Business Tips and Marketing Advices

Does it have many credit card is good ?

We recommend that the customer is more mature and wise in having a credit card while still considering the level of need and ability to pay off credit cards that have been used. So that customers will realize there are consequences of credit card ownership compared to ability to pay.

How BI responding to customer complaints related to these debt collectors?

The bank and the customer must pay attention to ethics in business and comply with applicable legislation. In the rules we have outlined the principles that should referenced in carrying credit card debt collection activities that should not be carried out contrary to applicable law, among others, clearly prohibits the practice of violence, threats, and other inappropriate treatment in the negotiations. Although the bank delegates the billing to a third party, but the responsibility of the bank mandate giver.

When customers feel aggrieved bank customer what should be done?

Customer needs to clarify with the bank first. In terms of the settlement effort in the bank does not satisfy the customer then the customer may request mediation banking.

If there is a problem between the bank and the client how the client should behave?

In accordance PBI No.7/7/PBI/2005 about Customer Complaint Settlement, as amended by PBI No.10/10/PBI/2008 about Customer Complaint Settlement, customers can submit complaints to the bank’s problem. Furthermore, in the case are not satisfied with the settlement in the bank, customers can apply for a banking mediation (if the dispute meets the requirements as set forth in this regulation on banking mediation No.8/5/PBI/2006 as amended by PBI. 10 / 1 / PBI/2008).

Is true if one uses the services of a lawyer streets or street lawyer in repayment?

Using the services of a lawyer is the right of every citizen, however, to consider various aspects before using the services of these lawyers. In addition, the settlement payment between customers and banks in general depend on the outcome of negotiations between the customer and the bank where the granting / denial of the restructuring of the authority of the bank completely.

What is your advice when it comes to customer debt collector?

Present problems with payment difficulties encountered polite, and keep good faith  the customer to pay off debts.

And what must be done before the debt collectors come to the customer?

Customer should have good communication with the bank regarding the issue of payment difficulties faced  negotiations and bill payment.

Your feedback about credit card, what to put customers first before using credit cards?

The urgency of the credit card usage. That is, customers need to be prudent to determine whether the transaction with a credit card is needed or not. In practice, the customer uses a credit card with a reason to get a discount or easy payment installments on a product. This needs to be considered again by the client given the risks the imposition of interest or penalties that continue to cling on every transaction that has been done using a credit card.

Many people still do not understand about how to wisely use a credit card so that ultimately stuck huge debt bondage. Communities also do not understand about the matter of compound interest credit card so that it can lead to soaring bills.

Jump in credit card bills that lately sticking out his case for causing the death of a customer’s credit card. Uniting Nations Secretary-General is the Party (PPB) Irzen Octa (50) who died in the process of loan repayment to Citibank debt collectors.

Victims on Tuesday (3/29/2011) morning went to the Citibank credit card bills to question the swell. According to the victim, the credit card bill of Rp 48 million. However, the bank claimed his credit card bill reaches USD 100 million. There, the victim was taken to a room and questioned by a third person who is a debt collector 2 people and 1 employee of Citibank billing. In the process, Irzen dead and now police are investigating.

Irzen death was also caused turmoil surrounding community behavioral services debt collector or debt collectors who were often rude. Customers are generally not comfortable because sometimes behave inhuman debt collectors, while the bank admitted need the service to resolve claims.

How to avoid credit card bill that does not swell? And what if it turns out unwitting credit card usage has exceeded the ability to pay? Here’s an explanation from the Chairman of the Banking Mediation and Mediation Investigations Directorate of Bank Indonesia Banking, Martha  encountered in the BI Building, Learning from violence cases debt collectors do you think about this? How best to respond to customer and bank arrears bill?

In accordance with the provisions of product transparency, banks should clearly convey information about the liability to be borne by the customer due to customer credit arrears.

We recommend that customers should understand well the obligations inherent in the use of credit cards so if have arrears and payment difficulties then the customer should immediately contact the bank to inform them and apply for an extension of the payment of such restructuring, reduction of penalty, or interest. The important thing is the good faith of the customer to pay off its obligations.

How should customers use credit cards to avoid high bills caught up?

We recommend that customers use credit cards wisely and adults that use according to need and ability to pay credit card which only serves as a means of suspension of payment must be repaid on time.

