tag:blogger.com,1999:blog-82927362024-03-14T04:40:34.959+07:00indrayudha.netThe wisdom and musing of a thirty-something cracker jackMr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.comBlogger118125tag:blogger.com,1999:blog-8292736.post-67451522754400030412010-07-24T18:12:00.000+07:002010-07-24T18:12:13.664+07:00Seri Perencanaan Keuangan Keluarga: Mengantisipasi Risiko by Safir Senduk<a href="http://www.goodreads.com/book/show/5505857-seri-perencanaan-keuangan-keluarga" style="float: left; padding-right: 20px;"><img alt="Seri Perencanaan Keuangan Keluarga: Mengantisipasi Risiko" border="0" src="http://photo.goodreads.com/books/1225974102m/5505857.jpg" /></a><a href="http://www.goodreads.com/book/show/5505857-seri-perencanaan-keuangan-keluarga">Seri Perencanaan Keuangan Keluarga: Mengantisipasi Risiko</a> by <a href="http://www.goodreads.com/author/show/634876.Safir_Senduk">Safir Senduk</a><br />
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My rating: <a href="http://www.goodreads.com/review/show/113176964">4 of 5 stars</a><br />
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Safir Senduk probably may not be Indonesia's first financial planner, but he certainly is the first financial planner who popularize the subject of financial planning and make it accessible as a general household topic.<br />
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His <i>Seri Perencanaan Keuangan Keluarga</i> (Family Financial Planning Series) covers wide-ranging personal finance topics from investment to child education fund and retirement. My review this time is on his topic of insurance, which he dubbed <i>Mengantisipasi Risiko</i> (Anticipating Risk).<br />
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In this book, Senduk introduces readers to the basic purpose of insurance, that is to cover risks which could render an individual's finance in disarray. He counters the popular myths of insurance in Indonesia -- such as its association with gambling -- and points out the most common mistakes people make in purchasing insurance products, like taking too much coverage or too little.<br />
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I like Senduk's Financial Planning Series because of its topic-specific material, conciseness, and sufficient case studies. While calculation examples made in his book can be too aggressive or too conservative, readers are expected to understand the concepts and apply them to their own respective financial cases.<br />
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This book is published in Bahasa Indonesia. My particular edition has the author's signature in it even though I bought it from <a href="http://www.gramedia.com/" rel="nofollow" target="_blank">Gramedia</a>'s book shelf.<br />
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<a href="http://www.goodreads.com/review/list/1322327-yoga">View all my reviews >></a>Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com1tag:blogger.com,1999:blog-8292736.post-28076993055833899912010-07-23T22:46:00.015+07:002010-07-26T11:32:37.039+07:00Hari Yang Indah[Di pertengahan minggu ini, gue lagi beres-beres lemari buku di kamar. Pas lagi sibuk ngasih stempel diri (kentara narsis & posesif), gue nemuin buku <b>Kumpulan Cerpen Kelas 1-A SMU Islam Al-Azhar 1 (1996/1997)</b>. Wahaha.. kocak nih, ada cerpen yang gue bikin 13 tahun yang lalu pas gue masih duduk di bangku SMU, masih kelas 1 pula. Enjoy!]<br />
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<div style="font-family: Verdana,sans-serif; text-align: center;"><span style="font-size: x-small;"><b>Hari Yang Indah</b></span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Bel sudah berdentang tujuh kali, Pak Sido tampak santai memukulkan benda besi bulat lonjong yang kekuning-kuningan itu ke lonceng di depan kantin sekolah. Dia menganggap lonceng itu sudah seperti barang kesayangannya sendiri. Tiap pagi dia tak lupa membunyikan lonceng, begitulah ia menyebut benda bulat berongga dari kuningan yang tergantung di depan pintu kantin itu.</span></div><div style="font-family: Verdana,sans-serif;"><br />
</div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Namun bukan itu yang membuat Pak Said tersenyum-senyum, beliau adalah Guru Pendidikan Moral Pancasila, begitulah dulu ia dikenal. Sekarang ia dikenal sebagai Guru Pendidikan Pancasila dan Kewarganegaraan. Ia sudah terkenal dengan sebutan itu sejak dua tahun yang lalu, saat pemerintah sedang gencar-gencarnya melakukan, atau bisa disebut juga menggalakkan, wajib belajar sembilan tahun.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Lima belas menit berlalu dan Pak Said belum beranjak juga dari tempat duduknya di dekat pintu gerbang sekolah. Bangku itu memang sepi sekarang, tapi siang nanti tentu yang duduk di bangku itu bakal berjubel. Maklumlah, bangku itu memang disediakan bagi mereka yang menjemput anak-anak maupun "Tuan Muda" mereka masing-masing.</span></div><div style="font-family: Verdana,sans-serif;"><br />
</div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Pak Said baru beranjak setelah ada suara ramah menegur dari belakang, "Pak, Pak Said, kok masih di sini saja, Pak? Setengah jam lagi Bapak nanti kan mengajar di kelas 2 C. Apa tidak ada baiknya kalau Bapak masuk ke ruang guru dan menyiapkan segala sesuatunya. Biar nanti nggak terburu-buru, ya kan Pak?" Ternyata Ibu Kepala Sekolah yang menegur. Pak Said menjawab dengan sedikit tergagap, "Ba..., baik Bu, saya akan segera masuk." Mendengar jawaban Pak Said, Bu Inah tersenyum seraya meninggalkan Pak Said, tetapi sebelum ia membalikkan badannya ia berkata dengan ramah pula, "Kalau begitu, saya duluan ya Pak?" Pak Said tersenyum dan membalas, "Baik, silakan Bu."</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Setelah Bu Inah terlihat membelok ke ujung lorong, Pak Said buru-buru menengok ke kelas 1 B lewat jendela belakang kelas itu. Tampak olehnya Bu Sari sedang mengajar di kelas itu, rupanya sedang menerangkan kepada anak-anak, bagaimana cara membuat cerpen yang baik. Pak Said melihat ke sekeliling kelas seraya bergumam sendiri, "Endang masuk, Uwi masuk, Yeyen masuk, Nino masuk juga. Hmm... pasti si Alie tidak masuk sekarang."</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Melihat tidak adanya batang hidung Alie, Pak Said bergegas meninggalkan kelas 1 B dan menuju ke ruang guru. Begitulah kebiasaan Pak Said, hampir setiap hari beliau melihat keadaan kelasnya. Sudah tiga tahun kelas itu dipimpinnya, maka tidak heran jika kelas itu menjadi satu kesatuan dengan dirinya dan menjadi tanggung jawabnya pula.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Bel berdentang lima kali, tanda pergantian pelajaran. Tapi Bu Sari tidak beranjak dari kelas 1 B karena memang ia mengajar selama dua jam pelajaran. Dan sudah jadi kebiasaan Bu Sari untuk mengabsen murid-murid pada jam pelajaran kedua. "Akim, Eppe, Lembi, ...," masing-masing menunjuk tangan seraya menjawab, "Hadir, Bu!"</span></div><div style="font-family: Verdana,sans-serif;"><br />
</div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Saat Bu Sari memanggil Alie, dari arah pojok kiri terangkat jari dengan malu-malu. Pada saat itulah meledak tawa kelas 1 B karena model rambut baru Alie yang kocak. Mungkin karena itulah Pak Said tidak mengenali Alie sehingga mengira Alie tidak masuk sekolah.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Teman-temannya menggoda, "Wah, jangan-jangan Popon juga ikut-ikutan model rambut baru. Ha.. ha.. ha.." Memang hubungan mereka berdua sudah di luar kepala anak-anak SMP Negeri 82. Tapi sebenarnya di antara mereka tidak ada hubungan khusus seperti pacaran atau berkeluarga. Mereka hanyalah sahabat dekat sejak kecil, namun memang sejak tiga bulan yang lalu isu itu sudah merebak di seantero sekolah. Tapi bagi mereka berdua, isu itu sebenarnya malah semakin memperjelas keyakinan mereka berdua akan perasaan di dalam hatinya masing-masing.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Sewaktu bel berdentang tujuh kali, jam di dinding menunjukkan pukul 09.15, maka berhamburanlah dari berbagai kelas batalyon-batalyon yang bersiap menyerbu kantin sekolah. Kantin itu demikian besar sehingga sekalipun diserbu berkali-kali juga tidak akan pernah roboh. Meskipun demikian, setiap harinya serbuan terhadap kantin itu tidak pernah berhenti.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Dari arah kelas 1 B keluar seorang anak berambut botak, yang dipanggil Alie oleh teman-temannya, ke arah kelas 1 A di seberang lorong. Di pintu kelas 1 A sudah menunggu anak perempuan dan melemparkan senyumnya kepada Alie.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Alie menyapa, "Halo Popon, sudah menunggu lama ya? Sorry deh! Tugas cerpen dari Bu Sari banyak banget jadinya gue telat keluar, sorry ya?"</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">"Nggak apa-apa kok, tugas dari Bu Ida juga banyak, tadi gue ada tes lisan sejarah sampe gagap-gagap. Pokoknya lucu deh!" balas Popon sambil tertawa kecil mengingat pengalamannya sewaktu di kelas tadi. "Kalau begitu, kita langsung aja ya?" tanya Alie. Popon menjawab dengan senangnya, "Oke, yuk!"</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Dan dari kejauhan terlihat mereka berdua berjalan menuju halaman belakang sekolah yang sepi. Sementara hiruk-pikuk di kantin sekolah tetap terdengar sampai ke pintu gerbang.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Oleh: <b>Yoga Prakasa</b></span></div><br />
[Kentara yah ga cocok nulis cerita fiksi... eheuheuheu...<br />
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Udah narasinya banyak deskriptifnya, tokoh banyak yang ngambil dari kejadian nyata, alurnya juga biasa dan ngga ada konklusi. Binun euy...<br />
