Gender Differences in Behavior Essay -- Child Observation Essays

In order to determine the gender differences in behavior in boys and girls, I observed seven activities for ten minutes, taking a total of five observations of the numbers of boys and girls each activity. This experiment took place on October 9th from 4’ o’clock to 4’ ten at County Elementary School. I performed this experiment in the school’s After School Program because having a smaller sample size is easier to keep count and observe. From the beginning of this experiment, there was a total of twenty-two boys and thirty girls, age ranging from six to eleven. Seven activities I recorded were basketball, four squares, jump rope, sliding, swinging, talking, and tetherball. According to Bjorklund, the process of incorporating gender roles and values is referred to as gender identification. This is important, since this allows children to label, behave, and perform the appropriate gender role. Factors that contribute to gender identification are gender constancy, knowing that a person’s gender does not change despite physical changes and gender stereotypes. Once children are able to achieve gender constancy, it would help them know that there are certain things boys do and certain things girls do. This accomplishment leads to gender schemas, an â€Å"interrelated networks of mental association representing information about the sexes (430-431).† According to Martin and Halverson’s model, developed gender schemas help children label objects and activities that are for their gender or for the other gender (431). For example, a boy knows that trucks are for them while Barbie dolls are for girls. In my observation, I have noticed that the children have already developed gender schemas because they were in activities that we... ...hemata that would help them learn how to label, behave, and perform the appropriate gender role. They used tools such as imitation and emulation to help them get toward their desired goal. I also learned that there is definitely an aggression and competition difference in what activities boys and girls plays. Activities that are considered less aggressive, such as jump roping, sliding, swinging, and socializing is considered a female activities because there is neither aggression nor competitions evoked from these activities. While activities such as basketball, four square, and tetherball are labeled as male activities because of the aggression and competition it evokes. Works Cited Bjorklund, David F. "Social Cognition." Children's Thinking: Cognitive Development and Individual Differences. Belmont, CA: Wadsworth Cengage Learning, 2012. 424- 38. Print.

The Use of Appetite Suppressants Essays -- Health Diet Weight Loss Ess

The Use of Appetite Suppressants In the past two decades, Americans and most of the Western world have become obsessed with losing weight. Countless diets, weight loss strategies and gimmicks have been and remain on the market and cost Americans billions of dollars every year. The media perpetuates this ideal of thinness and so people continue in desperate attempts to shrink their bodies. People have gone to extreme measures such as stomach stapling, liposuction and starvation diets to try and take off excess weight. Many Americans are willing to do whatever is necessary to look a certain way, no matter what the cost. Sometimes these costs outweigh the benefits of losing weight. Oftentimes, when people diet and lose weight, they end up going off the diet and gaining the weight back. This leads to a perpetual cycle of yo -yo dieting. Nevertheless, the quest for losing weight remains a priority in many people’s lives. One of the options that many people have taken in attempt to lose weight is the ingestion of various appetite suppressants. The logic behind this is that if one takes an appetite suppressant, they wont feel hungry. Without hunger, the person will ingest less food and by ingesting less food, the person will lose weight. The concept is actually quite simple and has been around for many years. Hunger is â€Å"the physiological need of an animal for food (Lasagna, p.132).† Appetite, on the other hand, is â€Å"the psychological motivation for food intake- which is independent of the individual’s nutritional state (Lasagna, p.132).† An appetite suppressant attempts to lessen a person’s psychological motivation for food, even though there might be a need for food intake for nutritional reasons. Phenylpropanolamine, ... ...rs. New York, N.Y. Morgan, J.P. (1986). Phenylpropanolamine: A critical Analysis of Reported Adverse Reactions and Overdosage. Jack. K. Burgess, Inc. Fort Lee, N.J. Fillmore, C. M. et al. (1999). Nutrition and Dietary Supplements, Phys Med Rehabil Clin N Am, 10, (3), 673-703. Silverstone, T. (1986). Clinical Use of Appetite Suppressants, Drug and Alcohol Dependence, 17, (2-3), 151-167. Wellman, P.J. (1990). A Review of the physiological bases of the anorexic action of phenylpropanolamine, Neuroscience and Biobehavioral Reviews, 14 (3), 339-355. Greenway, F.L. (1992). Clinical Studies with phenylpropanolamine: a metaanalysis, American Journal of Clinical Nutrition, 55, 203-205. Alger, S. et al. (1993). Effect of Phenylpropanolamine on energy expenditure and weight loss in overweight women, American Journal of Clinical Nutrition, 57, 120-126.

