Knowledge is of two kinds. We know a subject ourselves, or we know where we can find information on it.
Samuel Johnson
Considering food and wine have been associated for generations, this study examines the intricate relationship between the food and wine industries, focusing on the techniques employed in each and examining how collaboration increases visitor satisfaction. With the central theme revolving around collaborative initiatives within these industries, particularly in the joint selection of wine and food offerings (experiences). Recent shifts in consumer preferences have prompted a noticeable trend towards fusing the worlds of wine and food, recognizing the potential for enhanced tourism experiences. Chefs and winemakers are working together more often to create pairings that appeal to consumers' changing preferences while also complementing one another. This cooperative strategy highlights an understanding of the critical role that, festivalscapes/foodscapes, wine-paired cooking lessons and well-balanced wine and food pairing have in enhancing tourism experiences within both industries.
2024
The fast-food industry in Indonesia, especially noodle-based chains like Mie XYZ, has seen rapid growth, particularly in Jakarta. While Mie XYZ has gained popularity through its unique products and strong online presence, the brand faces challenges in maintaining customer satisfaction, trust, and loyalty. Additionally, there is growing consumer demand for sustainable practices and social media engagement, making these factors crucial for business success. This study aims to address the research gap by examining how Mie XYZ's focus on product quality, social media presence, and environmental efforts influences customer satisfaction and repurchase intention. The quantitative research was conducted using SEM-PLS, with data collected from 155 respondents who are regular customers of Mie XYZ in Jakarta. The results showed that consistent product quality, positive social media reviews, and sustainable practices significantly impact customer satisfaction and trust, leading to higher repurchase intention. These findings suggest that Mie XYZ should prioritize improving its product, strengthening its social media engagement, and adopting more eco-friendly initiatives to enhance customer loyalty and maintain a competitive edge.
In recent years,traditional banks in Indonesia have faced various challenges that require banks to have a good level of health to survive. Although it is logically assumed that BUKU IV is the best performer among other BUKU groups due to its large core capital,it needs to be proven statistically. Therefore, this study aims to examine the impact of Mobile Banking Transaction on Net Interest Margin of the two largest BUKU groups, namely BUKU III and BUKU IV,and compare the two results.This study uses four independent variables: NPL, DUMMY COVID. MoTrans,and CASA.
2025
Higher education is the final institution that every person should pursue in order to finish their educational journey. Higher education institutions are required to provide a good quality of service that aims to achieve the satisfaction of the students, which derives from the recommending behavior of the students towards the institution. Excellent service quality given by higher education institutions is supposed to have a positive correlation with student satisfaction and WOM behavior. However, the evidence from bachelor of business program students (XYZ campus), which was believed to offer a high-quality curriculum, qualified lecturers, and sifficient facilities, is different from students' intention to recommend the campus. Thus, the study examines factors influencing students' WOM intention and WOM behavior from the perspective of student satisfaction and higher education service quality (HESQUAL). PLS structural equation modeling (SEM) is used in this quantitative study. The questionnaires were distributed to 109 bachelor of business program students of XYZ campus, with a stratified sampling method. It was collected in March 2024, consisting of XYZ students from various classes (Class of 2020, 2021, 2022, and 2023). The result of this research is that higher education service quality (HESQUAL) has a positive and significant effect on student satisfaction, Student satisfaction has a positive and significant effect on WOM behavior. The highest dimension score for HESQUAL is the lecture quality. Even though the R-squared of WOM intention tends to be low, HESQUAL and student satisfaction are important factors in students' recommendation of a campus. Thee findings have important implications, which are maintaining the lecture quality and knowledge service and improving students activities to ensure student satisfaction among business schools.
2024
This study investigates how Jakartan customers' purchasing decisions are impacted by Uniqlo's UT Collection brand collaborations and brand perception. Collaborations have become a strategic tactic to differentiate businesses and appeal to current customers as the fast fashion market grows more competitive. This study examines the effects of Uniqlo's collaborative branding strategy on brand perception and how these factors influence consumers' purchasing decisions. Data were gathered from 125 respondents, ages 17 to 35, who had bought at least one UT Collection product, using a structured questionnaire using an explanatory study design and quantitative research methodology. The data was analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). This research found that both brand collaborations and brand perception significantly and positively influences customers purchase decisions. Moreover, brand collaborations also significantly and positively influence brand perceptions.
