Jumat, 22 Juni 2012

8 Obstacles and Solutions Start a Business

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Novice entrepreneurs typically encountered several obstacles in developing its business. Several obstacles range from the affairs of human resources, product development, capital planning, to execution.
Indonesia Stock Exchange Chief Researcher, Poltak Hotradero, explains, knowing the constraints, entrepreneurs are expected to overcome the obstacles it. Poltak revealed eight common barriers experienced by entrepreneurs.
Here's the list:
A. Human ResourcesAn entrepreneur requires teamwork and specialization to develop the company. For that, an entrepreneur must continue to invest in people to develop the company.
He cited PT Astra International Tbk. Astra managerial focus in human resources, so that any ongoing business, may develop. "Initially, only Astra car assembly business. But, now his business everywhere, from oil to water," said Poltak in Entrepreneur Festival in Jakarta, Friday, June 22, 2012.
2. Product DevelopmentPoltak explains, many businesses in the newbie one business that will determine diterjuni. Most of the failure of employers are required to make products that are not public. He gives advice to make the product "demand driven", ie products that are needed by the community.
Poltak exemplifies how Hewlett-Packard continues to launch products that people need, because of the input and suggestions from the public. Product development is important for survival.
3. Mapping the CompetitionPoltak suggested that any would-be entrepreneurs to research the SWOT (strengths, weaknesses, opportunities and threats) and kept an eye on competitors. The planning is very important when competition continues.
One example of a company that does not make good planning is Kodak. "Kodak's first digital image inventors and strong in photography. However, because they are strong to be overtaken competitors are not vigilant, so that Kodak went bankrupt last year," says the analyst of this capital market.
4. DemandThe customer is king. For that, an entrepreneur must decide who would be a priority for the products sold. Determination of segmentation is to know the characteristics of the customer.
Poltak Wal-Mart exemplifies the position for the lower-class customers by providing generic goods and the lowest cost. This positioning makes Wal-Mart's demand to be elastic. Timegood economy, lower-class people shop at Wal-Mart, and tough economic times, the upper classes also come shopping at Wal-Mart.
5. PricingPricing is the most difficult thing is determined by a recent plunge in the business world. According to him, the price has been determined should be changed to adjust the economic situation, or to innovate by creating new affordable products.
Unilever, he added, is a good example. Unilever products are very strong in the upscale consumer. However, with a brilliant strategy, Unilever can also reach the lower classes by making a sachet packaging."When the product turned down, the margin was greater normal product," he said.
6. Sales CycleA budding entrepreneur should pay attention to the product sales cycle, whether durable or not. Entrepreneurs must also consider the length of a product on the market by continuing to innovate new products released.
For example, Nokia continues to release new products every six months, so that competitors can not pursue innovation that made Nokia.
"Unfortunately, the problem of operating system that Nokia just stick with Symbian is not open as Android," he said.
7. Capital planningA spirited entrepreneurs always make capital planning and targets. With a strong capital planning, business continues to rotate capital to develop the business. "The important thing for people who are successful entrepreneurs at heart, the riotous so many numbers, the importance of the first," he said.
An example is General Electric which continues to play its capital for expansion in new business. GE has always target businesses that have successfully entered into new three in five years.
8. ExecutionHe explained that the execution of a product is the hardest thing. An entrepreneur has to adhere to the schedule. In addition, the product has proven to be executed and the person who is required to target their products can be used.
"Bill Gates will launch a product every principle must be used by his grandmother. If the grandmother can not use these tools, should be revised to make it," he said


info from : 
http://bisnis.vivanews.com/news/read/328528-8-kendala-dan-solusinya-memulai-usaha
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Kamis, 14 Juni 2012

Industry Laws

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Not so fast. Business in this country is regulated, heavily in some cases. There is a set of laws involving cottage industries, and pleading ignorance will not keep you from being heavily fined or shut down if you’re found in violation. Laws vary from place to place, so check your state, county and city websites for the particulars. But the most common issues concern what you make and where you make it.


