Job design bertujuan meningkatkan produktivitas dengan memperluas atau memfokuskan deskripsi pekerjaan. Tekniknya meliputi job rotation, job enlargement, dan job enrichment untuk meningkatkan keterampilan dan tanggung jawab pekerja. Brainstorming digunakan untuk mengumpulkan ide kreatif secara kelompok dengan prosedur tertentu. Diagram tulang ikan membantu mengidentifikasi penyebab masalah hingga akar permasalahan untuk menemukan sol
Ringkasan dokumen tersebut adalah:
Biro Wisata Pulau Macan merencanakan layanan wisata dengan menerapkan konsep Product Service System dan modularitas untuk memenuhi kebutuhan pelanggan secara individual. Biro ini juga menerapkan Customer Relationship Management dan service blueprint untuk meningkatkan kualitas layanan.
The document summarizes Colonial Voluntary Benefits' products and opportunities for career producers. It outlines the growing market for voluntary insurance benefits, Colonial's product offerings, compensation structure including commissions and bonuses, and career path opportunities. Producers can earn over $96,000 in their first year opening cases and receive ongoing commissions from renewals. The timing is right given many employers' interest in introducing new voluntary benefits.
Dokumen tersebut membahas tentang pengertian dan ruang lingkup harga jasa, faktor-faktor yang mempengaruhi penetapan harga jasa, dan berbagai strategi penetapan harga jasa seperti berdasarkan biaya, persaingan, dan permintaan serta strategi pemaketan harga.
Job design bertujuan meningkatkan produktivitas dengan memperluas atau memfokuskan deskripsi pekerjaan. Tekniknya meliputi job rotation, job enlargement, dan job enrichment untuk meningkatkan keterampilan dan tanggung jawab pekerja. Brainstorming digunakan untuk mengumpulkan ide kreatif secara kelompok dengan prosedur tertentu. Diagram tulang ikan membantu mengidentifikasi penyebab masalah hingga akar permasalahan untuk menemukan sol
Ringkasan dokumen tersebut adalah:
Biro Wisata Pulau Macan merencanakan layanan wisata dengan menerapkan konsep Product Service System dan modularitas untuk memenuhi kebutuhan pelanggan secara individual. Biro ini juga menerapkan Customer Relationship Management dan service blueprint untuk meningkatkan kualitas layanan.
The document summarizes Colonial Voluntary Benefits' products and opportunities for career producers. It outlines the growing market for voluntary insurance benefits, Colonial's product offerings, compensation structure including commissions and bonuses, and career path opportunities. Producers can earn over $96,000 in their first year opening cases and receive ongoing commissions from renewals. The timing is right given many employers' interest in introducing new voluntary benefits.
Dokumen tersebut membahas tentang pengertian dan ruang lingkup harga jasa, faktor-faktor yang mempengaruhi penetapan harga jasa, dan berbagai strategi penetapan harga jasa seperti berdasarkan biaya, persaingan, dan permintaan serta strategi pemaketan harga.
Dokumen tersebut memberikan ringkasan singkat tentang analisis laporan keuangan, termasuk analisis dana, arus kas, dan perencanaan keuangan. Dibahas mengenai pengertian dana, laporan arus dana, analisis laporan arus kas, perkiraan arus kas, dan memprakirakan laporan keuangan.
Investasi obligasi dapat diklasifikasikan sebagai held to maturity, available for sale, dan trading berdasarkan IFRS lama. Berdasarkan IFRS baru, diklasifikasikan sebagai held for collection dan trading. Perlakuan akuntansinya berbeda untuk setiap klasifikasi.
Langkah Pengembangan Potensi Karyawan _Training "PERFORMANCE MANAGEMENT".Kanaidi ken
Dokumen tersebut membahas mengenai pengembangan potensi karyawan perusahaan. Beberapa metode pengembangan yang disebutkan antara lain pelatihan, magang, pendidikan, rotasi kerja, studi banding, uji kompetensi, coaching, outbond. Tujuannya adalah meningkatkan kualitas dan produktivitas karyawan sehingga dapat bekerja secara efisien dan sesuai harapan perusahaan.
This is my presentation I do around the industry on sales compensation and commission. I have received such an overwhelming demand for it, I figured why not just share it with the world. Enjoy!!!
This document discusses discount rates and cash discounts in finance mathematics. It provides definitions and formulas for discount rates, simple discounts, and cash discounts. It includes an example calculation of discount on a 3-month bank loan with a 10% discount rate. Cash discounts are explained as price reductions given for early payment to encourage prompt settlement of accounts. An example cash discount terms of 2% if paid within 10 days or net 30 days is provided.
Annuity is a term that is familiar to most of us and that we have been now hearing for over 200 years. Annuities are nothing but products offered by insurance companies that allow you to save on taxes and derive benefit on retirement. These accumulated funds are later repaid to you either for a fixed term, say 5 to 10 year, or for the rest part of your life.
