Jogja Tourism

Modernize Traditional Market


12/01/2009 11:26:44 to protect traditional markets, the government could invest in large-scale to build and improve facilities in the markets, so it does not seem to make slums and markets as a competitor, modern shopping center. "Markets started tergeser traditional markets because of the construction of modern facilities and be less. I worry if the problem is not serious, the traditional market that was small object people will tergeser by modern markets. Before that happens if the local government would that modernize traditional markets, "said economic expert from Gadjah Mada University Revrisond Baswier. So that markets can exist for a more competitive competition, ideally limit the permission of the local government department. However, in practice if it can not be optimal, the government should optimize the development of traditional markets. This is important. Because in the era of globalization increasingly selective in determining consumer shopping. So in addition to cheap prices, facilities and comfort is also a priority. What about the attitude Market Traders Association of Indonesia (APPSI) maraknya the mall? According to the Chairman of APPSI DIY, GKR Pembayun, to anticipate maraknya mall-mall APPSI Management center is trying to set up a short distance through the provision at this time have started socialized. Nevertheless APPSI himself as an administrator still feel concerned with the mall. According Pembayun, there is a tendency for the price of goods at the hypermarket is lower than the traditional markets. To overcome that, besides the distance, the price should also be considered. Last year it was already applied for example, start at the price of eggs hypermarket / supermarket may not be lower than the traditional market. To protect the existence of the markets, he added, the association had objections over the mall-mall that the flare. Read More..

Modernize Traditional Market

Objection is submitted through the management of the center to be next or communicate in the Ministry of Trade. "I'm optimistic if the markets managed well, in addition to the consumers feel more comfortable when shopping, the traditional market can be one of the objects that have a tourism prospect is good," explained. Kabid of Trade of Industry, Trade and Cooperation (Disperindagkop) DIY, Riyadi Good explained, the existence of traditional and modern market can not dibenturkan. Both this market segment has its own. However Riyadi the importance of implementing the certainty of the traditional market price. Not because a few people who are reluctant to bid and select a more exact price, such as in the modern market. "If the traditional market traders to give an exact price will be better," he said. While the modern market, Riyadi add, have a particularly positive role in a product for small businesses small and medium enterprises (MSMEs), including agricultural products.
Therefore, the role of the market should be able to absorb modern production MSMEs. However, he recognizes the need to distance or location of the modern market, not to each other collide. "The authority to manage the existence of modern markets are located in the district / city level," he said. Own party in support of the provincial level, as initiated by the Commission B DPRD DIY. The idea to create a Traditional Market regulation is necessary to further coordination with Pemkab / Pemkot in DIY. Vice Chairman of Commission B DPRD DIY, Nur Achmad Affandi out, support the protection of the traditional market of the development of modern markets. On the basis of that, the council then has the Raperda Traditional Market. "We want competition in the middle of this, the interests of small communities in the traditional markets still awake," he said. So far, the idea for the establishment of this Raperda hold dug. It is expected that the market can be a matter of a draft form. Meanwhile, Chairman of Kadin DIY, H Soekamto ask the government to increase attention to the provision of market for the community. In addition, the interests of small people into the government's attention. Self-Service Commissioner Pamella Drs H Sunardi Sahuri states, in addition to livelihood and help reduce high unemployment, with a modern shopping center to establish himself hope the community can make it easier to meet daily needs. Although the type of goods offered is not much different from the goods sold in traditional markets, but did not consider himself the traditional market as a competitor. Instead it is building togetherness (synergies) to provide the best service. Read More..

