matahati

PRIMUM NON NOCERE

2009-01-07T20:15:00.001-08:00

When still a medical student first, easy way to do smth outstanding flat compared to a doctor, say, the engineers of civil engineering. This is taken flat in extreme cases when each 'failed' in their work. Civil engineering engineers who are responsible be caught in the rain to build bridges with cemoohan and bear the burden of suffering that bridge collapse not long after the project finished. At the other is a doctor who can not save the life of patients not long after he signed. Unlike the engineers who endure hardship before, the doctors still get thanks from the family and the companion taulan patients who have died. But, again, this is just a flat course.

Illustration above does not mean the absence of the charges against safety in the medical world. Even among medical professionals, always buzzed diktum of Hippocrates (about 460-377 BCE), which became the world's first medical principle, primum non nocere. The slogan of this latin can more or less defined as "What is important is not harmful" in every aspect, both socially and economically. In this case, the medical professionals are required to put the interests of patients above the interests of others. This principle is often disandingkan with the motto "Suprema Lex Aegroti Salus" which means the patient safety is the highest law. Interaction with medical professionals demanding customers trust and loyalty that can not be ditawar again. So it appears one slogan that relevant in this case the form of "Uberrima fides", which means loyalty above everything.

In diktum "Primum non nocere" are three implications of the one with the other into a mutual one chain that is not separated. First, that medical professionals must recognize the fact that they are able to do all sesuatunya better. That is, there is always a continuous space to do the repairs. The second level is to find ways, how improvements can be made. The latter, of course, accept responsibility for the task. Keyword in this case is quality control.

In the context of hospital services, for example, quality control processes are required to be involved customers. Model closed meeting that the process of putting customers in the dark do not know what time it is not anymore. Customers now no longer a patient is the Javanese "pasrah bongkokan" or "pejah gesang monggo kemawon," passively accept any course of treatment providers. The kritisnya customer orientation in view of them in the search for 'value'.

Value here is intended as a 'function' and the results of the examination or medical treatment along with supporting (medical output) and the service they received compared with the cost of which must be certified. All are subjective, based on the perception of each person. Can be expensive for someone cheaper means for the other.
Aspects of self-service refers to a complex process. Francis W. Body in the Journal of the American Medical Association stated that the relationship between medical professionals and their clients should form a personal aspect of the correct time, sympathy, and mutual understanding. Essential quality that should not be behind the concern is that humane. Concern that make customers feel be humane. Value is the parameters in selecting service providers, which dipersepsikan as providers of quality and in accordance with the customer's ability to pay for them.

Perceptions of quality is obtained based on information and experience they have. Information about how easy it is spread in the current climate of openness, such as this. Moreover, not in this era have a role that customers no longer single? Patients such as not only a role as the victim told conditions faced when meeting with a doctor. Patients have the right to get clear information related to what the significance. Customers must have clear information about the procedures that must be diikutinya so they can decide their own actions to be taken, according asasinya rights. When necessary, the customer is entitled to take another opinion as an alternative (second opinion).

Clarity is important information for customers in considering the ratio between the benefits and risks that will dihadapainya. Not infrequently, there is an error, infection, and risk terpaparnya occur because of medical professionals and customers there are problems with communication. Differences in language into one of the kendalanya, as part of the reluctance to proactive customer trends and some professionals who pursue the target. In fact, the patient is a fool because of illegal activities have become a medical professional duty to educate its customers are slowly but surely.

Customers are less and less involved to get enough information that tends to get less effective treatment. As a result of fewer customers to know what should be done to prevent the occurrence of problems such as the risk of occurrence of allergy, infection, injury or even death. So that if problems occur during this praktisinya who answerable. But often sistemlah that often make all this happen, including the culture of the organization. For that, pengkambinghitaman certainly not a wise action and does not complete the problems. More is needed redesigned the old system into the new system that better cultural organization with a more conducive.

Thus, the actual share of each party have a responsibility in supporting the safety of patients. Medical professionals will not be able to bear alone, and they are not in a position as holder of the single authority. No wonder now if this voice subscribers also have distinctive strengths in relation to the regulation, either through business associations and representatives in the legislative institutions as they are quite related to his interests. In addition to roles that have been mentioned above, customers also have a role as an agent in the dissemination of information from mouth to mouth (words of mouth) is effective. This last role becomes more strategic if it is associated with the strict regulation in the medical industry ad commercial.

To improve patient safety and in particular the quality of services in general, modernization of equipment is important, but that is not less important is to provide first-rate. The withdrawal of services provided to people who we love such as our own mothers. Among experts bioetika principles such as the service is known as the Papworth Principle. In this case, the authors have acronym MOTHER that this author has not been long noted in the National Seminar VII Hospital Perhimpunan Indonesia. MOTHER acronym made up of medical services (Medical services), dedication (Outstanding Dedication), taking the time (Time awareness), the humane treatment and full respect (Humanity treatment and respect), empathy, sympaty and understanding, and a reasonable price (Reasonable cost).

Value Retailing

2009-01-07T20:13:00.000-08:00

As one of the speakers in the 2005 Annual Retail Indonesian Networking Conference at the Grand Hyatt Hotel Ballroom recently to catch my aura of optimism retailers faces this country. Truly amazing. How do I not, this aura radiated exactly when the condition of the dollar does not benefit the national retail industry. Not if you consider the price of fuel melangitnya which, of course, beat-socket joints retail industry, especially the declining consumer purchasing power.

The decreasing purchasing power is the need to make retailers more clever read-berpandai desire and behavior of consumers in addition to other retailers anticipate the move. We know, of late more and more retailers implement a low cost strategy with the main form of a bid to provide the cheap price to consumers, retailers category that is often referred to as value retailers. With the strength of the assets, this category is the retailers compete challenging cheaper price.

Options faced in this war is serving a price or make a sharp diversification. Price war that ultimately benefit consumers, but does not want other retailers in general. Serve value retailers in the price war is not a simple matter. Without a fundamental change in the infrastructure that ensures excellence in supply chain and distribution, the plunge in the price war like kamikaze. A more flexible is the value proposition to consumers and provide a better experience in consumer spending as a justification why the price more expensive.