Annuities are quite similar to Collateral deposits. CDs are offered by banks, similarly, insurance companies offer different return schemes on your annuity investments.
What is the meaning of annuity?
For a layman, an annuity is nothing but a contract between two parties, a person, also called as the insured and an organization which is nothing but an insurance company. The insurance company agrees to pay the insured an agreed upon benefit either in the form of regular interval payments or in lump sum.
Who offers an Annuity?
Annuities are presented by Insurance companies. They reach customers by the way of licensed agents. But before you chose to invest with the insurance company, you should check their insurance licenses. State and federal laws and insurance commissions govern the reserve funds, also known as State Legal Reserve Pools.
How does an Annuity Scheme work?
Annuity is a contract. The insured makes a deposit with the insurance company either in a single go or through regular small installments. Depending upon the type of annuity you choose, the money deposited with the insurance company will earn fixed or variable return.
Different Types of Annuity:
• Single premium immediate annuity: The amount is paid in lump sum and the benefits are derived from the immediate next month onwards.
• Single premium deferred annuity: Again, the amount is paid in lump sum but the withdrawals can be made only after specified time limit
• Annual premium deferred annuity: The premium paid to the insurance company is either in form of quarterly, or monthly or bi-annual or annual installments. Withdrawals are deferred to a later date.
• Variable annuity: This is more of a combination annuity scheme where you can chose either to pay a lump sum amount or in installments. You can choose the investment vehicle as well. Thus, the growth of your fund depends on vehicle chosen.
Thus, depending upon the scheme chosen by you, the amount deposited by you grows. At a time elected by you, the insurance company will start disbursing your deposits from your annuity account.
You also have a choice of withdrawing funds in lump sum after a certain time elapses.
Benefits associated with Annuities:
• Tax Deferral: The money invested in an annuity scheme stays tax free and grows tax free till the time you withdraw it. The age set for withdrawals is 59.5 years. Any funds withdrawn prior to this age bear an annual penalty charge of 10%.
• The insured gets a secured guaranteed return for the rest of life, especially post retirement
Thus, annuity offers you a medium of saving, ensuring avoiding probate for your heirs, safety of funds and much more.
Dokumen tersebut membahas tentang manajemen strategi, yang didefinisikan sebagai seni dan ilmu untuk merumuskan, melaksanakan, dan mengevaluasi keputusan lintas-fungsi agar organisasi dapat mencapai tujuannya. Dokumen ini juga menjelaskan tahapan proses manajemen strategi serta aktivitas yang terkait.
Dokumen tersebut membahas tentang peramalan jualan, yaitu proses memperkirakan produk yang akan dijual pada masa depan dengan mempelajari data historis. Terdapat berbagai metode peramalan jualan seperti metode kualitatif dan kuantitatif yang masing-masing memiliki kelebihan dan kekurangan."
Saham
Merupakan tanda kepemilikan di suatu perusahaan yang sahamnya kita beli di bursa. Ada 2 macam saham, yaitu saham biasa dan saham preferen
A. Saham biasa
Karakteristik saham biasa
Hak klaim terakhir atas aktiva perusahaan jika perusahaan dilikuidasi
Hak suara proporsional pada pemilihan direksi serta keputusan lain yang ditetapkan pada rapat umum pemegang saham
Dividen, jika perusahaan memperoleh laba dan disetujui di dalam RUPS
Hak memesan efek terlebih dahulu sebelum efek tersebut ditawarkan kepada masyarakat
Tidak ada jatuh tempo
“Blasteran” antara saham biasa dan obligasi
Memiliki sifat saham, misal tidak ada waktu jatuh tempo dan memiliki dividen
Sifat obligasi, misalnya dividen yang diberikan tetap (persentase dari nilai nominalnya)
Karakteristik saham Preferen
Pembayaran dividen dalam jumlah yang tetap
Hak klaim lebih dahulu dibandingkan saham biasa jika perusahaan dilikuidasi
Dapat dikonversikan menjadi saham biasa
Bila pada tahun tertentu dividen saham preferen tidak terbayar, ia akan diakumulasikan pada pembayaran dividen tahun mendatang
Indeks Saham
Merupakan angka yang menunjukkan berapa besar perubahan harga dari harga sebelumnya
Harian: perubahan harga hari ini dibanding hari kemarin,
Bulanan: perubahan bulan ini dibanding bulan sebelumnya
Periode waktu lainnya sesuai keinginan
Indeks Saham (2)
Untuk memberikan informasi yang lebih lengkap tentang perkembangan bursa kepada publik, BEI menyebarkan data pergerakan harga saham melalui media cetak dan elektronik. Satu indikator pergerakan harga saham tersebut adalah indeks harga saham. Saat ini, BEI mempunyai tujuh macam indeks saham:
IHSG, menggunakan semua saham tercatat sebagai komponen kalkulasi indeks.
