Brent Crude Oil Essay Example | Topics and Well Written Essays - 500 words

Brent Crude Oil - Essay Example There exist specific factors that cause this sharp decline in the oil price (Menton, 2015). The strength of the American dollar is a key driver for the steady decline of the oil prices. The current global market has been under tremendous competition with the United States dollar being a key determinant of majority of the things. With the strong US dollar, the average price and value of majority of the commodities fall. This has greatly affected crude oil, whose price has been constantly declining. With global prices of commodities quoted in reference to the dollar, the prices trend lower in the economic times where the dollar is strong (Menton, 2015). The U.S currency surge experienced in the second quarter of 2014 saw a culminated decline in major leading product and commodity indices. negative impact Of OPEC Oil output in the US due to oil prices registering low price sales by the end of the year would be another contributing factor. The marginal oil barrel output derived from unconventional sources like shale would be highly affected by the existing low global prices of crude oil. Drilling of oil wells has been on a steady decline based on the high costs incurred and the constant low prices registered in the global market making the industry unprofitable (Menton, 2015). There is a global oversupply of crude oil. The supply has exceeded the demand of the product with its 2015 oil production speculated at 9.35 M barrels per day. It also goes into history that the existing oil reserves and repositories increased to the highest numbers ever registered since 80 years ago. The commercial inventories of crude oil in the United States rose by a margin of 4.5M barrels compared to the registered levels of the previous week (Menton, 2015). The figures make it the highest level of crude oil inventories registered in the year 2015. The existing nuclear deal with Iran is viewed as a major element that soils the oil prices further down in the United

Movie comment Review Example | Topics and Well Written Essays - 500 words - 14

Comment - Movie Review Example As Robert Levin reviews, â€Å"La Mission is a quiet, authentic movie about life in the hardscrabble Mission District of San Francisco. It features a charismatic lead performance by Benjamin Bratt, while writer-director Peter Bratt depicts the neighborhood with a keenly observed sense of the close-knit macho culture at its core.† (Levin) Therefore, it is significant to realize that the drama film makes a perfect portrait of the old-world style milieu in order to present the interracial and other lifestyle issues in today’s urban environment. The major contribution to this effective handling of the social issues is made by the characters and themes of the movie. The characters in the movie such as Che Rivera, Jesse, Lena, Rene, and Smoke represent the various aspects of the interracial and lifestyle issues of the contemporary world. In fact, the story is narrated in the background of a father’s love for his son turning out to be his disgust for the son’s ga y relationships. However, themes such as interracial and lifestyle issues of the modern urban environment predominate the entire movie and the characters of the movie also contribute to the successful portrayal of these themes. In Emily Wilson’s interview with Benjamin and Peter Bratt the issues of Latino masculinity, power, community pride, and identity emerged and it is fundamental to realize that the filmmaker effectively merges these elements to produce a wonderful film of concurring themes. Thus, it becomes evident that the entire movie focuses on the life and social issues of the Mission and it remains as the merging force. â€Å"The brothers grew up in the neighborhood and have always wanted to make a film about the Mission, which they say had a big influence on them†¦ For Peter Bratt, movie making is about social justice, and in La Mission he wanted to explore the presence and acceptance of violence in our daily lives.† (Wilson) It is, therefore, essential to comprehend

Essay on theories and models of health promotion

Essay on theories and models of health promotion The word health came from the old English word for heal (hael) which means whole, indicating that health concerns the whole person and their integrity, soundness, or well-being (Crafter 1997). Health can be defined as a state of well-being, interpreted by the World Health Organisation as a state of complete physical, mental and social well-being, not merely the absence of disease or infirmity (WHO 1946). Health promotion (HP) is the process of enabling people to increase control over and to improve their health. HP is a positive concept emphasizing social and personal resources as well as physical capacities. WHO (1984) In this assignment I will discuss health, HP principles, changing peoples behaviour and attitudes and I will also apply the application of a HP strategy (Beatties model). Beattie (1991) identifies three areas, health persuasion, personal counselling and community development. It also incorporates the knowledge, attitudes and beliefs (KAB model) which helps to support Beaties theories. His model offers a structural analysis of HP approaches. This model involves advice and information that is evidence based, insuring that the correct information is available to the client so she can make an informed choice, as the Nursing and Midwifery council (NMC 2008) stipulates. The KAB model, when applied, concentrates on what makes a person want to change. Dahlgren and Whitehead (1991) discuss the layers of influence on health and its social and ecological theory. They also attempted to link the relationship between the individual, their environment and disease. Individual people are at the centre, with a set of fixed genes. Surrounding them are influences on health that can be changed or modified. The first layer is personal behaviour and ways of living that can promote or damage health. e.g. ones choice to drink alcohol. Individuals are often affected by friendship patterns and their communities. The next layer of Dahlgren and Whiteheads theory is social and community influences, which provide mutual support for members of the community in unfavourable conditions. But they can also provide no support or have a negative effect. The third layer includes structural factors such as housing, working conditions, access to services and provision of essential facilities. Festinger (1957) used the term cognitive dissonance to describe a persons mental state when new information is given. This prompts the person either to reject the new information (as unreliable or inappropriate) or to adapt attitudes and behaviour, which could fit with it. Bradshaws needs also plays a critical role in HP. The schedule of antenatal care is dominated by a medical model. When providing care, the needs of women must be heard and incorporated into their care. Bradshaws needs can be used by midwives and other professionals to identify womens needs in pregnancy. This can lead to the type of healthcare which is more likely to address the social determinants of health and improve health outcomes for pregnant women. Normative Need: As defined by an expert, to be a need that all require. Such as the advised number of antenatal visits. Felt Need: an individual or groups own personal need. Expressed Need: A felt need which turns into an expression for help Comparative need: Comparing the needs of different groups and finding a common occurance. Bradshaws concept has four different types of need: My HP strategy focuses on Bradshaws comparative need. To educate women of 30yrs+ to abstain from alcohol during pregnancy. This is evidence based on research showing the link between alcohol and FAS. HP is a key part of the midwifes role. However, the effectiveness of its practice is often not easily recognisable. The document, Saving Lives-our healthier nation, (DOH 1999), suggests that individuals are not solely responsible for their own ill health. Health professionals i.e. Midwife and the government all play an important part in working towards achieving health for all and reducing inequalities in health and health care provision. The report also states that Healthcare authorities and primary care groups have a responsibility towards public health. (DOH 1999) The Royal College of Midwives (RCM 2000) suggests that maternity care is not just a delivery service. Midwives make a major contribution to family well-being and the wider public health and its contribution is yet to reach its full potential. HP is often used to describe behaviour or actions, which directly or indirectly influence the health of others. This may include preventing ill health, maintaining positive health, raising public awareness of health issues, protecting the public from harm, educating people to make healthy lifestyle choices and reducing inequalities in health and provision of healthcare (Dunkley 2000). HP within midwifery, involves enhancing positive health and reducing the risk of ill health through education. For expectant mothers it is a time of immense psychological and physiological development. During this time the woman acquires a great deal of new and sometimes confusing information from family, friends, magazines and health professionals. Midwifes have a duty of care to inform women about health damaging behaviour where this may occur. They also have a duty to encourage discussion on such topics i.e. alcohol in pregnancy, nutrition and choices of feeding. Following articles written in the Guardian and Telegraph newspaper in February 2010 stating that the Department of Health advice is that women should not drink at all when trying to conceive or when pregnant, but if women do chose to drink they should not have more than one or two units once or twice a week and not drink enough to feel drunk is what inspired my decision to