Recognizing this tremendous potential, VENTENY has introduced a range of programs to support the empowerment of women-led MSMEs. More than just financial access, VENTENY acts as a strategic partner in sustainable business development.

Challenges Faced by Women-Led MSMEs: It’s Not Just About the Product

Despite their great potential, many women-led MSMEs still face numerous obstacles, including limited capital, a lack of training opportunities, and challenges in building a brand and marketing products digitally.

Many of these women must also juggle household responsibilities while managing their businesses, making it difficult to focus on scaling their operations.

This is why the support needed goes beyond funding. It must include comprehensive assistance to help women-led MSMEs level up.

VENTENY’s Approach: More Than Capital, It’s About Empowerment

Through empowerment programs conducted in various cities, such as Palembang and Surabaya, VENTENY demonstrates its commitment to guiding women entrepreneurs. These programs include:

• Branding and digital marketing training
• Business financial management education
• Access to working capital financing
• Networking and collaboration opportunities with fellow entrepreneurs

The focus is clear: to ensure that women-led MSMEs not only survive but thrive, creating a wider impact on their communities.

Inspiring Stories from Women Entrepreneurs

Here are just a few of the incredible women who have taken part in VENTENY’s empowerment initiatives:

• Susilaningsih – Dede Satoe

A culinary business blending local flavors with creativity. With VENTENY’s training, Dede Satoe now has a stronger brand identity and is ready to scale.

• Yayuk E. Agustin W – Namira Ecoprint

Uses leaves and natural materials to create eco-friendly fashion. Namira Ecoprint is now recognized as a pioneer of ecoprint in Surabaya.

• Angela Arlina – Honiku

A local honey business that has significantly increased its market value thanks to improved packaging and promotion strategies.

• Desy Pratiwi Putri – Silhouette Crochet

A handmade craft business with a unique, personal touch. With a digital marketing approach, Silhouette Crochet now reaches customers beyond their local area.

• Dahlia Widya N – Wani Masak

A home-based culinary MSME that now has a more structured operational system and a clearer market focus.

Each of these stories shares a common thread: women who are determined, eager to learn, and ready to grow with their communities.

Real Impact: As MSMEs Grow, Communities Rise

The success of women-led MSMEs doesn’t just lead to increased personal income. Many of these entrepreneurs also create jobs, empower other women in their communities, and offer training to develop new skills.

Growing MSMEs strengthens local economies by creating employment opportunities, boosting purchasing power, and inspiring other women to venture into entrepreneurship.

Closing a Chapter, Opening New Possibilities

Empowering women in MSMEs is not just a trend; it’s a necessity for building an inclusive and sustainable economy. VENTENY believes that when women are given the right support and opportunities, their impact extends far beyond themselves.

The empowerment programs we’ve launched are only the beginning. VENTENY will continue to build a healthy, empowering business ecosystem, especially for women who are the true drivers of change in the MSME sector.

The post VENTENY for MSMEs: When Women Drive Change first appeared on VENTENY.

One crucial thing to understand is the type of employment contract you’re offered. In Indonesia, there are two common types: PKWT and PKWTT. Although they may seem similar, they have significant differences you need to know to avoid regret later on.

What is PKWT (Fixed-Term Employment Agreement)?

PKWT stands for Perjanjian Kerja Waktu Tertentu, which translates to Fixed-Term Employment Agreement. As the name suggests, this type of contract has a clear time limit and is typically used for:

• Work that is temporary or seasonal
• Specific projects with a predetermined duration

Under current regulations, PKWT contracts can be made for a maximum of five years, including any extensions. Once that period ends, the employer cannot extend the agreement for the same role unless it’s converted into a PKWTT.

Employee rights under PKWT:

• Salary as agreed in the contract
• Entitlement to annual leave
• Coverage under social security programs
• No severance pay at the end of the contract, unless specified otherwise in the agreement

What is PKWTT (Permanent Employment Agreement)?

Unlike PKWT, PKWTT or Perjanjian Kerja Waktu Tidak Tertentu refers to a Permanent Employment Agreement. This means that your employment relationship has no set end date and continues unless terminated in accordance with proper procedures.

PKWTT contracts are typically granted after a probationary period of 3–6 months, depending on company policy.