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Pas nyalin aja juga pake ketawa cekikian. Coba dianalisa, karakter gue ada ga di cerita itu?]Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-6495323823191614822010-04-07T20:06:00.000+07:002010-04-07T20:06:04.621+07:00PagesEarly this year, Blogger has launched <a href="http://bloggerindraft.blogspot.com/2010/01/pages-come-to-blogger-in-draft.html">Pages</a> functionality into its blogging customization. With a <a href="http://indrayudha.blogspot.com/2010/03/new-template-watermark.html">revamped</a> indrayudha blogspot, I've also added Pages into my sidebar navigation.<br />
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I intent to use Pages as complementary space to further classify my postings into specific topics. Since my blog spans into multiple categories which can take me to write a topic into multiple postings across periods in no particular order, it should help to put them into a specific Page. The Page in question then acts as an anchor, a static index pointing out to the topic's postings which already been scattered in the blog.<br />
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Categories and Labels do help in classifying blog postings, but there will be instances where the topic is specific enough to warrant its own Page. As my first Page, I have posted <a href="http://indrayudha.blogspot.com/p/my-investment-portfolio-allocation.html">My Investment Portfolio Allocation</a> where I put my postings on the securities I use to build my retirement portfolio under my own framework of 5 themes of asset allocation, which I had <a href="http://indrayudha.blogspot.com/2009/01/5-themes-of-asset-allocation.html">thought of</a> a year ago.Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-32824235079957943132010-03-29T19:35:00.041+07:002010-03-30T20:55:12.547+07:00New Template: WatermarkThe first time I wrote <a href="http://indrayudha.blogspot.com/2004/09/welcome-message_12.html">a post</a> in 2004, I was using Blogger's <a href="http://www.blogcrowds.com/resources/blogger-templates/31-snapshot-tequila">Snapshot Tequila</a> template, with green-colored theme. Three years later, I <a href="http://indrayudha.blogspot.com/2007/08/overhauled.html">overhauled</a> my blog. Employing Blogger's <a href="http://www.blogcrowds.com/resources/blogger-templates/13-565">No. 565</a> template at the time. Today, three years after, I make-over my blog yet again.<br />
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I have asked <a href="http://indrayudha.blogspot.com/2007/08/overhauled.html">the question</a> since 2007, on when Blogger would update its template portfolios as they became stale very quickly. Lo and behold, they gave <a href="http://bloggerindraft.blogspot.com/2010/03/blogger-template-designer.html">the answer</a> couple weeks ago. And such an opportune time, as I had been contemplating on <a href="http://indrayudha.net/2010/03/single-day-single-post/">the redundancy</a> of keeping two blogs. Well, Blogger has bought itself a new lease on life. I'm keeping my homepage for sure, now powered by Wordpress CMS. But, I'm also keeping my Blogger still.<br />
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I use a new template, <a href="http://blog.noaesthetic.com/">Josh Peterson</a>'s Watermark, on a theme color traditional to all incarnations of this blog, green. Starting today, until perhaps, 2013?Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-69803997534969598002010-03-16T19:15:00.000+07:002010-03-16T19:15:44.417+07:00(Almost) 90 Days Looking for Love?A former colleague from work, who happens to be a close friend, invited me for lunch couple days ago. I knew it wasn't going to be a catch-up session, and I was right. She was confused, about her love life, a very recent fling.<br />
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She was just recovering from a failed relationship, the one where the other person left for a marriage with somebody else. Not that the guy was committed in the first place, but that was not the point. Another man showed up just in the right time, offering comfort, or so what everybody thought. I know the guy, not too close, but he was also a former colleague from work. He was not much of a difference, less commitment and more confusion. A fight ensued several days before, and the relationship was in an awkward position. Neither one of them want to make the first reconciliation move.<br />
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I told her what was on my mind given the situation. I talked left and right, but she summarized it best on her own. A simple and objective, but unfortunately a bit cold truth. It was almost 90 days, but the two of them had not figured out what they want from the relationship. I have been in a "going-nowhere" relationship before, and I realized that it should not take too long to make up your mind. If neither one of you are sure, then was it worth fighting for?<br />
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Love is not always smooth, lasting love requires sacrifices and some ego-busting. Love does not recognize ego, but that does not mean you don't have self-worth. Love got tested most often during tumultuous time, when sacrifices are required. When one party gives up too easily, then does the test tell you something? If the love is worth fighting for, then both of you will fight to defend it. Lower your egos for each other, but remain respectful of each other's self-worth, and of your own.<br />
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And lastly, your loving partner will chase for your affection. Motives may be in question, but there will be times when motives got tested. When you love your partner, you will fight for her love, and when you know what you want from your relationship, then both of you will fight for your love to each other.<br />
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The talk wasn't that succinct, but she helped me out sharpening it. Good luck to you, my friend. May that lasting love come after you very soon! All that you find along the way are part of the journey.Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com1tag:blogger.com,1999:blog-8292736.post-43207694380021041572010-02-21T22:15:00.006+07:002010-02-21T22:20:50.398+07:00A Year Later, TwitterOne year and 2,605 tweets later..<br />
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I didn't realize it has been one year since I jumped at the microblogging bandwagon. A <a href="http://twitter.com/jak_twop_1000/statuses/9423334414">tweet</a> was directed to me earlier this afternoon by <a href="http://twitter.com/jak_twop_1000">@jak_twop_1000</a>, which I thought at first to be a machine, but turned out to be conversational. My foray at the Twitter world turned out to be fun (aside from the occasional "<a href="http://encyclopedia2.thefreedictionary.com/spam">floods</a>"), and very useful. I have been using Twitter mostly as news <a href="http://en.wikipedia.org/wiki/Aggregator">aggregator</a> just like Google Reader or similar RSS aggregators, that's why I didn't tweet that much (you think 2,605 is a lot? well, wait until you see my 10,000+ tweets of my friends, yeah those in just a year).<br />
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The way the aggregator thing works is that I follow several Twitter accounts belonging to news station and field experts. Therefore, all I need to do in mid-afternoon at work or night at home is just look at their tweets to get the latest updates and links. I can then follow the link to a more comprehensive writing. For this purpose, I use a software application instead of directly read them from Twitter. This is because Twitter has limited showings and it takes a bit long to show more tweets. Plus, the app I used allows me to flag the tweets I like but rather read it some other time. The software I used is <a href="http://www.realmacsoftware.com/socialite/">Socialite</a> by Realmac, which was <a href="http://thecosmicmachine.com/">EventBox</a> before they got bought by Realmac. Honestly, I kinda like EventBox better because it had less bugs and caused less stress.<br />
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Second, I also use Twitter as bookmark, like <a href="http://delicious.com/indrayudha">del.icio.us</a>. The way it works is that I put a favorite star on those tweets I like to bookmark or tweets those articles I found on the web myself. This is why my tweets are dominated by finance and investment related news and websites.<br />
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What's for the next one year? Well, more or less the same I think, unless I got the sudden urge to post more of my original writings. Until next year...Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-31062711826892896762009-11-18T21:26:00.007+07:002010-03-19T21:56:50.114+07:00Vote Earth!A global election is taking place, between Earth and Global Warming. Your vote will contribute to a global mandate for action on climate change, to be presented to world leaders at the <a href="http://unfccc.int/meetings/cop_15/items/5257.php">UN Climate Change Conference in Copenhagen</a>, set on 16 December 2009. What's your vote?<br />
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"Because global warming is not about what country you're from, it's about what planet you're from."<br />
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<object width="480" height="295"><param name="movie" value="http://www.youtube-nocookie.com/v/ct4jXPIH_00&hl=en_US&fs=1&"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube-nocookie.com/v/ct4jXPIH_00&hl=en_US&fs=1&" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="480" height="295"></embed></object>Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-81139125293834330842009-06-07T22:42:00.037+07:002010-03-19T21:09:29.821+07:00Walk the WorldToday, on 7 June 2009, hundreds of thousands of people across the globe in 24 times zone walks together to raise funds and awareness for United Nations World Food Programme's work to end child hunger. The event is named 'Walk the World', one of the biggest global events against hunger. The WFP walk in Indonesia is also sponsored by the national philanthropy organization <a href="http://www.dompetdhuafa.or.id/">Dompet Dhuafa</a>. <br />
