Business and Finance Reviews

Archive for 2011

The impact of the global economic crisis for Indonesia has the potential felt by the end of 2009. To be safe, market participants need to be aware of what sedasyat impact on investment. Furthermore, what a safe investment in times of crisis.

Before determining the type of investment, Financial Planning Aidil Akbar Madjid predict, the economic crisis which caused the United States (U.S.) is likely to improve after the U.S. presidential election.

But at that time, conditions in the country Indonesia will last general election (election) so that a new crisis could be eased in the second half of 2008. “The elections in the country also need to be considered for investment,” he said.

Well, to deal with uncertain situations, Aidil advised fund owners to invest in gold bullion or residential property (landed house).

Aidil revealed, long-term-oriented investors who can collect the gold bars. These investments are relatively safe because its movement is not dependent on the domestic fundamentals.

Meanwhile, investment in the property sector is a fairly safe residential properties such as residential and home store (shop) or a landed house. Investing in apartments is less effective because the investor only has the right to build.

Even so, he reminded the investment in the property sector needs to consider a rate hike. Because the property is currently the majority of payments made with credit system. In fact, higher interest rates will lower the levels of credit and ultimately slow the growth and development of real sector.

However, he warned rising interest rates are now quite alarming. The impact will occur in offices and apartments because it is excess supply (over supply). So, people also need to consider the price of apartments is very high now.

Even so, Aidil add stocks and mutual funds also still be an attractive investment. It was triggered by a decline in stock prices that memeri opportunities for investors.

Crime in the banking industry re-bloom this month. After the Special Criminal Investigation Directorate Jakarta Police arrested an employee of the account officer of PT Bank International Indonesia Tbk (BII) Ekajaya Branch, Mangga Dua Raya, West Jakarta, yesterday, Headquarters Police also arrested a Citibank employee initials MD.

BII employee was arrested on suspicion of embezzlement credits worth Rp3, 6 billion. Meanwhile, the detention MD allegedly embezzling customer funds totaling more than Rp17 billion.

Mode MD is a crime committed transactions and the recording does not obscure the true against some of the slip transfer withdrawal of funds on the customer’s account. After that, move some funds belonging to clients without permission into several accounts controlled by the MD.

Meanwhile, credit embezzlement involving employees in the bank and borrower credit DCB initials, the initials HA. “Borrowers credit we still pursue and search the list of people,” said Director of the Special Criminal Jakarta Police, Police Commissioner Yan-Fitr, the beginning of March.

According to the Bureau of Public Relations Head of Bank Indonesia (BI), Difi A Johansyah, still the presence of the crimes committed employee of a bank, not necessarily due to the wrong system. Could be, because the nature of the culprit. “Therefore, the current banking system is sophisticated and well,” he said when contacted VIVAnews.com Difi in Jakarta, Tuesday, March 29, 2011.

For that, he gives some tips for banks in preventing crimes committed employees. Include the following:

1. Banks should conduct due diligence and propriety (fit and proper test) for the officials or employees of the bank.
2. Place or select employees who have a high dedication to the company.
3. Do not get bored or complacent to conduct the audit.
4. Prioritize and re check.
5. Verification of customer data.

“So, when the teller would transferring or withdrawing money transactions the customer must notify or seek approval from their superiors first

Full Guarantee, What’s in It?

Full management of PT Bank Century Tbk, which fell into the hands of the government making demands of a full guarantee of customer funds in national banks grew louder.

Businessmen, economists, bankers and board members, even the Bank Indonesia rate imposed by the government guarantee is still half-hearted. Why? Limitation of the maximum guarantee of Rp 2 billion per customer at one bank is still considered risky. Because only accommodates 98 percent of its customers.

Though there are still two percent of clients with total funds estimated at about Rp 600 trillion, which is not guaranteed. Data from Bank Indonesia as of September 2008 deposits in national banks reached Rp 1603 trillion. That number means more than a third of third party funds.

Research Director of Infobank Eko B Supriyanto said if not immediately anticipated, funding hundreds of trillions that can move wildly. Information he gets, the owner of the funds above the current $ 2 billion already contacted the banks in Singapore to run their funds into lion country.

