Examiners bedroom

A travel websites in China, Qunar, employing three specially in secret will check rooms offer the famous hotels there. Their job is to assess the strength of the wi-fi in the room, soft slippers, and room service hotels across the country.

While Travelodge employs a full-time reviewers bed to try out all the hotel rooms. In 2006, this work is producing hundreds of thousands of dollars each year, the average income of U.S. $ 1,500 or equivalent to Rp 14 million per month.

The process of Creative Entrepreneurship

“We dared to think creatively. That means we have to take risks”

ONE of our job as a businessman, in addition to interpersonal skills, leadership, and managerial, should also be able to perform creative tasks. Creativity is an important element in existence and development of a business. for the entrepreneur, as if no day without creativity. Time for us to keep creative. Moreover, if in the previous section, is often cited extraordinary rate of growth of entrepreneurship in the United States, in Indonesia alone, the diversity of business and number of entrepreneurs, not as much as in the United States or other countries.
In the United States for example, there are businesses that are still rare and have not been socialized in Indonesia, namely the business rent clothes and baby gear. So in fact many kinds of business we can do, as long as we want creatively. In any case, we must be creative? Be creative in some ways, among others, choose the type of business and choosing the time to start.
So, do not hesitate to create conditions in which each element can be creative. Make every angle, every mood in your business, conducive to the emergence of creative ideas. Creativity itself, it requires a process, namely the creative process. So initially, it is necessary preparation for the creative, albeit not formal. Live, how we ourselves make it a creative working atmosphere.
In the process, it also requires a creative turns our concentration. In fact, that often happens, when we did the concentration, even at a stalemate. As a result, we can not do anything about it, and gradually became frustrated. And, in fact frustrating it is part of the creative process itself.
In this condition, in my opinion, we should not give up or despair. Do not stop there. Rest assured, in time, insight or illumination will appear. Then, we pass the next creative process: incubation or settling into the subconscious. In time, namely the unintentional condition, may emerge illumination that means we have found a creative idea.
An important step to this, process or execute creative ideas into concrete, for the betterment of our business. Even in our opinion, for the sake of customer satisfaction too, need a creative approach. Creative and keyword search in the affairs of the capital or business development fund, increased production, improved design, marketing, and so forth.
Creative people, are people who dare to take risks. Just how big the actual quality of creativity that will affect the business risks being run. In fact, someone who dared to think creatively, means he’s willing to take risks. We are convinced, just businessmen who dare to take risks that can develop their business forward, both for current and future.

FOCUS

The logic of “focusing”, to borrow a solar phenomenon. This masterpiece of God, a powerful energy source, which illuminates the Earth each hour with millions of kilowatts of energy. Anyone, can “sun shower” for hours with risks lightly.

What about laser? A beam of light, energy is weak. It just takes a few kilowatts of energy but can be focused into a beam of coherent light. Of a beam of laser light, the findings of scientists can use it to cut steel up to kill cancer cells.

Switch on a business conversation. You can create the same effect: a strong ability to dominate the laser like a market. That is what we refer to as “focused action”.

When a business becomes the focus, it will lose its power. The effort was to be like the sun, spreading its energy is too much product on the market that is too broad.
Concentration, the ability to give full attention to the task at hand, and in the long run, concentrate on a career, is one aspect of the focus. But not only that. Other terms, the intensity. Intensity involves the ability to deliver large amounts of energy on the task at hand. Run it as a habit, will improve your career. Analogously, the focus has the same effect on a person’s job, like a magnifying lens that is held on a piece of paper on a sunny day. Holding the lens with the right angle, making the rays concentrate at one point, capable of burning paper.
Priority, included in the idea of ​​focus. Do not hesitate to change and put the most important as number one when something unexpected appears. Work on a priority basis.

You know, what is the secret number one success? Priority.
Helen Gurley Brown

Determine what the top priorities in the work to think carefully to what the company is hiring you. Many people make the mistake of working hard for each task they face, without or with very little into account the importance of those tasks. At the end of the day, they will be very tired, praising themselves for all the work already completed. Unfortunately, there are already unknowingly pass over the important work (Important) and urgency (urgent). Important, perhaps could not in uturan top, but urgent, something that is related to the deadline, which could not, he comes first or something bad blocking.