Indeks sektoral, menggunakan semua saham yang masuk dalam setiap sektor.
Indeks lq45, menggunakan 45 saham terpilih setelah melalui beberapa tahapan seleksi.
Indeks individual, yang merupakan indeks untuk masing-masing saham didasarkan harga dasar.
Jakarta islamic index, merupakan indeks perdagangan saham syariah.
Indeks papan utama dan papan pengembangan, indeks yang didasarkan pada kelompok saham yang tercatat di bei yaitu kelompok papan utama dan papan pengembangan.
Indeks kompas100, menggunakan 100 saham pilihan harian kompas
This document discusses service gaps and quality as measured by SERVQUAL. It defines a service gap as the difference between what a customer expects and what is delivered. Service quality is defined as a set of quality requirements across attributes like tangibles, reliability, responsiveness, assurance, and empathy. There are five potential gaps: not knowing customer expectations; having the wrong service standards; a service performance gap; promises not matching delivery; and expectations not matching experience. Reasons for the gaps include lack of marketing, communication issues, inadequate standards or control, and overpromising. SERVQUAL measures service quality across five dimensions based on customer expectations and actual experience.
This document discusses challenges in insurance distribution and various distribution channels. It notes that insurance is sold, not bought, and distributors play a key role in advising customers. Common developed market channels include agencies, brokers, bancassurance, and direct response. Challenges for insurers and distributors include building customer faith and credibility. Traditional agent-based distribution had drawbacks like lack of product knowledge. Emerging rural channels include banks, NGOs, post offices and internet kiosks. Success requires understanding customer needs and matching the right intermediaries with market segments.
Dokumen tersebut memberikan ringkasan singkat tentang analisis laporan keuangan, termasuk analisis dana, arus kas, dan perencanaan keuangan. Dibahas mengenai pengertian dana, laporan arus dana, analisis laporan arus kas, perkiraan arus kas, dan memprakirakan laporan keuangan.
Investasi obligasi dapat diklasifikasikan sebagai held to maturity, available for sale, dan trading berdasarkan IFRS lama. Berdasarkan IFRS baru, diklasifikasikan sebagai held for collection dan trading. Perlakuan akuntansinya berbeda untuk setiap klasifikasi.
Langkah Pengembangan Potensi Karyawan _Training "PERFORMANCE MANAGEMENT".Kanaidi ken
Dokumen tersebut membahas mengenai pengembangan potensi karyawan perusahaan. Beberapa metode pengembangan yang disebutkan antara lain pelatihan, magang, pendidikan, rotasi kerja, studi banding, uji kompetensi, coaching, outbond. Tujuannya adalah meningkatkan kualitas dan produktivitas karyawan sehingga dapat bekerja secara efisien dan sesuai harapan perusahaan.
This is my presentation I do around the industry on sales compensation and commission. I have received such an overwhelming demand for it, I figured why not just share it with the world. Enjoy!!!
This document discusses discount rates and cash discounts in finance mathematics. It provides definitions and formulas for discount rates, simple discounts, and cash discounts. It includes an example calculation of discount on a 3-month bank loan with a 10% discount rate. Cash discounts are explained as price reductions given for early payment to encourage prompt settlement of accounts. An example cash discount terms of 2% if paid within 10 days or net 30 days is provided.
Annuity is a term that is familiar to most of us and that we have been now hearing for over 200 years. Annuities are nothing but products offered by insurance companies that allow you to save on taxes and derive benefit on retirement. These accumulated funds are later repaid to you either for a fixed term, say 5 to 10 year, or for the rest part of your life.
Annuities are quite similar to Collateral deposits. CDs are offered by banks, similarly, insurance companies offer different return schemes on your annuity investments.
What is the meaning of annuity?
For a layman, an annuity is nothing but a contract between two parties, a person, also called as the insured and an organization which is nothing but an insurance company. The insurance company agrees to pay the insured an agreed upon benefit either in the form of regular interval payments or in lump sum.
Who offers an Annuity?
Annuities are presented by Insurance companies. They reach customers by the way of licensed agents. But before you chose to invest with the insurance company, you should check their insurance licenses. State and federal laws and insurance commissions govern the reserve funds, also known as State Legal Reserve Pools.
How does an Annuity Scheme work?
Annuity is a contract. The insured makes a deposit with the insurance company either in a single go or through regular small installments. Depending upon the type of annuity you choose, the money deposited with the insurance company will earn fixed or variable return.
Different Types of Annuity:
• Single premium immediate annuity: The amount is paid in lump sum and the benefits are derived from the immediate next month onwards.