The customer is considered a potential running his own funds to countries that provide 100 percent guarantees. In the region, some countries are already doing that. Call it Singapore, Malaysia, South Korea, and Hong Kong. Australia also chose a similar move.

The government itself still survive with the amount of customer funds in accordance Perpu guarantee issued some time ago. Government fears will lead to a full guarantee of moral hazard.

So what’s in customer funds guaranteed? Bank Mandiri president director Agus Martowardojo some time ago said, the full underwriting will make the customer comfortable.

According to him, full collateral should have been done at this time. So that the customer is more comfortable, should funds be guaranteed not only dollars, but also foreign currency deposits.

Another senior banker, Sigit Pramono also requires a full warranty. Full underwriting profits, said Sigit, can improve the security of customer funds in a bank, thus reducing anxiety due to the crisis.

Another advantage if done full collateral, according to economist Tony Prasetiantono, high interest rates could be lowered gradually. Higher interest rates lead to war interbank interest rates.

Full collateral, says Toni, also effectively halt the migration of funds from small banks to large banks due to issues clearing, holding capital outflow and strengthen the rupiah.

If rates fall, Kadin chairman MS Hidayat said the beneficiaries are entrepreneurs. Because the source of funds in the country will be cheaper. Conditions that will greatly assist employers since last October because many exporters who are not getting orders again due to the weakening economies in Europe and the United States.

As a result, employers shrinking sales turnover so inevitably they cut their production capacity, which means it will reduce the number of employees. This occurs in the absence of new markets for Indonesian products.

Indeed, LPS has issued the stance if the funds are not guaranteed. The trick, easy. Owner of the funds above USD 2 billion live spread their funds in banks. But the demand that the customer funds was nevertheless fully guaranteed low tide. Now all parties expect the government to soften his stance.

The global crisis makes market participants, either money or stock market ups and downs, not to mention the domestic market. Even in mid-October, panic peaked. Portfolio investors dumped due to a number of issues that ultimately makes mensuspensi Indonesia Stock Exchange trading.

Chief Research Officer of Capital Price Roy Sembel to Viva news some time ago revealed, in fact Indonesia’s economic fundamentals are relatively better than when the crisis 10 years ago. Capital market conditions in recent years caused more by panic.

Referring to the economic condition of Indonesia 10 years ago, when stock markets fell by 50 percent, there are similarities with Roy assess the current conditions. But the difference, then the condition of Indonesia’s economic fundamentals devastating because the center of the ‘earthquake’ was in Indonesia. While the epicenter of this crisis in America 2008.

In 1998, Indonesia’s economic growth minus dozens of percent, inflation to grow tens of percent, non-performing loans reached 40-50 percent, and foreign exchange reserves was only U.S. $ 20 billion. While currently a relatively good economic growth in the range of 6 percent, 11-12 percent inflation, non-performing loans of less than 10 percent and foreign reserves are still above U.S. $ 50 billion.

Sticking to the fundamentals at this time, said Roy, who happened on the stock market over the sheer panic that resulted in high pressure selling. But for the astute investor, this time they actually see a lot happening in the market discount. “This cycle of 10 years. So I recommend for long-term investors, this is the time hunting big discounts,” he said.

But for investors who want to play in the short term, Roy suggests they do not enter the market first. Because stocks can still be down 10-20 percent more. “But what’s a 70-90 percent reduction, if 7-8 years from now the price jumped to 7-fold or more,” he said.

He believes another 2-3 years of rising prices. “So this is an opportunity to enter the market for a big sale. But if you can go in stages, not all at once because there are still opportunities decline again, though not great

Foreign exchange derivative transaction losses suffered by banks have increased in January 2009 amounting to Rp 5.4 trillion or an increase when compared to January 2008 amounting to Rp 3.6 trillion. Foreign banks suffered most losses of derivative transactions.

BI statistics show most foreign banks contribute to the derivative transactions. For losses, foreign banks accounted for more than half the total losses of derivative transactions.

Derivative transactions are transactions whose value is derived from underlying instruments such as interest rates, exchange rates, commodities, equities, and indices, both followed by movement and without movement of funds / instruments.

