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Rabu, 21 Desember 2022

Ease of Online Submission for SME Insurance

Desember 21, 2022 0

Ease of Applying Online for UKM Insurance that Your Business Needs

On this page, you can apply for SME insurance online from dozens of the best partners we have. CekAja.com makes it easy for business owners or business owners to provide protection with the best SME Insurance.
Ease of Online Submission for SME Insurance

Definition of SME Insurance

As a business or business actor, of course you want your business not only to progress and develop but also to be safe and have protection.

SME Insurance (Small and Medium Enterprises) is protection designed and developed specifically for the specific needs of Small and Medium Enterprises – or also known as SME (Small Medium Enterprise). SME insurance is specifically designed and developed to provide a wide range of insurance protection options that can be tailored to the specific needs of a business or business.

Several protection benefits are at an affordable cost and can be adjusted to the business risks faced in SME industries to choose from. For example, insurance for retail SMEs, food and beverages, offices, education, health services, and tourism. With just one click on CekAja.com, you can immediately protect all risks that might occur to your business or business.

By applying for SME insurance online, you will get many benefits, especially the ease of application, and no need to go to the bank. Register for insurance for your business online, which you can easily submit only through CekAja.com.

Articles About SME Insurance:

  • The importance of having SME Insurance for individuals and corporations
  • Independent Business Credit
  • Cheap way of marketing for SME scale businesses
  • BRI Business Credit
  • Insurance other than BPJS
  • UKM calculator
  • Secrets of SME business promotion

General Terms

Currently, there are various types of insurance for SMEs, including building insurance which includes insurance for office contents, goods delivery, domestic travel, and liabilities to third parties; health insurance  (askes) and personal accident (Personal Accident/PA); fire insurance; and SME credit insurance.

CekAja.com offers flexibility for SME partners who want to continue to grow and develop their businesses, including the general requirements and documents needed to apply for SME insurance.

If you need information about these general terms and documents, the CekAja.com team is happy to help you through their interactive services, such as live chat and free consultation services via telephone which will be handled directly by our insurance experts.

Also lead: 4 Steps to Find Business Opportunities IN the Import Market

How to Register

CekAja.com tries to simplify the process of submitting your SME Insurance application and the simulation of the protection you will get. Just apply now. If you need a complete service, try contacting our interactive service; live chat, and customer consultation.

Although relatively new, several financial institutions are now starting to work with insurance companies to provide insurance for small and medium businesses with affordable premiums. One of them is PT Bank Rakyat Indonesia (BRI) which cooperates with its subsidiary, PT Bringin Jiwa Sejahtera (Bringin Life). BRI Bank invited PT Asuransi Bringin Sejahtera Artamakmur (BSAM) and PT AJ Jiwasraya to launch Micro Insurance - Accident, Health, and Death (AM-KKM).

Apart from state-owned banks, private banks also provide SME insurance. PT Bank Danamon Tbk (BDMN) is a private bank that sees minimal SME growth, even though the SME segment has great potential for the Indonesian economy. Bank Danamon launched an insurance solution for the Small and Medium Enterprises (SMEs) segment by collaborating with Manulife Indonesia Life Insurance.

There are five insurance products launched by Bank Danamon and Manulife Indonesia, namely: Proteksi Prima Maxima (investment service for optimal protection); Proteksi Prima Plan (planning investment service); Proteksi Prima Plan Flexi (the best planning service for optimal protection); Proteksi Prima Emas (financial planning services at the golden age); and Proteksi Prima Sejahtera (life protection services).

SOEs in the service sector also seeks to protect micro-enterprises so that SME businesses are sustainable. This can be seen in the cooperation between Madani National Capital and Asuransi Jiwasraya in terms of microfinance and microinsurance for small micro-business actors in Indonesia. A large number of SMEs have closed because small business actors failed to pay or died, encouraging this collaboration to empower UMK and cooperatives.

Advantages of Having SME Insurance

as small and medium enterprises (SMEs) in Indonesia do not have the awareness to join insurance to protect against the risk of loss if their business activities are destroyed due to natural disasters. The condition quoted from a report was indeed scary. Because from the news, it was also said that almost 90% of SMEs do not have insurance or protection for the business they own.

In fact, you can get various benefits by using SME insurance. Small and medium businesses also need insurance solutions not only to protect themselves and their families but also their employees. This benefit is in the form of an advantage in insurance protection which includes:

  • Property, including protection of your factory, office, and business assets, such as:
    • Fires that result in loss or damage to stocks of goods, furniture, equipment, tools, and other contents; and
    • Loss or damage due to theft, including burglary and burglary, or any attempted attempt thereto
  • Employee benefits, including health insurance and accident insurance, such as:
    • Personal accident, which is a loss caused by an accident, permanent disability, or death of your employees, including when they are traveling abroad; and
    • Complete protection for the life and health of policyholder customers (entrepreneurs), including daily hospitalization benefits
  • Business processes, including transport insurance (export-import), business interruption, and business travel convenience, such as:
    • Business continuity in the event of certain loss or damage to the guaranteed property, so that business activities can run as usual
    • Theft: loss or damage resulting from theft, including burglary and burglary, or any attempted attempt thereto
    • Cash in safe: lost cash and undisbursed checks stored in safes, vaults, or work area drawers
  • Public liabilities, separate:
    • All legal responsibility to pay damages to third parties for bodily injury or property damage
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Senin, 05 Desember 2022

4 Steps to Find Business Opportunities IN the Import Market

Desember 05, 2022 0
The import business is one of the markets for developing value-added business activities in Indonesia. Import is an activity carried out to enter goods from foreign countries into Indonesia. 

Importing activity is bringing merchandise from abroad into the country, while the importer or importer is a business actor (private company, government, group, or individual) who acts as the importer. 

Importing means the process, procedure, action procedure in importing. Import has the opposite meaning of export, if exports (exporters) issue domestic goods abroad, then imports (importers) are bringing goods from abroad into the country

As a way to expand the business run by business actors in Indonesia is a strategy to seek market opportunities for imported goods that can increase the company's profit value. 
Several strategies that can be carried out by Indonesian business actors in understanding the import market are as follows.