In the retail, entry point for the delivery of value to the customer include the identity of which is determined by the ability of retailers to provide a competitive differential advantage. Thus, the identity must be supported by the aesthetics, both visual and environmental conditions. Aesthetics does not leave a tip for the emotional experience of shopping is impressive.
The functional value is felt through the quality of customer service, support, technology, and interest rates. This is related to the fact that the retail world can not be separated from the lifestyle.

Customer Value
Speaking in a broader context, not only limited in the field of retail, customer value can be described as the preference of customers who felt the product characteristics, performance, and which meet what customers want.
In connection with the customer value, made in the implementation Value Chain Analysis to help companies identify potential sources and the competitive capability. Like running the race start is its customer needs, and the finish line is customer delight. To change the orientation of the product-focused to be customer-focused companies must meet the following three stages: the customer; deliver significant value and competitive; and create a culture of customer-centric.
To be able to provide competitive advantages, is not enough value in the functional but also emotional. So, what makes customers satisfied? To be first reviewed what the company expected to customers, the responsibility, quality, value and innovation of products and services, the overall quality of service / support, and serving the appropriate time.

What role in the life of customer loyalty? Most customers have a strong desire to build loyalty. They will return again and again if treated well and feel comfortable. Loyalty with customers want to reduce this risk by returning to the company because they believe they know what they will get.

To maintain and enhance customer value the key lies in the communication. Marketing campaign it is important to maintain the customer (customer Retention) and push up sales. Options are made based on customer perception of them. The stronger the customer, will be easier to influence their perception effectively.

Cantilever main achievement of value delivery is the prime man in the organization. Main principles in the delivery is to provide value added value at each stage in the flow of value in accordance with the promised value proposition and collect information and data for continuous improvement (continuous improvement) of the process. Expectations of the value delivery was reflected in the financial profit, profit growth, financial ratio, cash flow, and the ability meraup capital. In the future will be reflected in market position, potential growth, continuous improvement, and knowledge management.

Learning from Mark Zuckerberg

2009-01-07T20:09:00.000-08:00

Mark Elliot Zuckerberg is a young entrepreneur's first ranking of the world under the age of 30 years and is the latest technology golden child, who was born on 14 May 1984 in White Plains, New York's Jewish-American descent and grew up in Dobbs Ferry, New York.

Now living in Palo Alto, California. Ia adalah anak seorang dokter gigi dan sekolah di Ardsley High School dan kemudian di Philips Exeter Academy serta menjelang selesai direkrut oleh Microsoft dan AOL untuk meng-hacking- suatu proyek. In 2006, he received at Harvard University. At Harvard, as a computer programmers, they continue to create projects that the first "Coursmatch" which allows students to see a list of students in a class the same. Next project, which is the site Facemash.com rating Harvard specific image similar to Hot or Not. The site is online for four hours before Zuckerberg Internet access revoked by the administration office. Computer services department to bring before the Administrative Board of Harvard University, he was allegedly in violation of security rules and violate privacy rights and intellectual.

Zuckerberg launched Facebook's space asramanya Harvard on 15 February 2004 and assisted Harvardnya Andrew McCollum success at Harvard and 2 / 3 of the students become members in the first two sunday. Zuckerberg then decided to expand to other universities and assisted friend sekamarnya Dustin Moskovitz and Hughes Crish expand to Stanford University, Columbia University and Yale University, and other Ivy League colleges and universities in Boston. In early summer, diluncurka on Facebook has 55 universities.

At the end of October 2007, Microsoft purchased a 1.6% share price of $ 240 million, the estimated wealth Facebook reached $ 1.5 billion. Some analysts and investors, a small Facebook estimates that the value of the company is much lower than that diperkirakan.Pada 6 November 2007, Zuckerberg announced that social advertising system in a new event in New York Beacon and given a name that allows people to share information with friends based on Facebook browsing activity on other sites. EBay seller and join Fundango to sell their products through Facebook. They let friends know what they sell through the Facebook news feed as a list of products that dijualnya. On 1 December 2007, the credibility of the Facebook Beacon program tested more when made by The New York Times "basic allegations" against the lie to Mark Zuckerberg newspaper pullout and Coca-Cola with the same impression. On 5 December 2007, Zuckerberg wrote a blog news on Facebook Beacon to apologize and provide facilities for users to determine out of service ..

Currently, Facebook users have active more than 66 million and estimated sales pertahunnya reached $ 150 million. Zuckerberg is the origin of the United States who became rich in the relatively young age as successfully establish and develop a social network site Facebook with the help of friends Harvardnya Andrew McCollum and this time he served as founder and CEO of Facebook. Forbes billionaire termuda record as, on one's own and not because of inheritance, which was recorded in history. Kekayaannya ditaksir about one and a half billion U.S. dollars

Learning from the newspaper seller

2009-01-07T20:07:00.000-08:00

Motorcycle devotion of hard work always accompany the newspaper seller, and stopped in front of my home. "Klek" sound of standard bicycle motornya while Pak newspaper seller in the newspaper and then take our message as the newspaper added bonus. My family is always given to the newspaper, a message can be two, as many ads in stores that are berpromosi or companies that advertise on television. That surprises the first newspaper seller to my family. This is done, because my wife gave more than twice the price of a subscription so that it remains vibrant sell newspapers. He always delivers the newspaper to my home by placing a table in the front seat or in the future, the seller does not like other newspapers, and usually thrown korannya sometimes jump on the floor. It surprises me sometimes menyongsongnya to menghargainya, because he has been sacrificing a little time to submit to the newspaper.

Extraordinary service that is one strategy to create a newspaper seller seller newspapers be to provide customers with more time to its customers, about half a minute each customer, the time from when a motorcycle menstandarkan, then take the newspaper to run the customer's house to put on the table seats or customers. Customers are loyal newspaper seller was about 200 customers, so that adds time to provide about 1.5 hours per day than other newspaper seller. He was willing to work longer than competitors. This shows that the performance exceeded the tolerance zone customers and add value to the customers. Newspaper vendors are not only satisfy customers, but sometimes acted beyond customer satisfaction with surprising and fun customers. Surprise the newspaper seller to me is when a public holiday, suddenly came to my home simply provide the only newspaper that day, when I do not have newspaper subscriptions. With the sweet smile he greets and said "This korannya Pak." Salamnya my responsibility and I accept korannya while I say "Thank you Sir." Although this is small, but this is to make a large difference. We have learned from the newspaper seller in serving customers that change the customer simply be satisfied customers who have total satisfaction. Diriwayatkan from Abu Dzarr ra, he said: Saw the Prophet had said: Do not underestimate the good bit, although sikapmu with the sweet face of your brother.