Advantages of being a PKWTT employee:

• Greater job stability and security
• Entitlement to severance pay if terminated, as regulated by law
• Broader career development opportunities
• Access to various company benefits, such as additional health insurance or annual bonuses

Tips for Choosing and Understanding Your Contract Before Signing

To avoid feeling “trapped” after signing your contract, keep these tips in mind:

• Read the contract carefully. Never rush to sign without fully understanding every clause.

• Don’t hesitate to ask questions. If there’s any confusing terminology or clauses, clarify them with HR or your employer.

• Consider your career plans. Are you seeking temporary work, or do you prefer the stability of a permanent position?

• Compare the benefits offered. Sometimes, PKWT roles offer higher pay but lack benefits such as severance pay or opportunities for career progression.

• Seek advice if needed. Consult with friends working in HR or seek guidance from a professional.

Conclusion: Don’t Just Agree, Know Your Status

Both PKWT and PKWTT have their pros and cons. A permanent role isn’t always better, nor is a fixed-term contract necessarily worse. It all depends on your personal needs and career goals.

The key takeaway: Don’t sign blindly. Understand your rights and obligations so you can make informed decisions for your future.

I hope you feel more prepared the next time you’re presented with an employment contract.

The post Know the Difference Between PKWT & PKWTT Work Agreements! first appeared on VENTENY.

Many young couples are surprised when they finally break down the expenses, venue rental, catering, outfits, photo and video services, dowry, and more. Without proper planning, these costs can quickly drain your savings. And remember, marriage isn’t just about the wedding day itself; it’s the beginning of a new chapter that requires financial stability.

So, how can you plan a beautiful wedding without incurring significant financial costs? Here are some tips to help you get started.

Set a Clear Wedding Budget

The first step is to create a detailed wedding budget. List all your anticipated expenses, including:

• Venue (hall, hotel, restaurant)
• Catering (number of guests, menu choices)
• Bridal attire
• Decorations
• Photography and videography
• Dowry and gifts
• Administrative costs (civil registration, religious affairs office, etc.)

Make sure the concept and scale of your celebration align with your financial situation. If you’re working with a limited budget, an intimate or minimalist wedding is perfectly fine. Do your research so your savings goals are realistic.

Calculate How Much You Can Save Each Month

Once you know your total estimated cost, determine how much of your monthly income you can set aside. For example:

• Monthly salary: IDR 5 million
• Monthly savings goal: 20% = IDR 1 million
• Total saved in one year = IDR 12 million

The earlier you start, the less pressure you’ll feel. Be sure to also allocate funds for emergencies so your wedding plans don’t interfere with daily living needs.

Open a Separate Wedding Savings Account

Keep your wedding savings in a separate account to avoid the temptation of spending it on unrelated expenses. You might also consider:

• A term deposit or high-interest savings account
• An account with an auto-debit feature for consistent saving

This helps you stay disciplined and makes tracking your progress easier.

Find Creative Ways to Save

Saving doesn’t mean you have to live uncomfortably. It’s about being wise with your spending.

• Cut back on lifestyle costs like daily café visits or impulse shopping
• Look for side gigs freelancing, selling online, or using skills you already have
• Use banking promos, cashback offers, and marketplace discounts, then transfer the money you save into your wedding fund

Have Honest Financial Discussions with Your Partner

Marriage is a partnership. Be open with your future spouse about your financial situation and wedding goals.

• Agree on a realistic wedding plan.
• Divide saving responsibilities based on your respective incomes.
• Practice managing money together before the wedding to build stronger teamwork and communication.

Use Financial Tools Wisely

It’s common to feel tempted to take out a personal loan when wedding costs pile up. But high-interest loans can bring stress into the early days of married life.

If you need urgent funds, consider a safer alternative, such as the Earned Wage Access (EWA) feature in the VENTENY Employee Super App. EWA allows you to withdraw a portion of your earned salary before payday, with no interest and no penalties. It’s a practical way to maintain a healthy cash flow during wedding preparations without incurring debt.

A Wedding is Just One Day, Marriage is for Life

Remember, the celebration lasts a day, but marriage is a lifetime commitment. A simple wedding is perfectly okay as long as you’re financially secure. What matters most is starting your new life together on a strong financial foundation.

Start planning your wedding savings now, and if you need a flexible solution to manage your finances, don’t forget to make use of VENTENY’s Earned Wage Access. It can help make your journey to the big day smoother, calmer, and more financially secure.