Analyze poverty with empowerment BMT

Gejolak ekonomi yang terjadi di hampir seluruh belahan dunia akhir-akhir ini menjadi sebuah persoalan serius. Pertanyaan besar kita (baca: masyarakat) adalah kenapa hal ini bisa terjadi? Apakah ekonomi liberal sudah tidak sesuai dengan jaman? Atau memang karena sistem sesuai?
Seperti kita tahu, sistem ekonomi saat ini secara umum didasarkan pada mekanisme pasar, sehingga tuntutan pasar akan ditentukan kekuatan pemodal. Ekses lebih jauh adalah orang yang punya uang (modal) semakin bisa menciptakan (mendikte) pasar untuk menambah kekayaannya. Dengan kata lain ternyata sistem ekonomi sekarang lebih memperlebar jurang kemiskinan.
Salah satu alternatif yang bisa dilakukan untuk mengurangi kemiskinan adalah dengan gerakan pemberdayaan ekonomi. Seperti yang telah dilakukan oleh Muhammad Yunus dengan pola Gramend Bank-nya. Menurut dia, kemiskinan bukan karena ketidakmampuan seseorang dalam memperbaiki taraf hidupnya, tetapi lebih karena belum adanya kepercayaan terhadap kemampuan mereka. Hal ini telah dibuktikan M.Yunus, dengan uang stimulan yang tidak banyak (pribadi) bisa memberdayakan mereka. Dan yang lebih penting lagi adalah basis mereka adalah kalangan mikro, karena kalau kita cermati kalangan mikro adalah penyumbang terbesar dalam sistem ekonomi khususnya di Indonesia.
Berbicara gerakan ekonomi mikro tak salah jika sekarang menyebut peran salah lembaga mikro (syariah) yaitu BMT. Perkembangan dan sepak terjang BMT luar biasa.
Hal ini terlihat dari antusias masyarakat yang mulai menggunakan jasa layanan BMT. Selain itu juga terlihat dari banyaknya BMT yang muncul dan berkembang. Hal ini mungkin didorong oleh kesadaran masyarakat yang mulai timbul dan juga dipicu adanya kinerja positif, produk dan fasilitas yang diberikan. Menariknya, kini secara umum sudah terdapat sinyal-sinyal yang menunjukkan bahwa masyarakat lebih tertarik untuk bergabung dengan perbankan syariah (termasuk BMT) dan meninggalkan dunia perbankan konvensional dengan semakin baiknya kinerja dan persepsi masyarakat.
Gejolak ekonomi Nasional yang terjadi sejak tahun 1998 ternyata tidak membuat BMT goyah. Bahkan dalam satu dasawarsa terakhir semakin banyak tumbuh dan berkembang BMT. Karena sejalan dengan filosofinya, BMT adalah lembaga pemberdayaan dengan tujuan saling menguntungkan. Faktor inilah yang menjadikan BMT bisa digunakan sebagai alat mengurangi kemiskinan dengan model pemberdayaan.
Hal ini yang menjadi salah satu alasan para pelaku bisnis mulai tertarik mendalami dan terjun langsung di dunia BMT. Dengan proses yang tidak rumit, seorang pelaku bisnis yang mempunyai modal dapat dengan mudah mendirikan BMT. Namun, tidak semudah pendiriannya, proses pengembangan dan pengendalian BMT memerlukan sumber daya insani (SDI) yang berjiwa wirausaha dan ketelatenan serta keuletan yang tinggi. Hal itulah nampaknya yang kurang diperhatikan dalam pendirian BMT.
Muncul dan berkembangnya BMT memang tidak terlepas dari berbagai faktor. Pertama, bisnis ini pada masa awalnya terkesan mudah dan gampang dilakukan. Dengan modal seadanya orang bisa membuat BMT. Saking begitu gampangnya sehingga kadang banyak sebutan yang dialamatkan kepada BMT dengan nada miring, dari rentenir syariah, penagih syariah dan sebagainya. Selain dari sisi hukum juga masih dipertanyakan banyak orang.

HC Adi Kistoro
BMT Consultants, Living in Yogyakarta
Read More..

Analyze poverty with empowerment BMT

Second, the market is wide open. The majority of the perpetrators of our economy is actually the micro-economic actors. Traders traditional market average is mbok-mbok basket, cadger, food and other stalls. Prediksinya to future opportunities in this sector is still very wide.
Thirdly, the interest banks Fatwa unlawful. Fatwa effects make this clear the banking sector (read: conventional) slightly beaten. Slowly but surely people started to switch to the sharia. Conventional financial institutions and many of its own 'latah' implement the system Dual Bank. Competition to become competitive. This is reasonable because the growth of sharia banking assets predicted could reach 65%. How does not become a new market?
Along with its booming financial institutions, especially the sharia microfinance sector (read: BMT) was also noted that many issues must be resolved soon. There is no parent organization (such as BI) which is the reference for the BMT. Eksesnya spread to many things, The supervision and reporting of financial, operational standard raw materials, process development Resources Humanities (SDI) and other.
According to the author hemat factors SDI became the main focus pembenahan, although other factors also become a priority. Because the perpetrator (SDI) in this business that will make the BMT is big or 'bankrupt'. A large number of BMT appear, say, with roughly as much as 500 percent of the fruit, not a guarantee will continue to stand. Most only 40% are still 'breathing' (read: life), and function. Most of which live only itupun based on the spirit (ghirah). The nature and attitude have not become a professional culture of work. While professionalism is a competency that must be held to build an institution.
There are at least three factors that can be seen in the grip of professionalism. First, IQ (intelegent question). Is the IQ here is an ability that is required to think of an institution. Managing an organization requires thinking strategies and a reliable and accurate. Moreover, the number of institutions that appear BMT directly or will not become competitors. Too much friction is ideally will require new innovations so that these institutions and are still known.
Second, the skills (skills). The definition here is the managerial and operational capabilities. Skills that will make a workmanlike performance of a positive and productive.
Third, the attitude (attitude). This attitude reflects the behavior of an institution's management. BMT also should be able to be the best institution for the public. Read More..