Dr Dobb’s Journal

2009-01-07T20:04:00.000-08:00

Since 1976, Dr. Dobb’s has led the computer press in covering practical technology. Unlike many magazines and web sites that focus exclusively on a single platform, language, or even a single development tool, Dr. Dobb’s has 30 years of experience covering all languages, platforms, and tools. Our authors, like our readers, are professional software developers and architects who want to explore new technologies, argue over programming style, share tricks of the trade, and build world-class systems worldwide. www.ddj.com

The study's Entrepreneur Magan

2009-01-07T20:02:00.000-08:00

Magan is an ancient region that is mentioned in any posts ancient Sumerian people around 2300 BC as a source of copper and diorite for Mesopotamia. Sumerian people living in southern Mesopotamia, known as the early civilization in the world. Magan's location is not known exactly, but most of the events in arkelogi and Magan geology that is part of that is now Oman.

While some archeologists said that the place is an area known as Yemen Ma'in. Loss of business with the Indus, the copper from Magan and replaced copper from Cyprus. Business in general Magan done with before the king Ur Gutian of Ur. Once their business is stopped, Ur (Urnamu) rebuilding roads and business between the two nations at the 2100 BC. Ur is inhabited by The Kaldan and is the birth place of Prophet Abraham

The city ruins of Ur in Iraq
In the Sumerian texts that describe the cargo ship with 20 tons sailed Arabia and the Gulf to stop the Dilmun (Bahrain time) to capture fresh water before proceeding. In the text also said that the Magan is located in the south and Sumerian Dilmun, which is often visited by traders from the Indus Valley. Magan land has a high mountain range that contains the diorite and made mine. Diorite is a very hard rock that's hard to be chiselled, the Diorite in Mesit Ancient used to empower granite, ranging from refine, make up until the job is finished completely, so that diorite into something that is very important at that time.

Diorite

Diorite by the Sumerian, Babilonia and Assyiria used in the field of art, ranging used untukmembuat sculpture, flower vase and so forth.
Besides, also used to make the inscription, for example, the famous inscription is Hamurrabi law written on the pillars of the high level of 2 meters from the black diorite. Diorite has a high value in the early Empire Mesopotamia, Akkad's sargon, noted that the deorit is a goal of ekpedisi military. Although many found art with diorite, but better known as Diorite berstruktur stones used for the floor with a high resistance. The Inca and Mayan diorite to use the wall and beteng weapons. Meanwhile, during the mid-Islam diorite used in the building.

Statue of King Chephren Diorite

Flower vase from Ancient Egypt Diorite

Research conducted since 1970, has found a copper mine and more than 150 places copper smelting. Digging the Museum Tambang Germany has identified a number of seeds in the copper Magan period (2500-2000 BC) and the former mining and smelting copper in the third millennium which is located in the village Maysar in east-central Oman.

The Magan Bus Route

A heap batangan copper flake found in a small fireplace shows a form of copper sold. Oman business located on the route which is very important, because there is a port of Sohar and Muttrah, known by traders spices, textiles and oil. Around 300 BC, Oman is one of the richest countries in the world from the incense abundant at that time that the value is more expensive than gold. Currently, oil and incense replace tempaga as the main source of wealth Oman

Learning from Becoming Entrepreneur Entrepreneur Becak

2009-01-07T19:57:00.000-08:00

Bill Gates, after having created the MS-DOS, the operating system to make it give the name of the Windows products as well as home use window (window), which caused Bill Gates dreamed "A computer on every desk in every home, running Microsoft device." Bill Gates is only a role in putting the PC in the office and in homes around the world, but Bill Gates is able to give a name to see what is possible and the desire to change the name that only a dream and imagination into reality.

Jeff Bezos is the founder of Amazon.com, which was originally just a bookstore .. Why does he call the company Amazon?. Because "the river is the Amazon river in the world" said Jeff Bezos. What about the Nile river?. River Nile is a river terpanjang in the world, if compared to the Amazon River water volume is only an Amazon tributary. Amazon River to load 20% water of the world, the dream of Jeff Bezos company soon became the company 20% of the world market. Amazon.com the site E-Commernya in July 1995, starting from the bookstore and then extended to the compact disk (CD) and then to auction, and now thousands of different products and different vendors. In 1996, can sell 15.7 million dollars and jumped to 600 million dollars in 1998. Amazon.com reported on 1 November to 23 December 2002, consumers who order the world's 56 million items, and sales jumped to be 2.49 billion dollars. in 2008, so the best online stores to be year 2008 version of Yahoo magazine.

Similarly, Larry Page and Sergei Brain to give the company name with the name of Google, which in mathematics Googol means zero number 1 behind the number one hundred, so that means that the Google rank of 10 hundred, or huge. Google was founded in 1998 by Stanford University students, Larry Page and Sergey Brin. Google's name reflects the company's mission of organizing a number of information are widely available on the web. Technology Google's innovative search engine connects millions of people around the world with information every day. Currently, Google is a top web company web with a large global market, which is headquartered in Silicon Valley with the cantor branches spread in the United States, Europe and Asia. Google's targeted advertising program in the business with all the results that can be measured, in addition to improvement in the overall web experience of a company pengguna.juga

Giving the good name of the spot you we Chinese are also senada with a book entitled 'The Secret, "which states that" We can get what we want. " Nature of managing such a way so that we can obtain what we want. In religious language, the angel of the Lord through his way up, so that we can obtain what we want. He said: "seek to me, I will surely fulfill the permohonanmu" (Mukmin 60).

Tools Consumers Promotions

2008-11-17T05:25:00.000-08:00

Tools include consumer promotion samples, coupons, cash back offers, the package price, premium, gifts, rewards loyalty, free testing, insurance warranty products, promotions and related pemajangan and in the place of purchase. Instruments of trade promotion include samples, coupons, discounts, rewards and pemajangan advertising, free goods, cash incentives, and tools free ad.
Sample quote is free of products or services that can be sent from house to house, sent through the post, can be taken at the store, included in other products or displayed in the ad bidding. SunSilk Hair Fall gives a small sample of 2 packets that are included in the edition of Femina magazine, August 2007.

