Business and Finance Analysis

Posts Tagged ‘Business’

Prof. Dr. Adler Haymans Manurung, professor of Asian Banking Finance and Informatic Institute (ABFI) Perbanas said, the food business has remained the number one. In addition to capital is not large, involving less labor, and the velocity of money in it very quickly. It could even be more than 100 percent.

But before the culinary business hope you succeed, you need to know some of the factors that influence whether or not developed a culinary business. Dr. Handito Joewono, from Arrbeys, strategy and marketing consulting firm, said the factors that make customers come first is the quality of food. This relates to flavor food and raw materials.

Quality of food is divided into two parts: the real quality and perceive quality. Real quality over the least tasty food, and raw material usage. As if there is a restaurant that makes rendang, coconut milk should be plenty.

“And the consumer will not like it. Many coconut milk instead cause illness later. So employers have to combine good culinary quality real well, “he explained.

For the middle to lower real quality becomes more important than perceive quality factor, because they prefer the taste. As for the upper middle, perceive quality factor becomes more important. Food is not just tasty, but the safety and comfort while dining is also considered. For example, taking into account health factors of food are made.

The second factor about the place. In the science standards, the place should be strategically located. But later, the place is not so to be an important element. Because there are several restaurant businesses, although not a strategic place, still in demand. Problems of this place, Handito stressed that there should be an important match between food and consumers the intended target.

The third factor is the perception. “Among other factors, this perception is the most important,” he said.

Perception is very important, especially for the newly opened culinary business. The perception could arise from the use of symbols, both in exterior appearance and interior room. In addition, the perception is also constructed of how to package the food, or how to serve customers. Perception is then people will always remember about a place to eat.

For small culinary businesses, three of these factors is sufficient. But for businesses that want to develop into larger, the fourth factor, namely the promotion, is absolutely necessary. The way to the current promotion stuff. Via the Internet, distribution of brochures, installation of banners, billboards, and others can become a media campaign. That there are two major campaigns, namely through the mass media and consumers to borrow tongue. Wearing this consumer tongue, the most effective promotion.

If the business has grown large restaurant, already has branches everywhere, the five factors that must be met is to have a standard operational procedure (SOP). Good for culinary franchised, or not. Of course using the same SOPs, among other resto resto one with a shelter under the same name and management, as well as forms of ministry. Both in the matter of choice made food menu, presentation, how to serve customers, up to the physical form looks.

In simple terms, futures are trading, commodities, currencies, or securities in a certain amount, with certain specified price level now, and commodity / financial instrument is delivered at a specific time in the future. People who do this transaction in the future expect prices will be higher, so that he can profit by buying now. While the option is the right to buy or sell a commodity, currency, or securities, at any given time, at a price in the future. In contrast to futures, options buyers are “not obligated” to make a purchase or sale, but only given the right to buy (call option) or sell (put option) only. Call option will be executed if the price at maturity is higher than the price agreed at the time of purchasing the option. Conversely, a put option will be executed if the price at maturity is lower than the agreed price at the time of the purchase option. While the warrant is a right or option given to the old shareholders to buy shares at a price (subscription price), the ratio and time. Warrants are similar to a call option, although they have fundamental differences.
# In general, investing in all three instruments are not in accordance with the teachings of Islam. In short, there are two main reasons behind it. First, it contains elements of all three instruments gharar (high uncertainty). In a sahih hadith narrated by Imam Muslim from Abu Hurairah ra, Rasulullah SAW is expressly prohibits buying and selling (by the way) gharar. Uncertainties that exist in all three transactions is very high. Second, the three instruments also contain elements of maysir (gambling). Maysir explicitly forbidden by Islam, as Allah SWT says in Surah 5: 90-91. With a pattern of transactions as described above, the space leading to speculation that gambling is very significant. Moreover, there are elements of a zero-sum game, where if one party benefits, then the other party must have suffered losses. In simple terms, the mechanism of short selling is divided into two stages, namely the short sale and repurchase. At this stage of short sale (short selling), an investor (eg Mr. X) F to brokers to borrow shares, which shares the F is also borrowed by the broker from other investors. Of course there are a number of fee (interest) to be paid Mr. X because of this stock lending. Then Mr. X F are sold stock to the market at a price of Rp M (current market price), with Mr. Y as a buyer. This is the first stage. Later in the second stage (stage repurchase), Mr. X will buy back shares at a price of Rp F N (the current market price). After that he will return the shares to the broker. Mr. X will get a profit if USD M> R N. Otherwise, Mr. X will incur a loss. This mechanism is of course not sharia-compliant for several reasons. First, there are elements of usury, because borrowing shares is carried out based on riba (see Surah 2: 275-281 on the prohibition of usury). Second, sell something that does not belong to us are not allowed in Islam. Rasulullah SAW said: “Thou shalt not sell stuff that is not yours” (Abu Daud, Tirmidhi, Nasa’i, Ibn Majah and Ahmad). Mr. X in this case the stock traded that was not hers. Third, there is an element maysir or gambling, because the element of speculation is very apparent in this transaction