look at Alcohol in pregnancy for this HP. The National Institute on Alcohol and alcoholism (NIAA) clearly states that NO alcohol should be consumed in pregnancy. The Telegraph newspaper in January 2009 reported that OLeary (an Australian scientist) states Women who drink five small glasses of wine during the course of a week in the first three months of pregnancy increase their risk of a premature birth by 70 per cent, even if they stop later. Research from the Infant feeding survey 2005 shows that drinking alcohol socially when pregnant has a higher occurrence in women in the 30-35 year age range and above. The Royal College of Obstetricians and gynaecologists (RCOG) 29th June 2010 stating there is no evidence that a couple of units of alcohol once or twice a week will harm an unborn baby. These contradicting reports led me to research the need for a HP on alcohol consumption in pregnancy. Professor Phillip Steer of the RCOG believes that if women ate and drank a more healthy diet this would result in healthier babies thus a healthier nation. Another specialist, Dr Raja Mukherjee, consultant psychiatrist and expert in foetal alcohol syndrome, stated that if a wealthier woman who has previously consumed wine on a regular basis, continues into her pregnancy, she is in the high risk group. He reports that they are actually putting their babies at risk before they even know they are pregnant, in some cases. Mukherjee (NOFAS) also reported that one of the most severely affected children he has seen, was born after a wealthy woman continued to consume half a bottle of wine 2 to 3 times a week. In my HP plan I wanted to target women in the older age ranges. Using the media to publicise the damage caused by alcohol consumption in pregnancy. My idea constituted a run of billboard posters depicting babies being forced to consume alcohol as well as television advertising. The adverts would be hard hitting with a simple dont drink slogan. The campaign would be called the you drink, I drink campaign. The primary aim would be to stop women drinking alcohol in pregnancy. The secondary aim would be to at least educate and inform women of the concerns related to drinking alcohol. Both aims would hope to have an effect in reducing the cases of fetal alcohol syndrome, currently 1:100, (NOFAS 2010), caused by drinking alcohol in pregnancy. Models have been used in HP for some time, but can they be a part of midwifery? It could be claimed that the unique and individual situations of pregnancy and birth do not lend themselves to categorising women and their needs. Every woman and every pregnancy is different. Could it be possible to apply a standard package of professional care? If midwifery is viewed as a health-promoting activity, then it may be that HP models and approaches can enhance the way that midwives deliver care by developing an agreed research-based framework, which, rather than labelling women, standardize good practice (Crafter 1997). The NHS plan, (NHS 2000), which seeks to develop an NHS that is patient-centred and fit for the 21st. Century, suggests that the role of the midwife should be developed in public health and family well being. Whilst researching my strategy I found that the first reported association between maternal alcoholism and a characteristic pattern of cranio-facial, limb and cardiovascular defects in the offspring was published in The Lancet Saturday 9 June 1973. Since then the results of a large body of research have been published. This is clearly an indication that a new HP aimed at pregnant women is needed! In 1996 the RCOG published a guideline on alcohol consumption in pregnancy. They wrote that there was no conclusive evidence of effects in either growth or IQ at levels of consumption below 120 gms per week. Nonetheless, they recommended that women should be careful about alcohol consumption in pregnancy and limit this to no more than one standard drink (8 gms of alcohol) per day. This disagrees with the recommendations from NICE. Who state that if a woman does decide to drink alcohol, she should drink No more than one or two units, once or twice a week. It is clear that the consumption of alcohol during pregnancy cannot be deemed without risk, however, controversy continues as to whether there is any safe level which women should be advised not to exceed. According to The National Organisation on Fetal Alcohol Syndrome (NOFAS), the medical and scientific literature overwhelmingly supports the hypothesis that there are risks of alcohol related brain damage from drinking low to moderate amounts of alcohol during pregnancy.   Based on these findings, NOFAS position is that there is no safe time, no safe amount, and no safe alcohol during pregnancy. (NOFAS 2007) The obvious way forward is to re-educate women through HP. There are key drivers in health matters such as the National institute of clinical excellence (NICE) and the Acheson Report for the Department of Health, which was a report to contribute to the development of the Governments strategy for health and an agenda for action on inequalities in the longer term. The publication in February 1998 of the consultation paper Our Healthier Nation; a Contract for Health was an important landmark. It identified the need to improve the health of the worst off in society and to narrow the health gap as an overriding principle. (DOH 1998) The report took into account the main features of Our Healthier Nation as they affect inequalities. It discussed tackling inequalities in the settings of schools, the workplace and neighbourhoods. The section on the NHS included an element on the reduction of inequalities through local partnerships taking into account plans for Health Improvement Programmes and Health Action Zones. It also takes into account the changes outlined in the White Paper The New NHS: Modern and Dependable. Whilst developing my HP strategy I looked for current Local and National strategies. The key strategy is that of the National Organisation on Fetal Alcohol Syndrome (NOFAS). They offer an extensive service, including conferences, support group meetings, publications and in particular the Baby Bundle Project. The training for Midwives Project is an initiative of NOFAS-UK to provide useful and positive health information about the consumption of alcohol in pregnancy. Midwives play an important role and can help prevent FASD. Another key strategy is Drinkaware. Drinkaware aims to change the UKs drinking habits for the better. They promote responsible drinking and find innovative ways to challenge the national drinking culture to help reduce alcohol misuse and minimise alcohol-related harm. They are an independent, UK-wide charity, who are supported by voluntary donations from across the drinks industry to equip people with the knowledge they need to make decisions about how much they drink. Drinaware also helps tackle alcohol misuse. As well as working with other organisations and individuals across the UK to fulfil the educational, community and awareness campaigning function envisaged in the Governments Alcohol Harm Reduction Strategy. They also provide easily accessible, evidence-based information about alcohol and its effects, to employers, young people, teachers, parents and community workers, such as Midwives. They use a range of advertising mediums, such as film, multimedia and TV. Another National strategy is NICE. Their current recommendations on alcohol in pregnancy is that Pregnant women and women planning a pregnancy should be advised to avoid drinking alcohol in the first 3 months of pregnancy if possible, because it may be associated with an increased risk of miscarriage. But as previously discussed they also advise that women planning a pregnancy or in the first 3 months should not drink at all. The negative theory of this is that the government is presuming that all women will know what 8g of alcohol is, or 1.5 units. Should the government be advising women in a more user friendly way? The HP strategy advising women what they should or should not do will fail as not all women will know how much is too much. This creates a concerning risk. The government need to re-address the strategy to be usable by midwives and pregnant women alike. They should be re-thinking ways to educate women as to what a measure of alcohol is. Nice is also adding to the confusion in saying avoid alcohol then expressing that it can be drunk but in moderation. This sends a very confusing message to health promoters and pregnant women. According to NICE it is the responsibility of the midwife to educate their clients in the safe levels of alcohol consumption at their first meeting. At the expectant mothers first visit to the antenatal clinic the midwife should explain how the pregnant woman will be monitored with regular examinations and tests to ensure that the pregnancy is progressing normally. It should also be emphasised that the womans health inevitably influences that of the fetus and can have major impact on health in childhood and later life. Midwives need to advise their clients on what is safe. Would it be safer and clearer to advise all women, all of the time, not to drink alcohol at all? But the midwife would then not be offering the woman informed choice. It is the role of the midwife to offer lifestyle advice and to tell women of the implications of what alcohol consumption can do to a fetus. Then as Beatties model states, its the clients prerogative to choose what their actions are but it is the midwives role to try to encourage a change in previous unhealthy behaviour. During the development of my HP strategy i gained a peer review. (See appendix A). The positive feedback was tremendous. Confirming that I had correctly assessed the need for the target audience to be women aged 30-35 years+ and that a hard hitting advertising campaign was the right route to take. It highlighted the need to define which health models i would use and I decided on Beatties and KAB rather