harga home
harga jump
Sudahkah Anda daftarkan blog Anda ke Blog Directory?
All Harga Last Updated on:

| Harga | Bisnis Raksasa Salon Kecantikan


Bisnis Raksasa Salon Kecantikan
(Harga Online) - PUSAT perbelanjaan atau mal-mal menjadi pilihan mengembangkan bisnis salon kecantikan. Setidaknya, demikian bagi Johnny Andrean, Yoppie Andrean, Rudi Hadisuwarno, dan Suhendro Adikoro. Bagi para pengusaha yang telah mempunyai belasan hingga ratusan cabang salon ini, mal adalah ladang bisnis yang sangat menjanjikan.

Meski demikian, ketatnya persaingan di bisnis perawatan kecantikan ini memaksa para pelakunya menerapkan strategi baru untuk terus mengembangkan usahanya atau sekadar mempertahankan yang sudah ada. Masing-masing pengusaha berusaha menerapkan kiat-kiat khusus menjaring pelanggan. Tantangan terberat, mereka pun harus berusaha menekan harga tetapi tetap mempertahankan mutu pelayanan. Pilihan mengembangkan usaha dengan sistem waralaba (franchise) dan joint partner diterapkan sejak tahun 1990-an.

Hasilnya sangat memuaskan. Selain menambah keuntungan bersih perusahaan dengan bertambah banyaknya cabang, pengembangan usaha melalui waralaba dan joint partner ini bisa dikatakan sukses. Terbukti, dengan mampu memperkuat nama masing-masing sebagai pusat pelayanan perawatan rambut terkemuka.

Johnny Andrean yang merintis salon pertamanya di tahun 1978, saat ini telah mengembangkan 163 cabang salon dengan merek (brand) namanya di seluruh Indonesia. Sebanyak 50 persen dari seluruh cabangnya itu dikelola melalui kerja sama dengan investor. Investor tersebut berfungsi sebagai penyedia modal, tetapi tidak bertanggung jawab terhadap pengelolaan usaha.

Seluruh manajemen dari cabang-cabang salon menjadi kewenangan kantor pusat bisnis Johnny Andrean. Cabang salon Johnny Andrean tidak hanya di kota-kota besar, melainkan di beberapa kota menengah dan kecil, seperti Cirebon, Surakarta, dan Sidoarjo. Di samping salon, Johnny Andrean juga membuka 37 sekolah dan pusat pelatihan keterampilan gunting rambut.

Sementara itu, Salon Rudy Hadisuwarno mengembangkan sistem waralaba. Sebanyak 80 persen dari seluruh salon milik penata rambut Rudy Hadisuwarno dikembangkan dengan sistem waralaba. Mengenai lokasinya, 60 persen di mal atau pusat pertokoan, dan selebihnya di ruko atau perumahan. Saat ini, Rudy mempunyai sekitar 130 cabang di Indonesia, terbagi atas beberapa nama sesuai dengan segmen pelanggan.

Hadisuwarno Salon, misalnya, ditujukan bagi masyarakat dari kalangan ekonomi atas. "Segmen pelanggan dari salon ini umumnya berusia 35 tahun ke atas dan mapan dari segi keuangan," kata Rudy.

Untuk pengunjung dari kalangan menengah ke atas, Rudy menyediakan Rudy Salon. Ada pula Brown Salon dengan segmen pengunjung khusus remaja berusia antara 13 hingga 30 tahun. Selain itu, tersedia pula Rudy Hadisuwarno Training Center. Menurut Rudy, salon ini ditujukan bagi masyarakat dari kalangan bawah. Pasalnya, salon ini didirikan sebagai sarana pendidikan keterampilan bagi sejumlah siswa.
"Pengunjung yang datang ke salon ini umumnya tidak berharap terlalu banyak karena penata rambutnya merupakan siswa yang masih dalam taraf belajar," katanya.

Perbedaan salon-salon tersebut terletak pada lokasi, harga, interior ruangan, peralatan salon, hingga pengalaman kerja para karyawan. Rudy mengatakan, salon untuk pelanggan dari kalangan atas umumnya memiliki fasilitas atau pelayanan yang semakin baik.

Rudy juga memperluas segmen pelanggan hingga ke anak-anak. Saat ini, ia memiliki dua jenis salon untuk anak-anak, yaitu KiddyCuts dan FunCut. Pelanggan KiddyCuts umumnya berasal dari kalangan kelas atas, sedangkan FunCut memiliki pelanggan dari kalangan menengah.

Yopie salon mengembangkan bisnis perawatan rambut sejak tahun 1996. Hingga saat ini, Yopie Salon memiliki sekitar 90 cabang di Indonesia, meliputi Yopie Salon Kawula Muda, Yopie Salon Profesional, dan Yopie Salon Training Center. Manajer Yopie Salon Ivan Yauhanes mengatakan, pelanggan Yopie Salon dan Yopie Salon Profesional meliputi kelas menengah atas. Berbeda halnya dengan Yopie Salon Training Center. Pusat pelatihan ini bertujuan menjaring pelanggan dari kalangan menengah ke bawah.

"Yopie Salon Training Center didirikan sebagai ajang belajar para siswa untuk menjadi tenaga yang terampil. Dengan demikian, tarif umumnya lebih murah," jelasnya.

Perbedaan lainnya terlihat dari produk yang digunakan. Yopie Salon Training Center menggunakan produk lokal, sementara Yopie Salon dan Yopie Salon Profesional menggunakan produk impor dari Taiwan. "Para siswa dibimbing oleh pengajar. Apabila terjadi kesalahan fatal dalam tata rambut, kompensasi berupa perbaikan tata rambut dari pengajar," katanya. Adapun waralaba Yopie Salon mencapai 55 persen dari jumlah salon. Dari jumlah tersebut, sebanyak lima salon berada di ruko, selebihnya berada di mal atau pusat perbelanjaan.

Di samping tiga salon di atas, Salon Lutuye juga sukses melebarkan bisnisnya melalui waralaba. Salon yang berdiri pada 20 Oktober 1997 itu sudah memiliki belasan salon yang tersebar di Jabotabek.

Lutuye yang mempunyai moto Gaya, Gaul, Global ini dikenal piawai dalam hal pewarnaan rambut. Menurut Manajer Unit di Tebet, Raja Khairi, tahun ini Lutuye mengandalkan pewarnaan rambut highlight merah marun. Sasaran Lutuye bukan hanya remaja, tetapi eksekutif muda, baik pria dan wanita, hingga ibu-ibu muda.

MENURUT General Manager Salon Johnny Andrean Yenny Ingkiriwang, dibutuhkan dana minimal sebesar Rp 150 juta hingga Rp 200 juta sebagai modal awal bagi peminat yang ingin bergabung sebagai joint partner. Investor umumnya menawarkan tempat kepada manajemen Johnny Andrean. Apabila terjadi kecocokan di antara keduanya, kerja sama terus berlanjut dengan pembukaan outlet baru Salon Johnny Andrean.

Pemasukan tambahan bagi pihak manajemen Johnny Andrean berupa pembagian keuntungan sebesar 50 persen dari total keuntungan outlet. Yenny menambahkan, ada komitmen yang disepakati bersama dari kedua belah pihak. Pertama, mereka harus satu misi dan visi dengan perusahaan induk. Kedua, mereka bersedia menerima persyaratan yang telah ditentukan manajemen Johnny Andrean. Misalnya saja, setiap salon Johnny Andrean harus memakai produk dan peralatan sesuai standar.

