Horizontal and Vertical Strategy Requires
01.35
As has already been published on Islamic Banking Outlook 2010, then the policy will be applied toward the banking authority will basically cover five areas, namely optimizing the implementation of Value Added Tax Act, improving the quality of supervision and human resources of Islamic banking, improving quality monitoring systems, strengthening of capital, and increase efficiency through financial deepening.
Related to the determination of the Law No. 42 year 2009 regarding Value Added Tax (VAT) after years ago issued Islamic Banking Act, a milestoneyang function as new fuel for the growth of a national Islamic banking in 2010. The main obstacle has been considered to inhibit the growth of Islamic banking industry, which is a double tax for the dominant product (sale) of Islamic banking, has been resolved.
VAT Act will certainly provide a more conducive business environment for the entry of new players in this industry and the level of competitiveness of the industry better. Therefore, in order to anticipate relevant provisions of view to adjust the opening of a new Islamic bank will be carried out optimally.
However, there were incriminating questions is how the VAT payable prior to April 1, 2010. Policy of the government tax authority, we expect more to economic analysis than the analysis finansial.Dengan of economic analysis on tax policy that is more conducive for Islamic financial industry, will open Islamic bank investment opportunities that will encourage the flow of funds financing the larger and of course in addition to mouse wheel faster real sector will also produce a lot of new tax payer-payer.
Improving the quality of supervision and human resources associated with the projected increase in industry volumes and the number of Islamic bank would require the availability of adequate human resources with a qualified quality, both on the side of the actors / practitioners and supervisors.
In addition to improving the quality of relevant watchdog understanding of banking operations and the business sector, is also necessary to increase the number of supervisors in order to anticipate the growing number of Islamic bank is a good number of banks and office networks.
Challenges in terms of operational kehatihatian (Prudence operational) will be answered through two main lines, namely: improving the quality of regulatory and supervisory infrastructure. Continuous quality improvement arrangements will always be adjusted with the latest developments both derived from the IFSB, BIS and other international commitments such as commitments countries that joined the G-20 forum.
In the capital aspect of the projected volume of Islamic banking industry in the year 2010, including deposits, to be followed by an increase in the capital of Islamic banking still has a financial buffer that high. Efforts to strengthen the capital this can be done internally through devident policy and the addition of new capital by the owners or investors baru.Oleh Therefore, Bank Indonesia would be more actively facilitate the growth of capital through both approaches.
Further associated with financial deepening and efficiency and to ensure the competitiveness and performance of Islamic banking industry, among others, carried out through the efforts of financial deepening by enriching the variety of products and services offered, keeping in conformity with the principles put forward aspects of sharia. In addition to increasing the diversity of banking products, improved efficiency can also be done through cross sector financing activities with other Islamic financial subsystems such as collaboration with the Zakat system.
Prospect of Islamic Banking in 2010
Referring to the analysis of the conditions of macroeconomic fundamentals in the world economic situation is likely to recover and the internal dynamics that occur in the Islamic banking industry, Islamic banking industry is estimated in the year 2010 will experience better growth than the previous year's growth.
Meanwhile, considering that the development of Islamic banking industry until the end of the year 2009 is expected to be in the range between the pessimistic scenario and the scenario of moderate and based on considerations of macroeconomic dynamics and the current Islamic banking industry, then the projection for 2010 remains in line with that already in the program diformulakan Grand Srategy Sharia Banking Market Development,
Increase Sales by Listening Ability
01.24
EVERY person basically wants to be heard. At one point, there is a seller was meeting with prospective buyers.
When potential buyers are starting to tell about success and happiness of his family, first of all the sellers are still listening.
However, after the prospective buyers are starting to tell more things, the attention of the salesman started to decrease, not even paying attention again to the prospective buyer. The soldiers felt disappointed prospective buyers, do not feel heard by both the seller and eventually leave, so it does not happen in a transaction.
Have you ever heard or even experienced it myself. When you're told something with gusto, but the person you are talking not so listen to even ignore you. How are you feeling? Indeed, sometimes we do not want to listen to a story that stated by someone, let alone in extenso.