Sales Promotions

2008-11-17T05:22:00.000-08:00

Sales promotions include party kind of tool the short-coupons, premiums, contests, the purchase of insurance, which is planned to stimulate consumer market, trade and the wiraniaga. Sales promotion budget has been growing faster than ad budget in recent years this.

Direct Marketing Program

2008-11-17T05:17:00.000-08:00

Direct marketing is a marketing system that uses a direct channel to reach consumers and deliver goods and services to consumers through intermediaries without marketing. to generate responses and / or transactions that can be measured on a location. Direct channel includes direct mail (direct mail), catalogs, long-distance marketing, interactive TV, kiosks, Web site and moving equipment.
Direct marketing benefits include saving time and introduce consumers with a variety of options, can compare both through catalogs and online, can mengorder goods for himself and others for consumers and businesses can learn about products and services without having to meet with providing special time with wiraniaga.
Marketing includes direct mail delivery bidding, notification, pengingatan, or other matters to someone in a specific address. Based on the address selective marketing through direct mail to send thousands and sometimes millions of reach, leaflets, brochures, CDs, cassettes, diskettes to consumers per year.
Catalog marketing is done by sending a catalog full of merchandise, for example, a catalog for consumers and business to the catalog that are usually dlam form of mold or sometimes in the form of a CD, video or online.
Marketing distance (Telemarketing) is the use of the phone and call centers to attract potential consumers, sell to consumers who have been there and provides services to serve the order and answer questions. Marketing long-distance companies to help increase revenue, reduce sales costs and improve customer satisfaction. Companies use call centers to receive calls from consumers and its calls to prospective customers and consumers. Marketing includes sales remote distance, the coverage distance, the distance distance and technical support and services to consumers.
Marketing can be through direct response television and kiosks. The use of television for direct response marketing with direct response advertising, home shopping channels and interactive TV and Videotext. Kiosk is a small building or structure to house the strong sales, or units of information.
Interactive marketing is a direct marketing channel that works electronically. Internet marketing and provide consumers with a greater opportunity to interact and the more individual. Media advertising on the Internet, among other banner, spot leasing, sponsorship, interstetial, skyscraper, a large rectangle, the Universal Resource Locator (URL), chat room and e-mail.

Individuals Sales Program

2008-11-17T05:15:00.000-08:00

Sales of individuals (personal Selling) is the communication of personal charge of trying to inform consumers about a product and membujuknya to buy these products. Sales of individuals is a form of communication that is more appropriate, because the sales the company to ensure individuals in communicating with direct contact with prospective customers that special.
Goals from sales of various individuals is dependent on the role of communication in the integrated long-term prospective consumers find cover, to provide information to potential consumers, coax prospective customers to buy and maintain customer satisfaction through service after sales. To achieve these objectives wiraniaga not only skilled in selling, but also must understand the technical characteristics of the product.
Most companies use wiraniaga and many companies entrust their important role as the holder of the mixture of marketing. Wiraniaga cluster is very effective to achieve a certain target marketing. Entry based on a survey of the Frontier is a Top Brand in the insurance sector by relying on Java wiraniaga approximately 22 thousand people to Bumiputera insurance products are easy to obtain. Nevertheless, they need high cost. Management should give careful thought to plan and develop sources of sales personnel.
Pattern cluster wiraniaga requires decisions about targets, strategy, structure, size and benefits, shown in Figure 1:20. Targets include the search wiraniaga new buyers, sales and communication services, information collection, and allocation. Target sales will determine the type of wiraniaga needed to be recruited. Skills wiraniaga find new buyers with different skills wiraniaga to serve consumers who are already there. Bumiputera raise the sales target in the wiraniaganya around 32%, or approximately Rp. 4.5 trillion from the target in 2006 around Rp.3, 4 to 7 trillion with the regional office, the 46 branches of sharia in almost all major cities in Indonesia, the vision and skills to understand sharia products for wiraniaga in the branch is required.
Strategies are cluster wiraniaga mixture of problems and approach the most effective sales (single sales, sales teams and so forth). Wiraniaga strategy is to the right customer at the right time with the right way. After the type of sales approach is determined, then the company can choose wiraniaga directly or by contract.
Wiraniaga truss structure is a choice between the settings / organization by region, product, customer or a mix of these options, and determine the size and shape appropriate areas. Strategy cluster wiraniaga have impact on the structure of cluster wiraniaga. The structure of the region is used when a company sells a line of products in the industry with the end-user customers in many locations. While the structure of the product or market, if the company sells many products on many types of customers.
The size of cluster wiraniaga include estimates of the burden of work and the number of working hours and therefore the required number of wiraniaga. Wiraniaga cluster size is a function of the type used wiraniaga, the desired sales targets and interests of individuals in the sales programs that integrated marketing communications. Wiraniaga importance of the size of the cluster because the company must balance the cost of which was issued in the sales and income generated.
Wiraniaga cluster benefits also include the determination of the level of payment and payment components, such as salaries, commissions, bonuses, allowances and fees. Wiraniaga to attract high quality, the company must develop an attractive benefits package.

Basics of Small Business Insurance

2008-11-10T06:16:00.000-08:00

Adapted from content excerpted from the American Express ® OPEN Small Business Network

Quite difficult to determine what type of insurance you need for your small business. Various types of insurance have different names similar to the puzzle; state, city or district (county) may apply the insurance requirements of each, and many industries have a special insurance coverage for them.

Insurance is one of the responsibilities of small businesses the most ignored. Unavailability of insurance for your small business is a mistake because a disaster can close your company for ever, or at least sabotage all your assets.

The Insurance Information Institute (III) in the city of New York estimate that about 40 percent of small business owners simply did not have insurance, because many people are mistaken to believe that they can not afford to pay the insurance premium. Is that small business can not not need to have adequate insurance. Without insurance, should not you make your livelihood at risk. That is also why many land owners, suppliers, and the unity of all the other related to your business may require you have insurance.

If you have difficulty determining which type of insurance you need to have, check with the agents as follows:

* Office areas or cities
* Office of the local branch of the industry association
* State insurance office

Below is some type of insurance that is used by small businesses. Click on the type of insurance to obtain further details.