than Tannahill, which is another well know model. Although I did realise the need to decide on a primary and secondary aim for my promotion. The review also highlighted the need to be able to assess the success of this strategy. This would be easily measured by seeing a reduction in babies born with FAS. During antenatal care Midwives impart relevant information in a teaching way, but it is of no value if that teaching is facilitated in a lecturing style. Women wont learn if spoken at. It is not possible to provide an exhaustive coverage of pregnancy, labour, and the postnatal period during a set of 3/4 classes. A childbirth educator can boost her clients self esteem by valuing everyones comments and creating an atmosphere in which learning is a shared experience. The aim of childbirth education, therefore should be to help the women understand the importance (for their mental health) of getting the information they need, and to empower them to ask questions when and of whoever they want. It has been clearly demonstrated that a womans mental health after delivery has been closely linked to the amount of information she received during her labour (Oakley 1980). Health promoters are not always effective at providing information. Hillan (1992) suggests many women feel that there are a variety of ways during an antenatal class to empower women to ask questions of their caregivers. Women can be empowered by the attitude of their teacher. In Beattie (1991) Strategies for HP, he incorporates empowerment as an important aspect of his model to empower individuals to have the skills and confidence to take more control over their health. Analyses of empowerment shows there is a need to distinguish between self-empowerment and community empowerment. Self empowerment is used to describe HP strategies which are based on counselling and which use non-directive, client centred approaches aimed at increasing peoples control over their lives. Midwives frequently engage in client-centred work, as they are concerned with facilitating client autonomy. The client sets the agenda and the health professionals role is facilitating, guiding, supporting and empoweri ng the client to make informed choices (Dunkley 2000). Community empowerment is used to describe a way of working which increases peoples power to change their social reality. It is also a way of working which seeks to create active participating communities who are empowered and able to challenge and change the world about them. This approach helps people identify their own concerns and gain the skills and confidence to act upon them. It is unique as a bottom-up strategy and calls for the different skills from the health promoter (Kendall 1998). The midwife, becomes a facilitator whose role is to act as a catalyst. Carl Rogers has also developed the theory of facilitative learning. The basic premise of this theory is that learning will occur by the educator (in this case, the Midwife) acting as a facilitator, thus establishing an atmosphere in which learners feel comfortable to consider new ideas and are not threatened by external factors. When teaching adults we must be aware of their different learning styles. Adult learners are a very diverse group. Andragogy (the teaching and learning of adults) was first developed by Alexander Knapp in 1833. Then in 1984 Knowles used Knapps theory and expanded on it. Knowles emphasizes that adults are self-directed and expect to take responsibility for decisions. Adult learning programs must accommodate this fundamental aspect. Knowles himself changed his position on whether andragogy really applied only to adults and came to believe that pedagogy-andragogy represents a continuum ranging from teacher-directed to student-directed learning and that both approaches are appropriate with children and adults, depending on the situation. (Knowles 1984) Beattie offers a structural analysis of the HP approaches. He suggests that there are four paradigms for HP. These are generated from the dimensions of mode of intervention which ranges from authoritative (top-down and expert-led) to negotiated (bottom-up and valuing individual autonomy). Most HP work involving advice and information is determined and led by practitioners, or midwives in this case. The work and thoughts of Carl Rogers in the 1960s have been formative in understanding the importance of self-awareness and the experiential learning in helping individuals to understand and make decision. It is therefore important before commencing adult education to examine the structure of the model and look at whom it is aimed at. It is important when working within a team that certain values are shared and made explicit so that the carers can work towards the same goals and the recipients of care can be clear about the standards and outcomes to expect. Developing and working with unified models and approaches in health promotion and midwifery can therefore help midwives to communicate with each other more effectively and strengthen initiatives, which benefit everyone (Crafter 1997). The transition to parenthood is an emotional time for both the pregnant woman and her partner. The shift from marriage or partnership to the first pregnancy is a major transition point in a womens life. It is also the time that HP can have its biggest effect. Women are open to learning new things and hearing from many different sources about whats best for them during this time. A number of studies have suggested and therefore confirm this theory that the most difficult transition for couples to make is the birth of the first child (Cowan Cowan, 1992). All major transitions involve making changes and a period of disequilibrium. A professional career woman may find the whole process out of her control and be left reeling. Motherhood can significantly challenge a womans sense of identity, revealing a tension between personhood and parenthood. Antenatal classes, media, books etc all play a part in acclimatising the woman to her new role. Other outside influences are the social surroundings. Pregnant women from lower or working classes may not feel they have the same support as those from middle or upper class social areas. They may not reach out to areas of support, including what we consider basic antenatal care. Younger mothers may look at parenthood through rose tinted spectacles, imagining their baby will sleep through the night. While the more mature first time mother is more realistic in her outlook. This is where HP again plays an integral part in educating the woman through sources of media, care and through learning in the community. Expectations and theories have changed greatly over the last 40 years. Older mothers are more common as are teenage mothers. Teenage mothers in the 1960s were sent away to discreetly have their babies, now they are a common part of the community with different needs to that of the older mother. HP has to be aimed at all groups all of the time. It is up to the care giver to facilitate this information at the right level for each individual case. Good quality teaching, support and HPs received well, all contribute to the transition to parenthood, thus increasing the confidence of the new parent. After all, it is one of the most vulnerable times in their life. With successful antenatal learning in place this would then enhance the transition to parenthood and that of attachment. Bowlby (1969) devoted extensive research to the concept of attachment, describing it as a lasting psychological connectedness between human beings Proximity Maintenance The desire to be near the people we are attached to. Safe Haven Returning to the attachment figure for comfort and safety in the face of a fear or threat. Secure Base The attachment figure acts as a base of security from which the child can explore the surrounding environment. Separation Distress Anxiety that occurs in the absence of the attachment figure. Bowlby (1969)Bowlby believed that there are four distinguishing characteristics of attachment: These characteristics are learned as children and are what we use when moving from childhood to parenthood. Without a good base we cannot expect new parents to successfully proceed into parenthood without some re-education and the support of quality care givers. In conclusion, the RCM Vision 2000 describes the midwife as a public health practitioner. Midwives have always enhanced, facilitated and supported factors, which promote physical health, psychological, social and spiritual well being for the woman and her immediate family. Some of the key points that should be considered for the future of midwifery HP practice, is that it needs to be clearly defined, national and political recognition of the midwives contribution to public health should be improved and midwives should promote health within the socio-culteral and economic context of how individuals live their everyday lives (Dunkley 2000). Providing antenatal care to woman and fetus demonstrates a unique opportunity to enhance holistic health through advice, guidance, support and social networks where the woman can be offered further specialised care if needed. This assignment has discussed the concept of health and HP, the value of alcohol avoidance and briefly the effects on the pre gnant woman. Beatties and KAB model was used to show the importance that a supportive environment is created in which people can challenge ideas and question beliefs. Beatties model is adaptable and could be applied to many scenarios, the model shows a knowledge of awareness of adult education by provoking a deep understanding of processes and problem solving, and therefore the quality of teaching and the learning process. There are a number of ethical issues involved in parent education. Participants need to be listened to carefully and their questions answered truthfully, which gives a positive effect on the woman and leads to the skills and confidence to take more control over their health.