Business Opportunities IN the Import Market


Join the Import Community

One strategy that can be done for Indonesian entrepreneurs to be able to increase the income of the business selling goods is by joining the world import community. 
This community will make it easier for businesses to find goods with higher profits to sell or re-trade in Indonesia. To join the community, you will usually be charged a fee of 3 million to 4 million Rupiah according to the facilities we will get. 

As a new giveaway, the advantage gained is the opportunity to find suppliers of imported goods that are cheaper, more affordable, and of course have good quality goods to be resold in Indonesia at high prices.

In joining the import community, we should make sure we have seen the credibility of the community, this can be known by observing community members who have carried out importer activities and have been shown to get high profits from the activity process.

Also read: 10 Types of Heavy Equipment and Their Functions for Building Projects


Specify the Country of Origin for Imported Goods

It is necessary for an importer to understand the process of sending goods from the destination country, not just to get cheaper goods, but to provide benefits in the long term. 

The activity of selecting the country of origin for imported goods is very important to see opportunities for trade benefits to be obtained, such as in determining the type of product purchased, the quantity, the quality of the goods, the length of time for delivery, even the customs procedures for the country of origin and destination country.

Apart from that, make sure we understand the Harmonized Commodity Description and Coding System , or better known as the HS Code. 

Codefication of imported goods listed in the Indonesian Customs Tariff Book (BTKI) which includes import duties, PPH and VAT, release of goods at the Customs and Excise office, and goods import permits to facilitate the process of importing goods.

Determine the goods you want to import

Of course, as business actors, we must maximize market segmentation which will be our goal. This segmentation relates to consumer behavior in buying traded goods. 

Products or goods that will be resold in Indonesia can take into account the conditions of development of the needs and interests of the community, such as;

  • Choose products that are currently trending. This is very appropriate because the type of Indonesian people who like to try new things, including buying goods, if there is something that is trending or hotly discussed, others will buy it in droves.

  • Choosing products for hobbyists (collectors). Purchasing imported products to meet the needs of hobbyists is one of the right strategies to get permanent and certain consumers.

  • Choose sensational (seasonal) items. The need for some goods will skyrocket for certain activities such as Christmas, Eid, or other religious activities. This can provide an opportunity for importers to increase consumer buying value at that moment.

This strategy is the right step in providing high profits. Make purchases in large quantities in the process of buying activities in the import market, this is an opportunity to increase maximum profits if the product is traded back in Indonesia. 

Bulk purchases such as increasing the quantity of products in the form of wholesale rather than retail.

Understand the Goods Delivery Procedure

Imported goods that we have definitely purchased and are ready to be sent to Indonesia must be able to comply with international trade procedures, especially in the shipping process from the country of origin. 
The procedure for sending imported goods has been stipulated in the regulations of the Ministry of Trade. 

Strategic steps that can be taken by Indonesian entrepreneurs are to understand and comply with the procedures that are already in effect. 

Apart from that, in the process of shipping goods, it is necessary to know a number of points to make it easier for goods to reach their destination, such as understanding the process of determining trade shipping costs for each country, choosing freight forwarder services at a lower cost, carrying out insurance on imported goods, and understanding procedures customs.
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Sabtu, 03 Desember 2022

10 Types of Heavy Equipment and Their Functions for Building Projects

Desember 03, 2022 0
Heavy equipment is a machine with a large size that is designed to carry out construction tasks such as moving building materials, earthworking , and others. 

Generally heavy equipment is used in construction work, such as the construction of roads, buildings or mining which requires both human and machine resources to assist the work. 

Heavy equipment is produced by several large companies such as Komatsu (Japan), Caterpillar (America), Volvo (Sweden), Hitachi (Japan), Doosan Infracore (South Korea), and others.

The following are 10 types of heavy equipment and their functions

Heavy Equipment and Their Functions for Building Projects


1. Excavator (Bego)

Excavator (bego) is a type of heavy equipment that is generally used to dig into the ground and move soil or other material into loading trucks. Excavators or what Indonesians call dumb are the most common tools in a project because of their various functions. 

In addition to its use for digging soil, excavators have other functions, including moving heavy materials, leveling the ground, embedding foundation rods, dredging rivers, and many others.

2. Bulldozer

Bulldozers are heavy equipment that are generally used to cultivate land. Generally used to push soil material, excavated, either to the front, side, or to make a pile of material. 

The types of bulldozers that exist today are quite varied. Swamp bulldozers, for example, are the types of bulldozers used in swamp construction. Crawler tractor dozer is a bulldozer that uses centipede wheels. Wheel tractor dozer is a bulldozer that uses rubber wheels.

3. Wheel Loader

A wheel loader is a tool that has a function not too different from a bulldozer, which is used to move material or goods from one device or place to another. How it works by digging (doing the loader). Then the bucket will be pushed on the material that will be lifted. If the bucket is full, the tractor backs up and the bucket is lifted up to be moved later. 

Wheel loaders have other functions, namely cleaning the place or work location, leveling the pile of soil and filling it again, displacing the soil at close range, leveling the surface or smoothing the flat surface and so on.

4. Wales Stump

Vibro roller (Stump) or also known as wales is a tool used to compact asphalt or soil surfaces. Stumps are often used when building roads. Actually this tool is called a vibro roller, but Indonesians often call it a stum, rolling machine or galindong machine. 

On the market, the size of this tool is quite varied, some are small, medium to large so that this tool can be used in a variety of land variations, ranging from small land to large land.

5. Crane

Cranes have the function of moving or transporting materials from the bottom up or vice versa. Tall cranes or cranes are generally used in building construction projects. 

Various materials that are difficult to move with human power to a high surface such as the roof of a building will be towed away with a crane. This tool can move mechanically horizontally and vertically. There are various types of cranes that can be found on the market, ranging from mobile cranes (truck cranes), tower cranes, hydraulic cranes, crawler cranes, overhead cranes, and others.

6. Grader

A motor grader or grader is a machine with a long blade used to mechanically level the surface of the soil. Not only that, this tool can also be used to mix soil, carry out land clearing, backfill excavation, level embankments, and many others. 

In general graders are used at the final stage, such as setting or repairing. It is used in the construction and maintenance of gravel and dirt roads, or it can also be used to prepare the foundation of a road construction project before spreading asphalt.