Your Home
As mentioned, cottage industries are run from the home. But that’s not all there is to it. First, you have to check with the city to make sure your home is zoned for cottage industry (which is entirely separate from being zoned for business or residential use). Then, you have to check with your neighborhood association to make sure they’ll allow signage, the expected traffic, and everything else that comes along with business.

Will customers come to your home? Better have ample parking. Many places require that no more than 25 percent of your home’s square footage may be used for business purposes. Plan on selling food? Your kitchen usually has to be separated from the rest of the house and kept in Health Department-approved cleanliness.

Licensing
Depending upon where you live, you may have to get a business license for your cottage industry. At the very least, you’ll have to register a fictitious name, unless you are doing business under your full, legal name. Even if local laws don’t require a business license, some other sales outlets do - many trade shows, fairs and green markets require your business to be fully registered before you can purchase a booth.

Don’t forget insurance! Liability insurance is a biggie. If customers will be coming to your home, speak to your home insurance rep to be sure you’re still covered.

Your Process
If you are producing food, you need to run your home kitchen like a professional kitchen. That means that Fluffy and Fido are no longer allowed in, and anyone who even stands near a prep area must wear a hair covering. In some places, you may even need to install special equipment (like the triple sink) that is used ONLY for your business, not family-related cooking.

Even if you’re not producing food, you may need additional equipment or permits if you use hazardous materials in the construction of your product - and we’re not talking uranium, here. Spray paint? Spray booth. Smelly glue? Vent hood. Welding? Not in this neighborhood, buddy.

Your Product
If you’re producing non-hazardous, non-food items, you’re probably okay. But bakers beware - there’s a whole mess of laws that govern what foods can and cannot be sold from a cottage industry. Baked goods are generally okay, as long as they don’t contain dairy as the main ingredient. Jams and jellies are usually fine, but not if they’re canned - home canning requires a whole other set of permits and inspections, and usually requires special equipment to ensure sterility.


read more :
http://www.buzzle.com/articles/cottage-industry-laws.html
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Rabu, 09 Mei 2012

Why France Has So Many 49-Employee Companies

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Here’s a curious fact about the French economy: The country has 2.4 times as many companies with 49 employees as with 50. What difference does one employee make? Plenty, according to the French labor code. Once a company has at least 50 employees inside France, management must create three worker councils, introduce profit sharing, and submit restructuring plans to the councils if the company decides to fire workers for economic reasons.
French businesspeople often skirt these restraints by creating new companies rather than expanding existing ones. “I can’t tell you how many times when I was Minister I’d meet an entrepreneur who would tell me about his companies,” Thierry Breton, chief executive officer of consulting firm Atos and Minister of Finance from 2005 to 2007, said at a Paris conference on April 4. “I’d ask, ‘Why companies?’ He’d say, ‘Oh, I have several so that I can keep [the workforce] under 50.’ We have to review our labor code.”
While polls show job creation and the economic crisis are the top issues for voters in the May 5 second-round vote for president, neither President Nicolas Sarkozy nor Socialist challenger François Hollande are focusing on Breton’s concern. Companies say the biggest obstacle to hiring is the 102-year-old Code du Travail, a 3,200-page rule book that dictates everything from job classifications to the ability to fire workers. Many of these rules kick in after a company’s French payroll creeps beyond 49.
Tired of delays in getting orders filled, Pierrick Haan, CEO of Dupont Medical (not to be confused with chemical company DuPont (DD)), decided last year to return production of some wheelchairs and medical equipment to France. The 150-year-old company, based in Frouard in eastern France, created 20 jobs making custom devices at a French plant—and will stop there. Faced with France’s stifling labor code, Haan probably will send any additional production of standard equipment to what he calls “Near France”—Tunisia, Bulgaria, or Romania. “The cost of labor isn’t the main problem, it’s the rigidities,” Haan says. “If you make a mistake in your hiring plans, you can’t correct it.”


more :
http://www.businessweek.com/articles/2012-05-03/why-france-has-so-many-49-employee-companies
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Senin, 02 Januari 2012

The biggest money stories of 2011

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From gyrating markets to anemic interest rates, it's been a financially stressful year. Here are 8 stories that had a lasting financial impact -- and what to do now.