Jessica Rodriguez Essay -- English Literature:

The Romanticism in Wordsworth Romantic poetry has very distinct details which set it apart from previous poetry. William Wordsworth’s poem, â€Å"I Wandered Lonely As A Cloud,† is full of the Romantic characteristics which were so different during that time. The poem begins with the speaker â€Å"floating† along, as though he or she were a cloud, when he or she spots a â€Å"crowd/ †¦, of golden daffodils† (Wordsworth, 3,4). The speaker goes on to describe the daffodils and the lake that is beside them. The images of the daffodils return to mind during a difficult time , and cheers him up. It is important to note that the speaker is speaking in first person. As this is a commonly used technique in romantic poetry, it is easy to assume that the speaker is also the poet. One key characteristic that is shown in this poem is optimism. The poem begins on a melancholic note with the use of the word â€Å"Lonely,† but takes an uplifting spirit soon after. There is an optimistic feeling through the rest of the poem. By using the adjective â€Å"golden† to describe the daffodils, one is caused to think that the daffodils are shining or are bright. The speaker continues by describing them as â€Å"Fluttering and dancing in the breeze† (6) and moving in a â€Å"sprightly dance† (12). These adjectives allow one to see them as joyous and happy. In the next stanza, the speaker states that although the waves beside the daffodils are â€Å"dancing,† the daffodils â€Å"out-did the sparkling waves in glee† (14). The poem ends happily, with the speaker’s heart being uplifted by the remembrance of the daffodils. There is much personification used in this poem. The daffodils, on several occasions, are referred to in a human sense. They are described as... ...oud† (1) he, â€Å"dances with the daffodils† (24). His imagination allows him an escape from the society and political strife that he is forced to live in. Although he physically cannot escape the everyday contention in his life, no element of society can cleave to his imagination. This poem offers much in the way of Romantic elements. Through the Romantic characteristics that are employed in this poem, one is able to fully understand the time in which the speaker was living. One is also able to truly feel and understand what the speaker is trying to convey. The emotion, with which the poem was written, provides one with a desire to pursue one’s own imagination. The ability to do so, while including so many of the Romantic components, causes this poem to be pleasant and enjoyable to read. Works Cited Wordsworth, William. â€Å"I Wandered Lonely As A Cloud.†

Management of Pt.Asuransi Jiwasraya

INTI College Indonesia| Organization and Management| PT. Asuransi Jiwasraya| | Jessica Khou, Afifa Jindan, Jocelyn Halim| 3/8/2013| Mr. Jonny Wiguna Jl. Ir. H. Juanda No. 34, Jakarta Pusat 10120, Indonesia 8 March 2013 Dear Mr. Jonny Wiguna, Presented to the commissary of this organization, this is a managerial report for the period of 2012-2013. As requested in a meeting conducted on February 2013, this is a report of the managerial status of this organization as observed during the present year.This report consists of matters regarding the management theory used to conduct the business, the environment surrounding the organization and inside the organization itself, defining the structure of the organization's employees as well as their determined tasks as well as the regulation of activities in the organization. Also discussed in this report are the management strategies currently applied by the organization and what is observed to be motivating for the employees in the organizati on.Following all the observed and described matter, this report also includes several suggestions that, as the writer of this report believe, will be beneficial in terms of the optimization of performance of human capital and allocation of resources. ______________________ (Claire Afifa Halim) 8 March 2013 EXECUTIVE SUMMARY The report provides an analysis of the management of the PT. Asuransi Jiwasraya. It addresses the issues related to the current management system and provides an information of how the company is in relation to its environment.The report also consists of recommendation regarding the improvement of the current management system in order for the company to reach its current goal. Analysis is completed by observing the activities and achievements of the company in the latest years of its business. To find out the general management form of the company, identification of the theory that most resembles the current management system is conducted. As a result of the obs ervations, it can be summarized that the company has an overall supporting environment for its business.The model of management used closely resembles Max Weber’s management theory and therefore the company’s structure and jobs are clearly defined and allows the company to be developing in its professionalism. PT. Asuransi Jiwasraya has also applied good motivational   methods that allow it to create good relationships between the employees of the company. However, as observed by the writer of this report, the growth of the company is not at its maximum potential.Several factors that is found to be holding the company back are the lack of promotional effort, loss of flexibility (initiative) and personal motivation of the employees due to the current management system used, inability to utilize technology effectively, limitation of growth space because of the limitation of target market and the fact that the company has not yet responded to one of the major insurance need of Indonesian. Recommendations made for the company thus include: 1. To create a syariah based insurance service for the Muslim majority of Indonesians 2.Focus more on each individual employee to develop the quality of workforce 3. Use technology in its effort to market the product 4. Increase the budget allocated for promotion and increase the frequency of promotion such as through the use of billboard, magazines and online advertisements 5. Become more globalized to reach their long-term organizational goal of being recognized globally TABLE OF CONTENT 0. 1 Introductions†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 1 0. Company Backgrounds†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 2 0. 3 Management Theory†¦Ã¢â‚¬ ¦ †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 3 0. 4 Company Environment†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 4 0. 5 Organizational Structures†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 0. 6 Motivation†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 0. 7 Strategic Management†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ . 8 Conclusion and Recommendation†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦. 0. 9 List of References†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.. 0. 1   INTRODUCTION 1. 1 Authorization This report is made in order to give further feedback for the company called PT. Asuransi JIwasraya. 1. 2 Limitations Because we don’t have a chance to visi t 1. 3 Scope of Report This report will cover several detail points, such as management theory that been use by PT.Asuransi Jiwasraya, the company’s environment, it’s also show the organization structure inside PT. Asuransi JIwasraya with their job description, and we also going to explain about the motivation inside the company, and the strategic management process that have been use by the company, we also included our recommendation to increase the effectiveness and efficiency of company management system. 0. 2   COMPANY’S   BACKGROUND Pt. Asuransi Jiwasraya is a life insurance company that has been established since the year 1859. The motto of the company is â€Å"secure your life†.PT. Asuransi Jiwasraya's vision is to â€Å"become a trusted and preferred company to provide a solution for insurance needs and financial planning. â€Å"(http://www. jiwasraya. co. id/static. php? cat_id=1&id=8&lang=id) It focuses on providing life insurance for customer and helping customer make financial plans in accordance to the developing environment where making financial decisions become more challenging. The company is owned by the governments and is a trustworthy company that has been a preferred insurance provider by several big companies.Although it is already big itself, the company faces competition and is trying to become one of the five top insurance company in Indonesia and even tackles competition from the global market. To do this the company focus es on improving the effectiveness and the efficiency of the work by improving the quality of workforce, technology and by trying to reach segments that have not yet been reached previously. New products are always developed in order to meet the ever-changing needs of customers. PT.Asuransi Jiwasraya develops its professionalism in the business and has currently won several awards including a Superbrand award for the category of Consumer's Favorite Brand. Other than that it has also won a World Finance Award for the second time in the year of 2011. In all its business efforts, the organization builds good relationship with both the employees and the society in general through social activities. The company's subdisiaries include: PT. Stannia Binekajasa and Koperasi Karyawan Jiwasraya. 0. 