However, if the person is a candidate for our clients, we must be ready to be a good listener. Obviously, being a good listener many positive values, and not just only for prospective clients, but also to all the people we are expected to apply the same. In the context of this paper, if the person is a potential candidate for our clients, without the ability to listen well, then the prospective client to be able to escape. And unfortunately, it could be the potential clients will look for someone else, or even our competitors are judged more willing to listen.
Once you know, that Joe Girard has ever abandoned by the prospective client, for lack of listening to stories of the prospective client. As we all know, Joe Girard is the greatest salesman ever entered the Guinness Book of Records for exceptional sales achievement. It turned out that throughout his career, he never abandoned by the prospective client, because less can be a good listener.
However, once realized something was not right, he immediately apologized and promised to always be a good listener. As a result, although the prospective client before leaving, but because Joe immediately take concrete improvements that become a seller and a good listener, in the end the prospective client can be a loyal buyer.
Girard Jor learn from experience, I always try to be good listeners for prospective clients. And it turns out to be good listeners, we will increasingly know what really became the main demand from prospective clients. Thus it will be easier for us in providing an offer, and will certainly make it easier to make the sale. Apparently it is true, among them well through listening to what is told by the prospective client, I can give something they really want. In fact, it can give more than they want.
So that ultimately they are happy to be a client of mine and even provides references to many business associates or other acquaintances told to consult or do business with me. Once again, basically someone wants to be heard and paid attention, then keep trying to always give attention and listen with sincerity. Being a good listener is certainly not easy, the need for continuous training and practice.
By increasing the ability to listen well and also practiced by your salespeople, then it will help in increasing sales in your business, both in the short term or long term
Driving without a Mouse Pointer
20.47
This one simple aja ....
Create temen-temen all who may have experienced or even death Mouse often disrupted by sudden, now have headaches ga,
Just use the existing keyboard as an emergency replacement for the mouse pointer mouse gerakin
how:
1. Sign in Accessibility Options control panel
2. Go to the tab Mouse
3. Check the Use Mouse Keys
4. Go to Settings
5. Turn on all the existing check
6. Pointer speed: = high top speed, acceleration = Fast
7. Pls MouseKeys Use NumLock is ... (On)
Then click the Apply button ..... wrong ...!!
now every NumLock Is On, we can gerakin mouse pointer with the number buttons on the right side of the keyboard (Num Pad).
This made the direction-Nyo:
2 = Bottom
8 = Top
4 = Left
6 = Right
1 = oblique Bottom Left
3 = oblique KananBawah
7 = oblique Kiri Top
9 = Top Right oblique
5 = OK (enter)
Hint: CTRL Tekian make nambahin pointer speed, press Shift to make kurangin pointer speed.
Okay?
Let's share!
Create temen-temen all who may have experienced or even death Mouse often disrupted by sudden, now have headaches ga,
Just use the existing keyboard as an emergency replacement for the mouse pointer mouse gerakin
how:
1. Sign in Accessibility Options control panel
2. Go to the tab Mouse
3. Check the Use Mouse Keys
4. Go to Settings
5. Turn on all the existing check
6. Pointer speed: = high top speed, acceleration = Fast
7. Pls MouseKeys Use NumLock is ... (On)
Then click the Apply button ..... wrong ...!!
now every NumLock Is On, we can gerakin mouse pointer with the number buttons on the right side of the keyboard (Num Pad).
This made the direction-Nyo:
2 = Bottom
8 = Top
4 = Left
6 = Right
1 = oblique Bottom Left
3 = oblique KananBawah
7 = oblique Kiri Top
9 = Top Right oblique
5 = OK (enter)
Hint: CTRL Tekian make nambahin pointer speed, press Shift to make kurangin pointer speed.
Okay?
Let's share!
The award as to the Employee Appreciation Form
01.31
BUSINESS to gain professional employment in accordance with the demands of the position required a sustainable development, namely a business planning activities, organization, use and maintenance workers to be able to carry out tasks effectively and efficiently.
As a concrete step in the coaching staff then held that the award has shown a good performance. The sense of appreciation in the company often in the form of a plaque and a sum of money from company employees who have the achievement. There are also companies that provide rewards to employees for years of service and dedication can be used as a model for other employees. Giving the award because the employee intended to motivate passion and loyalty of the company.
