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Entrepreneurs

History of BI (Bank Indonesia)

Institutional

Institutional History of Bank Indonesia began the enforcement of Law (UU) No.. 11/1953 on the Determination of the Basic Law of Bank Indonesia on July 1, 1953. In performing his duties as a central bank, Bank Indonesia is led by the Monetary Board, the Board of Directors and Advisory Board. In the hands of the Monetary Board is, monetary policy is set, although responsibility rests with the government. After being merged into a single bank, in the early days of the new order, the basis of Bank Indonesia changed through Law no. 13/1968 on the Central Bank. Since then, Bank Indonesia serves as the central bank and also assist the government in development with a policy established by the government with the help of the Monetary Board. Thus, Bank Indonesia is no longer led by the Monetary Board. Once the order has passed, Bank Indonesia can achieve independence through Law no. 23/1999 on Bank Indonesia as amended by Law no. 3/2004. Since then, Bank Indonesia has a special position in the structure of the state as an independent state institution and freedom from government interference and / or other parties. However, in conducting monetary policy in a sustainable, consistent, and transparent, Bank Indonesia must also consider the general policy of the government in the economy.

Monetary

After the founding of Bank Indonesia, Indonesia’s monetary policy is generally determined by the Monetary Board and the government responsible for it. Given the poor post-war economy, which was first adopted in the monetary sector are efforts to improve foreign exchange reserves through export and import activities. In the period of guided economy, deficit financing of public finance spending continues to increase, primarily to finance the government’s political project. The rate of inflation continued to soar that monetary tightening was conducted twice, namely in 1959 and 1965. Regardless of the period, the government entered a period of economic recovery through stabilization and rehabilitation program which is then forwarded to the deregulation of financial and monetary fields in the early 1980′s. Amid the ebb and flow of the economy, was born the various economic policy package that aims to strengthen the structure of the Indonesian economy.

Starting mid-1997, the monetary crisis hit Indonesia. The rupiah weakened, threatened jammed payment system, and a lot of foreign debt unresolved. Various steps taken, ranging from monetary tightening to some IMF recovery program obtained through a few of the Letter of Intent (LoI) in 1998. But ultimately bleak future can be reached. The economy is getting better as a stable political conditions at the time of reform. Accordingly, the year 1999 was a milestone for the issuance of Bank Indonesia Law. 23/1999 on Bank Indonesia as amended by Law No.. 3/2004. In this law, Bank Indonesia established as an independent state higher institutions in carrying out duties and responsibilities. As per the law, Bank Indonesia is required to set the inflation target to be achieved as a basis for planning and monetary control. In addition, successful foreign debt rescheduled and cooperation with the IMF ended through Post Program Monitoring (PPM) in 2004.

Banking

When he returned to the Unitary State of the Republic of Indonesia (Republic of Indonesia) on August 17, 1950, Indonesia’s economic structure is still dominated by the colonial structure. Foreign banks still dominate the activities of national banks, while the role of the national banks in the country are still too small. Until the eve of the birth of Bank Indonesia in 1953, the supervision and guidance of the banks have not been established. De Javasche Bank was the first foreign bank was nationalized and later transformed into BI as the central bank of Indonesia. A few years later, along with the warming relations between Indonesia and the Netherlands, carried out the nationalization of the banks owned by the Dutch. Next, guided economic system has brought state-owned banks to a single bank systems do not last long. The new order came with a change in banking with the issuance of Law No.. 14/1967 on the Principles of Banking. From then on, the banking system is in system integrity and unity of the leadership, through supervision and guidance of Bank Indonesia. Bank Indonesia with government support, in the period 1971-1972 implement policies curbing private banks with the goal of reducing the number of private banks, because there are too many and mostly consists of small banks were very weak in capital and management. In addition, Bank Indonesia also provide substantial funds through Bank Indonesia Liquidity Credit (KLBI) programs for Small Investment Credit (KIK) / Permanent Working Capital (KMKP), Credit Investment (KI), Student Loans Indonesia (KMI) , Credit Cooperatives (Kakop), Teacher Professional Credit (KPG), and so on. With this move, the central bank has taken the position as the largest provider of funds for economic development outside the state budget.