Dalam sistem waralaba Rudy Hadisuwarno, pemilik salon waralaba bertindak sebagai pemberi modal atau investor. Pemilik dapat pula menentukan lokasi salon. Sedangkan mengenai pengelolaan salon, tetap menjadi kewenangan manajemen Rudy Hadisuwarno. Untuk bisa bergabung menjadi partner Rudy dibutuhkan modal awal antara Rp 250 juta hingga Rp 500 juta sesuai jenis salon yang didirikan.

Berbeda dengan Rudy dan Andrean, Yopie Salon mewajibkan pemilik waralaba membayar royalti antara Rp 125 juta hingga Rp 150 juta kepada Yopie Salon. "Pembayaran ini disesuaikan dengan lokasi dan luasnya tempat yang dipergunakan," kata Ivan.

Setelah membayar royalti merek dagang untuk jangka lima tahun itu, Yopie Salon menyediakan seluruh peralatan dan interior ruangan salon. Akan tetapi, manajemen dikelola sepenuhnya oleh Yopie Salon. Adapun produk-produk perawatan di salon dibiayai secara bersama antara pemilik dengan Yopie Salon. Keuntungan salon waralaba dibagikan setiap bulan. Menurut Ivan, keuntungan berkisar antara 10 hingga 20 persen dari total pendapatan. Setiap bulan, Yopie Salon juga melaporkan kepada pemilik mengenai jumlah tamu, jumlah perawatan, serta jumlah pendapatan. Bagi hasil keuntungan yang diterapkan adalah 50:50.

Eveline Adutae, salah satu pemilik cabang Salon Lutuye, mengaku tertarik dengan sistem waralaba karena keinginannya mempunyai salon sendiri. Setelah mendapatkan gelar sarjana hukum, Eveline memperdalam hobinya di bidang perawatan rambut dan kulit. "Dari hasil cari sana-sini, akhirnya, saya memutuskan untuk memilih Lutuye saja," katanya.

Ibu berusia 41 tahun ini merasa senang. Alasannya, ia masih diberi kebebasan mengembangkan bisnis salon ini. "Saya senang karena masih diberi kebebasan memilih produk pendamping dan tambahan pelayanan, seperti lulur dan refleksi," ungkapnya.

Meskipun diberi kebebasan, ia mengaku tidak mau kebablasan. Ia pun masih memakai tenaga terlatih dari Lutuye. Berdirinya salon impian Eveline itu menghabiskan dana sekitar Rp 240 juta. Dana itu digunakan sekitar Rp 107 juta untuk pengurusan izin yang dibayarkan pada Lutuye. Sementara sisanya, untuk dana pembelian alat-alat salon sesuai standar Salon Lutuye.

Pemberlakuan royalti sebesar tujuh persen yang harus dibayarkan Eveline kepada pihak manajemen pusat Lutuye berlaku pada bulan ketujuh nanti. "Bulan Mei nanti baru saya akan bayar. Itu pun kalau pendapatan setiap bulannya mampu mencapai Rp 45 juta," kata Eveline. Ketika pendapatan setiap bulannya tidak mampu mencapai Rp 45 juta, maka tak perlu dipotong tujuh persen," katanya.

DI tahun 2004 ini, Yenny mengatakan tidak mempunyai target khusus mengenai perkembangan bisnis salon yang dikelolanya. "Saat ini kami lebih memilih diam dan melihat situasi bisnis salon yang ada saja. Terus terang, sejak krisis moneter tahun 1997-1998, keuntungan bisnis kami menurun tajam. Kami sudah sangat beruntung tetap dapat mempertahankan keberadaan seluruh outlet dan semua karyawan kami," katanya.

Rata-rata di setiap outlet terdapat 10-15 karyawan, termasuk penata rambut (stylist). Saat ini, jumlah pengunjung minimal 50 orang per hari masih dapat dipertahankan di seluruh outlet. Tahun-tahun mendatang, manajemen Johnny Andrean baru akan merencanakan lebih lanjut tentang pengembangan bisnisnya berdasarkan hasil pengamatan di tahun ini.

Yopie Salon juga tidak memiliki target tertentu untuk mendirikan waralaba di tahun ini. Sebab, Yopie Salon tidak ingin mengambil risiko waralaba yang didirikan tidak berhasil atau tidak produktif. "Kami perlu menjaga citra salon. Dengan demikian, pendirian waralaba melalui seleksi yang ketat," kata Ivan.

Sementara itu, Rudy Hadisuwarno menargetkan pendirian 10 cabang setiap tahun. Adapun para pegawai umumnya dari pusat pelatihan maupun sekolah-sekolah milik Rudy. Meski demikian, baik Rudy, Johnny, maupun Yopie tidak memastikan seluruh siswa yang belajar di sekolah-sekolah tersebut dapat langsung direkrut menjadi pegawai. "Kami tidak menjamin semua siswa yang belajar dapat direkrut. Akan tetapi, mereka yang berprestasi dapat langsung kami rekrut," kata Rudy.

Eveline menambahkan, bisnis salon ini tidak ada matinya. "Sekarang ini kebutuhan salon sudah bukan monopoli wanita. Buktinya, pria dan anak-anak justru sudah mulai merawat diri di salon," tambah Eveline.

Menurut ibu yang juga bekerja di salah satu kantor pemerintah ini, meski salonnya baru dibuka tiga bulan lalu, pendapatannya sudah cukup lumayan. Setidaknya, 10 karyawan yang bekerja di salonnya mendapatkan gaji penuh. (K03/K05/K08)

----------------------------------------
Source: Kompas

Read More...... [+/-]

| Harga | Kenaikan Harga di Lamongan Dinilai Wajar

Kenaikan Harga di Lamongan Dinilai Wajar
(Harga Online) - LAMONGAN, KOMPAS - Bupati Lamongan M Masfuk menilai Kenaikan harga kebutuhan pokok di Lamongan menjelang Lebaran ini masih wajar karena kenaikannya masih dibawah 10 persen. Dalam sidak ke pasar Sidoharjo, seorang pedagang mengatakan harga telur ayam ras Rp 9.000 per kilogram, naik Rp 200 dari harga sebelumnya. Sedangkan minyak goreng curah malah turun menjadi Rp 8.800 dari harga sebelumnya Rp 9.000 per kg.


Untuk menekan lonjakan harga Dinas Perindustrian Perdagangan dan Koperasi Lamongan menggelar pasar murah, dalam rangka membantu kebutuhan masyarakat miskin. Diharapkan mereka juga bisa menikmati sembako dengan harga murah dengan sistem menukarkan kupon.

Pembelian juga dibatasi agar tidak salah sasaran atau disalahgunakan oknum tertentu. “Beras yang di pasaran Rp 4.750 per kilogram, di pasar murah hanya dijual Rp 3.500 per kilogram,” kata Masfuk.

