According Engkun, women in leading firms were more able to turn challenges into opportunities that actually be the key in maintaining employment in a business unit. The survey also revealed more than 71 percent of corporate leaders requires tenacity as a priority to maintain a person at work, clearly Engkun.

Then, from the respondent’s answer concluded 53 percent of women are more resilient to face the problem, while only 51 percent of men who stand in the face of the problem, he explained.
Also concluded from a survey of 500 senior executives from various companies, it turns out 60 percent more women choose to work to improve career and 40 percent of placing women in positions of senior managers.

This survey was followed by an executive who occupies the position of Chief Executive Officer (CEO), Chief Financial Officer (CFO), Chief Operation Officer (COO) of various companies, he explained.
He also conveyed, the survey did not sort through the business sector, even for companies that rely on human resources development was more interested in women than men.

Engkun say, tough leader of the company is key to improve the competitiveness of the company itself. Results of the survey showed more women than men have this ability.

Meanwhile, Chief Leadership Officer of Indonesia, said Adrian Lajtha, resilience and adaptability to be the solution in facing the global economy filled with uncertainty.

Furthermore Advocacy Women’s Head of Operations, Neneng Goenadi say, through the results of this survey are expected to have positive contribution for professionals in Indonesia about the importance of perseverance in carrying usaha.Dia said, through training, mentoring, and the various roles of women executive power will be able to increase the resilience and confidence to occupy leadership positions.

Director of Neuroeconomic and Well Being Program Florida State University, Necati Aydin, said the Islamic finance can help if there are financial instruments based on real assets and implement risk sharing. Islamic finance can be helpful ”if there is no second hand market for debt and credit for private consumption, ”he said during a discussion of ‘Islamic Financial Solution in Global Crisis’ in one building at the University of Indonesia.

On the other hand, he said, the community also needs to be given training and education about financial instruments useful and moral education. Aydin added that capitalism has failed to bring happiness, while consumption rises. Capitalism also encourages the occurrence of insanity in the free market. The U.S. government issued a”substantial costs because of the free market this Madness, ”his critique.

He noted, the cost incurred to prop up banks in America could reach 4 trillion U.S. dollars. While the cost incurred by the federal government to reach 700 billion U.S. dollars for the Troubled Asset Relief Program.

source: Republika.co.id

Eggshell waste could produce art of crafting a beautiful decorative urn
Eggshells have only considered as waste, in the hands of an artisan pottery in Denpasar be transformed into a beautiful work of art. With a little touch of creativity, this egg shells can be used as an ornamental urns unique ornaments.
Uniquely, the use of egg shell waste was apparently started by accident and then there was such a brilliant idea. ”At first I see ( egg shells ) were trampled on the floor and I see that in the fiber-fiber-finishing look good, I happened to be engaged in terracotta and ceramic, I try to paste in ceramics,” said Robert Sihombing, one jar of skin crafter eggs that have pursue this business since four years ago.
After trying to stick an egg in a jar of skin smooth, but the result is simply stunning. Fragments of egg shells can beautify earthenware jars or other results such as lamp shades.
The process of making this egg shell ornamental urns are also quite easy. Initially, the jars are still plain as the glue smeared with a special glue, then cleaned eggshells that have been affixed to the surface of the jar. After paste, egg shells and then pressed using a finger up the crack and will appear as high-value artwork.
“After the pasting process is completed, the urn was given a color according to customer orders. To create a jar decorated eggs this only takes half a day, “explained Robert who is also the owner Gabe Arta Gallery in Bali.
During this time, Robert obtained a raw egg shells from a variety of food stalls located in Denpasar and surrounding areas so it is quite easy to get it. The price of a jar crafts ornamental eggshells varies. Starting from the cheapest to Rp 15,000 to Rp 650,000 ( Indonesia currency ), depending on the shape and size.

Quoted from the daily newspaper Kompas.

