Why do we need a disaster risk management?

First, a disaster do not know when it comes. Natural disasters are now happening more and more, ranging from earthquakes, tsunamis, floods, landslides, and others. On the other hand, the growing world population, resulting in the potential impact of the disaster also produced greater. Disaster risk management is essential thing to do for country which located in earthquake prone areas.

Second, large-scale disasters often cripple economic activity of a region. Buildings were destroyed, many lives and injuries stolen, damaged factories, businesses blocked and even total halt, thus disturbing the business performance to paralyze the economy.

Third, globalization is now making its risks are now global, not just local residents. Disaster experienced in some areas, also affect other areas as well. This not only applies to natural disasters, but also in the case of financial crisis, climate change, to terrorism. For example, if the business stops operating, the operation resulted from business partners are also affected.

Therefore, every business also should have a business continuity planning (BCP). BCP is a comprehensive plan designed to ensure business continuity in case of disaster stricken or other disturbance. BCP helps businesses to stay despite facing major events such as earthquakes, tsunamis, fires, floods, terrorism to pandemic; or more minor events such as the loss of key staff, supply chain problems and more.

Business leaders must both identify and measure the impact of an event for business, to further create a BCP. This plan covers not only the location / physical building, but also the process and the people in it. BCP is then must be communicated and trained with all employees, so when it does occur can be prepared and responsive. This plan is continuously evaluated, taking into account factors that might be a real happening.

The world realize the importance of BCP, especially after the terrorist events of 9 / 11 that resulted in many business activities paralyzed. In fact, more than half of businesses affected are now no longer in operation. One of the lessons learned from these events is the company must have a data center back-up remote from the main data center.

Merrill Lynch is one company that does the decentralized system of its information technology after the attacks of 9 / 11. The attack resulted in them losing two data centers. Now, their data centers located in Staten Island, while the back-up in New York.

Similarly, business continuity planning is essential in facing the uncertainty risk. With the business continuity planning, the disaster can be effectively addressed, and helping businesses survive and carry on its operations.

Many multinational companies implement workforce diversity policies, that is the policy to recruit and develop employees who come from social backgrounds and different cultures.

Benefits
Diversity policies may provide some benefits to the organization, among others:

First, because company upholds the ethics. The Company does not have a preference for people with a certain background, and did not support discrimination practice. In a global scale, stereotypes and discrimination are still a lot going on, especially for a certain people, such as women, skin color, the elderly, those particular physical look, and others. The people included in the assessment is often obtained only on first impression, not based on ability and character of the original.

Organization that consisting people with different backgrounds, can generate ideas that are more creative and innovative. This is the result of the wealth of ideas that emerged from these people. They may have a different perspective of looking at things, and this is a positive thing in solving a problem. Thus, the decision has been thought of many ways, and is the best.

Moreover, if your organization is a multinational, workforce diversity will greatly benefit. You can get insight from employees who have different backgrounds, giving you an understanding of various cultures, so as to obtain a picture of a business approach that suits for local.

Workforce diversity is believed to provide positive effects on the company. According to Robinson and Dechant (1997), studies of organizations that carry out workforce diversity found that lower levels of absenteeism, lower costs and lower employee turnover prosecution for discrimination. These problems can impose huge costs for the company. Thus, by promoting workforce diversity you actually helped `keep` bottom line.

According to reports made by the European Commission, workforce diversity can strengthen the value drivers in the long run, both assets tangible or intangible that allows companies to become more competitive, generate a stable cash flow, and satisfy shareholders. The existence of workforce diversity can strengthen the human and Organizational capital. Then, the odds can produce short and medium term to increase cash flow, for example with lower costs, overcome the shortage of human resources, opening new markets, and improve performance in the current market. The point is to increase ROI.

Challenges
This implementation must also experienced a number of challenges and obstacles, including:

First, that is communication. To make smoothly communication, so the constraints derived perceptions, culture, and language must be overcome. Perceptual differences, cultural and linguistic potential cause miscommunication, which can lead to disharmony, conflict, and demotivation.

Second, this application may be rejected by some who are not ready. Some may not be ready to accept diversity in the work environment. Therefore, it becomes a major challenge for leaders.

How a leader can manage a workforce diversity?

