Saya hanya seorang yang berpikiran sederhana, mencoba memahami dunia penuh kerumitan, mensyukuri setiap langkah yang diberkati, mendoakan harapan dan berharap hidup saya membuat banyak orang merasa sungguh hidup..
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Friday, May 31, 2013
Saturday, May 25, 2013
85% pengguna Internet adalah Internet buyer
Sekarang ini Internet telah berusah menjadi media perdagangan yang luar biasa. 85% pengguna Internet adalah juga para pembeli di Internet. Apa saja yang mereka beli ? Berikut datanya.
Oleh karena itu sangat penting bagi kita untuk memiliki media jual beli di Internet.
Oleh karena itu sangat penting bagi kita untuk memiliki media jual beli di Internet.
Shopping online – new ways to get what you need
More than 85% of internet users worldwide are also internet shoppers. Global e-commerce revenue is expected to reach nearly $1 trillion in 2013. Have a look at the Infographic below to see what people are buying online. Books, movies, music, fashion and accessories are all top purchases. Online product reviews influenced 62% purchase decisions. 37% of people decided not to buy if a product had three or more negative reviews. So how are mobile devices such as tablet pcs and smart phones affecting shopping online habits? 56% of those surveyed use a mobile phone to compare prices in-store while 81% of smartphone purchases are spontaneous (only 19% are planned). As 67% of people used multiple devices to shop online, it shows the importance of the fast growing tablet pc market. Need a tablet, want a tablet, find a windows tablet at dell.com
Wednesday, May 22, 2013
SimpleHRM aplikasi manajemen SDM yang simpel
Sesuai dengan namanya, simpel dibandingkan orangehrm.
Each module is independent from each other, but work closely related on user interface.
SimpleHRM is an affordable, open source human resource management solution for SMEs. It provides an easy to use, intuitive interface for HR departments, with many features including employee management, leave management, benefits, reminders and more. Companies can benefit from the flexibility of SimpleHRM to track their employees without using pen, paper or (worse) a spreadsheet.
Using SimpleHRM, you can:
- Track information about your employees easily
- Simplify employee management and focus on workforce
- Report and analyze your company’s employee statistics
- Remove the hassle of HRM paperwork
- Hence save time and money by centralizing your employee data.
SimpleHRM is designed to help you to streamline your employee resources and improve inner workings of your organization, by providing your HR staff to deliver a fast and effective HRM solution. Some of the core features of SimpleHRM include:
- Administration
- Personal Information Management
- Leave Management
- Travel Management
- Tasks (Employee Daily Reporting)
- File and Document Management
- Employee Self Service
- Benefits Management
- Reports and Statistics
- Performance Module (upcoming)
Each module is independent from each other, but work closely related on user interface.
7 fitur bagus dari Openoffice / LibreOffice
Sekarang kami mulai enjoy menggunakan LibreOffice, khususnya untuk tim admin yang memang harus kami protek data datanya dengan baik, ubuntu dan LibreOffice menjadi pilihannya.
Linux and Open Source
Seven great features of OpenOffice and Libre Office that you probably ignore
By Marco Fioretti | May 21, 2013, 6:00 AM PDT
For many people Apache OpenOffice and Libre Office, which I’ll call collectively FOs (Free Offices suites) for short, are nothing but “free, as in free beer” substitutes of Microsoft Office for basic to intermediate needs. Many users in this category may run the FOs for years without ever discovering some of their features, that is, without realizing the full power and flexibility of these tools.
Sure, even most beginners know that both the FOs are multi-platform, regularly updated, and can export documents to PDF without additional plugins (always a good “selling” point, in my experience), but that’s pretty much it. I’m quite confident that only a part of these people already know all the features listed below, which may be lifesavers for their friends if not for themselves. It is also likely that some advanced users of the Free Office suites are so familiar with the same features that they may even forget to mention them whenever they advocate Free Software.
I hope this post will give as many people as possible even more reasons to try and/or promote the FOs. In the same spirit, stay tuned for more posts in the next weeks, in which I will explain in detail how to use some of the tools listed below. In the meantime, you are very welcome to add your favourite “least known feature” of AOO and LO in the comments, together with requests on how to perform other obscure tasks with these programs!