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WFP's school feeding programmes provide meals to over 20 million children each year, giving them the food and the motivation they need to go to school and build a better future for themselves.<br />
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Alternative to 'Walk the World' is 'Walk the Web', where each dollar donated on 'Walk the Web' counts as a mile walked, with WFP's target to achieve 25,000 miles walking distance around the world. I am unable to join the walk itself today, so I've made a small donation, with a glimmer of hope, that it'll make a difference in the life of a hungry child. <br />
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Looking forward to join again next year. See if you can find my photo in the <a href="http://walktheweb.wfp.org/wall?guid=3429">Wall Against Hunger</a>, if not, look <a href="http://walktheweb.wfp.org/node/3429">closely</a>.Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-36871941267461161392009-03-29T10:09:00.064+07:002010-03-21T01:48:42.105+07:00Earth Hour 2009Yesterday night, my friend and I observed the 2009 Earth Hour, from 20:30 till 21:30, Jakarta's time. Along with us, 83 countries the world over were participating, turning off lights for an hour to raise awareness of global warming.<br />
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In Jakarta, the local government committed to turn off the lights in 5 of the city's icons: the City Hall, the the National Monument, the fountain of Arjuna Wiwaha, the Youth Statue at Senayan, and the Welcoming Monument at Hotel Indonesia roundabout. I suppose you can guess where I was from the video?<br />
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And this is the scenery when all the lights were turned on again:<br />
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I know there are some of you out there questioning the purpose of such event, and if it could really curb climate change. Well, directly? It's not nearly enough.<br />
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The event was held to raise awareness for the public at large of efforts that can be done to stop global warming, and to raise their curiosity of climate change, its dangers, and measures to be taken to save the planet.<br />
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For the act was so simple, yet done <i>en masse</i> it would put a dent in the amount of carbon emitted in one day. Imagine the possibility of more complex, concerted, and conscious efforts could have done?Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-79060921446142437202009-03-06T10:36:00.004+07:002010-04-07T21:00:43.121+07:00The Big FreezeI came across a <a href="http://www.ft.com/cms/bfba2c48-5588-11dc-b971-0000779fd2ac.html?_i_referralObject=813989397&fromSearch=n">video</a> on Financial Times <a href="http://www.ft.com/">website</a>. The video is a report by investment editor, John Authers, on the financial crisis that has hurt the world's economies, developed and developing alike. A financial crisis that was rooted from the US subprime mortgage sector.<br />
<br />
As Mr. Authers said, it may started from US subprime mortgage, but the implication is far and wide. Financial companies are collapsing, bringing with them others in different industries. As purchasing power hit by streams of layoffs, profits across the board are tumbling down. In an interconnected economy, the effects are felt globally and rapidly. <br />
<br />
As Americans spend more than they earned, fueled by ever-increasing debt, the momentum has carried them deep in debt. So deep, that it would take years to unlever it. Historically, housing price has always been increasing, but in drying demand caused by mortgage defaults, price no longer holds. Since the price is declining, would that increase further defaults as people holding mortgage higher than the actual price of their homes?<br />
<br />
James Melcher of <a href="http://www.balestracapital.com/">Balestra Capital</a>, called the subprime mortgage meltdown a year ahead, profiting tremendously from crisis. Mr. Melcher believes that the worst may have yet to come. People are desperate to believe the market has bottomed, that it can only go up from now on. Opportunities to profit?Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-20958573134703236532009-02-28T21:01:00.000+07:002010-02-21T21:25:15.808+07:00Twitter BadgeI found out this neat Twitter <a href="http://en.wikipedia.org/wiki/Web_widget">widget</a> which allow me to link my tweets (yes, that's a <a href="http://en.wikipedia.org/wiki/Tweet">new word</a> thanks to Twitter, meaning my posts on Twitter) to my blog here in Blogspot. First, I tried to put it on the sidebar, just as it recommended. But, it is likely to be missed if it was on the side, and it can lengthen the page for individual blog post, making wasted layout.<br />
<br />
So, I decided to put it on the top. Yes, it will show on individual blog post as well. However, it won't mess out with the layout, plus individual blog post reader will be aware of the tweets as well. It didn't take long for the whole process. And the colors can be adjusted to Blogger's easily.<br />
<br />
I also linked my tweets to my <a href="http://www.facebook.com/yoga.prakasa">Facebook</a>. Since I don't want to flood my Facebook status with my tweets, I put the badge on Facebook's Boxes tab. Because I think those that want to be flooded by my tweets will follow me, instead of being "pushed" by Facebook's status. I put it on the Boxes tab so just people will know of its existence.Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-36715142385967413972009-02-21T20:45:00.031+07:002010-02-21T21:00:01.554+07:00Microblogger of Choice, TwitterSo, after several of my friends jumping into the microblogging bandwagon, I followed suit. Since most of them are on <a href="http://www.twitter.com/">Twitter</a>, therefore it is the logical choice for me to choose the same. Remember? <a href="http://en.wikipedia.org/wiki/Network_effect">network effect</a>?<br />
<br />
It was <a href="http://indrayudha.blogspot.com/2008/10/microblogging.html">four months ago</a> since I contemplating about the move. I haven't got any idea yet what to write so it'll probably gonna be some daily activities for the first few posts or so, until I figured out what and how can I best use it for my needs.<br />
<br />
In case you want to follow me, my Twitter address is <a href="http://twitter.com/indrayudha">http://twitter.com/indrayudha</a>. See you there.Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-72940862549519817782009-02-14T11:32:00.029+07:002009-02-19T19:06:21.705+07:0025 Random Things (About Me)So I got tagged in my <a href="http://www.facebook.com/people/Yoga-Prakasa/6847472">Facebook</a> with this 25 random things list. The rule goes: once you've been tagged, you are supposed to write a note with 25 random things, facts, habits, or goals about you; at the end, choose 25 people to be tagged; you have to tag the person who tagged you; if you have been tagged, it's because I want to know more about you.<br />
<br />
Here's the instruction to do the tagging in Facebook: go to "notes" under tabs on your profile page, paste these instructions in the body of the note, type your 25 random things, tag 25 people (in the right hand corner of the app, though I don't think I can make it to 25) then click publish. So, here they are, the 25 random things in no particular order, except one (hint: posting date).<br />
<ol><li>Moderation is a virtue.<br />
</li>
<li>"<a href="http://en.wikipedia.org/wiki/Trekkie">Trekker</a>" should be my middle name.</li>
<li>Live, and let live.</li>
<li>I thought I would never work 60+ hours week, boy was I wrong.</li>
<li>I used to be my class' photojournalist in high school.</li>
<li>Finding life's meaning has been a lifelong goal.</li>
<li>I was a church choir boy in my elementary school.</li>
<li>Look it up, culinary connoisseur.</li>
<li>My mom is an impersonation of unconditional love, though if only she knew...</li>
<li>I like unconventional storytelling like those in Memento, Lillies, 12 Monkeys, and La Mala Educacion.</li>
<li>I am well-versed in <a href="http://marvel.wikia.com/wiki/Earth-616">Earth 616</a> up to Operation Zero Tolerance.</li>
<li><a href="http://www.fitnessfirst.co.id/">Fitness First</a> sums it best, "Motivation is what gets you started, habit is what keeps you going".</li>
<li>I am an <a href="http://www.intp.org/">INTP</a>.</li>
<li>I thought I would not be in love again for a long time, boy was I wrong.</li>
<li>I have been a gadget freak since pre-school.</li>
<li>Staying bald is a way to keep hair degeneration from being visible.</li>
<li>I actually did my final management trainee presentation based on <a href="http://www.cityofheroes.com/">City of Heroes</a>.</li>
<li>Religion does not play a big part in my life, only a central one.</li>
<li>I used to be a shopaholic, until I read Peter Lynch's <a href="http://www.amazon.com/gp/product/0471180033?ie=UTF8&tag=indrayudhanet-20&linkCode=as2&camp=1789&creative=9325&creativeASIN=0471180033">Learn to Earn</a>.</li>
<li>Wearing mask comes naturally after awhile.</li>
<li>I don't think I'm worthy for the responsibilities of being a father.</li>
<li>My laughter is infectious, ask my friends.</li>
<li>I'm a Merlin to my King Richard and his knights of the round table.</li>
<li>Finance is not my immediate talent, but I love managing money.</li>
<li>I had the most fun in high school, but college was a life-changing experience.<br />
</li>