It should be understood by the customer has a credit card that does not mean having additional income. Besides, customers also need to consider concessions revenue / income that is used to cover the bills to pay.

Every time you use your credit card to pay for something my old customers have been added debt means that if not immediately paid will be no calculation of interest incurred as a result of paying bills late or pay less than the total bill.

So the thing to remember is every time you use your credit card will be no additional debt, try to pay off prior to maturity.

The principle of sending a facsimile over wire-line (telephone) and then via radio began in the late 1800′s. It wasn’t until the 1970′s that fax machines, similar to what is in use today, were made commercially available with the release of the Exxon Qwip.

These early fax machines were expensive and could only be afforded by companies with a serious need to communicate drawings, design sketches or signed documents between locations. Because of the synchronization required between machines, only devices of same manufacture could communicate. Standards did develop and eventually in the 1980′s the analog audio signal that transfers the pictures between two machines became international standards. By 1996 the last of the analog fax signals were retired in favor of new digital signaling.

Up until this time fax machines printed there received messages by direct thermal printers hat actually burned the paper with the printed image. Improvements came in the form of thermal paper which was expensive and resulted in a printed copy with a short life-time. It was not accepted in archives or as documentary evidence in some courts of law unless it was photo-copied onto regular archival paper.

Nowadays, fax machines print out excellent copies on regular bond paper with ink systems similar to modern laser printers. And with the transfer to internet faxing protocols, it is easy and much more reliable to send a fax than it’s ever been.

Dated January 23, 2012 will be the turn of the calculation of the Chinese new year to coincide with the year 2563 the water dragon. For people who believe in Fengshui course will be wondering what happened in this dragon?

In water dragon expected a lot of business in decline, even predictable flow of business difficult, but some are experienced advancements in business because of hockey this year.

In general, according to Chinese belief that there are 12 symbols in include (in order) rat, ox, tiger, rabbit, dragon, snake, horse, goat, monkey, cock, dog and pig. Also known in the universe of five elements: water, soil, wood, metal and fire.

Here is an interview detikFinance with Fengshui consultant John Cokrowibowo better known as the Temperature Yo, to detikFinance, last weekend when met at his office, in Mangga Dua Square, Jakarta.

What is the meaning of the water dragon year in 2012?

The dragon zodiac that has not been seen of the 12 zodiac of all people. If zodiac dragon in the most difficult to predict, a lot of bad than good. This is exacerbated this year if this year the water dragon year, there will be major flooding will occur in January 2012 and December 2012, a year flood will occur.

Year of the dragon special meaning today?

Nagar water is a green dragon, the dragon is ferocious, vicious dragon, dragon with no mercy. Specifically related to the economic meaning, that the enemy is a metal dragon. So the businesses associated with the metal element of business will fall. As gold prices will reach Rp 650,000 to Rp 1 million per gram of it would happen in 2012.

Besides car prices will soar this year, because the metal element. This is because the metal is ‘fear’ with water.

Most business seen from the weak economy by the floods and long dry season, the plants and crops will increase the price, because demand is less plentiful supply, there will be a food crisis. The most feared any pair of sea water, so that fish prices will rise.

Can you an example of a phenomenon that will occur in the water dragon?

Seen again from the side of the dragon, that dragon is a creation of China, although in some cultures there, but the outline of the Chinese people who made the dragon, it will boom in 2012 was China’s products, such as electric motors, energy efficient cars from China would flood many countries, including fruit and plastics were from China, including fabric. Year 2011 has seen many factories closed as factory clothing, bags, and bucket factory was closed.

Then what business would not benefit this year from Fengshui glasses?

So metals, agricultural products, it’s not earth elements close to the water, then the land will be destroyed because most of the water, the metal will be destroyed by water, cloth and paper will be destroyed by water. Metallic elements will be destroyed by the water element.

But the only metal that can be lucky in 2012 with the fire element, such as electronics, such as power plants, electricity generation business people must be rich.

Was not that the fire was ‘lost’ with water?

It is precisely the balance of yin and yang, this year’s business associated with the fire is pretty restaurant business will not fall. The person who opened the restaurant will run, electronics, electricity will run everything.

If heavy business this year what?

The heavy crops, water, paper, including the water business, such as bottled beverage plant will be destroyed will fall because the water so the water met  or unlucky (bad).