#1 Support for MANY file formats
Both Apache OpenOffice and Libre Office can handle lots of different formats. They cannot read and write all of them without losses, of course (nor can any other single application, for that matter). I know that very well myself, having said it for SVG graphics, in this very column and being still unable to open FrameMaker files on Linux. There are many other similar limits. Still, between “veteran” filters and optional or new ones, you can be reasonably sure to handle, at least partially, almost all files you may come across, including those from Visio, Corel Draw, and Microsoft Publisher. Two different extensions, both called Writer2Latex (here and here), even provide Writer export filters for LaTeX and BibTeX.
#2 The Math formulas editors and extensions
As you can see in Figure A, a user-friendly formula editor is included in both Apache OpenOffice and Libre Office. Yes, its flexibility and aesthetics results cannot match those of LaTex, but who cares when the TexMaths extension lets you insert editable LaTeX equations in your files?
Figure A
#3 Variables
Variables can save you a lot of effort, if you take the time to create your own in the right templates. Select Insert |Fields | Other to open the panel in Figure Band then follow the instructions here for AOO and here for LO.
Figure B
#4 Writer XForms mode
XForms is an open standard by the World Wide Web Consortium. It describes how to create in HTML, XHTML or other languages, user interfaces for entry and basic processing of many data.
In practice, an XForm is a file that can pre-fill itself with default data downloaded from a Web server and then let each of its users enter their data, in order to submit the result to a local or remote database. Both AOO and LO let you create XForms (just select File/New/XML Form Document and you’ll get the form controls of Figure C) that your partners can fill and file straight from their office suites. I’ll explain how to do this in detail in another post.
Figure C
#5 The Writer Sort Tool
When you work in a spreadsheet you can sort columns and rows according to several criteria. Did you know that you can do the same even in text documents with Writer (Tools | Sort) inside tables or even just plain paragraphs, just as I did in Figure D:
#6 Hybrid PDFs
Office documents are (must be) editable by definition. Many users, however, want to distribute PDF versions of their documents, to be sure they’ll look the same everywhere (which cannot be always true, but that’s another matter). This is fine if all the recipients must do is look at the files, but not if they also have to editthem. The “Embed OpenDocument file” option in the Export as PDF panel (see Figure E) is made to order to solve this problem. Check it, and you’ll create a PDF file from which Apache OpenOffice and LibreOffice can extract a copy of the original, editable file.
Figure E
#7 Automatic document analysis and processing
Let’s finish (for now) by going back to file formats: both Apache OpenOffice and Libre Office do the right thing here (as do KOffice and Calligra!), in the sense that they use the OpenDocument standard as their default file format. This is great, because that is a format that makes it very easy to modify or analyze how many documents you want with very simple scripts. To see what I mean, read any of these posts of mine:
- How to convert .doc and ODF files to clean and lean HTML
- Add watermarks to all your ODF files automatically
- How to search for text inside many OpenDocument files
- ODF Scripting tips on my personal website
OpenOffice or Libre Office? You choose
Some of the features described here may not work exactly in the same way in both suites. They may even not be available in the specific versions you currently run, or in the ones already packaged for your current Linux distribution. Such differences are beyond the scope of these posts. It is also not my intention to promote one or the other suite here: my only purpose is to help you evaluate all the possibilities that these programs offer, so that you can figure out which one suits your needs best. Now, did I miss some other important feature? Please let us know!
Previous Post: Best open source HRM and ERP solutions
SMS tetap jadi hal mudah untuk mengetahui berita atau hal penting (Alert)
SMS tetap jadi pilihan yang mudah untuk mengetahui berita dan hal penting. Banyak yang memilih solusi sms gateway sendQuick dan OZEKI NG yang kami jual dengan beragama implementasi.
Mobile Health Monitoring: SMS Keeps it Simple
Summary: In the midst of complicated new mobile medical technology and apps, SMS is still as useful as ever.
By Diarmuid Mallon for ÃœberMobile |
When you hear ‘mobile health monitoring,’ your mind may conjure upimages of shiny gadgets, smartphones, apps and implanted microchips that can work together to perform a cardiogram, say, or alert you that you’re about to have an asthma attack. They make the future of medicine look like part Star Trek sickbay, part Six Million Dollar Man and/or Bionic Woman. And there’s certainly plenty of momentum in that direction.