Location, packaged goods, and product quality are three important factors to sell online. Entering the era of transformation from conventional shopping to the e-commerce, few people now began to rack my brain to do business online. However, before starting a business online, there are some basics that need to be known. . Like conventional selling, location becomes an important factor determining successful business that will spin the wheel.

Traditional markets, shopping centers (trade center), until malls became the mainstay locations to sell conventional. Meanwhile, in cyberspace, is determined by the location of the domain. ”Domain names are not to be long, one or two words is enough, so easy to remember. Importantly, the products displayed in the display is an online store must be available, and can be sent immediately to the purchaser. In addition to locations, containers or packages of goods and shipments become an important key for online stores.

Therefore, an online store different from conventional stores, where consumers can get the desired items directly. Although the product should appear as good as possible in order to attract buyers, the quality of products delivered to the buyer must also comply with the promise of online stores. However, an interesting product and packaging is nothing without the support of a good customer service. You are required to build an online lifestyle. You must have good customer service, either through chat, e-mail, SMS, or telephone.

If the goods are shipped defective or damaged, you’re a store owner must be willing to replace or accept return of goods from the buyer. This is very important to maintain consumer confidence on the quality of your products and services.

Quoted from vivanews.com, May 2010.

It has become a common phenomenon that many of our colleagues, or the people around us who often complain that their financial condition messy.

Total debts were mounting and exceed their income, or even exceed the amount of assets owned. In such a condition that usually becomes the scapegoat is the small amount of income they have.

Though the roots are real issues rather than on the income side, but failure to manage finances. Many of us who have no financial planning, never even thought to plan for the financial condition, let alone in the future.

Financial planning is actually an essential activity that must be done by everyone and this is what will distinguish between groups of people who always stuck by the lack of liquidity and a group of people who can enjoy life. This paper will attempt to discuss in a simple, how one should begin to plan financially.

Diagnose the financial condition
The first step that needs to be done in preparing the financial plan is to diagnose the condition of our current personal finances. That need to be considered in diagnosing the financial condition is the amount of total revenue, total expenditure, the amount of assets and liabilities are debts that we have.

In general, it is clear that the amount of total income must not exceed the total expenditure. For people who have a fixed income each month so could easily be estimated in total revenue in one year, including non-regular income such as holiday allowances and bonuses. Then the expenditure should be governed not exceed its total regular income.

Non-routine income should not be allocated to bear the total expenditure, but must be allocated for investment purposes or to strengthen an emergency fund. As for people who have the type of income variable (not fixed), the total expenditure should not exceed 80% in average income.
Next postal matters more is the lessee. We often mistakenly define the assets in relation to financial planning.

Real asset is anything that gives the results or our support of productive activities. Simple example is the house we live in and the vehicles that we use can be classified into an asset because it supports our productive activity, while the villas, stereo sets, acoustic guitars, golf clubs and a second vehicle which we rarely use, certainly not an asset category. Savings and investment is one of the real intentions yielding assets.

Debt is a plural thing done and really not something to be feared. Debt is essentially adding our purchasing power by appealing to our revenues in the future into the present.

Matters more in terms of debt is the type and amount of debt repayment obligations that must be our responsibility. Home loans and productive vehicle is clearly a type of debt is reasonable and can be tolerated, but credit card debt is a type of debt that absolutely must be avoided. Interest rate credit card debt reaching an average of 35-48 percent per year and this is clearly a burden our financial liquidity.

Considering the high interest rate credit card, then use a credit card to watch out for convenience and comfort to the extent only and not to enhance our purchasing power by way of debt.

In terms of managing debt, the total amount of our debt repayment obligations should not exceed 30 percent of our total revenue. When we get stuck on the condition of the obligation to pay debts that exceed the threshold, then the debt restructuring should be carried out with absolute priority to the debts that have high interest, such as credit card debt, unsecured loans and the like.

Own Emergency Fund
The second step in preparing the financial plan is to check the availability of emergency funds that we have. An emergency fund is the fund at any time should be available when unexpected expenses arise.

Many people do not think the availability of emergency funds in their financial planning so that when unexpected expenses arise so frequently done is to increase buying power by creating debt, and the usual type of debts is debt with high interest rates such as credit card debt and credit / loan without collateral.