The post Wedding Savings: Financial Tips to Prepare for Your Big Day first appeared on VENTENY.

What is Soft Saving?

Soft saving is essentially a way of saving that isn’t too rigid. Unlike traditional saving methods, which demand strict discipline to set aside a fixed amount every month, soft saving is more flexible and adapts to your financial situation.

The concept is simple: keep saving, but in a low-pressure way. Small amounts are outstanding, as long as you’re consistent. And it’s okay to dip into your savings if a real emergency comes up.

Why has soft saving become so popular? Many Gen Z individuals believe that rigid saving methods only add stress. Soft saving offers a middle ground between wanting to enjoy life now and securing a safe financial future.

Why is Soft Saving Perfect for Gen Z?

Several reasons make soft savings an ideal match for Gen Z:

• Dynamic Lifestyle

Gen Z wants to enjoy life now, traveling, socializing, and purchasing the latest gadgets. Soft saving doesn’t forbid that, as long as there’s still money being set aside.

• Less Stressful

Saving feels lighter because you’re not forcing yourself to hit big numbers every month.

• Flexible

If an emergency strikes, you can access your soft savings without guilt.

• Easy to Manage

Many financial apps or digital features make soft savings super practical.

How to Practice Soft Saving: Considering Giving Savings a Try?

Here are some simple steps to get started:

• Set Aside Small, Regular Amounts

You don’t need to start with $100 a month. Even $1–$2 per day adds up over time if you’re consistent.

• Use Financial Apps

Plenty of digital wallets now offer “pockets” or separate funds. You could create pockets for “holiday trips,” “emergency fund,” or “new gadgets.”

• Choose Flexible Saving Accounts

Unlike traditional locked savings accounts, soft savings allow you to withdraw funds if needed. Just stay disciplined, only touch it in real emergencies.

• Set Realistic Goals

Soft savings work best with clear goals, such as “Trip to Bali at year-end” or “Buying a new laptop.” Goals help keep your motivation high.

• Celebrate Small Wins

Hit a weekly or monthly target? Reward yourself with a small treat (but don’t go overboard!). It helps maintain your momentum.

Examples of Soft Saving Gen Z Often Uses

To make it more straightforward, here are some soft savings methods popular among Gen Z:

• Saving via E-Wallets

Set aside leftover balances from online shopping in a digital wallet’s savings pocket.

• Saving Cashback

Instead of spending cashback on impulse buys, transfer it straight into a savings account.

• Loose Change Challenge

Every day after work, drop spare coins or small bills into a jar. It might seem minor, but it adds up fast.

• Using Earned Wage Access (EWA)

Take the VENTENY Employee Super App, for example. If you suddenly need funds before payday, you can withdraw part of your already-earned salary without interest charges. This keeps your savings safe and untouched.

Conclusion

Soft saving isn’t your typical traditional saving method. But in an era full of dynamic lifestyles and constant temptations, it’s a practical and stress-free way for Gen Z to save. You can still enjoy life today while building a safety net for tomorrow.

Remember: soft saving doesn’t mean being wasteful. The key is knowing your limits and staying disciplined in managing your money. Want comfort today and security tomorrow? Soft saving is the answer!

The post Soft Saving: The Modern Saving Style Gen Z Loves first appeared on VENTENY.

In the workplace, Gen Z’s financial struggles are far from a purely personal matter. Financial stress can negatively impact job performance, harm mental health, and even lead to increased turnover rates. The question is, what can HR do to help this younger generation breathe easier financially? Let’s dive in!

Why Is Gen Z Prone to Financial Trouble?

Many assume that Gen Z is fortunate to have grown up in the digital era. But the reality isn’t quite so rosy. Here’s why Gen Z often finds their finances in crisis:

• Low Starting Salaries

Many Gen Z workers are still in entry-level roles, while living costs continue to soar.

• Consumer Temptations

Social media constantly flaunts luxurious lifestyles, fueling impulsive spending.

• Lack of Financial Literacy

Many haven’t yet learned how to budget, avoid debt traps, or save for emergencies.

• Social Pressure

Fear of missing out (FOMO) drives Gen Z to spend more than they can afford.

How Gen Z’s Finances Impact the Workplace

Financial troubles among Gen Z employees are not something companies can afford to ignore. They can create very real workplace challenges:

• Stress and Lack of Focus

Employees are distracted, torn between work tasks and financial worries.