First, leaders must have the awareness to accept diversity, and allow employees to bring their diversity into the work environment.

Furthermore, leaders must be able to build awareness of this diversity to its employees. Leaders must emphasize the importance of appreciating diversity in the work environment, both in internal employees and associated with external parties. Development of this awareness should be done continuously, so that the `value` of workforce diversity becomes part of corporate culture. Without command, the employee was implemented in everyday life.

With mutual respect, then this course to build a positive energy in the work environment. Each person feels that he or she is a valuable individual.

The importance of Feasibility Study
Feasibility study is needed by many people, especially for investors as the initiator, the bank as lender, and also government as a provider of law and order legislation. Surely the interests of all different from each other. Investor interest in order to know the level of investment profits, bank’s interest to know the security level of credit provided and facilitation of return, government emphasize the benefits of these investments for macro economy, equal employment opportunities, etc. Given that future conditions will come filled with uncertainty, it would require certain considerations.

In the feasibility study there are many aspects that must be studied and researched it’s feasibility with purpose those study results are used to decide whether or not the project or the eligible business is done or postponed or even canceled. This above to show that the feasibility study will involve a lot of teams from various experts in accordance with its or their respective aspects such as economists, law, psychologists, accountants, engineers and other technology.

And feasibility studies are usually classified into two parts based on the expected orientation by a company that is based on profit orientation, which is referred to studies that focus on economic profit, and (not on the orientation of social profit), which is the study meant that emphasize such a project can be executed and implemented without considering the value or economic benefit.

Analysis of Various Aspects are Required

1. Marketing Aspect Analysis
In the analysis of the marketing aspect there are some components that must be analyzed and examined, among them:
• Needs and wants of consumers;
• Market Segmentation
• Target;
• Value added;
• The product life;
• Market Structure
• Competition and competitors’ strategies

2. Production Aspect Analysis
Some element of production or operations aspects that must be analyzed include:
• Location operation
• Volume operations;
• Machinery and equipment;
• Raw materials and auxiliary materials;
• Labor force;
• Lay-out

3. Management aspects analysis
Several elements must be analyzed among other
• Ownership
• Organization
• Management Team
• Employees;

4. Financial aspects analysis
Components include the following:
• The need for funds;
• Source of funds;
• Projected balance sheet;
• Projected profit and loss;
• Projected cash flow

The true and accurate analysis to the aspects related in the preparation of this feasibility study is to determine a feasible project or not to run.
The feasibility study needs our thoroughness in preparing it, for example, just to set the business concepts necessary to run a comprehensive market research in order to formulate and return a proper risk.

Therefore, the preparation of a feasibility study can not be regarded as insignificant for the success of a business, so it an expert in the field and industry in accordance with the business to be done.

There are various forms of business that is currently busy on the Internet, among others:

1. Forex Trading
Online forex trading is a very promising job and have a huge income opportunity. Therefore investments through Forex OnlineTrading (FOT) to get a separate note, as have many advantages and an investment likely a lot of people today. A lot of forex investor only sit on front of computer to view the price movements of foreign currencies. They are  people with a new profession known as power traders, people who make daily forex transactions online.

2.Ebook Business
For those of you who has a hobby to write or make a useful article for others there is a good opportunity to create their own Ebook, if you want to create a more professional writings that could be in bundle in an Ebook, then these eBooks you can sell through internet. This is the most effective way for thinkers, and experts to sell their idea, knowledge and skills. then try to make e-book and sold them online. This business model is the most demanding.

3.Affiliates Program
Affiliate program is one of the best ways to get a large income.  Basically there are thousands of affiliate programs that are ready to be followed. A lot of Company joined in an affiliate marketing group, we can join the Group and Company to market The company’s online.

4.Autosurf Program
Autosurf program is a program on the Internet, where all members are required to make surfing the web. This means you will be paid according to percentage of your surfing. Expected to be more careful in choosing autosurf program, because many of autosurf program are scam.

5.MLM Business
Network marketing business or multilevel marketing online can be executed. This business very promising, especially internet users grow like now, just need cunning to choose a good MLM company, which backed up by large companies, so that your MLM business can survive and start growing.

6.Software Business
IT experts in the world, create a software that can be marketed to the public. Many software business in the form: Email Software, Software Submit Search Engine, AntiVirus Software, Education Software, etc.