7. Scraper

Motor scraper or scraper is a type of heavy equipment that is widely used in cutting dam slopes or embankment slopes. This heavy equipment can also be used to dig the ground between concrete buildings and can also be used to level roads. 

In its working process, this tool can excavate the soil surface to a thickness/depth of more than 2.5 mm and can also fill in a desired location, up to a minimum thickness of more than 2.5 mm.

8. Asphalt Paver

Asphalt paver or what is often called an asphalt finisher is a tool that can spread asphalt mixture that has previously been made with asphalt production equipment. 

The weakness of this asphalt paver is that the centipede wheel rotation maneuver seems longer. Because the rubber wheels are used with a threshold that feels rougher.

9. Diesel Hammer

Diesel hammer itself is a tool used in hitting or driving piles into the ground. Generally, this tool will be used in building foundations for multi-storey buildings, tower bridges, piers, and other buildings. 

This tool works by using a steam engine, in moving the hammer or beater, in the single or double acting steam hammer used. The hammer used in hitting the pile itself is quite varied, some have a fixed, hanging model, and some rotate in the vertical plane.

10. Roller

Pneumatic tire roller or often shortened to roller is a type of tool used in projects that produce granular materials. Not only that, this tool is generally also used in grinding hot mix layers. 

Therefore, the roller is often used as a soil compactor. There are several types of rollers that are used in general, including:

  • Based on the way of movement, some move on their own and some have to be pulled by a tractor.
  • Based on the roller wheel material, some use wheels made of steel or steel and some use rubber or pneumatic materials.
  • Based on the shape of the wheel surface, there are smooth or plain surfaces, lamb's legs, segmented, grid-shaped, and others.
  • Based on the arrangement of the rollers, some use 3 wheels or three wheels, 2 wheels or tandem rollers and three axle tandem rollers.
  • Using compactors equipped with vibrators.


This is a discussion of the types of heavy equipment and their functions for building projects that you need to know. Heavy equipment does have an important role in supporting construction, mining, agriculture/plantation activities, and so on. 

As the name implies, the risks faced by heavy equipment when operating are no less severe. Based on experience, small to large accidents and even total losses can be experienced from the use of heavy equipment.


Meanwhile, the investment value of large equipment is so large that it can have an impact on the company's finances if things go wrong. Income can decrease because the unit cannot be used for a long time. High repair costs can also drain the company's finances. 

Therefore one of the best solutions for entrepreneurs and owners of heavy equipment is heavy equipment insurance. So, for those of you who want to know about heavy equipment insurance , just visit Astra Insurance for complete and guaranteed heavy equipment insurance!
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Kamis, 01 Desember 2022

Get to know the Meaning of International Financial Policy, Organizations, and Types of Markets

Desember 01, 2022 0
Policy International finance is a country's policies that can affect the international economy. One of them is trade relations between countries.

International finance itself discusses the dynamics of the global financial system, the international monetary system, the balance of payments, exchange rates, foreign direct investment, and its relationship with international trade.


Scope of International Financial Policy


Get to know the Meaning of International Financial Policy, Organizations, and Types of Markets



Based on the book International Economic Policy by Emmy Lilimantik, policy finance International law is an action or government economic policy that directly or indirectly affects the international economy.

The international financial policy aims to maintain a balance in the trade balance and maintain the balance of payments conditions stably against changes in cash.

The scope of international financial policies includes:

1. International Trade Policy

This policy includes actions on the current account relating to export and import transactions.

This regulation covers tariffs, subsidies, bilateral trade agreements, free trade areas, and so on.

2. International Payment Policy

This policy includes action on the capital account by exercising control over international payments. Including those using foreign exchange flow control tools and long-term capital.

3. Foreign Aid Policy

This policy covers government actions related to grants, loans, assistance aimed at assisting rehabilitation and development, and military assistance to other countries.

International Financial Organization


Get to know the Meaning of International Financial Policy, Organizations, and Types of Markets



Based on the book Diktat Courses in International Finance by Posma Sariguna Johnson 
Kennedy,organization international finance consists of:

1. International Monetary Fund (IMF).

The IMF was founded in 1944 with its main objectives, namely:

  • Assists cooperation between countries on international monetary matters.
  • Seeking stability in world currency exchange rates.


2. World Bank (WB).

WB was founded in 1944 with the main objective of providing loans to a country to strengthen its economic development. WB's main source of funding is the sale of bonds and other debt instruments to private and government investors.

The foundation of WB's establishment is to make a profit. Therefore, the loans provided are not grants but are given at market interest rates.

3. International Financial Corporation (IFC).

IFC was formed in 1956 to assist the establishment of companies within a country. IFC works to foster economic development through the private sector and not the government sector.

This organization not only provides loans to companies but also buys shares, so those who become shareholders are not only creditors.

International Financial Markets

Based on the book Diktat for International Finance Subjects by Posma Sariguna Johnson Kennedy, the following are the types of international financial markets.

1. International Exchange Rate Market

This market allows currency exchange to facilitate international trade or financial transactions.

2. Money Market

Money market international consists of several banks that accept deposits and offer short-term loans in various currencies.

3. International Credit Market

The market consists of commercial banks converting a portion of their deposits into medium-term loans to governments and large corporations.

4. Bond Market

MarketbondInternational markets are markets that facilitate international long-term credit transfers. This allows governments and large corporations to borrow funds from various countries.

5. Stock Market

Market share enables companies to obtain funding from foreign countries. This sector helps multinational companies to finance their international expansion.
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Existing Business Models On Cruise Ships

Desember 01, 2022 0
In almost all cruise ships, meals are included in the price of cruise tour packages purchased by passengers. In general, restaurants on cruise ships serve two meals a day, breakfast and dinner. Passengers are given set meal times during the cruise.

Even so, a new trend has emerged where diners are allowed to eat whenever they want. By providing a schedule of two meals, ships can have enough time and space to accommodate the needs of all their guests, including entertainment.

However, if you follow the trend of allowing guests to eat whenever they want, it can cause some conflicts with some events on board (such as shows and other entertainment). This problem is usually fixed by shortening the show schedule.

Cunard Line ships maintain the ocean liner class tradition and have separate dining rooms for different types of suites, while Celebrity Cruises and Princess Cruises have standard dining rooms and special “upgrade” restaurants that require pre-booking and an additional fee. Many cruise ships schedule "formal dinners."