3   MANAGEMENT THEORYThe management theory that have been used by PT. Asuransi Jiwasraya, as observed, can be identified as   Max Weber's theory of management. The management theory of Max Weber is made in the early year of 1900, this management theory are based on the theory of authority structures and relations is based on an ideal type of organization Weber called a (bureaucracy). The bureaucracy that Weber have make should have a division of labor, authority hierarchy, formal selection, formal rules and regulations, impersonality, and career orientation. The goal of weber making his scientific management theory is to make the work activities can be done in the large group. PT. Asuransi jiwasraya is a quite large group. Thus, it uses Weber management theory because allows this company running their business more effectively and more efficiently. PT. Asuransi Jiwasraya encourage workers   to work according to the procedure that the company has made, as evidently shown in the clear roles of several department that are specified in its website. The company has made a structure of work for individual departments so as to increase efficacy and efficiency and reduce redundan t effort on issues.Each worker can focus on the task assigned specially to them, so that the workers can work well to satisfy the customers' needs and wants. PT. Asuransi Jiwasraya can be said to have a division of labor as tasks are spread out among the workers. PT. Asuransi Jiwasraya also have a formal selection in selecting people to work in their company, they selected the people based on their technical qualifications. This is because PT. Asuransi Jiwasraya want their workers to be professionals in their scope of work and have the integrity and competence in all the work especially in the field of insurance and financial planning.PT. Asuransi Jiwasraya also have   formal rules and regulation, they have the   standard operating procedure that is clear to all the unit of work, all the workers also have to provisions a minimum level of health of the company (RBC), and all the workers have to listen to the customers, identify, meet and even exceed the customers’ needs as well as anticipating the customers' needs in the future. The workers are also expected to adjust according to the customer’s expectations. PT.Asuransi Jiwasraya also have career orientations where managers are career professionals not owners of units that they manage, sot   in this company the managers make sure that the workers work well to satisfy the customers' needs and wants but the managers is not the owners of what they manage. In PT. Asuransi Jiwasraya the owners are the shareholders. So because of that PT Asuransi Jiwasraya are using the management theory’s of Max Weber because PT. Asuransi Jiwasraya has fulfilled the bureaucracy of Max Weber. The Max Weber's theory is favorable to the company because it allows the company to focus its effort on its clear formal goals.Government's company are also prone to be said as full of corruption, collusion and nepotism; Max Weber's theory of management as a model used by PT. Asuransi Jiwasraya can reduce the chance o f the issues as employees are appointed based on their performance and competence instead of their favorability among the workers. 0. 4   COMPANY’S ENVIRONMENT Environment are divided into two:   micro and macro. According to businessdictionary. com, micro environment is defined as â€Å"factors or elements in an organization's immediate area of operations that affect its performance and decision-making freedom† (http://www. usinessdictionary. com/definition/microenvironment. html) micro enviroment consist of   customers, suppliers, competitors, and pressure groups. 1. Customer. PT . Asuransi Jiwasraya is customer’s oriented there for customer’s are of   significantly   high  importance  to the company. Thus, all the products develop by Jiwasraya is base on specific segmentation of its customer’s the products that are available until now are tailored to meet the needs of these groups of customers: a. Averse investor (example product: JS Plan Dollar) b.Adult with children (example product: Dana Multiproteksi Plus c. People in general (example: Asuransi Kecelakaan Diri) d. Organizations(example porduct: Asuransi Kesehatan) e. Old people (example porduct: Jaminan Hari Tua f. Students (example porduct:JS Prestasi) g. Workers (example porduct: Dana Fleksibel) 2. Suppliers. Managers   must ensure that the daily requirement (supplies) that is needed by the company are sets in the lowest price, and the manager have to ensure that the suppliers delivers the needed inputs right on time.So the managers of PT. Asuransi Jiwasraya have to make sure that all the things that the company needs to keep the company running has been fulfilled by the suppliers, because suppliers not only have to cover up the equipment for the company, also provide the financial and labor inputs, so to keep the performance of PT. Asuransi Jiwasraya , the managers of PT. Asuransi jiwasraya   have to choose   the suppliers wisely, because supplie rs is one of the important things to keep the performance of the company. 3. Competitors.In all types of organizations, profit or non-profit have competitors, and managers cannot afford to ignore the competitors. PT. Asuransi Jiwasraya   also have many competitors, and they can’t change that, but they can avoid the competitors by giving better performance to the customers. Competitors can be a positive influence or a negative influence. A healthy competition encourages businesses to pursue the fulfillment of the needs of customers, thus increasing the quality of product and satisfy customers better.But if company is unable to keep up with the competition in the market by   utilizing all resources, then it may become a bad influence resulting in the fall of the organization as a whole. Example of PT. Asuransi Jiwasraya’s competitors include: PT. Asuransi Jiwa Manulife, PT. Prudential Life Assurance and PT. Asuransi Jiwa Sinarmas. 4. Pressure groups are groups of â⠂¬Å"Non-profit and usually voluntary organization whose members have a common cause for which they seek to influence political or corporate decision makers to achieve a declared objective.The managers must recognize the   special interest groups that attempt to influence the actions of organization. However, it does not seem that the company has any pressure group. The second environment is macro environment. According to businessdictionary. com Macro environment is define as â€Å"The major external and uncontrollable factors that influence an organization's decision making, and affect its performance and strategies† (www. businessdictionary. com/definition/macro-environment. html#ixzz2NSE44Kgp) macro environment consist of: 1. Economic conditions. http://www. worldbank. rg/en/country/indonesia/overview Indonesia continues to make a significant economic growth, in July 2012 the baseline outlooks for Indonesia is 6% and increase to 6,3% on the year of 2013, and because of t hat the country gross national income is rise from $2. 200 in the year of 2000 to $ 3. 200 in the year of 2009. So it also make a good impact for the financial management of PT. Asuransi Jiwasraya. 3. Political conditions http://asean. fta. govt. nz/indonesia-political-situation/ http://directaction. org. au/issue35/currents_undermining_indonesian_political_stability http://www. orbes. com/2009/07/17/indonesia-jakarta-economy-hotels-opinions-contributors-yudhoyono. html Indonesia has a quite stable political condition. Legal rules are established and internal conflicts have currently subsided. Indonesia has also improved in terms of its democracy as the dictatorship of Suharto was ended. Despite different political issues such as corruption and legal reformation, Indonesia was able to tackle difficulties in politics such as the bombing that happened last year. Due to this stability in political environment, companies in Indonesia including PT.Asuransi Jiwasraya enjoy predictable inf luence of law on their business. In other words, any loss derived from legal system fluctuation can be eliminated. The major political flaw of corruption in Indonesia however, does affect the business in a negative way, as it creates a negative perception of any government-related organization in the mind of its citizens. 4. Sociocultural conditions. Every customers have a changing attitudes and response. So managers must adapt their practices to changing expectation of the society, as this value, custom change so managers must also change. PT.Asuransi Jiwasraya is offering a program to make the customers feel secure in every aspect of their life, So the managers' job is to make a new innovation to make the customer more satisfy and feel more secure. So PT. Asuransi Jiwasraya can meet the changing expectations of the customers. In Indonesia, majority of the society is Muslim. This means that there is a need for the company to understand that services, especially a monetary service s uch as insurance has a differentiated regulations to the people of Indonesia, aside of the government regulation. The company should respond to this by giving an appropriately related service. . Technological conditions. The ever increasing complexity and power of technology also affects the organization. All companies in the current era have to be able to take advantage of technology development. This is because it can increase the value of work done. As a part of a society where technology is growing rapidly, PT. Asuransi Jiwasraya has adapted to the technology and utilizes some beneficial technology to help its processes. In the process of communication, for example, PT. Jiwasraya have always tried to apply the latest in communications technology complements the speed and accuracy of service.The technology is called the JL-Indo and V-SAT. Through Indo JL-policy printing process can be done at the branch where the policy issued, while the V-SAT is a communications technology that connects the entire office PT. Jiwasraya both Head Office, Regional Office or Branch Office into a single unit (on line). PT. Jiwasraya use this technology to support for having effective communication environment. Other than that, the company has also taken advantage of the limitless possibility of internet such as through the creation of website and the establishment of e-procurement system. . 0   Ã‚  COMPANY ORGANIZATIONAL STRUCTURES Managers and their job descriptions: Board of Comissioner: 1. Djonny Wiguna 2. M. Sapta Murti 3. Sumiyati 4. Sumyana Sukandar Comissioners are the government’s officials that are in charge of the company as a whole. Comissioners make company regulations and decides on policies regarding external factors of the company such as lands and environments. Comissioners also train and employs people for the managerial positions in the company. (http://www. mrsc. org/subjects/governance/responsibilities. aspx) Board of Directors: . President Director : Hendrisman Rahim The president director have a job to leading the implementation of the management company for the interests and objectives of the company, the president director also have to be the coordinator of all the other members of the Board of Directors in carrying out the duties and authority of the Board of Directors are set out in the Articles of Association, the president director have the responsibility to oversee the Secretariat Division and the Division of Internal Control Unit. 2. Director of Coverage: Hendrisman RahimThe director of coverage have a job to setting the culture of the company, director of coverage also have a job to developing strategy and direction for the company, director of coverage also have a job leading the executive/senior management of the company (including firing and hiring) . 