Analyze poverty with empowerment BMT

Once again with the reality on the view, one important thing is to be a priority early pembenahan professional attitude insaninya resources. The establishment of the desired SDI is a step that is not easy and must be sustainable (sustainable). Development of the nature and professional attitude should be based on the positive values that have been recommended in the teachings of Islam. According Estentino (Republika: 2005) describes the steps - the development of professionalism in three ways:
First, the need to find a FAST SDI namely that nature has fatonah, trust, smart and Tabligh. Nature such as this will establish a culture of effective, skilled and quick service.

Second, a clear and SOP terimplementasi in practice. SOP will be limited in the rights and authority of each. These restrictions are intended to further optimize performance.
Third, the infra structure adequate for smooth operations BMT. With at least 3 pillars will establish a sustainable process (ongoing). Added by Coal (Capital: 61). That the three pillars that together in building a winning SDI is a professional and
First, the bank LKS as sharia, BPRS and BMT. This institution as a place to grind, formed in the practice of fact. Second, the institutions of formal education that print players (actors). Third is the location of the institution. In the system of soccer is the third pillar can dianalogkan as football, soccer players and the soccer fields. So pembenahan human resources other than internal factors, such as that described Estentio, must also be internal factors, including education institutions with a print SDI specifications department.
According to the author sparing third pillar is still one part can be added as the fourth pillar, namely the legality and support from the government. Government diibaratkan as referee. The government will blow the whistle if the warning in the implementation of an institution does not obey the rules of play apply.
If we are aware, the SDI should be anticipated since early, so that later in the day and not a serious obstacle. As the majority of the world's largest financial institution system should be both macro and micro can handle (signed). Financial institutions sharia ideally also can be a paradise for the growth of the banking system based on the Al-quran Assunah and as applied in the Prophet and Companions.
Electrical current issue of the SDI can increase socialization program sharia economic system to the public. Impressions from the arrested form of professional services that have not been added and the product that is not popular (read: hit the community). And that is usually difficult location (rural areas) also infra structure that is not yet complete. The many institutions of human resources that independent, especially BMT has become an alternative solution apart, although on average they also seemed to be forced (read: inconsistent). So there is a trend that seemed to obey, and finally back regularly, although there are also seriously to develop.
From the above description, a reflection of our resources that the issue of Humanities is a serious problem. If we do not respond since the early loss is the company itself as a company's success can be seen from the next generation. Finally, BMT can be expected for a small wagon Islamic economic system in order to empower communities. Not even the potential that can be diperdayai.


HC Adi Kistoro
BMT Consultants, Living in Yogyakarta
Read More..

If this occurs, then 10 years into the future people will Jogja
bertransformasi very quickly. With changes in savings Rp 3 trillion / year,
Yogyakarta have the facilities of the 3-plus local TV. In Riau, which funds
weeks more than Rp 53 trillion, the human-human can not do anything. HR
it is much different. Yogyakarta people will go to the semi-era industry and technology
information.

Is this a change? Of course! Hopefully this is not Bubble economy, but
really fundamentally change because of the ability of Yogyakarta itself. Things
have been explained above. Be prepared to always change. Success for
Yogyakarta!

PS. Prospek2 new business in Yogyakarta: property, entertainment, coffee shops, boutiques (I
saturated), restaurant. Read More..

Unfortunately, Jogja does not have natural resources (mines) and a large industrial factory
means. This city should have a port that can be accessed in the south.

Jogja many smart people. See the Road Gejayan. All the mobile business, computer
and photography, all built by students with capital and otaknya
alone. Business-like cafe business, graphic design and script consultant
is the core competence is based on soft capital (human).
Capital-physical capital such as machinery in the factory is not needed. It
shows, in Yogyakarta will talented human resources, the brain is rich in nutrition, full of ideas
and creativity.