</ol>Hmm... I guess I can continue for the next 25 random things, but... I'd rather let you have yours. Happy listing! and do let me know.Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com2tag:blogger.com,1999:blog-8292736.post-19614806262410056292009-02-07T12:50:00.073+07:002009-02-19T01:05:18.122+07:00A Butterfly Award<a href="http://4.bp.blogspot.com/_1-goulhxvmw/SZuhnmj8dkI/AAAAAAAAAGQ/I_2_rjrv1qw/s1600-h/Butterfly_Award.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="http://4.bp.blogspot.com/_1-goulhxvmw/SZuhnmj8dkI/AAAAAAAAAGQ/I_2_rjrv1qw/s200/Butterfly_Award.JPG" style="cursor: move;" /></a>Hmm.. I just received an award a week ago from none other than <a href="http://ibnuakmal.blogspot.com/">Ibnu Akmal</a> a.k.a. <a href="http://www.radioa967fm.com/captainpilot.html,op,index,id,3">Captain Steve</a>. Well, thanks for the award, though I wonder, is my blog really the coolest blog you ever know? Hee.. hee..<br />
<br />
Well, let's see, this Butterfly Award is a <a href="http://en.wikipedia.org/wiki/Internet_meme">meme</a>. Therefore, I need to pass it on to several other bloggers (the rule says I can send it up to ten others, but I think I'll choose less). Oh yeah, about the rule:<br />
<ol><li>Put the award logo on your blog.</li>
<li>Add a link to the person who gave you the award.</li>
<li>List your award recipients (up to ten).<br />
</li>
<li>Add links to the recipients.</li>
<li>Leave a message on their blogs.<br />
</li>
</ol>So, without further ado, I present this award to:<br />
<ol><li><a href="http://ibnuakmal.blogspot.com/2009/01/award-untuk-akmal.html">Ibnu's Blog</a> (yes, the giver, see the rule above).</li>
<li><a href="http://brabusspace.blog.friendster.com/">Space for Brabus</a> (hi Fel, hope you enjoy the award...).</li>
<li><a href="http://mandey.multiply.com/journal">Sanetya</a> (Man, counting days now?).<br />
</li>
<li><a href="http://ririe-art.blogspot.com/">Tempat Kreativitas Koe</a> (Rie, where have you been?).</li>
<li><a href="http://judd.scravius.com/">Same Shit Different Day</a> (Judd, what's up bro, how things goin?).</li>
<li><a href="http://fritaamrita.blogspot.com/">Heart Speaks</a> (hi Frit, I finally found you).</li>
<li><a href="http://roromendut.wordpress.com/">Si Dungu Bertutur</a> (Ndah, I know you won't like this but what the heck, have a joyous birthday bash!).<br />
</li>
</ol>Congratulations, guys and gals! Keep on the good writings!Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-83807222436732576092009-01-26T10:38:00.151+07:002009-02-19T01:02:39.396+07:005 Themes of Asset AllocationIn continuation with my retirement portfolio building, I've been thinking of dividing the portfolio into five themes of <a href="http://en.wikipedia.org/wiki/Asset_allocation">asset allocation</a>. I could have gotten away with only two of them (core equity and core debt), but where's the fun? The five themes are as follow: <br />
<ol><li><a href="http://en.wikipedia.org/wiki/Core_&_Satellite">Core</a> Equity Holding - Geographic</li>
<ul><li>This theme will act as the core holding for equity in my portfolio. As mentioned in my previous post the other day, the maximum allocation for equity is 62%. As I get older, that allocation will decrease to reflect declining tolerance toward risky assets.</li>
<li> It's based on geographical diversity to achieve the widest market coverage in fewer instruments.</li>
<li> Due to its sizable holding, this theme will pretty much steer the direction and movement of the whole portfolio. Its allocation will be the first to be reduced for any addition beyond core equity and core debt.<br />
</li>
</ul>
<li> Yield Producers and Cash Equivalent (a.k.a. Core Fixed Income/Debt Holding)<br />
</li>
<ul><li>This is the core holding for cash and debt instruments in my portfolio. In conjunction with the core equity holding, the allocation for these instruments should be 28% (remember, <a href="http://indrayudha.blogspot.com/2009/01/90-rule.html">rule 90</a>). Consequently, that allocation will increase as I get older to reflect increasing preference toward safer assets. </li>
<li>This theme will act as the <a href="http://en.wikipedia.org/wiki/Ballast">ballast</a> for the whole portfolio. As such, it should give stability to the volatile movements found in other themes.</li>
<li>As the "safest" holding, I'd rather leave its allocation alone after what had happened to my portfolio in 2008. I would consider its reduction only after taken into account the reduction I've made in the core equity allocation first.<br />
</li>
</ul>
<li><a href="http://www.investopedia.com/articles/financial-theory/08/core-satellite-investing.asp">Satellite</a> Equity Holding - Sectoral</li>
<ul><li>The satellite equity holding is intended to enhance the expected return of the core equity holding. Its risk profile is higher due to its more concentrated holding and higher return expectancy.</li>
<li>It is based on sectoral diversity to give the theme more flexibility for fine-tuning and re-balancing, while still maintaining its "spicy" sector bets.<br />
</li>
<li>Obviously, allocation enlargement in this theme will reduce the 62% I've allocated in the core equity theme. <br />
</li>
</ul>
<li>Alternative Assets</li>
<ul><li><a href="http://en.wikipedia.org/wiki/Alternative_asset">Alternative asset</a> will act as the main diversifier for the portfolio as a whole. This is because alternative asset is expected to have low correlation with the other themes in this portfolio.</li>
<li>As the wild card, <a href="http://www.investopedia.com/terms/a/alternativeassets.asp">alternative assets</a> are expected to work in conjunction with the other themes both as a return enhancer and a volatility stabilizer. By itself, alternative assets can be highly unpredictable.</li>
<li>By far, this is the most difficult theme to assemble due to the limited instruments available for retail investors and my limited experience in this type of investment. It should be most interesting area to explore, albeit gradually.<br />
</li>
</ul>
<li>Green Investments</li>
<ul><li>Green investments, in this case, are meant for socially responsible investment (<a href="http://www.socialinvest.org/">SRI</a>) instruments not falling into one of the other themes. As a rule, instruments chosen to represent the other themes, especially core equity and core debt, should be of SRI alternatives including <i>shariah</i>-compliant instruments. Once they're exhausted, further SRI consideration should be placed here.<br />
</li>
<li>Depending on the weight of its instruments, this theme can be very volatile, even more than the satellite equity holding due to its extremely concentrated sectors.<br />
</li>
<li>Allocation for the green investment include the <a href="http://indrayudha.blogspot.com/2009/01/90-rule.html">10%</a> in philanthropy account. Thus, a 100% allocation for all the five themes can be made.<br />
</li>
</ul></ol>There you go, five themes for the retirement porfolio. Although it may be spread over different accounts, the retirement porfolio should adhere to these five themes, which can be a laborious effort. I didn't know of any easier way at this point, but I guess I have to make do with Excel for the time being.Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-34522783462550249002009-01-16T23:49:00.083+07:002009-02-16T23:05:58.306+07:00Sistem Jaminan Sosial, Peluang dan Tantangan[After visiting Farid and Erisa's <a href="http://indosukuk.wordpress.com/">blog</a> on their published writings of <i>Shariah</i> bond, I got inspired to post my own published writings here. After all, it is also an opportunity to post my original writing as I had intended, without the editor's cut. There is also the added benefit of hyperlinks through this medium. The article was published on <a href="http://entertainment.kompas.com/read/xml/2008/12/22/00524076/sistem.j">Kompas</a>, 22 December 2008. It's about the opportunities and challenges presented by a new regulation over social security in Indonesia, especially one affecting the pharmaceutical industry. Sorry, it's in Bahasa since it was published on Kompas.]<br />
<br />
<div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Setelah menyaksikan terpilihnya Barack Obama sebagai Presiden Amerika Serikat yang ke-44 pada 4 November 2008, kita disadarkan akan peristiwa serupa yang akan kita lalui pada 9 April 2009 mendatang, yaitu Pemilu. Pada Pemilu 2009, untuk kedua kalinya kita akan memilih kepala negara secara langsung. Namun, sudah kita ketahui bersama bahwa pertarungan kebijakan pada saat kampanye tidaklah mendominasi proses pemilihan umum di Indonesia. Sekalipun ada banyak pokok persoalan (<i>issues</i>) yang layak untuk diperdebatkan dan ditawarkan solusinya oleh capres dan caleg yang bersaing memperebutkan suara rakyat. Pelayanan kesehatan, khususnya pengadaan asuransi kesehatan nasional, dapat diangkat menjadi issue penting dalam kampanye mengingat masih terbatasnya akses bagi sebagian besar masyarakat umum di Indonesia.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Tidak kurang dari <a href="http://sjsn.menkokesra.go.id/">Kementrian Koordinator Bidang Kesejahteraan Rakyat</a> menyebutkan setidaknya 100 juta penduduk belum mendapatkan jaminan kesehatan melalui suatu skema jaringan pengaman kesehatan. Apabila mengasumsikan 45 juta pegawai negeri sipil dan TNI/Polri yang dilindungi <a href="http://www.ptaskes.com/">Askes</a>, <a href="http://taspen.com/">Taspen</a>, dan <a href="http://www.asabri.co.id/">Asabri</a> ditambah 8 juta pekerja yang dilindungi <a href="http://www.jamsostek.co.id/">Jamsostek</a> serta 36 juta masyarakat miskin yang dijamin pemerintah melalui Askes, maka tingkat penetrasi jaminan kesehatan hanya sekitar 40% dari total populasi yang diperkirakan mencapai 227 juta di tahun 2008. Sisanya sebesar 60% harus menanggung sendiri biaya kesehatan secara langsung (<i>out-of-pocket</i>).