3. Directors of Marketing: De Yong Adrian The marketing director is responsible for the entire operation of company’s marketing department, the director of ma rketing have the responsibility to make the company is known by the customer’s, the directors of marketing also supervises and coaches the company's marketing team. 4.Directors of Finance: Hary Prasetyo Finance Director has overall control and responsibility for all financial aspects of company strategy and is expected to analyse figures and implement recommendations based on these findings with the most profitable outcomes, the financial management often managing and leading a team through difficult periods including month end, year end and annual budgeting, a Finance Director would have excellent communication skills with all levels of staff, often having to work with various departments to help them plan and manage their own budgets. Division Heads: 1. Division Head of Secretariat: SumarsonoSecretariat is defined as the administrative department of governmental organization(http://www. merriam-webster. com/dictionary/secretariat). The administrative department is usually r esponsible for daily accounting, organizational agenda and of messages from and to the organization. A secretary as a part of the secretariat is also responsible to assist directors. 2. Division Head of Internal Control Unit: Erry Syafruddin This division’s work is to make sure that all the units in the company work in accordance with the predetermined objectives and evaluating work quality of people working in the organization.They also check documents that are related to observed issues filed by the directors as well as preparing appropriate letters of response 3. Division Head of Finance Accounting and Collection: Danang Suryono Finance division head’s task is to solve issues related to finance. The department of finance makes financial policies for the sake of the company and report any error to directors. Finance division head creates the budget plan of the company and forsee any financial chance or problem that the company may face. 4.Division Head of Investment: Syahmirwan This division makes policies and plans on what assets the company should invest on or sell in order to keep the company’s financial attributes strong. The division monitor allthe assets owned by the company and calculate investment risks for the company. 5. Division Head of Human Resources:   Udhi Prasetyanto Deals with the planning and organizing of human capital of the company. Resolves any problems between the workers of the company and file the profiles of individual employees.Is also responsible to consult the workers in relation to their work and any complaints about the company, thus making them in charge to file complaints to the different departments in the company. The division manages the placing of new employees and making sure that new employees are able to do their expected work. Training and internship are also the fields that   human resource department are responsible for. 6. Division Head of General and Fixtures:   Kompyang Wibisana The div ision head of general and fixture have a job to construct the annual work programe for PT .Asuransi Jiwasraya for the year, the head of general and fixtures also have responsibilities to implement administrative affairs public relations and cooperation with other parties, the head of general and fixtures also have to do the storage, distribution and maintenance of equipment items. 7. Actuarial Division Head: Iswardi Division that computes the risk and probability of death, marriage and birth and help insurance company determine their rate based on the statistical observation result.The division makes sure PT. Asuransi Jiwasraya obtain profit from the determined rate of service. 8. Head of Division of Underwriting Retail ; Corporate:   Umi Ratih Underwriting retail is the one who have responsibilities for providing effectiveness and efficient management of all underwriting department, this includes overseeing that the underwriting of all loan types offered by HomeStreet Bank, occur s in a timely manner and in accordance with company and investor guidelines. . Head of Division of Agency Retail ; Corporate: G. Agung Nugraha Susanta The head of agency retail have to be responsible to development as per retail standards and ensuring adherence to timelines, Division of agency retail is a people who is responsible for selling the product of PT. Asuransi Jiwasraya that only in the form of retail and also have to manage all the management of agency retail in PT. Asuransi Jiwasraya. 10.Division Head of Retail ; Corporate Selling:   Fitriansyah The head of retail and corporate selling have a job to watch and coordinate all the governments and staff division of retail and   corporate sales according to the span of control, head of retail also have to coordinate and be responsible for the creation of command updates in accordance with the development of market industry insurance matters relating to strategy (Pattern) Retail and corporate sales. 11.Head of Marketing Di vision:   Leonard Tambunan   Ã‚   The job of the marketing division is to manage product, price, distribution and promotional strategy for the company. This means that the division plans on what products to be made, where it will be marketed, and the price of the product and how to create better company image while meeting the needs of the costumers through the value of the product. 12. Division Head of Information Technology:   Ari Faizal Aliaini The division head of information have a job to oversee the development, implementation, and use of technology throughout the firm.The division head of information technology also have the responsibility to range the information systems and telecommunications activities, including determining user requirements, recommending practical solutions, and leading firm-wide efforts to improve the effective use of technology, the division head of technology also have responsibilities to provide expertise and support during system upgrade, inst allation, conversion, and file maintenance. 13.Division Head of Pension Fund Financial Institution: Lusiana The division manages the fund specified for the pension fund for the employees that retires from the company due to age, health or disability factors. It ensures that retired employees are given their rights so that they may gain benefit as they have been beneficial to the company during their year of services. In this way, the company continues to make employees feel that they are appreciated. In general, Division Heads are responsible of supervising management staffs properly.They are expected to be in charge of interpreting regularizations into policies that the division should follow in their activities. Division Heads are also in charge of making necessary changes and proposing plans regarding their divisions in a way that will help the division to develop. One of the jobs of a division head is to be a leader for the people who work in the division. Therefore, a division head should be able to aid the workers, oversee and evaluate their work and give proper feedback to the workers. Other than that they are responsible to create a good relationship between the division and customers in general. http://www. bestsamplejobdescription. com/director-job-description-2/division-director-job-descriptio/) Regional Managers: 1. James Tomasoa Jakarta I Regional Manager 2. Saripudin Bandung Regional Manager 3. I Nyoman Surata Semarang Regional Manager 4. Eddy Susanto Surabaya Regional Manager 5. Libertus Ompusunggu Makassar Regional Manager 6. Bachruddin Manado Regional Manager 7. Novi Rahmi Palembang Regional Manager 8. Sulik Harsono Malang Regional Manager 9. Jumino Balikpapan Regional Manager 10. Karmanto Pekanbaru Regional Manager 11. Dafras Jakarta II Regional Manager 12. Dwi Laksito Pontianak Regional Manager 3. Rotua Pasaribu Medan Regional Manager 14. Adi Susanto Denpasar Regional Manager 15. M. Idris Cirebon Regional Manager 16. M. Arifin Yogyakarta Reg ional Manager 17. Supardi Sudiro Jakarta III Regional Manager Regional managers are responsible for driving sales in the area of their responsibility through good leadership, customer-relationship and strategies. In businesses where the product is in the form of goods, they are responsible for merchandising of the business, but as PT. Asuransi Jiwasraya is a service company, regional managers are not expected to be responsible for merchandising.Regional managers must be able to communicate the company’s goals to each individual stores in its region. They also have to monitor that all activities are done in accordance with the regulations of the company and that all conduct meets the expectancy of the corporation. (http://www. paper-source. com/jobs/Regional-Manager-Job-Description. pdf) 6. 