2025
This study investigates the determinants of financial risk in indonesian property firms, with a particular focus on the performance of the gome building segment. the research explores how homebuliding segment profitability, home building inventory turnover, interest rates, and exchange rate volatility influence frim risk, and test the moderating role of the COVID-19 pandemic. drawing on data from 25 publicy listed property companies on the indonesia stock exchange between 2013 and 2023, the study employs panel data regression methods to analyze both firm-specific and macroeconomic variables. findings reveal that a higher home building inventory turnover robustly and significantly reduces firm risk, establishing operational efficiency as a primary risk mitigator. exchange rate volatility is associated with increased firm risk. however, the direct impact of interest rates was found to be statistically insignificant .notably the study did not find statistical support for the hypothesis that the COVID-19pancemic moderated these relationships. this research contributes to a deeper understanding of how internal financial performance and external economic cobditions jointly shape the risk profile of property developers. it offers actionable insights for investors, property entrepreneurs, and regulators aiming to improve resilienve by prioritizing core operational performance.
2025
The financial services industry in Indonesia is rapidly transforming due to digital technology, changing customer behavior, and strong competition from fintech and digital-first players. Despite the digital lending market reaching around USD 11.5 billion in 2023, multifinance companies still face challenges in scaling secured lending through internal digitalization alone. This study aims to evaluate how digital capabilities and strategic partnerships influence business growth in secured digital lending. Using a descriptive qualitative approach with NVivo 15 Plus, the research analyzes data collected from interviews, company reports, and literature covering the 2021-2024 period. The findings show that internal digital initiatives such as API, e-KYC, AI-based scoring, automation, and data analytics improved operational efficiency but had limited effect on customer growth when not supported by ecosystem collaboration. API-based partnerships with fintech and digital platforms significantly increased secured digital booking from 219,000 in 2021 to 552,000 in 2023, showing over 2.5 times growth. Theoretically, this research contributes to understanding digital transformation in the multifinance sector by linking digital capability and partnership as complementary drivers of growth, while managerially it emphasizes leadership commitment, organizational alignment, and ecosystem readiness as key enablers. The goal is to find the success factor of digital transformation that enables multifinance companies to achieve sustainable customer and business growth through the synergy between internal digital capabilities and external partnerships.
2025
Corporate Social Responsibility (CSR) have emerged to becoming a critical component of brands strategy, especially in the wake of global phenomenon happening, where a brand's dedication to ethical practices may differentiate them from rivals.. The objective of this study will be focusing on the CSR donation done by local beauty brands in Indonesia, and exploring the effect to brand image, brand awareness, and ethical consumerism. The research's novelty lies in its approach on understanding the effectiveness of CSR donation to brand outcome, through the lens of consumers that implies ethical consumerism. The sole independent variable of this study is CSR donation, with brand awareness as the dependent variable, and brand image and ethical consumerism as the mediating variable. Using a sample of 100 local beauty brands user in the Jabodetabek Area with the age range of Gen Z and Millennials through purposive sampling and mixed quantitative and qualitative data, analysed using PLS-SEM. The result indicates that CSR Donation has a significant direct influence on Brand Image and Ethical Consumerism of local beauty brands in Indonesia. The mediating variable of Brand Image within the relationship of CSR Donation and Brand Awareness also shows a significant influence. This study also provides recommendations for brand owners on effectively incorporating CSR strategies in their business to enhance their brand's image and awareness among consumer that practices ethical consumerism.
2025
Organizations need to regularly assess their Governance, Risk, and Compliance (GRC) initiatives for integration, alignment and effectiveness. A recent international survey found that a siloed approach significantly increases costs, primarily due to a lack of clear strategy and divergent perspectives between leadership and employees, hindering effective GRC integration. This research evaluated GRC practices and performance in a group of State-Owned Enterprises (SOEs), providing recommendations to improve alignment of effective GRC initiatives with organizational and individual goals. While many studies examine GRC evaluation, empirical research on methodologies for assessing integrated GRC initiative performance is rare. This study offers an empirical assessment of GRC performance, supplementing existing methods like GRC Maturity Assessments. This study investigated how perceptions of organizational leaders and employees regarding the importance and performance of GRC initiatives affect the efficacy and overall performance of GRC practices. This mixed-methods study, conducted from January to March 2025. assessed GRC performance in seven Indonesian State-Owned Enterprises (SOES). Using a 5-point Likert scale Importance-Performance Analysis (IPA) questionnaire, the research collected data on 10 GRC initiatives over the past three years from leaders and employees through surveys, interviews, and observations. The results shown some indicator of evidences that optimal awareness and high expectations for GRC initiatives exist in the objects of the study, however the Group Management need to balance this with increased individual and organizational capabilities, particularly in some critical initiatives. This study's methodology provides crucial tools for organizational decision-makers, auditors and advisors to identify and resolve siloed business environments that cause operational failures. It emphasizes that despite any GRC initiatives, the human dimension is the most critical factor for successful GRC framework implementation and should always be prioritized by stakeholders. Future research should focus on three key areas to improve this study's utility and speed. First, develop advanced GRC frameworks tailored to contemporary challenges e.g., Al governance and supply chain vulnerabilities. Second, leverage technology to automate data processing, reducing manual effort and accelerating research. Finally, implement longitudinal IPA for instance to assess dynamic perceptions of GRC change during and after a crisis.