• Higher Absenteeism

Financial stress can trigger psychosomatic illnesses or sudden emergency absences.

• High Turnover

If salary and benefits don’t feel sufficient, Gen Z tends to change jobs more quickly.

• No Future Planning

Difficulty saving or investing leaves many Gen Z workers anxious about their future.

How HR Can Help Gen Z Become Financially Resilient

Fortunately, there’s plenty HR can do to help Gen Z not only survive but thrive financially. Here are some effective strategies:

1. Provide Financial Education at Work

HR can organize practical finance workshops or seminars covering topics such as:

• How to create a monthly budget
• Innovative ways to manage debt
• Investment tips for beginners

Bringing in financial practitioners as speakers can make these sessions more engaging and relatable.

2. Offer Supportive Benefits and Programs

Companies are increasingly creative in offering benefits that go beyond base salary, for example:

• Earned Wage Access (EWA) Programs

Employees can access part of their wages before payday in emergencies, without resorting to high-interest payday loans, a fast solution that reduces financial stress.

• Health Insurance or Wellness Allowances

These benefits help mitigate unexpected expenses.

• Mental Health Programs

Financial issues often tie directly to psychological stress, so mental wellness initiatives are crucial.

3. Foster Open Communication and Empathy

HR needs to be a trusted partner:

• Create safe spaces for employees to discuss financial concerns.
• Conduct regular surveys to gain a deeper understanding of employees’ needs.
• Ensure company policies stay relevant to employees’ real-life situations.

A Real-Life Example: VENTENY and Earned Wage Access

One practical example is the VENTENY Employee Super App, which includes an Earned Wage Access feature. This allows employees to withdraw part of their earned salary ahead of payday, without interest or fees. The benefits are significant:

• Employees feel more secure handling emergencies.
• The risk of turning to high-interest loans decreases.
• Productivity remains steady because employees are less burdened by financial stress.

Conclusion

Gen Z’s financial struggles are not just about how much they earn. HR plays a significant role in creating a workplace that supports employees’ financial well-being.

Help Gen Z feel financially secure, and they’ll be able to deliver their best performance.

The VENTENY Employee Super App is a clear example of a solution that helps employees manage their finances more effectively, avoiding high-interest debt traps.

So, when Gen Z shouts, “My wallet’s in crisis!” HR can confidently answer: “Don’t worry, we’ve got a solution.”

The post Gen Z Facing Financial Crunch? HR Has the Solution first appeared on VENTENY.

If you’re currently running a business or planning to start one, ask yourself: “Have I ever made these mistakes?”

Let’s dive into five common mistakes that can secretly drain your business so that you can stay vigilant.

Why Business Owners Should Beware of Small Mistakes

In business, small details often determine whether a company survives or folds. Minor mistakes may not show immediate impact, but they’re like tiny wounds that can eventually become significant problems.

The longer these mistakes go unaddressed, the higher the cost to fix them. That’s why regular reflection and evaluation are crucial even for businesses that seem to be doing just fine.

1. Mixing Personal and Business Finances

This is one of the most classic mistakes many entrepreneurs make, especially in small and medium-sized businesses. All the money is deposited into a single account, then used for both business and personal expenses without clear records.

The consequences:

• Chaotic cash flow
• Difficulty knowing whether the business is truly making a profit or running at a loss
• Poor decision-making due to inaccurate financial insights

Tip: Open a separate business bank account, regardless of your business’s size. This keeps your business finances transparent and helps you monitor your business’s financial health more accurately.

2. Not Conducting Regular Market Research

Many business owners become overconfident in products that have been selling for years. However, markets change constantly. Consumer preferences, trends, and even buying behaviors can shift drastically in a short time.

If you skip market research, you risk:

• Offering products that are no longer relevant
• Losing customers who move on to newer trends
• Falling behind competitors who stay up to date

Tip: Set time aside regularly, such as every quarter, to review industry trends, survey your customers, or check in on what your competitors are doing.

3. Resisting Innovation

Some business owners believe that “the old way is good enough.” Unfortunately, staying stagnant in business is dangerous. The business world moves fast. New competitors can emerge with fresh ideas that quickly capture the market.

The risks of resisting innovation:

• Your products lose appeal compared to competitors
• Your business appears outdated
• Long-time customers gradually leave

Tip: Innovation doesn’t always mean massive changes. Start small, such as updating your product packaging, introducing new services, or experimenting with digital marketing platforms.

