This word then developing the analytical model that includes various categories of workers, which those categories are based on the production capability of each individual. The model was developed based on the economic assumption in a perfect competitive market condition, where there are many companies and each company has two factors of production which are labor and capital.

All individuals are living for two periods, working during the first period and retired from the second period. Each individual is saving the income which is earned from the first period, and the savings including interest, financing their consumption on the second period.

During each period, both young people and old people are still alive and the rate of population growth is equal to zero. Based on the model development, this word is getting these following things: Supply and Demand of the Capital.

In every generation, the young entrepreneur has no capital and must borrow to the needs of their new company. The younger generation borrows from the older generation of the capital that equals to the value of depreciated capital from the previous generation plus all the savings from the previous generation.

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Thus, there is a new product called unit-linked. Unit-linked is an insurance product plus investment or could also be considered an investment plus insurance. The substance that contained in the unit link is already exists in the dual-purpose insurance product can be called as endowment. Although has the same substance, unit-linked and endowment are somewhat different. In unit link, basically someone who owns money placed his money for two different things, which are insurance and investments. In other word, the unit link is not a single entity product / unbundling.

More than that, someone who owns money can determine the amount of money that he is going to invested for the investment and also for his life. Also in the unit-link product, the insurance companies are no longer bears the investment risk but you as the insured must bear the losses if occurred.

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Other business partner which is more neutral is a bank or other financial institutions, especially if the capital becomes the main issue. A loan to the bank was considered more secure because the bank can help us to see whether our business will be having obstacles. A good bank is obliged to inspect and check the feasibility study that we propose. Rejection from the bank with a reason? Not feasible? It can be a good feedback, especially if we can discuss with the loan section about any elements that want to be assessed? not feasible?. The bank can also help us to monitor the business activities each year and if there is trouble in the company, the bank will consider not continuing the loan. This is a warning and a control that can relieve us to settle immediately.

Entrepreneurs who force the bank to give loans without a feasibility study that is objective and true often causes more severe problems. Collaterals were seized, the company was not running, and losing the hope to make dreams come true. A situation like this is very common, whether in a small-scale or national scale.

Loans are often violating the normal calculation which should be applied by the bank so that when the economic situation does not support, micro and macro economy were also going down.

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