Guests dress "formally", such as wearing ties and tuxedos for men, and formal dresses for women. The menu is more upscale than usual. In addition to dining areas, modern cruise ships often contain one or more regular buffet-style restaurants, which may be open 24 hours and with menus that vary throughout the day to provide meals ranging from breakfast to late-night snacks.

The ship also features many bars and nightclubs for the entertainment of passengers; Most cruise lines do not include alcoholic beverages and passengers are expected to pay for drinks when they consume them.

Most cruise lines also prohibit passengers from boarding and consuming drinks they bring from outside, including alcohol, while on board. Alcohol purchased from outside will be sealed and returned to passengers when they land. There is often a master galley responsible for servicing all of the major restaurants on board, although specialty restaurants may have their own galley room.


As with most ships, adequate supplies are essential, especially on cruise ships serving several thousand meals per voyage. The Royal Princess Cruise Ship, for example, requires a large number of workers to load and unload eight tons of food supplies at the beginning and end of each voyage.

Business Models On Cruise Ships



Cruise Ship on-board facilities

Most modern cruise ships have the following facilities:

  • Casino – Only open when the ship is at sea to avoid conflicts with local laws
  • Shops – Only open when the ship is at sea to avoid merchandising permits and local taxes
  • Spa
  • fitness center
  • Library
  • Theater with Broadway-style performances
  • Cinema
  • Indoor and/or outdoor swimming pool with water slide
  • Hot tub
  • Buffet restaurant
  • The waiting room
  • Gym
  • Club
  • Basketball court
  • Tennis court
  • Pool table
  • Pingpong table
  • Hospital

Some of the ships have bowling alleys, ice skating rinks, rock-climbing walls, sky-diving simulators, miniature golf courses, video arcades, ziplines, surfing simulators, basketball courts, tennis courts, chain restaurants, and/or ropes courses.

Cruise crew

Crews are usually hired on 3 to 14-month contracts which can then be renewed by mutual agreement, which is based on the passenger's assessment of the service and the characteristics of the cruise operator itself. Most staff work 77 hours for 10 months straight followed by 2 months vacation.

There are no paid vacations or pensions for service workers, or non-management crew, depending on position level and type of contract. Non-service and management crew members get paid vacations, medical options, and retirement, and can participate in company insurance plans.

The base salary is low by North American standards, although restaurant staff has a sizeable earning potential from passenger tips. Crew members do not have to bear any costs while on board, because food and accommodation, medical care, and transportation for most of the employees, have been provided free of charge by the company.

This makes a cruise ship career quite interesting even though the salary isn't exactly high. Accommodation arrangements while on a cruise ship vary depending on the company, but mostly correspond to the crew's position on the ship. Generally, two employees share a cabin with shower facilities, a commode, and a desk with a television set, while senior officers are assigned a single cabin.

There is a set of facilities for the crew separate from the passengers, such as a mess room and bar, recreation room, prayer room/mosque, and gym, with some larger ships even having a crew deck with a swimming pool and hot tubs.

For the major cruise operators, most of the “hotel staff” are employed from low-industrial countries in Asia, Eastern Europe, the Caribbean, and Central America. Although most cruise lines are headquartered in the United States. As with most international shipping companies, ships are registered in countries including the Netherlands, United Kingdom, Bahamas, and Panama.

The 2001 International Maritime Labor Convention, also known as the “Seafarers' Bill of Rights,” provides comprehensive rights and protections for all seafarers. The ILO sets strict standards regarding hours of work and rest, occupational health and safety, and living conditions for seafarers and requires governments to ensure that ships comply with the agreements that have been made.

For cruises around Hawaii, operators are required to register their vessels in the United States, including the entire crew, so these cruises are typically significantly more expensive than those operating in the Caribbean and Mediterranean.

Cruise Ship Business Model

Most cruise lines since the 2000s have dispensed with much of the cruising experience, to some extent, a la carte, as passengers jumping through significantly more than ticket sales.

Passenger tickets cover stateroom accommodation, room service, unlimited meals in the main dining area (or main restaurant) and buffets, access to shows, and use of the pool and gym facilities, while there is a daily fee to cover housekeeping and waiter service.

There are also surcharges for alcohol and soft drinks, official cruise line photos, internet and wi-fi access, and specialty restaurants. It has been reported that casinos and photos have high-profit margins.

Cruise lines generate significant revenue from selling land excursions (saving 50 percent or more of what passengers spend on these tours) offered by local contractors. In addition, cruise ships earn significant sales commissions from shoreline stores that are promoted as “preferred” (as much as 40 percent of gross sales).

Facilitating this practice is a modern cruise terminal with duty-free shop establishments within the perimeter accessible only to passengers and non-locals. Ports of call are often oriented to their own businesses and facilities solely to meet the needs of visiting cruise ships.


In one case, Icy Strait Point in Alaska, the entire destination was created solely for cruise ship visitors. Travel to and from the port of departure is the responsibility of the passenger, although purchasing an entry ticket from the cruise line for travel between the airport and the cruise terminal guarantees that the ship will not depart until the passenger has boarded.

Likewise, if a passenger books a shore excursion with a cruise line and the tour is about to end, the ship is required to stay until the passenger returns. Luxury cruise lines such as Regent Seven Seas Cruises and Crystal Cruises market their fares as "all-inclusive".

For example, the base fare for the Regent Seven Seas includes most alcoholic beverages on board and most shore excursions at the Port of Call, as well as all gratuities normally paid to hotel staff on board. The fare also includes one night's hotel stay before boarding, and airfare to and from the cruise port and destination port.
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30+ Most Promising Business Opportunities in 2023

Desember 01, 2022 0
Running a business requires proper planning.You have to determine the business you want to run,And see the most promising business opportunities at this time,and understand your ability to run it.

In this article, we will share In this article, we will share 30+ Most Promising Business Opportunities in 2023, including:

  1. Environmentally Friendly Creative Product Business
  2. Online courses
  3. Car rental business
  4. Website creation services
  5. Wedding organizer
  6. Affiliate marketing
  7. Handicraft business
  8. Dropshipping business
  9. Software / software business
  10. Haircut business
  11. Child care services

And many more! That way, you don't need to do your own research, and can choose the business opportunity that best suits your abilities.