• Single premium deferred annuity: Again, the amount is paid in lump sum but the withdrawals can be made only after specified time limit
• Annual premium deferred annuity: The premium paid to the insurance company is either in form of quarterly, or monthly or bi-annual or annual installments. Withdrawals are deferred to a later date.
• Variable annuity: This is more of a combination annuity scheme where you can chose either to pay a lump sum amount or in installments. You can choose the investment vehicle as well. Thus, the growth of your fund depends on vehicle chosen.
Thus, depending upon the scheme chosen by you, the amount deposited by you grows. At a time elected by you, the insurance company will start disbursing your deposits from your annuity account.
You also have a choice of withdrawing funds in lump sum after a certain time elapses.
Benefits associated with Annuities:
• Tax Deferral: The money invested in an annuity scheme stays tax free and grows tax free till the time you withdraw it. The age set for withdrawals is 59.5 years. Any funds withdrawn prior to this age bear an annual penalty charge of 10%.
• The insured gets a secured guaranteed return for the rest of life, especially post retirement
Thus, annuity offers you a medium of saving, ensuring avoiding probate for your heirs, safety of funds and much more.
Dokumen tersebut membahas tentang manajemen strategi, yang didefinisikan sebagai seni dan ilmu untuk merumuskan, melaksanakan, dan mengevaluasi keputusan lintas-fungsi agar organisasi dapat mencapai tujuannya. Dokumen ini juga menjelaskan tahapan proses manajemen strategi serta aktivitas yang terkait.
Dokumen tersebut membahas tentang peramalan jualan, yaitu proses memperkirakan produk yang akan dijual pada masa depan dengan mempelajari data historis. Terdapat berbagai metode peramalan jualan seperti metode kualitatif dan kuantitatif yang masing-masing memiliki kelebihan dan kekurangan."
Saham
Merupakan tanda kepemilikan di suatu perusahaan yang sahamnya kita beli di bursa. Ada 2 macam saham, yaitu saham biasa dan saham preferen
A. Saham biasa
Karakteristik saham biasa
Hak klaim terakhir atas aktiva perusahaan jika perusahaan dilikuidasi
Hak suara proporsional pada pemilihan direksi serta keputusan lain yang ditetapkan pada rapat umum pemegang saham
Dividen, jika perusahaan memperoleh laba dan disetujui di dalam RUPS
Hak memesan efek terlebih dahulu sebelum efek tersebut ditawarkan kepada masyarakat
Tidak ada jatuh tempo
“Blasteran” antara saham biasa dan obligasi
Memiliki sifat saham, misal tidak ada waktu jatuh tempo dan memiliki dividen
Sifat obligasi, misalnya dividen yang diberikan tetap (persentase dari nilai nominalnya)
Karakteristik saham Preferen
Pembayaran dividen dalam jumlah yang tetap
Hak klaim lebih dahulu dibandingkan saham biasa jika perusahaan dilikuidasi
Dapat dikonversikan menjadi saham biasa
Bila pada tahun tertentu dividen saham preferen tidak terbayar, ia akan diakumulasikan pada pembayaran dividen tahun mendatang
Indeks Saham
Merupakan angka yang menunjukkan berapa besar perubahan harga dari harga sebelumnya
Harian: perubahan harga hari ini dibanding hari kemarin,
Bulanan: perubahan bulan ini dibanding bulan sebelumnya
Periode waktu lainnya sesuai keinginan
Indeks Saham (2)
Untuk memberikan informasi yang lebih lengkap tentang perkembangan bursa kepada publik, BEI menyebarkan data pergerakan harga saham melalui media cetak dan elektronik. Satu indikator pergerakan harga saham tersebut adalah indeks harga saham. Saat ini, BEI mempunyai tujuh macam indeks saham:
IHSG, menggunakan semua saham tercatat sebagai komponen kalkulasi indeks.
Indeks sektoral, menggunakan semua saham yang masuk dalam setiap sektor.
Indeks lq45, menggunakan 45 saham terpilih setelah melalui beberapa tahapan seleksi.
Indeks individual, yang merupakan indeks untuk masing-masing saham didasarkan harga dasar.
Jakarta islamic index, merupakan indeks perdagangan saham syariah.
Indeks papan utama dan papan pengembangan, indeks yang didasarkan pada kelompok saham yang tercatat di bei yaitu kelompok papan utama dan papan pengembangan.
Indeks kompas100, menggunakan 100 saham pilihan harian kompas
This document discusses service gaps and quality as measured by SERVQUAL. It defines a service gap as the difference between what a customer expects and what is delivered. Service quality is defined as a set of quality requirements across attributes like tangibles, reliability, responsiveness, assurance, and empathy. There are five potential gaps: not knowing customer expectations; having the wrong service standards; a service performance gap; promises not matching delivery; and expectations not matching experience. Reasons for the gaps include lack of marketing, communication issues, inadequate standards or control, and overpromising. SERVQUAL measures service quality across five dimensions based on customer expectations and actual experience.
