Seringkali kita mendengar promosi dari bank maupun lembaga multifinance yang berbunyi “cicilan 1 tahun dengan bunga 0%”, atau yang sejenisnya. Selama ini, yang kita tahu, lembaga keuangan memperoleh penghasilan dari bunga yang dibebankan kepada konsumen. Nah, bagaimana mereka dapat mempromosikan suatu produk tanpa bunga? Apakah mereka memang memutuskan untuk tidak memperoleh keuntungan dari promosi tersebut untuk membentuk brand image ?

Berdasarkan pengalaman saya, saya akan mencoba menerangkan salah satu alternatif untuk menelurkan bentuk promosi tersebut. Dalam suatu transaksi kredit, terdapat tiga pihak yang berkepentingan, yaitu penjual, pembeli/debitor, dan kreditor. Promosi bunga 0% merupakan bentuk kerjasama antara penjual dengan kreditor untuk menciptakan suatu produk yang menarik, sehingga dapat merangsang pembelian dari produk tersebut dan menghasilkan keuntungan bagi penjual maupun kreditor. Bagaimana caranya mereka bekerjasama?

Misalkan harga barang Rp 1 juta, dan tingkat bunga kreditor 5% flat selama 1 tahun, maka bunga yang diharapkan menjadi penghasilan kreditor adalah sebesar Rp 5 juta / tahun. Dalam suatu kerjasama, penjual memberikan subsidi dan membayar seluruh/sebagian jumlah bunga tersebut kepada kreditor. Jumlah subsidi yang dibayarkan akan tergantung dari banyak faktor (margin keuntungan penjual, popularitas barang, dan lain-lain). Jadi, penjual dan kreditor melakukan tanggung renteng untuk porsi bunga tersebut. Sesederhana itu !!

Cara kerjasama tersebut juga berlaku untuk promosi-promosi kartu kredit di gerai-gerai tertentu (kebanyakan gerai makanan). Khusus untuk promosi kartu kredit, biasanya penjual tidak menanggung subsidi bunga sepenuhnya, namun prosi subsidi dibagi dua antara penjual dan kreditor.

If you enjoyed this post, make sure you subscribe to my RSS feed!

One Million EC contest, one of the the biggest Entrecard contest just started a while ago. As one of the sponsor, I have to attach the list of all sponsor in my posting every month.

So, here is the list. Just enjoy the game to everybody who participate in this contest, both sponsors and participants.

25 $ cash prize from

1. Business Sphere – Business Advice, Entrepreneurship, Consulting, Real Estate

20 $ cash prize from

1. My Financial Corner

15 $ cash prize from

1. A Little Boy’s blog
2. Too little time to blog

10 $ cash prize from

1. One World Realty Philippines
2. PF ♥ Org

5 $ cash prize from

1. atenean101 @ Blogspot
2. English Short Story
3. Make or Break
4. Thoughts and Obsessions
5. Just About Anything
6. MyOnlineContest
7. Pinay Mommy Online

25.000 EC

1. EzGreatLife – Family, Fitness and Finances

20.000 EC

1. Work At Home
2. A Little Boy’s blog

15.000 EC

1. lunaticg banknote & coin
2. The Fitness Diva
   

10.000 EC

1. Business Sphere – Business Advice, Entrepreneurship, Consulting, Real Estate
2. Too little time to blog
3. Frugality is the new reality
4. Blogging Tips to promote your blog and make money blogging
5. Your daily photo depot
6. Pinay Mom : Smartest Mom in Town
7. Stalking Minds
8. X O X. J A N E L L E .X O X
9. contest ♥ love
10. The Journey
    

7.000 EC

1. Simple Happy Life
2. Owning a Café

5.500 EC

1. Guilty Pleasures

5.000 EC

1. Girls Are Made of Sugar & Spice and Everything Nice
2. Everything Has A Reason
3. In This Life of Ours
4. In My Kitchen
5. My Vegetable Garden
6. ProductReviewsVonMir
7. atenean101 @ Blogspot
8. Wonderful Things In Life
9. Blog de Manila
10. Kaya Mo, Pinoy!
11. My Life and My Views
12. Vanillaseven.com
13. Stunned by Stone
    
14. Kamila the Camel

4.500 EC

1. OTHERSIDE of my LIFE

4.000 EC

1. After cancer, now what
2. Nishas world and baby Alisha
   

3.500 EC

1. So far, so good
2. Easy Buy & Sell
3. YANORZAH’s JOURNEY
4. vhingsFOTO album

3.000 EC

1. Blogging School
2. Yashiro
3. Just About Anything
4. Mara’s Personal Bubble
   

2.500 EC

1. Walk with me
2. Blog Godown
3. The fire in my life
4. Food Fads
   

2.000 EC

1. All about my life
2. My Life’s Adventure
3. Life’s Journey
4. THE JOY OF LIFE FOREVER
5. Quintessential Babble
   
6. Kutsara at Tinidor
7. Worth’s…Road
8. Blog Fusion
9. Make or Break
10. Subjective Soup
11. Communication Exchange
12. Seek No More
13. Freaky Frugalite
14. Mara’s Appetite
15. My Financial Corner
16. The Movie Mommy
17. Chika Buzz
    