Management of Pt.Asuransi Jiwasraya

INTI College Indonesia| Organization and Management| PT. Asuransi Jiwasraya| | Jessica Khou, Afifa Jindan, Jocelyn Halim| 3/8/2013| Mr. Jonny Wiguna Jl. Ir. H. Juanda No. 34, Jakarta Pusat 10120, Indonesia 8 March 2013 Dear Mr. Jonny Wiguna, Presented to the commissary of this organization, this is a managerial report for the period of 2012-2013. As requested in a meeting conducted on February 2013, this is a report of the managerial status of this organization as observed during the present year.This report consists of matters regarding the management theory used to conduct the business, the environment surrounding the organization and inside the organization itself, defining the structure of the organization's employees as well as their determined tasks as well as the regulation of activities in the organization. Also discussed in this report are the management strategies currently applied by the organization and what is observed to be motivating for the employees in the organizati on.Following all the observed and described matter, this report also includes several suggestions that, as the writer of this report believe, will be beneficial in terms of the optimization of performance of human capital and allocation of resources. ______________________ (Claire Afifa Halim) 8 March 2013 EXECUTIVE SUMMARY The report provides an analysis of the management of the PT. Asuransi Jiwasraya. It addresses the issues related to the current management system and provides an information of how the company is in relation to its environment.The report also consists of recommendation regarding the improvement of the current management system in order for the company to reach its current goal. Analysis is completed by observing the activities and achievements of the company in the latest years of its business. To find out the general management form of the company, identification of the theory that most resembles the current management system is conducted. As a result of the obs ervations, it can be summarized that the company has an overall supporting environment for its business.The model of management used closely resembles Max Weber’s management theory and therefore the company’s structure and jobs are clearly defined and allows the company to be developing in its professionalism. PT. Asuransi Jiwasraya has also applied good motivational   methods that allow it to create good relationships between the employees of the company. However, as observed by the writer of this report, the growth of the company is not at its maximum potential.Several factors that is found to be holding the company back are the lack of promotional effort, loss of flexibility (initiative) and personal motivation of the employees due to the current management system used, inability to utilize technology effectively, limitation of growth space because of the limitation of target market and the fact that the company has not yet responded to one of the major insurance need of Indonesian. Recommendations made for the company thus include: 1. To create a syariah based insurance service for the Muslim majority of Indonesians 2.Focus more on each individual employee to develop the quality of workforce 3. Use technology in its effort to market the product 4. Increase the budget allocated for promotion and increase the frequency of promotion such as through the use of billboard, magazines and online advertisements 5. Become more globalized to reach their long-term organizational goal of being recognized globally TABLE OF CONTENT 0. 1 Introductions†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 1 0. Company Backgrounds†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 2 0. 3 Management Theory†¦Ã¢â‚¬ ¦ †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 3 0. 4 Company Environment†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 4 0. 5 Organizational Structures†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 0. 6 Motivation†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 0. 7 Strategic Management†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ . 8 Conclusion and Recommendation†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 0. 9 List of References†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 0. 1   INTRODUCTION 1. 1 Authorization This report is made in order to give further feedback for the company called PT. Asuransi JIwasraya. 1. 2 Limitations Because we don’t have a chance to visi t 1. 3 Scope of Report This report will cover several detail points, such as management theory that been use by PT.Asuransi Jiwasraya, the company’s environment, it’s also show the organization structure inside PT. Asuransi JIwasraya with their job description, and we also going to explain about the motivation inside the company, and the strategic management process that have been use by the company, we also included our recommendation to increase the effectiveness and efficiency of company management system. 0. 2   COMPANY’S   BACKGROUND Pt. Asuransi Jiwasraya is a life insurance company that has been established since the year 1859. The motto of the company is â€Å"secure your life†.PT. Asuransi Jiwasraya's vision is to â€Å"become a trusted and preferred company to provide a solution for insurance needs and financial planning. â€Å"(http://www. jiwasraya. co. id/static. php? cat_id=1&id=8&lang=id) It focuses on providing life insurance for customer and helping customer make financial plans in accordance to the developing environment where making financial decisions become more challenging. The company is owned by the governments and is a trustworthy company that has been a preferred insurance provider by several big companies.Although it is already big itself, the company faces competition and is trying to become one of the five top insurance company in Indonesia and even tackles competition from the global market. To do this the company focus es on improving the effectiveness and the efficiency of the work by improving the quality of workforce, technology and by trying to reach segments that have not yet been reached previously. New products are always developed in order to meet the ever-changing needs of customers. PT.Asuransi Jiwasraya develops its professionalism in the business and has currently won several awards including a Superbrand award for the category of Consumer's Favorite Brand. Other than that it has also won a World Finance Award for the second time in the year of 2011. In all its business efforts, the organization builds good relationship with both the employees and the society in general through social activities. The company's subdisiaries include: PT. Stannia Binekajasa and Koperasi Karyawan Jiwasraya. 