This document discusses challenges in insurance distribution and various distribution channels. It notes that insurance is sold, not bought, and distributors play a key role in advising customers. Common developed market channels include agencies, brokers, bancassurance, and direct response. Challenges for insurers and distributors include building customer faith and credibility. Traditional agent-based distribution had drawbacks like lack of product knowledge. Emerging rural channels include banks, NGOs, post offices and internet kiosks. Success requires understanding customer needs and matching the right intermediaries with market segments.
Variety of Distribution Channels for InsuranceHermith Mana
This document outlines various avenues for distributing insurance products, including agency networks, brokers, bancassurance, telemarketing and the internet. It also discusses cultural factors, infrastructure needs, regulatory roles, and priorities for customers like convenience and reliability. The ideal approach requires innovative products and distribution, strong execution, a clear roadmap, and customer-focused services.
This document defines and describes different types of insurance intermediaries according to IRDA act 1999, including brokers or agents who represent consumers and match their needs with suitable insurance products. It discusses insurance agents, brokers, bancassurance where banks sell insurance, and micro insurance agents. For agents, it covers eligibility, education, training, functions, rights, and termination. For brokers it discusses licensing and code of conduct regarding clients, sales practices, and more. It also provides details about bancassurance partnerships in India.
Insurance intermediaries serve as the critical link between insurance companies and consumers. They facilitate the placement and purchase of insurance and provide services to both insurers and policyholders. There are two main types of intermediaries - insurance agents, who represent insurers, and insurance brokers, who represent policyholders. Intermediaries advise consumers, present insurance options, and assist with placing coverage, claims management, and risk management. They are an essential part of insurance supervision and distribution.
The document provides an overview of the business model of insurance intermediaries, describing how brokers and agents function as intermediaries between clients and insurers, adding value through consulting, placement, and service activities. It discusses the value chain for brokers in consulting clients, placing insurance, and providing ongoing service, as well as how agents add value for insurers. The summary also examines how intermediaries can capture value and build lasting client relationships.
Multi Channel Distribution in Insurance - WhitepaperNIIT Technologies
This whitepaper explores the need to develop an effective multi-channel distribution strategy that meets customer demands and delivers differentiating customer experience. Apart from the conventional ways of marketing an insurance policy, which include brokers, agents, kiosks, work site marketing and direct marketing, insurance companies now explore new avenues of innovative and attractive range of distribution techniques that can be exploited to their advantage.
The document discusses physical distribution and distribution channels. It defines physical distribution as moving tangible products through distribution channels. Physical distribution management involves activities like order processing, inventory control, inventory location and warehousing, materials handling, and transportation. When designing marketing channels, marketers consider factors like setting distribution objectives, specifying distribution tasks, developing alternative channel structures, evaluating relevant variables, and selecting channel members. Channel structure dimensions include the number of levels, intensity at various levels, and types of intermediaries. Variables affecting channel structure are market variables, product variables, company variables, intermediary variables, and environmental/behavioral variables. The key is developing a channel structure that aligns with objectives and considers all relevant factors.
The document discusses the history and development of insurance in India. It provides definitions of insurance and describes different types of insurance like life, health, automobile, fire insurance. It summarizes the key players in the insurance sector including LIC, private insurers, and the regulatory body IRDA. It also outlines the products offered by LIC and investment policies of insurance companies.
The document discusses the Insurance Regulatory and Development Authority (IRDA) of India. It was established in 1999 by an act of Parliament to regulate and promote the insurance industry. The IRDA aims to protect policyholders' interests, ensure the growth of ethical insurance practices, and foster an orderly insurance market. It has the power to license insurers and other industry bodies, enforce conduct standards, and adjudicate disputes. The IRDA is headed by a 10-member board including a Chairperson and whole-time members appointed by the central government.
1. The document discusses the history and development of the insurance sector in India. It traces insurance in India back to 1818 and discusses key developments like nationalization of insurance in 1956 and privatization in 1999.
2. The roles, types (life, general, health etc.), and major players (both public and private) of insurance are described. It also compares the market share and business of public sector giant LIC versus private insurers.
3. Benefits of insurance planning and investment opportunities in insurance are highlighted. Laws and regulations governing the insurance sector in India are also briefly outlined.
Delivered at the International Microinsurance Conference 2014 in Mexico City (http://bit.ly/1rUzwBu) this presentation focuses on the need to understand the business compulsions and economics of the value chain members (Agents, MNOs and insurance companies) of mInsurance. It makes a case on existence of multiple mInsurance models and the business logic for each ... a comprehensive analysis of a complex subject.
