Profile of Foreign Bank which Operates in Indonesia

Citibank, one of the major international banks, is the consumer banking arm of financial services giant Citigroup. Citibank was founded in 1812 as the City Bank of New York, later First National City Bank of New York. As of March 2010, Citigroup is the third largest bank holding company in the United States by total assets, after Bank of America and JPMorgan Chase.
Citibank has retail banking operations in more than 160 countries and territories around the world. More than half of its 1,400 offices are in the United States, mostly in New York City, Chicago, Los Angeles, the San Francisco Bay Area, Washington, D.C. and Miami. More recently, Citibank has expanded its operations in the Boston, Philadelphia, Houston, and Dallas metropolitan areas.
In addition to the standard banking transactions, Citibank offers insurance, credit cards and investment products. Their online services division is among the most successful in the field claiming about 15 million users.
As a result of the global financial crisis of 2008–2009 and huge losses in the value of its subprime mortgage assets, Citibank was rescued by the U.S. government under plans agreed for Citigroup. On November 23, 2008, in addition to initial aid of $25 billion, a further $25 billion was invested in the corporation together with guarantees for risky assets amounting to $306 billion Since this time, Citibank has repaid its government loans in full.

How Managers and Workers Rated Ten Job Conditions

Job Conditions	Workers Rating	Managers Rating	Reason
Full appreciation for work done	1st	8st	-Workers Rating- Because a worker should get a reward for her achievement so the workers will be the spirit of the work. -Managers Rating- a manager does not prioritize an appreciation for him because he basically had to do the best in performing their duties.
Feeling “in” on things	4th	10th	-Workers Rating- workers must have a certain feeling as to why he may like something related to their job. -Managers Rating- a manager does not focus on what she likes to do a job. most importantly how a manager can work in accordance with the provisions.
Sympathetic understanding of personal problems	9th	9th	-Workers Rating- a worker usually is not sympathetic to the difficulties experienced by other workers. -Managers Rating- managers rarely understand the problems occurred. The most important is how he can work optimally.
Job Security	7th	2nd	-Workers Rating- a worker need insurance to be more safe in a working because insurance is necessary although not prioritized. -Managers Rating- a manager more prioritized job security because if there is an accident at work then he can use it and can do the job very well.
Good Wages	3rd	1st	-Workers Rating- a worker usually choose a job with a good wages. -Managers Rating- manager is very prioritize comparable wages to his ability in the work.
Interesting Work	2nd	5st	-Workers Rating- workers chose an interesting job, they will prioritize it. -Managers Rating- manager works according to his ability even though the job interesting or uninteresting.
Promotion and Growth with Company	5st	3rd	-Workers Rating- most workers do not prioritize promotion in the company, because they work according to ability and procedures is the main thing. -Managers Rating- a manager needs to get a promotion at his company because  the manager can develop the ability to become a more professional managers.
Management loyalty to workers	10st	6st	-Workers Rating- workers may not be loyal to the manager so that workers are not attached by the manager. -Managers Rating- a manager usually likes a professionals worker that can make managers loyal to the workers.
Good Working Conditions	8th	4th	-Workers Rating- the success of a work team can be seen from each individual worker because cooperation in a team work. but it is not prioritized while each individual still has a good ability to work. -Managers Rating- a manager requires good teamwork to support the success of the job, because a manager may not be able to handle a problem without the cooperation.
Tactful disciplining	6th	7th	-Workers Rating- workers are required to have a high discipline in order to be able to work in accordance with the procedure. -Managers Rating- a manager is required to have a high discipline in order to be an example for employees.

HIGH COST ECONOMY IN INDONESIA

Value of extortion against businesses appraised land transport more than Rp 25 trillion per year. According to the study of Indonesian Employers Association (Hipmi) Research Center, the number of total results count of extortion of the administrative process to the vehicle until the driver on the road quotes. Each transport company set aside at least 25 percent of revenue to pay extortion.

Secretary-General Hipmi Harry Citizenship Aaron explains, research conducted with a sample of hundreds of transportation companies in various regions last year. "This study was conducted because of concerns about the proliferation of illegal payments," he said. The results released Tuesday, February 14, 2012.