4. Neglecting to Offer Attractive Employee Benefits

Many business owners focus only on basic salaries, but modern employees want more than just a paycheck. They seek workplaces that support both physical and mental well-being.

If your company doesn’t offer appealing benefits, the consequences could be severe:

• Employees may leave for companies offering better perks
• Higher recruitment and training costs due to frequent turnover
• Declining productivity as employees feel undervalued

Tip: Start exploring benefits such as health insurance, personal development training, flexible work arrangements, or access to wellness programs like Earned Wage Access (EWA), which allows employees to withdraw part of their salary early in emergencies.

5. Poor Cash Flow Management

Many entrepreneurs focus too much on increasing revenue but overlook the importance of controlling spending. As a result, the business may appear busy with transactions, but it is losing money.

Signs of cash flow trouble:

• Constantly wondering where the money went
• Difficulty paying bills on time
• No emergency funds for unexpected needs

Tip: Regularly create a cash flow statement. Even a simple record helps you see where your money goes, making it easier to make informed decisions.

Conclusion

Business mistakes often aren’t significant, visible problems but rather small habits that slip under the radar. Left unaddressed, these issues can become time bombs that silently erode your business.

The key to business success isn’t just about your products or marketing; it’s also about wise management, from finances to caring for your employees.

So, regularly evaluate how you run your business, avoid these five mistakes, and ensure your company stays healthy and continues to grow. After all, a successful business isn’t just a big one, but it’s a well-managed one.

The post 5 Business Mistakes That Silently Eat Away at Your Company first appeared on VENTENY.

That’s why managing household finances is so crucial. It’s not just about meeting daily needs, but also about living with greater peace of mind, free from financial drama that can cause headaches.

So, what practical steps can you take to keep your household finances more stable and well-managed?

Why Manage Household Finances?

Managing household finances isn’t simply about whether you have enough money. It’s about ensuring all your family’s needs are met without constantly falling into a cycle of debt. With proper financial management, you can:

• Avoid unnecessary debt.
• Save for the future, like your children’s education or retirement.
• Maintain harmony in your marriage, since financial issues are often a major source of conflict.
• Plan enjoyable things, such as vacations or buying dream items, without guilt.

5 Practical Tips for Managing Household Finances

Here are some practical strategies you can start applying right away:

1. Create a Monthly Budget

Start by tracking all your income and expenses. Record your salary, bonuses, and any additional income. Then, categorize your expenses into two groups: needs and wants.

Use a financial app, a simple spreadsheet, or even a notebook to record your budget. This way, you’ll know exactly where your money goes each month and can spot hidden leaks in your spending.

2. Differentiate Needs from Wants

This is a common trap. Sometimes, we convince ourselves we “need” something when it’s just a want, such as eating lunch out every day or buying the latest gadget.

• Needs: daily meals, electricity, water, children’s school fees, and mortgage payments.
• Wants: buying clothes just because they’re on sale, trendy coffee drinks, home décor that’s not urgent.

Learning to distinguish between the two will help keep your finances healthier.

3. Save Money Right Away

When your salary arrives, save a portion before spending on anything else. This principle is often referred to as “pay yourself first.” Consistent saving will yield significant results over time, even if it’s only 10% of your income.

These savings can be allocated toward emergency funds, children’s education, or other long-term goals.

4. Curb Impulse Spending

Big discounts can be tempting. Online shopping makes buying anything with just a few clicks even easier. To avoid impulsive spending:

• Make a shopping list before heading to the supermarket or mall.
• Apply a 24-hour rule before making a purchase of expensive items.
• Limit your time browsing e-commerce sites to when you genuinely need to make a purchase.

These habits will help you save money without feeling deprived.

5. Involve Your Partner and Family

Household financial management shouldn’t fall on just one person. Discuss finances with your partner, including spending priorities and long-term goals.

Children can start learning about money management, for example, by receiving weekly allowances and being encouraged to save.

The more transparent your household is about finances, the less likely misunderstandings or conflicts will arise over money.

Conclusion

Managing household finances takes commitment and patience. However, trust that the outcome will bring you much more peace of mind. The key is discipline and teamwork among all family members.

Small steps you take today, such as tracking expenses or resisting impulse purchases, will go a long way toward maintaining stable finances in the future.