Presentation: Distribution Channels for Life Insurance, A Global PerspectiveIntelligo Consulting
Presentation at the 2nd Annual Life Insurance Forum, Amsterdam, 9-10 April 2014
- Bancassurance as a major distribution channel for life insurance
- Consumer research: distribution of protection-related life insurance in Europe
- The global market for creditor / creditor life insurance
Promotional strategy in life insurance companiesDharmik
The document provides information about life insurance policies and HDFC Standard Life Insurance Company. It discusses that life insurance protects against financial uncertainties from death or illness. HDFC Standard Life offers a range of individual and group insurance solutions. It provides details about HDFC's strengths, vision, values, major competitors and product profile which includes term plans, investment plans, and pension plans.
This presentation gives an brief introduction about the growth of insurance sector in India. It also give description about the major players existing in the finance market of insurance.
The document provides an overview of the career of a life insurance agent. It discusses the importance of observing professional conduct and putting clients' needs first. It emphasizes creating positive outcomes for clients through life insurance, such as financial security, independence, and peace of mind. The document argues that being a life insurance agent allows one to do great good by helping families in difficult times, such as providing for widows and orphans. It presents the career as a meaningful way to serve others and one's community.
1-Insurance Marketing
AGENTS AND BROKERS
A successful sales force is the key to success in the financial services industry. Most insurance policies sold today are sold by agents and brokers.
Agents:An agent is someonewho legally represents the principal and has the authority to act on the principal’s behalf.
Brokers:A broker is someone who legally represents the insured even though he or she receives a commission from the insurer.
2-TYPES OF MARKETING SYSTEMS
Life Insurance Marketing
Distribution systems for the sale of life insurance have changed dramatically over time.
Major life insurance distribution systems:
Personal selling systems
Financial institution distribution systems
Direct response system
Other distribution systems
1-Personal Selling Systems:
2-Financial Institution Distribution Systems
3-Direct Response System
3-Property and Casualty Insurance Marketing
Independent agency system
Exclusive agency system
Direct writer
Direct response system
Multiple distribution systems
The Insurance Act of 1938 was the first legislation governing all forms of insurance in India and provided strict state control over the insurance business. It aimed to safeguard policyholder interests and establish norms for smoothly conducting the insurance business and minimizing disputes. Subsequent acts like the Insurance Regulatory and Development Authority Act of 1999 established regulatory authorities to further protect policyholders, regulate the industry, and ensure its orderly growth.
Dokumen tersebut membahas tentang pemanfaatan informasi kinerja untuk perbaikan kinerja. Terdapat tiga topik utama yaitu memperoleh perbaikan kinerja, benchmarking, dan perubahan proses manajemen melalui reengineering dan perbaikan berkelanjutan. Dokumen ini juga menjelaskan manfaat penggunaan data kinerja untuk mengidentifikasi peluang perbaikan, melakukan perbandingan kinerja, dan mereview kinerja secara berkala.
Dokumen tersebut membahas implementasi strategi perusahaan dengan melakukan analisis SWOT, rantai nilai, kartu skor berimbang, dan peta strategi. Strategi dilaksanakan dengan fokus pada kepemimpinan biaya atau diferensiasi dengan mengidentifikasi kekuatan, kelemahan, peluang dan ancaman serta meningkatkan nilai bagi pelanggan dan menurunkan biaya.
Konsep Pokok Aspek Pasar_dalam "PROJECT FEASIBILITY STUDY"Kanaidi ken
Analisis dokumen tersebut membahas tentang konsep pasar dan aspek-aspek penting yang perlu dianalisis sebelum memasuki suatu pasar, seperti karakteristik konsumen, permintaan, penawaran, harga, dan persaingan. Dokumen tersebut juga menjelaskan cara memperkirakan potensi pasar, termasuk contoh perhitungan, serta berbagai strategi pemasaran yang dapat diterapkan.
MP II BAB 15 - Merancang dan Mengelola Saluran Pemasaran TerintegrasiDayana Florencia
Dokumen tersebut membahas tentang merancang dan mengelola saluran pemasaran terintegrasi. Secara singkat, dokumen tersebut menjelaskan tentang konsep saluran pemasaran, jenis dan perkembangan saluran, integrasi saluran, manajemen keputusan saluran, konflik dan kerjasama saluran, serta praktik pemasaran e-commerce dan m-commerce.
Dokumen tersebut membahas tentang manajemen kualitas terpadu (total quality management/TQM) yang bertujuan untuk meningkatkan kinerja secara berkelanjutan melalui penggunaan sumber daya manusia dan modal yang tersedia. Dokumen ini juga menjelaskan berbagai konsep terkait TQM seperti pengukuran kualitas, benchmarking, balanced scorecard, six sigma, dan penerapan standar ISO."
Bab 12 membahas tentang saluran pemasaran dan logistik yang memberikan nilai kepada pelanggan, termasuk mitra rantai pasokan, desain saluran, manajemen saluran, dan manajemen logistik rantai pasokan."
