Director of PT Asrinda Arthasanga (Asrinda RE Brokers) Tavip Gamalsyah said it was assessing the lack of insurance players in the airline business is because the coverage is very complex objects that require specialized knowledge related to the conditions and risks.
In addition, the lack of capacity in the country urged the insurance brokerage firm to transfer the risk premium on foreign brokerage firms such as Lloyd's of London.
"Apart from lack of knowledge, risk coverage capacity of domestic insurance companies are also very limited so that the premiums largely run out of the country," he told Bisnis.com, today.
Meanwhile, the business potential in the aviation sector in Indonesia is very large in line with business growth paskapai local flight, currently at about five airlines.
Tavip explain the current insurance players who entered the aviation insurance coverage is very minimal, to a large category only PT Asuransi Jasa Indonesia, which cover the company's state-owned airlines such as Garuda Indonesia Airlines and Merpati Airlines.
"Because of limited capacity and understanding of aviation insurance, the players in this business very little. To a large category only Jasindo, whereas only a small risk sharing," he said. (Fh)
JAKARTA - The accident did not want every person. But who can resist if disasters such as floods that hit Jakarta some time ago in unexpectedly appeared in front of the eye. Unaccounted losses that must be borne by society due to the disaster.So be grateful, if you happen to take out, do not bother looking for money for such repair damaged homes or cars that crashed due to the flood hit. Simply submit claims to insurance companies, you will receive compensation.At first glance, people think the insurance business will suffer a setback due to having to pay a claim, perhaps in an amount not less, from its customers. But what happened instead, the interests of the insurance actually increased.In a situation full of country risk and political climate heats plus the natural disasters of floods in Jakarta and a number of homeland territory, to make people or businesses begin to look to insurance as an alternative option to reduce the losses from the risks that might face in the future.Of course this is an opportunity for the insurance business to attract new customers. Economic situation has not improved, apparently did not significantly affect the interests of insurance follow, which is important to redress if something unexpected happens in the future.Bak tit for tat, the insurance company did not want to just wait for prospective customers to come. They are also more proactive and industrious offer its products. But the true interest of people in the higher suransi?Star General Insurance Director, Djunaidi Mahari said, there is an increase of new customers, although not too significant that go into business after the flood disaster in Jakarta. This increase is a sign (signal) is positive for the insurance business, because it started there is awareness of the community about the importance of insurance."Flood disaster yesterday, this has positive implications on the interest of people to get insurance. There are after seeing other people get compensation from insurance companies, then became interested take insurance, "said Djunaidi.
New CustomerSimilar delivered PR PT Asuransi Jasa Indonesia (Jasindo), Puji Astuti Dewi stating, post-flood definite influence on the increase of new customers or old customers to extend at least another insurance policy.But actually, according to Goddard, the public interest to insurance already has increased since the 1998 riots tragedy ago. "The increase in new customers is certainly there, not since the flood but has since there is a riot a few years ago," he said.Seeing the conditions above, many insurance companies are optimistic that the insurance business is still very promising in the future. Despite increasingly tight competition, but the potential to grow too big.This is evident from the premium income from both the insurance companies who have increased each year.PT Jasindo for example, earned premiums amounted to USD 618 billion in 2000, a year later increased to Rp 1.4 trillion.While Star General Insurance, as said Djunaidi Mahari, in the period from January to March 2002 alone, the premium income has increased to 24 percent over the same period the previous year.Facing intense competition, said Djunaidi, insurance companies must strengthen the quality of their products to compete with products from other companies.Therefore, in addition to Star General Insurance has a conventional product, also has a superior product.This superior product that became the spearhead to attract new customers. Featured Products Star General Insurance is PERISAY which is a special product for retail. It consists of PERISAY PERISAY home and its contents, car and PERISAY PERISAY health.Similarly, PT Jasindo who had been working on land corporation exists, in the past two years also start reaching the retail market, of course with its own excellent products. "Even at 2001 retail products from PT Jasindo has produced a premium of Rp 127 billion," said Puji Astuti Dewi.