Most Promising Business Opportunities



What You Need To Know About Business Opportunities?

Starting your own business is a wise choice. 

The reason is, personal business does promise lucrative profits. In fact, almost 54% of private businessmen claim that their income has increased. 

In addition, as many as 26% of these business people want to get freedom in running their own business. Of course, with the aim of continuing to build it to be better. 

However, this is certainly not as easy as turning the palm of the hand. 

To start a profitable business, there are some tips you can try:

Follow your Passion

Running a business according to passion makes you not give up easily. The reason, you will really love the job. You will face the various challenges that arise calmly and with focus.

The business that you run can also start from the things you like, such as traveling, camping , and others. After all, there are many examples of profitable businesses that depart from hobbies. 

Go Online

To help your business grow rapidly, take advantage of technological sophistication. 

Yes, going online is no longer an option. Businesses that go online will reach a wider market share without being limited by time and location. The profit potential is quite large. 

In fact, e-commerce transactions in Indonesia this year alone have reached IDR 13 trillion/month . Fantastic! 

A business that is supported by creating an online store website will be able to attract more potential customers. Especially if it is supported by convenience for consumers to find your business, such as registering it with Google My Business .

The results achieved will certainly be more optimal, right?

Know Competition

Having a good product doesn't just guarantee the success of your business. One of the factors is the presence of intense business competition. 

Often you have to "share the cake" with competitors and apply a price war strategy that is quite fierce. For business people, this condition is certainly less profitable. 

The solution to this is to do market research on the business opportunity you want to run. Apart from that, you can also look for a niche market (business scope) that has not been explored by many other businesses.

List of the Most Promising Business Opportunities

We have searched for various examples of the best business opportunities based on the type of business , the type of business (whether online or offline), and the required capital (small or medium).

From our search results, here are the most promising types of business opportunities in 2023, even for beginners:

1. Creating Environmentally Friendly Creative Products

Business Type: Offline/Online
Capital: Small – Medium

Creating useful products while protecting the environment can be a promising business opportunity. 

This is the example given by Deasy Esterina , the owner of an environmentally friendly business, Kreskros, when producing creative bags from plastic waste. This business is proven to be able to generate large profits. The market share of this business is also international.

Deasy started her business with a capital of IDR 10 million to buy various equipment. He markets his products through social media by building awareness of using environmentally friendly products. Then, via the Kreskros.com website , he continues to take his business more seriously. 

As a result, the sales turnover has now reached IDR 60 million/month. 

2. Online Courses

Business Type: Online
Capital: Small

Do you have expertise in a certain area? Starting an online course business is certainly the right choice. 

Building a regular course requires special premises and various other requirements. There is a lot of preparation and the business competition is still quite fierce. 

Online courses are different. Besides you can start the business from home, the types of expertise that can be offered also vary. Courses that you generally encounter are related to foreign languages ​​and other school subjects. Actually not only that.

For example, Amimono . The website offers online knitting courses. You can get various knitting skills ranging from knitting , crochet to yubiami when you take part in the classes offered. 

So, have you found an idea for your online course yet?

3. Car Rental Business

Business Type: Offline/Online
Capital: Medium – Large

You may have encountered a lot of car rental businesses. The initial capital required is not small. So you may not be that interested in trying it. 

However, you can take inspiration from Aldi Febian Mahabian , a car rental entrepreneur. This businessman's story shows that to start a business, creativity is a key factor, not just capital. 

At that time, as a rental car driver, he found a business opportunity that the community wanted a driver who had good looks and broad insight. Using Twitter, he started promoting “good looking driver rental services”.

Gradually, more and more clients. With a profit sharing system, the business is growing. The income he receives every month can reach up to IDR 78 million.

It is proven that this car rental business can not only be done offline, but also online as shown by drive.id .

4. Website Development Services

Business Type: Online
Capital: Small – Medium

One promising business that can be run from home is a website creation service. 

If you are a developer , there is nothing wrong with pursuing this business. The capital required is not too large. Like any other service business, the profit opportunity is quite large. 

Not only from website creation services, you can get additional income from collaboration with other parties. 

As you know, a website will need a name & you need domain name registration and hosting to get online. So, you can also become a reseller of hosting and domain products at the same time . Fortunately, you can start the partnership without capital and registration fees.

5. Wedding Organizer

Business Type: Offline/Online
Capital: Small – Medium

Every bridal couple wants their special moment to be perfect. Therefore, a wedding organizer is always needed to organize a series of events.

From a business standpoint, this is certainly a promising type of business opportunity. 

Don't assume that this business is no longer a prospect as the number of wedding organizers increases. In fact, the industrial value of the wedding business this year alone has reached IDR 500 trillion .

Once again, your creativity in identifying the market is key. This is exemplified by Fitri Aulia Abdullah who offers wedding organizer services with the syar'i concept.

Is the required capital very large? Not really. Fitri admitted that she started the business without capital. Another wedding organizer named Yupitirani used IDR 3 million to start this business. 

6. Affiliate Marketing

Business Type: Online
Capital: Small

Affiliate marketing allows you to earn money by promoting other parties' products. So, it's clear that this is an example of a promising business opportunity. Because, with affiliates , you can even start with small capital, even without capital. 

The way it works is quite easy. If someone buys a product using the referral code that you provide, you will get a commission according to the agreement agreed upon.

7. Creating Handicrafts

Business Type: Offline/Online
Capital: Small – Medium

Skills in processing a material into handicrafts can be a promising business. 

You don't even have to start with big capital. With just a few hundred thousand, you can get started. Most importantly, perseverance and foresight to see business opportunities. 

That is the message that can be taken from I Nyoman Gede Sumaartha , a handicraft entrepreneur from Bali. Starting a business selling other people's products, he felt that the quality of the materials from his suppliers was not of good quality. So, he took the initiative to create his own product to ensure customer satisfaction. 

His products have proven to be very popular and even exported overseas. How much is the business turnover per month? Reached IDR 700 million. 

You can also learn from the success of  Yanis Gallery from Yogyakarta in entering the export market by using a website as a promotional medium. Various awards were won thanks to their persistence in the business. 

8. Become a dropshipper

Business Type: Online
Capital: Small

Dropship business also allows you to start a business without capital . However, make no mistake, the earning potential cannot be underestimated. 