Bahan ajar Desain Produk dan Jasa pada mata kuliah Manajemen Operasi yang membahas mengenai: Ilustrasi regal marine, Pemilihan Produk dan Jasa, Penciptaan Produk Baru, Pengembangan Produk, Peluncuran Desain Produk, Rangkaian Kesatuan, Pengembangan Produk, Dokumen yang dibutuhkan untuk Produksi, Penerapan Pohon Keputusan untuk Desain Produk, Transisi ke Produksi
Implementasi strategi manajemen bisnis meliputi Balanced Scorecard, analisis value chain, analisis SWOT, dan manajemen biaya. Balanced Scorecard mengukur kinerja keuangan dan nonkeuangan dari empat perspektif. Analisis value chain mengidentifikasi aktivitas nilai untuk mengurangi biaya atau menambah nilai. Analisis SWOT mengidentifikasi kekuatan, kelemahan, peluang, dan ancaman. Manajemen biaya mendukung pengembangan dan implementasi strategi bisnis.
Gas or Grouse Case Solution (Business Ethics)Ridwan Ichsan
The Bureau of Land Management imposed restrictions on gas drilling in the Pinedale Mesa region of Wyoming to protect wildlife species like sage grouse, but gas companies argued that increased drilling was important for energy supply and economic growth; however, drilling posed risks to wildlife through habitat loss and pollution, so regulators had to balance environmental and economic concerns in setting policies.
This document outlines 3M Canada's 2010 integrated marketing campaign proposal to support the Canadian Breast Cancer Foundation. The campaign, called "Do For The Cure", includes online contests like a musical video contest and dance contest to promote breast cancer awareness. It also includes in-person events like a screening tour, run for the cure race, and leveraging partnerships with TV shows like Glee. The goals are to drive sales of Post-it products, engage customers and employees, and maximize return through donation of proceeds to the foundation.
Dokumen tersebut membahas tentang sejarah, operasi, strategi, dan pencapaian McDonald's. McDonald's didirikan pada tahun 1948 dan mulai beroperasi secara luas pada tahun 1955. Perusahaan ini berfokus pada kepuasan pelanggan, anak-anak, dan ekspansi ke pasar baru melalui berbagai inovasi. McDonald's telah berkembang menjadi restoran cepat saji terbesar di dunia dengan lebih dari 36.000 gerai di lebih dari 100 neg
Underwriting Liability Insurance: an overviewRidwan Ichsan
The document provides an overview of factors to consider when underwriting liability insurance. These include details about the insured, their occupation, premises, custody of property, work away from premises, emissions, customers, processes, use of chemicals and hazardous substances, health and safety records, trade waste, manufacturing processes, source of materials, design work, products, purpose of products, safety considerations, complexity, packaging, and discontinued products. Secondary risks from number of people affected, reliance on the product, and how the end user utilizes the product are also important to assess.
Avn 102 waiver of subrogation endorsementRidwan Ichsan
This document is a waiver of subrogation endorsement that waives the insurer's rights to recover paid claims from a specified entity. The waiver does not affect the insurer's right to recover from that entity if it was the manufacturer or maintainer of the damaged aircraft. The endorsement is intended for use in aircraft insurance policies to waive subrogation against certain other entities involved in the aircraft.
An insured shall not deliberately conceal or provide false information regarding a claim. Doing so constitutes fraud and the insurers have the right to refuse payment of the claim. If false information is provided about the cause of loss or claimed amount, insurers can terminate cover, recover sums paid for losses since the event, and retain premiums paid. Any part of the clause conflicting with governing law is void.
This letter notifies the appointed broker that the insurance certificate for an aircraft engine has terminated the AVN 99 Continuing Liability Endorsement for the benefit of the contract parties. The designated contract party specifies that at a certain time and date, the insured party is no longer obligated to insure the interests of the contract parties as former financiers, lessors, or lease servicers of the equipment under the contracts. Consequently, the continuing liability insurance provided through the AVN 99 endorsement for the benefit of the contract parties was terminated as of that specified date and time.
1) This document is an endorsement to an aircraft finance/lease contract that provides continuing liability coverage for specified contract parties.
2) It adds the contract parties as additional insureds under the legal liability policy and makes the coverage primary without right of contribution from other insurers.
3) Coverage is provided from the effective date until the contract parties are no longer required to insure their interests, as long as notification is given within 30 days.
Avn 98 aviation products grounding and other aviation liabilities insuranceRidwan Ichsan
This document outlines various types of aviation insurance coverage provided across multiple sections, including:
1) Aviation products and grounding liability insurance that covers legal liability for bodily injury, property damage, or loss of use from defective aviation products or from grounding aircraft.
2) Working parties liability insurance that provides coverage for legal liability from occurrences involving working parties.
3) Aircraft third party and passenger liability insurance that insures against legal liability for bodily injury from aircraft accidents.