The awarding of these is the company's efforts in providing fringe benefits on the work of employees, thereby encouraging employees to work more diligently and potential. Employees need an award at the time of his work has been to meet or even exceed the standards set by the company. This award can be a compliment. Not only if employees make mistakes get insults from the leader. Employees work has the objective, among others, to earn revenue to the needs and desires can be realized.
An employee will receive job satisfaction if memersepsikan that it receives benefits such as salary, incentives, allowances and other awards that are not shaped the material for the implementation of the work done worth more than his sacrifice in the form of manpower and costs that have been issued to carry out the work. Founder Performance Management Main Page Yodhia Space explained, sort of a gift or an appreciation award to the company's employees.
It can be caused by several things, among them the performance or work performance or exceeding performance targets, were charged. There's also because the gift or appreciation because there is such a special race conducted by the company. For example race or a race of innovation, such as total quality management award.
"Gifts for employees who have given exceptional dedication to the company. For example save the company assets from external interference, "he explained. Companies also often provide rewards for employees have successfully completed special projects faster than the deadline, and the quality is satisfactory. As well as a reward for years of service.
Let's say after 20 years of work, then get a gift of gold pin from the company. Of the several types of awards above, light Yodhia, all good. Unless the award associated with the award adding kerja.Dia not always associated with working. Such awards are considered less afdol because it tends to not be able to motivate employees. According to him, prizes or awards given feasible because it can motivate employees to deliver more performance or performance bagus.Ini will also generate a sense of pride for employees. "So encourage them to be more productive at work," he said.
If for the award given race competitions, such as innovation or Quality Management. Usually the existing standard criteria, concerning aspects of breakthrough programs, the ease of application and financial impact for the company. Sien Consultants Human Resources Consultants of recommen Handoyo added that the award is a personal acknowledgment or better known by the identification of one person to another. Where a person identified as the performance and achievement in the possession while working.
Awards can bermacammacam, is in the form of bonuses, promotions, additional responsibilities for some employees can be a burden, but for several other employees can be a point reward for themselves. But, surely the company must deliver more value. "Sometimes not all about money," he said.
The best form of appreciation is to make the employee know if he was valued by the company, not only by a small group of people. Some companies sometimes put photos of the most outstanding employees in the factory area to assert that these employees can be role models for others.
He explained that the company should give awards to employees. Their thinking is simple, because the company had to place employees as part of the capital, and very unfortunate if the most valuable capital that was released only because the personal is not appreciated
Troubleshooting for Maintaining Marketing
01.22
Not long ago we heard the shocking news that one of the world's major automobile companies doing a recall to repair (recall) millions of car production.
Recall done because there is damage that must be fixed. This policy is taken to maintain the safety of the driver. Furthermore, there was also news that one of the world's leading antivirus companies must immediately improve its products. Antivirusnya product turned out to cause disruption to the users computer. Or we also still remember there was a water company that was one of the leading competitive products should be withdrawn from the market. Its production is not considered eligible health.
Maybe there who think that it could just be because of an unhealthy business competition. Or maybe there who think that these incidents are related to negligence of the company. However, regardless of background or the cause is more important to note if these things happen to us is: how do I split / solution so that customers remain loyal to your product / service.
The goal is to not interfere with the target marketing that we have planned. Due to these events, to some extent will affect the level marketing company, whether short term or long term. There's a saying "There is no ivory that is not crack." Indeed, although we've been doing a variety of existing regulatory process, sometimes still possible to be an error in the production process or its implementation.
Thus, to be able to obtain a larger market share again in the long term this is an obligation we have to do. Among provide products / services that satisfy consumers both in short and long term. And in a business that we do, more or less there will be challenges in dealing with, among other outcomes / quality of production is sometimes less than optimal or unable to provide overall customer satisfaction.
In this regards there are some things we can do when we / company / business we have experienced something that is causing customer dissatisfaction. Among them: 1) Do not let the occasional look like a simple problem becomes a big problem. If we already know from the start that something that looks small, but later can disrupt the marketing of the product / service.