0. 3   MANAGEMENT THEORYThe management theory that have been used by PT. Asuransi Jiwasraya, as observed, can be identified as   Max Weber's theory of management. The management theory of Max Weber is made in the early year of 1900, this management theory are based on the theory of authority structures and relations is based on an ideal type of organization Weber called a (bureaucracy). The bureaucracy that Weber have make should have a division of labor, authority hierarchy, formal selection, formal rules and regulations, impersonality, and career orientation. The goal of weber making his scientific management theory is to make the work activities can be done in the large group. PT. Asuransi jiwasraya is a quite large group. Thus, it uses Weber management theory because allows this company running their business more effectively and more efficiently. PT. Asuransi Jiwasraya encourage workers   to work according to the procedure that the company has made, as evidently shown in the clear roles of several department that are specified in its website. The company has made a structure of work for individual departments so as to increase efficacy and efficiency and reduce redundan t effort on issues.Each worker can focus on the task assigned specially to them, so that the workers can work well to satisfy the customers' needs and wants. PT. Asuransi Jiwasraya can be said to have a division of labor as tasks are spread out among the workers. PT. Asuransi Jiwasraya also have a formal selection in selecting people to work in their company, they selected the people based on their technical qualifications. This is because PT. Asuransi Jiwasraya want their workers to be professionals in their scope of work and have the integrity and competence in all the work especially in the field of insurance and financial planning.PT. Asuransi Jiwasraya also have   formal rules and regulation, they have the   standard operating procedure that is clear to all the unit of work, all the workers also have to provisions a minimum level of health of the company (RBC), and all the workers have to listen to the customers, identify, meet and even exceed the customers’ needs as well as anticipating the customers' needs in the future. The workers are also expected to adjust according to the customer’s expectations. PT.Asuransi Jiwasraya also have career orientations where managers are career professionals not owners of units that they manage, sot   in this company the managers make sure that the workers work well to satisfy the customers' needs and wants but the managers is not the owners of what they manage. In PT. Asuransi Jiwasraya the owners are the shareholders. So because of that PT Asuransi Jiwasraya are using the management theory’s of Max Weber because PT. Asuransi Jiwasraya has fulfilled the bureaucracy of Max Weber. The Max Weber's theory is favorable to the company because it allows the company to focus its effort on its clear formal goals.Government's company are also prone to be said as full of corruption, collusion and nepotism; Max Weber's theory of management as a model used by PT. Asuransi Jiwasraya can reduce the chance o f the issues as employees are appointed based on their performance and competence instead of their favorability among the workers. 0. 4   COMPANY’S ENVIRONMENT Environment are divided into two:   micro and macro. According to businessdictionary. com, micro environment is defined as â€Å"factors or elements in an organization's immediate area of operations that affect its performance and decision-making freedom† (http://www. usinessdictionary. com/definition/microenvironment. html) micro enviroment consist of   customers, suppliers, competitors, and pressure groups. 1. Customer. PT . Asuransi Jiwasraya is customer’s oriented there for customer’s are of   significantly   high  importance  to the company. Thus, all the products develop by Jiwasraya is base on specific segmentation of its customer’s the products that are available until now are tailored to meet the needs of these groups of customers: a. Averse investor (example product: JS Plan Dollar) b.Adult with children (example product: Dana Multiproteksi Plus c. People in general (example: Asuransi Kecelakaan Diri) d. Organizations(example porduct: Asuransi Kesehatan) e. Old people (example porduct: Jaminan Hari Tua f. Students (example porduct:JS Prestasi) g. Workers (example porduct: Dana Fleksibel) 2. Suppliers. Managers   must ensure that the daily requirement (supplies) that is needed by the company are sets in the lowest price, and the manager have to ensure that the suppliers delivers the needed inputs right on time.So the managers of PT. Asuransi Jiwasraya have to make sure that all the things that the company needs to keep the company running has been fulfilled by the suppliers, because suppliers not only have to cover up the equipment for the company, also provide the financial and labor inputs, so to keep the performance of PT. Asuransi Jiwasraya , the managers of PT. Asuransi jiwasraya   have to choose   the suppliers wisely, because supplie rs is one of the important things to keep the performance of the company. 