Lucas (1988), have interesting theory. If Solow (1956) Nobel Prize winners tend to
weighed on the technology as one pemacu accelerated growth
other than population and capital accumulation, Lucas more fundamental. Technology innovation
not happen if human beings do not have a brain. Lucas ago
develop a model that explains the math human possibility, content
his head and poured the time focused on the interests of production.
The result? Wonderful! Smart people can build a city survival in the wilderness
even.

This is the capital of Yogyakarta explain why so fast growing. Two shopping malls
will be a new front opened in 2005, and Saphir Ambarrukmo Plaza Square. In
Jogjatronik south of the city there. One site in the Plaza will hire Ambarrukmo
with a range of Rp 28-35 juta/m2 for 25 years. Back capital? Itung it's NPV.
Currently a new bus terminal in the Giwangan reportedly very smooth. I really can
entrance. Airport can also be accessed directly from the caves and under construction. Year
future, will reportedly also opened a route to Sydney, Australia.(hes) Read More..

BUBBLE ECONOMY OR fundamentals?
Anggoro Budi Nugroho (*)

I terperangah with the development of the economy last Jogjakarta. Data
DIJ statistics, Bank Indonesia (2004) shows, during the year 2003, savings
third-party funds in the banking sector DIJ increases as Rp 3 trillion! Of
Rp 6 trillion in 2002 to Rp 9 trillion in 2003. Fair? Of course,
to the size of Yogyakarta.

Again. Data Bank Indonesia (2004) in Indonesia 2003 Economic Report
shows, the GDP structure we no longer dominated by agriculture.
Growth has been shift from agriculture 1.7% (2001) to the industrial sector
manufacturing 3.1% (2001). The contribution of manufacturing to GDP is at most
compared to other sectors, namely 0.8%. While agriculture was 0.3%. Apparently,
agriculture began to be abandoned. We no longer agricultural communities.

We are being changed. Indonesia's Yogyakarta and in particular, will experience a transformation
quickly from the social to the semi-agricultural industries. People move from the market and
vegetables to technology and information. Survey Division Kebanksentralan Bank
Indonesia (2002) on the competitiveness of the economy of the region shows, Yogyakarta
in rank to-5 in terms of competitiveness in general. Domestic Products
Gross Regional (GDP) per capita only half the income of Jogja
Papua potential people per head per year. However, from the perspective of human resources, Yogyakarta
to sit in the rank-2 after Jakarta! Apparently, in terms of brain Jogja
defeat of East Java, West Java, East Kalimantan and Riau, which is much more rich two
times.(hes) Read More..

Tiga Jurus Strategi Bisnis

jurus-bisnis.jpgApa sebenarnya yang membuat Microsoft terus berjaya? Lalu mengapa Nokia mampu menjadi produk cell phone yang paling banyak dicintai para konsumen? Dan apa yang membuat BMW selama puluhan tahun terus menjadi ikon kemakmuran yang terus diburu orang? Belajar dari kisah sukses perusahaan-perusahaan berskala global terkemuka dalam melayani pelanggan, tampaknya ada sejumlah wisdom yang bisa dipetik. Pelajaran utama yang bisa diambil adalah ini : bahwa proses melayani pelanggan ternyata mesti diawali dengan pilihan strategi yang benar. Dengan kata lain, proses melayani kebutuhan pelanggan ternyata tidak sekonyong-konyong muncul dari langit, namun mesti diselaraskan dengan pilihan strategi perusahaan (corporate strategy) yang telah diputuskan.

Dalam konteks ini terdapat tiga jurus strategi yang acapkali diaplikasikan oleh perusahaan-perusahaan kelas dunia. Jurus yang pertama adalah pilihan strategi yang berorientasi pada product leadership (keunggulan produk). Perusahaan pada kategori ini selalu berupaya menciptakan produk-produk dengan kualitas premium, dan selalu one step ahead dibanding produk kompetitor. Mereka tak segan-segan mengeluarkan dana besar untuk bagian R & D-nya demi terciptanya produk yang ciamik. Intel yang terkenal dengan seri Pentium-nya mungkin contoh yang paling sempurna untuk kategori ini. Atau juga perusahaan-perusahaan adibusana seperti Louis Vuitton yang tenar dengan produk tas-nya. Dan tentu saja, kita mesti menunjuk BMW dan Ferarri, dua produsen otomotif yang selalu menciptakan produk-produk legendaris nan menawan.