According to BI data, the number of losses from derivative transactions of foreign banks in January 2009 amounted to Rp 2.8 trillion. After that followed a national private banks, foreign exchange amounting to Rp 1.5 trillion. The rest comes from a mixture of the bank amounted to Rp 850 billion and small banks most exposed red plates derivative transaction losses of Rp 255 billion.

During 2008, the derivative transaction losses soared to Rp 20.1 trillion from Rp 11 trillion in 2007. As for the benefits of this transaction also increased Rp26, 742 billion compared to 2007 amounting to Rp 13.1 trillion.

Derivative transactions lately more often heard as some banks and customers suffered losses due to exchange rate agitation. Some banks even have to add permanganate such as Bank Danamon reserves the Rp800 billion, and Bank CIMB Niaga the reserve 400 billion for derivative transactions.

This transaction also raises the bank disputes with customers such as those experienced with PT Bank Danamon Tbk PT Elnusa, and Esa PT Nusantara Paper. Disputes are also experienced by Citibank and PT Jewels Green Palm.

When you visit a website / web sales, refer to the subject matter covered in the e book bisnet. Have your wishes in accordance with the criteria or not?

• Find lots of information on the Internet through search engines like goggle. About the responses of people about the quality of the product / e book. With so much information is obtained calculate the percentage. So the logic of the many responses, what percentage that say good and not. If 70% of all e-books claim it is beneficial for their business clients or a really good quality and in line with expectations. It seems reasonable for you to try / buy.
• Product Owner / Builder E book.   looking for as much info! but my advice is better to buy e-books business with people who had long been concerned with the internet marketing world and has been successful before, so the risk can be minimized to be fooled. Although it did not rule can still be fooled. . (again speaking of logic .. no effort to survive long if not correct / trick.)
• Community / Member. exactly how this kind of personal approach I recommend to you before purchasing a business e book. Suppose one of them has a blog / site, you can approach the admin blog by sending an email or better to ask directly via YM. Find someone who can be invited to discussing and you think proper. Keep more than two people as a comparison.
• Service. If the 3-5 has been applied also note their service services, how services once a member, whether satisfactory and true? whether it can really guide you. Because as long as there are still some I have heard complaints from members about the service given dissatisfaction. In a sense after making payment / transaction business ebook, then you are told to walk on his own alias ignored.

One important step before you start a business is analyzing business competition / competitor analysis. You should review the literature of the competitors, to see how they represent their business and what kind of public image is built. Often the business literature includes mission statement and also identify their specific products and services. James W. Hart, a marketing expert, offers tips competition analysis that includes measures such as the following:

• as customers with enough money. Phone a competitor in your area and speak with a representative from the company as you are the potential prospects who are looking for information. You can inquire with the formula 5WH (Who, What, When, Where, Why and How) to provide intelligent questions and get answers about the strengths and weaknesses of your competitors. One of the most important thing to succeed you have to do is make them send their sales & information package to you, where the package will be explained about their products and services. Your competitors business literature will tell you in detail about their public image, and besides that you can learn the strengths and weaknesses of products and services they offer in detail. Make sure you also learn how they handle calls from customers, processing information requests, and how long the inquiry is ultimately up to your hands. Can you offer a better communication system? How to display business cards from them? Small things like this can give you an idea of ​​your own strengths and weaknesses, so it can be determined whether you can compete with them or not. Are you going to compete on price or service better?

Tips Before Buying Ebook Business

If talking and pay attention to developments in Indonesia e book business seems to have no end, can be likened to death one grows 2.3 to 1000. From the increasingly rampant bidding online business e books is certainly part of Internet users / potential buyers will be more confused myself buying choices where appropriate, proper and good for them, not to mention doubts coupled with negative issues about some e-books are marketed.

I’m sure as the world of internet marketing developments online business in Indonesia and our thoughts as a beginner will grow anyway, because the process that makes us more intelligent and can sort out which business products beneficial and detrimental.

Back vassalage major, I ask you, what you buy e book basic purpose of business?

* Is it just want to just become an affiliate / reseller to take advantage of every sales transaction via your affiliate link?
* What to look for a reference place to learn, additional information is needed, teachers, guidance, community?
* Or want to get rich quick from buying the e book.?