3. Competitors.In all types of organizations, profit or non-profit have competitors, and managers cannot afford to ignore the competitors. PT. Asuransi Jiwasraya   also have many competitors, and they can’t change that, but they can avoid the competitors by giving better performance to the customers. Competitors can be a positive influence or a negative influence. A healthy competition encourages businesses to pursue the fulfillment of the needs of customers, thus increasing the quality of product and satisfy customers better.But if company is unable to keep up with the competition in the market by   utilizing all resources, then it may become a bad influence resulting in the fall of the organization as a whole. Example of PT. Asuransi Jiwasraya’s competitors include: PT. Asuransi Jiwa Manulife, PT. Prudential Life Assurance and PT. Asuransi Jiwa Sinarmas. 4. Pressure groups are groups of â⠂¬Å"Non-profit and usually voluntary organization whose members have a common cause for which they seek to influence political or corporate decision makers to achieve a declared objective.The managers must recognize the   special interest groups that attempt to influence the actions of organization. However, it does not seem that the company has any pressure group. The second environment is macro environment. According to businessdictionary. com Macro environment is define as â€Å"The major external and uncontrollable factors that influence an organization's decision making, and affect its performance and strategies† (www. businessdictionary. com/definition/macro-environment. html#ixzz2NSE44Kgp) macro environment consist of: 1. Economic conditions. http://www. worldbank. rg/en/country/indonesia/overview Indonesia continues to make a significant economic growth, in July 2012 the baseline outlooks for Indonesia is 6% and increase to 6,3% on the year of 2013, and because of t hat the country gross national income is rise from $2. 200 in the year of 2000 to $ 3. 200 in the year of 2009. So it also make a good impact for the financial management of PT. Asuransi Jiwasraya. 3. Political conditions http://asean. fta. govt. nz/indonesia-political-situation/ http://directaction. org. au/issue35/currents_undermining_indonesian_political_stability http://www. orbes. com/2009/07/17/indonesia-jakarta-economy-hotels-opinions-contributors-yudhoyono. html Indonesia has a quite stable political condition. Legal rules are established and internal conflicts have currently subsided. Indonesia has also improved in terms of its democracy as the dictatorship of Suharto was ended. Despite different political issues such as corruption and legal reformation, Indonesia was able to tackle difficulties in politics such as the bombing that happened last year. Due to this stability in political environment, companies in Indonesia including PT.Asuransi Jiwasraya enjoy predictable inf luence of law on their business. In other words, any loss derived from legal system fluctuation can be eliminated. The major political flaw of corruption in Indonesia however, does affect the business in a negative way, as it creates a negative perception of any government-related organization in the mind of its citizens. 4. Sociocultural conditions. Every customers have a changing attitudes and response. So managers must adapt their practices to changing expectation of the society, as this value, custom change so managers must also change. PT.Asuransi Jiwasraya is offering a program to make the customers feel secure in every aspect of their life, So the managers' job is to make a new innovation to make the customer more satisfy and feel more secure. So PT. Asuransi Jiwasraya can meet the changing expectations of the customers. In Indonesia, majority of the society is Muslim. This means that there is a need for the company to understand that services, especially a monetary service s uch as insurance has a differentiated regulations to the people of Indonesia, aside of the government regulation. The company should respond to this by giving an appropriately related service. . Technological conditions. The ever increasing complexity and power of technology also affects the organization. All companies in the current era have to be able to take advantage of technology development. This is because it can increase the value of work done. As a part of a society where technology is growing rapidly, PT. Asuransi Jiwasraya has adapted to the technology and utilizes some beneficial technology to help its processes. In the process of communication, for example, PT. Jiwasraya have always tried to apply the latest in communications technology complements the speed and accuracy of service.The technology is called the JL-Indo and V-SAT. Through Indo JL-policy printing process can be done at the branch where the policy issued, while the V-SAT is a communications technology that connects the entire office PT. Jiwasraya both Head Office, Regional Office or Branch Office into a single unit (on line). PT. Jiwasraya use this technology to support for having effective communication environment. Other than that, the company has also taken advantage of the limitless possibility of internet such as through the creation of website and the establishment of e-procurement system. . 0   Ã‚  COMPANY ORGANIZATIONAL STRUCTURES Managers and their job descriptions: Board of Comissioner: 1. Djonny Wiguna 2. M. Sapta Murti 3. Sumiyati 4. Sumyana Sukandar Comissioners are the government’s officials that are in charge of the company as a whole. Comissioners make company regulations and decides on policies regarding external factors of the company such as lands and environments. Comissioners also train and employs people for the managerial positions in the company. (http://www. mrsc. org/subjects/governance/responsibilities. aspx) Board of Directors: . President Director : Hendrisman Rahim The president director have a job to leading the implementation of the management company for the interests and objectives of the company, the president director also have to be the coordinator of all the other members of the Board of Directors in carrying out the duties and authority of the Board of Directors are set out in the Articles of Association, the president director have the responsibility to oversee the Secretariat Division and the Division of Internal Control Unit. 2. Director of Coverage: Hendrisman RahimThe director of coverage have a job to setting the culture of the company, director of coverage also have a job to developing strategy and direction for the company, director of coverage also have a job leading the executive/senior management of the company (including firing and hiring) . 