The dropship business model is similar to reselling. The profits come from the difference in the price you receive from the buyer to buy the product from the seller. The difference is, being a dropshipper doesn't require you to have your own warehouse. Because, it is the seller who will send the goods to the consumer. 

Aprie Angeline is one of the successful people from the dropship business. 

He started by selling clothing products, which turned out to be not very successful. After changing into a reseller of beauty products, her income increased dramatically. He could earn tens of millions in just a few months.

Until now, the dropship business is still quite potential. Several platforms, such as YukDropship , have started to lively offer this business collaboration.

9. Selling Software / Software

Business Type: Offline/Online
Capital: Small – Medium

Information technology is developing rapidly and will not stop. For those of you who have programming skills, you can try the software sales business.

There have been many successful figures in this business. You can be one of them. 

Call it the name Donny Kris Puriyono. This STIKI Malang graduate created a lot of software, ranging from language laboratory software to school management. His business was successful enough to penetrate the export market. In fact, he managed to form his own IT company.  

10. Haircut Business

Business Type: Offline/Online
Capital: Small – Medium

Have you ever seen the show "The Cuts Indonesia" that aired on TV? An event to find the best hairdresser. The event shows that the art of styling hair has become a lifestyle trend in today's society.

For business people, this is a very promising business opportunity. Because the development prospects are very bright. 

Starting this business does not require large capital. For example, Nikasius Dirgahayu only needed Rp. 2 million to build Nick The Barbershop. The capital is used to purchase hair-cutting equipment, supporting furniture and initial promotion costs. 

If it has developed, you can follow in the footsteps of Arfa Barber Shop and Toekang Tjoekoer to turn it into a franchise business. Of course you as the franchisor.

11. Child Care Services

Business Type: Offline/Online
Capital: Medium – Large

Love kids and want to run a business from home? Opening a cchildcareservice can be an attractive option. 

This business is very suitable to run in big cities. Busy working parents often require children to be entrusted to other parties. This could be a business opportunity .

Initially, you may have to prepare capital to renovate your home. The goal is to make your home a fun play area. In addition, you need to buy some children's play equipment as well as efforts to promote your business. 

Let's say the childcare fee per month is IDR 500,000. If you accept 10 children, your monthly income is IDR 5 million. 

That can also increase if you also accept children who need special supervision such as toddlers or babies. Of course ,your income is increasing.

Not only that, if you promote it well through the website, of course you will be able to reach more consumers. One such example is KideeChildCare.

12. Selling Snacks

Business Type: Offline/Online
Capital: Small – Medium

Food products do not die. Especially light food products or snacks. Although many new products have been introduced, the public's enthusiasm to try them is quite large. This means that the business potential is still quite large. 

If you want to try this snack business, the key is product quality and uniqueness. Then, to further increase sales, you can market it online. 

Starting this business does not have to be with big capital. Even you can run it from home. 

An example of a successful business is Lidi Geli. Starting from her desire to introduce traditional food, Pamela Nurul Islami produces stick noodle snacks for the youth market.

With an initial capital of only IDR 1 million, Pamela admits that her profit margin can reach 50% of the initial capital she spends. The business is growing, especially after marketing is also carried out through the Lidi Geli website .

Interested in trying this small capital business with big profits?

13. Business Franchise / Franchise

Business Type: Offline/Online
Capital: Small – Medium

Franchise business is a type of business that is run on a partnership model. Working with companies whose products are already known is relatively quicker to bring in buyers. 

The business potential offered is quite good and has developed. However, some people think that franchises must be capitalized only for the food business. 

In fact, many franchise options start with small capital. In addition, currently the,re are many franchise options such as laundry, goods delivery services, training, and others. There are even partnerships in the tire patching and air conditioning business, as offered by Green Nitrogen .
The key to this business is to be observant in seeing the latest business opportunities, and choosing the type of business and business partners that are profitable and prospective. 

Again, don't worry, not all franchises require you to have laa rge capital.

14. Translation Services

Business Type: Online
Capital: Small

Foreign language skills can help you earn a large income. You can start a translation service business with a turnover of up to $500/month. Interestingly, you can do it from home. 

Yes, that's the story of  Reni Heryani who entered the world of online translation. He is a freelancer who often gets part-time jobs from several freelancer platforms. 

For those of you who want to run this business in full ( full time ), of course the results achieved can be greater.

15. Opening an Online Store

Business Type: Online
Capital: Small – Medium

Nowadays it's getting easier for someone to create an online store website . The range of products sold is also increasingly diverse. The capital required is also not too large. 

In fact, this business opportunity is indeed very promising. Because the transaction potential alone reaches IDR 77 trillion in 2018. This means that the opportunity for success with online stores is still wide open. 

Your foresight in seeing gaps in the market is very necessary. The gap in the market is the latest business opportunity that has not been worked on but is much needed by consumers. 

An interesting example is the doll accessories business. One of the online stores that are engaged in this unique business is Barbie Huse . This website provides a variety of unique items in the form of barbie houses and other mini furniture.

What are the potential business opportunities? In general, the accessory and custom doll business itill quithas e potential. In fact, the turnover can reach Rp. 50 million / per month.

This is what Solihin, another Barbie doll businessman from Jakarta, has experienced. Claiming that he only has a capital of 5 million rupiah, the business he is in continues to grow. In fact, at certain moments he had to increase the number of workers. 

Have you thought about what to make an online store?

16. Small/Medium Capital Business: Catering

Business Type: Offline/Online
Capital: Small – Medium

Especially for those of you who live in big cities, trying the catering business is still a promising business opportunity in 2023. This is because your business will be a solution for office workers who want a delicious and easy-to-find lunch menu.

Not only that, this variation of the catering business itself can still be developed further. An example is catering specifically for healthy food menus such as those run by Gorry Gourmet and My Meal. 

You just have to be creative with your own menu and business choices. 

For a catering business, you can start with minimal capital. This is what Riezka Sari showed when building HalalFood with only IDR 3 million. However, his persistence in doing business led him to achieve a turnover of up hreds of millions of rupiah each month. 

17. Selling Blog Themes

Business Type: Online
Capital: Small – Medium

Many blog owners often change themes to make their blog more attractive. However, it is necessary to pay attention to function factors and even SEO optimization. 