Insurance for Your Business

* Business Owners Policy
* General Liability Insurance
* Property Insurance
* Insurance (Errors & Failure) Professional Liability
* Car Insurance Commercial
* Insurance Umbrella
* Insurance Income / Expenditure Additional Business
* Product Liability Insurance
* Additional Equipment Insurance
* Insurance Special Equipment

Insurance for Yourself and Your Employees

* Health Insurance
* Insurance Ketidakberdayaan
* Insurance
* Key Employee Insurance
* Workers Compensation Insurance

Insurance Indonesia

2008-11-10T06:12:00.000-08:00

When the financial crisis culminate this month, world stock markets anjlok and several global financial institutions go bankrupt, Indonesia's financial industry is not sterile from the shock. Then appears a question, whether the insurance industry in Indonesia are good?

The answer: Yes. Insurance industry did not pooh-pooh the crisis, but not panic about the situation even worse. Because of that, insurance companies in the country, shock-resistant, even in the worst situations, such as the monetary crisis of 1998.

These accounts of the Bureau Chief Perasuransian Bapepam-LK Jesus Rachmatarwata, gonjang-ganjing in the capital market in some time last no significant impact on the decrease in the risk based capital (RBC) because of portfolio investment in shares of low only 5% -7%. RBC is the most important indicator in measuring the solvency of insurance companies.

"We have yet to see a decrease in the extraordinary. Currently, the placement of major investment in life insurance stocks are not too large, its impact on the RBC is not too significant, but some are decreasing, "said Jesus.

RBC still with the firm, means the ability to guarantee insurance policy is also high. So, for the policyholders, both for insurance losses and soul, I need a global financial crisis indefinite berimbas will be bad for the future of their investment.

Of course, precautions should still maintained. Would that, if the policyholder continue to monitor the development of information and reluctant to request an explanation for the accuracy of the data from the investment they have to cultivate and protect the trust has been in the insurance company.

How to invest in insurance companies of the country's debt (SUN), which decreased in value? According to Jesus, Protected enough insurance rules that allow insurance companies as a SUN-owned securities to maturity. "Therefore, in fact Valuation Valuation companiesare more stable."

With the situation such as this appears bright point for the policyholder does not need to panic in the face of the situation. Of course, insurance companies also do not stay silent in the risk of investment.

Another no less importance is the need for understanding the policyholders berasuransi that it must berhorison long term.

Incidents that moment, when the madcap take, for example, with the funds, with their only loss. Of course, is very naive to say ripple-crisis will not sign up to the Indonesian economy. Really, trading shares in the Indonesian Stock Exchange was closed for three days and the bank began searching for sources of liquidity difficulties.

However, the government has also bahumembahu minimize the impact of various regulations to strengthen market confidence. In crisis conditions, the coordination of all parties is absolutely necessary. The result, once opened Monday last week, Indonesia's stock market moving back positive. The community also do not panic, so do not take a step-langah that confuse the situation with the funds in the bank, and withdraw their insurance policy suddenly.

Throughout the week Joint Stock Price Index rose slowly. The government's decision to raise the value of underwriting 20 kalilipat to Rp2 billion, is also very positive for the insurance industry. This step means that the company lessen the risk of investment in the insurance deposits. Why is the development of financial markets so crucial in the insurance industry?

This is not casual insurance products have been developed in such a way, particularly for life insurance. Insurance Sintesa yield between investment protection as well. Furthermore, we know what is called unit-linked, a service that combination with protection of investment with certain underlying assets such as stocks, money markets, bonds, to products such as banking deposits. Knowing more closely the development of financial markets will be very useful for this industry to continue to exist. At the same time, this will encourage more policyholders to identify risk. In terms of investment known high risk high return, the higher the risk the higher the potential yield that can be achieved.

Of course, this has fully realize. For the insurance industry, the development has advanced to give hope to contemplate a better future. First to see if public awareness of Indonesia to protect their lives and physical assets they continue to grow over time. When that very data, at least now has a population of 7 million life insurance policy. At the same time, insurance companies are also increasingly creative products according to customer needs. Insurance companies and policyholders, has been bersimbiosis such a way and establish ties of mutual benefit in all situations

INSURANCE

2008-11-10T06:10:00.000-08:00

Sharia is very different to conventional insurance, as is done in conventional insurance practices underway in Islam, including:

1. Uncertainty (gharar) on the rights of policyholders (participants) and the source of funds used to cover claims from the participants.

2. Gambling (maysir) is possible because there are parties who benefit from the losses of others.

3. Aba is the income earned from interest-mem-going investment funds provided.

Sharia (Takaful), known in the mutual bear the risk among people, so with one another to be in charge of the risk the other. All this is done on the basis of mutual help in the goodness of each issue of funds / donations / charity (tabarru '), which agreed to bear the risk value is. In accordance with the word of Allah SWT "And please, you menolonglah in (the) good and piety, and not mutual menolonglah you in sin and abuse" (QS Al-Maidah [5]: 2)

There are seven principles that distinguish sharia with conventional insurance, namely:

1. The existence of Sharia Supervisory Board (DPS), who oversees the products, and products marketed in the management of investment funds. DPS found in the sharia but not in the conventional insurance.

2. The contract will be implemented. Scholars who conducted based on sharia principles of mutual help (Takaful), whereas in conventional insurance based on the sale and purchase contract (tadabbuli).

3. Principles calculation of investment funds. In the sharia, the basic calculation of investment funds based on the principles for the results (mudharabah). In conventional insurance, the basic calculation of investment funds based on usury.

4. Ownership of the funds. In the sharia investment funds accrued from the participants (premium) is fully owned by the participants while the insurance company is only as a trustee or fund manager (mudharib). In conventional insurance, investment funds are collected from the participants (premium) to be owned by the company, so the company free use of determining the allocation of investment funds.

5. Payment of claims. Payment of claims made by the sharia is taken from the account tabarru '(welfare funds) all the participants. Since the initial save investment funds, participants are asked keikhlasannya that there will be elimination of funds will be used to help the other if subjected. Meanwhile, the insurance payment claims convensional taken from funds owned by the company.

6. The advantages of insurance companies. In the sharia, the profits obtained by companies from the investment fund participants will be divided between the companies with participants in accordance with the principles for the results, with a proportion that has been agreed at the beginning. Meanwhile, in the conventional insurance benefits obtained by the company to become fully owned by the company.