3. Directors of Marketing: De Yong Adrian The marketing director is responsible for the entire operation of company’s marketing department, the director of ma rketing have the responsibility to make the company is known by the customer’s, the directors of marketing also supervises and coaches the company's marketing team. 4.Directors of Finance: Hary Prasetyo Finance Director has overall control and responsibility for all financial aspects of company strategy and is expected to analyse figures and implement recommendations based on these findings with the most profitable outcomes, the financial management often managing and leading a team through difficult periods including month end, year end and annual budgeting, a Finance Director would have excellent communication skills with all levels of staff, often having to work with various departments to help them plan and manage their own budgets. Division Heads: 1. Division Head of Secretariat: SumarsonoSecretariat is defined as the administrative department of governmental organization(http://www. merriam-webster. com/dictionary/secretariat). The administrative department is usually r esponsible for daily accounting, organizational agenda and of messages from and to the organization. A secretary as a part of the secretariat is also responsible to assist directors. 2. Division Head of Internal Control Unit: Erry Syafruddin This division’s work is to make sure that all the units in the company work in accordance with the predetermined objectives and evaluating work quality of people working in the organization.They also check documents that are related to observed issues filed by the directors as well as preparing appropriate letters of response 3. Division Head of Finance Accounting and Collection: Danang Suryono Finance division head’s task is to solve issues related to finance. The department of finance makes financial policies for the sake of the company and report any error to directors. Finance division head creates the budget plan of the company and forsee any financial chance or problem that the company may face. 4.Division Head of Investment: Syahmirwan This division makes policies and plans on what assets the company should invest on or sell in order to keep the company’s financial attributes strong. The division monitor allthe assets owned by the company and calculate investment risks for the company. 5. Division Head of Human Resources:   Udhi Prasetyanto Deals with the planning and organizing of human capital of the company. Resolves any problems between the workers of the company and file the profiles of individual employees.Is also responsible to consult the workers in relation to their work and any complaints about the company, thus making them in charge to file complaints to the different departments in the company. The division manages the placing of new employees and making sure that new employees are able to do their expected work. Training and internship are also the fields that   human resource department are responsible for. 6. Division Head of General and Fixtures:   Kompyang Wibisana The div ision head of general and fixture have a job to construct the annual work programe for PT .Asuransi Jiwasraya for the year, the head of general and fixtures also have responsibilities to implement administrative affairs public relations and cooperation with other parties, the head of general and fixtures also have to do the storage, distribution and maintenance of equipment items. 7. Actuarial Division Head: Iswardi Division that computes the risk and probability of death, marriage and birth and help insurance company determine their rate based on the statistical observation result.The division makes sure PT. Asuransi Jiwasraya obtain profit from the determined rate of service. 8. Head of Division of Underwriting Retail ; Corporate:   Umi Ratih Underwriting retail is the one who have responsibilities for providing effectiveness and efficient management of all underwriting department, this includes overseeing that the underwriting of all loan types offered by HomeStreet Bank, occur s in a timely manner and in accordance with company and investor guidelines. . Head of Division of Agency Retail ; Corporate: G. Agung Nugraha Susanta The head of agency retail have to be responsible to development as per retail standards and ensuring adherence to timelines, Division of agency retail is a people who is responsible for selling the product of PT. Asuransi Jiwasraya that only in the form of retail and also have to manage all the management of agency retail in PT. Asuransi Jiwasraya. 10.Division Head of Retail ; Corporate Selling:   Fitriansyah The head of retail and corporate selling have a job to watch and coordinate all the governments and staff division of retail and   corporate sales according to the span of control, head of retail also have to coordinate and be responsible for the creation of command updates in accordance with the development of market industry insurance matters relating to strategy (Pattern) Retail and corporate sales. 11.Head of Marketing Di vision:   Leonard Tambunan   Ã‚   The job of the marketing division is to manage product, price, distribution and promotional strategy for the company. This means that the division plans on what products to be made, where it will be marketed, and the price of the product and how to create better company image while meeting the needs of the costumers through the value of the product. 