Flood ClaimsFlooding for a number of insurance companies not only bring opportunities to attract new customers, but it also must spend money to pay customer claims.Djunaidi said that, despite claims that enter in large numbers, but not to interfere with his insurance company's cash flow. Because, at the same time offset by an increase in customer numbers and increase in premium income.In Star General Insurance, said Djunaidi, the total claims due to the incoming flood to March 2002 reached Rp 28 billion, about 60 percent of claims come from corporate customers, the remaining customers to lower middle."Of that amount, to be borne by us amounting to Rp 3.3 billion, the remaining mortgage insurance," he explained.Meanwhile, the Goddess of Puji Astuti of PT Jasindo said the customer claims that enter into PT Jasindo as a result of the floods reached about USD 70 billion, and it did not disrupt company cash flow, given in previous years premiums earned PT Jasindo somewhat large ."That new claims came in and has not done the research, because every insurance claim must be investigated first whether the numbers match or not," said Goddard.
Still PromisingAlthough the economy has not recovered, the insurance businesses remain optimistic about the insurance industry will flourish. The entry of foreign investors can not be viewed lightly.But as they say Djunaidi Mahari, local investors are ready to compete let alone who knows exactly the insurance market in Indonesia is that local investors.Djunaidi not dodge, that the macroeconomic conditions that have not been stabilized to some extent will affect the insurance business. If the banks do not give new loans or extend credit to the real sector, the growth of insurance business will also be affected."For if the real sector work, the need for insurance also increases. But now it seems the banks have started lending. This impact is good for our business, "he added. (*)
Actors insurance business will aggressively target the retail market as well as small and medium businesses affected due to the global crisis. The crisis led to the growth of insurance premiums down compared to previous years.
Branch Head of PT Asuransi Allianz Utama Indonesia Semarang Branch Nainggolan Wismar, in the city, on Monday (15 / 6), said the company's gross premium income of the period from January to May 2009 stood at Rp 21 billion or an insurance premium growth of 19 percent. This amount is lower than premium growth over the same period the previous year which reached 50 percent. The global crisis influence on the decline, especially from corporate customers. "This is because the disruption of exports and slowing investment," Wismar said.
Corporate customers Allianz Utama Semarang branch down from the usual 20-30 percent to 4-5 percent. As for retail clients and small and medium enterprises (SMEs) dropped from 30 percent to 15 percent.
For that, Wismar revealed will target customers from the retail sector and the SMEs that considered the potential for future growth to achieve revenue target of Rp 70 billion. "We hope that the insurance premium growth in the second half of 2009 was returned to 50 percent," he said.
Of the total income of Allianz Utama Semarang Branch, corporate customers contributed by Rp 14.3 billion, USD 4.5 billion retail customers and SME customers Rp 2.4 billion. In terms of distribution channels, the premium of the institution to reach USD 11.7 billion, USD 8.6 billion agency, and transaction direct premiums of Rp 869 million.
Chairman of the Indonesian General Insurance Branch Semarang Rezha Syaifullah said the global crisis, 55 companies insurance premium growth in the city of Semarang in 2009 was estimated at just under 10 percent or lower than in 2007 which reached 13.59 percent.
Therefore, rational if an insurance business transfer target market to retail and SME sector due to the level of risk is spread more evenly. "With the unstable economic conditions like now, getting from retail customers is far more secure than the corporation," said Rezha.
To reach retail customers, Rezha said, the company needs to expand insurance agent to socialize to the public. "Because there are still many people who do not understand the importance of insurance, it is necessary to pick the ball mechanism," he said.
In addition, Rezha also predicted an increase in filing insurance claims during 2009 was from customers who are affected economic conditions.
Stock is one financial product. We know the financial markets that are divided into capital markets and money markets. Shares including capital markets products which are evidence our ownership of the company that issued the stock certificates. Shares have intrinsic value and actual value. To transact shares also have their own rules. But the description of it I will not describe here because there were many writings that discuss it.