This year zodiac whichever category chiong?

Namely goats, dogs and buffalo, as SBY and Barack Obama also chiong, for 3 years. Year 2012 is the largest existing chiong most unlucky buffalo. Which rises this year are rats, snakes, rabbits and dragons.

Then what are you related to economic penerawang year of the dragon?

When viewed economic development in 2012 the price of gold will reach Rp 650,000 to Rp 1 million (per gram), a premium price to Rp 6000, Pertamax prices can be up to Rp 10,000 due to rising oil prices. Then land prices could double as gold prices rose.

When land prices go up high, what about the prospect of property in the year of the dragon?

I am now Fengshui some agency, property consultants such as the prices are usually sold USD 1.8 billion could be sold at Rp 4 billion, everyone shop, shop selling 3,000 units a month out. Sell ​​shop to shake the unit, everyone scrambling investment, it sold the house again, because who have money to buy all, rather than the flowers do not exist.

So the property including the rise this year?

So the ride was in addition to earlier is the food business, the property will go up, but make no mistake a few (developers) property would have difficulty because they had received the money first (DP), if prices have gone up all the building materials, including cement, it will be a headache as well .

From the hong shui, a nice home in 2012 this is overlooking the East and South. This is because the dragon out of the North, people looking for her all the South East and South.

Why do people sell property more expensive USD 10 million compared to facing south overlooking the north? I see my own laugh, because more people are looking for all the South, try to check it. South is more expensive USD 10-20 million it definitely, everyonesouth, north it did not sell for 2012. Some of these are people of South

To be afraid of is, with increasingly high property prices, the high price of gold, that is where the increasing social inequality, the less security. Grassroots people want to have a house not able to eat more and not capable of so much evil presence.

When viewed the property in 2012, developers are afraid to sell, developers fear the price of land and building prices keep rising. As the Supreme Sedayu after Green Lake City, with the consideration they keep the price of first-year building first saw this 2012 trip.

From various calculations before, if people want to start a business in the year of the dragon is how?

People do business that depends on the fate, there is a chance. That’s how the business opportunities there are close to someone and give them opportunities and hard work, both are important. There are also elements of hockey, how they make money like a good zodiac-zodiac earlier.

For zodiac-zodiac that was not good enough like dogs, buffalo, if the business would there still be a chance this year?

Better still do not, or they partner with a zodiac with a person who fashion good.

So business is booming year of the dragon?

All persons who conduct business related to the element of fire, all in demand. Electronics and restaurants. Electronics demand, as people who trade the HP electronic products China was in demand, rather than not be able to buy a BB, which is not able to better choose to buy a Chinese-made IDR 300,000 HP that can surf all. Finally someone who sells HP China sold really.

What about the stock market broke down?

If shares of the cycle is always the number 8, for example, the fall of 1998 exchanges, in 2008 and in 2018, 2005 there was a decrease over 2008 but fell again. Indeed, for the stock to market in Indonesia has always fallen  8. Enough to fall in 2012 but will tumble further in 2018.

Condition 2012 macro, from the cycle of Fengshui, resembling the conditions of the year when you?

This year will be more like 2008, if 1998 was not crashed once, but if the 2008 collapse of the entire world economy. Fuel will definitely go up.

The conclusion?

Year of the dragon can not read it, would collapse economic order, the order states, political problems. This year’s pattern of gray can not be touched too much, although after all the dragon needed by people, then there is the term dragon head line or lines of business. Now this is the year 2012 the emergence of the water dragon’s head, then the economy could be good if the year then next year would be nice, but if this year is poor, the next 11 years will continue to bad economy.

Business Opportunities And Investment In 2012, Business Opportunities, Business, Investments. The industrial sector of food, service and hospitality industries, as well as mining and energy is estimated to be experiencing a boom in 2012. In domestic demand towards the service industry, hospitality, and food in the country will increase.
As for the mining and energy due to demand in some countries that are not affected by the crisis are also quite large, “said Didik J. Rachbini, Head of the Research Institute, Research and Economic Development (LP3E) Kadin Indonesia, in Jakarta, Wednesday, December 28, 2011.