7. Chance of funds that charred. In the sharia does not recognize the existence of funds that although the charred state insurance participants will resign because of something and other things. Funds that have been disetorkan still can be taken unless the funds since the beginning has been diikhlaskan into account tabarru '(welfare fund). Meanwhile, in the conventional insurance funds known of the charred if participants can not continue the payment of premium and want to resign before the maturity period (reserving period).

What is life insurance

2008-11-10T06:08:00.000-08:00

What is life insurance, and whether you need it? First, what is life insurance? In a simple, the money is used for insurance companies to pay for insurance to the parties that appointed, if we died. A life insurance policy can be a way that is not expensive to replace your income if you die, this is not an investment and should not be used for retirement or school fees for children. There are several investment options to meet this demand. Do you need insurance? This depends on your answer to question 2 is: 1. When there is a case of death, whether there are parties who suffered losses or economic ills. If the answer is "Yes", then resumed by the second question, 2. Do you care? If you care, then means you need life insurance. How many you need? When you decide that you need life insurance, you must determine how much the insurance you need. Of course this is a very subjective decision. A general guide is that you should get at least 6 times annual income in life insurance page. But in deciding what is best for you, you may also consider other obligations that must be completed in whole or in part, when you die. Obligations such as the installment of the house, a debt that has not been resolved and the need for children to study for the future. Tuition for state universities ranges around Rp.10 million (?) Annually, while for private universities ranges Rp.20 million (?) A year. Can estimate the cost of course make sure you take into account the annual inflation factor. Which type is best for you? There are two basic types of life insurance: Berjangka and Permanent / But whatever life. A life insurance is pure insurance, while permanent insurance (also known as "Cash Value" or "whole life") contains elements of savings. Maybe you will be heavily influenced by the wiraniaga and other energy marketers. But based on financial factors, Berjangka is often better choices, and the following is the reason: * Clearly. If you die during the police are still active, the heirs will be paid. As simple as that. * Cheap. You do not need to pay extra funds for cost savings or investments. And the competition is very competitive market for insurance measure, many companies try to keep prices remain low. * Easy. With only a small business you can get a comparison and the confidence that you get a good product. * No function as investment. Many of the better ways to save and invest. * Only pay for what you need when you need it. You usually only need protection for a certain period of time (for example, until your children graduate course) Benefits for permanent insurance are usually on tax evasion on income from a savings policy. Here is the reason: Many policies that have cash value insurance costs and management can reduce the high profits obtained, more than the tax savings. You may prefer to retain permanent police for 15 to 20 years, before you get when you buy more insurance and invest the difference to be a premium on investment with the same interest. How expensive cash value in the policy instead of permanent policy measure? A healthy man aged 30 years can be expected to pay U.S. $ 300 per year for the annual policy worth U.S. $ 300,000. For the same amount of insurance, policies that have cash value will be worth U.S. $ 3,000 or more annually.
Indonesia » Inggris Terjemahkan

benefit jackknife

2008-11-10T06:05:00.000-08:00

To benefit more done with a pleated mengotak-atik income and costs. Because the formula is the income benefits reduced cost. The first step is done with income menggenjot do with aggressive marketing. Revenue is the multiplication of the price with the volume of sales. Various marketing strategies used to increase the volume of sales, from the cost leadership strategy in a holistic strategy to differentiation. Not enough with that strategy, plus more focus, focus on the leadership of both costs and focus extensively on differentiation. Cost leadership strategy in a holistic weight advantages compared to competitors and price differentiation strategies on the benefits of the product, personnel, services, channels and the image compared to competitors. Meanwhile, to reduce costs by making efficiency soundly in all lines. Sometimes even lines on the development of human resources, facilities such as education, training, health benefits and sebagaya trimmed out. But thus trimming the cost of the development of human resources that the company is dropping, because the effect on the company's overall revenue. This caused the fall of the business to employees.

There are other ways to increase profits, which folded as the Ali bin Abi Talib. "O woman, whether you have something that can be eaten husband?" Question to his wife Fatimah Ali. "By Allah I do not have the skills, Namur is no money Dirham 6 from the results of wage twist hair. Money will I buy food for Hasan and Husayn "Fatimah responsibility. "O noble woman who, given money to me is 6 Dirham" said Ali. Fatima and 6 Dirham give money to Ali bin Abi Talib. After the money is received, Ali outside the house with the intention to buy food for both her sons. Suddenly in the middle of the road he met a man that said "Who would meminjami God, the Controlling Dzat and certainly He will fulfill his promise." Ali eventually approach the person with the money Dirham 6 under the house from a bit of dibelikan to eat their children. After the money was given directly Ali home.

When Fatima knows her husband to return home without bringing any food, he continued to cry. See his wife crying, Ali directly asked "O noble woman, what you crying?". "O Messenger of Allah uncle, son, I see you bring home with no food iota" Fatimah responsibility. "O noble woman, I have 6 Dirham menghutangkan money was to God" said Ali. "If you do, that I agree" said Fatimah.

Then Ali bin Abi Talib out trying to place the Messenger of Allah, suddenly in the middle of the road he met a Bedouin who are guided camel. Ali then approached the Bedouin, the Bedouin said "Father, Hasan, buy this camel." "I do not have the money to buy a fully untamu's" Ali said. Bedouin: "I sell camel dihutangkan this way." Ali: "If so, how this harunta you selling?". Bedouin: "I sell it with the price of 100 Dirham." Ali: "OK, I bought this camel, but only after the payment later I get the money."

After the Ali bin Abi Talib camels lead the new purchasing. But not so much by Ali to face a Bedouin others, who asked him "Father Moore, whether you want to sell camels you plug it?". Ali: "True, I want to sell this camel." Bedouin: "How much does it cost?". Ali: "The price of 300 camels this Dirham." Bedouin: "OK, I buy untamu with the price."

After the Bedouin to approve the price, he immediately pay 300 Dirham in cash to Ali. After receiving the payment, Ali control of the she-camel to the Bedouin was. Then he returned to his home. Fatimah know when her husband came, he with the smile of love saying, as practices that do every time he welcomed the advent of her husband. Fatimah then asked him "Father Hasan, what you take today?". "O daughter of the Prophet Muhammad, I have to buy an animal with a camel dihutang how to pay for 100 Dirham. I then sell the camel with the price of 300 Dirham in cash "replied Ali. "I agree only on what you do, provided that bring death and improvement" said Fatimah.