7.Survey Business / Content Comments
Lots of business on the internet  offer opportunities to us, one of which is the Survey Job. The way of it works, we are asked to fill out a form of survey of several Big Companies was a market study, well then we get paid. Nominal amount of the payment depends on the company’s clincher. This form most devoted to the American people, Canadian or the UK, where place of Market from enacting Company survey.

And many more of  Online Internet business types that is bustling and generate your income, Please try and see about  the result.

To achieve this level, then you first have to focus on two things, namely service and satisfaction. One thing leads to another. One thing happens on the one hand, it will affect the other side. The three interrelated with each other.

Each business provides a service to customers. This service provides a customer experience, which then determines customer satisfaction. How can customer can satisfied? This depends on the expectations.

Expectations formed from the value proposition of a brand. What value you offer? What is your promise to the customer? Value proposition to form customer perceptions and expectations of a brand.

Satisfaction is the result of a process of customer service. When a performance is less than expectations of service customers, it will be less satisfied or dissatisfied. When the service in accordance with expectations, the customer will be satisfied. Then when the service exceeds expectations, then  customer will be very satisfied.

Customer loyalty, was strongly influenced by customer satisfaction. However, customer satisfaction was not influenced by customer loyalty. Customer satisfaction is one of the key in building a customer loyalty.

How to build a customer loyalty? Customer loyalty should be built in the long run. Many factors that result in a customer loyalty, one of is a good customer service.

When customers buy a product, then he satisfied with the product, then he will experience customer satisfaction. But it does not immediately make them as loyal customer. Companies must be able to provide continuous service with the best in order to retain customers and their continued loyalty.

Generally, companies have specific programs in building customer loyalty. They keep trying to improve their value in the eyes of customers. This aims to see that the company’s customers have more value than competitors. So that customers will be loyal to the company.
Making loyalty programs is not enough. Companies also must always provide the best service to customers. Whether it’s in terms of products or handling complaints.

Good quality products is not enough for customers. Customers naturally want the best product and in accordance with their needs. Therefore, the situation with competitive market, companies must continue to ensure that they provide the best products and suitable for the customer. Companies should be observant in seeing the changing needs of customers, so that they can always provide the appropriate services.

Then, the company must also have good customer service and consistently. A good company received complaints from customers, understand the issues and listen well, and then solve customer problems. When complete customer problems, then they will have satisfaction.

As already noted, to build loyalty is a long-term process. Therefore, need consistency in product quality, customer service and customer satisfaction to achieve it. This is the company’s current challenges.

The best way to retain customers and gain loyalty from them is to concentrate on their needs and desires. Companies must be able to differentiate in its bid, which is not present in other competitors. In addition, customer loyalty programs must also be appropriate if you want give influence.

Here are some techniques and strategies steps that can help in keeping customers (customer retention):

1.  Corporate Culture
Corporate culture must demonstrate service to the customer. Companies put the customer at the first level above the other.
An example is the corporate culture at the airline, where flight attendants and entire crew had to serve customers with the best start of the takeoff to arrive at the destination.

2. Differentiation.
You should be able to offer something different than your competitors. If you are not able to offer something unique, then the customer will be difficult to distinguish your competitors. You may not have considered the added value compared to them.

3. Data.
Companies spend a lot of money for software to manage customer, but often the data is misused. Therefore, you should use these data appropriately. Apply appropriate techniques, the data will be helpful in your program.

4. Community.
To strengthen relationships with customers, then you can form a community from a collection of your customers. Even the CEO is also ideally come involved in the community. That way, it will be a close relationship with customers will be increasingly intertwined.

This community has now become a common practice in world marketing. Community, is a group of people who are users of products and services, gather and socialize. Community can be one powerful marketing tool in maintaining customer loyalty if utilized optimally.

5. Internal Control.
Service to customers is an internal function. Each employee should be treated equally. If employees feel treated badly, then they will apply the same to the customer. Make sure that employees understand the industry, competition trends, and customer data. Employees who have confidence in the role that brought, it will become more productive.

6.Hold complaint.
In a related business and service customers, then there will always be complaints. Among these complaints, the complaint must have a valid number. Therefore, you must make time for this issue to analyze and resolve the issue.