Business Opportunities And Investment In 2012

According to him, the growth of community groups who have high purchasing power is currently quite large. Thus, the demand for the service sector and the hospitality and food products will continue to grow.
He called, still the consumption sector will contribute about 60 percent of economic growth. »However, if the government can not maintain comfortable conditions for businesses, the growth in the domestic industry will be below the government target,” said Didik.

He mentions, the growth rate of 7.1 percent in 2012, the government pegged quite rational when balanced with the level of mortgage interest rates are low. So even with the infrastructure and energy, especially electricity are adequate. »Flowers banks are still not friendly, but Bank Indonesia has lowered the BI Rate,” said Didik.

Business Opportunity In 2012

Chairman of the Chamber of Commerce and Industry Suryo Bambang Sulisto expect bank lending rates could be on the level of 8 percent or less. The reason, he added, the Bank Indonesia benchmark rate (BI Rate) has been a 6 per cent.

According to him, BI efforts not followed by a decline in interest rates of commercial banks. He indicated the existence of inefficiency of commercial banks. “The contribution of commercial banks in corporate investment and working capital is still low,” he said.

Investment which is distributed no more than 25 percent and working capital of approximately 21 percent. As a result, call him, this is less encouraging development of the real sector.

The same thing also expressed Didik Rachbini. He called, inefficiency can be seen from the high bank operating costs, interest costs, as well as the cost of risk. All the components were still in flower components.

Changing the Mindset Employees Become Entrepreneurs

Changing the mindset entrepreneur mindset illustration Employees  Being a successful businessman or entrepreneur do need a process that is not instant, can be quite long time. A lot of new things that may not previously thought, which emerge when we plunge directly into the business world. People say it’s business Fortunately yes, yes Loss. Business is full of risks, we not smart, do not do business, might not “lucky” but “Tank”. This is what makes most people in the end did not dare to take risks, to achieve success in business. Especially if you see the mindset of people in Indonesia who is still very fixated with their dream of becoming a  employee in the company, or become civil servants  that can provide sufficient guarantees in the old days. Do you also dream that was about?

Very great pity if the dream you just being an employee, there is a saying that says “Hang the sky-high ambition” not hang your ambition as high ceilings! Get used to not limit your thinking to the ideals of the small (tall ceilings) as an employee, but change your mindset to have big dreams (as high as the sky) to become entrepreneurs.

Then, how do I change the mindset of employees to be an entrepreneur? Of course this is not an easy job, because our mindset has always been set up to be an employee. Which parent would not be proud if her children worked in reputable companies, or institutions of government, so we automatically thought patterns begin to form to become an employee. Not to mention the educational institutions in our country that still lack giving knowledge about entrepreneurship, so that our entrepreneurial mindset is still very lacking.

Whereas in starting a business it takes two important factors, the first and the second skill is the mindset entrepreneur mindset illustration 250×175 Changing Mindsets Employees Become Entrepreneurship. Of factors that, why the entrepreneurial mindset is essential in running a business. For the entrepreneur mindset, a person will be motivated to always be productive and make new innovations to create a profitable business opportunities.

An easy way to establish entrepreneurial mindset can be done with some of the following stages. First, look at your own potential. Make a list of potential you have, then develop all the potential that exists, to create new innovations. Second, learn from the story of successful entrepreneurs who have successfully developed its business from scratch. That way you will be inspired and motivated to follow their success in running a business. Third, follow the training, seminars or sharing business that can help you find out all the excess and shortage of resources, that you can make as a business prospect. If necessary, perform site visits to see operational processes of a business. And most important of the three steps is that you must remain “Action!”, Because without action, then we would not dream will become a reality.

Good tips for business motivation this week could help you to change the mindset of small dreams, into the mindset entrepreneur with big dreams. Because, with skills that support and a strong mindset, you also can become a successful entrepreneur. Convince yourself to take risks, and try to take advantage of business opportunities all around you. Good luck and greetings success.

Get another view of others. Ask the expert. Entrepreneurs are always looking for advice from various parties, but the final decision is always there in his hand and can be decided by its sixth sense. Good communication and selling skill. In the initial phase of a business, selling skill is the key to success. And the ability to understand and master the relationship with customers will help develop the business on that phase.

