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.
Monday, November 17, 2008
Sales Promotions
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
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.
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
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.
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.
Monday, November 10, 2008
Basics of Small Business Insurance
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
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
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
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
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
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. | ||
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benefit jackknife
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.
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
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.
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.
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