Hackers are very fond of this one crime, why? Because if just hack or deface a website (change the display / website links) is something that it is pointless. And this could be the detection and perpetrators can be easily arrested if he entered the sites, which have a tracker (tracking programs ip / links) or LOG FILE (a file that records user activity / ip go to the website). If carding they can be free without a trace, and also sometimes after getting the data, they spread among hackers so difficult to track the first person to steal credit card data. Genesis recently the Indonesian terrorist Internet sites also in the register of the carding.

There are several methods used by hackers in stealing credit cards, among others:

1. Packet sniffer, it is the fastest way to get any data. The concept of work they put enough program that can view or create a logging file from data sent by e-commerce website (online sales) that they seek. Generally, they target the websites that are not equipped with security encryption or sites that do not have good security.

2. Creating a program spyware, trojans, worms and the like which functions as a keylogger (keyboard loggers, program record keyboard activity) and this program is distributed by E-mail Spamming (put the file in the attachment), mirc (chat), messenger (Yahoo, MSN ), or specific sites with the icon or the lure of an attractive netter to download and open the file. This program will record all activity on your computer into a file, and will send it to an email hacker. Sometimes these programs can be run directly when you get into that in a hacker site or porn site.

3. Create a phishing site, which looks the same or similar sites such as the original site. example in Indonesia when the site click bca (http://www.klikbca.com), have experienced the same thing. the site looks the same as KlikBCA but made some different address as http://www.clikbca.com, http://www.kikbca.com, etc, so if the wrong type netter, will stray into those sites. Fortunately people who make these sites he did not mean evil. Now if a hacker who created carding sites, get ready for your credit card would burst its banks.

4. Hacking into the e-commerce site is directly and stole all the data of its customers. This method is rather difficult and needs to be an expert hacker or hackers who have the experience to do so. In general they use injection methods (include the script that can be run by the site / server) for a site that has a firewall. There are several ways injection among other commonly used html-injection and SQL injection. For sites that have no security or firewall, it’s dangerous.

There are several ways again by hackers, but the ways above are the most common ways hackers to carding. Ways that are not public will be explained later in another time. Crime does not just happen because there is intention of the perpetrator, but because of the opportunity, beware … beware …

1. consistent to be a good person
2. Acquainted with many of those banks
3. Introduce your business or business lead
4. Maintain relationships with relevant colleagues
5. Continue to develop a business or business that is being undertaken
6. Property savings banks use collateral for loans
7. Keep your business transactions using the banking
8. Asking a lot of credit to banks
9. Use of capital loan funds you earn with heart heart.

To evaluate these factors, the lender will ask you to complete loan applications and provide some information and documentation. Although the details-the details will differ from each lender to another lender, you may need to give some or all of the following:

Details of loan application:

v Why do you want a loan
v How big is the required loan
v How the money will be used
v The amount of time required to repay the loan
v Debt other business whatever your responsibility

Business plan
This includes business overview, description of products and services, marketing projections (and how you plan to achieve goals), summary of the principles of doing business, and financial projections.

Legal Documents
Business licensing, incorporation documents, patents, commercial leases, franchise agreements, or other legal binding documents that relate to your business.

The financial statements
Income statements and debt accounts for businesses and the running.

Tax Returns
Both personal and business tax returns from past three years may be required.

Credit Reports
Creditors also need a good credit report for business (if already established) and personal credit reports for (its) owner.

Guarantee
Collateral is something valuable that can be used to repay the loan if the company fails to repay the loan. Something precious will be sold by the lender if the company can not pay off the loan. It might be inventory, equipment, bank accounts, or even a place to live
You.

By collecting all information and documents above before you make an approach to creditors, you will be helped to get loans more quickly. It also will help you get a clearer view about the needs of your business and the company’s ability to repay the loan.

The signing was done at the Ronald Reagan Building, Washington DC, USA. Among those attending the event which Dodd, Frank, Chief Executive Officer Vikram Pandit of Citigroup Inc. and Barclays Plc President Robert Diamond.

According to Obama, the bill will help move the innovation. Every person is guaranteed to follow the same rules in the financial sector so that the number of companies compete based on price and quality, not by tricks or traps.

With the enactment of Law on financial sector reform, the struggle in parliament last year passed a regulation to mendraft and it was over. This law was issued following the global financial crisis in 2008 which makes collapse of Lehman Brothers Holdings Inc. and shook Wall Street and the U.S. economy.

Dodd-Frank Wall Street Reform gave the government new authority to issue financial companies failed to potentially compromise the entire system. New rules on derivatives markets will also be applied, and consumer protection bureau at the Federal Reserve central bank will also be established to monitor the home loan to a credit card.

According to Obama, this Act will provide the strongest consumer protection throughout U.S. history through a special clause in the Consumer Protection Act. He promised to end the bail-out of financial firms.

Bloomberg reported the Treasury and other U.S. officials now began to draw up detailed rules as a framework for the enforcement of Dodd-Frank Wall Street Reform. The process is expected to take one year.

Democratic Party estimates that the Act and the opposition Republican Party of this Act will create a central issue during the election campaign in November. Among analysts from both parties predicted the Democratic-party-certain Obama would not lose seats in Congress.

“The situation we describe later is ‘your side who?’” Said the representative of New Jersey senator, Robert Menendez, who is also Chairperson Senate Democratic Campaign Committee. Republican Senate candidate in Arkansas, Illinois, Iowa, Louisiana, Missouri and North Carolina have rejected the Bill on financial sector reform in the Congress or Senate.

“Law is just a waste of time and money, will not strengthen our capital markets and will not create jobs unless the government alone,” said Chief Executive U.S. Chamber of Commerce Tom Donohue, in a written statement.

In a Bloomberg poll this month, four out of five surveyed said the U.S. population has little or no confidence the law on financial sector reforms will prevent future crises.

More than 75% of participants declared the poll did not have much or no confidence that the law will create savings and their financial assets more secure. Approximately 47% of them think the Act will better protect the financial industry rather than consumers. (Er) Enjoy easy access to the newspaper Bisnis Indonesia in various formats simply by registering to become a member, FREE!

But, that does not mean you can not develop the business just because they can not get loans from banks. Still there are many ways to try.

1. Find a new investor
   Your garage is now a joint venture between you and your colleagues and all the capital has been used to prepare the operational workshop. But unfortunately, the remitted capital is still less because there are still some additional tools that have not been bought. Because of capital actually still less, I think the more you need the loan but not the additional capital. If you and your colleagues today can no longer raise capital, why not one more person looking for a partner who could deposit the capital required by this business. Sure, to increase investor may be difficult psychologically for business ownership will automatically be reduced because any need to share with others. But, from the failure does not operate at all still better not to share ownership of the business but you can walk.
2. Loans from individuals
   Do not stare at the bank to get a loan, sometimes it easier and cheaper to obtain loans from private individuals. Especially the people closest to you and believe with confidence and your performance to run the business.
3. Loans from non-bank financial institutions
   If banks can not, and individuals were somewhat difficult, there are financial institutions other than banks. For example, credit cooperatives, or institutions that could provide loan financing for working capital. The requirements could be easier, with the compensation amount of capital being poured smaller larger ceiling and also the interest.

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