Indonesia’s banking industry has been the industry’s nearly all aspects of its activities regulated by the government and central bank. Regulation is causing the lack of banking initiatives. Year 1983 is the starting point BI gives freedom to banks to set interest rates, both credit and savings and deposits. The goal is to establish a sound banking system, efficient, and resilient. The next policy is the turning point of the government’s policy in curbing banking in 1971-1972 with the issuance of Banking Deregulation Policy Package 1988 (Pakto 88), the ease of granting new bank licenses, permits the opening of a branch office, and the establishment of rural banks (BPR).

In the next period, national banks began to face the growing problem of bad credit. This is in line with the increase in lending by banks, especially for the property sector. Economic conditions began to heat up and the inflation rate began to rise.

When the financial crisis struck in 1997, the structure of the Indonesian banking mess. On 1 November 1997, liquidating government policy issued 16 private banks. This has led to panic in the community. Therefore, Bank Indonesia fell to resolve the situation with the Bank Indonesia Liquidity Assistance (BLBI) based on policies set by the government. In addition, the restructuring measures implemented by Bank Indonesia and the government.

Payment System

The payment system in Indonesia is divided into two, namely the system of cash and non-cash payments. In Law (UU) No.. 11/1953 stipulated that the Bank Indonesia (BI) only issue banknotes to the value of five dollars to the top, while the government is authorized to issue banknotes and coins in denominations under five dollars. The first paper money was issued by BI in 1952 marked bills in seven fractions. Furthermore, based on Law no. 13/1968, BI has the sole right to issue banknotes and coins as legal tender in all the fractions. Since then, the government no longer issue paper money and coins. The first coins issued by the Bank are emissions in 1970. In the era of the 1990s, the central bank issued money in large denominations of Rp 20,000 (1992), Rp 50,000 (1993) and $ 100,000 (1999). This was done in order to meet the needs of large denomination along with ongoing economic development at that time.

Meanwhile, in the field of non-cash payments, the central bank has initiated steps to establish itself as the central office of the calculation of the end of 1954. As the central bank, since the beginning of BI has been working hard in the monitoring and restructuring the payment system demand deposits. BI also keep trying to perfect giral various payment system within the country and abroad. In the period from 1980 to the 1990s, economic growth is improving and the volume of non-cash payment transactions have also increased. Therefore, the Bank began to use the system more effective and sophisticated in the settlement of non-cash payment transactions. Various systems such as Semi Automated Clearing Local (SOKL) on the basis of personal computers and the Inter Funds Transfer System and the Integrated Automated Office (MIRACULOUS) with a paperless transaction system to be developed and refined. Finally, BI systems have created a variety of electronic devices such as BI-LINE, Jakarta Electronic Clearing System (SKEJ), Real Time Gross Settlement (RTGS), Information Systems Clearing Distance (SIKJJ), clearing slips between the working area (Intercity clearing), and scriptless Securities Settlement System (S4), which further facilitate the implementation of non-cash payments in Indonesia.

Governor of Bank Indonesia (1953 – present)
Mr. Sjafruddin Prawiranegara Term of Office: 1953 – 1958
Mr. Judge Loekman Term of Office: 1958 – 1959
Mr. Soetikno Slamet Term of Office: 1959 – 1960
Mr. Soemarno Term of Office: 1960 – 1963
T. Joseph Young In Term: 1963 – 1966
Prawiro Term of Office: 1966 – 1973
Rachmat Saleh Term of Office: 1973 – 1983
Arifin Siregar Term of Office: 1983 – 1988
Adrianus Mooy Term of Office: 1988 – 1993
J. Soedradjad Djiwandono Term of Office: 1993 – 1998
Sjahril Sabirin Term of Office: 1998 – 2003
Burhanuddin Abdullah Term of Office: 2003 – present

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Entrepreneurs Manage Finance

Entrepreneurial Management – How to Create Your Favorable Financial State and Influence

An entrepreneur is one who is successful in business. To lead the kind of life you want you should command a favorable financial state and you can do this through entrepreneurial management; the ability to create a business and be your own boss. The more people own their own business in a country, the better and safer the country will be; people who have a stake in their nation and community are its best citizens. A well-run business can generate unbelievable profits, outperform any other source of gaining wealth and surely bring you fame. Build a solid foundation for a business in order to build great investment for your future.

Entrepreneurial management demands you bring to stage your wits and wisdom to make things happen in exceptional ways. Before you start your journey to riches, you must take inventory of your current situation. The goal in wealth building is to do things far beyond your current demands you motivate yourself, go outside your comfort zone to maximize your abilities and potentials. In order to succeed in what you do, you need to expand your thinking outside your reality zone and aspire for greater heights. This is an ageless and timeless concept that I discovered in the life of all successful entrepreneurs. They strengthened their ability to manage and lead the affairs of life.

