Riffrag Business & Finance Report

Murderer No. 1 Some time ago (5/4/09) came to me a partner Syariah Mandiri Cengkareng BMT-by-chance-smokers ‘are’ (1 / 2 pack / day = Rp.5000), intends to apply venture capital financing. After talking a while, he complained that business conditions from the past until now still not developed, except for flowers flared. So I try to ‘dissect’ financial circulation is unfortunate that he always. Apparently, cigarette consumption becomes a significant contributor to the costs incurred, even almost 30% of monthly living expenses. And a supporter of the ‘bangkrutisasi’ dijalankannya business, business capital is only about 1 million. Knowing how much money has been and will burn in his life (5000xHari = xxx …), she shed tears thinking about the future of his son, “So far I’ve been planning for the future anak2 burn me!” He said, wiping her tears. And committed to quit smoking cigarettes and divert budget for future investment through BMT Cengkareng son Syariah Mandiri. Istri/ibu2 common the habit of complaining that her husband anak2nya even a hobby “bakar2 money”, whereas to obtain the meager money they have to benar2 ’solve’ the bone, and budget their cigarettes more often 30% of household costs incurred . And their families are still much needed basic needs / points that must be met, such as milk children, education, even though the rice. And I believe this phenomenon occurs not only my environment, but equally in all places, as is often reported notably. The facts before the eyes of the show that some heavy smokers but they can send children to school abroad and favorite, was to be grateful for being able to economically (remember, more than tens of millions of smokers who had such good luck). And much more grateful for a cigarette when the budget can be allocated to help people who are unable (despite all this I am sure they are not separated from the activity took ZIS / social). Assuming a budget of Rp cigarettes. 10.000/perhari, then the number a year they will definitely be able to provide additional scholarships for anak2 who could not afford. And just an illustration, I would like to quote an email from a friend, Fuad Baraja (June’s father in the soap opera Jin & Jun): “The number of smokers in Indonesia several years ago as many as 70 million people. Indonesian Muslims 80% of the total population in Indonesia. Tarohlah 80%. Then the mean number of smokers Muslims as much as 50 million people. Every person smokes a day between 1 to 4 packs. TAROHLAH 1 pack. Price pack of cigarettes between 8 to 12 thousand dollars. TAROHLAH Rp 10.000, — UMAT ISLAM INDONESIA means spend the money PER-DAY A total of 50,000,000 people x 1 pack x Rp 10,000 = Rp 500 billion. Within a month: 30 days X 500 Billion = 15 trillion. Within one year: 12 months X 15 = 180 trillion trillion. Subhanallah & NA’UZUBILLAH. Much money dredged by the tobacco companies that we know who they are, even their own most of the NO SMOKING. Figures are very, very fantastic bin spectacular for a nation that always makes a crucial disease ridden hell: POVERTY! By the numbers’ So much ‘, I’m sure we can open / create more jobs and better welfare for the society, including tobacco farmers and cigarette factory workers arrive at the hal2 smelling smoke that become the’ shield ‘for’ ashabunnar ‘. Even had a theory, a fact which shows that smoking is the Gate of Drugs. Surely we can not expect the government will issue an anti-smoking law or Cigarette Factory Eradication Act, because it’s ‘rice pot’ governments are burned with fire and smoke. SOLUTION Tree Perhaps one solution is to the girls and mothers who could stem the latent danger of cigarettes is a way to say “NO Smoker”: For those who want to gadis2 be edited & for the children to Ibu2 proposed …. Not meant to ’scare’ what else restrict human rights (Human Rights smoking), because the younger generation has a moral responsibility, social and even financially to do best for the future generations, although it could only be done through writing like this … So, what about we? Wallahua’lam bishawab

Pretty. Tough. Two words pop into my head as I watch a group of ladies enter the GUM, Moscow’s grande Olde shopping mall. It is -14 Celsius outside in Red Square, as they shake the snow off their overcoats.

I am settling in to write this week’s column over endless cups of coffee in the café of Gastronome No1, once a favorite of politburo members.

My thoughts turn to Indonesia, women in particular. It has not been a good decade for women around the world. While more than half the human race continues to live in some form of poverty, two-thirds of the underprivileged are women.

How are Indonesia’s women pharynx, at the turn of a new decade? Who are they today, how influential are they in the consumer economy? As I look at the chart, it strikes me that marriage as an institution is alive and well. Of all the ladies 14 years and older in age, a robust 70 percent are married.

That percentage is steady, growing in recent years. For a young country, that is a Surprisingly high number especially in comparison to Western societies.
n Indonesia, the ladies control the domestic budget. 57 percent of women are the nation’s main grocery buyers. That makes them the boss in 9 out of 10 households, much higher than in India for instance. This is a seemingly obvious fact that is all too often ignored by too many marketers.

From toothpastes to motorcycles, have many of them Overwhelming influence on brand-choice. This power can start Relatively early in life for a woman who Marries young, and can remain till she is the controller of the purse strings in a large extended family. More than two generations live under the roof of most homes, across the country, in the cities, Towns and villages. Not Surprisingly, this phenomenon is holding a pattern as well with cost of living Compelling generations to live together.

The nuclear family is not anywhere near becoming a major force in Indonesian society anytime soon.

Half the fairer sex, 14 years and over are Housewives. At 53 percent today, this number has in fact grown marginally in recent years, a significant comment on where society is heading. In general, women create little pressure on the job market, even while their presence in business and politics becomes increasingly visible. As a unit, the family can only benefit from her presence at home.

Exactly half of all women are mothers of children in the household. Again, in comparison to other societies both in the East and the West, this is a very high number and tracking steadily over time.

Perhaps the most significant changes in the life of Indonesia’s women is the rapid growth in
the numbers who have finished high school. In just five years, the rate of – climb from 21 percent in 2005 to 34 percent in 2009, is dramatic indeed. With many choosing to stay home, a better educated mother augurs well for the nation’s future. This is a development of a wide-ranging impact on society, Influencing healthcare to social behavior, politics to business.

Half the women who are not Housewives have a job, full or part-time. That is 25 percent of all Indonesian women. This number is holding steady, in the face of rapid improvements in the numbers of educated women.

More and more of these working women are riding motorcycles today. That number has grown from 11 percent of all women five years ago to 15 percent today. And climbing. This phenomenon has taken years for motorcycle manufacturers to first discover and then embrace. It is Influencing design and handling, not just colors and names.

But there is one major number measured by Roy Morgan research that is heading in the wrong direction. The percentage of women with active bank accounts has diminished over the years, from 20 percent in 2005 to 14 percent today.

This is yet another major sign that Indonesia not only remains a cash marketplace, it is becoming even more so. This is a setback for the country as a whole, with obvious impact on savings as well as asset development.

For The Overwhelming majority, there is little of either to speak of. Higher banking fees have not helped in developing banking relationships, but it is the everyday squeeze on the shopping budget is creating tension that even as wages go up rupiah.

With a growing population of female students at 13 percent of all women today, many of whom are staying on to finish high school, this negative trend will hopefully be reversed in time.

March 8 is International Women’s Day, a holiday in some countries but very popular here in Russia.

Taking off from a 1908 rebellion by women workers in America demanding better pay and working conditions, it became a movement in 1910 with the first international conference of women.

A day that is perhaps worthy of greater attention than it enjoys in most countries, while The Plight
of women across the world fails to improve.