demand can be attributed to several factors.

Firstly, higher prices reduce the affordability of the product. Consumers have limited budgets and
must make choices about how to allocate their income. When prices rise, consumers may opt to
spend their money on alternative products or reduce their overall consumption. This shift in
purchasing behavior can result in a decrease in demand for the product.

Secondly, high prices can lead to a perception of poor value for money. Consumers evaluate products
based on their perceived benefits and costs. If the price of a product exceeds the perceived value or
utility it provides, consumers may choose not to purchase it. This can further contribute to a decline
in demand.

Lastly, high prices can stimulate the entry of competitors into the market. When suppliers charge
excessive prices, it creates an opportunity for new entrants to offer similar products at lower prices.
This increased competition can lead to a decrease in demand for the original product as consumers
switch to more affordable alternatives.
In summary, when suppliers charge too much for a product, it can result in a decrease in demand.
Higher prices reduce affordability, create a perception of poor value for money, and stimulate
competition from lower-priced alternatives. Understanding the relationship between price and
demand is crucial for businesses to set competitive prices and maintain a healthy level of demand for
their products.

Topic 3: Importance of Demographic Analysis for Business Growth

Demographic analysis plays a vital role in understanding consumer behavior and identifying growth
opportunities for businesses. By studying factors such as age, race, and sex, businesses can gain
valuable insights into their target market and tailor their strategies accordingly.

One key aspect of demographic analysis is identifying demographic trends and shifts. Changes in
population demographics can have a significant impact on consumer preferences and demands. For
example, an aging population may require products and services that cater to their specific needs,
such as healthcare or retirement planning. By analyzing demographic data, businesses can anticipate
these trends and adapt their offerings to meet evolving consumer demands.

Demographic analysis also helps businesses identify target segments within the population. By
understanding the characteristics and preferences of different demographic groups, businesses can
develop targeted marketing campaigns and product offerings. For instance, a clothing retailer may
tailor its collections to appeal to different age groups or ethnicities based on demographic insights.

Furthermore, demographic analysis can assist businesses in identifying untapped market

opportunities. By analyzing demographic data, businesses can identify underserved or overlooked
segments of the population and develop products or services to cater to their needs. This can lead to
new revenue streams and business growth.

In conclusion, demographic analysis is crucial for business growth as it provides insights into
consumer behavior, helps identify target segments, and uncovers untapped market opportunities. By
leveraging demographic data, businesses can develop effective strategies, tailor their offerings, and
stay ahead of the competition in an ever-changing marketplace.