Sementara Tim Penggerak Program Kesejahteraan Keluarga (PKK) dan Dharma Wanita Persatuan Lamongan membagi paket sembako kepada 270 tukang becak. Ketua Tim Penggerak PKK Lamongan, Endang Riyanti langsung menyerahkan paket sembako berisi 5 kg beras, 1 kg minyak goreng bimoli dan 2 kg gula pasir.***

--------------------------------------
Laporan Wartawan Kompas Adi Sucipto

Read More...... [+/-]

| Harga | Seven Steps to Successful Sales

Seven Steps to Successful Sales
(Harga Online) - Being a successful salesperson does not happen by accident or blind luck. Success is the result of diligent effort applied to a structured system with commitment and passion. These seven steps are designed to help develop a system in a matter of minutes.
Building on success to achieve your dreams is determined by how passionately committed you are to achieving the dreams of your customers. The first step is as easy as listening to them.

1. Introduce Yourself, Then Shut-Up and Listen

The sales experience is not about the sales associate, it is about the customer. It is a courtship ritual to determine if the customer values the goods or services enough to invest in them by making a purchase. There is only one way to find out what the customer values, wants or needs and that is to listen intensely. If you are thinking about the next thing that you are going to promote then you can not concentrate on what the customer is telling you. Rather, think about how you can repeat what the customer is saying in your own words and you will be forced to listen intently to what they tell you.
A successful sales professional can reflect the emotion as well as the content of a customer conversation.

2. Why the Offer is Important to the Individual Customer

As new sales representatives learn about the company, products or services that they represent it is a natural inclination to initiate conversations by spewing facts and features like a walking commercial. Don't assume that the customer cares how you do something, how long you have done it or what you have been told makes you unique. The customer has a life with priorities, deadlines and responsibilities of his or her own.
Show the customer what aspects of your offer are important from the customer perspective and resist the urge to talk about any other things that are not relevant. Of course, you will only know this if you have listened to your customer.

A successful sales professional focuses only on the specific attributes of the offer that are relevant to the customer.

3. Get Confirmation, Then Explain the Details

Get buy-in from the customer that you are on the right track. Ask the customer for feedback to confirm that the focus is on the appropriate facts, features or figures. Once you have provided feedback on your value as it pertains to the initial customer requirement, it is common for some customers to change the focus.
This is an opportunity to find out if the customer has additional concerns or considerations. Listen with intensity and restate customer focus and topics in short sentences, reiterating each item that is important to the customer. Then explain the details of your offer that support all of these interests.

A successful sales professional keeps the customer involved during the process of explaining relevant details of the specific offer.

4. Credibility, Show the Customer Why You can be Trusted

If the offer is on target with the customer requirements then it is appropriate to demonstrate reasons that the customer should trust you. This may be accomplished by using specifications for products, white papers and case studies for services, independent articles or references.
The manner of demonstrating credibility varies significantly by industry and market. If there are no documents or history to use as reference, it is possible to demonstrate credibility by making promises and keeping them. A promise may be as simple as a commitment to follow-up with additional information by a specific time. Even if the customer was a referral and credibility was implied, never take it for granted.

A successful sales professional earns the trust of every single customer through commitments and actions.

5. What to Do and What It will Cost

In addition to providing the price, also provide the details of what needs to be done to complete the transaction and what will happen after the sale. If the customer needs to take some action before, during or after the purchase then be sure to explain this in detail. In some cases there may be a registration, license or contract associated with the sale, so be sure to remove any mystery or doubt by stating the facts.
Make sure that the customer is aware of any additional requirements or renewals. As an example, it would be incredibly disappointing for a customer to excitedly unpack a new printer and then discover that is it necessary to go back to the store for cables to connect it to a computer. Keep the customer satisfied and confident by providing step-by-step explanations and expectations.

A successful sales professional knows the process and educates the customer.

6. Schedule Next Steps

In many cases there may be several steps in the sales cycle. If ongoing negotiation is necessary then schedule the next meetings and milestones. If registration or installation is necessary after the sale then initiate discussions to accommodate the customer schedule. For significant purchases and investments it may be necessary for the customer to review budget or finances, in which case it is appropriate to schedule periodic follow-up to accommodate these considerations.

A successful sales professional fills the pipeline by keeping a consistent schedule for continuous customer conversations.

7. Ask for the Sale

Don't assume that the customer is going to ask for the sale. Ask for the sale to determine if it is time to stop selling and time to start processing the purchase and assisting with the appropriate next steps to support the customer. Some sales associates are so passionate about the product that they keep promoting it long after the customer has made a decision to purchase and can actually lose a customer in the process. Stop pouring when the glass is full.

A successful sales professional will periodically pause to ask for the sale.

Seven Step to Successful Sales:

1. Introduce Yourself, Then Shut-Up and Listen
2. Why the Offer is Important to the Individual Customer
3. Get Confirmation, Then Explain the Details
4. Credibility, Show the Customer Why You can be Trusted
5. What to Do and What It will Cost
6. Schedule Next Steps
7. Ask for the Sale

Cut out the Seven Steps for Successful Sales and keep it handy to prepare and reflect before each customer conversation. Make some notes for personal reference that pertain to your specific product or service for each of the seven steps. Put it in your own words. Know your process and listen intensely to your customers. Know where your customers are within the seven step process. Take care of your customers and continue your conversations after every sale to repeat the cycle and nurture your pipeline.***

-----------------------------------
By:
John Mehrmann
Source: http://www.executiveblueprints.com/

Read More...... [+/-]

| Harga | POS Hardware

POS Hardware
(Harga Online) - POS is a short form for point of sale. POS hardware is basically used at trade or retail level, a checkout counter in a shop, or changeable sites where a deal occurs in this type of environment like restaurants, hotels, stadiums, casinos, as well as retail environments. POS hardware uses computers and dedicated workstations that are connected with money records, barcode readers, ocular scanners and magnetic band readers for correctly and right away capturing the business.

POS hardware includes label printers, cash drawers, Barcode scanners, pole display, card swiper or reader, POS Monitor, POS Touch Screen and receipt printers. To use POS hardware, retailers need to know about them. A vital element of POS hardware is the cash drawer. It is used to store Money, credit card receipts and other paperwork. Cash drawers receive a signal from the computer or receipt printer.

The cash drawer should be compatible with the rest of the system if purchasing the POS hardware separately. Cash drawers should be strong and survive the steady opening and closing. Pole display is an elective POS hardware. It is a lighted display used to display the transaction totals, sum tendered and to display feature modified messages or to show advertisement.

POS Monitors may be a flat-panel LCD monitor or a standard CRT monitor; the LCD monitor may be more expansive than the standard but takes up less space at the checkout counter. POS Touch Screens are easy and faster to use than traditional keyboards and monitors and save counter space. The keyboards serve as a main POS hardware. Keyboards could differ in complexity and technology. They range in choices from a standard 101-key model like you may have on your home PC to industry-specific POS keyboards. Where special functions are required like Grocery stores and restaurants, only programmable keyboards are used.

Bar code scanners are used at many shops and restaurants for checking out the price of the product. They can be of a different size and technology. Hand-held scanners are the most common in use for the small retailers. Bigger stores with important checkout doings may require an embedded scanner, which mostly can be seen in supermarkets. Barcode scanners read a series of numbers and the barcode, decode the information, and send that information to the computer.

Credit card readers or swipers may be included in the POS hardware. The Credit Card Reader is used for credit card reading. In addition to credit and debit cards there are some devices, which can work with gift cards and other loyalty programs, these are called signature capture devices. These devices help in making more efficient transactions and lessen the costs and errors linked with deposit documentation.