He immediately began to make repairs before the other party to give a sense of dissatisfaction. And if there is party / consumer who does not like the product / service, we must begin to open for improvement. Not only give-denial denial that sometimes it backfired for us. So it will need customer service center so that problems can be resolved early.
As well as a more integrated system of course. 2) If necessary (if indeed an error on our part), give an apology to consumers as early as possible. Then we can also provide compensation to existing customers, such as giving discounts, bonuses, etc., that can calm the atmosphere.
This is to prevent problems that result in a protracted decline in the image of products / services that will affect us in our marketing target. 3) Make the events that have occurred as a very valuable lesson. Time to make a better system that later can minimize the errors we do not want.
4) Furthermore, we must focus to immediately carry out repairs and providing more positive information, especially to the consumers / customers / our loyal customers. And continue to do follow-up or communication approach with our customers, for example if we have a fairly comprehensive data base, we can give the holiday greeting, birthday and so on with more intensive. Because it can help us retain our marketing in the long term. (*)
CCTV CAMERA VIEW
20.44
Still on the simple things nih .....
For temen-temen who want to see the situation in various regions of the world through CCTV cameras, please follow the few pointers below:
1. Go to Google
2. Typing this code: inurl: "ViewerFrame? Mode ="
3. Select the State where you want to see
4. Banned photography of people bathe yo?
In fact there are many kode-kode/syntax to bring CCTV images, but I think that is more effective (I think).
Those who refused to add this information, please ...... and I say thank you.
viola!
For temen-temen who want to see the situation in various regions of the world through CCTV cameras, please follow the few pointers below:
1. Go to Google
2. Typing this code: inurl: "ViewerFrame? Mode ="
3. Select the State where you want to see
4. Banned photography of people bathe yo?
In fact there are many kode-kode/syntax to bring CCTV images, but I think that is more effective (I think).
Those who refused to add this information, please ...... and I say thank you.
viola!
TEXT BACKWARD
00.21
Well this time only a slight information made the Bloggerozt, who enjoys writing with eccentric characters and there's no upside-down-style "weird".
Examples of writing upside down:
ii ʇәƃuɐq ƃuәʇuɐƃ ი әoɹɐ 3381
Weird examples for writing JERUKLEGI SEMENDHEH:
נ єяυк ℓ єgι ѕємєи ∂ нєн
jerυĸlegι ѕeмendнeн
јεɾυќlεģï ṡεṃεṉḋhεh
jєruklєgí sєmєndhєh
j3ruk139! 53m3ndh3h
JeRuKlEgI SeMeNdHeH
Кlє ן єг ย و เ ร є3є ภ 4ђєђ
ĴĔŔÚĶĹĔĞĨ ŚĔМĔŃĎĤĔĤ
ノ ΣЯ ㄩ к レ Σб ⅰ ㄅ Σ ㎡ Σи ∂ サ Σ サ
Well, if you want to use these facilities, simply visit some websites such service providers include:
www.sherv.net (Flip + Weird)
en.fliptext.net
www.revfad.com
Well, not bad for a little variety and treat her punk style are you?
And make no mistake, this article could make writing in Shoumix, Comment form, even when writing on the page Friendster, Facebook or elsewhere.
If it is not prohibited by the Blogger, definitely I'll post the ways to download the "ignorant"-i FRIENDSTER and FACEBOOK your friend ... hehehe !
Btw, this is only used to make the ABG ... !
LET SHARE!
Examples of writing upside down:
ii ʇәƃuɐq ƃuәʇuɐƃ ი әoɹɐ 3381
Weird examples for writing JERUKLEGI SEMENDHEH:
נ єяυк ℓ єgι ѕємєи ∂ нєн
jerυĸlegι ѕeмendнeн
јεɾυќlεģï ṡεṃεṉḋhεh
jєruklєgí sєmєndhєh
j3ruk139! 53m3ndh3h
JeRuKlEgI SeMeNdHeH
Кlє ן єг ย و เ ร є3є ภ 4ђєђ
ĴĔŔÚĶĹĔĞĨ ŚĔМĔŃĎĤĔĤ
ノ ΣЯ ㄩ к レ Σб ⅰ ㄅ Σ ㎡ Σи ∂ サ Σ サ
Well, if you want to use these facilities, simply visit some websites such service providers include:
www.sherv.net (Flip + Weird)
en.fliptext.net
www.revfad.com
Well, not bad for a little variety and treat her punk style are you?
