I can't recall the precise time -but it was around the mid of 1990s, people started to ask me to share ideas on business and strategy. Among others, paper is one of the mediums.

Each paper carry one single topic. It could be a fact, idea, tip, or criticism about business and strategy. The intention of the paper is to provide a practical but strategic ideas about the discussed topic.

This book is the collection of those published papers. Certainly, it had been revisited and edited to ensure the adaptability to the current situation.

It is a pocket size book to ensure its carrying practicability.

This is the example:
"Market is mysterious. It is not a set of logics which can be understood in causality effect. It is common that buyers or customers don't know the exact reason to buy......So, what is the message? Utilize logics and all senses at the same time. If finally it feels good, launch the product. Because, like dating, a relationship or product could be successful or fail without logical explanation".

Each time the topic came to financing issues, the forum became full of questions. In many ways, it consistently pictured a clear profile: many of the SMEs faced difficulty to obtain loan from financial institutions. Amongst others, I believe that the limited knowledge of the SMEs on various aspects of credit/loan is one of the reasons. It was concluded from the questions asked or comments.

This situation keep on haunting me. Certainly, it was my honor and pleasure to entertain those questions in the forum. I even more than happy to consult them. But, how many SMEs can I assist in such way? Therefore, I decide to share my experiences and thought on this issue in a book. 

The book starts by describing in a very practical way various loan products and its relation to the business needs. Following that are technique used to determine the loan needed, collateral aspect of credit, documents to be prepared to submit a loan request and how to write a sound credit proposal.

Other topics discussed are how banks evaluate loan proposals and alternatives available if a loan turn to be problem. These topics provide an insight to the reader and answer frequently asked questions on credit.

The do's and the don'ts on managing relationship with banker close the book nicely.

From those with no or very little banking experiences, simply read the book chapter by chapter. As noted by the author, "it is like sitting in a boat and follow flow of the river, and the destination will be reached". For those who had have credit experiences, the book can be served as a references.