Tugas 1 Bahasa Inggris Niaga

Nama : ALDI SAPUTRA
NIM : 052530532
Semester : 1(Satu)Ganjil 2024/2025
Program Studi : S-1 Adminisrasi Bisnis
Matakuliah : Bahasa Inggris Niaga
Kelas : 519
UNIVERSITAS TERBUKA
Jalan Pondok Cabe Raya, Pondok Cabe Udik, Kecamatan Ciputat,
Kota Tangerang Selatan, Banten 15418
TUGAS 1
Question :
Select one of the topics below and write an original essay consisting of three well-
structured paragraphs. Your essay should reflect your understanding and perspective
on the topic. Support your arguments with relevant examples and references, but make
sure your response is in your own words and not a direct copy from any sources.
1. Banking and Business Loans:

Imagine you are an entrepreneur looking to expand your retail business. You
need to secure a significant loan to finance this new venture. Considering various
types of banks and their offerings, which one would you choose, and why? In
your response, consider factors such as interest rates, customer service, and the
range of financial products available. Reflect on how these factors align with your
business needs and long-term goals.
2. Price Elasticity of Demand:
Price elasticity of demand indicates how sensitive the quantity demanded of a
good or service is to a change in its price. What are the potential risks for a
company if it sets its product price too high? Analyze how such a decision could
affect demand, sales, and the overall performance of the business. Use your
understanding of economic principles to explain the potential consequences and
provide real or hypothetical examples.
3. Demographics and Market Strategy:
Businesses often use demographic analysis to understand the characteristics of
their target market, such as age, income, education level, and family structure.
How can companies leverage demographic data to design effective marketing
strategies and enhance customer engagement? Discuss the importance of
tailoring marketing efforts to specific demographic segments and provide
examples to illustrate your points. How can these strategies help a business
succeed in a competitive market?
Answer:
I chose the topic of Banking and Business Loans.
Banking and Business Loans

Banking and Business Loans As an entrepreneur planning to expand a retail
business, choosing the right bank to get a loan is crucial. When considering
different types of banks, I would be more likely to choose a bank that offers
competitive and flexible interest rates. Lower interest rates will reduce the
burden of borrowing costs, allowing more budget allocation for business
development, such as inventory purchases and increased marketing. Additionally,
banks that offer fixed interest rate options will provide certainty in long-term
financial planning, avoiding the negative impact of falling interest rates in the
future.
Customer service is also an important factor in choosing a bank. In the loan
application process, I will look for a bank that provides responsive support and
guidance. Good interactions with bank officers can simplify the application
process and provide access to the information needed to make informed
decisions. For example, a bank that has a dedicated advisory team for small
businesses can help me understand which products best suit my needs and
expansion goals. Good customer service can also help build long-term, mutually
beneficial relationships, which are important for future financial needs.
Lastly, the variety of financial products offered by the bank must also be
considered. Banks that offer a variety of options, such as working capital loans,
credit revolving, and leasing facilities, will give me a head start in managing my
finances. With a variety of products, I can tailor my funding strategy to my specific
business needs. Additionally, having access to other products, such as insurance
or investment services, can provide additional benefits and support the overall
growth of my business. By considering interest rates, customer service, and
product diversity, I can choose the most appropriate bank to support my retail
expansion in an effective and sustainable way.
Reference Sources:
BMP ABDI4201

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1. Banking and Business Loans:

Banking and Business Loans

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