And make no mistake, this article could make writing in Shoumix, Comment form, even when writing on the page Friendster, Facebook or elsewhere.
If it is not prohibited by the Blogger, definitely I'll post the ways to download the "ignorant"-i FRIENDSTER and FACEBOOK your friend ... hehehe !
Btw, this is only used to make the ABG ... !
LET SHARE!
Advanced Country Love More than Suggestion Compliment!
01.20
JAKARTA - In making Indonesia into an advanced nation, it needed a compliment rather than criticism. Because the credit for making something hidden talents become extraordinary that led to innovations that eventually become a fruitful achievement.
It is said to be the originator of the Business Records ReBi and the founder of Handi Irawan D Tera Foundation, told reporters in his speech at the Business Record (ReBi) at the Hotel Starting Senayan, Jakarta, Thursday (03/06/2010) night.
"Countries that developed normally much of a compliment than a criticism, but instead developed countries that are not usually a lot of criticism than praise," he added.
Through thoughts like this that becomes the initiator for various awards for her popular in Indonesia, such as: Top Brand Award, ICSA (Indonesian Customer Satisfaction Award), IMAC (Indonesias Most Admired Companies), Marketing Award, ReBi, and a variety of popular awards in Indonesia .
An early achievement was the implementation of an innovation may be simple. Among many innovations, not everything can be realized. Moreover, an innovation associated with the business.
He also said that obstacles to the achievement of the most common is the low motivation. The other great Pengambat is the lack of respect for employees.
"Whereas it is important that they endorse the process for growing the seeds of innovation that eventually became fruitful achievements," he concluded
What is strange in Google
20.35
Please try some things on Google below:
1. Write the word "googoth", and press / click "I'm Feeling Lucky" or "I'm feeling lucky". sampeyan will then immediately brought into a dark appearance and impressed google gothic.
2. Write the word "ewmew Fudd" and press / click "I'm Feeling Lucky" or "I'm feeling lucky". then you will soon be brought into view a text version of google with figures from the Warner Bros. Elmer Fudd.
3. Write the words "xx-Klingon" and press / click "I'm Feeling Lucky" or "I'm feeling lucky". then you will soon be brought into view google with tribal language Klingon.
4. Write the word "google bsd" and press / click "I'm Feeling Lucky" or "I'm feeling lucky". then consider the usual icons become icons google bsd.
5. Write the word "google linux" in the text box and press / click "I'm Feeling Lucky" or "I'm feeling lucky". then the usual google icons become icons linux.
6. Write the word "google easter egg" and press / click "I'm Feeling Lucky" or "I'm feeling lucky". then be treated to a display Temen2 google search engine with a game to catch the Easter egg, where temen2 can control the motion of a rabbit.
Unique Fair .....
Let's share ...!!
1. Write the word "googoth", and press / click "I'm Feeling Lucky" or "I'm feeling lucky". sampeyan will then immediately brought into a dark appearance and impressed google gothic.
2. Write the word "ewmew Fudd" and press / click "I'm Feeling Lucky" or "I'm feeling lucky". then you will soon be brought into view a text version of google with figures from the Warner Bros. Elmer Fudd.
3. Write the words "xx-Klingon" and press / click "I'm Feeling Lucky" or "I'm feeling lucky". then you will soon be brought into view google with tribal language Klingon.
4. Write the word "google bsd" and press / click "I'm Feeling Lucky" or "I'm feeling lucky". then consider the usual icons become icons google bsd.
5. Write the word "google linux" in the text box and press / click "I'm Feeling Lucky" or "I'm feeling lucky". then the usual google icons become icons linux.
6. Write the word "google easter egg" and press / click "I'm Feeling Lucky" or "I'm feeling lucky". then be treated to a display Temen2 google search engine with a game to catch the Easter egg, where temen2 can control the motion of a rabbit.
Unique Fair .....
Let's share ...!!