Place it letters, memos and warnings about all the other tasks are waiting in the binders with a priority A, B, and C.
Alan Lakein, Time Management Consultant

Discuss the focus, we can quote Eugene Grisham in the Achievement Factor, the world’s best-selling book. He talked about the success factors of interviews with many years of successful leaders of the world. It’s just one conclusion: “To a great success in a field, whatever the subject, it takes at least ten years by staying focused on the field.”

We strongly believe the conclusion of the book. We have evidence, we know a considerable, since graduated from high school, live from the trading and never moved except on the business of household products are very popular with mothers. In fact, less than ten years, he was successful in that they do. That’s the power of focus.
Tub of water that drops a stone, drop by drop; day in and day out, year in, in time, we will be surprised at the fact that the stone has become concave because the water droplets.

Having teamed Success Road Alone

KH Muhammad Zakki always stressed the importance of trust in a business to santri. In addition, the remains resilient and good at looking for opportunities. While there are opportunities to be captured by the risk. Do not be afraid to fail.
Successful coffee business is not as easy as turning the palm of the hand. Muhammad Zakki winding road. Initially, he teamed up with others in the management of coffee plantations in Tulungagung.

“Now it exports itself to a number of countries, an average of 75 tons a month. Most of the robusta species,” he said to Surya.

Business was initially just to process the raw coffee beans processed coffee. When the partnership dissolved manages 400 hectares of land, he bought himself a land area of ​​650 hectares in the same location. Muhammad Zakki not directly sell the coffee harvest. But it is processed before entering the workshop in East Java market.

Over time, called fluttering. Order flows from abroad in 1999. One container is sent to Japan via Jakarta. “Coffee robusta easier fit with the foreign tongue. We, too,” he explained.

Through the flag of PT Mutiara Dewi Jayanti, Muhammad Zakki exporting hundreds of tons of raw coffee beans processed by the King and Pendowo Makhota brand Limo. Currently, export markets are Japan and China, and was exploring Dubai.

After all, from the business he had lost also because of the hundreds of world coffee prices plummeted. “Thank God, I can survive. Stock I was not too much compared to other coffee entrepreneurs,” said Muhammad Zakki. (Surabaya, Indonesia)

Want to Become Entrepreneur Printing Santri

Surabaya, Indonesia. Age 43 years. Who would have thought this respected kiai who had been a coffee farmer. Even science is ‘high’ in terms of coffee, because Muhammad Zakki has become entrepreneurs in the field.

“In addition to religious education, students learn to manage the business,” he said to Surya encountered in the pesantren, the Housing Graha Tirta, Waru, Sidoarjo.

Most of the students who are still studying at college in Sidoarjo and Surabaya were taught to produce processed coffee to sell to the market.
Hundreds of students are invited to get involved directly process the seeds to turn coffee into your cooking and coffee powder.

According to Muhammad Zakki, they instantly become the practice of product marketing personnel to a number of traditional markets throughout East Java. Within a month, hundreds of students was able to produce about 20-25 tons of coffee cooking. There are two brands of coffee produced these students.
“Brand and Pendowo Makhota Limo King,” said alumnus IAIN Sunan Ampel 1993, the East Java Chamber of Commerce board since 2009.

The students are studying for three years. Once they graduate, schools do not take it off straight away. However, keep in touch with them and encourage the practice expertise to make coffee.

According to Etty Sriwinarti husband present, it supplies raw materials for the students and encourage them to open businesses in their respective places of origin.

The idea of ​​establishing an educational boarding santri entrepreneurial minded since it occurred to cultivate the coffee business for 15 years. But the intention was only sparked when he was performing the Hajj in 2004.

Muhammad Zakki pray in the Holy Land of Mecca in order to establish a boarding business intentions materialize. “I want to help. Those of them come from disadvantaged families, “he explained.

Once home from the pilgrimage, Muhammad Zakki gradually realize his intentions. Independent boarding and Agribusiness believer was built in 2006 and receiving students. Now 112 students have been living in boarding schools located in the middle of this housing. 2013, schools are ready to receive santriwati.