12. Division Head of Information Technology:   Ari Faizal Aliaini The division head of information have a job to oversee the development, implementation, and use of technology throughout the firm.The division head of information technology also have the responsibility to range the information systems and telecommunications activities, including determining user requirements, recommending practical solutions, and leading firm-wide efforts to improve the effective use of technology, the division head of technology also have responsibilities to provide expertise and support during system upgrade, inst allation, conversion, and file maintenance. 13.Division Head of Pension Fund Financial Institution: Lusiana The division manages the fund specified for the pension fund for the employees that retires from the company due to age, health or disability factors. It ensures that retired employees are given their rights so that they may gain benefit as they have been beneficial to the company during their year of services. In this way, the company continues to make employees feel that they are appreciated. In general, Division Heads are responsible of supervising management staffs properly.They are expected to be in charge of interpreting regularizations into policies that the division should follow in their activities. Division Heads are also in charge of making necessary changes and proposing plans regarding their divisions in a way that will help the division to develop. One of the jobs of a division head is to be a leader for the people who work in the division. Therefore, a division head should be able to aid the workers, oversee and evaluate their work and give proper feedback to the workers. Other than that they are responsible to create a good relationship between the division and customers in general. http://www. bestsamplejobdescription. com/director-job-description-2/division-director-job-descriptio/) Regional Managers: 1. James Tomasoa Jakarta I Regional Manager 2. Saripudin Bandung Regional Manager 3. I Nyoman Surata Semarang Regional Manager 4. Eddy Susanto Surabaya Regional Manager 5. Libertus Ompusunggu Makassar Regional Manager 6. Bachruddin Manado Regional Manager 7. Novi Rahmi Palembang Regional Manager 8. Sulik Harsono Malang Regional Manager 9. Jumino Balikpapan Regional Manager 10. Karmanto Pekanbaru Regional Manager 11. Dafras Jakarta II Regional Manager 12. Dwi Laksito Pontianak Regional Manager 3. Rotua Pasaribu Medan Regional Manager 14. Adi Susanto Denpasar Regional Manager 15. M. Idris Cirebon Regional Manager 16. M. Arifin Yogyakarta Reg ional Manager 17. Supardi Sudiro Jakarta III Regional Manager Regional managers are responsible for driving sales in the area of their responsibility through good leadership, customer-relationship and strategies. In businesses where the product is in the form of goods, they are responsible for merchandising of the business, but as PT. Asuransi Jiwasraya is a service company, regional managers are not expected to be responsible for merchandising.Regional managers must be able to communicate the company’s goals to each individual stores in its region. They also have to monitor that all activities are done in accordance with the regulations of the company and that all conduct meets the expectancy of the corporation. (http://www. paper-source. com/jobs/Regional-Manager-Job-Description. pdf) 6. 0   COMPANY MOTIVATION Every company must have a goal that needs to be achieved, to do that every company have to be capable of using all of resources that the company has including human resource. Human resources are very important on every step that the company has made.The success of the company   is depends on its performance. The performance of the workers inside the company depends on: personality and ability, task difficulty, resource availability, working conditions and chance or luck. But besides that, another important factor that contributes to performance is the motivation given by the company to its workers is given by the company. One of motivation that is given by PT. Asuransi Jiwasrayal is   by   providing the compensation monetary. Compensation monetary is a motivation that is given by the company by   giving the   employees a reward in the form of money.And   the result is, PT. Asuransi Jiwasraya has successfully gaining the performance of the workers. PT. Asuransi Jiwasraya also can motivate the employees by making many events that can allows relation of employees to grow. So by making many events between the employees it can gaining t he sense of belonging of the customers. PT. Asuransi Jiwasraya have a program called â€Å"management performance system†   the goal from making this performance management system is to measure the performance of the workers work, and   the result is that the employees on PT.Asuransi Jiwasraya not yet giving the best of their performance. The desire for the employee’s to achieve the goal of the company are still small, because of that reason PT. Asuransi Jiwasraya is motivating employees by giving a job enlargement to the employees. By giving the job enlargement it can make the employees to dedicate more effort into their jobs, So it can make the employees feel that they have to achieve more   than what the company has expected, so it make a good motivation for the employees, and also give a good impact for the company performance because the employees will act in the company's favor. . 0 Company’s strategic management process 1. Identifying the companyâ⠂¬â„¢s current mission, goals and strategies: Company’s mission: Provide certainty, security and convenience through the use of competitive and innovative solution to customers in need of insurance and financial planning. The company’s current goal is to be one of the top five biggest insurance company and to in long term becomes a globally known insurance company. 