When his parents died he inherited fields and gardens. If the rice fields and he was in earnest, and only occasionally into labor just to get cash. One moment the pretty garden, that’s when he was faced with a choice: buy a motorcycle when it was trendy or buy a cow that can breed.

Relatives and friends in the village said, “The Prestige (shame) not have a bike again …” But Basori “against the flow” of opinion in his village, he bought the cow instead of a motorcycle. For the purposes of transportation he uses his old bicycle.

The result, cows continue to breed. From the results of these cattle Basori finally able to buy three bikes for himself and his family. While his friends who used to choose to buy a motorcycle, now must sell to cover the various needs of life.

We learn one thing from Basori, currently has a excessive use of money for something that could generate or breed is not for something that adds to expense. If we spend something for the sake of pride in our long-term loss. Conversely, if we use for the prestige of the investment will come to us in the future.

The choice between investment and prestige not only in the village Basori. But it happens also the lives around us. How many people are willing to use borrowed funds to improve the appearance merely for the sake of prestige. However, much of whose lives remain simple and used the proceeds to increase or multiply his investment.

To be sure, prestige makes a lot of people make their lives miserable while investing our lives more and more prestigious. So, let’s invest and bury prestige

Benefits of Financial Planning

Financial planning provides direction and meaning of your financial decisions. It gives you an understanding of how each financial decision you make affects all other areas of your finances. For example, purchase insurance products may help you to secure your assets or income potential, so that your work will be more peaceful, and family that you love will be protected financially. By viewing each financial decision as part of a whole, you can consider short-and long-term effects on your life goals. You also can more easily adapt life changes and feel more secure that your goals are still on track.

With age, increasing career and income increased as well then certainly you need increased certainty, and this means that costs will continue to grow over time. And there is nothing wrong if you start planning your finances.

Whether it is financial planning?

Financial planning is the process to achieve your financial goals through financial management carefully. Financial goal may be to buy a house, saving for the pilgrimage, your child’s education or your retirement plan also includes having the appropriate insurance needs.

Basically, financial planning is needed to determine a clear direction for the management of personal finances or our families. Without a clear direction and goals, we will not be able to manage our finances well. Without good financial planning, we will tend to waste money we earn with difficulty. Without planning, we will tend to spend money we have today for today’s needs. Employees with a monthly salary tends to behave like this, because it believes that next month he will earn a paycheck again. One of the common goals of financial planning is to ensure that at a future time, we will be financially free, that we will have sufficient funds to meet our needs.

Money management is the process of managing money. It includes investment, budgeting, banking and taxes. It is also called investment management.

Money management is a strategic technique employed at making money yield the highest of interest-yielding value for any amount of it spent. Spending money to provide answers to all cravings (regardless of whether they are justifiable or not to be included in budget basket) is a natural human phenomenon. The idea of money management techniques is developed to plummet the amount individual, firm and institutions spends on items that add no significant value to its living standard, long-term portfolios and asset-basins. Warren Buffett, in one of his documentaries, admonished prospective investors to embrace his highly-esteemed “frugality” ideology. This is the basis of every sound money management formulas. The following are powerful techniques that can be employed in making every expense made to be worth it:

1. cutting your budget on social needs
2. avoid any snob-appealing expense
3. always go for the most cost-effective alternative (establishing small quality-variance bench-mark, if any)
4. increase expenses more on interest bearing item than any other thing
5. establish the expected benefits of every desired expense using the canon of plus/minus/nil to standard of living value system.

These techniques are investment-boosting and portfolio-multiplying.

The Tax Club

Inteva Products is expanding its manufacturing operations in Brazil locking systems, with the opening of a new plant in Cordeirópolis. In addition to production lines for regulators and bolts, the new facilities provide for enough space to accommodate its planned Inteva to business expansion. The new plant Inteva closure systems will employ approximately 100 people and replaces an existing plant in Limeira.

Inteva Products is well positioned to expand its business in the rapidly growing automotive market in Brazil. We are excited about the growth prospects we have for all our product lines and we are pleased to join in the Cordeirópolis business community, “said Lon Offenbacher, president and CEO. “Our proven performance in quality, talented team and innovative design technologies together to drive growth in this important region.”