Then what is the background of these entrepreneurs founded the boarding school? Muhammad Zakki see a lot of potential for agribusiness in Indonesia that has not managed properly. On the other hand, he saw the potential is enormous if the students were given a business lunch.

“Potential students are less empowered, that’s why I want to print the students to become entrepreneurs. Because my coffee business, yes I teach the trade of coffee, “he said.

Principal

Principal term in the IT career path may be a bit sparse sound. Terms such as “Principal Software Engineer” or “Principal Network Engineer” has been commonly used in the IT world, it’s just not a lot of people with this designation. Principal here means that the “main” / the top. In addition, not all IT professionals to achieve this level, most companies find it enough to hire a senior level with the expert in the technical aspects. As a result, IT professionals who have reached senior level will shift to management as project manager if you want to achieve higher career.

If we borrow a phrase from one of the famous manga, you could say this is the level of “S-Class” or “Super”. Those who reach this level are considered generally recognized as the most brilliant among the seniors. They are not only considered as “Expert” but also as “Leader” in the field.

The characteristics of this level are:

*    Having all the capabilities of senior level
*    As a point of asking in terms of technology in the field of profession (technology expert and leader) in the wider national and international
*    Often create articles / writings about his profession fields that benefit others
*    Can be trusted to build / develop a standard (set the standards) used in the profession, such as creating a particular design pattern or an effective software development methodology.

One example of this level are those who get the MVP Award (Most Valuable Professional) from a software giant that is not familiar to us, or who holds a CCIE certificate from a vendor largest network.

Salary:
Salary levels can not be ascertained because usually they are special people who besides an important asset in the project is also an important point or “prestige” of an IT company. Some of them could earn more than the project manager.

ENTREPRENEUR OF EMOTIONAL INTELLIGENCE

“Prioritize our emotional intelligence in business it is an absolute must

You begin to heat? You think you already have what it takes to become an entrepreneur? You’ve read all the success stories about people and it makes you “hot”? True, the reader, if that happens, it’s time to become your own boss. But, if you’re ready to leave good jobs and comfortable with a monthly salary, modern office, the efficient secretary, and a sense of security that comes on when you work for an established organization?

A friend who has spent years working on the largest national airline company, with thousands of staff, salaries of millions, full facilities, all of a sudden decided to get out and entrepreneurship. The first words are received,
“Are you crazy?” …. “You destroy a promising career” ….. and other abuse. Not to mention the feelings of children and wives, parents and other relatives who could not say …

Takes great courage to write a letter of resignation. Still confident are you have everything that will lead you to become a successful entrepreneur? Then what would you do? The first rule of entrepreneurship, train yourself to see the void or gap in the market, then fill it.

Look around you. Look at the people on the streets, they are sitting behind a sewing machine, what services will he give? Look at her chicken satay seller of women near the inn cheap, why would he choose that location? How about a new hotel on the main road, why be so successful? What about the people who worked on the computer it can be very successful in the business of his own software program?

There is a short answer to all these questions: it exists because there is business that requires them. No matter whether you try the chicken thighs, a nice restaurant or a website. Or, are you talking about the daily round of 100 thousand or 100 million, starting from A – B, even up to C, the same principle:
1 Success in business
2 Working with the principle
3 Finding a vacancy
4 And fill it!

As the world of men were struck with the discovery of Viagra blue pill is a drug that is actually a pacemaker, but then so hyper organ of male virility, a few years ago the whole world simultaneously publish it (remember, Viagra has never advertise in any media). The result, Viagra became the product of the year and generate billions of dollars for the inventor.

The case of Viagra in the world, apparently provided the inspiration for Jonathan Simon. After the previous success breeds Extra Joss, which generates hundreds of billions, and then came the IREX more or less the same function as Viagra. With the tag line “Mama Birthday Gift”, and is packed with ads that are played by men emaciated and sluggish, has suddenly become powerful after drinking IREX, the result, this product in the market exploded. Yes, they are alert to opportunities, and fill the void.

Then why do not you do this? If you are first offered to the public what the public needed and not obtained from other people, or if you manage to anticipate a need in the future, you have a good chance to become rich. Until now, the competition, you will have all the markets alone.