Are you ready to take absolute control of things and bring yourself to a focus with the rightful state you desire? Build assurance through concentration, affirmation and harnessing your skills in line with what you aspire for. Plant the seed of greatness in your mind and fertilize it. What is the degree of your idea power? Idea is the life blood of entrepreneurship. Fill your mind with reliance and also fill it with positive thoughts that paint your passion and produces productivity. Take a detailed look at your current reality and form a clear picture of where you would like yourself and your business to be in future. Define your niche, be smart, identify your customers and give them the best of services.

 

The secret of successful entrepreneurial management is to love what you do. The entrepreneurship lifestyle is for those who have the great mind to stand tall even in difficult situations. To make things easier for you, raise people and mentor/coach them to run the business and you have time for other things. Establish a good relationship with people. Once you are making a lot of money from your business, use the income realized to invest in additional assets in order t make more passive income. If you are in a paid job, I advice you not to quit your job when you are just starting your journey towards your entrepreneurship dream. You need that salary to help leverage your way to success in your entrepreneur goal. Synergy is the sagacity you need to make things happen faster and in a greater way. Partner with like-minded visionaries. Re passionate about the business you are in. this creates motivation and keeps going even in front of difficulties. Establish your entrepreneurial management capacity and create your favorable financial state to be a person of influence in this day and age.

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Entrepreneurs

Trends in Entrepreneurship 1000 Last Year

Let us examine the trend of the last 1000 years. There we see the transfer of power in the group of people or individuals.

year 1000
Power in the hands of the clergy, which incidentally are some people who can read and write

year 1455
Invention of printing which allows more knowledge could spread to more people. Thus the power shifted from religion to politics

in 1555
Politicians began to be more powerful and to maintain power, the bureaucracy is made

year 1970
The discovery of the microchip allows more information to person group spread is greater. Power slowly shifted from politics to economy

year 1995
Economy is now so important that the cause of the downfall of many political leaders (exp.Presiden Suharto of Indonesia, Prime Minister Chavalit Yongchaiyudh of Thailand) during a very short period

Year 2020 balance of power shifts slowly from the bureaucracy to entrepreneurship. (Bill Gates was chosen as the most powerful people in the UK)

It has been predicted that over the past 25 years, individual bureaucrats will be defensive, looking for ways to maintain existing security status of their living standards, while the entrepreneurial individual who will be offensive, seeking to enlarge their opportunities, their skills and increasing their quality of life .

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Entrepreneurs

History of State Bank Indonesia

Like the best knowledge about the world that Indonesia’s banking former colonial masters, the Dutch. Therefore, the history of banking was not separated from the influence that invaded his country for government banks and private banks. The following describes briefly the history of government-owned banks, namely:

*    Central Bank
Indonesia’s Central Bank is the Bank Indonesia (BI) based on Law No. 13 of 1968. Then again confirmed it by Law No. 23 Year 1999.Bank previously derived from De Javasche National Bank on it in 1951.
*    Bank Rakyat Indonesia and the Export Import Bank
*    Bank is derived from De Algemene Bank Volkscrediet, then melting after a single bank under the name of National Bank Indonesia (BNI) Unit II engaged in rural and export import (exim), separated again into:

1. In charge of rural to Bank Rakyat Indonesia with Law No. 21 Year 1968.

2. Exim charge of the Law No. 22 Year 1968 to Export Import Bank Indonesia.

*    Bank Negara Indonesia (BNI ’46)
*    Bank BNI Unit III underwent the Law No. 17 Year 1968 turned out to be Bank Negara Indonesia ’46.
*    Bank Dagang Negara (BDN)
*    Escompto BDN from nationalized bank in the Government Regulation No. 13 Year 1960, but the PP (Government Regulation) was repealed by replaced by Law No. 18 of 1968 became Bank Dagang Negara. BDN is the only one that is outside the State Bank of Bank Negara Indonesia Unit.
*    Bank Bumi Daya (BBD)
*    BBD was originally derived from Nederlandsch Indische Hendles Bank, later became Hendles Nationale Bank, further bank became Bank Negara Indonesia Unit IV and based on Law No. 19 Year 1968 to Bank Bumi Daya.
*    Development Bank Indonesia (Bapindo)
*    Regional Development Bank (BPD)
The bank was established in the regions level I. Its legal basis is Act No 13 of 1962.
*    Savings Bank Negara (BTN)
BTN came from De Post Paar Bank in the Postal Savings Bank in 1950. Further to Bank Negara Indonesia Unit V and finally to the State Savings Bank with Law No. 20 Year 1968.
*    Bank Mandiri
Bank Mandiri is the result of a merger between Bank Bumi Daya (BBD), Bank Dagang Negara (BDN), Development Bank of Indonesia (Bapindo) and Bank Indonesia Export Import (Exim Ban). The results of the four bank merger was implemented in 1999.