Practices contributing extortion rated transportation accidents. High cost of illegal payments automatically reduce fleet maintenance costs. "How can you care if the money is not enough because of extortion," he said. As reported, the last bus accident occurred a few in a row until claimed dozens of casualties. Extortion also reduce driver performance. Harry explained, the driver is forced to chase payments work much harder if their income is sucked extortion. "They sacrificed hours of sleep," he said. With the physical condition of the driver is not fit, the risk of accidents increases.

Harry asked the government to take stern action against the perpetrators of extortion apparatus. "Fire, catch," he said. But he also proposed higher salaries for government officials so as not to be tempted to quote extortion. "Do not react so there is something new." Previously, extortion was also expressed about the Land Transportation Organization (Organda) Jakarta. "Clean up first problem extortion, poor public transport entrepreneurs," said Sudirman, Jakarta Organda Chairman. He cited the test cost Rp 140 thousand to swell up to twice as companies have to pay bribes. According to him, the perpetrators of extortion generally between testers.

Responding to the extortion problem, Transportation Minister EE Mangindaan said it would take stern action against the perpetrators of extortion as well as the practice of bribery in its scope. He promised tough sanctions immediately formulate rules for the cases that occur. "It must be eradicated. Needless asked again," he said. Party conducting the bribe and the bribe, he asserted, equally unlawful.

Director General of Land Transportation Ministry asked the producers Suroyo Alimoeso inform transportation locations, actors, until the time of the extortion. "Report it to us. If it is in the area of ​​ministry, as well as heavy sanctions. If the governments in the region, we will send a letter to the government," he said. Suroyo asserted, transportation businesses did not have to pay bribes when it comply with regulations. "The illegal payments bribes, should be no problem if, yes, it goes without bribe," he said. About the extortion that reduce the quality of care, Suroyo said, until now many companies that care otobus maintained vehicle. "Not true if the extortion money making vehicle maintenance fund is reduced."

Conversation

Susan barners is clark-typits at reliant insurance, she is an excellent worker. This morning she want to see mr. Harris, the officer manager and handed him a letter saying that she was giving up her job mr.harris did not want susan to leave so the tried persuade her to change her mind.

Mrs. Susan : good morning sir !

Mr. Harris : morning.

Mrs. Susan : Excuse me sir, there is a letter to mr.harris.

Mr. Harris : letter from whom mrs. Susan ?

Mrs. Susan : This letter from me sir. letter of resignation,.

Mr. Harris : indeed why mrs.susan want to resign from a job ?

Mr. Susan : speaks not here sir, in the room just mr.harris

Mr. Harris : oh yeah've let into my room.

“harris pack when he got in the room.”

Mrs. Susan : I would like to resign from my job sir.

Mr. Harris : why mrs.susan would resign?

Mrs. Susan : I was bored with my job sir

Mr. Harris : bored why mrs. Susan ?

Mrs. Susan : I was bored with my job which is only granted, no challenge sir !

Mr. Harris : challenge? mean mrs. susan actually what? I do not understand the meaning of mrs. susan.

Mrs. Susan : yes sir challenges, such as for example raising children and taking care of her husband.

Mr. Harris : oh so. whether salary mrs. susan less, so mrs. susan could think to do so ?

Mrs. Susan : weve still enough salary sir, only problem is I was never able to take the time for the kids and my husband sir

Mr. Harris : mrs. susan can always hire a maid at home to take care of the children.

Mrs. Susan : could you sir, but it's a child in need of love to his parents.

Mr. Harris : true also, but I think when mrs. susan want to give love to children it can take time.

Mrs. Susan : since I work here, I am hard to take the time for my husband and son sir.

Mr. Harris : yes mrs. susan professionals must work

Mrs. Susan : yes I understand. but mr.harris it out myself if I was a typist job, I run out of time for the computer just not with my family.

Mr. Harris : mrs. susan should be grateful to be working and able to help her husband in seek revenue

Mrs. Susan : yes, I'm grateful about it sir

Mr. Harris : well. so mrs.susan

Mrs. Susan : but sir, if I can spare the time for my husband and son?

Mr. Harris : The most important tuh intends mrs.susan first, then do the intentions

Mrs. Susan : r.harris sorry, looks like I have to continue the work first. Can we talk resumed after a lunch break?

Mr. Harris : of course is okay

*after the lunch break*

Mrs. Susan : excuse me sir. (while knocking on the door)

Mr. Harris : yes, please go. please sit

Mrs. Susan : I want to continue the conversation that morning sir.