7. Put yourself as a consumer
As CEO of the company, then you too are consumers. If you are a consumer, then think about what issues are important to you? Putting yourself as a consumer makes at least you can learn how they think. This could be the key to success in understanding the customer.

According to David G. Thompson as reported by BusinessWeek, the company that controls 7 Essentials management, build a practice common growth that not done by other companies which low-growth or trying to survive. A glimpse of the 7 Essentials:

Essential 1: Breakthrough in the value proposition
The first element of the company is always focused to provide significant value to customers, primarily due to changing economic conditions lead to the customer may have needs and desires are different.In order to create a superior value proposition, the company listened to their best customers, and then perform actions that create exceptional value and the differentiation for the company.

Essential 2: Take advantage of the market segment of high-growth
The company should be able to use this opportunity. Most of the segments may still stagnant, it’s just that the company can identify market segments that can provide the best opportunities. Next, learn insights from your new customers, in order to create significant value for them.

Essential 3: Recruit marquee customers
To create superior growth, you need customers who are not regular, such as marquee customers. What’s marquee customer? They are people you can rely on to get feedback and help in the creation of value proposition. Marquee customers also advocate for your brand, where they are actively selling to the people around them, also to proactively disseminate the positive experience with the brand. You should be able to create strategies that can develop your best customers to become a marquee customer. Has a number of marquee customers means the same as cutting the sales cycle, and reduce the cost of sales & marketing.

Essential 4: Take advantage of alliances with the `big brother ‘to enter new markets.
Big companies can not develop their products or services, while small firms is difficult to enter new markets. If the two join forces, then the impact will be better than if they walked separately. How you will build alliances that can create the relationship of win-win? So how you can take advantage of optimal alliance in entering new markets?

Essential 5: Exceptional Return
Companies with high-growth, usually characterized by a positive cash flow, and provide a high return on capital, and long-term debt with a small number even exist at all. To achieve this high return companies should be able to resolve important issues related to the balance between profitability to reinvest for growth, such as the use of long-term debt, how to reach profitability, so the decision of making process.

6 Essential: Inside-Outside Leadership
This is the leadership that combine one leader (team) who face external parties, such as markets, customers, alliances and also people, while other leader (team) handle internal operations.Thus, any management structure should take advantage of this concept, where one focuses on internal and external options. Talents that are in management complement each other. Thus, companies do not miss the important things that happened in the internal and external, everything is handled properly.

Essential 7: Complete the BOD with the Expert
BOD is dominated by investors and management usually the companies that survive in the long run. Make sure that BOD mostly are investors and management, both concerning growth well. Also complete BOD with new members that provide new insights and share experiences, to create a higher growth. Then think about how you can use the strategy advice from various parties, ranging from customers, alliance partners, to other executives.

Conducting Criminal Background Checks for someone is not complex and difficult with the help of internet like nowadays. It can be done easily and also not expensive. You can get the data and the answers you need in accordance at price you’ll love. Very easy and flexible to doing this. You only need to enter some information needed to launch one’s criminal background who becomes your target. The process are quick, easy and give the answer you need.

All you need to know about personal criminal background can be done instantly. Simply enter first name, last name, or date of birth for them. Once you put all data into a search form, you can have access to see a summary of their criminal record.

Criminal Checks performed to showing felonies, misdemeanors, sex offenses and more at the state and county levels. Everyone from all stratum, among others employers, parents, and investigators can keep themselves to still informed and safe by rely use this service.

There are many reasons why you want to know and check someone’s criminal background. One reason for example to find out whether people around you are not been convicted for a crime. You also certainly do not want to live in a community of strangers who really proven criminals. Another reason is to help ensure a safe workplace. This is very typical for business owners to conduct research on the criminal background of applicants or employees. check  criminal background online is the easiest way and wise to check the credibility of a person from criminal instinct.

How a leaders can create an innovation culture?
First of all, the company must be able to appreciate the creativity. Creativity enables innovation ideas to flow properly. Google for instance, which give frees for the employees to work on innovative projects that fit with their own making. In addition, the comfortable atmosphere of Googleplex also allows creativity to flow freely.

Second, implement an open communication, where employees can express their ideas and opinions openly. Must be a minimum of bureaucracy, so communication can be created without a hitch.