0   COMPANY MOTIVATION Every company must have a goal that needs to be achieved, to do that every company have to be capable of using all of resources that the company has including human resource. Human resources are very important on every step that the company has made.The success of the company   is depends on its performance. The performance of the workers inside the company depends on: personality and ability, task difficulty, resource availability, working conditions and chance or luck. But besides that, another important factor that contributes to performance is the motivation given by the company to its workers is given by the company. One of motivation that is given by PT. Asuransi Jiwasrayal is   by   providing the compensation monetary. Compensation monetary is a motivation that is given by the company by   giving the   employees a reward in the form of money.And   the result is, PT. Asuransi Jiwasraya has successfully gaining the performance of the workers. PT. Asuransi Jiwasraya also can motivate the employees by making many events that can allows relation of employees to grow. So by making many events between the employees it can gaining t he sense of belonging of the customers. PT. Asuransi Jiwasraya have a program called â€Å"management performance system†   the goal from making this performance management system is to measure the performance of the workers work, and   the result is that the employees on PT.Asuransi Jiwasraya not yet giving the best of their performance. The desire for the employee’s to achieve the goal of the company are still small, because of that reason PT. Asuransi Jiwasraya is motivating employees by giving a job enlargement to the employees. By giving the job enlargement it can make the employees to dedicate more effort into their jobs, So it can make the employees feel that they have to achieve more   than what the company has expected, so it make a good motivation for the employees, and also give a good impact for the company performance because the employees will act in the company's favor. . 0 Company’s strategic management process 1. Identifying the companyâ⠂¬â„¢s current mission, goals and strategies: Company’s mission: Provide certainty, security and convenience through the use of competitive and innovative solution to customers in need of insurance and financial planning. The company’s current goal is to be one of the top five biggest insurance company and to in long term becomes a globally known insurance company. 2. Identifying external factors: Opportunity and threat:The opportunity that arises for companies in insurance service providing business for the year of 2013 is the trend of increasing number of people purchasing insurance online. The threat faced by the companies is the fact that insurance company often mis-sell their product. This means that an insurance company might have sold their product to people who really does not need the product. Another threat faced by the company is people’s negative attitude towards insurance company, as claiming any compensation is assumed as a complicated process. 3.I dentifying internal factors: Company’s strength: 1. The company has been established for a long time, so it has a strong fundation 2. It is a well-structured company and jobs are defined clearly for everyone in the company allowing them to focus on their individual task, thus developing professionalism 3. Strong relationships between the company’s employees 4. Has won awards that may increase its credibility in the eyes of potential market including a â€Å"Best Life Insurance† award 5. Has established connection with other trusted companies 6. PT.Asuransi Jiwasraya has gained its customer’s loyalty as proven by its award in 2005: â€Å"Indonesian Customer Loyalty Award† Company’s weaknesses: 1. The company’s background theory, the Max Weber theory of management results in the loss of flexibility. 2. The company is very oriented towards satisfying a limited group of people which is Indonesian people that everything is established in a strong Indonesian culture. 3. The lack of promotional effort 4. The company has yet to utilize technology in its benefit to its maximum potential Formulating strategiesThese are the strategies used by PT. Asuransi Jiwasraya: The current strategy applied is new product development, improvement of the quality of human resources and investment on information technology. 1. New product development. The company continues to create new products that serve the needs of the customers better. For example, in the year of 2012, the company created 5 traditional products and 2 â€Å"unit-linked† products which are claimed to be more flexible as the customer can take fund out and invest more fund after 6 months of the first investment. http://www. jiwasraya. co. id/detailberita. php? id=486&lang=id) 2. PT. Asuransi Jiwasraya tries to penetrate market of different segment. The company continues to grow but as the target of increase is not reached, the company expands its area of srvice by targeting new market segment which is of the younger group of people. The insurance company produces new roduct that brings benefit especially to students. (http://keuangan. kontan. co. id/news/kinerja-jiwasraya-meleset-dari-target) 3. Improvement of quality of human resources . Utilization of technology in the organization for example the establishment of the e-procurement (online purchasing of insurance) by the company (http://systemloverz. wordpress. com/2012/12/14/penerapan-e-procurement-untuk-mewujudkan-good-corporate-governance-di-bumn/) 5. Increasing the number of agents in the organization 6. Establishing and maintaining beneficial relationship with other companies 7. Gain positive reputation through different charitable actions The company has a good strategic management process.The flaw to the strategy is that the company is very focused on its goal of reaching more premium and of creating better quality products that the company seem to neglect the fact that promotion is an important part in business. The company needs to increase its budget on advertising and its frequency of advertising. They need to establish ways for target market to find out about them rather than letting the target market find them by chance. This is also true as some people makes their choices based on the fact that the company

History: Questions Essay

5. Compare and contrast policies, factors influencing success and outcomes achieved by the following â€Å"Asian Miracle† countries: Taiwan, Korea, Thailand, Malaysia, Vietnam and Laos. After the end of World War 2, East Asia experienced a rapid economic growth which lasted till 1990; before the Asian Financial Crisis. The countries that achieved substantial growth were Taiwan, South Korea, Hong Kong,  Singapore and Japan. These countries were referred to as the Asian Tigers and they were known for achieving and maintaining incomparably high growth rates and rapid industrialization between 1960 and 1990 (Lall, 1996). By the 21st century, the Asian Tigers had grown into high-income and advanced economies (Page, 1994). Initially, these countries were not expected to achieve such rapid growth as compared to Western countries (Amsden,1993). The other countries which were not far behind from the five miracle economies were Malaysia, Thailand and Indonesia. These countries were known as the Second-Generation Tigers. However, less fortunate countries such as the former French Indochina (Focusing on Vietnam and Laos) remained lagged in terms of development. Source: Summers and Heston (1991). Barro (1989). World Bank data. Figure 1 shows the eight HPAEs; all have a positive outlier in the income-growth distribution. While Malaysia, Thailand, and Indonesia are closer to the predicted values, the other five economies, Taiwan, Korea, Japan, Singapore and Hong Kong, are significantly above the predicted Gross Domestic Product growth rates on the basis of relative income level. From this chart, it is concluded that all of the HPAEs were catching up to the more developed countries. This essay analyses the causes that led to the difference in development between the Asian Tigers (5 miracle countries), Second-Generation Tigers (Second-tier countries) and the least developed ones. This essay will also state the multiple factors which led to the countries’ divergent paths and compare and analyse the impacts of each factor. The factors that will be expounded on are: (1) Economic Policies, (3) Factors influencing success and lastly, (4) Domestic and Regional Political outcomes. In 1960, the companies that achieved high growth rates and rapid industrialization were addressed as High Performing Asian Economies of Northeast Asia (HPEAs) of Northeast Asia and the Second-tier were referred to as Newly Industrialising Economies (NIEs) of Southeast Asia (Fisher & Rotemberg, 1994). Key events such as colonialism, decolonisation and the  cold war played a part in this phenomenon as it contributed to the building of HPEAs and NIEs economies. Colonialism Majority of HPEAs and NIEs countries used to be under colonial rule except for Thailand and Japan. Both Thailand and Japan used various methods to run their country; two of their main methods where their geographical location and resources available (Andressen, 2002). During the colonial era, majority of Southeast Asian countries used to have higher GDPs than Northeast Asian miracles; in the early 19th century, countries like Burma and Vietnam were wealthier than Taiwan, which GDP was $499 in 1820. During that period, both Malaysia and Indonesia’s GDP topped Taiwan and Korea until the 1940s, during the fall of colonisation. Burma and Vietnam owed most of its achievements to colonial institutions and natural resources. Unfortunately, colonialism did everything but good for both countries’ welfare (Easterly, 1994). The aim of colonialism was to acquiring full or partial political control over both countries, occupy it with settlers and exploit it economically. The Dutch, for example, introduced social classification and applied a divide-and-rule method to attain superiority over the indigenous people while exploiting them to work in plantations. The Dutch did not teach the colonies any form of manufacturing as they had no intention to invest in human resources. Similarly, British Malaya had its resources drained by colonists and when the colonist left, the countries that made up British Malaya declared independence. These independent countries continued to carry out the colonial style of administration; as this once produced significant profits, and system without the knowledge of manufacturing. The Asian Tigers: Korea & Taiwan In contrast, Korea, Taiwan, Singapore and Hong Kong, which were colonised by Japan and Britain, did not own many natural resources. Little was to be exploited from those colonies as the colonist only found their geographical  location and labourers of use. Unlike Korea and Taiwan, which were the main hub of food production and labour-intensive industries, Singapore and Hong Kong were used as import harbours. This put Singapore and Hong Kong at an advantage