If you’d like to manage your family finances even more wisely, don’t hesitate to leverage modern tools. One example is the Earned Wage Access (EWA) feature from the VENTENY Employee Super App, which enables employees to access a portion of their salary in advance during emergencies without resorting to costly online loans.

So, let’s start managing your household finances more wisely. With stable finances comes a sense of peace of mind.

The post Want Stable Household Finances? Here Are 5 Ways first appeared on VENTENY.

Yet, many parents still wonder: “When should I start? How can I save without it feeling like a burden?” The good news is, it’s never too late to begin. The earlier you start, the lighter the financial load will be.

Let’s explore why saving for your child matters and discover five practical ways to start!

Why Start Saving Early for Your Child?

Saving for your child isn’t just about covering school fees or university tuition. More than that, it’s a financial foundation that protects your child’s future against unforeseen risks.

• Anticipate rising education costs: School and university fees continue to increase annually. Having savings helps cushion the impact of sudden cost spikes.
• Teach kids financial values: Children who see their parents saving consistently learn financial discipline early. It’s a long-term investment in good habits.
• Small savings, big impact: Regularly setting aside small amounts can grow into substantial sums over time. Consistency is the key.

5 Effective Ways to Start Saving for Your Child

1. Define Your Saving Goals

Start by identifying your purpose. Are you saving for school fees, university tuition, future business capital, or an emergency fund?

With clear goals and targets, determining how much you need to save each month becomes much easier.

2. Set Aside Money from Regular Income

Many parents struggle to save because they wait to see what’s “left over” at the end of the month. But the principle is simple: pay yourself first.

Set aside a portion for your child’s savings when your salary comes in. This ensures you’re not tempted to dip into those funds for other expenses.

3. Use Dedicated Child Savings Products

Today, many banks offer child-specific savings accounts with low initial deposits and zero admin fees.

Besides being secure, opening a savings account under your child’s name is a great educational tool. Bring your child to the bank and show them the process—it makes them proud to have their account!

4. Consider Long-Term Investments

Apart from traditional savings, parents can explore long-term investment instruments, such as:

• Mutual Funds
• Gold
• Fixed Deposits

Investments may offer higher potential returns than regular savings. However, it’s crucial to understand the risks of each product before making a decision.

5. Involve Your Child

This step is often overlooked. Get your child involved!

• Take them along when you visit the bank.
• Set up a piggy bank at home for shared savings.
• Explain how saving today benefits them in the future.

This helps children learn about responsibility, patience, and the importance of managing their finances.

Tips to Stay Consistent

• Start with small amounts; it doesn’t have to be a big amount. What matters is consistency.
• Set up auto-debit to avoid forgetting to make a payment.
• Check your progress every few months. Watching the savings grow keeps motivation high!

Flexible Wage Access from VENTENY

Sometimes, finances can get tight, especially as payday approaches. Don’t let this disrupt your child’s savings plan.

VENTENY offers a smart solution through Earned Wage Access (EWA)—a feature that allows you to withdraw a portion of your earned salary before payday. It’s a lifesaver when you need urgent funds, without touching the savings you’ve carefully set aside for your child’s future.

With flexible wage access, you can keep your cash flow healthy while staying on track with your child’s savings plan.

Conclusion: Children’s Savings, Tomorrow’s Investment

Saving for your child isn’t just about money; it’s about peace of mind, providing the best opportunities, and securing a bright future.

Start today, no matter how small the amount. Because small, consistent steps can create a significant impact down the road. And if you ever need a smart way to maintain your cash flow, remember to check out VENTENY’s EWA feature to keep your child’s savings mission running smoothly!

The post Start Saving for Your Child? Check Out These 5 Effective Tips! first appeared on VENTENY.

The good news is that more funding options are now available than ever. From government programs and traditional financial institutions to new, tech-driven alternatives, MSMEs have plenty of choices to consider.

Here are five business loan options worth exploring:

1. Traditional Bank Loans

This is the most common option. Many banks offer business loans for MSMEs with relatively stable interest rates. However, the requirements can be quite strict. You’ll usually need proper bookkeeping, collateral, and a solid credit history.

Best for: Established MSMEs looking to scale up.

2. People’s Business Credit (KUR)

This program, supported by the Indonesian government and distributed through designated banks, offers loans with significantly lower interest rates and, in many cases, without requiring collateral for smaller amounts.

Best for: Growing MSMEs that don’t yet have substantial assets.