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Entrepreneurs

Want to Become Entrepreneur Printing Santri

Surabaya, Indonesia. Age 43 years. Who would have thought this respected kiai who had been a coffee farmer. Even science is ‘high’ in terms of coffee, because Muhammad Zakki has become entrepreneurs in the field.

“In addition to religious education, students learn to manage the business,” he said to Surya encountered in the pesantren, the Housing Graha Tirta, Waru, Sidoarjo.

Most of the students who are still studying at college in Sidoarjo and Surabaya were taught to produce processed coffee to sell to the market.
Hundreds of students are invited to get involved directly process the seeds to turn coffee into your cooking and coffee powder.

According to Muhammad Zakki, they instantly become the practice of product marketing personnel to a number of traditional markets throughout East Java. Within a month, hundreds of students was able to produce about 20-25 tons of coffee cooking. There are two brands of coffee produced these students.
“Brand and Pendowo Makhota Limo King,” said alumnus IAIN Sunan Ampel 1993, the East Java Chamber of Commerce board since 2009.

The students are studying for three years. Once they graduate, schools do not take it off straight away. However, keep in touch with them and encourage the practice expertise to make coffee.

According to Etty Sriwinarti husband present, it supplies raw materials for the students and encourage them to open businesses in their respective places of origin.

The idea of ​​establishing an educational boarding santri entrepreneurial minded since it occurred to cultivate the coffee business for 15 years. But the intention was only sparked when he was performing the Hajj in 2004.

Muhammad Zakki pray in the Holy Land of Mecca in order to establish a boarding business intentions materialize. “I want to help. Those of them come from disadvantaged families, “he explained.

Once home from the pilgrimage, Muhammad Zakki gradually realize his intentions. Independent boarding and Agribusiness believer was built in 2006 and receiving students. Now 112 students have been living in boarding schools located in the middle of this housing. 2013, schools are ready to receive santriwati.

Then what is the background of these entrepreneurs founded the boarding school? Muhammad Zakki see a lot of potential for agribusiness in Indonesia that has not managed properly. On the other hand, he saw the potential is enormous if the students were given a business lunch.

“Potential students are less empowered, that’s why I want to print the students to become entrepreneurs. Because my coffee business, yes I teach the trade of coffee, “he said.

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Entrepreneurs

ENTREPRENEUR OF EMOTIONAL INTELLIGENCE

“Prioritize our emotional intelligence in business it is an absolute must

You begin to heat? You think you already have what it takes to become an entrepreneur? You’ve read all the success stories about people and it makes you “hot”? True, the reader, if that happens, it’s time to become your own boss. But, if you’re ready to leave good jobs and comfortable with a monthly salary, modern office, the efficient secretary, and a sense of security that comes on when you work for an established organization?

A friend who has spent years working on the largest national airline company, with thousands of staff, salaries of millions, full facilities, all of a sudden decided to get out and entrepreneurship. The first words are received,
“Are you crazy?” …. “You destroy a promising career” ….. and other abuse. Not to mention the feelings of children and wives, parents and other relatives who could not say …

Takes great courage to write a letter of resignation. Still confident are you have everything that will lead you to become a successful entrepreneur? Then what would you do? The first rule of entrepreneurship, train yourself to see the void or gap in the market, then fill it.

Look around you. Look at the people on the streets, they are sitting behind a sewing machine, what services will he give? Look at her chicken satay seller of women near the inn cheap, why would he choose that location? How about a new hotel on the main road, why be so successful? What about the people who worked on the computer it can be very successful in the business of his own software program?

There is a short answer to all these questions: it exists because there is business that requires them. No matter whether you try the chicken thighs, a nice restaurant or a website. Or, are you talking about the daily round of 100 thousand or 100 million, starting from A – B, even up to C, the same principle:
1 Success in business
2 Working with the principle
3 Finding a vacancy
4 And fill it!