2. Identifying external factors: Opportunity and threat:The opportunity that arises for companies in insurance service providing business for the year of 2013 is the trend of increasing number of people purchasing insurance online. The threat faced by the companies is the fact that insurance company often mis-sell their product. This means that an insurance company might have sold their product to people who really does not need the product. Another threat faced by the company is people’s negative attitude towards insurance company, as claiming any compensation is assumed as a complicated process. 3.I dentifying internal factors: Company’s strength: 1. The company has been established for a long time, so it has a strong fundation 2. It is a well-structured company and jobs are defined clearly for everyone in the company allowing them to focus on their individual task, thus developing professionalism 3. Strong relationships between the company’s employees 4. Has won awards that may increase its credibility in the eyes of potential market including a â€Å"Best Life Insurance† award 5. Has established connection with other trusted companies 6. PT.Asuransi Jiwasraya has gained its customer’s loyalty as proven by its award in 2005: â€Å"Indonesian Customer Loyalty Award† Company’s weaknesses: 1. The company’s background theory, the Max Weber theory of management results in the loss of flexibility. 2. The company is very oriented towards satisfying a limited group of people which is Indonesian people that everything is established in a strong Indonesian culture. 3. The lack of promotional effort 4. The company has yet to utilize technology in its benefit to its maximum potential Formulating strategiesThese are the strategies used by PT. Asuransi Jiwasraya: The current strategy applied is new product development, improvement of the quality of human resources and investment on information technology. 1. New product development. The company continues to create new products that serve the needs of the customers better. For example, in the year of 2012, the company created 5 traditional products and 2 â€Å"unit-linked† products which are claimed to be more flexible as the customer can take fund out and invest more fund after 6 months of the first investment. http://www. jiwasraya. co. id/detailberita. php? id=486&lang=id) 2. PT. Asuransi Jiwasraya tries to penetrate market of different segment. The company continues to grow but as the target of increase is not reached, the company expands its area of srvice by targeting new market segment which is of the younger group of people. The insurance company produces new roduct that brings benefit especially to students. (http://keuangan. kontan. co. id/news/kinerja-jiwasraya-meleset-dari-target) 3. Improvement of quality of human resources . Utilization of technology in the organization for example the establishment of the e-procurement (online purchasing of insurance) by the company (http://systemloverz. wordpress. com/2012/12/14/penerapan-e-procurement-untuk-mewujudkan-good-corporate-governance-di-bumn/) 5. Increasing the number of agents in the organization 6. Establishing and maintaining beneficial relationship with other companies 7. Gain positive reputation through different charitable actions The company has a good strategic management process.The flaw to the strategy is that the company is very focused on its goal of reaching more premium and of creating better quality products that the company seem to neglect the fact that promotion is an important part in business. The company needs to increase its budget on advertising and its frequency of advertising. They need to establish ways for target market to find out about them rather than letting the target market find them by chance. This is also true as some people makes their choices based on the fact that the company

“How to Say Nothing in Five Hundred Words” by Paul McHenry Roberts Essay

Paul McHenry Roberts’ 1956 article, â€Å"How to Say Nothing in Five Hundred Words,† deals with the common traps faced by many young writers while writing essays. His advice includes tips on making a dull subject exciting, engaging the reader with unexpected topics and arguments, and developing a fully thought out essay that will be sure to earn a good grade in the classroom. Roberts says to come up with a list of arguments off hand and write them down but do not use any of them, as they are most likely overused and predictable. Instead he suggests to take the path most people would avoid, since it will most likely be easier to make your writing interesting. In addition, do not overuse generalities by never truly getting into a subject. Include facts and stories to get readers interested, instead of a dull sentence with your point of view. Roberts says to get rid of the extra words that fill papers and really give no extra value to your writing. He calls this â€Å"padding† in your paper. It is just a way to reach your word goal without saying much at all. Come up with more real content and take out the extra. Give your ideas and then prove why you are correct. Whatever you need to say, say it without apologizing. Roberts advises writers to avoid overused, common expressions such as, â€Å"over my dead body† or â€Å"under cover of darkness†. He says even the best writers cannot avoid them all together, but they should only be used when nothing else seems to fit, as they add nothing special to the paper. The last of Professor Roberts’ recommendations is the importance of using â€Å"colorful, colored and colorless words.† Using colorful words paints the reader a picture and describes a subject further, although sometimes there may be no need to do so. Colored words are words that everyone can associate with, or would have mutual feelings towards. These include certain people, places or things anyone can relate to. Writers must be careful when using words that lack a strong emotional association with their audience, as failure to do so will send the wrong message. Similarly, colorless words are words that are common and have a very general meaning. They fail to add much when used to describe a subject and are recommended to be avoided when possible.