Inteva Products Brazil provides services to many major car manufacturers worldwide, including Renault, Volkswagen and General Motors. By October 2011 is planned grand opening ceremony. Limeira Inteva operates since 1999 and his team have recently been recognized for the quality of their performance, after reaching zero PPM with Renault for 12 consecutive months.

The line of closure systems Inteva has operations in 17 countries, where they make lock and latch systems, and doors. Systems Inteva latch bolt and form a market-leading portfolio of latches, strikers and actuators due to its competitive functionality, robustness and excellent performance, while minimizing the weight, size and cost. In door systems, Inteva designs and manufactures products ranging from window regulators to modern composite components, fully integrated. The doors Inteva modules offer customers a product specialist design that incorporates multiple features and functions into one piece, resulting in greater reliability in performance and reduced complexity in the assembly.

Keeway Empire Group, the first motorcycle assemblers of low and high engine capacity of the country, proud to announce as part of its strategy in shaping its management team, the Group announced the entry Keeway Empire Jose Ricardo Paez, who took over as new Director General company. Paez in his new position will be responsible for leading the achievement of production goals and sales of the year 2011 marks Empire Keeway and Benelli.

Graduated from the University of Louisiana in the U.S., and a postgraduate degree in Business Administration from the University of Carabobo, Jose Paez has over 25 years experience in the Venezuelan automotive industry. Among the positions held previously, highlights important positions in companies such as Ford of Venezuela, Bavarian Motors SA and MMC Automotriz.

“My main goal now as Group CEO Keeway Empire, is to integrate and bring my experience to an organization that has a combination of a solid investment in the country and a reliable source of supply which is a high quality product valuable human capital to consolidate the first place and position in the market

Using Social Media Carefully: Keeping Companies and Brands on Good Terms
Social media becomes a sensitive subject when people use it in a negative way to post offensive material or make disparaging comments. Even worse is when these negative posts become connected to the company they work for or are about the firm they represent.

Bad News
Not many people are likely to forget the two Domino’s Pizza workers who made a mockery of their employer or those from Taco Bell who posted pictures of rats in the restaurant. Other companies fear that their intellectual property and proprietary information may end up on Facebook or YouTube.

From people exhibiting a lifestyle that contrasts with the values and ideals of their employers to those who tweet about things that show their organization in a racist light like the recent Albuquerque police officer, social media must be used carefully and a way that leaves the company in a good light. Despite the Albuquerque police officer being punished for his offensive Tweets, he carried on and is now involved in an investigation, involving pistol whipping. Taken together, social media may not be working in the favor of the local police department.

Good News
But, for seemingly every example of one bad apple in the social media barrel, there are examples that illustrate the benefits of bringing employees and social media together. A Dutch study noted that innovation improved with employees that were given access to and full use of social media tools.

Numerous employees around the world have used their personal social networking sites to praise their employers or help with viral marketing initiatives, noting that social media, when used correctly, can also help and organization and make employees feel involved in creating positive change.

Smart News
What an organization may need to think about is a social media policy that provides a framework from which to show their employees how they think social media should be used when they are representing themselves as part of a company or brand. Companies must tread carefully in terms of balancing employees’ rights to free speech with concern over intellectual property rights and potential defamation of the company’s reputation.

New legal studies are asking companies to tread lightly with employees who might use their personal Facebook and Twitter pages to complain about their jobs. Employees have to vent and as long as nothing inflammatory or defaming is said, it is important to let them have their space. However, important areas to address immediately are posting that have racially charged rants, company secrets, or other types of inside information.

Spend more hours each week on your job hunt. Finding a job is a job! Treat your job hunting just as you would a normal job and work a normal number of hours per week, at least 35, preferably 40 in the process. This will cut down dramatically on the length of time it takes you to find work. Did you know that the average person in the job market only spends 5 hours or less per week looking for work? With that statistic, it isn’t surprising that it can be a long, tedious process. Improve your chances and demonstrate your discipline and determination. Devote Sundays to answering ads and planning your strategy for the next week. Don’t spend precious weekday hours behind a computer. You need to be out there researching leads, networking, and interviewing. Work smarter for yourself!

• Concentrate your job hunt on smaller companies. Most new jobs will come from smaller, growing companies, typically with fewer than 500 employees, not large, restructuring companies. Although larger employers are more visible, well known and aggressive in their search for employees, it is with the smaller companies that you may have the best chance of success in finding work. Pay particular attention to those companies that are expanding and on their way to prosperous growth…they are easier to approach, easier to contact important personnel, and less likely to screen you out.