After chatting with Fatimah is enough, he went out again to the right Messenger. At the time he entered the door of the mosque Prophet with a smile and see when Ali is near, he said, "Father Moore, whether you talked to me that, or I give the news to you?". "You just give the news to me," replied Ali. The Messenger of Allah said, "Father Moore, whether you already understand, is actually a Bedouin camel to sell it, and both the Bedouin who buy?". Ali: "Allah and His Messenger know better." Messenger: "Lucky once you are lucky ... ... ... ... ... .... Lucky ... ... ... O Ali, you have trust with 6 Dirham God, Allah memberimu 300 Dirham as a substitute for every Dirham get 50 Dirham. The Bedouin are the first Gabriel, while the second is Israfil. " According to the history of other states that the first person to sell the camel is Gabriel, while the second is Michael.

STRATEGIC RESOURCES

2008-11-10T06:00:00.000-08:00

According to Gary Hamel, the second component of a business concept is difficult in the era of strategic resources (Strategic Resources), which consists of core competency, assets and the strategic core. Strategic resources are specific and unique that can change dramatically sumberdya competition to be a source of business concept innovation.
Competence is a superior something that is owned company and is able to provide skills and a unique ability. Interstate Department Store in the beginning and would eventually see the company is essentially competency, which is selling toys. Finally, the company changed its name to Toys "R" Us. Currently the company is controlled 17% of toy retail business in the United States. The main question on the competency of this core competency is what we have? What we know about the unique, valuable for consumers and can be transferred to create new opportunities? What benefits depth that can satisfy the consumers? How do these advantages make for new ways to compete? What kind of difference can be made to the core competencies to the market in different industries? Is there a core competency that we provide comprehensive solutions to the consumer? Competence what we want to add in the concept of our business? Ebay is one of the companies that use the core competencies with 5P, namely Product, Price, Promotion, Placement and Performance.

TIPPING POINT STRATEGY

2008-10-17T07:07:00.000-07:00

The success of a company depends on the strategies implemented, but sometimes seemed from the outside strategy from this small. Even things that are sometimes small changes can make a big accidentally. If this happens in the company, the company will be successful in sales. This incident occurred on the Wolverine, the manufacturer of shoes with the Hush Puppies brand. Classic suede shoes with the sole light of raw rubber is made in United States sales decreased sharply, to only 30,000 pairs per year and most of the shops or stalls, a simple outlet in a small town far from the crowd. Wolverine think even the company to stop production.
Suddenly, in late 1994 and early 1995 a miracle happened. In the event the opening of a branch of fashion houses, two executive Hush Puppies, Owen Baxter and Geoffrey Lewis met with a fashion designer from New York who relaxed in the discussion told them that the classic Hush Puppies sudden digandrungi the hipster in mklub and cafes in the center of the area Manhattan business. "Some shops of goods used in the Village and Soho sells shoes made us. Many of those who invade the small stores that buy everything "said Owen Baxter. "Isaac Mizrahi also wear Hush Puppies" said the fashion designer. For some of the old story, the story of Lewis Baxter and the only joke. For those not reasonable if the shoes are so behind the days suddenly become famous

STRATEGIC RESOURCES

2008-10-17T07:03:00.000-07:00

According to Gary Hamel, the second component of a business concept is difficult in the era of strategic resources (Strategic Resources), which consists of core competency, assets and the strategic core. Strategic resources are specific and unique that can change dramatically sumberdya competition to be a source of business concept innovation.

Competence is a superior something that is owned company and is able to provide skills and a unique ability. Interstate Department Store in the beginning and would eventually see the company is essentially competency, which is selling toys. Finally, the company changed its name to Toys "R" Us. Currently the company is controlled 17% of toy retail business in the United States. The main question on the competency of this core competency is what we have? What we know about the unique, valuable for consumers and can be transferred to create new opportunities? What benefits depth that can satisfy the consumers? How do these advantages make for new ways to compete? What kind of difference can be made to the core competencies to the market in different industries? Is there a core competency that we provide comprehensive solutions to the consumer? Competence what we want to add in the concept of our business? Ebay is one of the companies that use the core competencies with 5P, namely Product, Price, Promotion, Placement and Performance

OPERATIONAL ENVIRONMENT AND INDUSTRY NEW

2008-10-14T09:29:00.000-07:00

Organizations must make changes to adjust to the competitive lingkungaanya. Changes bersangkut-relation with regard to create something with the other. Technology, competition, economic shocks, social changes, changes in ecology, labor and political world is a strength that stimulate change. Advanced information technology can change the way to compete, so it can improve its competitiveness to compete with the company. The existence of the Internet makes creating geographic boundaries do not mean.
In any industry, whether industrial or international domistik, whether produced goods or services, competition rules included in the competition five factors, namely the influx of new immigrants, the threat of product substitution, power buyers haggle, haggle and power suppliers and competition among competitors that (Porter, 1985). Porter style competition this should be changed with the new competition rules that need to be skeptical, the first new economy or the digital economy, which reduced the company's revolutionary market, for example, Amazon.com is only used book store, but is now selling various products. eBay auction just before the Internet, but many products now sold.

GLOBAL THREATS

2008-10-14T09:27:00.000-07:00

Globalization and free market are expected as the global effort to improve efficiency. Global trade to help many countries to develop more quickly. Globalization is also considered to make the developing countries gain access to knowledge that can not be obtained previously. Globalization is as if the progress that must be accepted developing countries, if they want to grow and fight poverty effectively. But for most people in developing countries, globalization does not bring the promised economic benefits (Stiglitz, 2002:6).
Globalization in practice, developing countries must pay for the welfare of the efficiency of the world's developed countries. South efficiency of the global fund for the benefit and progress of the North. Market failures or failure, market failure occurs everywhere, not only because of the conditional demands for the realization of the market that can be self-regulating is not met (because of the assumption realization of the competition-free for the formation of a pure free market is not proven empirical-realistic), but also because of the economic interests and nonekonomi that must be maintained and through efforts to distort the market significantly (Swasono, 2003:83).