But what if you need to create a service that can reach the widest possible audience? Step forward the trusty workhorse of mobile services – SMS.
In South Africa, SMS was used to enable viewers of the TV showMakutano Junction to text in to get more information about HIV/AIDS.
UNICEF Malawi is using SMS to track child malnutrition. Health workers submit children’s height, weight, age and other basic data as text messages via a system called RapidSMS, which performs calculations on the data, and instantly alerts the workers of their patients’ health status. The new process is helping to identify and help more children with moderate malnutrition.
A university in Spain used SMS to help diabetic patients monitor their disease by sending blood sugar levels and body weight to a server. The server reciprocated once a month with a ‘calculated glycosylated haemoglobin’ result, which tells the patients how well they’ve managed their blood glucose levels.
Sometimes the simplest solution is the best solution.
Monday, May 20, 2013
Melakukan transaksi dengan mobile perlu sistem komprehensif
Tantangan transaksi dengan mobile semakin banyak. Yang penting adalah membuat sistem komprehensif nya. Ini yang kadang belum bisa direalisasikan.
Getting Commerce Right with Mobile
Summary: Mobile’s ability to integrate technologies is what gives it the advantage it needs to become a standard for commerce.
By Diarmuid Mallon for ÃœberMobile |
Mobile commerce has to be better than what we’re already using, or people won’t bother to use it. It can’t just offer a new way to pay. It has to offer a new way to pay that’s better than what you use today.
Lucky, then that mobile is knitting together a number of different kinds of technologies: voice, SMS, GPS, video, CRM, inventory, etc. The challenge is in designing comprehensive systems.
Ideally, mobile commerce should join together
- Payment method / mobile wallet
- Customer relationship management (CRM)
- Inventory / supply chain management (SCM)
Here’s an example. Mother’s Day was Sunday, March 10th here in the UK. I rang my mother in the morning, and her first words to me were ‘Not even a card Diarmuid!’ I told her the card was with the flowers I’d sent, but she hadn’t received either the day before, as scheduled.
To get myself out of the doghouse, I called Marks & Spencer. Their phone system welcome message included something like ‘and if you’re calling about Mother's Day flower delivery…’
When I got through, the representative immediately apologised and then gave me the exact time the flowers had been loaded into the delivery van that morning, and an estimate of when my mother would receive them. So I guess the bouquet must have had a barcode, and the driver a mobile device equipped with a scanner, connectivity and GPS. To top it off, the company gave me a full refund. Obviously, the company has connected its CRM (#2) with its inventory/SCM (#3). I didn’t pay with a mobile wallet, but still, two out of three ain’t bad. That’s what end-to-end thinking can do. Bravo. I was ready to hang up happy.
However, that’s when the rep told me that I’d been randomly selected for a satisfaction survey, but that given the circumstances it was understandable if I declined. On the contrary, I was happy to say that accidents happen and they’d handled it well. Unfortunately, the survey was a very wonky IVR one, and it took three attempts to take my answer.
What they could have done was seen they had my mobile number (and if I hadn’t already shared it, this would have given them an excuse to ask for it), and taken my feedback via SMS. As the single survey question was ‘How well did our agent meet your needs today on a scale of 1 to 5, with 1 being “did not meet” and 5 being “exceeded,”’ it would’ve been easier and quicker via SMS for them and me. The technology is available—the UK mobile operator Vodafone use SMS micro-surveys all the time, as does Orange.
But wait, there’s more. A week later, I received an email from M&S asking me to rate my recent purchase! Hmmm. Does the company really have no way to tie my purchase to The Great Mother’s Day Flower Delivery Debacle of 2013, and have the good sense to not harass me about it after the fact? Apparently not. Funny, I’m not wound up at all about the delivery delay, but the disjointed follow-up.
Despite the tardy delivery, at least M&S did a better job than another retailer. In the week before Mother’s Day I received an email promoting its gift service. Just one small problem: the first open delivery spot wasn’t until two weeks after that weekend!
There’s one thing worse than no promotion: promoting something that’s out of stock! And that’s where there is a real opportunity for retailers to create a better service with mobile—one that’s not just instant, but truly real-time and integrated.