Playing stock, as well as other investment vehicles or as well run a business, there are tips and tricks that can be learned. Most stocks are considered only as a financial instrument being studied and understood only left-brain thinking. In fact, the main essence is not to be there.
And, here are some tips and tricks that you might be able to read and maybe your own practice:
* Treat the stock as a "human", not be understood solely "by the book" only. See also the people who manage it, the player behind it (the market maker, player, follower) and the characteristic of each, and then go into the analysis and the tools used.
* Do not fully trust the financial data, let alone that have not been audited and / or have not passed by the Bapepam. Indonesia is one example of emerging markets, and the main characteristics of a market like this is the data that are often unreliable. So, it could still be conservative and cautious.
* There is a good idea to start by collecting blue chip stocks are down right issue price because of sentiment. No matter, in the not too long, usually immediately corrected and the price crept up. Return blue chip stocks is usually average, but decent enough to hold in the long term.
* You also can follow the action undertaken by the airport. Play a little with fried stock. Typically, these stocks are not too many of its circulation so easy dikatrol and mocked the price. Features, stock transaction volume is quite large and its value decreased but then slowly rises. Again, be careful because a trend can be turned around quickly and use only if there is excess money.
* Discipline. Set the upper and lower bounds. For example, 33% above and below 5%. Obey the rules and do not ever follow your passion and emotion. If you dare to take risks, it's okay without a cut loss, unless 1) you use margin, 2) stock prices are relatively high, and 3) when you log in, price or reverse the trend.
* Diligent and wrestled seriously. Perform portfolio analysis and review periodically. I recommend to hold no more than 9 types of stock only. Focus on a maximum of 3 stocks and hold stocks for 1-2 retained for one year. Human capacity is limited, so well do not be too greedy.
* Studying the global economic fundamentals and certain issuers are a must. Better yet, if you always follow the national news and observe their correlation with movements in the stock.
* Check out the unique characteristics of the stock. For example, there is usually a tendency of increase around April-May in anticipation of the publication of financial reports and the distribution of dividends (sell). Instead, in September-October as now, generally downward trend since deserted, there is no news and activities (buy). While at the end of the year there is a tendency to rise, in anticipation of window dressings and welcome january effect (sell). In February-March, usually occurs post-correction window dressings and january effect (buy). And so on.
* Brokers are also human. Invite them to lunch and make friendship. Just do it with sincerity. Do not ever expect you'll get insider information from here. In addition to unethical, it also violated the law (illegal).
* Please guidance above. Believe that many variables that influence but are beyond our control. That's where the role of the hand of God in power. And when you get a gain, do not forget to donate some of what you receive and still be humble. Large investors that I know the average person a very low profile, simple, and not like a lot of talk.
* Finally, there are interesting quote that I took from one of the book, unfortunately I forgot who the author. It reads, if not wrong, 'You have to trade what you see, not what you think. And only a detached and unemotional state of minds allows us to make our decisions objectively. "See?
Information, analysis / strategy, mental and emotional attitude, and luck, remains a major factor that support your success. The first three factors you can learn, but the latter is only one factor you can get to close to the one above.
Hotel Service Specification
Once the large number of hotels, of course the level of competition among hotels is also quite high. But for a number of hotel entrepreneurs, the condition does not become a big concern, as long as its market share is still available.
However, hotel managers, must be very clever use of existing markets by providing special images and special services as well. Madani Hotel Medan, for example - this hotel offers the image as an Islamic hotel. Islamic concept of hospitality among the people considered it would be difficult to grow, it is precisely a leading Hotel Madani who was even able to sell almost all of Main kamarnya.Direktur Madani Hotel, Deby Masri, said the number of hotel rooms available at this time reached 174 rooms, and that number still not able to meet the market. For that Madani plans to expand his hotel by opening a second hotel in Medan Madani.
According to the Head of the Central Bureau of Statistics (CBS) North Sumatra, Alimuddin Sidabalok, the number of tourist visits to this area in January 2009, up 26.16 percent compared to January 2008 or to about 12 703 people. The tourists are entering through the entrance of Medan's Polonia Airport, coming from Singapore, Malaysia, South Korea, Germany, Australia, Taiwan and the UK.