Whereas it is clear that actual debt should never be used as pledge to cover these unexpected expenses. This is where the importance of the availability of emergency funds, so we are not trapped high-interest debt.

The amount of emergency funds to be held in the financial planning varies, ranging from 5 to 20 times our total monthly expenses, depending on the load that we bear. When we were still single, then simply have a five-month emergency fund total expenditures, while more and more members of our family, the greater the emergency funds that we must prepare.

Is a simple benchmark of each family member to be borne by us should have an emergency fund five months of total expenditure. So that when we’re married and have two children, then the total amount of emergency funds that we have is 20 times the total monthly spending us. This emergency fund is not an investment category, but this emergency fund must be invested to expand. .

Types of investment options for an emergency fund is an investment which are liquid and have a level of investment risk is relatively small. Investment in an emergency fund is not for the purpose of growth but rather on the availability at any time and are not cracked by inflation. It must be realized that the size of this emergency fund should be increased in line with the increase in our standard of living.

Make a List of Expenditures
The third step in preparing the financial plan is to create a list of expenditures. At this stage it is checking to be conducted during this type of expenditure which we live.

Broadly speaking the types of expenditure can be divided into four sections, namely pay debt obligations, expenses such as routine household expenses, electricity, telephone, etc., investment and personal expenditure.

As already explained in the first step above, the obligation to pay the debt (repayments) should not exceed 30 percent of our total revenue. And this is the first priority must be placed on the expenditure side.

Defer payment of debt obligations will only lead to the creation of new debt opportunities in the future that have a higher interest rate. The second priority is to manage expenditures in the regular expenditure.

Must be clearly distinguished between routine expenditure and personal expenses. Routine expenditure is the kind of expenditures that absolutely must be done to support our productive activity, could not be saved without degrading the quality of life and can not be avoided, while personal spending is the kind of expenditures that must be sacrificed if the revenue decline.

Routine expenditure must be maintained in the range of 50 percent of our total revenue. When routine expenditures already exceed the threshold 60 percent of our total revenue, then we do not have the opportunity to invest.

As a result we will lose the opportunity to improve the quality of life in the future. So when a routine expenditures are nearing the threshold, we must work even harder for us to increase total revenue.

Investments must also be a priority in the allocation of “expense” we. This investment is useful to improve our quality of life in the future. Investments will acquire assets that we have and be a source of passive income.

Investment culture must begin done early, even how small our income. The amount of the allocation “expense” for the minimum investment is 10 percent of our total revenue. In order for this condition is reached, the allocation of investment rather than from the rest of our income after deducting the expenses, but had been allocated as soon as we receive revenue.

Please understand that investing is not the same as saving, because saving only provides asset growth rate is relatively very small. The younger the age of our greater weight (percentage) our investment in investment instruments that can provide a high return rate to support our financial future.

It must be realized that the investments that give high returns but have always had a high level of risk and the risk level should be fixed in accordance with the characteristics of our risk tolerance. The more established the condition of our economy, then the asset allocation in the form of investment must be getting bigger, until, in turn, we can achieve financial freedom if the results we received from our investment in working assets have exceeded or at least close to the results of our productive work.

Personal spending is the only type of expenditure which may and should be sacrificed when there is an increase the percentage of expenditures in the three headings of other expenditures. Postal delays and reductions in personal expenses will not reduce the quality of our lives and not harm our financial condition in future.

This is clearly different if we reduce our expenditure allocations to the three headings of the first expenditure priority. One way to control personal spending is to open a special account at the bank which is used to support these personal expenses and the account contained only the remainder of our previous month’s revenue after deducting the total of our expenditures in the three headings of expenditure priorities should not be rescinded.

This special account used to fund personal expenses in order not to undermine the three headings of expenditure priorities. Given the special account, then we also need not bother to calculate the allocation of personal expenses that may be performed.