</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><b><span style="font-size: x-small;">Model Dasar Kebijakan Pelayanan Kesehatan (<i>Health Care</i>)</span></b></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Menurut <a href="http://en.wikipedia.org/wiki/T.R._Reid">T.R. Reid</a>, koresponden senior The Washington Post dan kritikus kebijakan <i>health care</i>, ada <a href="http://www.pbs.org/wgbh/pages/frontline/sickaroundtheworld/countries/models.html">empat model dasar</a> dalam kebijakan pelayanan kesehatan. Pertama, model Beveridge, dinamai dari ekonom Inggris <a href="http://en.wikipedia.org/wiki/William_Beveridge">William Beveridge</a>, penemu Sistem Kesehatan Nasional (<i>National Health Service – <a href="http://www.nhs.uk/">NHS</a></i>). Dalam sistem ini, setiap warga negara berhak menggunakan layanan kesehatan dan tidak akan pernah menerima tagihan karena pembiayaannya didanai oleh pajak. Negara, sebagai pembayar tunggal (<i>sole payer</i>), menentukan pelayanan kesehatan yang dapat diberikan dokter dan harga yang dapat mereka tagihkan. Fasilitas kesehatan dan tenaga medis dimiliki oleh negara. Pihak swasta dapat menagih pelayanan yang mereka berikan langsung kepada pemerintah. Inggris, Spanyol, dan Selandia Baru adalah contoh negara yang menggunakan sistem ini.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Kedua, model Bismarck, dinamai dari Kanselir Jerman pertama, <a href="http://en.wikipedia.org/wiki/Otto_von_Bismarck">Otto von Bismarck</a>. Sistem ini menggunakan asuransi kesehatan yang didanai oleh penyedia kerja dan karyawan melalui pemotongan gaji. Asuransi ini wajib melindungi seluruh warga negara dan tidak diperbolehkan mengambil keuntungan. Fasilitas kesehatan dan tenaga medis boleh dimiliki oleh swasta dan jumlah penyedia (<i>provider</i>) asuransi pun tidak dibatasi. Sekalipun model ini tidak menggunakan sistem pembayar tunggal, regulasi yang ketat dapat memberikan kewenangan yang besar bagi Negara layaknya dalam model Beveridge. Kompetisi terjadi baik di antara lembaga asuransi nirlaba maupun penyedia layanan kesehatan karena didorong oleh motivasi manajemen untuk mendapatkan kompensasi yang meningkat seiring dengan meluasnya cakupan asuransi dan layanan kesehatan yang diberikan. Model Bismarck di antaranya digunakan di Jerman, Perancis, Belanda, dan Jepang.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Ketiga, model Asuransi Kesehatan Nasional (<a href="http://en.wikipedia.org/wiki/National_health_insurance"><i>National Health Insurance</i></a>) yang merupakan gabungan dari model Beveridge dan Bismarck. Sistem ini menggunakan pihak swasta sebagai penyedia layanan kesehatan, dengan pembayaran klaim yang didanai dari program asuransi nasional. Program asuransi ini dikelola oleh pemerintah dan setiap warga negara wajib membayar premi. Dengan tidak adanya kebutuhan pemasaran dan perolehan keuntungan, program asuransi universal seperti ini cenderung lebih murah dalam biaya dan lebih mudah dalam administrasinya. Asuransi nasional sebagai pembayar tunggal mempunyai kekuatan pasar yang besar untuk menegosiasikan harga yang lebih rendah kepada pihak swasta selaku penyedia layanan kesehatan. Sistem ini dapat ditemui di Kanada, Taiwan, dan Korea Selatan.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Keempat, model biaya sendiri (<i>out-of-pocket</i>). Sebagian besar penduduk dunia tidak mendapatkan akses layanan kesehatan. Hal ini dikarenakan sebagian besar Negara di dunia terlalu miskin dan tidak terkoordinasi untuk menyediakan layanan medis secara masal. Sebagai contoh, ratusan juta penduduk di pedalaman Afrika, India, Cina, dan Amerika Latin tidak pernah berobat ke dokter, melainkan merujuk kepada pengobatan alternatif. Dalam model terakhir ini, pasien baru akan mendapatkan layanan kesehatan apabila dapat membayar langsung sendiri, dan bagi mereka yang tidak mampu maka terpaksa harus menahan sakit dan bahkan meregang nyawa.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><b><span style="font-size: x-small;">Sistem Jaminan Sosial Nasional</span></b></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Berdasarkan Undang-Undang Nomor 40 tahun 2004 tentang SJSN, sistem jaminan kesehatan di Indonesia mengarah antara model Bismarck atau model Asuransi Kesehatan Nasional. Dewan Jaminan Sosial Nasional (DJSN), yang terbentuk pada bulan Oktober 2008 lalu akan menjadi pengemban amanat SJSN dan akan menunjuk atau membentuk Badan Penyelenggara Jaminan Sosial (BPJS). Sekalipun RUU BPJS masih dalam pembahasan, PT Askes telah disebut sebagai salah satu BPJS dalam <a href="http://www.taspen.com/files/humas/SJSN%20no%2040%20th%202004.pdf">UU No. 40/2004</a>.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">DJSN menargetkan bahwa pada tahun 2012 nanti seluruh penduduk Indonesia akan mendapat perlindungan asuransi kesehatan. Menurut Data Statistik Indonesia yang dikeluarkan oleh Badan Pusat Statistik (<a href="http://www.bps.go.id/">BPS</a>), jumlah penduduk Indonesia sampai tahun 2005 adalah 219 juta jiwa. Apabila diproyeksikan dengan asumsi laju pertambahan penduduk per tahun sebesar 1.3% sesuai data BPS periode 2000-2005, maka sampai tahun 2012 akan terjadi pertambahan penduduk sebesar hampir 21 juta jiwa sehingga jumlah penduduk yang harus dilindungi<i></i> menjadi 240 juta juta jiwa.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">DJSN akan memulai perluasan cakupan (<i>coverage</i>) Jamkesnas pada tahun 2009 dengan mengalokasikan anggaran sebesar Rp 5,9 triliun yang akan mencakup 76,4 juta penduduk. Dana ini adalah sebesar 0,11% dari perkiraan Pendapatan Domestik Bruto (PDB) tahun 2009 sebesar Rp 5.306 triliun. Sebagai perbandingan, data <a href="http://www.who.int/healthinfo/statistics/en/">World Health Statistics</a> yang diterbitkan WHO menunjukkan pengeluaran pemerintah Indonesia untuk kesehatan pada tahun 2005 sebesar 0,98% dari PDB. Malaysia mengalokasikan 1,88% dari PDB, Filipina 1,17%, dan Thailand 2,24%. Ini menunjukkan bahwa kita masih sangat jauh bahkan dari standar Negara-negara tetangga.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">DJSN menargetkan cakupan Jamkesnas yang menyeluruh bagi 240 juta penduduk Indonesia pada tahun 2012 dan akan mempersiapkan anggaran sebesar Rp 20 triliun. Apabila disetarakan, maka dana tersebut setara dengan iuran premi per tahun sebesar Rp 83.500 per orang, yang menunjukkan kenaikan rata-rata 2,6% per tahun sejak 2009. Kenaikan premi ini tidak sebanding dengan inflasi rata-rata 5,8% pada periode yang sama, berdasarkan perkiraan <a href="http://www.danareksa-research.com/">Danareksa Research Institute</a>. Terlebih lagi secara historis biaya kesehatan mengalami laju kenaikan harga yang lebih tinggi dibandingkan dengan inflasi, seperti yang dialami oleh Amerika Serikat di mana biaya kesehatan mengalami pertumbuhan dua hingga tiga kali inflasi tahunan. Sehingga perlu dicermati terjadinya kemungkinan layanan kesehatan yang diberikan akan mengalami penurunan dari segi kuantitas dan/atau kualitas.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><b><span style="font-size: x-small;">Dampak Terhadap Sektor Farmasi</span></b></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Data World Health Statistics menunjukkan total pengeluaran di Indonesia pada tahun 2005 untuk kesehatan adalah 2,1% PDB atau setara dengan Rp 58,3 triliun. Pengeluaran sebesar ini dialokasikan antara lain kepada jasa kesehatan (dokter dan perawat) serta pembelian alat kesehatan dan obat-obatan (farmasi). Apabila pasar farmasi di tahun yang sama bernilai Rp 22,9 triliun sesuai data <a href="http://www.imshealth.com/">IMS Health</a>, maka dapat diasumsikan bahwa rata-rata pengeluaran obat adalah sekitar 40% dari total biaya kesehatan. Dengan asumsi bahwa 40% dari kucuran dana asuransi kesehatan nasional (Rp 5,9 triliun) mengalir ke sektor farmasi, maka diperkirakan pada tahun 2009 akan terjadi penambahan nilai Rp 2.4 triliun pada sektor ini. Namun jumlah ini hanyalah 8% dari nilai industri farmasi nasional di tahun 2007 sebesar Rp 29,6 triliun. Ini menunjukkan bahwa kontribusi tambahan dengan adanya SJSN masih sangat terbatas terhadap pertumbuhan pendapatan pada sektor farmasi. Terlebih lagi dengan pertumbuhan dana premi yang hanya 2,6% per tahun yang mana masih di bawah inflasi tahunan sebesar 5,8%, maka akan semakin sulit untuk mengharapkan kontribusi yang signifikan dari SJSN.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Namun, meski industri farmasi secara umum akan mengalami perluasan pasar akibat naiknya permintaan, tidak semua perusahaan farmasi akan dapat merasakan keuntungan tersebut. Menilik dari potensi ketidakcukupan biaya premi untuk menutup pengeluaran kesehatan, maka Pemerintah selaku regulator dapat mensyaratkan penggunaan obat-obatan generik secara eksklusif. Sehingga yang paling banyak diuntungkan adalah BUMN farmasi di mana obat generik dapat mencapai 70% dari porsi pendapatan mereka.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Meski dampak langsung dari program SJSN tidak signifikan terhadap sektor farmasi, akan tetapi ini merupakan langkah awal yang baik menuju pembentukan sistem jaring pengaman sosial masyarakat. Dengan menyetarakan anggaran Negara supaya sejajar dengan Negara-negara tetangga, maka dampak pada sektor pelayanan kesehatan secara keseluruhan akan lebih dirasakan positif. Sudah waktunya masyarakat Indonesia mendapatkan akses ke pelayanan kesehatan yang layak dan terjangkau. Kiranya hal ini perlu menjadi perhatian para pemangku kepentingan dan pembuat kebijakan untuk menentukan arah kebijakan dalam pelayanan kesehatan menjelang Pemilu 2009.</span></div><br />