Seeing the number of foreign tourists visit this, of course, the hotel business will grow more and more fine
you try to visit the site http://google.co.id then locate your blog title that will make there you will find out how many rivals for the title of your blog, if you can make the title of the blog that is not too much of his rival, only then you can make web to promote your ad, it took serious effort and focus on running a business online, there are some keys to running an online business! first you have to focus on your goal, then you are diligent to seek knowledge about online business on the internet you have a lot to learn that the three you have to practice too often you have to be independent in the sense that you run a business which does not depend on others.
if your business is already running but no result is possible that there is one thing that you have not carried out, in running an online business we have to be patient and diligent (not easily give up), In running any business you must be a focus and not easily bored with your goals. If you lack focus (quitter) in running a business you could not have any success, to run an online business on the internet your idea must often in practice,
if there is an idea but not in practice then it will be hard to do business online business online.di we must be clever clever pour sentence for your blog so interesting to read, your goal should be focused and not easily give up, you should consider difficulty is just a test in conducting business online, the exam can also mean a challenge that ultimately we have to find a solution! When we learn a lot on the internet then we will get a lot of knowledge and insight, the income you get from an online business is not affordable for small and large income you it all depends on your efforts in running a business online, remember the first time you have to do is define the idea in mind to make your blog title,
it means before you start an online business you should try to find out what is appropriate for your article on your blog and then make your pick out also how many of your competitors in google sites, where you will find other websites sequence comparison then try to compare between the website sequence beginning and end, then look for a solution why the website could appear in front of the search engine order, after you compare then you learn it until you really understand, before I know the tricks of running an online business I have been trying to seek knowledge and ideas to running an online business but not as easy as what I imagined. and eventually the idea to run an online business I got from my own self, so you do not dream to easily get the tricks in conducting business online without any effort and willpower, you might ask why not everyone is willing to give easily know how to run an online business in Internet! answer because they realize how hard it knows the trick to running a business online, whether they painstakingly got the idea that easy then they give you know? Indeed there is still but a thousand one you find something like that,
only to find out ways of doing business online I had to sacrifice my money to people I do not know but clever in running an online business on the internet, but still, I do not get satisfactory results, their ideas are not easily spread disseminated to everyone for free , of course, by reading an article about this online business you have little understanding how to run an online business with good, not from the sentence that you must understand, I am very optimistic at all in running an online business! me tell you just about my experience in online business first first I know the online business from my sister alone, initially I was not sure if my brother can do business online, with alternation of time for more or less three months I just realize that online business is really obvious after I received the first check my older sister of U.S. $ 409.53 I was just shocked and amazed surprise, it turns out I just realized it's true that there is an online business and the real truth! be honest at that time I became jealous seeing my brother get a check for it, I finally followed my brother to run a business online!! was not as easy as running an online business like the back of your hand, of course, my own experience difficulties, many ways I look on the internet about a smart idea in running an online business but resulting in that I live less than satisfactory,
as hard to find tricks in running an online business then I tried to ask my brother to the trick, what result ..????!!! my sister just gave the answer to make one kind of articles on the web you kak .. that's all my responsibility,! !! answered again "ga only that way the rest of the way you pick out yourself on the internet. HahhHAHAha me laugh and think less satisfied with the answer from my brother about the tricks of doing business online, I sie not blame my brother for not giving know how to run a business online, it's just my brother wanted me so that I would try to obtain satisfactory results, as well as you.! idea thought of doing business online is not cheap .. or not worth the money to redeem a smart idea. my previous felt that I was a loser in my family because I was unemployed, leave college because there is no cost, in job layoffs because there are no pants to work everyday,, Hehehehe sure you will laugh reading my story and you will be asked KOK CAN YA .. .!!!!! begins with my family situation that is difficult with the economy makes me rarely have lunch money every day, I always envied my sister who get jobs, earn money in online business is all making me hot and forced me to successfully run a business online, plus more treatments my mother who always defend my brother, I got to thinking maybe because my sister so she produces more in value ..