Conversely, receipt printers are used to print a documentation of the transaction for the customer. Receipt printers may be a Serial dot-matrix printer or a Thermal receipt printer. Dot matrix printers are normally cheaper than Thermal receipt printers but not as durable. However, Thermal receipt printers are very expansive and are suitable for long use.***

------------------------------------
By: Tony E. McDay

For additional POS Resources visit POS Hardware - POSMicro.com-POSMicro stocks quality POS Hardware to meet your Barcode Scanner, POS System, Receipt Printer, Cash Drawer needs and more. Secure online ordering.

Read More...... [+/-]

| Harga | Cheap and quality Digital Camera batteries

Cheap and quality Digital Camera batteries
(Harga Online) - Hundreds of Digital Camera Batteries & Accessories Including Battery Chargers, Webcams, Flash Memory, Carrying Case, Cleaning Supplies, Tripods, Lens, Lights, Flash Card Reader, Camera Kit, Photo Printer, Glossy Photo Paper & More!

bargain-batteries.com is a retailer and wholesaler of all types of batteries. We offer volume discounts, import, export and we specialize in rechargeable batteries and battery chargers. Our goal is 100% customer satisfaction, so please feel free to send a email to us any time. Start saving time and money with bargain-batteries.com and explore our user friendly battery site.

We have a complete engineering facility for battery pack testing. This enables us to provide the most up-to-date battery pack testing for the most advanced portable consumer electronic products.

We Are Committed to Providing You With The Highest Level of Customer Service and Superior Products!***

bargain-batteries.com
The Worldwide Web's Leading Provider of all Types of Batteries, Battery Chargers and Accessories
-----------------------------------------
By: david.zhang

Read More...... [+/-]

| Harga | Leads

Leads
(Harga Online) - Leads are our business. If you are looking for the freshest Business Leads on the internet you are at the right place. We have all kinds of Leads in our business. You can target Doctors, Lawyers, Restaurants, Retail, employee size, phone leads, contact names & much much more. We have over 14,000,000 records available. Our business leads are updated Monthly.
Our Leads are a great way to generate new sales through phone solictation or by a direct mail marketing campaign. You can run the business list on our website or you can call us toll free at 1-966-206-8903. We would be glad to assist you in running your mailing list counts.

We have over 30 years of combined experience in the mailing industry. We don't want your business one time. We want to earn your business for the life of your business. We will provide you with the freshest most accurate up to date Leads available on the web today.

Once you try our service we are sure that you will make us your business sales lead provider from now on. Go online or give us a call to run a free count. It does not cost you to see what is available. This is what we are here for, to grow your business. We want you to be successful so that our company can also be a success. We will work hard to give you the best possible mailing list available. So what are you waiting for give us a call. You have nothing to loose.

Looking for New Leads? Search no further you have come to the source. If you are looking for new Leads for your business or you looking for New Businesses we can help. One of our consultants will take your information & evaluate the best possible prospects for your needs. Our new Leads are among the best the industry has to offer. New Leads are a great way to reach businesses that have just started. New businesses will need to purchase many products for their offices. With new Leads you can be one of the first to sale to this diverse market.

We can target all kinds of businesses from the freshest newest data in our database. Pick daily, weekly, monthly hotlines or let us target new Leads for your sales force. Our new Leads come from Dun & Bradstreet & other special sources. You can also target SIC Codes, Sales volume, Number of Employees, Contact Names, Business Type...and more.

We have over 30 years of combined experience in the mailing industry. We are sure that once you try our leads you will be a customer for life.You,do need Leads for your Business.Our Company offers a FREE to join Affiliate Program.***

--------------------------------------------
By: Jeams Hinaloc

Read More...... [+/-]

| Harga | An Ounce of Prevention Beats a Pound of Cure

An Ounce of Prevention Beats a Pound of Cure
(Harga Online) - How to handle the "you're too expensive" objection before your clients ask it!

"Your prices are too high."
"Why are you so expensive?"
"I have another offer, so you're going to have to do better than that!"

The dreaded pricing objection. We've all had to deal with it at some point in our careers. Regardless of what form it takes, it can be one of the most frustrating challenges sales professionals have to face.

Over the course of the next two issues, we'll be taking an in-depth look at what you can do to overcome this most difficult of client objections. We start today by tackling the question of how to prevent the pricing objection before your clients bring it up!

Deal with it up front
If price always seems to become an issue for you, one of the most effective strategies is to preempt the question by dealing with it up front. Don't be afraid to talk about price. Train yourself to bring it up first and get it on the table as early as possible in the sales dialogue. Try telling your prospective client something like:

"You need to know that ours is not the cheapest product available. You will always find someone who is less expensive than us, and you will always find someone who is more expensive than us. We are always competitive. Knowing that we are not the cheapest, does it make sense for us to go ahead?"

When you ask this question, one of two things will happen:

1. The sales cycle will end right here because the client only wants the cheapest product and you don't have it. This is good news, because there's no point wasting your valuable time with someone who has no intention of doing business with you anyway; or

2. The client will say: "No problem, we're not making our decision on the basis of price alone." This will effectively eliminate the client's ability to raise this objection later on, and allow you to move forward with a high degree of certainty that price will not become an issue.

Provide an early estimate
Another way to reduce the number of times you hear "your price is too high" is by literally telling your customers your price (or an estimate of your price) before you give it to them in writing. This will allow you to deal with any potential pricing concerns in person, before your client receives a formal proposal.

NOTE: The estimate I give is always about 20% higher than I think the real highest price will be. This helps ensure I have a little breathing room later.

Have your options ready
When you're ready to talk price, have several options prepared beforehand to handle your client's response, whatever it may be. This will enable you to retain some control and momentum regardless of whether their reaction is positive or negative.

If the client reacts negatively through body language such as by flinching, shrugging, rolling their eyes or falling off their chair and onto the floor, you can ask them:

"I sense that you're uncomfortable with that price. What were you expecting?"
Or:
"You don't seem happy with that price. Have you found something lower?"

Notice that both of these questions have two distinct parts. First, you acknowledge that the client appears to be uncomfortable. This will help build trust and get them on your side. Next, you ask a direct question. You can use this formula every time you are faced with an objection. If the client verbally tells you that your price is too high, your first move is to take a breath and remain quiet for a full three seconds. Then ask them: "I guess you're looking only for the lowest price?"

They will either say yes or no. If they say no, you can ask: "Really? What else is there?" If they answer yes, you can say: "Okay, knowing that we will not be the lowest price, does that mean we will never get the chance to do business together?"

The most powerful word for handling objections
When it comes to handling sales objections, "never" is the most powerful word in the English language.

Most people hate it. Very few are willing to commit to it. As a result, the vast majority of prospects will respond to it by saying, "well, no... not never!"

In that case, your job is simply to ask: "Really? Why?" The client will then either tell you what it will take to do business with them or ask you for something that you can't provide. Either way, this puts the control back in your hands by letting you choose between making the sale or turning down the deal and walking away. If a client is dead set on getting the lowest price and you know you can't offer it, then you may as well end the conversation right now and get to work on deals that have a better likelihood of closing. Spending time trying to sell to someone who is never going to buy from you is both a bad decision - and a costly mistake.

Brainstorm your best answers
Finally, take some time to sit down (on your own or with your team) and brainstorm your best possible answers to every potential objection.