History provides many examples of entrepreneurs who became successful by meeting or anticipate the need for new products. Isaac Merit Singer sewing machines produced are suitable for working in confined spaces, even in the room though. Henry Ford’s assembly line method was used to produce cars that ordinary people can buy. George Eastman saw a need for a small camera is portable. Ray Krock of Mc Donald saw the potential of fast-food franchise.

Where did it come ideas like that? There are three kinds of sources of ideas.
First, your job. The work you’ve done could be a potential source of ideas, because that’s where you’ve developed business sense.
Second, your hobbies or interests outside of work, because it is an other area where you have a natural feeling.

The third source, is what is often referred to as “pedestrian observations”, or recognize an opportunity through an ordinary meeting, or an incident in your everyday life.

If you are first, then you should not brilliant. Later you’ll have time to develop and improve everything you’ve ever done. But when the others began to compete with you, then you have to be the best.

Creativity: The requirement in Entrepreneurship

Do not stick just to see glamorous change! You, one among so many people who could bring something new! Think of this as a habit. Since you live in a century of creativity. Creative is the key to winning the competition. There are many concepts of creativity. One of them, taking inspiration from the music, exactly, jazz music. In jazz music, there is the term jam session when musicians did not play a particular song, but the instrument without being tied steady chord songs, free-flowing course. Jamming, John Kao pour inspired his theory in a book that has been circulating in the Indonesian language, “Jamming: The Art and Discipline Business Creativity”.
If jamming can tickle the ears with beautiful music, business too, so maybe take a step outside the usual alternative policies. The result, as in jazz jamming, remains “rhythmic and pleasant”. That analogy theory of Kao in the business world.
Jamming in the business, is a creative endeavor. There is imagination, creativity totality, taking inspiration from the flickering glow everywhere. From there create creative ideas in business development. Who are “sparing partner” of an entrepreneur in the exploit creative ideas? He can be a fellow entrepreneur, even though there’s nothing wrong with other people who are very different from the world of work (not entrepreneurs).

Work “routine round”, “obedient grip”, the highest decision-making level, particularly as the attitude towards the reality of the business center, believed to be a dangerous attitude for business continuity. Routine, grip, grip it, a fetter to the progress. However, do not interpret it wrong. Management of creativity, not the “anti-rules”. Certain rules, must still exist, but its existence is not the creativity. There is an “extreme” in the case of this renewal. For example, computer hardware manufacturers worldwide, intell. Intell, periodically always destroy their old product after the manufacture of new product team creativity results. Similar measures, although “accidental” experienced by the company Unilever. As soon as new products emerge, old products Unilever “automatic” defeated its own new products.

If there’s intell and Unilever examples in this section, two of the big corporate world, true creativity is not a big corporate monopoly. In the small business sector also, creative ideas emerge from reflection and conversation about things that never occurred. It is precisely in small business, creativity should be further developed, as is usually small businesses, have had little human resources. These points so that small businesses are relatively more compact people, so the transfer of new creativity can quickly flatten. In a small business creativity shorter transfer path. An innovator in the short time he was able to directly transfer the new findings to all those who worked with him. Not impossible, for the transfer of new findings, it could well trigger the growth of creativity.

Flexible response to opportunities

If you fall into this class of people who always want to know, then be able to see an event and experience to serve as an opportunity where others do not see it, then have the courage to think of creative and innovative, be prepared to become entrepreneurs.

Many examples can be given to show us, that nothing is impossible entrepreneur. Remove any idea or your idea, fear not belittled or humiliated people. “Crazy idea” that you convey, may be a time to invite the admiration of many people. Once you begin to reap success, then people will be humming, “Why did it not occur to me long ago huh?”

If you dare to be different, it means you are entrepreneurial. I agree that the opinion said, the successful entrepreneur is like the patience and peace of mine to pursue a stunt actor thin to get to the destination. He does not spend his time with feelings of fear, but his concentration was on purpose. Equally important, do not be ashamed of the mistakes we make. An entrepreneur does not like mistakes, but he would accept it as long as it can provide valuable lessons. He should be able to get away from situations that are almost impossible to overcome. In today’s global era, we run the business activities that nearly 90% just does not fit the plan.