[So very briefly, the early steps toward providing social security for the people of Indonesia, especially in the health care provision, will open up new opportunities for pharmaceutical industry as enlarged business volume can be expected as a result of increased government expenditure. However, such volume expansion will be limited due to relatively smaller fund allocated for the initiative compared to the neighboring countries in ASEAN. Furthermore, potentially only state-owned pharmas who would benefit from the initative as the government would be able to exert its "single payer" power over generic drugs. Further risk concerning the limited fund may result in declining service quality and/or quantity. Such an important issue should be under public scrutiny coming this election year. Voters may influence the future of their health care benefits, that is if they can start being critical with their candidates' policies.]Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-36341972321337824272009-01-10T23:14:00.004+07:002009-02-15T23:42:06.220+07:00The Aspen Institute Guide to Socially Responsible MBA Programs 2008-2009<a href="http://www.goodreads.com/book/show/4781459.The_Aspen_Institute_Guide_to_Socially_Responsible_MBA_Programs?utm_medium=api&utm_source=blog_review" style="float: left; padding-right: 20px;"><img alt="The Aspen Institute Guide to Socially Responsible MBA Programs" border="0" src="http://ecx.images-amazon.com/images/I/51XGZm53ZuL._SL160_.jpg" /></a> <a href="http://www.goodreads.com/book/show/4781459.The_Aspen_Institute_Guide_to_Socially_Responsible_MBA_Programs?utm_medium=api&utm_source=blog_review">The Aspen Institute Guide to Socially Responsible MBA Programs</a> by <a href="http://www.goodreads.com/author/show/1990678.The_Aspen_Institute">The Aspen Institute</a><br />
<br />
<a href="http://www.goodreads.com/review/show/39019619?utm_medium=api&utm_source=blog_review"></a><br />
<h3><a href="http://www.goodreads.com/review/show/39019619?utm_medium=api&utm_source=blog_review">My review</a></h3><br />
rating: 3 of 5 stars<br />
This Guide is different from the ones we have accustomed seeing on the store's bookshelves at the education reference section. The Guide does not attempt to rank any particular programs, instead it provides information on each of the 130 graduate business schools around the globe.<br />
<br />
The information is particularly relevant to prospective students looking for Green MBA programs. On average, each school is profiled in 2-page spread with stats including relevant topic courses offered, numbers of relevant activities, and demographics. The Guide also profile the relevant programs each school offered, including popular courses, relevant majors, students clubs, annual activities, and available centers of research.<br />
<br />
While prospective students, especially those with green value inclination, will find this Guide very useful, other guides should be consulted as well. This Guide should be used as a supplementary and not a core MBA guide.<br />
<br />
<a href="http://www.goodreads.com/review/list/1322327?utm_medium=api&utm_source=blog_review">View all my reviews.</a>Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-83205782265139812522009-01-02T21:37:00.116+07:002009-02-15T22:38:53.677+07:00The 90 RuleLet's start the new year by talking money. I have been thinking of an appropriate portfolio allocation model following the wrath of the crisis that have wiped half of my portfolio value. As I have tinkered in different accounts mixing different asset classes, I have found something that further confirmed the mainstream adage of "don't put your eggs in one basket". It turns out that my <a href="http://www.sec.gov/investor/pubs/intro529.htm">529 account</a> which hold the most bond allocation (some 30%) have declined the least, while other equity-dominant accounts have fared worse, some actually fell by 60%.<br />
<br />
Fortunately, I still have the bulk of my accounts, set aside for further schooling purposes, in safe cash-equivalent instruments. Therefore, no adverse impact caused by market gyration. However, the Rupiah depreciation of some 20-30% last month have caused heavy burden on my side to continue saving for school. Thus I've decided to postpone further schooling for at least another year, bearing economic stability.<br />
<br />
By taking lesson from the crash, I've come to believe more in the virtue of <a href="http://en.wikipedia.org/wiki/Diversification_%28finance%29">diversification</a>, extending to debt-instruments. According to the popular advice of the Vanguard founder, <a href="http://en.wikipedia.org/wiki/John_Bogle">John Bogle</a>, one should have bond allocation proportionally to one's age. This simple allocation model advocate for picking a number (as a proxy to one's life expectancy) and substract it with one's current age (as a proxy for bond allocation). The result will be the appropriate allocation for equities in one's porfolio. While aggresive investor will use 110 or higher as the basis, the rule of thumb is to use 100. For example, a 40 years old should have 60% of his portfolio in equity and 40% in bond (100 - 40 = 60).<br />
<br />
With slight modification, I've decided to use 90 as my basis. The idea is to put 10% of my portfolio in a managed account to generate continuing benefit for philanthropical purposes. The 10% allocation is arbitrary and exclude charitable expenses. Examples of financial instrument for this account might be a special-purpose mutual fund (like what I had <a href="http://indrayudha.blogspot.com/2007/10/kehati-lestari-mutual-fund.html">wrote</a> sometime ago), or a <a href="http://indrayudha.blogspot.com/2008/10/new-paradigm-on-management-of-zakah.html">self-managed</a> microfinance account. With that in mind, my portfolio allocation should be 62% equity and 28% bond. It seems that I've had larger equity proportion than I should, to my detriment. I'll try to reach this allocation for my retirement portfolio by mid-year. Wish me luck!Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-19630122074504219062008-12-30T22:07:00.000+07:002009-02-15T21:35:10.362+07:00The 100th PostingUnbeknown to me, my postings in this blog have reached 100th. A bit lame, if you asked me. The blog has been around since 2004 and I only manage to get 100 postings. It could have been more (though I can always resort to the 2006 debacle of being an MT and only had time to write <b>two</b> postings for the whole year; hah, what an excuse!).<br />
<br />
I've been through some consolidation recently. Putting closure for two of my other blogs and resuming another one, who had been abandoned for awhile. I guess I have my work cut out for me in 2009, with a goal of getting the average yearly posting up to 25 (from 20 currently), and running the wheel on the <a href="http://www.indrayudha.net/">website</a> again. Here's to (hopefully) an exciting 2009, and a new chapter in my life! Cheers, and Happy New Year!Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-29551534084573255482008-12-01T00:21:00.000+07:002008-12-01T00:21:00.766+07:00I Finally Found Someone<object height="344" width="425"><param name="movie" value="http://www.youtube.com/v/-MtCVC8EhjQ&hl=en&fs=1"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/-MtCVC8EhjQ&hl=en&fs=1" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="425" height="344"></embed></object><br />
<br />
Duet by Barbra Streisand and Bryan Adams<br />
<br />
<div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I finally found someone, who knocks me off my feet</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I finally found the one, who makes me feel complete</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">We started over coffee, we started out as friends</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">It's funny how from simple things, the best things begin</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">This time it's different (dah dah dah dah)</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">It's all because of you (dah dah dah dah)</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">It's better than it's ever been</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Cause we can talk it through</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">My favorite line was "Can I call you sometime?"</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">It's all you had to say to take my breath away</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">This is it, oh</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I finally found someone</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Someone to share my life</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I finally found the one</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">To be with every night</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Cause whatever I do</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">It's just got to be you</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">My life has just begun</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I finally found someone (ooh, someone)</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I finally found someone (ooh)</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Did I keep you waiting (I didn't mind)</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I apologize (baby, that's fine)</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I would wait forever just to know you were mine</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">And I love your hair (sure it looks right?)</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I love what you wear (isn't it too tight?)</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">You're exceptional</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I can't wait for the rest of my life</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">This is it, oh</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I finally found someone</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Someone to share my life</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I finally found the one</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">To be with every night</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Cause whatever I do</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">It's just got to be you</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">My life has just begun</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I finally found someone (ooh, someone)</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I finally found someone (ooh)</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Cause whatever I do</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">It's just got to be you</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">My life has just begun</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">I finally found someone</span></div><br />