Practice your responses out loud until you've mastered them. Make them your own. Then review your work each quarter to make sure that everyone on your team knows which responses are working best. If you can reduce the number of objections you receive, you will sell more. Period.

Join us for the next issue of Engaging Ideas, when we'll take a look at how you can best handle the pricing objection when it does come up.... ***

-------------------------------------------------
By: Colleen Francis
Source: http://www.engageselling.com/

Read More...... [+/-]

| Harga | Avidian Technologies Receives Patent for Prophet Technology

Avidian Technologies Receives Patent for Prophet Technology
(Harga Online) - Avidian Technologies announced today that it has been granted a U.S. patent for technology used in Prophet, the company's sales CRM software for Microsoft Outlook. The patent, US 7,269,605 - Personal information manager data synchronization and augmentation - deals with a key contact management feature built into Prophet. "After four years on the market and a lot of patience, it's great to receive this recognition for the innovative technology built into Prophet," said Tim Nguyen, CTO and co-founder of Avidian.
"This patent protects our intellectual property and will allow us to maintain a key differentiator between Prophet and competing solutions."

This patent covers the way Prophet automatically links company and contact information. When a Prophet user looks up a contact, this feature displays the contact's company (if one is entered), and allows the user to view all contacts, addresses, and sales information for that company. It also allows the user to track all communications related to that company - emails (both to and from the company), appointments, tasks, and other items.

The feature described in US 7,269,605 was built into the original version of Prophet and all subsequent versions. This unique and time-saving contact management feature is present in all editions of Prophet, including Prophet Personal Editions, Server Editions, and Prophet Mobile Editions. Unlike traditional CRM or contact management software, Prophet is built into Outlook, eliminating the need to manage multiple contact databases or toggle between separate applications.
Built on the .NET platform, Prophet works entirely inside Outlook and easily integrates with other critical business capabilities. As a result, Prophet turns Outlook data into the building blocks of an effective sales CRM software solution.

About Avidian Technologies Avidian Technologies is a software company specializing in creating software solutions for users of Outlook and Exchange. Prophet, developed by Avidian Technologies on the .NET platform, is the leading contact management and CRM software built inside Microsoft Outlook. The company is headquartered in Redmond, Washington. For more information, please visit http://www.avidian.com.***

Avidian Technologies Receives Patent for Prophet Technology Unique Contact Management Functionality Recognized By US Patent Office
------------------------------------------------
By: Avidian Technologies
Source: http://www.avidian.com/

Read More...... [+/-]

| Harga | Creating A Gift Basket For A Charity Event

Creating A Gift Basket For A Charity Event
(Harga Online) - Even though there are plenty of gift baskets to choose from, you may be restricted by a budget or by which foods those attending the event are allowed to eat when purchasing a gift basket for a charity event. If this is the case, you can create a unique basket that highlights the event and celebrates those who are involved in it.

Building A Unique Gift Basket
One way to decide what to include in a gift basket for a charity event is to review other baskets and make a list of items you like from each. When placing your order, ask how much it will cost to add these items. If you are working within a budget, you can still choose a variety of items that are fun and festive.

Other ways to create a gift basket include:
1. Combine items from two small baskets
2. Remove some items from large baskets
3. Purchase small baskets instead of one large basket

You can be as creative as you want to be when making your selections.

Staying Within A Budget
Since most charity events occur to raise money, celebrate an important milestone for the charity, or to honor a member of the charity who has gone above and beyond what their role calls for, you will probably be on a strict budget.

Being on a budget does not mean you can t create a beautiful basket that will be enjoyed by those attending the event. When placing your order, mention the amount you have to spend. You will be given options to choose from and assistance in creating the perfect gift basket.

Presenting A Gift Basket
As a token of appreciation, you may want to present those being honored at the charity event with a small gift basket that represents what they mean to the community. Small gift baskets can contain many different items including food items, dessert items, or indulgent body lotions and bath salts.

Depending on your event plans, you may want to choose a theme gift basket or create your own that includes items honored guests enjoy.

A gift basket is a wonderful way to say thanks to those who give their time, money, and devotion to a charity.***

------------------------------------
By: Lauretta Wiering
Source: http://www.gourmetbaskets.com.au/

Read More...... [+/-]

| Harga | Is Your Retail Business Still In The Dark Ages?

Is Your Retail Business Still In The Dark Ages?
(Harga Online) - POS systems and the technology behind it have revolutionized the retail business in almost all parts of the world. Today the POS system has become an integral part of the retail business and the changes are visible openly as well as behind the scenes. For the retailer this enables him to run his business with an effectiveness that would have been impossible just a few decades ago.

The main benefits of a POS system are faster checkout times for customers, accurate billing, better inventory checking, and the easy introduction of loyalty schemes.
This article will look at these points and some considerations needed to be taken into account when purchasing a POS system.

First, check out and payment clearance have become much faster, since POS systems have automated the entire billing system. The technology has become more and more effective since becoming integrated with inventory management technologies like bar codes and RFID tags. For customers, this means not having to wait for long even if there are a huge number of people in the store.

Sales Tracking
POS technology has automated all the calculations and sales tracking, which ensures that customers do not have to pay for something that they did not purchase. Mistakes in calculations which were common before the introduction of this technology, especially in calculation of tax, have been all but eliminated.

Another oblique benefit of a POS system is that it tracks the codes of the purchases made by a particular customer. If a particular customer wants to buy something that he has already purchased in the past, the availability can be checked from the POS terminal, whether a fixed terminal or a handheld model. There is no need to go halfway around the store to check whether a product is actually in stock. Allied to this is the ability of the technology to help a customers purchase appropriate accessories and add on to the product he purchased. Information about all the available accessories can be procured right from the POS device.

One benefit that can be useful for customers is the ability to suspend transactions temporarily in situations when a customer has to go back to the store to pick up an accessory or when he has to go back to the car to pick up a forgotten wallet or purse. This means that other people in the line can carry on.

Loyalty Bonus Cards
POS technology has automated the concept of loyalty bonuses. A customer can now get a loyalty bonus card which brings attractive discounts. There are special gift card systems as well.
The customer purchases a gift card from the store, gives the card to someone and the person can use the gift card to make purchases allowed in the card. These cards are also very useful if you do not want to use a lot of cash.

The use of POS systems for running a loyalty scheme are covered in more detail at http://www.poschoice.com. It is obvious that POS systems have great benefits for both retailers and customers. Merchants can offer better service to customers, keep track of inventory and generally control their retail business more effectively. In order to choose a system, it is best to consult a professional POS supplier to find out which type of system is needed to get the best out of a particular type of retail process.***

----------------------------------------------------
By: carl formby
Source: http://www.poschoice.com/

Read More...... [+/-]

| Harga | Buy Cheap Nokia n95 Mobile Phone

Buy Cheap Nokia n95 Mobile Phone
(Harga Online) - Nokia has always led the market in offering an ultimate range of premium handsets but with its new Nokia n95, it has changed the overall outlook of the mobile phones. With Nokia's constant innovation and superior research & development have made it to come up with new mobile phones, which are the technical marvels!
The new Nokia N95 is one such premium mobile phone, which has taken the multimedia capabilities of the mobile phones to the next level of mobile telephony.