THREATS CURRENCY

2008-10-14T09:20:00.000-07:00

Currency dollar hegemony the United States have proven our shattered economy and the Asian economy. The case is causing us to think a new currency that can rival the United States dollar. The currency is the dinar and Dirham, which has been used in the Roman and Persian era before Islam. Trade is the basis of the economy in Arabia before Islam came. Prerequisite for the transaction is the means of payment that can be trusted. Arabia and neighboring areas are under the direct authority of Persia and Rome. Unit of the money is used countries is the Dirham and the dinar. In the transaction of business Arabia in the second type of currency is also accepted. With more strong political both countries, the payment instrument is more trusted in the region that are under the influence of power. Because of that factor, the Persian nation and the nation's Roman is the only trading partner of the Arab people (Sadr, 1989).

THREATS AND BUSINESS

2008-10-14T09:16:00.000-07:00

Two people who are very strong influence in Indonesia's economic ideology is the Bung Karno and Bung Hatta. In the book under the Flag of the Revolution is a collection of books written several Bung Karno issued in the period from 1926 to 1941. The book consists of two volumes published this first of 1959. The theme of the writings collected in two volumes of this book is very wide scope. There is talk about the problem ideological, social, political, economic, and there is also talk about the experience of Bung Karno disposal in the region. But with the title, overall, which accrued in the book that also attach photos and examples of handwriting Bung Karno, the situation revealed in a sharp struggle of independence that are faced by Indonesian nation. Of all the themes that peeled Bung Karno in the various papers, at least there are two major themes that need to be reviewed briefly here. First, the truth about colonialism, capitalism, and the struggle of Indonesian independence. And second, about nationalism, Islamisme, and Marxism.

The best practical equipment products

2008-10-14T09:11:00.000-07:00

The best practical equipment products in 2008 is the iPhone mobile phone production yangmerupakan Apple Inc.. The camera has a function, multimedia player, SMS, Voiscemail visual and can be connected to the Internet, for example, to send email, web browsing, and others. With the user interface is a multi-touch screen with virtual keyboard and buttons. iPhone began shipping the first generation on 29 June in the U.S. with a price of U.S. $ 499 for the 4 GB model and 599 for 8 GB. The next generation, which adds features and 3G A-GPS launched in various countries on 11 July 2008. iPhone change the way we think about how the media moving equipment we can use, we see and we feel.

The camera has mounted 2.0 megapixel resolution, but can not record video. In addition, this phone also has software that can mengunggah image. As the fifth generation iPod, iPhone can play video, so users can watch television or movies. IPhone operating system is a lightweight version of Mac OS X without the various components that are not needed. This operating system takes up space as much as 700 MB.

Capital payment in advance

2008-10-14T09:08:00.000-07:00

In addition to opening the business with no cash payment in the back, you can also open a business with the payment in advance. Combined with the start of business on the back of payment and payment in advance is the most ideal. Building or office, ads, brochures can be obtained by payment in the background, while customers using our payment in advance. The form of business courses, vocational education institutions and even education tinggipun can be done with the strategy of payment in advance.
Indonesia

Public Realations

2008-10-14T08:51:00.001-07:00

Companies use the method public relations (public realations) to convey messages and toss attitude, image and the correct opinion. Public relations (public relations) is one of the campaign / communication important. During this, no more than public relations campaign tools / communications least used, but these tools have the potential to build awareness and frequency in the market, to strengthen the position of the product again, and to maintain the product. Public relations (humasa) often is with publicity. Actually, the publicity is only a part of public relations. Publicity activities of the company, which is designed to trigger the attention of the media through articles, editorial and news that are expected to help maintain awareness, perspective and image of the community thought to be the company remains positive. Publicity can be used to benefit a single, mislanya launch new products or reduce the negative opinion that happens. Publicity can also be used for the double benefit, for example, improving some aspects of the activities of the company.
Many companies use marketing public relations (marketing realations public) to make the campaign a company or product and create the image of the company and products. Public relations has marketing roles, including:
Help in launching new products, for example, launched a new product Pantene Hair Fall Control to answer the needs of consumers to reduce hair fall because of a broken claimed up to 98% with regular usage for two months. Share knowledge about the Pantene hair fall to press the case for women in Indonesia experienced a fall because of broken hair.
Assist in the placement position to make back the product is mature, such as the PT. UNILEVER after the ketchup maker Cap Bango in 2001, Unilever perform repositioning sauce Cap Bango do with cooking competitions involving mothers household for Jakarta and West Java. And then resumed activities cart Sate Bango food traders who look at the road side and the Festival Hawker Bango included in the television as previously be by Bondan Winarno, Indonesia's culinary experts. Finally Cap Bango soy sauce into a position of market share ranking of the two.
Building interest in a product category, for example, invites Maspion to buy products made in Indonesia.
Affect the specific target groups, such as the Extra Joss sponsored Qurban 2 billion and then go along with 600 traders asongan Jabotabek-se, so get a good image of Islam. Extra Joss currently ranks first for the alternative energy drink category.
Defending products that experienced problems in the community, such as Lion Air is intended to name after the accident in Solo, but Lion Air is able to attract sympathy with the return in cooperation with Metro TV in the disaster in Aceh to help with a seat free for a number of departing passengers to Aceh and provide special aircraft to carry aid to Aceh goods for free.
Building the image of companies that support the products, for example, a family Sosrojoyo holding the noble values that believed, that is good, not dangerous to human health and does not damage the environment. Finally Soetjipto Sosrojoyo get Life Time Achievement Award in Marketing, can strengthen its brand of tea Sosro the brand is currently ranked first in the packaged tea category.
Method of public relations and publicity, which is the main publication, important activities, sponsor events, news, events, community service activities, the media the identity of the company, employee relations, product placement on television programs or movies and information services and Internet phone.

Blue Ocean Strategy

2008-10-14T08:51:00.000-07:00

Strategies to compete in the competition is very tight can cause "sea of blood" for companies that compete or are put-off. This strategy disebur as Bloody or Red Ocean Strategy. W. Chan Kim and Renee Mauborgne said that the Red Ocean Strategy is no longer effective to create growth and profits in the future. They are proposing a new strategy called the Blue Ocean Strategy. Differences between the Red Ocean Strategy and Blue Ocean Strategy, among others, on to the market, competition, demand, values and strategy.
Red Ocean Strategy considers that to compete it is to compete in the market space that, while the Blue Ocean Strategy, considers that compete is to create market space that is not their. The market is very broad bagaiakan "blue ocean". Because the market is very broad, companies can choose the market as the heart. Red Ocean Strategy to use the concept can grow and benefit with the defeat competitors in the competition. Blue Ocean Strategy