3. Fintech or P2P Lending

If you need quick funding with less hassle, fintech platforms can be a great alternative. The process is entirely digital, and the requirements are more flexible. However, interest rates may be higher than those from formal financial institutions, so compare.

Best for: Business owners without access to conventional banks.

4. Venture Capital or Private Investors

If your business has high growth potential, attracting investors might be wise. You’ll gain not just capital, but also access to networks and mentorship. The trade-off? You’ll need to share some ownership of your business.

Best for: Startups or innovative ventures seeking substantial funding.

5. Micro Financing by VENTENY

Traditional banks don’t always cater to early-stage micro businesses. That’s where VENTENY steps in, offering microfinancing as a funding solution tailored for micro-entrepreneurs with limited track records or assets.

VENTENY believes that small businesses hold big potential if given fair access. With a more flexible and barrier-free approach, VENTENY’s Micro Financing helps micro-enterprises grow stronger and more sustainable.

Best for: Micro businesses that struggle to qualify for bank loans.

Tips for Choosing the Right Loan

Before applying for any business loan, make sure to:

• Calculate how much funding you need.
• Understand your business’s ability to repay in installments.
• Read the terms and conditions thoroughly.
• Verify the legitimacy of the lender.

Capital is essential, but choosing the wrong type of loan can set you back.

Conclusion: Small Business, Big Potential

Securing capital is no longer an impossible dream. When you understand your needs and financial capacity, a funding solution exists.

If you’re a microentrepreneur struggling to access bank financing, consider Microfinancing by VENTENY, a solution designed to help small businesses thrive.

Because every big business once started small. What matters most is that you keep moving forward.

The post 5 Business Loan Options Suitable for MSMEs first appeared on VENTENY.

It’s time to upgrade your workspace with a device that supports long-term comfort. Let’s check out some top mouse recommendations for your next desk essential!

What Makes an Ideal Office Mouse?

Before choosing a mouse, identify your needs. An office mouse differs from a gaming or design mouse. Here are some key features to look for:

• Ergonomic design: Reduces the risk of muscle strain and long-term injuries
• Responsiveness and precision: Ensures smooth cursor movement for multitasking
• Wireless vs. wired: Wireless offers mobility; wired gives stable performance and no battery concerns
• Size and shape: Should fit your hand and desk space comfortably
• Extra features: Additional buttons, fast scrolling, or silent clicks can improve workflow

5 Recommended Office Mice to Try

Here are some mice that can help you work more comfortably, stay focused, and be more efficient:

1. Logitech MX Master 3

This is a premium mouse for professionals. It features an ergonomic design, ultra-fast scroll wheel, support for up to 3 devices, and customizable buttons. It is perfect for multitaskers and those using heavy software.

2. Microsoft Bluetooth Ergonomic Mouse

It has a clean, modern design and a comfortable grip. It offers a stable Bluetooth connection, long battery life, and a lightweight feel, making it great for all-day use without hand fatigue.

3. Razer Pro Click Mini

It is small in size but high in performance. Silent clicks make it ideal for quiet environments like libraries or coworking spaces. It connects to multiple devices and is very portable, which is great for hybrid work.

4. Logitech M350 Pebble

It is minimalist and stylish, available in soft colors. Its nearly silent click makes it perfect for online meetings or open office spaces.

5. HP X3000 Wireless Mouse

This is a budget-friendly yet functional option. It has a simple design and a comfortable grip and is ideal for daily office use. It is highly recommended for those wanting performance on a budget.

Mouse Care Tips for Longevity and Comfort

• Regularly clean the mouse surface and the bottom sensor
• Use a mousepad for better precision and to protect the sensor
• Store it in a dry place to avoid moisture damage
• Replace batteries on time (for wireless models) to avoid sudden shutdowns

Final Thoughts: A Good Mouse Boosts Productivity

A mouse may seem small but it significantly affects your comfort and productivity. Investing in the right device helps you work more efficiently, stay focused, and avoid physical discomfort like soreness or numbness.

For companies, providing ergonomic work tools is a tangible way to show care for employee well-being. A comfortable workspace often leads to better morale and motivation!

Looking to create a more supportive and productive work environment? VENTENY is here to help with the VENTENY Employee Super App, which offers features that enhance employee wellness and performance, from training and financial access to well-being programs. It’s time to upgrade your mouse and your entire work experience!

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