Therefore, we must be flexible with the plans we have made. Be prepared to move from one plan to another plan. An entrepreneur should also not be easy to despair. He must be confident with his creativity. There is always a way never imagined before.

History of BI (Bank Indonesia)

Institutional

Institutional History of Bank Indonesia began the enforcement of Law (UU) No.. 11/1953 on the Determination of the Basic Law of Bank Indonesia on July 1, 1953. In performing his duties as a central bank, Bank Indonesia is led by the Monetary Board, the Board of Directors and Advisory Board. In the hands of the Monetary Board is, monetary policy is set, although responsibility rests with the government. After being merged into a single bank, in the early days of the new order, the basis of Bank Indonesia changed through Law no. 13/1968 on the Central Bank. Since then, Bank Indonesia serves as the central bank and also assist the government in development with a policy established by the government with the help of the Monetary Board. Thus, Bank Indonesia is no longer led by the Monetary Board. Once the order has passed, Bank Indonesia can achieve independence through Law no. 23/1999 on Bank Indonesia as amended by Law no. 3/2004. Since then, Bank Indonesia has a special position in the structure of the state as an independent state institution and freedom from government interference and / or other parties. However, in conducting monetary policy in a sustainable, consistent, and transparent, Bank Indonesia must also consider the general policy of the government in the economy.

Monetary

After the founding of Bank Indonesia, Indonesia’s monetary policy is generally determined by the Monetary Board and the government responsible for it. Given the poor post-war economy, which was first adopted in the monetary sector are efforts to improve foreign exchange reserves through export and import activities. In the period of guided economy, deficit financing of public finance spending continues to increase, primarily to finance the government’s political project. The rate of inflation continued to soar that monetary tightening was conducted twice, namely in 1959 and 1965. Regardless of the period, the government entered a period of economic recovery through stabilization and rehabilitation program which is then forwarded to the deregulation of financial and monetary fields in the early 1980′s. Amid the ebb and flow of the economy, was born the various economic policy package that aims to strengthen the structure of the Indonesian economy.

Starting mid-1997, the monetary crisis hit Indonesia. The rupiah weakened, threatened jammed payment system, and a lot of foreign debt unresolved. Various steps taken, ranging from monetary tightening to some IMF recovery program obtained through a few of the Letter of Intent (LoI) in 1998. But ultimately bleak future can be reached. The economy is getting better as a stable political conditions at the time of reform. Accordingly, the year 1999 was a milestone for the issuance of Bank Indonesia Law. 23/1999 on Bank Indonesia as amended by Law No.. 3/2004. In this law, Bank Indonesia established as an independent state higher institutions in carrying out duties and responsibilities. As per the law, Bank Indonesia is required to set the inflation target to be achieved as a basis for planning and monetary control. In addition, successful foreign debt rescheduled and cooperation with the IMF ended through Post Program Monitoring (PPM) in 2004.

Banking

When he returned to the Unitary State of the Republic of Indonesia (Republic of Indonesia) on August 17, 1950, Indonesia’s economic structure is still dominated by the colonial structure. Foreign banks still dominate the activities of national banks, while the role of the national banks in the country are still too small. Until the eve of the birth of Bank Indonesia in 1953, the supervision and guidance of the banks have not been established. De Javasche Bank was the first foreign bank was nationalized and later transformed into BI as the central bank of Indonesia. A few years later, along with the warming relations between Indonesia and the Netherlands, carried out the nationalization of the banks owned by the Dutch. Next, guided economic system has brought state-owned banks to a single bank systems do not last long. The new order came with a change in banking with the issuance of Law No.. 14/1967 on the Principles of Banking. From then on, the banking system is in system integrity and unity of the leadership, through supervision and guidance of Bank Indonesia. Bank Indonesia with government support, in the period 1971-1972 implement policies curbing private banks with the goal of reducing the number of private banks, because there are too many and mostly consists of small banks were very weak in capital and management. In addition, Bank Indonesia also provide substantial funds through Bank Indonesia Liquidity Credit (KLBI) programs for Small Investment Credit (KIK) / Permanent Working Capital (KMKP), Credit Investment (KI), Student Loans Indonesia (KMI) , Credit Cooperatives (Kakop), Teacher Professional Credit (KPG), and so on. With this move, the central bank has taken the position as the largest provider of funds for economic development outside the state budget.