• Hard Work and Work Ethos

You may often hear the Smart Work, but an represent not just use a quick and easy. He had to work hard. Entrepreneurs must deploy best of his ability in starting a business. Even while sleeping though his mind still works collect dreams and plans of work

• Hospitality

Befriend as much. At the same price and quality that people buy from friends, the price is slightly expensive, people will still buy from friends. Friends will help develop our business, give advice, help help during hard times.

• Befriend failure

Face failure with open arms. Failure is a vitamin to strengthen and sharpen intuition and our ability to entrepreneurship, as long as failure is not “deadly”. Every effort will always have a risk of failure where and when that happens, get ready and face! Small failures can be immunized for your business. You’ll never do the necessary preparation if had never failed before. When you fail, it means you have successfully found a solution to overcome.

• Do it now!

What are you waiting? Do it now. When you are ready, do it now. Manager always do READY-AIM-Shoot, but the entrepreneur will do READY-AIM-Shoot! Decide and do now, because tomorrow is not necessarily ours. That opportunity comes only once. Once you miss a second chance, do not expect he will be repeated again at the same time.

Provision to Become Entrepreneurs

start a business 300×200 Nine Gifts to Become Entrepreneurs

This time we want to share a stock for those of you who want to build a new venture alias to be an entrepreneur. As an aspiring entrepreneur, then you should really have tried to stock-stock that we describe below.

By having enough stock, then you will be ready to navigate the oceans of the world of business is full of challenges and competition.
1. Start with a dream.

Many people are afraid of even trying hard not to dream, especially amid the economic situation continues to squeeze as they are now. However, what happens? By refusing to dream big, then forever be the little guy. It began from a dream and will assure our product will offer. A dream is where it all started:  are always creating and making a breakthrough in products, the way of service, service, or idea that can be sold successfully. They do not recognize boundaries and attachment, do not recognize the word “can not” or “not possible”.
2. Love your products.

With the love of a product, you will easily provide all the power and strength of mind to succeed in your product. Products that you love will always look fabulous on your eyes. And consequently, when you promote your love of others can influence your potential buyers.
3. Learning and Learning

Many employers are reluctant to get a bit of success then learn and grow. And learn it knows no limits. When you succeed in a field, then learned more in that field. If you are more familiar with your work area, then you will find many new business opportunities that await your golden hands.
4. Dare to Take Risks

Dare to take calculated risks is a key early in the business world, because the results will be achieved will be proportional to the risk to be taken. A calculated risk well will give more chance of success. And this is the key factor that distinguishes “entrepreneur” with a “manager”. Entrepreneurs will be required at an early stage development company, and managers needed to manage a company that has developed.

The process of comparing business electricity prices is actually quite easy. Though it will require a bit of your time, the final results can be very rewarding. Many people simply do not consider completing this task, as they assume that the rates offered by various companies are similar. This is not always the case, as rates are based on many different factors.

The price of fossil fuels are one factor, but there are many more. The cost to deliver and maintain the supply often is a large part of the cost. There are indeed companies that are able to do this in an efficient manner without compromising the quality of what you receive on your end. This should also include stellar customer service. This is the best case scenario, as you will be provided with what you need, while spending less.

Use the internet to compare business electricity prices in the fastest manner. By submitting just a small amount of information, you will be presented with the best price that the company has to offer. Your business may need a customised pricing solution, and you may indeed be offered just that. Whether your business is small or large, there may be money to be saved. The current market works in your favor, all that is required on your part is that you take advantage of this fact.

Secrets of Successful Entrepreneurs

Many people are interested and intend to become a successful entrepreneur, but few who managed to make himself into a successful entrepreneur. In this case the major capital must possess is the willingness. The old saying “where there is a will there’s no way” is true. But to become a successful entrepreneur, not only the strong will is required. We need also to know the steps – steps, tips and how – the right way to achieve that success.

In this eBook will be given a lot of knowledge, tips and how to achieve success, especially to become a successful entrepreneur. Also given also 10 steps to become a successful entrepreneur figure, 14 businesses open secret, how to prepare a business feasibility, tips – marketing tips, 45 ways of effective promotion, 15 ways to get extra income, the key to business success, the way the right investments, and tips – tips to become successful entrepreneurs and others succeed.

If you already know the tips, and secrets of how successful entrepreneurs in this eBook, then you’ve led a step ahead to become a successful businessman and successful entrepreneur.