Jurus strategi yang kedua adalah pilihan yang berorientasi pada operational excellence (keunggulan operasional). Bagi perusahaan dalam kategori ini, yang paling utama adalah membangun proses bisnis yang super efisien. Harapannya, dengan efisiensi proses ini, mereka mampu menekan ongkos produksi, dan ujung-ujungnya bakal mampu menjual produknya dengan harga yang lebih kompetitif. Dell, perusahaan komputer asal Texas itu, merupakan sampel yang layak disebut dalam kategori ini. Dengan model dan proses bisnis yang amat efisien, mereka mampu menciptakan produk-produk desktop dengan harga yang lebih komptetitif dibanding para pesaingnya, semacam IBM dan HP.

Jurus yang terakhir adalah pilihan strategi yang mengacu pada customer intimacy (keintiman dengan pelanggan). Bagi perusahaan dalam kategori ini, yang paling utama adalah membangun hubungan yang intim dengan para pelanggannya; dengan harapan akan tercipta relasi yang langgeng. Banyak perusahaan di bidang perhotelan dan juga penerbangan yang melakoni strategi ini demi membangun loyalitas para pelangggannya. Harley Davidson juga amat terkenal memiliki hubungan yang luar biasa intim dengan para pemakainya; sehingga mereka bisa membangun fanatisme yang amat intens dengan jutaan penggemarnya di seluruh jagat.

Tentu saja, banyak perusahaan yang juga mengkombinasikan beragam jurus itu, dan tidak hanya berfokus pada satu jurus. Honda misalnya, selain dikenal memiliki produk-produk yang unggul, juga dikenal memiliki proses bisnis yang amat efisien. Demikian juga, Singapore Airline. Selain memiliki produk penerbangan yang ciamik, mereka juga memiliki keahlian dalam membangun hubungan yang intim dengan para pelanggannya.

Demikianlah, tiga jurus strategi bisnis yang layak dikedepankan. Deretan jurus yang bila dipentaskan dengan presisi yang tinggi dijamin akan menghantarkan sang pemainnya dalam bahtera keunggulan.
Read More..

Beberapa tips bagi kamu yang akan ataupun sudah membuka bisnis online khususnya TOKO ONLINE

1. Yang terpenting dalam usaha ini adalah menumbuhkan kepercayaan pada toko online kita. Ada dua hal yang harus dilakukan oleh para pelaku usaha online(shooping online), pertama, tunjuk-kan indentitas dengan jelas. Sebaiknya mencantumkan nama, alamat lengkap bah-kan foto pelaku usaha dalam toko online-nya(cth butik online), Kedua, jadilah orang yang gaul di internet dengan cara aktif dalam mills ataupun blog-blog sehingga makin dikenal

2. Rajin memberi tips dan trik. Jangan hanya mengisi toko(mis toko baju) dengan pajangan produk jualan saja(misl hiasan natal dan lainya) tetapi juga dengan newsletter unik dan bermanfaat yang berkaitan dengan produk jualan yang ditawarkan

3. Bergaul akrab dengan Google, dengan cara sering meng-up-date data-data dalam toko online kita(cth butik online dan hiasan natal). Dengan sering-nya mengupdate data, maka Google juga akan sering meng-update data kita secara otomatis.

4. Bangunlah kredibilitas dengan cara tidak hanya menjadi penjual produk(shooping online) tetapi juga seorang ahli dari produk kita. Contohnya bila toko online kita menjual baju maka se-baiknya juga menyediakan, newsletter yang berkaitan tips! memadumadankan baju.

5. Tampilkan testimoni dari pembeli, ada baiknya menampil kan testimoni pembeli untuk! menggambarkan bahwa banyak yang menyukai toko online kita cth toko baju dan toko fashion lainya.

6. Buatlah pengunjung dan permbeli toko online kita nyaman(shooping online), dengan nilai lebih dari toko online seperti newsletter yang menarik, isi yang sering di-update dan situs yang interaktif terhadap pengunjung cth toko jaket dan toko fashion.

7. Bangunlah komunitas(mis butik online komunitas), karena dengan menciptakan pelanggan yang loyal, ke depan-nya bila menjual produk lain maka pembeli akan langsung percaya.

8. Membangun sistem afiliasi, dengan membiarkan orang lain menjadi salah satu agen kita.

9. Hindari spam yaitu mengirim email yang mengenalkan toko kita ke sembarangan email orang lain tanpa diminta. Hal ini hanya akan menurunkan kredibilitas toko online tersebut

10. Beriklan lewat artikel. Dalam arti buatlah bahasa iklan seperti membaca artikel karena tidak ada satu pun orang suka membaca iklan. Read More..