Third, companies should also have a good collaboration between departments. With a combination of perspectives among various departments, the idea of innovation will be created better.

Fourth, an innovation culture can only be created if there is commitment from the leaders. Leaders must develop the skills that necessary for innovation, both for her/him self and employees in the company.

Skills that needed to create an innovation culture:
Inside research conducted to help find the skill, what important skill that must owned by an innovator and entrepreneur or business person? here the answer:
1) Associating.
An innovator can combine the points that are separate information later became an innovative idea. An example is Steve Jobs who have an interest in calligraphy, so then the company can create a Mac which user-friendly and graphics-based.

2) Observing
An innovator have habit to observe intensive something. They do a strict observation of the surroundings, so that they can develop innovative products and provide appropriate solutions.

3) Experimenting
Innovators are always doing experiments. For them, the experiment is a challenge that must be conquered. They’re not going to stop before the experiment give meaningful results. Jeff Bezos, for example, the first idea of his business is to sell books via Internet without having inventory. However, after experimenting several times and then finally they build the capacity of the warehouse that full of books.

4) Questioning
Everyone can do observation, but without any question, then  observation is a less powerful, because the information obtained must be limited. The innovator is a person who always has a sense of curiosity and critical.

5) Networking
Innovators tend to socialize with different kinds of people. So, by knowing and relationships with them, then can discuss the ideas that previously might not occur.

Full Uncertainty Condition
The global crisis is a situation full of uncertainty, because no can predict with certainty about what is happening in the future. Companies that still exists today is not a guarantee can keep going concern or to continue to exist.

Chaotic in the financial sector, also spread to the real sector, where business was also hit as demand dropped, along with consumers who cut their spending. According to McKinsey’s global research in November 2008, 55% of respondents admitted that the sales company is the most difficult variables predicted, far more difficult than the other 30% who thought that the most difficult customer preferences predicted.

Effective action
Addressing the crisis management of this uncertainty, the business leaders face increasingly difficult challenges, especially in terms of acting effectively. Whatever you need to do business in order to survive and even win in the middle of a crisis?

According to the latest global survey by McKinsey, less than half of respondents who believe that effective business leaders for the challenges of the global crisis. There are nearly balanced by the assumed effective, but more are thought to be ineffective. That is, some business leaders have not been able to act effectively and meet the challenges of crisis well.

By answering the challenge of the crisis well, then at least a business should focus on the things the following:

Developing a New Strategy
The crisis is now no longer makes the same conditions as before, so that business clearly needs a new strategy that is more relevant. In addition, businesses also need to find a gap in the possibility of new opportunities that allow businesses to further expand again.

An example is Amazon, which is in the midst of crisis and scurrilous,  powerful retail industry precisely because of their strategy to put a competitive price on the products in demand, diversification of selling electronics and other merchandise, and the Amazon Prime membership offers economical delivery packages for a year .

Restructuring
The global crisis that hit so hard cornering is not impossible that a business needs to restructure. Restructuring of an effort to re-organize and structure the company so could return get a profit. Examples of companies are now implementing the restructuring was The Big Three, three automotive companies in the U.S., namely GM, Ford and Chrysler are struggling to improve the company’s because of crisis. GM and Chrysler, even need to restructure a grant from the U.S. government.

Talent Management
Talent management is something that should not be forgotten even in conditions of crisis. The crisis has the potential to lower employee morale and productivity, so that the business should run positive efforts to preserve the employee, such as rewards and recognition as appropriate. And need in mind, companies that do not do layoffs of employees would have the potential to generate greater employee engagement. Through the good talent management, employees are expected to provide good service to customers as well.

Scenario Planning
As I stated earlier, the uncertainty of global economic conditions become a challenge for business leaders. However, in the midst of uncertainty, the leader needs to make decisions. Therefore, the scenario planning is needed to measure the risks of what might happen in the future, so that when the event does occur, it can be taken the right decision.

For example, what if a competitor cut the price to extreme, which potentially lead to market share eroded? Meanwhile, if you take price cut, it will hurt your own business? Such situations should be considered so that later it can result in effective decisions.

So are the steps that need to be done by a leader in the business challenges in the midst of a crisis. With a focus on strengths and opportunities as well as strong leadership milestone, the business will survive and win even though the economy is in crisis.