1.500 EC

1. Make Money Online | Make Money Online Malaysia
2. Fishy Passion
3. Proud Mommy
4. My Online Journey
5. As Time Goes By…
6. One World Realty Philippines

1.001 EC

1. Time!

1.000 EC

1. Momgen Garage Store
2. My Crafts Store Online
3. Fida Abbott
4. Lovely Pink
5. My Daily Sunset
6. Dashing Beauty
7. kharlota dot Com
8. Live Love Pink
9. Hobby and Such by Carlota
10. Mixed Bag
11. iLUVcontest
12. AnotherContest
13. nameSherry
14. heartrandom.com
15. Shopping
16. the fledgling blogger – “Only love can work wonders.”
17. Womensselfesteem.com’s Blog
18. Gossip Mom
19. A Maiden’s Testimony
20. samantha’s own
21. In His Steps
22. Mommy’s Little Corner
23. Master and Student
24. LAINY’S MUSINGS
25. OUR JOURNEY TO FOREVER
26. THE CERTIFIED FASHIONABLE CHIC

500 EC

1. elai’s haven
2. Gift Reviews
3. Online Money Making
   

125 x 125 ad space (4 months until 31st December)

1. One World Realty Phillipines
2. Business Sphere – Business Advice, Entrepreneurship, Consulting, Real Estate

125 x 125 ad space (3 months)

1. The Fountain of Happiness
2. Free Famous Quotes

Text Link ad (3 months)

1. Better Interpersonal Communication

125 x 125 ad space (2 months)

1. Blog de Manila
2. Kaya Mo, Pinoy!
3. Pinay Mom : Smartest Mom in Town
4. Yashiro
5. Tinta at Papel
   
6. Just About Anything
7. Wish Happy Birthday For Free
   

Text link ad (2 months)

1. Work At Home (worth $ 50)

Text Link Ad (1 month)

1. After cancer, now what
2. Gossip Mom (5 text links!)

468 x 60 ad space (1 month)

1. The Nexus – Feed your brain

125 x 125 ad space (1 month)

1. Kamila the Camel
2. Herbways – Way with Herbs
3. 365 Bulgarian Adventures
4. Dosh for U – Extra Money Tips
5. Tips n Wrinkles – Save Money and the World
6. 50 50 Deals – Sensible Shopping
7. Bulgarian Slivatree – An Expatriate’s Eye in Bulgaria
8. Bad Luck
9. Yambol Daily Picture
10. Bulgarian Scrapbook
11. The Rakia Site
12. ThereisHappiness.com
13. twinshappiness.com
14. Also Mommy
15. TH’s corner
16. Blogging Tips to promote your blog and make money blogging
17. atenean101 @ Blogspot
18. Chizmosa Lounge
19. Wonderful Things In Life
20. My Life’s Adventure
21. Life’s Journey
22. THE JOY OF LIFE FOREVER
23. Momgen Garage Store
24. My Crafts Store Online
25. Vanillaseven.com
26. Fida Abbott
27. Blogging School
28. elai’s haven
29. Dashing Smiles
30. EzGreatLife
31. The fire in my life
32. iLUVcontest
33. AnotherContest
34. nameSherry
35. heartrandom.com
36. Shopping
37. Worth’s…Road
38. Blog Fusion
39. Nishas world and baby Alisha
40. the fledgling blogger – “Only love can work wonders.”
41. Make or Break
42. A Maiden’s Testimony
43. YANORZAH’s JOURNEY
44. vhingsFOTO album
45. OTHERSIDE of my LIFE
46. Just About Anything
47. samantha’s own
48. The Nexus – Feed your brain
49. LAINY’S MUSINGS
50. KUERDAS
51. The Bad Evan
52. A Woman’s Blog
53. Online Biz and Resources
54. Moolah Musings
55. I Luv Contests and More

Blogmakeover

1. Momgen Designs

Blog review (200 – 300 words)

1. atenean101 @ Blogspot
2. Make or Break

Customized Bloglayout (Blogger-Platform)

1. my Web-Blog Designs

DOMAIN (1 year)

1. LAINY’S MUSINGS

5 GB Hosting space (without domain)

1. angelic-melody.net

My own contribution (if someone beats my contribution, i have to top up ):
25.000 EC + 1 ad space Cornymans Moneypage
25.000 EC + 1 ad space Cornymans Blogreviews
25.000 EC + 1 ad space All about babies and kids
25.000 EC + 1 ad space The One Minute Guide

Tags: EC Contest

If you enjoyed this post, make sure you subscribe to my RSS feed!