Mr. Harris : please continue

Mrs. Susan : after I spoke with mr.harris, I've thought about this carefully. I decided not to resign from my job sir.

Mr. Harris : whether the decision mrs.susan already convinced?

Mrs. Susan : yes sir. I was confident with this decision.

Mr. Harris : Never mind, I welcome the decision by mrs. susan  

Mrs. Susan : I think this is enough talk time sir, excuse me sir. want to continue my work.

Mr. Harris : Ya

TUGAS PENGANTAR MANAJEMEN

Bisnis menjual martabak bangka

Nama pemilik : Bambang

Lokasi : Perum. Bumi anggerek

1.      Lingkungan yang mempengaruhi usaha tersebut

a.   Lokasi yang berada di pinggir jalan, sehingga lebih mudah untuk mengakses lokasi tersebut.

b.  Berdekatan dengan indomaret, sehingga lebih mudah untuk mendapatkan bahan baku.

c.  Padat penduduk, memungkinkan banyak peminatnya.

2.      Peluang

a.   Belum ada penjual yang menjual martabak di daerah tersebut.

b.   Lokasinya yang dekat pemukiman warga.

3.      Ancaman

a.   Banyaknya pedagang yang berjualan di tempat tersebut.

b.   Membuat martabak saat ini bisa dipelajari dengan mudah karena adanya internet, sehingga memungkinkan banyaknya pesaing.

 

4.      Kekuatan

a.   Rasa yang tidak kalah dengan martabak lain.

b.   Kebersihan yang terjamin terjamin.

c.   Harga yang ekonomis.

5.      Kelemahan

a.   Kalau hujan jalanan tempat jualan tersebut menjadi blok, sehingga memungkinkan orang enggan untuk membelinya.

b.   Peralatan yang masih kurang lengkap karena masih baru.

c.   Produk yang dijual hanya itu-itu saja, tidak ada variasi yang lain.

Corversation about job in a hotel.

andi and irvan were both returned to work, and then inadvertently they both meet on a road. and they both talk about their own work.

Andi   : Hi, you irzad right?Hi, you irvan right ?

Irvan   : Yes. are you andi right ?

Andi   : Yes. How are you irvan ?

Irvan   : Well, you yourself how are you?

Andi   : well, it's long so we did not meet.

Irvan   : yes it is, less than 9 years we do not meet

Andi   : family how are you?

Irvan   : my family well, your family how have you been?

Andi   : my family well, oh, where do you live now?

Irvan   : jln. Pengadilan I no, 33. If you live where it is now?

Andi   : jln. Pengadilan II no.48. sometime visiting my house

Irvan   : Yes, but other times only. because I was busy

Andi   : where did you work?

Irvan   : I work at hotel mawar, if you work where?

Andi   : I work at hotel melati, oh, the security at the hotel where you work how?

Irvan   : quite safe, at the hotel I work there are many security officers and complete cctv  camera’s. If you how?

Andi   : If the place I worked security is guaranteed  safe. and already in complete cctv camera’s and fire detection alarm.

Irvan   : well yeah good security in place you work.

Andi   : It is definitely, in my place of work give priority to service and international-standard security.

Irvan   : talk about your salary a month salary, how much?

Andi   : anyway just create monthly spending. If your salary how much a month?

Irvan   : should not be discussed, the most important may be sufficient for my family.

Andi   : you have a mind to make out of work?

Irvan   : No, because it is now looking for work have been difficult. do you want to get out of the place are you doing?

Andi   : no, haha

Irvan   : hahaa

Andi   : oh, you're in the position where you work what?

Irvan   : I as Housekeeping, if you are as what?

Andi   : I as Room Division.

Irvan   : No one just be Housekeeping. paramount can earn money for the family only and lawful in search of sustenance.

Andi   :  Suppose your position as as a Housekeeping what are you doing to be promoted?

Irvan   : If my actions to be promoted is working with disciplined and diligent. If you how?

If I discipline that's for sure, and persistent in working and one the most important we have to be honest in their work.Andi   : If I discipline that's for sure, and persistent in working and one the most important we have to be honest in their work.

Irvan   : the benefits of working in your place?

Andi   : I've been able to have a home, although it is still home loan. if you do what?

Irvan   : If I was able to send my kids to college level

Andi   : oh, so. see you tomorrow

Irvan   : ok, see you tomorrow, too

Andi   : ok, bye !

Irvan   : Bye !