certainly not because my mother is a tough mother who brave the run test that gives her life a living her children until their children become child who is always trying to achieve success, besides the thing that makes me motivated to run an online business is that I want to prove told my friends that online business is true, first initial of my friends sich so not interested at all with an online business, he has tasted the online business with online ranter said although he did not like it but he acted as if like that,,, Ha3x on finally he also believes that online business is true,
I infokan course of business while it is lawful not hurt you to try it and if the effort failed or unsuccessful you already have the chance to become a successful businessman because not everyone is successful in running their business, everyone must have experienced failure like me ya ..!!! who always gagal.dari MLM business I've tried about about 7 types of MLM I have ever lived, but all to no avail. but here we are not related to MLM, but other online businesses that will be discussed, the online business too many times I've failed but the basic sayannya are determined to succeed, the result is quite satisfactory Hehehehe ..!!!! just info only this time I already generate approximately U.S. $ 1000 per month from businesses and jeripayah in online business, I tell all this to trigger your enthusiasm in running a business online, so I want to friend my friends who read my articles can be successful in running online business, you certainly will feel that the importance of money when you need it but you do not have money, when you are sick or your parents are ill but do not have money, you are never to feel that you yourself are not useful to yourself or to someone Other? unconscious you to earn more from now on, by running your online business will be my guide until you can own to run a business online, this article may seem too strings attached.? Yes maybe you think so, but if you read it many times definitely you will find their own way to run an online business, online business make me become more enthusiastic in performing live .. in my online business can prove to my parents and friends of my friends that I was also able to earn income on the internet, not hurt you feel yourself your a loser because you feel so then is triggered to prove yourself is not a loser, let's start now encouraging you to change your life more meaningful for yourself, for your parents, brother and sister make your Sodara, in running an online business embroidery is in need you should also independently in other words, do not rely on anyone else but from your own effort to try to develop yourself, I dhea want to prove to everyone that I am not a loser, especially to my mother that I too can earn like my sister , online business is tremendous business with earnings that are not infinite and it is not impossible if someone earned $ 500 in a day you can also include, Ehmmmmmmm ..!!! Enchanting is not it, now I want to guide you in obtaining revenue through online business, in online business also made me aware about the real business and a range of product offerings, really big advantage in the online business! online business that I've coached to you is an online business that is 100% FREE are not at any cost demand online business is pure business anda.mengapa I want to help you to succeed in online business? No other because I want to make friends through the internet and I want to my friends can be successful in business online, there's enough this time my friends follow me and they love to do business online because the online business they can earn more than his father's salary .. !! Hahahahaha funny is not it, Come awaken your spirit of doing business online because I am sure you are able to run this online business, why am I so confident that you are able to run this online business, because online business is not in the collection free of charge and in business This online you will get as many friends as possible .. congratulations fight for you wish you success in running this online business.
An important part of working from home is letting others know you have a business and this is done through networking. Network marketing is not always easy for everyone. There are individuals who are very natural at talking with others and find it quite easy to be in a room full of strangers and talk about what they have to offer. Then there are those terrified of the idea of network marketing and would prefer to stay home and pay someone else to do this portion of the business for them. Network marketing does not have to be a horrible experience for you and you do not have to have a panic attack at the thought of attending one. When you prepare for network marketing and do not go in with your eyes closed, you will find that it will make an enormous difference in the productivity of your business. Network marketing can be beneficial in building a plethora of resources and contacts that you can have at your fingertips to propel your business forward. <
In order for your home business to be successful, you have to make your presence known. You can do this through advertising and word-of-mouth. However, staying inside your protective home and never letting anyone know whom you are will not generate many clients or bring an increase in your profits. Go out, have coffee, and talk to others about your services. Walk into businesses that you think will profit from your services and let them know what you have to offer. If you have children in school, you can offer your services to the PTA or other groups that your child may be involved. Do not discount your sphere of influences because it is from this circle that your business will grow.