[Three months have passed.<br />
<br />
Getting to know more on each other. <br />
Getting to know the habits.<br />
Getting more understanding. <br />
Getting more intimate.<br />
<br />
Still thinking about the dreams together.<br />
Still feeling that warmth and serenity.<br />
Still lovingly comfortable.<br />
Still crazy about each other.<br />
<br />
Have I finally found someone?<br />
I think I have.]Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-59934672207640477452008-11-30T16:37:00.001+07:002008-11-30T16:39:30.051+07:00Do What You Are: Discover the Perfect Career for You Through the Secrets of Personality Type<a href="http://www.goodreads.com/book/show/49051.Do_What_You_Are_Discover_the_Perfect_Career_for_You_Through_the_Secrets_of_Personality_Type_Revised_and_Updated_Edition_Featuring_E_careers_for_the_21st_Century?utm_medium=api&utm_source=blog_review" style="float: left; padding-right: 20px;"><img alt="Do What You Are : Discover the Perfect Career for You Through the Secrets of Personality Type--Revised and Updated Edition Featuring E-careers for the 21st Century" border="0" src="http://photo.goodreads.com/books/1170357294m/49051.jpg" /></a> <a href="http://www.goodreads.com/book/show/49051.Do_What_You_Are_Discover_the_Perfect_Career_for_You_Through_the_Secrets_of_Personality_Type_Revised_and_Updated_Edition_Featuring_E_careers_for_the_21st_Century?utm_medium=api&utm_source=blog_review">Do What You Are : Discover the Perfect Career for You Through the Secrets of Personality Type--Revised and Updated Edition Featuring E-careers for the 21st Century</a> by <a href="http://www.goodreads.com/author/show/27533.Paul_D_Tieger">Paul D. Tieger</a><br />
<br />
<a href="http://www.goodreads.com/review/show/38443827?utm_medium=api&utm_source=blog_review"></a><br />
<h3><a href="http://www.goodreads.com/review/show/38443827?utm_medium=api&utm_source=blog_review">My review</a></h3><br />
rating: 5 of 5 stars<br />
[My review is on Bahasa (Indonesian) language. The review was originally intended for publication in an internal corporate newsletter. Since it is unpublished, I've decided to use it for this purpose instead.]<br />
<br />
Kebanyakan dari kita memilih pekerjaan selama ada lowongan yang kosong dan kompensasi yang menarik tanpa terlalu memikirkan kesesuaian pribadi kita dengan tanggung-jawab dari pekerjaan tersebut. Akibatnya, banyak dari kita yang merasa kurang puas dengan pekerjaan yang kita lakukan dan berdampak pada kinerja dan aktualisasi diri yang tidak optimal dalam bekerja. Hal ini tidak hanya terjadi pada rekan kita yang fresh graduate dan baru memulai karirnya, namun juga menimpa tidak sedikit dari rekan kita yang sudah mencapai pertengahan karirnya.<br />
<br />
Apabila kita masih membayangkan rumput pekarangan tetangga yang lebih hijau, maka tidak ada salahnya untuk membaca buku ini dan memutuskan sendiri apakah rumput tersebut memang benar-benar hijau. Selama lebih dari 10 tahun, buku karangan pasangan suami-istri Tieger ini telah membantu ribuan pembacanya dalam mencari pekerjaan yang sesuai dengan tipe kepribadian mereka. Paul dan Barbara menulis Do What You Are dengan berdasarkan pada metodologi Myers-Briggs yang dikembangkan oleh Isabel Briggs Myers dan ibunya, Katherine Myers, di tahun 1920an. Metodologi tersebut membagi kepribadian seseorang menjadi salah satu dari 16 macam tipe yang ditandai dengan kombinasi empat huruf.<br />
<br />
Keempat huruf tersebut dapat ditentukan setelah pembaca menjawab beberapa pertanyaan awal yang telah disediakan. Selanjutnya pembaca dapat melihat gambaran dan penjelasan mengenai tipe tersebut dan biasanya mulai “menemukan” dirinya. Selanjutnya pembaca dapat mengetahui aspek-aspek apa saja dari pekerjaan yang berpengaruh positif serta dapat membahagiakan Anda dalam pekerjaan tersebut dan aspek-aspek lainnya yang berpengaruh sebaliknya terhadap diri Anda. Akhirnya Anda akan dapat menentukan karir dan jenis pekerjaan apa yang paling sesuai dengan tipe kepribadian Anda. <br />
<br />
Buku ini telah berkembang dan pada edisi berikutnya mengulas mengenai bagaimana menjalin hubungan berdasarkan tipe kepribadian pasangan Anda -- <a href="http://www.amazon.com/gp/product/0316845698?ie=UTF8&tag=indrayudhanet-20&linkCode=as2&camp=1789&creative=390957&creativeASIN=0316845698" target="_blank">Just Your Type: Create the Relationship You've Always Wanted Using the Secrets of Personality Type</a> -- dan bagaimana mengasuh anak berdasarkan tipe kepribadian mereka -- <a href="http://www.amazon.com/gp/product/0316845132?ie=UTF8&tag=indrayudhanet-20&linkCode=as2&camp=1789&creative=390957&creativeASIN=0316845132" target="_blank">Nurture by Nature: How to Raise Happy, Healthy, Responsible Children Through the Insights of Personality Type</a>.<br />
<br />
<a href="http://www.goodreads.com/review/list/1322327?utm_medium=api&utm_source=blog_review">View all my reviews.</a>Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-35001952877953044652008-11-22T20:57:00.000+07:002008-11-30T16:26:37.042+07:00Pesta Blogger 2008<div class="separator" style="clear: both; text-align: center;"><a href="http://2.bp.blogspot.com/_1-goulhxvmw/STJMH-NGlQI/AAAAAAAAAEI/KxDlfF0EtiA/s1600-h/IMG_8339.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="http://2.bp.blogspot.com/_1-goulhxvmw/STJMH-NGlQI/AAAAAAAAAEI/KxDlfF0EtiA/s200/IMG_8339.JPG" /></a></div>I am sitting in <a href="http://profiles.friendster.com/70271455">Arabusta Coffee</a> right now, waiting for my friend. Wi-fi connection works like a charm, and I get to sit near a power socket. I can wait for hours, I guess. Okay, so what did I do today? Well, my nephew, Syahan, just had his first birthday celebration this morning.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/_1-goulhxvmw/STJNMuMZeWI/AAAAAAAAAEY/grDc0ktedUw/s1600-h/IMG_8455a.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/_1-goulhxvmw/STJNMuMZeWI/AAAAAAAAAEY/grDc0ktedUw/s200/IMG_8455a.JPG" /></a></div>I got to wake up earlier than I usually do on a nice cozy weekend. I got a task of documenting the party, using my brother's camcorder. Lots of guests came with their kids. We had this party designed and decorated with a theme of <a href="http://www.madagascar-themovie.com/">Madagascar</a>, coinciding with the movie release earlier this month. Games and magic shows kept the kids entertained, while foodstalls (consisting of <i>bakmie ayam, bakso, sate ayam, </i>and <i>sop buah</i>) kept the adults busy. Har har..<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/_1-goulhxvmw/STJLHj5A9bI/AAAAAAAAAEA/6IjLHSNs5L4/s1600-h/pestablogger08.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="http://3.bp.blogspot.com/_1-goulhxvmw/STJLHj5A9bI/AAAAAAAAAEA/6IjLHSNs5L4/s200/pestablogger08.png" /></a></div>After lunch, I went to <a href="http://pestablogger.com/">Pesta Blogger</a> and tried to attend what was left of it. It had started earlier in the morning, and since I couldn't make it last year, I had to come to this year's event and see what it's all about. I arrived just shortly before they split the event into parallel discussions. I attended the <i>Mari Jadi Blogger Yang Kreatif!</i> (Let's Become a Creative Blogger!) with speakers <a href="http://yoris72sebastian.wordpress.com/about/">Yoris Sebastian</a> and <a href="http://radityadika.com/siapa_sih_radit/">Raditya Dika</a>. They shared their experience in claiming their identities in the already blog-infested virtual world, building and leveraging their creative energies, their successes and failures, and their future endeavors (a movie based on Raditya's blog, <i>Kambing Jantan</i>, is scheduled to be released in 2009).<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/_1-goulhxvmw/STJWgsdV7aI/AAAAAAAAAE4/0JcVJlbW2KY/s1600-h/IMG_0327.JPG" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/_1-goulhxvmw/STJWgsdV7aI/AAAAAAAAAE4/0JcVJlbW2KY/s200/IMG_0327.JPG" /></a></div>After waiting for like an hour for door prizes, I left the scene with empty hands (well not entirely since I've got a goody bag filled with laptop case, badges, brochures, and other stuff). I walked down the Thamrin lane to <a href="http://www.grand-indonesia.com/">Grand Indonesia</a>. Bought a novel at Gramedia (yup, a compilation of blog postings, strangely, of an anonymous writer). Had a dinner at Gado-Gado Boplo. And ends up at Arabusta Coffee. Waiting for my friend. Should be any minute now...Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-6228305428926653962008-11-19T21:29:00.002+07:002008-11-30T13:21:44.086+07:00Mare Forum Maritime Indonesia 2008Tonight, I got mentally exhausted, yet relieved. I just had my speaking engagement earlier this afternoon. Pfew!<br />
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Okay, about two weeks ago, I got a phone call from the organizer, one Mr. Jannis Kostoulas, the managing director of the Mare Forum. The <a href="http://www.mareforum.com/">Mare Forum</a> are organizers of Mare Forum conferences, specializing in conference management, project development and policy marketing. They bring together policy makers and chief executives of an industry to have dialogue and debate so everybody can be on the same page in strategizing business and deciding on policies. Today's Mare Forum conference held in the <a href="http://www.fourseasons.com/jakarta/">Four Seasons Jakarta</a> was discussing about the maritime industry, and was titled <a href="http://www.mareforum.com/maritime_indonesia_2008.htm">Maritime Indonesia 2008</a>.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://4.bp.blogspot.com/_1-goulhxvmw/STImvj6hP3I/AAAAAAAAADo/T8DCERKiyL4/s1600-h/mareforum08indonesia.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/_1-goulhxvmw/STImvj6hP3I/AAAAAAAAADo/T8DCERKiyL4/s320/mareforum08indonesia.jpg" /></a></div>The conference was attended by some 140 guests (as told by the organizer), mostly from the shipping industry, both Indonesian and foreigners. There were three large groups as I had observed: shipowners, shipbrokers, and financiers. Other small groups were lawyers, analysts, journalists, and none from the government. Quite a dissapointment since a lot of the discussion needed the government's perspective as the policymaker. But their absence is understandable, since the policymakers would almost certainly be put in a hot seat. Nonetheless, the conference moved on ahead with minor delays on the schedule.<br />
