Business and Financial Watch

Posts Tagged ‘Indonesia’

Although its role in private sector business activity is very large but most family businesses do not last long because it failed in leadership succession and not able to handle internal conflicts as well.

In a conference on family businesses in Jakarta, Thursday, Director of the Jakarta Consulting Group AB Susanto of Indonesia explained that family businesses can survive until the third generation and only 24 percent until the fourth generation which is only five percent.

Recent survey by the Jakarta Consulting Group also showed that only three percent of the family company that was built in 1932-1943 who survived until now.

While the family business that was built in 1944-1955 and only two percent of family business that began in 1956-1967 only 10 percent survive.

Family company that was built in 1968-1979 and in 1980-1991 who survived until now each one as much as 24 percent.

Susanto explains the main problems faced by family businesses in maintaining business continuity is a conflict between family members, succession of leadership failures and problems in locating family members in business.

All three, he said, is a recurrent problem in the family business in addition to problems of management structure, distribution of compensation, competence, and the misalignment between the interests of families and businesses.

Have you worked hard toil, making money here and there, but the results are not yet satisfactory?

Whether the remaining time you have too little for the family only because it is tied with an exhausting routine of work and boring? Your daily stress, depressed because your boss intimidation, went to work in the morning and returned home full of feeling tired in the evening … and tomorrow you will repeat this routine.

Is this your life?

If your answer is “YES”, then keep reading!

I’ll show you how to change the conditions
you financially in a simple way, that you never imagined before!

Once you read this information, you will find abundant INCOME SECRETS reach … from the internet!

from simple business that is run in front of a computer,

begins with a small capital to run it,

only by working two hours a day, no need for long,

without the need to leave the child and his beloved wife,

and businesses run automatically!

Not fun if we could achieve all this?
So, read on!

Introducing, my name is Joko Susilo, M/33 th. If you think I’m the IT (Information Technology) … absolutely not! Basic education is my ARCHITECTURE, just to S1.

Below is a photo of me with the children and his beloved wife. Just like you, they are the greatest motivation we so willing to work hard day and night. Really not?

You can also see some photos of some of the results I have achieved from the internet business. You know, honestly … I could almost impossible to achieve all these achievements without the help of a unique business system that we will discuss here.

most families in Indonesia, would increase spending approaching Eid. The problem is whether the activity is carried out according to ability or beyond capacity? Well this is the danger if the activity is carried out especially with the ability to use aliases loan debt, especially credit card debt.

It would be nice if we begin to understand that debt can actually be managed or managed with the aim that the debt does not backfire.

Facts on the number of diseases that are difficult to cure the syndrome aka debt digging the hole closed.
Readers are wise, in general debt that occurred outside the inability to pay is the debt of credit card transactions. In order not to contract the disease syndrome debt then please use these signs:

Large debt repayments (principal and interest) up to 30% of the average of your regular income rather than a combined income of the spouse and not the accumulation of a bonus.

Explanation:

1. Maximum mortgage limit of 30% is a healthy ratio of family finances because 70% is used for investment as well as the needs of the monthly routine.
2. Not a combined income is part of the debt management & risk management to maintain if one of them stopped their income.
3. Not accumulated by the bonus is a bonus for non-routine nature, is also part of debt management.

Case

One has a credit card with a limit usage Rp 20 million, monthly salary of Rp 5 million, Rp 4.8 million bonus THR, In an emergency (if very, very forced) the maximum amount of usage of credit cards amounted to Rp 15 million with a minimum payment of 10 conditions % Rp 1.500.000, – (this is 30% of salary with no bonuses). However, we strongly recommend to perform a credit through Credit Card (very high interest).

More if our surgical cases, the payment is made in installments (not full), then it must be noted that the costs are very expensive, because the excess money is given to very large banks, let us compute: eg transactions made on the date. A Rp 15 million, the payment (the minimum) do date. 21 Rp 1.5 million are credit card interest rate is 3.0% per month, then a year to 36%. In fact, the interest you pay over 36% per year!

Both Bond and Stock markets, will still be quite volatile by negative sentiment from the global and regional markets. From the European region for example, Ireland needing bailouts to cover government debt; of the region triggered from Korea and China policy that continues to raise interest rates to restrain the rate of economic growth. How to boost market sentiment dosmestik against Bonds and the Stock market.

Bonds. Although still see Asian emerging market bonds
including Indonesia remains attractive, but the sentiment is negative domestic data showed foreign investors to reduce the portion of the bond market, the Government of Indonesia. This is due to
by a conducive economic growth, the potential inclusion of Indonesia in the category of investment grade in 2011, applying a disciplined fiscal policy and interest rates will be lower limits in 2011.

Shares. Unlike the bond market, the domestic stock market sentiment in fact positive. In addition to continued improvement in the Indonesian economy and specifically the number of IPOs of several issuers. For example, the largest IPO of Krakatau Steel
provide positive contributors to the index as a whole, with an increase of Rp. 420 (49.4%) on the first day to the 1270 level and $ 2 trillion trade volume.