Boasting of a classy sliding form factor and an exhaustible range of features, the Nokia N95 is a device, which is highly desirable. A large vibrant display on the front side fully complements the profile of this Nokia N series member. Support for the advanced "3G technology" allows you to do many things with this prolific mobile phone. The Nokia N95 is endowed with a two-way slider opening mechanism, which allows you to open the handset in two different modes. Slides open the handset to find a well-spaced keypad.

The Nokia N95 features a 5.0-megapixel camera with Carl Zeiss optical lens, which helps you shoot fine quality pictures. A big memory space accommodates all the desired images, video clips and favorite tracks.

The GPS of the phone helps you track important destinations without many hassles. For music lovers, the Nokia N95 has a high-quality digital media player with impressive sound quality. The music player supports popular music formats including MP3, AAC and AAC+.
The mobile phone also gives you quick access to broadband like Internet connectivity. Surf websites or get updated on latest information, all with ease on this handset.

The Nokia N95 offers you seamless connectivity, both within and outside, with versatile options like Bluetooth, USB etc. An expandable memory support allows you to increase the memory space as per your requirements. With other indulging features, the Nokia N95 is certain to make your mobile life indulging.***

------------------------------------
By: deals unlimited.co.uk

Read More...... [+/-]

| Harga | How Companies Use Cold Calling and the Implications for Business and Individual's

How companies use cold calling and the implications for business and individual's
(Harga Online) - Cold calling has become a popular way for businesses to expand their marketing activities. The advantage of this approach is that specialized phone operators can target consumers and companies for direct product sales or for appointment setting purposes. In the past, although this method of business generation has been used, it was not as widespread as today.

Access to cheaper overseas outsourcing services and the ability to procure personal and business details facilitated by relaxed laws and the internet has provided a platform for business operators to integrate cold calling into their overall sales approach. Cold calling requires a specialized skill set. Many sales personnel get disenchanted by the rejection. This is often a cause for concern in companies that experience high staff turnover rates and do not have the necessary experience to train and maintain telemarketing teams. Training companies can assist with imparting skills in this regard by providing a proven methodology and assisting personnel to understand the differences between face to face selling and phone selling. This includes real life simulation and audio playback for constructive learning purposes.

Outsourcing companies are a favored approach by some organizations due to the value that experience provides. These companies often employ mature individuals from diverse backgrounds that are good at lead generation and appointment setting. This can be a useful approach for companies that want to specialize.

The outsourcing company can provide the leads or appointments and the sales executives can concentrate on presenting to business decision makers and closing the sale. This allows strong closers to generate higher revenues for the company and eliminates time consuming lead generation work.

The annoyance of cold calling has prompted some countries to provide a service that allows individuals to register their name and number in a database to prohibit intrusive telemarketing practices. In Australia, the 'Do not call' register is a government initiative that has been enacted in response to the Do Not Call Register Act 2006.
The service is free to activate and can take up to 30 days to come into effect. Basically, telemarketing companies are required to check this database for the names of individuals before making telephone calls. You can also report offending companies.***

--------------------------------------
By: Andrew Winthorp
Source: http://www.cold-calling-online.com/

Read More...... [+/-]

| Harga | RI Desak OPEC Stabilkan Harga

RI Desak OPEC Stabilkan Harga
(Harga Online) - JAKARTA (RP) - Kondisi harga minyak internasional yang terus mengalami fluktuasi tidak menguntungkan pemerintah Indonesia. Oleh karena itu, pemerintah mendesak forum multilateral organisasi negara-negara pengekspor minyak (OPEC) untuk melakukan langkah konkret guna memperoleh kestabilan harga minyak.

Menteri Energi dan Sumber Daya Mineral Purnomo Yusgiantoro mengemukakan bahwa keinginan tersebut akan dikemukakan dalam pertemuan OPEC mendatang di Wina mendatang. ‘’Salah satu cara untuk menstabilkan harga minyak itu adalah dengan mengurangi tekanan geopolitik di Timur Tengah. Negara-negara OPEC harus turun tangan guna membantu menstabilkan harga minyak tersebut,’’ jelasnya di Jakarta kemarin.

Purnomo menjelaskan bahwa cara konvensional untuk menstabilkan harga adalah menambah kuota produksi minyak mentah dari negara-negara OPEC. ‘’Ini akan menjadi poin penting yang dibahas,’’ paparnya. Selain masalah penstabilan harga, pertemuan OPEC kali ini juga akan membahas persiapan summit di Ryad, Arab Saudi. Dalam perdagangan di tingkat internasional harga minyak dunia kemarin diperdagangkan di level 74 dolar AS, 38 per barel naik 0,34 persen dari penutupan perdagangan sebelumnya.
Posisi tersebut masih dibawah puncak harga perdagangan pada Agustus yang mencapai diatas 75 dolar AS per barel.

Sementara Gubernur OPEC untuk Indonesia Maizar Rahman mengungkapkan OPEC akan tetap bersama dengan G-77 dan Tiongkok dalam forum Climate Change. Pendapat itu diungkapkan Maizar Rahman setelah mengikuti AWG 4 di Wina, tanggal 27 hingga 29 Agustus 2007.

‘’OPEC tetap mempertahankan tidak akan membuat komitmen yang menyangkut penurunan GRK (gas rumah kaca), terutama jika akan memenuhi target tertentu (jumlah dan waktu),’’ ujar Gubernur OPEC untuk Indonesia Maizar Rahman.
Maizar Rahman hadir di Wina bersama Muhamad Takdir sebagai delegasi Indonesia. Pertemuan tersebut menilai negara-negara Annex I tidak memenuhi semua komitmen seperti yang dicetuskan pada Protokol Kyoto, terutama dalam penurunan emisi GRK, alih teknologi dan bantuan financial, capacity building bagi negara berkembang, terutama negara pengekspor migas.

‘’Untuk hal ini, rapat merekomendasikan untuk terus mendesak negara Annex I agar memenuhi semua komitmen tersebut,’’ katanya.

Pertemuan menyarankan agar Negara anggota OPEC tetap aktif berada pada kelompok G-77 dan Tiongkok dan menyokong posisi kelompok G-77 dan Tiongkok agar tidak melakukan komitmen untuk menurunkan emisi GRK dengan target (jumlah dan waktu) tertentu.***
(iw/jpnn)

---------------------------------------------------
By: Riau Pos

Read More...... [+/-]

| Harga | Harga Sembako Sudah Mulai Naik

Harga Sembako Sudah Mulai Naik
(Harga Online) - Dipicu isu kenaikan gaji Pegawai Negeri Sipil (PNS), harga barang sembilan bahan pokok (Sembako) terimbas naik, terutama terhadap minyak goreng curah. Akibatnya, banyak konsumen mengeluh terutama kenaikan terjadi di saat-saat jelang memasuki bulan Ramadan. Kenaikan harga Sembako dalam Kota Bagansiapiapi berdasarkan hasil pemantauan yang dilakukan Dinas Perindustrian dan Perdagangan, terjadi fluktuatif dan bervariasi tergantung kepada pasar.

Intinya, terjadi selisih kenaikan antara satu pasar dengan pasar lainnya salah satunya disebabkan konsumen.