Risk & Uncertainty - Microeconomics 3rd Year Essay

Risk & Uncertainty - Microeconomics 3rd Year - Essay Example The expected utility function has some very convenient properties of analysing choice under uncertainty. Since to insure or not to insure is a choice we can apply it to an insurance problem. Indifference curves is used to measure utility or level of satisfaction as will be seen later. An individual’s certainty equivalent (CE) of a lottery is the amount of money that the individual is willing to pay to avoid the risk of the lottery i.e. to get the expected value (EV) instead of the lottery. For a risk averse individual CE 0 for all lottery. In the real world insurance is not actuarially fair. In the previous example it was assumed that the insurance did not charge anything to cover operating expenses or to allow for profit. In the cases that follow a loading factor is added to cover operating expenses and thus makes insurance actuarially unfair. This implies that ∠ > EV of the insurance benefit. The options available to the individual is a lower line with slope = p1/p2. At the initial point E is larger and therefore the line is lower. An indifference curve through the original point yields the diagram above (right). In diagram above (right) E (fixed loading) is larger this implies x = 0 with fixed loading and the optimal choice is no insurance in this case as the indifference curve lies above the actuarial line which is suggestive that it does provide the level of utility required by the individual. It is optimal for the consumer to choose F where w – (1 + m)px = w – L + x – px –mpx which implies x = 1 (representative of full insurance). A fair line F implies that an indifference curve is tangent to the line at F. see diagram (left)

Innovative Organizations in the UAE Essay Example | Topics and Well Written Essays - 250 words

Innovative Organizations in the UAE - Essay Example It also merged with GasCities to improve production and increase its presence in the market across Europe and America. The firm is also a top innovative organization because it engages in the acquisition, discovery and expansion of fuel concessions (Al, 238). The other top innovative firm is the Emirates Airline that operates cargo and passenger services. The company is engaged in sports sponsorship of top football clubs across Europe, such as Real Madrid, PSG and Arsenal among others (Wilson 32). This helps it with increasing its market base beyond the UAE borders with the aim of beating competition from Etihad Airways. The company also comes up with considerable offers that favor international passengers with its continuous commercial flights. Emirates Airline is a recognized brand that launches latest flights from the Boeing Company to enhance luxury, class and comfort (Wilson 56). It is significant to launch and diversify the products and services to create a distinction from the competitors’ products. As a result, Emirates Airlines and Crescent Petroleum are among the innovative organizations in the

Thomson One - Business School Edition - Walt Disney Prospectus Essay - 1

Thomson One - Business School Edition - Walt Disney Prospectus - Essay Example This is a type of debt whereby the investors are paid an interest rate for their money. This debt is different from others in that its interest rate resets after every four months. A company that offers this kind of debt has the right to sell bonds whose benchmark is different from those that are linked to the United States of America. Companies embrace this type of debt since they are able to hedge against risks related to interest rates and at the same time remain in corporates. Its main aim was to attract long term investors into buying the stocks. The company targeted both the existing as well as new investors. The fact that the debentures were offered as floating debt was one major factor that increased their marketability. The interest rates were to be offered in quarterly basis and this served to attract many people to buy the bonds. In addition, the bonds’ interests could be reviewed after every four months, a factor that could also increase its marketability. They wer e to be sold on the basis of shareholding. Those who already have shares at the company would fill an enrolment form to get the bonds at a minimum lower amount. Those who do not hold shares were also given a chance to buy the bonds but their minimum amount was set at a higher than the existing shareholders. 2) List the dollar amount of debt Disney proposed to sell to the public. Indicate whether this amount has increased or decreased from 2008 to 2010. Discuss some potential causes of this increase or decrease. At the time when Disney proposed to sell its debentures to the public, the amount to be sold was stated to be $1 billion (High Beam Business, 2013). The bonds were to be issued in the denominations of $2, 000. For the excess of $2, 000, there was to be issues of integral multiples of $1, 000. It is important to note that the proceeds that the company was to receive equalled $989, 760, 000 with the rest being commission to agents which was stated at the rate of 0.35% (High Bea m Business, 2013). Between the years 2008 and 2010, the amount in dollars increased. There are a number of reasons that could have led to this increase. One of them is the fact that the company needed more money as the expansion plan changed as the business environment changed. In addition, the company’s profitability may have reduced due to the global economic crisis that hit most countries. This reduced the amount of profit that the company could have re-invested and hence it had to borrow more. 3) Determine the percentage of the sales price Disney nets after discounts and commissions. Indicate whether this amount as decreased or increased from 2008 to 2010. Discuss some potential causes of this increase or decrease For every sale of shares or any kind of securities including bonds and debentures, the company usually does not sell them directly. The securities are normally sold through a broker or an agent who has to be paid a commission. In addition, the company may opt to sell its securities at a discount or at a premium. Discounts are expenses to be charged on revenue while premium is recorded as an income. In the case of Walt Disney, the bonds were not sold at a discount. However, there was a commission fee that was pain to the agents who were selling the bonds on behalf of the company. As it has been mentioned earlier, the discounts/ commissions