 

From Occupy Wall Street to market madness to insanely low mortgage rates, 2011 has been eventful for personal finances. Here's a look back at the eight biggest stories that affected your pocketbook this year, along with practical advice for protecting your assets going forward. After all, while past performance is no guarantee of future results, you can always learn valuable lessons from the news.

Stock market volatility

The story: A roller-coaster ride doesn't even begin to describe the gyrating stock market in 2011. A major culprit was concern over the debt crisis in Europe, which led to a lot of volatility and some big trading days. One of those days was Nov. 30, when the Standard & Poor's 500 Index ($INX -0.43%)gained 4.3% in a single trading session. The VIX, an indicator of stock market volatility, registered as high as 48, a level unseen since the depths of the U.S. financial crisis in late 2008 and early 2009.
Our advice: Stick with stocks. As Knight Kiplinger recently pointed out, despite the ups and downs of equities, they remain the single best investment over long periods of time. Use dollar-cost averaging to smooth price swings, resist panic selling and attempts at market timing, and lean on dividend-paying stocks during difficult stretches. Kiplinger forecasts a return of 8% to 9% for the S&P 500 in 2012.

Big-bank backlash

The story: The ultimate goal of the Occupy movement might be ill-defined, but one of the most prominent targets of its ire is the financial-services industry. Many consumers agree, dealing a blow to big banks in 2011 with the wholesale rejection of a $5 monthly fee on debit cards. Beleaguered bankers quickly backpedaled for fear that outraged customers would take their business elsewhere.
Our advice: Tired of being nickeled-and-dimed by your big bank? Check out a credit union instead, as big-bank customers were urged to do in October on International Credit Union Day. These nonprofit financial institutions often offer lower fees and better interest on accounts than big banks do.

Dawn of the tablet wars

The story: The year that saw the death of Steve Jobs also saw the birth of competition among tablet makers. Jobs fired the opening salvo in 2010 with the debut of the iPad from Apple (AAPL -0.03%, news), but the war for tablet supremacy began in earnest as everyone from Samsung and Sony (SNE +2.04%, news)to Research In Motion (RIMM +1.12%, news)and HTC entered the fray in 2011. Apple, which rolled out its upgraded iPad 2 to defend its position as tablet leader, faces perhaps its biggest threat yet in the Kindle Fire from Amazon.com (AMZN -0.44%, news), released just ahead of the holiday shopping season.
Our advice: The clear victor in this scuffle won't be either Apple or Amazon; it will be the consumer. If you have a spare $499, by all means buy an iPad 2. Apple's tablet is best in class. But if you can get by with fewer bells and whistles, the Kindle Fire at $199 is an economical alternative. More tempting for late adopters might be to put off a tablet purchase until 2012, when prices will almost certainly drop. Meantime, make do with your smartphone and a Kindle Touch e-reader (starting at $99).

Payroll tax holiday

The story: Overshadowed but significant in 2011 was the payroll tax holiday that allowed most workers to keep an extra 2% of their paychecks. That translated into real money that made real purchases, paid real bills and funded real retirement accounts. Someone earning $50,000 a year, for example, reaped an extra $1,000 in 2011 thanks to the payroll tax holiday.
Our advice: Keep your fingers crossed that the payroll tax holiday gets renewed for all of 2012. (Congress has passed only a two-month extension so far.) Absent an extension, the U.S. economy could see a 0.5% reduction in gross domestic product next year, estimates JPMorgan Chase. If iyou need help replacing that lost take-home pay, try one (or more) of our "11 ways to get extra cash fast," from selling your stuff on consignment to participating in clinical trials.


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