As the world of men were struck with the discovery of Viagra blue pill is a drug that is actually a pacemaker, but then so hyper organ of male virility, a few years ago the whole world simultaneously publish it (remember, Viagra has never advertise in any media). The result, Viagra became the product of the year and generate billions of dollars for the inventor.

The case of Viagra in the world, apparently provided the inspiration for Jonathan Simon. After the previous success breeds Extra Joss, which generates hundreds of billions, and then came the IREX more or less the same function as Viagra. With the tag line “Mama Birthday Gift”, and is packed with ads that are played by men emaciated and sluggish, has suddenly become powerful after drinking IREX, the result, this product in the market exploded. Yes, they are alert to opportunities, and fill the void.

Then why do not you do this? If you are first offered to the public what the public needed and not obtained from other people, or if you manage to anticipate a need in the future, you have a good chance to become rich. Until now, the competition, you will have all the markets alone.

History provides many examples of entrepreneurs who became successful by meeting or anticipate the need for new products. Isaac Merit Singer sewing machines produced are suitable for working in confined spaces, even in the room though. Henry Ford’s assembly line method was used to produce cars that ordinary people can buy. George Eastman saw a need for a small camera is portable. Ray Krock of Mc Donald saw the potential of fast-food franchise.

Where did it come ideas like that? There are three kinds of sources of ideas.
First, your job. The work you’ve done could be a potential source of ideas, because that’s where you’ve developed business sense.
Second, your hobbies or interests outside of work, because it is an other area where you have a natural feeling.

The third source, is what is often referred to as “pedestrian observations”, or recognize an opportunity through an ordinary meeting, or an incident in your everyday life.

If you are first, then you should not brilliant. Later you’ll have time to develop and improve everything you’ve ever done. But when the others began to compete with you, then you have to be the best.

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Entrepreneurs

Plunge into the two state-owned enterprises Business Hotel

“Budget Hotel” or budget-friendly hotel or hotel like a magnet in the wilds of saving the hospitality industry. Not just a glance at the giant property developer business potential of this budget hotel, but also state-owned enterprises (SOEs) involved enamored with the business sector is tourism.

Uniquely, the state is interested in the budget hotel business is not a state that already has a hotel business background, such as PT Hotel Indonesia Natour. Who looked at this budget hotel business is airport operator company, namely PT Angkasa Pura I.

Companies that used to take care of these flying boats dare poured Rp68 billion investment to build two hotels budget hotel concept is simple alias, at Juanda International Airport, Surabaya, and the Sultan Hasannuddin.

Since no experience in hotel business, Angkasa Pura I is partnering with a hotel operator, Accor Asia Pacific is Indonesia. In the hotel business, Angkasa Pura brings hotel brand, Ibis Budget Angkasa Pura Hotel.

If nothing gets in the way, the hotel began operating November this year.

Angkasa Pura Hotels dare set a target of 2022 units of budget hotel rooms will be ready until 2016.

Not only AP I, there is another company that is now follow-owned budget hotel business. The company is PT Pos Indonesia. SOEs that have a business network to the remote villages would also follow business budget hotel.

For the budget hotel business, Pos Indonesia investment worth Rp70 billion.

The first stage, Pos Indonesia to build two budget hotels in the city of Bandung. Pos Indonesia to build hotels in the city of Flower is because there has property assets. In addition, London is known as a tourist destination for the citizens of Jabodetabek.

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Entrepreneurs

Raising Ducks

In East Java, one of the production centers and salted duck eggs that are well known in the village of Modopuro, Kirkcaldy District, District Mojokerto.

Modopuro activities in the village is the maintenance of duck, salted egg making, selling fried duck, smoked duck and manufacture. In this village there are no members of the community who are unemployed. Everything from live ducks. In this village, may be said to have income of affluent societies.

Success is contagious Modopuro village to village, including the Village Mejoyo, District Ward, in the same district. Community in this village, like the village life as well Modopuro most of the maintenance of duck. Some are raising laying ducks, duck meat traders, maker of salted eggs, and so forth. Demand for duck meat from the Surabaya, Malang to the surrounding areas Mojokerto continue to increase. Advantage of the salted egg products are Mejoyo Village, salty egg was more sintered, Itiknya feels more savory meat.

Although most of his business has gone well, but many farmers in this village are still having difficulty to raise revenue because the majority of its business is still small scale.