Topic: UberMobile
Wednesday, May 15, 2013
Imagine: Proses Pembuatan Asuransi
Sumber: http://banuaw.wordpress.com/2013/04/04/proses-pembuatan-asuransi/
Pengurusan asuransi dapat melalui agen yang dikelola langsung oleh perusahaan asuransi, dapat pula melalui broker. Broker merupakan perusahaan di luar perusahaan asuransi yang menunjuk perusahaan asuransi sesuai kebutuhan calon nasabah. Sehingga pengelolaan keuangannya juga lebih leluasa karena tidak langsung dari perusahaan asuransi
Pembuatan asuransi memiliki beberapa tahapan. Yaitu sebagai berikut:
- Proses pembuatan asuransi dimulai dari pembuatan surat permintaan asuransi jiwa. Pertama adalah pencatatan data calon nasabah. Data yang dicatat secara umum seperti pada bagan di atas. Untuk status, yang akan dicatat adalah sesuai pembagian (lihat bagan insurable interest).
- Penanggung adalah orang yang menanggung semua pembayaran premi untuk pihak tertanggung.
- Tertanggung dapat menjadi pemegang polis. Sebagai contoh jika tertanggung meninggal, maka yang mendapatkan manfaatnya adalah pemegang polis atau beneficiary.
- Pemegang polis dapat membayarkan premi dan bisa saja sebagai beneficiary. Sebagai contoh jika tertanggung meninggal, maka manfaatnya akan didapatkan oleh pemegang polis atau beneficiary. Jika tertanggung dan pemegang polis meninggal, maka yang akan mendapatkan manfaatnya adalah beneficiary.
- Benificiary adalah orang yang mendapatkan manfaat diluar dari penanggung, tertanggung, dan pemegang polis. Benificiary dapat bertingkat, maksudnya jika penanggung, tertanggung, pemagang polis, dan beneficiary satu meninggal, maka yang akan mendapat adalah beneficiary turunannya. Perbedaan beneficiary diluar negeri adalah melalui lembaga yang menanggung seluruh manfaat dan akan menentukan manfaat akan didapatkan oleh siapa.
- Selanjutnya adalah proses underwriting. Proses ini merupakan proses analisis resiko. Analisis melihat berbagai faktor, secara umum yaitu informasi nasabah, jumlah klaim, tingkat kematian, tingkat bunga, tempat investasi dan perilaku.
- Pricing dan validasi merupakan proses selanjutnya. Proses ini mengesahkan program asuransi yang diikuti nasabah serta menghitung candangan atau solvency.
- Proses selanjutnya adalah financing dan reporting. Tahap penetapan cadangan yang berdasarkan Risk Based Capital (RBC) sebesar 120% yang didapat dari jumlah cadangan klaim+premi. Dengan minimal premi sebesar 40% agar perusahaan tidak ditutup. Untuk itu perusahaan asuransi harus melakukan investasi likuid atau short term
- Maintenance dan Service, proses ini merupakan proses pada saat pelayanan nasabah.
Bagian dari sebuah perusahaan asuransi:
- Marketing sebagai bagian yang menjual seluruh produk-produk yang ada di perusahaan asuransi. Orang yang menjualnya disebut agen, sedangkan model marketing asuransi adalah model branches, agency atau digabung. Pada asuransi general ada yang namanya broker yang tugasnya mewakili kepentingan nasabah, kalau agen mewakili kepentingan dari perusahan asuransi. Broker digaji oleh perusahaan, kalau agen gajinya berdasarkan komisi. Orang-orang yang menjadi penjual asuransi harus mempunyai nomor sertifikasi yang melekat pada perusahaan asuransi.
- Underwriting adalah bagian dimana mengurus semua berkas-berkas yang ada di perusahaan asuransi. Hasil dari klaim akan menjadi bahan untuk underwriting di tahun berikutnya.
- Actuary menentukan program-program asuransi yang ditawarkan kepada nasabah.
- Finance and report merupakan bagian yang menentukan segala jenis cadangan yang tersedia di perusahaan asuransi.
- Struktur database mempunya banyak field untuk menampung semua data yang ada di perusahan asuransi. Di perusahaan asuransi yang modern, ada indek nomor (nasabah, polis, beneficiary).
- Costumer service sebagai frontliner yang melayani klaim, complain, dan semua yang berkaitan dengan nasabah.
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