as basic education was provided and allowed them to gain the upper hand in industrialization when they gained independence. In 1960, during the Cold War, when political and military tension grew between both Western Bloc and Eastern Bloc, the economies of Taiwan, Korea, Japan, Hong Kong and Singapore were not affected. These Asian countries were not affected as they had leaders who put communal interests over personal benefits. Both private companies and governments of HPEAs worked together and collaborated. This act is attributed to the Confucian culture which majority of Asian countries practice. The Confucian culture emphasises on prioritising of community over individual (Johnson, 1982). Their economic strategies constituted of advanced industries supported by exceptional human resources, export-oriented, market-adjusting state interventions, efficient bureaucrats and institutional cooperation consisting of both government and certain companies. Korea and Taiwan, both former Japanese colonies, promoted their local companies and invested in improving their human resources skill and technological capability by following the Japanese model with their own adaptation (Beasley, 1987). They also used protectionist policies; such as tariffs, to ensure that their immature domestic market would not be forced to compete with foreign products. For the Koreans, their post-war economic strategy was to obtain knowledge from developed countries to adopt foreign technology. This was done to provide a foundation for its domestic industries (Woronoff, 1992). Korea’s oligopolistic development model was founded in 1960, under authoritative administration of Park Chung Hee. This development model was made up of collaboration between conglomerates called chaebols. Chaebols consisted of successful exporting companies that were chosen and given privileges (Wad, 2002). Korea’s development was also supported by its human resources. Its human resource were organised in military-like discipline. Gradually, after gaining independence from Japan, Taiwan entered into industrialisation stage by allowing government bodies to  supervise its development. In 1950, the Economic Planning Institution was started. The Economic Stabilisation Board executed the first four-years of economic plans, continued by Council for Economic Planning and Development (CEPD) who was tasked with national and regional planning (Kuznets, 1959). CEPD coordinated with ministries to ensure that development would be done according to plan but they had no authority to supervise. Government involvement could also be seen through the Ministry of Economic Affairs’ role in outlining which subdivision should be supported and this included industries of which Taiwan is reputable for: machinery, electronics, and telecommunications. In mid 1960, the government built export-allocated zones which were easy to access from harbours and airports. To stimulate export, customs and taxes were reduced and low interest loans were promoted. In 1980, labour skills gradually improved and this also resulted in the improvement of the education sector. Meanwhile, the NIEs and other less fortunate countries such as Vietnam and Laos; although predicted to be the next tigers following the success of their Northeast Asian counterparts, could not catch up with HPEAs. Some of the NIEs formed a ‘neo-patrimonial’ state. Neo-patrimonial is classified by having inefficient bureaucracy, nepotistic leaders and unstable authority. These nepotistic leaders show favouritism and public interest becomes second priority. This leads to poor economic growth along with disorganised policies. Furthermore, unlike the HPEAs that benefited from having a relatively homogenous ethnicity, Southeast Asian countries were diverse. This diversity in ethnic groups made it difficult for the ethnic groups to understand each other. In addition, due to the Cold War, the former French Indochina suffered severe political instability and economic collapse. The Second Generation Tigers: Thailand & Malaysia Similarly, Thailand and Malaysia both failed to achieve HPEAs success. In 1980, Malaysia tried to adapt HPEAs intervention model, but failed implement their policies. Thailand, on the other hand, was hindered by political  instability (Unger, 1995). In Malaysia’s case, participation of local companies was low and foreign companies played a greater role in Malaysia’s economy (Lubeck, 1992). Also, local companies depended on foreign technology and the country’s demand for advanced technical skills was not fulfilled. Furthermore, there was an ethnic divide between the indigenous people and Chinese. This prevented cohesive cooperation in both Thailand and Malaysia As for Thailand, the government, shareholders and military were unable to cooperate. The military would occasionally launch coup attempts and such attempts disrupted both political stability and economic activities. Vietnam & Laos Vietnam, Laos and Cambodia were the main Southeast Asian countries with poor economies. These countries’ economic problems were the result of internal conflicts (Tran Van Tho, 2003). The conflicts in Vietnam and Laos resulted in the victory of the communist party and as for Cambodia, the democratic government ruled. In 1970s, Vietnam was exhausted and isolated due to its involvement with the conflict between Cambodia and USA. Due to the conflict, Vietnam became one of the poorest countries in the region. Realising the need to fix their economic condition, Vietnam adapted a reformist pace by allowing private ownership in small to medium enterprises and opened itself to investments (Brown, 1995). This move led to Vietnam’s economic prospers, though lagging behind its capitalist neighbours. Vietnam currently relies on raw and secondary products (Department of Foreign Affairs and Trade, 2014). Cambodia and Laos were both alienated from being one of the Asian Miracle. Laos, being in between Thailand and Vietnam became a heated political theatre during the Cold War. Although Laos reformed it’s economic sector simultaneously with Vietnam, its economic growth pace was slow as the country relied on natural resources, agriculture and low skilled labourers. Only in early 1990 did Laos manage to expand its industry and attract foreign investors. To summarise, this essay has argued that the Asian miracle was an uneven phenomenon that only happened to some countries. It also states how rapid economic growth occurred in the eight East Asian countries; mainly focussing on Hong Kong, Korea, Taiwan, Malaysia, and Thailand. Furthermore, the common denominators of success: (1) maintaining macroeconomic stability, (2) broad-based educational strategies, (3) export growth, and (4) insignificance of industrial policy have been discussed upon. This essay argues that export push was a successful strategy, while industrial policy was â€Å"insignificant.† In conclusion, the substantial achievements of the HPEAs were owed to the collaboration of both companies and the government whose goal was to build a sustainable economy for the country. Majority of the Asian Tigers (First- tiers) were not blessed with plenty of natural resources but they managed to improve by investing in human resources and value-added goods. In addition, these countries also showed a strong unity among the society, government, and businessmen. The government’s authoritative nature created stability and helped to bring about positive impacts on the economy. The second-tier managed to get closer to the first-tiers due to the resources available. However, the second-tiers did not manage to draw alongside or surpass the first-tiers as they relied on low value-added goods, raw materials and low wage labourers. Also, their governments personal interests and corruption hindered the countries development. Citation Amsden, A. H. (1993). Why isn’t the whole world experimenting with the East Asian model to develop? Review of the World Bank’s East Asian Miracle Report, to appear in Symposium on the World Bank’s East Asian Miracle Report, in World Development. Andressen, C. A. (2002). Short History of Japan: from Samurai to Sony, Allen & Unwin. St. Leonards. Beasley, W. G.(1987). Japanese Imperialism 1894-1945, Oxford University Press, New York. Brown, FZ ‘The Economic Development of Vietnam Laos, and Cambodia’ in Young C Kim (ed.), The Southeast Asian Economic Miracle, Transaction Publishers, London, 1995 pp. 85-104 Department of Foreign Affairs and Trade, The New ASEANS: Vietnam, Burma, Cambodia, & Laos, Australian Department of Foreign Affairs and Trade. 2014. [ONLINE] Available at: http://www.dfat.gov.au/publications/catalogue/new_asia.pdf. [Accessed 03 September 2014]. Easterly, W. (1994). Explaining miracles: Growth regressions meet the gang of four. In NBER, East Asian seminar on economics 1993, T. Ito and A. O. Krueger (eds.). Johnson, C. (1982). MITI and The Japanese Miracle: The Growth of Industrial Policy, 1925-1975, Stanford University Press, Stanford. Kuznets, S. (1959). Six lectures on economic growth. Glencoe, IL: Free Press. Lall, S.(1996). Learning from the Asian Tigers, Macmillan Press Ltd., London. Lubeck, PM ‘Malaysian Industrialization, Ethnic Division, and the NIC Model’, in RP Appelbaum & J Henderson (eds.), States and Development in Asia Pacific Rim, Sage Publications, London, 1992, p.177-181 Page, J. ‘The East Asian Miracle: Four Lessons for Development Policy’, in S Fisher & J J Rotemberg (eds.), NBER Macroeconomics Annual, MIT Press 1994, pp. 219-282 Tran Van Tho. (2003). ‘Economic development in Vietnam during the second half of the 20th century: How to avoid the danger of lagging behind’ in Binh Tran Nam and Chi Do Pham (eds) The Vietnamese Economy: Awakening the dorming dragon. RoutledCurzon. Unger, D. (1995). ‘Government and Business in Thailand’, in Young C Kim (ed.), The Southeast Asian Economic Miracle, Transaction Publishers, London, 1995 pp.137-158 Wad, P ‘The Political Business of Development in South Korea’, in Edmund Terrence Gomez (ed.) Political Business in East Asia, Routledge, London & New York, 2002 pp. 182-215 World Bank, The East Asian Miracle: Economic Growth and Public Policy, Oxford University Press, New York, 1993, pp. 90-92 Woronoff, J.(1992). Asia’s Miracle Economies, 2nd ed., M. E. Sharpe Publisher. New York.