Well if you are the last intention of the questions I mentioned above, mild exit from this free online business blog …! because it seems useless this article was written when read as a freak * hue.

Hopefully you are not one of those weirdos

Seen there are four main window, the following description of each window based on the number I put in the picture:

1. In the first window, there are two choices of Forex Rates and Lates News.
Forex Rates window is to display the value for each currency prevailing at this time, here we can see the description on the existing columns

* Currency: indicates the currency pair that you can choose
* Last: indicates the last position value of the currency pair
* Bid: show the selling price that will fit into your transaction if you do sell order
* Offer: indicates the value of the purchase price that will fit into your transaction if you do buy order
* Change: show the changes that occur at this point, indicated by the arrow up or down
* High: indicates the position of the highest value ever achieved for this day
* Low: indicates the position of the lowest value ever achieved for this day
* Time: shows the time in the event of a change in the value of the currency pair row

Here we can see the difference in value in the column price offer (buy) and the price bid (sell). Differences purchase price and sale price is also called the spread.
While the window Lates News featuring news about the economy and currency is happening today, you can use as a basis for your predictions

2. In this second window there are two choices of Charting and Discussions.
Charting window shows the graph changes in the value of a currency pair, you can change the look of this chart by clicking the right button of your mouse on the image graph. You can first try and see the changes that occur.

Discussions are useful window for talks with fellow members and also with Marketiva Support Staff is ready to help you at any time, here you will also find a special discussion room Support Staff of Indonesia and Indonesia-speaking at the International Support.
Indonesia to find the discussion you must first click the Group button and click the box on the writings of Indonesia, then a window will appear discussion Indonesia.

3. In the third window, there are two options, namely Portfolio and Signal.
Portfolio window shows kodisi or your financial portfolio, here you can see the forex transaction you are doing, how much margin you use, the amount of your current benefits and the remaining amount of your money. Here are divided over the use Live Trading Virtual Trading real money and using virtual money.
Signal window displays the signal that you get if you subscribe to signals provided by the counterparty Marketiva.

4. In this fourth window there are four choices of Orders, Trades, Positions and Account Center

* Orders: Contains records of transaction orders (order) that you do
* Trades: Contains records of trade (trade) you’ve ever done
* Positions: Contains records of your current position that goes well underway (open) and a stop (stop)
* Account Center: Contains details of your account, your data and your financial condition

If you still do not understand about the above, you can ask to use the Indonesian language to Marketiva assistant on international support in the chart room. Support personnel are people with a nick that is the letter ‘i’ (information) in front nicknya, they will be happy to help you understand the ways to transact in Marketiva.
To start trading you should already know how to analyze price movements, with Technical Analysis and Fundamental Analysis. This knowledge can you get a lot of reading e-books on forex and forex forum follow many are widely available on the internet.

PayPal is a tool for transacting online that can accept payments from credit cards and PayPal account transfers from one another, and the good news had reached Indonesia PayPal. People Indonesia can now use PayPal in full-featured. You can accept credit card payments from your customer for every sale of products on your website, you can receive or make payments to other PayPal account, you can receive payments from the sale of your product on ebay.com, or you can ask for the delivery of money from colleagues your business. In short, PayPal is your online account to trade and receive money online. And the money is collected later in the PayPal account you can melt into your bank account throughout Indonesia within 5-7 working days. So you get a dollar from the sale of a product or service and will be converted into dollars, so you receive the money in your bank account is in rupiah.

In opening an account on PayPal.com, PayPal provides three types of accounts you can choose according to your needs are personal accounts, premier accounts and business accounts. Personal accounts are used for personal you intend to use PayPal for online shopping without any intention to sell products online, while for Premier and Business accounts are used for those who wish to use PayPal as a payment on your website in selling your products and services on the website . Premier and Business account serves a similar function, but with the addition of multy-user access is a PayPal account can be accessed by more than one user when you select a business account. Business Account earmarked for the company, so you open a PayPal account in the name of the company while the premiere of using personal names. To get started you simply open a premier account and you can upgrade later.