Capital support seems to be expected, but the people in the village trying to find a solution to overcome the obstacles it faces. One way to do this is to form a group of peasant farmers from the 10 to 20 farmers to exchange experiences duck the way of good management. In addition, they also try to seek funding from the financing of its existing microfinance institutions in the district of Mojokerto in groups.

According to one farmer who met the author, Suparmi, said, that the main obstacle in developing a business lies in the lack of capital. Necessary capital used to purchase equipment that is more modern hatcheries, home appliances, building cages, and feeding and other maintenance costs.

Although to date the business activities of the farmers in this village have been made very simple, but passionate community continues burning. Activities undertaken in rural communities is at least able to boost the economy of society, from the relatively weak rural economy slowly but surely into the village of ‘living

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Entrepreneurs

Principal

Principal term in the IT career path may be a bit sparse sound. Terms such as “Principal Software Engineer” or “Principal Network Engineer” has been commonly used in the IT world, it’s just not a lot of people with this designation. Principal here means that the “main” / the top. In addition, not all IT professionals to achieve this level, most companies find it enough to hire a senior level with the expert in the technical aspects. As a result, IT professionals who have reached senior level will shift to management as project manager if you want to achieve higher career.

If we borrow a phrase from one of the famous manga, you could say this is the level of “S-Class” or “Super”. Those who reach this level are considered generally recognized as the most brilliant among the seniors. They are not only considered as “Expert” but also as “Leader” in the field.

The characteristics of this level are:

*    Having all the capabilities of senior level
*    As a point of asking in terms of technology in the field of profession (technology expert and leader) in the wider national and international
*    Often create articles / writings about his profession fields that benefit others
*    Can be trusted to build / develop a standard (set the standards) used in the profession, such as creating a particular design pattern or an effective software development methodology.

One example of this level are those who get the MVP Award (Most Valuable Professional) from a software giant that is not familiar to us, or who holds a CCIE certificate from a vendor largest network.

Salary:
Salary levels can not be ascertained because usually they are special people who besides an important asset in the project is also an important point or “prestige” of an IT company. Some of them could earn more than the project manager.

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Entrepreneurs

Creativity: The requirement in Entrepreneurship

Do not stick just to see glamorous change! You, one among so many people who could bring something new! Think of this as a habit. Since you live in a century of creativity. Creative is the key to winning the competition. There are many concepts of creativity. One of them, taking inspiration from the music, exactly, jazz music. In jazz music, there is the term jam session when musicians did not play a particular song, but the instrument without being tied steady chord songs, free-flowing course. Jamming, John Kao pour inspired his theory in a book that has been circulating in the Indonesian language, “Jamming: The Art and Discipline Business Creativity”.
If jamming can tickle the ears with beautiful music, business too, so maybe take a step outside the usual alternative policies. The result, as in jazz jamming, remains “rhythmic and pleasant”. That analogy theory of Kao in the business world.
Jamming in the business, is a creative endeavor. There is imagination, creativity totality, taking inspiration from the flickering glow everywhere. From there create creative ideas in business development. Who are “sparing partner” of an entrepreneur in the exploit creative ideas? He can be a fellow entrepreneur, even though there’s nothing wrong with other people who are very different from the world of work (not entrepreneurs).

Work “routine round”, “obedient grip”, the highest decision-making level, particularly as the attitude towards the reality of the business center, believed to be a dangerous attitude for business continuity. Routine, grip, grip it, a fetter to the progress. However, do not interpret it wrong. Management of creativity, not the “anti-rules”. Certain rules, must still exist, but its existence is not the creativity. There is an “extreme” in the case of this renewal. For example, computer hardware manufacturers worldwide, intell. Intell, periodically always destroy their old product after the manufacture of new product team creativity results. Similar measures, although “accidental” experienced by the company Unilever. As soon as new products emerge, old products Unilever “automatic” defeated its own new products.

If there’s intell and Unilever examples in this section, two of the big corporate world, true creativity is not a big corporate monopoly. In the small business sector also, creative ideas emerge from reflection and conversation about things that never occurred. It is precisely in small business, creativity should be further developed, as is usually small businesses, have had little human resources. These points so that small businesses are relatively more compact people, so the transfer of new creativity can quickly flatten. In a small business creativity shorter transfer path. An innovator in the short time he was able to directly transfer the new findings to all those who worked with him. Not impossible, for the transfer of new findings, it could well trigger the growth of creativity.