So, if you are good at making blog themes like Mas Sugeng, sselling blog themes still provide a promising business opportunity. Of course you have to understand the criteria for a good blog theme such as mobile-friendliness, SEO optimization loading ,and attractive design. 

Not limited to Blogger themes, you can also create various blog themes for WordPress because there are so many users of this platform. You can see examples done by ID Theme or foreign sites like Themeforest .

Most importantly, starting this business requires no capital and can be done from home. Do you want to do it part-time or full time? It all depends on your choice. 

18. Bridal Makeup

Business Type: Offline/Online
Capital: Small – Medium

If you have expertise in the field of makeup , becoming a bridal makeup artist is worth trying. 

To start this business you need capital in the range of 10-20 million rupiah depending on the size of the business you are going to build. Part of the capital will be used to purchase makeup tools, supporting clothing, and initial promotional costs.

The business opportunity is quite large because some business people claim to be able to return on investment (Break Even Point) in just 3-4 months. An example is the Hartono Dance. This bridal makeup artist has successfully earned up to IDR 15 million per month.

Yuyuk Endi, a bridal makeup artist who has been involved in traditional bridal makeup for a long time, said that the turnover of the bridal makeup business ranges from 50-70% of the total capital spent. Of course, you can also get results like those achieved by Tari or even greater. 

If you want to build this business, you can start calculating the capital requirements you need before starting. 

19. Mattress Rental Business

Business Type: Offline/Online
Capital: Small – Medium

Have you ever heard of Clara Almabella Bamanty? This woman from Jogja is the figure behind the success of sewakasur.com.

Yes, you heard right. Clara builds a mattress rental business that not many people pay attention to. In fact, the turnover received can reach IDR 2.1 billion per year. Wow!

At that time, Clara started with a capital of IDR 200,000 to buy a foam mattress and used a motorbike to deliver goods to consumers. The promotion system carried out was still conventional by word of mouth. 

However, with well-managed website development. Currently ,the business has expanded to other cities. If you are interested, you can try this business because not many people are involved in it. 

20. Buying and selling of antiques

Business Type: Offline/Online
Capital: Medium

Can antiques still be profitable in this modern era? The answer: very can!

There are still many people who are enthusiastic about buying antiques. The types of goods sold are also very diverse. Interestingly, most of these antique businesses started as a hobby. So, if you have the same passion, this type of business is worth a try. 

Do you know how much the turnover of this business? is Sinta Dewi Nugraheni from Bawen, Central Java, who admits that she gets IDR 400 million per month from selling various antiques.

The capital requirement for this business does not have to be large. You can start with items whose value is not too high first. As long as the antiques are wanted by consumers, the business will continue. So, a good promotion effort needs to be done. 

You can take advantage of social media and official websites to display all collections of antiques that you sell.

21. Food Truck Business

Business Type: Offline/Online
Capital: Small – Medium

In Indonesia, the food truck business may not be very popular. This business model comes from abroad, which was originally known to sell ice cream. 

However, now many people have started to try this food truck business. The type of business is not yet diverse, still around fast food and drinks. Starting from grilled sausages,  and takoyaki to various juices. So, you can still find other business opportunities. 

Instead of using your capital to rent a shop, you can use it to remodel your vehicle into a food truck.

Then, you can start running a business using vigorous promotions through social media or personal websites. You can also join AFTI (Indonesian Food Truck Association) to expand your relationships.  

The turnover of this business is quite good. Heri Poerjanto Noegroho from Semarang admits to pocketing Rp. 6-7 million from this business. 

22. Small Capital Business: Become an Online Writer

Business Type: Online
Capital: Small

Your passion for writing can be a promising business opportunity. You can become an online writer. This business can be run from home and even without capital.

You can choose to be a part-time or full-time online writer . Some platforms that can help you get projects are Sribulancer and Upwork.

However, you can also try platforms like Wattpad if you are good at writing fiction. 

That was the step taken by Ericca Febriani when she wrote a novel entitled “Dear Nathan”. Not only liked by many people,  but the novel has also been adapted to the big screen. 

Whatever your area of ​​writing expertise, being an online writer still holds great promise for 2023. 

23. Travel Tour Business

Business Type: Offline/Online
Capital: Small – Medium

For those of you who like traveling like Ricky Surya, owner of the online tour business LetsGetLostID , trying your luck in the tour business promises quite big profits. 

At that time Ricky started his business online with a laptop. He offers tour packages to Indonesian destinations for foreign tourists through his website. The turnover generated at that time reached Rp. 60 million / month .

You can also start your own business with a unique tour package.

In fact, the potential for the tourism business is still large, up to IDR 4 trillion / yar . Especially now that the government continues to boost tourism development, both transportation infrastructure and tourist attractions. 

24. Selling Ebooks

Business Type: Online
Capital: Small – Medium

The role of books as a source of information is slowly being replaced by eBooks (electronic books). One of the reasons is the convenience for consumers to read it at any time through various media such as mobile phones or tablets.

If you have expertise in one area, you can simply summarize it in a book. The manufacturing process is relatively easy. After finishing the typing process, you can simply save it in digital form (PDF). 

You can market it through your own website or cooperate with online bookstores that are widely available.

25. Laundry Business

Business Type: Offline/Online
Capital: Small – Medium

You are certainly not surprised that the laundry business is on this list, right? In fact, the laundry service business is still a promising type of business.

Andry Tri Kurniadi is an example of a successful laundry businessman with a turnover of up to IDR 300 million/month. The beginning of his business was based on the idea that "the quantity of washing clothes is more often than buying clothes". So, he discouraged the initial intention of selling clothes. 

For a laundry business, the initial capital needed depends on how big the laundry business you are going to build is. In fact, you can start from home first. 

If you want to develop the business, you can also use technology. The goal, besides reaching more people, is also to provide the best service for your consumers.

Salah satu contohnya adalah KliknKlin yang menyediakan jasa laundry melalui aplikasi Android, iOS, dan web app.

26. Selling Health Drinks

Business Type: Offline/Online
Capital: Small – Medium

Currently, the trend of healthy living is starting to develop in society. Not only exercising regularly, but food consumption patterns are also very concerned. 

