TUGAS 1

BAHASA INGGRIS NIAGA

NAMA : ARIFATUL MA’RIFAH

NIM : 050221825
PRODI : S1 – ILMU ADMINISTRASI BISNIS
UPBJJ : PALANGKARAYA

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

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

Answer:
For a property business that requires substantial loans, a commercial bank or financial
institution with a strong commercial lending division would be suitable. Commercial banks
make money by providing and earning interest from loans such as mortgages, auto loans,
business loans, and personal loans.
Here’s why:
1. Expertise in Commercial Real Estate: Commercial banks typically have a specialized
teams with expertise in commercial real estate financing. They understand the specific
needs and risks associated with property investments.
2. Large Loan Capabilities: Commercial banks have the financial capacity to provide
significant loan amounts, which is essential for real estate projects that often require
substantial capital.
3. Costumized Loan Products: they can offer tailored loan products to meet the unique
needs of your property business, such as construction loans, commercial mortgages,
or real estate development financing.
4. Competitive Interest Rates: Commercial banks often offer competitive interest rates
and terms, making it cost-effective to secure the necessary funding for property
ventures.
 5. Relationship-Based Service: Building a strong, ongoing relationship with a
commercial bank can be beneficaial. They can provide financial advice, credit lines,
and other banking service to support your business’s growth.
6. Regulatory Oversight: Commercial banks are subject to regulatory oversight, which
can provide a level of security and transparency for your business transactions.

It’s essential to research and compare different banks and their commercial lending offerings
to find the one that aligns best with our property business’s requirements and long-term
goals.

Sources:
- Siti Era Mardiani, BMP Economic Terms Started with B
- Julia Kagan, Investopedia.com/How Do Commercial Banks Works, and Why Do They
Matter?
- Ojk.go.id/perbankan/bank-umum