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I was scheduled to present my case shortly after lunch. The topic of my presentation was regarding <a href="http://en.wikipedia.org/wiki/Cabotage">cabotage</a>. Cabotage is a hot topic in the Indonesian shipping industry. It presents an opportunity for tilting the balance of the bargaining power toward the shippers and away from the charterers. I think the future landscape of the domestic maritime trade will be at the favor of the shippers due to implementation of the cabotage law. Of course, holding the premise that it will be implemented, and on time. My presentation have been archived by the Mare Forum <a href="http://www.mareforum.com/INDONESIA_2008_PRESENTATIONS/PRAKASA.pdf">here</a>.<br />
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Why did I choose to present a topic on cabotage, much less on maritime trade? Well, I think the organizer felt strongly about the cabotage issue, and I happened to write an <a href="http://www.thejakartapost.com/news/2008/04/23/cabotage-key-maritime-trade-if-we-have-political-will.html">article</a> about it on the Jakarta Post. They even admit to have invited me because of that article.<br />
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Overall, it was a good experience for me, a change of pace from my daily work in the cubicle pondering the state of my valuation (sigh). I met a lot of people here, and a fellow Indiana <a href="http://www.facebook.com/profile.php?id=6826564&ref=ts">alumn</a> (yeah, a small world after all).Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-67746956308163209282008-11-15T09:15:00.001+07:002008-11-25T21:51:58.781+07:00Pegawai Virgo[Sabtu pagi kok malah ngomongin kerjaan. Yah, iseng-iseng lah sekalian nunggu nyokap selese ngaji sebelum berangkat lagi ke <i>sinshe</i> lagi siang ini. Batuk akut gue udah berkurang drastis sih, ngga ada malah. Hebat tuh <i>sinshe</i>, ramuan herbalnya manjur gila! Padahal gue udah tiga kali ke dokter, beda semua, tiga-tiganya ngasih resep antibiotik, dan ga ada yang mempan. Akhirnya pake pengobatan alternatif dan sembuh (Insha Allah, gue ngga mau nge-<i>jinx</i> neh). Yah, rencananya sih ke <i>sinshe</i> mo ngambil ramuannya lagi, <i>at least</i> buat seminggu lagi deh, mungkin aja kan belum sembuh bener. Sekalian di-akupunktur lagi buat cedera pinggang gue dua minggu yang lalu. Itu juga mendingan banget sekarang, gue rekomendasi deh buat <i>sinshe</i>-nya.<br />
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<i>Anyway</i>, gue pernah dikirimin email nih ama temen kantor gue. Biasa lah, kan sering kedapetan tuh, <i>either </i>email kaleng, humor, gosip, <i>game</i>, berita, ato isengan kaya gini. Yah, boleh lah kita kupas dikit mengenai kinerja pegawai berdasarkan zodiaknya ini. Aslinya diambil dari blog <a href="http://triatmojo.wordpress.com/2007/04/17/kinerja-seseorang-berdasarkan-zodiak-nya/">Yunianto Tri Atmojo</a>. Mari kita baca dulu.]<br />
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<div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><b>Dalam situasi yang tepat</b>, Virgo akan suka bekerja. Mereka akan dapat menjadi pegawai ideal, <b>dengan bahagia mau bekerja sampai malam dan memastikan semuanya berjalan sempurna</b>. Jika anda mencari pegawai yang <b>tidak keberatan untuk memulai segala sesuatunya dari posisi terendah</b>, maka carilah pegawai Virgo.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Mereka tidak akan pernah mengeluh mengenai posisi. Mereka merasa cukup dengan pekerjaan dasar dan jujur. Tetapi perasaan cukup ini tidak selalu nampak. Mereka sangat cerewet dan <b>cenderung mudah kuatir</b>. Mereka cepat mengkritik mengenai cara melakukan sesuatu di kantor. Mereka adalah orang pertama yang akan segera <b>menunjukkan sikap tidak setuju</b> mengenai apa yang mereka anggap <b>sikap <i>extravagant</i> atau kemalasan</b>.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Mereka <b>tidak suka menusuk, jujur dan tidak suka bertele-tele mengenai apa yang mereka anggap kurang benar</b>. Biasanya hal ini akan ditumpahkan kepada mereka yang melakukan pekerjaan yang ’setengah matang’ atau orang yang tidak memperhatikan rekan kerja yang lain.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Anda harus terus-menerus meyakinkan mereka, tetapi hal ini hanya akan sedikit menahan keresahan mereka. Mereka sebenarnya menikmati untuk merasa kuatir, dan anda tidak akan bisa banyak melakukan sesuatu tentang hal ini. Anda cukup <b>memberikan proyek detil dan membiarkan mereka bekerja sendiri</b>. Anda tidak perlu mengawasi seorang Virgo dalam bekerja. Mereka <b>akan mencari semua fakta sebelum mulai dan akan segera mengetahui semua kesalahannya ketika mereka selesai</b>. Untuk menjaga kebetahan mereka bekerja, anda perlu memperhatikan <b>kondisi lingkungan, agar tetap teduh dan rapi</b>. Anda juga perlu memberikan <b>tanda-tanda penghargaan, walaupun kecil</b> untuk mereka.</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;"><br />
</span></div><div style="font-family: Verdana,sans-serif;"><span style="font-size: x-small;">Mereka tidak butuh sesuatu yang mewah, cukup untuk memberikan penghargaan kecil yang tidak perlu sampai membuat mereka memerah malu. Mungkin mereka akan menghela napas dan hanya mengatakan "Ah, nggak ada apa-apanya kok." Tetapi didalam hati mereka <b>membutuhkan pujian kecil</b> seperti ini.</span></div><br />
[Sebentar, garis bawahi dulu situasi yang tepat. Oke, banyak benernya nih menurut gue sebagai pegawai berzodiak Virgo. Virgo kayanya terkenal perfeksionis ya? Di sini juga dibilang begitu, pegawai Virgo bersedia untuk menjadi <i>workaholic</i> demi "kesempurnaan" kerjaan. Asal instruksinya bener dan lengkap, pegawai Virgo sih udah bisa jalan sendiri. Cuman ya itu, karena perfeksionis jadi gampang panikan, <i>constantly anxious</i>. Kesannya kaya kerjaannya itu masih salah, masih bisa dibenerin lagi, masih ada yang kurang lah.. etc, etc. Tapi apa iya sih emang bawaan?<br />
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Terus, apresiasi kerja emang perlu banget sih. Sebagai pegawai Virgo, gue mengakui adanya harapan-harapan apresiasi kerja setelah ngerjain suatu proyek. Biasanya cukup dengan pujian kecil udah oke sih. Dan kayanya bos gue yang sekarang kaya gitu orangnya. <i>Well</i>, ngga ke gue doang sih, ke semuanya juga gitu. So, yah, oke sih nih "ramalan". Banyak kenanya. <i>Anyway</i>, nyokap dah dateng nih, berangkat dulu ya...]Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0tag:blogger.com,1999:blog-8292736.post-89122110921127647702008-11-14T22:47:00.000+07:002008-11-24T21:38:19.680+07:00Dragonfly's Thursday Industrie - Finance & Co.About a month ago, a strange email landed on my inbox. An invitation from a guy named Andi, to be a host for the next Thursday Industrie event held at <a href="http://www.the-dragonfly.com/">Dragonfly</a>. Hmm.. must have known my email address from my business card (yeah, I got this habit of dropping my business cards in the glass bowls of various establishments I had visited, hey, you might get an invitation like this..).<br />
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A host in this event functions more as a person who invites his/her friends to come over, not as an emcee (a lot of people had asked me about it, so I guess I better explain it beforehand). As a token of gratuity, Dragonfly provides a table and a free bottle for the first round of drinks. Dragonfly regularly throw up this Thursday Industrie event for people working in a particular industry so they can mingle, network, and have fun. They rotate the industry periodically between several different industries such as finance, entertainment, public relations, music, fashion, etc.<br />
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So about two weeks ago, I accepted Andi's invitation after consulting with several of my co-workers (hey, I need to know if people would come to this event before I agreed for my name to be put as a host there). Andi turns out to be the "party officer" at Dragonfly, and he just sent me the invitation poster four days prior to the event. Luckily, I had told my friends and let them know ahead of time (it's not a weekend event, so chances for us finance people to come to a party mid-week is a bit slim, yeah right..).<br />
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So I emailed the invitation out, and lo and behold, another co-worker is also named as a host, Muti. She was surprised her name was even there, and quickly emailed tons of her friends to come for the event. It was put on <a href="http://www.facebook.com/event.php?eid=49055875016">Facebook</a> as well.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="http://3.bp.blogspot.com/_1-goulhxvmw/SSqwbz2bSGI/AAAAAAAAADg/EbJoysE_-NI/s1600-h/dragonfly_finance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/_1-goulhxvmw/SSqwbz2bSGI/AAAAAAAAADg/EbJoysE_-NI/s400/dragonfly_finance.jpg" /></a></div><br />
<div class="separator" style="clear: both; text-align: center;"></div>So I came a bit earlier (hey, they told me the event started at 8 PM and when I came at 9.15 PM, no one had showed up at my table). As the night turned late, more people showed up. All in all, the two major groups attending the event were from Citi and Danareksa. Cool. You can take a look at the photo album <a href="http://www.facebook.com/album.php?aid=71000&id=558143687">here</a>, courtesy of Nares.Mr. Yhttp://www.blogger.com/profile/15954669105698537898noreply@blogger.com0