‘’Kenaikan harga Sembako pada prinsipnya terjadi akibat spekulasi pasar terutama berkenaan dengan isu kenaikan gaji PNS disertai jelang masuknya bulan suci Ramadan. Setakat ini, kita hanya dapat memonitor dan memantau kondisi keseimbangan harga pasar,’’ tukas Kepala Dinas Perindustrian dan Perdagangan (Disperindag) Drs H Herman Tambusai, Selasa (21/8), di ruang kerjanya.

Di temui kemarin, pihaknya mengaku pemantauan selama satu pekan lalu menunjukkan grafik kenaikan harga Sembako terutama sekali terhadap minyak goreng curah.
Apalagi, kestabilan harga minyak goreng curah tersebut cenderung berakibat kepada penyimpangan dan penyelewengan distribusi akibat tingginya harga jual terutama di luar negeri. ‘’Tak tertutup kemungkinan terjadi penyimpangan dan penyelewengan distribusi disebabkan harga jual. Sebab sejauh ini, harga jual minyak goreng curah di luar negeri dalam hal ini negeri jiran Malaysia relatif lebih tinggi. Sehingga sangat memungkinkan pelaku usaha berspekulasi untuk mendapat keuntungan besar,’’ tambahnya.

Kecurigaan spekulan minyak goreng curah tersebut, menurut Herman, sangat mungkin terjadi. Mengingat kondisi geografis wilayah kabupaten yang terbuka di perairan laut, sebabkan kecenderungan pasar keluar negeri mudah dilakukan.

Guna mengendalikan dan menekan terjadinya hal-hal yang tidak diinginkan, pihaknya menurut mantan Kepala Dinas Pendapatan itu akan berkoordinasi seintensif mungkin kepada Dinas Perhubungan menyangkut tata distribusi dan penyalurannya dalam wilayah Kabupaten Rohil.

‘’Kita upayakan melakukan pemantauan dan pendataan riil di setiap terminal barang termasuk terminal angkutan orang guna menginventarisir setiap distribusi minyak tanah tujuan dalam kabupaten. Dengan demikian, akan mudah mencari benang merah manakala kelangkaan benar-benar terjadi,’’ ujarnya.***
(fia)

----------------------------------------------
Laporan muryadi, Bagansiapi-api redaksi@riaupos.co.id

Read More...... [+/-]

| Harga | Harga BBM Industri dan Pertamax Naik

Harga BBM Industri dan Pertamax Naik
(Harga Online) - Kenaikan harga minyak internasional mengharuskan PT Pertamina (Persero) menyesuaikan kembali harga jual BBM industri dan bahan bakar khusus (BBK). Koreksi harga tersebut berkisar 0,5 persen hingga 17,4 persen. Kepala Divisi Humas Pertamina Toharso menyatakan kenaikan tersebut untuk menyesuaikan dengan harga pasar. Keputusan tersebut tertuang dalam SK Direktur Pemasaran dan Niaga Pertamina tanggal 29 Maret 2007 yang berlaku efektif 1 April 2007 pukul 00.00 WIB.

‘’Harga BBM non-subsidi untuk pelanggan selain sektor rumah tangga, usaha kecil, transportasi, dan pelayanan umum serta harga untuk bunker internasional semuanya naik,’’ katanya di Jakarta, kemarin.

Dibandingkan harga periode Maret 2007, harga BBM nonsubsidi periode April 2007 mengalami kenaikan beragam. Premium naik 17,4 persen, minyak tanah 4,2 persen, minyak solar 2,9 persen, minyak diesel 5,6 persen, dan minyak bakar 0,5 persen. Perubahan harga tersebut disebabkan kenaikan harga pasar pada periode Maret antara 0,5 persen hingga 18,8 persen dibanding periode sebelumnya. ‘’Nilai tukar rupiah terhadap USD juga melemah 0,65 persen,’’ ungkapnya.

Harga BBM bersubsidi bagi transportasi umum tidak mengalami perubahan. Untuk premium tetap Rp4.500 per liter dan Rp4.300 untuk solar. Sementara harga minyak tanah bersubsidi untuk masyarakat dan industri kecil tetap Rp2.000 per liter.

Selain itu, terhitung mulai 1 April 2007 pukul 00.00, harga jual BBK seperti Pertamax, Pertamax Plus, dan Pertamina DEX jug naik.
‘’Perubahan harga jual Pertamax, Pertamax Plus, dan Pertamina DEX akan ditinjau kembali sesuai perkembangan harga minyak internasional,’’ tegasnya.***
(iw/izl)

-----------------------------------------------
Laporan JPNN, Jakarta

Read More...... [+/-]

Antisipasi Kenaikan Harga saat Ramadan

Antisipasi Kenaikan Harga saat Ramadan
(Harga Online) - Siapa yang tidak kenal dengan lagu Naik-naik kepuncak gunung? Bahkan lagu itu terasa makin akrab ditelinga kita akhir-akhir ini, ketika salah satu produk susu menjadikannya tema lagu iklan mereka. Memang jika ditilik melalui liriknya, lagu itu menggambarkan keindahan panorama pegunungan. Namun entah mengapa belakangan ini lagu itu juga terasa pas jika dinyanyikan ketika kita berbelanja keperluan pokok di pasar. Di mana ketika sejumlah keperluan pokok kian merangkak naik, bahkan mungkin menjelang Ramadan ini akan terus naik tinggi sekali, seperti lagu Naik-naik ke puncak gunung.


Kenaikan harga menjelang Ramadan memang seakan menjadi suatu hal yang lumrah terjadi. Di mana fenomena itu hampir terjadi setiap tahun. Oleh karena itu juga mungkin pemerintah baik pusat maupun daerah, terkesan tidak terlalu sibuk melakukan langkah kongkret guna mencari jalan keluar akan kenaikan harga sejumlah keperluan pokok ini. Seperti halnya juga fenomena kabut asap dan banjir di sejumlah daerah termasuk di Riau, yang menjadi sebuah fenomena biasa.

Padahal, seperti yang diberitakan beberapa surat kabar, kenaikan harga keperluan pokok di Pekanbaru termasuk paling dini terjadi, jika disbanding daerah-daerah lainnya. Seperti yang diberitakan Riau Televisi serta Riau Pos, berdasarkan hasil pantauan di beberapa pasar-pasar tradisional di Pekanbru seperti Pasar Sail, Senapelan, dan Cik Puan, harga sejumlah keperluan pokok telah merangkak naik sejak beberapa waktu lalu. Untuk minyak goreng curah misalnya.

Hingga kini terus mengalami kenaikan sekitar Rp200 sampai Rp300 dari Rp8.500 menjadi Rp8.700 hingga Rp8.800. Sedangkan pada beras meski beberapa waktu yang lalu relatif stabil, namun belakangan pada beras kualitas terbaik seperti Mundam, Ramos, dan Sokan mulai mengalami kenaikan dijual pada kisaran harga Rp6.500 hingga Rp7.000 per kg. Sedangkan untuk beras kualitas sedang seperti beras Vietnam dijual dengan harga Rp5.000 hingga Rp5.500 per kilonya. Selain itu beras Dolog dijual Rp3.700 hingga Rp4.000 per kg.

Selain itu, telur juga mengalami kenaikan dari Rp650 per butir naik menjadi Rp750 hingga 800 per butir. Sedangkan harga cabai dan beberapa sayur jenis sayur seperti diberitakan Riau Televisi, juga sudah mulai mengalami kenaikan.