Indonesia’s banking industry has been the industry’s nearly all aspects of its activities regulated by the government and central bank. Regulation is causing the lack of banking initiatives. Year 1983 is the starting point BI gives freedom to banks to set interest rates, both credit and savings and deposits. The goal is to establish a sound banking system, efficient, and resilient. The next policy is the turning point of the government’s policy in curbing banking in 1971-1972 with the issuance of Banking Deregulation Policy Package 1988 (Pakto 88), the ease of granting new bank licenses, permits the opening of a branch office, and the establishment of rural banks (BPR).

In the next period, national banks began to face the growing problem of bad credit. This is in line with the increase in lending by banks, especially for the property sector. Economic conditions began to heat up and the inflation rate began to rise.

When the financial crisis struck in 1997, the structure of the Indonesian banking mess. On 1 November 1997, liquidating government policy issued 16 private banks. This has led to panic in the community. Therefore, Bank Indonesia fell to resolve the situation with the Bank Indonesia Liquidity Assistance (BLBI) based on policies set by the government. In addition, the restructuring measures implemented by Bank Indonesia and the government.

Payment System

The payment system in Indonesia is divided into two, namely the system of cash and non-cash payments. In Law (UU) No.. 11/1953 stipulated that the Bank Indonesia (BI) only issue banknotes to the value of five dollars to the top, while the government is authorized to issue banknotes and coins in denominations under five dollars. The first paper money was issued by BI in 1952 marked bills in seven fractions. Furthermore, based on Law no. 13/1968, BI has the sole right to issue banknotes and coins as legal tender in all the fractions. Since then, the government no longer issue paper money and coins. The first coins issued by the Bank are emissions in 1970. In the era of the 1990s, the central bank issued money in large denominations of Rp 20,000 (1992), Rp 50,000 (1993) and $ 100,000 (1999). This was done in order to meet the needs of large denomination along with ongoing economic development at that time.

Meanwhile, in the field of non-cash payments, the central bank has initiated steps to establish itself as the central office of the calculation of the end of 1954. As the central bank, since the beginning of BI has been working hard in the monitoring and restructuring the payment system demand deposits. BI also keep trying to perfect giral various payment system within the country and abroad. In the period from 1980 to the 1990s, economic growth is improving and the volume of non-cash payment transactions have also increased. Therefore, the Bank began to use the system more effective and sophisticated in the settlement of non-cash payment transactions. Various systems such as Semi Automated Clearing Local (SOKL) on the basis of personal computers and the Inter Funds Transfer System and the Integrated Automated Office (MIRACULOUS) with a paperless transaction system to be developed and refined. Finally, BI systems have created a variety of electronic devices such as BI-LINE, Jakarta Electronic Clearing System (SKEJ), Real Time Gross Settlement (RTGS), Information Systems Clearing Distance (SIKJJ), clearing slips between the working area (Intercity clearing), and scriptless Securities Settlement System (S4), which further facilitate the implementation of non-cash payments in Indonesia.

Governor of Bank Indonesia (1953 – present)
Mr. Sjafruddin Prawiranegara Term of Office: 1953 – 1958
Mr. Judge Loekman Term of Office: 1958 – 1959
Mr. Soetikno Slamet Term of Office: 1959 – 1960
Mr. Soemarno Term of Office: 1960 – 1963
T. Joseph Young In Term: 1963 – 1966
Prawiro Term of Office: 1966 – 1973
Rachmat Saleh Term of Office: 1973 – 1983
Arifin Siregar Term of Office: 1983 – 1988
Adrianus Mooy Term of Office: 1988 – 1993
J. Soedradjad Djiwandono Term of Office: 1993 – 1998
Sjahril Sabirin Term of Office: 1998 – 2003
Burhanuddin Abdullah Term of Office: 2003 – present