Nova Budi Setiabudi caught this business opportunity when he set up a health drink business. Through the SuweOraJamu website, he continues to educate the public about the importance of drinking herbal medicine made from natural ingredients.

According to Nova, his business grows up to 20% every year. Supported by the presence of Cafe Jamu, the turnover reaches IDR 90 million / month

Indonesian people still have an attachment to herbal medicine as a health drink. In fact, in modern times like t,oday there are still many consumers who want to consume food that is not only delicious but also healthy. 

That is, you can get into this business if you have expertise in concocting other health drinks. You can do marketing offline and online. 

Moreover, in a pandemic situation like today, the community's need for healthy nutrition is very much needed. Therefore we believe this business is one of the most promising types of business in the future.

27. Clothing Sewing Business

Business Type: Offline/Online
Capital: Small

Want to build a business from tailoring skills? you can do it. 

Currently, the fashion business in Indonesia is indeed positive. In fact, the export value of this business last year reached IDR 122 trillion ! This makes it one of the best business opportunities in 2023. 

Armed with your sewing skills and carefulness in choosing the best materials, you can make a variety of fashion products that are needed by the public. One example is the Muslim fashion business. 

In fact, you can specifically produce hijabs like what Atina Maulina did. He built Vanilla Hijab without a penny of capital because he implemented a pre-order system. 

In fact, along with his business trips, he is currently able to get a turnover of up to IDR 500 million/per month. This is thanks to the unique marketing that he does online, both through the website and Instagram.

28. Pet Shop

Business Type: Offline/Online
Capital: Small – Medium

For animal lovers, opening a pet shop business can be a lucrative business opportunity. 

One successful businessman in this business is Lely H Musar. He opened a pet shop with an initial capital of IDR 10 million and is now able to generate income of up to hundreds of millions of IDR per month. 

You don't have to start with that amount to buy various pet needs such as food and accessories. You can just start focusing on pet grooming services first. If there is already a profit, it can be used to increase the number of products sold in your store. 

The market potential is still open. This is because public awareness of pet health care is increasing. Especially now that there are many animal lover communities such as Jakarta Dog Lover and Meow Holic.

You can market your Pet Shop business online, either through websites like petshopindonesia.com  or social media. 

29. Clothing rental business

Business Type: Offline/Online
Capital: Small – Medium

Several events, such as the commemoration of Kartini Day, often require a dress code in the form of regional attire. This could be an interesting new business opportunity. Because most people are always confused about how to get the right regional clothes.

You can take the example of Tia Amalia . He saw this opportunity when he built his online clothing rental business, sewaajah.com . Through the website, visitors can choose the desired regional clothing and rent it online. 

It is important to remember that the potential for this business is still very large. You can be creative with other types of clothing rental businesses. The key is to see good market opportunities according to current trends. 

Every month, this business promises tens of millions of rupiah in turnover. Especially in big events, the turnover can increase up to three times 

30. Climbing Equipment Rental Business

Business Type: Offline/Online
Capital: Small – Medium

More and more people like mountain climbing activities. Apart from enjoying time with friends, you can also get instagramable photos .

This is an interesting business opportunity. The climbing equipment rental business still quhashe potential. 

The proof is that Dwi Widyastuti admits that she earns a turnover of IDR 5-6 million per month from a business called Avaya Outdoor that she built. At first he started this business because  of personal experience when it was difficult to find the climbing equipment he needed. 

If you want to start this business, you can see the market potential first. Do you want to build a complete rental business for a variety of equipment, or specifically for one type of equipment, for example, camping tents, as is done by Tendakeming.com?

31. Shoe Washing Business

Business Type: Offline/Online
Capital: Small – Medium

Most Indonesian people still wash their own shoes. However, that doesn't mean that the sshoe-washing business can't be a promising business opportunity.

With only Rp. 100,000 in capital, this business can bring in a turnover of up to Rp. 500 million per month. Yes, you heard right. This story comes from Refaldy Fauzi, the figure behind Sneaklin .

Starting from a college assignment, he came up with the idea of ​​a shoe-washing service. Not unexpectedly good enough consumer response. Then the business grew and turned into a premium shoes laundry .

Refaldy's business success is supported by his seriousness in getting involved in digital business through his website. This trend is starting to appear a lot like the presence of hoe laundry. However, the potential for this business itself is still quite wide open. 

32. Children's Toys Business

Business Type: Offline/Online
Capital: Small – Medium

You certainly won't believe that selling toys alone can bring in a turnover of billions of rupiah.

In fact, this is what happened to Fahrudin when he left his job as a cleaning service and built an online business, Juragan Toys. 

This decision was not reckless. Apart from learning to see his business potential, Fahrudin visited several agencies to obtain data from the business he was going to work on. 

If you get the idea to start a toy business, you can start now. Study your target market and get data from various sources about the business potential. 

Remember, you can start a business according to the capital you have. Then, grow along with the profit you get. Because this business doesn't require you to have a physical store right away. 

You can start online as shown by Fahrudin or some other stores like tokomainanonline.com.

33. Rent Baby Equipment

Business Type: Offline/Online
Capital: Small – Medium

Every parent will definitely give the best for the development of their baby. One of them is by providing the necessary equipment. However, sometimes the  is too short, so some parents prefer to rent it.

That is why opening a baby equipment rental business is a promising business opportunity. 

Meilisa Nurindah can be an example of this business. With an initial capital of IDR 10 million, this housewife has managed to build a business whose turnover currently reaches IDR 7 million per month.

Of course having a large initial capital can help to increase the number of collections you have. However, this is not always the case. You can start with some of the most needed baby equipment, such as a stroller. 

Not only that, if you can start from home, of course, you don't need to rent a store to store the baby equipment that you have. 

You can also market it online through your website, like what sewaperalatanbayi.com does

Which Business Opportunity is Most Promising for You?

There are quite a lot of types of businesses and business opportunities that you can take advantage of. One thing the business opportunities we reviewed have in common is that they are all promising ventures into the future!

To open a business you can start with the things you like the most. In other words, follow your passion.

Then, you can grow your business by taking advantage of technological sophistication by going online. And, what is no less important is to always study the market potential of the business with sufficient data. 

If you have found an idea for a business opportunity that you will work on, you can start now. Whatever capital you have can be the next important thing after your foresight, creativity, and tenacity apply how to start a good business from zero. 
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