Harga susu yang beberapa waktu yang lalu mengalami kenaikan harga yang cukup signifikan, kini pun tak ketinggalan makin mengalmi kenaikan. Susu kemasan Dancow ukuran 800 gram yang pekan lalu dijual Rp42 ribu naik menjadi Rp44 ribu. Susu bayi Lactamil ukuran 400 gram mengalami kenaikan dari sebelumnya Rp 24 ribu menjadi Rp27 ribu. Begitu juga susu Childmil 800 gram yang sebelumnya Rp64 ribu kini menjadi Rp71 ribu. Memang dalam pemberitaan di media massa juga disebutkan pemerintah akan melakukan berbagai upaya untuk menstabilkan lonjakan harga bahan keperluan pokok.

Bahkan, Kepala Dinas Perindustrian dan Perdagangan (Disperindag) Pekanbaru Suradji mengatakan untuk mngantisipasi dan mengawasi terjadinya lonjakan harga khususnya keperluan pokok, pihaknya akan menggelar inspeksi mendadak ke sejumlah pasar tradisional di Pekanbaru.

Namun hingga kini pemerintah mulai dari pusat, Pemprov maupun Pemko, belum mampu menahan harga sejumlah keperluan pokok tersebut. Dan meskipun Pemko Pekanbaru akan berencana melakuan operasi pasar ataupun inspeksi mendadak, penanganan itu biasanya hanyalah akan bersifat jangka pendek dan temporer, terkesan tidak efektif. Makanya, jika kita merunut fenomena kenaikan harga keperluan pokok ini dari tahun ke tahun, pemerintah seakan kesulitan melaksanakan kewajiban menjamin ketersediaan keperluan pangan (bahan pokok) yang murah dan terjangkau bagi masyarakat.

Ketika terjadi lonjakan harga, kebijakan pemerintah cenderung kurang maksimal karena terkesan hanya sekedar memenuhi formalitas kerja. Padahal potensi kenaikan harga berbagai keperluan masyarakat, seperti beras, gula, minyak goreng, terigu, dan susu pada tahun ini sudah bisa diperkirakan sejak tahun lalu.

Dari fenomena ini semestinya pemerintah sudah dapat memetakan akar masalah dan kendala terbesar yang menjadi faktor utama penyebab melonjakan harga. Dengan catatan, pemerintah perlu mengedepankan komitmen terhadap rakyat dengan menjamin stabilitas harga dan pasokan bahan-bahan pokok.

Hal inilah sepertinya yang belum nampak. Jadi, tak dapat dipungkiri terjadinya penomena kenaikan harga-harga bahan pokok selama ini, salah satu faktor utamanya disebabkan masih rendahnya komitmen pemerintah sendiri.

Makanya dalam salah satu dialog di salah satu media nasional pengamat ekonomi Prof Dr Ir H Eddy Jusuf SP Msi mengungkapkan gagalnya program stabilitas harga seperti halnya minyak goreng lebih disebabkan rendahnya komitmen pemeritah sendiri, dalam hal ini pemerintah pusat.

Ini terlihat dari komitmen PT Perkebunan Nusantara (PTPN) yang notabene milik pemerintah tak mampu berbuat banyak, ketika dihadapkan pada situasi harga minyak goreng domestik dan tingginya bahan baku Crude Palm Oil (CPO) di pasar dunia. Dengan demikian, dampak yang ditimbulkan dari kenaikan harga CPO ini pada akhirnya dapat memicu terganggu stabilitas harga-harga keperluan pokok lain seperti sabun, margarin, dan lain-lain.

Untuk itu jika pemerintah sebenarnya betul-betul mempunyai komitmen. Pemerintah pemerintah perlu bergerak lebih cepat mengendalikan kenaikan harga keperluan pokok, guna menekan inflasi yang lebih tajam. Sebab menurut teorinya, terjadinya inflasi di antaranya dipengaruhi adanya kenaikan indeks pada kelompok barang dan jasa. Kenaikan angka inflasi ini juga disebabkan sikap pemerintah yang membiarkan harga keperluan pokok mengikuti mekanisme pasar. Sementara pasar sendiri mempunyai kepentingan-kepentingan tertentu dengan memanfaatkan situasi menjelang Ramadan.***

--------------------------------------
Suardi SSos, staf Humas UIN Suska Riau.

Read More...... [+/-]

Offset Mortgages Can Save You Thousands

Offset Mortgages Can Save You Thousands
Offset mortgages offer an attractive alternative to traditional mortgages and can save you thousands over the long term. Buying a home is an exciting time, and it is the biggest financial purchase that most people undertake. The majority of homebuyers cannot afford to buy a house outright and it would be impractical to save up the full amount of the house before you bought it, because you would need somewhere to live in the meantime.
Therefore, the usual practice is to take out a mortgage – a loan secured against the property you are buying. In the United Kingdom, there are different types of mortgages to choose from, which include a mortgage that is a big success in Australia, from where it originated. It is called an offset mortgage.

Basically, offset mortgages use the interest earnt from your savings accounts and current accounts against your mortgage interest; and as a result this reduces your overall mortgage repayments. With offset mortgages, your mortgage account runs alongside all your other accounts, and the net balance for all the accounts is calculated, normally on a daily basis.

The interest is then worked out on the overall total you have in your accounts. All the interest you have earnt from your savings and current accounts goes straight into your mortgage account. As with most mortgages there are variations around this theme, such as a current account mortgage (CAM). Your salary is paid directly into your mortgage account where it immediately reduces your mortgage balance. You can then draw against the account for your normal spending as you would with an ordinary account.

The mortgage balance and interest is calculated daily, so even if money were left in your account for a short period, it would still have some positive impact on the cost of your mortgage. Offset mortgages are very efficient. They will enable you to dedicate the bulk of your savings to reduce your mortgage, which can save you thousands of pounds from the mortgage cost, and allow you to pay off your mortgage early. You would still have the flexibility to divert your savings to other uses, however you would give up some of the savings made on your mortgage. The drawbacks to offset mortgages, is that the mortgage interest rates can be higher than the deals you could get on other types of mortgages, and there are often no special offers, such as low discounted rates for the first few years. If you tend to keep a low balance in your current account and have little in the way of savings, the benefits you get from combining the accounts may be too small to outweigh the extra cost of the offset mortgage.

You also need to be efficient with keeping track of your financial outgoings, especially in the case of a CAM where you have just a single account for both your mortgage and current account. You do not necessarily need an offset mortgage to pay off your mortgage early. You could have an ordinary mortgage and a completely separate savings account. Then, occasionally you could use your savings to pay off a chunk of your mortgage, which could end in you paying off the mortgage early.

However, unlike offset mortgages, you would have to pay the tax that was earnt in the savings account. An offset mortgage could be the right mortgage choice for you, if you are good with your finances, generally have a high current account balance, have reasonably high savings and you are a taxpayer, particularly a higher rate taxpayer. In the United Kingdom, an increasing number of financial lenders are offering offset mortgages because of the benefits they offer to the customer. Donny Kemble wrote the article on ‘Offset Mortgages Can Save You Thousands’ and recommends you visit http://www.offsetmortgagecentre.co.uk/offset-mortgages.html for more details on offset mortgages.***

------------------------------------------------------
By: Donny Kemble
Source: http://www.offsetmortgagecentre.co.uk/

Read More...... [+/-]

Harga | Buy and Sell

harga advertisement