It provides coverage limits and exclusions for each section, as well as general policy information and conditions.
This document contains an arbitration clause that outlines procedures for resolving disputes between parties through arbitration. Key details include:
- Disputes will be resolved through arbitration according to the rules of [organization]
- Arbitration will take place in [location] and the language will be [language]
- Each party will appoint one arbitrator and the two appointed will appoint a third, or the parties can jointly appoint a sole arbitrator
This letter notifies the appointed broker that as of a specified date and time, the insurance provided by endorsement AVN 67C for an aircraft engine has terminated. The designated contract party is no longer obligated to insure the equipment under the contract. The letter requests that the broker provide a certificate applying continuing liability endorsement AVN 99 for the benefit of the contract parties, effective from the date and time of termination.
This document is an endorsement to an aircraft insurance policy to protect the interests of financing parties in the event of losses to insured equipment. Key points:
1. It ensures claims payments are made to financing parties in the event of a total loss or to repair parties for other claims.
2. Financing parties are included as additional insureds under the policy.
3. Coverage of financing parties cannot be invalidated by acts of other parties without their knowledge or consent.
Avn 67 c airline finance lease contract endorsementRidwan Ichsan
This document is an endorsement to an aircraft insurance policy to include additional parties. It provides that in the event of a total loss settlement, payment will be made to the contract parties. It also includes the contract parties as additional insureds under the policy and stipulates that their coverage cannot be invalidated by acts of other parties. The endorsement defines key terms used such as the equipment covered, effective date, and contract parties included.
AVN 52K was published in 2006 to restrict coverage for certain aviation risks to negotiated sub-limits that would apply across all covered aircraft. However, it also intended to provide option for full policy limits for losses on a single aircraft where devices were placed onboard or emergencies occurred in flight. AICG has realized AVN 52K could expose insurers to full limits across multiple aircraft in some cases, breaching the original principle. To resolve this, AICG has published a modified clause AVN 52R to remove any ambiguity.
Avn 52 r extended coverage endorsement aviation liabilities Ridwan Ichsan
1. This document extends coverage provided by an aviation insurance policy. It deletes certain exclusions from the original policy related to war, hijacking, and other risks.
2. It provides limits on the insurer's liability for different types of claims covered by the extended coverage. The liability is subject to sub-limits that are within the overall policy limit.
3. The extended coverage will terminate automatically in certain circumstances such as war between specified countries or requisition of an insured aircraft. The coverage may also be cancelled by the insurer or insured with 7 days notice.
Avn 52 p aviation manufacturers product liabilities endorsementRidwan Ichsan
This document outlines an endorsement to an aviation manufacturers' product liability policy. It provides coverage that overrides some exclusions in the existing war and hijacking exclusion clause, for legal liability arising from the insured's products. Coverage is limited to specific amounts and can terminate automatically depending on certain political events between major nations or detonation of nuclear weapons. The endorsement is part of the specified policy and subject to all its terms and conditions.
Avn 52 p a products endorsement for avn52 clausesRidwan Ichsan
This document provides an endorsement to amend coverage limits for products liability arising from the manufacture of aviation products. It increases the sub-limit for products hazards to [BLANK] per occurrence and in the annual aggregate for liability from manufacturing an aviation product. The overall aggregate limit for all endorsements cannot exceed [BLANK]. Manufacturing is defined as work from design to completion, excluding maintenance after delivery to the first customer.
Avn 52 l extended coverage endorsement aviation liabilitiesRidwan Ichsan
This document is an endorsement that extends aviation liability coverage. It allows for flexibility in selecting which exclusions from War, Hijacking and Other Perils are deleted by choosing operative paragraphs. Different sub-limits apply depending on the operative paragraphs selected. Coverage can be cancelled on 7 days notice by either party or 48 hours notice after certain hostile detonations. The endorsement is intended to offer flexible options for negotiating aviation insurance coverage.
MODERN!!! WA 0821 7001 0763 (ALUMINOS) Pintu Kaca Aluminium di Buleleng.pptxFORTRESS
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BUKU ADMINISTRASI GURU KELAS SD 2024 /2025Redis Manik
Buku administrasi guru kelas SD adalah serangkaian dokumen dan catatan yang digunakan oleh guru untuk mengelola kegiatan pembelajaran dan administrasi kelas secara efektif. Buku-buku ini membantu guru dalam merencanakan, melaksanakan, dan mengevaluasi proses pembelajaran serta memastikan kelancaran operasional kelas. Berikut adalah beberapa jenis buku administrasi yang umumnya digunakan oleh guru kelas SD:
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Buku administrasi ini membantu guru dalam menjalankan tugas dan tanggung jawabnya dengan lebih terorganisir dan efisien, serta memudahkan dalam pelaporan dan evaluasi kegiatan pembelajaran.
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