Once we fix our financial situation then we should enter the fourth step, which is planning a short-term financial goals and our long-term. In determining the short-term financial goals and long-term financial goals should be clearly outlined to be achieved and the range of time to achieve it.

Target goals should be realistic and of course adapted to our conditions. Long-term target and then broken down into short-term targets and strategies for achieving that goal.

One of the most decisive factor of success in achieving financial goals is the commitment and order us to obey pre-determined strategy. Financial planner professional from the banking world can be engaged to organize our financial goals.

Hopefully, this paper provides inspiration for us to rearrange and improve our personal finances. Happy investing.

This tip is obtained based on the writings Harris Turino
Faculty Member Business School, Business Actors and Observers of the Capital Market and Strategic Management Doctoral Candidate, University of Indonesia

In addition there are also positive image of the place a person at work, work load, efficient time management, as well as many other factors. All of this will determine whether or not a person happy with the job he was doing. You can browse here. What are the causes of your unhappiness and then sought a way out.

1. Consultation on the psychologist’s career
Consider again if you think that the routine is the thing that becomes a stumbling block for you, taking into account the extent to which routines you can tolerate, and as far as what can make you depressed and burdened. Is routine associated with the interpersonal, physical atmosphere of the office, procedures / processes, or work, what makes you unhappy with the current job.

Consultation with the psychologist’s career can help you access the hidden self. You can follow interest tests and measuring instruments / assessments used in career search. That way, you can know the types of jobs / careers, and interests appropriate for you.

2. Alternative practical solutions
If you find a job / career that you live now less appropriate, consider other options to initiate a more suitable job. If you find a job / career you are now appropriate, consider what factors are inhibiting your satisfaction with current work. Decomposed as above, discuss alternative solutions to virtually everything that you can take to determine next steps.
See you all on the trend of previous periods. For example, in the last three years, you’ve changed jobs three times with a cycle that tends to short-time work, can be indicated that when you start to feel to master a thing, then felt the work performed as a routine, it means you are not challenged. If so, try looking for jobs that are challenging moderate (moderate) to boost your morale. Each unit must have a working range of the spectrum with the level of difficulty and complexity of the work differently.

3. Grow “mindset” positive
Discuss with your boss, the possibility of getting a new job responsibilities, which can increase your level of skill and knowledge. Ask yourself to engage in new projects related to your job role, if the open offer at your workplace. Join a professional group, which is in accordance with your profession, with expanded networking as well as update the new regulations, trends, and new sciences, professions related to your work. This of course would be beneficial for your company today and for you personally.

At least you can enjoy the work depends also on how your mindset to the job. Grow a positive mindset. Visualize things and interesting details about the work that has been established and you want to optimize. Embed it in your mind and your heart from time to time. This will encourage a love of work and make you are moved to clean and overcome the things that block the feeling like you’re on the job.

Good luck!

Classical nuance house decoration is now in demand. Armed with a little creativity and hard work, Tri Yuniawan Putranto (32) take advantage of these trends as a business opportunity. He then made antique lamps are cheap and attractive environmentally friendly because it is made of glass jars and bottles that had been used thrown away.

Initially, Tri got the idea to make an antique lamp when working on the craft of iron in 2002. The idea to develop this business also departed from the difficulty of getting a job. Graduate Diploma in Management III ASMI Santa Maria Yogyakarta was forced to work roughly on his brother’s private company for the difficulty of finding a job.

Only last year, the company folded. Tri again become unemployed. Recently married and have to meet the needs of families forced to immediately find a new job.

Lucky Tri and his wife were allowed to live together in his wife’s family home in the hamlet Srandu, Banjarharjo, Kalibawang, Kulon Progo, Yogyakarta. This dependence makes Tri inspired to start his own business.

Tri fun forged brass to be made as a craft. He also remembered with the idea to create an antique lamp. He soon after glass jars used in traditional markets and buy a brass metal sheets.

One jar purchased for Rp 2,500 to Rp 15,000 (Indonesian currency), depending on the size of the diameter. Brass size 120 inches x 36 inches with a thickness of 0.3 millimeters bought for Rp 65,000 (Indonesian currency) per share.

Round jar with a diameter of 10-15 centimeters was washed clean. After that, sheet brass cut to length to fit around the mouth of the jar.

“Brass, I made a place of light. When measured precisely, I forged brass with a chisel to create circular patterns or stripes, “he said.

Tri also design lights and saucer buffer, also of brass material. It took more than a week to create the first antique lamps. Most of the time it was used to pierce Tri glass jar as a lamp shade hook. To make a hole should be done carefully in order not to break the glass.

After creating a model of antique lamps, Tri continue to face capital constraints that thin. However, their product is known, he dared to follow the craft exhibition held in Kulon Progo around the year 2004. The response of visitors to the exhibition of handicrafts antique lamp high enough.

“After the exhibition, antique lamp manufacturing orders continued to flow. Slowly I began street businesses, “said the father of this child. Following the exhibition with a product presents a good example of a capital business success.

To support the production process, Tri recruit five workers. Two of them are his own friends. The rest were young men who are unemployed Srandu hamlet. Making antique lamps originally done in the yard. Tri has not been able to establish their own working studios.

New challenges emerge

Deadline is limited from the buyer to make Tri could not stay long to make an antique lamps. He must find a way to vent the jar as quickly as possible without breaking the glass. In fact, the process is the most time-consuming.

“I finally put an electric drill is given diamond eyes. Expensive, but it neatly. Formerly one of three jars must be broken when punched. Risks can be minimized now becomes one in ten, “he said.

Another innovation is to modify the water pump into grinding machines to smooth the surface of the jar. In order not to break when eroded grinding, edge of the jar or glass bottle closed tape.

Indeed there is no demand for perfection in an antique lamp. Glass cracked, dented metal, or a dull color even enhance the value of an antique lamp. The selling price could be a good light and even more expensive.

Tri caught up with production deadlines. Now he is able to produce an antique lamps outboard 2-3 per day. For the chandelier, he could produce 1-2 fruits per day. Within a month, Tri capable of producing 100 antique lamps.

Prices lights “jar” by Tri varied, ranging from Rp 150,000 to Rp 1.5 million (Indonesian currency), depending on the complexity of the design. Earnings obtained USD 15 million to Rp 30 million (Indonesian currency) per month.

To enrich the design ideas, visit the Tri diligent traditional markets, such as market and Beringharjo Klithikan in Yogyakarta. He also often exchange ideas with other makers of traditional crafts while attending the exhibition.

The first few years, Tri-made lamp only marketing at local stores, such as in Mirota Batik and various art galleries in Yogyakarta. Later products began ogled exporters to be marketed in Europe and Asia.

The extent of this marketing impact on the number of reservations. End year 1000 Tri lights get an order from abroad. Tri to recruit dozens of workers from around Banjarharjo. Each paid labor Rp 35,000-Rp 50,000 (Indonesian currency) per day.

“I’m quite happy because it gives busy to village youths who are unemployed. Some of them even inspired to his entrepreneurial world as a source of livelihood even if they are in a different path, “said Tri usual Iput is familiarly called.

Antique lamp business travel is still a long Tri. Much effort has been invested in the Tri a working studio is about 4 meters x 4 meters. In order to further his efforts, he did not hesitate to ask a bank loan up to USD 100 million (Indonesian currency).

Tri-making also began serving the antique lamp with a special design in accordance with the buyer desires. There are no restrictions imposed order because for Tri customer satisfaction is everything.

With this system, is also not worried Tri unrivaled artificial products or imported into force along with the free trade system with China. According to him, traditional handicraft products made with hands, not so easy to imitate the plant will always have a place in the hearts of consumers. “I’m not afraid to attack China or India products. The quality of their manufactured products will not be able to match my artificial product, “said Tri-confidence.

Tri-made antique lamps not only lift a domestic handicraft products or create jobs. But more than that, Tri also play a role in efforts to prevent global warming because it actually produces a product which is the result of recycling of waste that had been wasted.