2025
This study explores the strategic transformation of PT XYZ following the termination of its long-standing affiliation with a global consulting partner. The separation in 2023 represented a major organizational shift, presenting both a challenge to reestablish credibility and an opportunity to redefine its identity in Indonesia's competitive human capital consulting industry. The study seeks to address three central questions: (1) What is PT XYZ's current strategic positioning post-affiliation? (2) What strategic initiatives should be prioritized to strengthen its competitiveness and growth? (3) How ready is the organization to execute these strategies, and what change management approach is required? The analysis integrates several strategic frameworks, including SWOT, TOWS, QSPM, McKinsey's 7S (hard elements), and Kotter's 8-Step Change Model, based on qualitative data from internal interviews and documents. The findings reveal gaps in market positioning, internal systems, innovation capabilities, and execution alignment. Five strategic initiatives are proposed to address these gaps and guide the company's next phase of growth. The study offers significant managerial implications, emphasizing the need for a more cohesive innovation approach, capability development, and structured change execution. Industry-wide, the experience of PT XYZ provides insight into the complexity of post-affiliation repositioning, particularly in the context of rising technological disruption and evolving client demands. While the study provides a focused, practical roadmap, its conclusions are bounded by the single-company scope and the absence of financial analysis. Future research could further strengthen and generalize these findings through broader and more data-driven approaches.
2025
Climate change presents a significant worldwide concern, and Indonesia is dedicated to attaining Net Zero Emissions (NZE) by 2060, with a specific objective for the industrial sector by 2050. The pulp and paper sector is the fourth-largest energy consumer in Indonesia and substantially contributes to national greenhouse gas (GHG) emissions. PT BMS, an integrated paper packaging producer, reported yearly emission intensities that, in certain years, surpassed the national green industry benchmark of 1.4 1COse/ton of product, highlighting the necessity for efficient carbon management. This study seeks to propose feasible, relevant, and economically viable carbon abatement options for PT BMS that are consistent with company objectives, regulatory mandates, and national decarbonization targets. The study utilizes a tripartite methodology: (1) evaluating existing environmental performance by quantifying Scope 1 and Scope 2 emissions from 2016 to 2023; (2) identifying prospective abatement strategies and appraising them via the Marginal Abatement Cost Curve (MACC) framework; and (3) determining viable strategies through consultations with corporate decision-makers, amalgamating both financial and environmental factors. The findings indicate that energy intensity, production efficiency, and operational procedures influence PT BMS's greenhouse gas emissions. Numerous cost-effective or negative-cost abatement strategies, such as enhancing equipment efficiency, optimizing processes, and adopting renewable energy, can substantially diminish emissions while decreasing operational expenses. The report indicates that implementing these solutions will enable PT BMS to comply with green industry norms, improve energy efficiency, saving cost and sustain competitiveness. According to local constraints and market dynamics, the proposed framework provides a replicable model for other energy-intensive businesses in emerging nations.
2025
ABSTRACT Public interest in investing in the Indonesian capital market continues to grow, as indicated by the increasing number of retail investors in recent years. Based on statistical data from the Indonesian Central Securities Depository (KSEI). the number of capital market investors in 2024 increased by 12% compared to 2023. Among various investment instruments, mutual funds are notably more popular than stocks or bonds in terms of investor participation. This trend is particularly driven by younger generations namely Millennials and Gen Z who are actively engaging in investments through digital platforms and are influenced by financial influencers in shaping their investment decisions. This study investigates the influence of financial literacy, financial attitudes, risk tolerance, and financial influencer on the investment intentions of mutual fund product among Millennials and Gen Z investors in Jakarta, with financial influencers serving as a moderating variable. In recent years, the rapid growth of social media and financial influencer content has significantly shaped how young investors perceive and participate in investment activities. The primary objective of this research is to analyse how individual financial capabilities and exposure to financial influencers affect the intention to invest in mutual fund products using Theory of Planned Behavior (TPB). The sample taken is from citizens in the Greater Jakarta Area, aged between 25 and 45 years and have mutual fund investment. The sample size was 155, collected during Agustus 2025. The data were then analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results indicated that Financial Literacy, Financial Attitude, Risk Tolerance, and Financial Influencer have a positive effect on the Investment Intention of mutual fund, while Financial Influencer moderates the effect of Financial Literacy and Financial Attitude on Investment Intention of mutual fund, but does not moderate the effect of Risk Tolerance. This finding is novel in the context of mutual fund investment among Millennials and Gen Z in Jakarta. The practical implication is that financial institutions and policymakers should strengthen financial literacy and attitude-building programs and strategically collaborate with financial influencer to enhance their credibility and impact, while recognizing that risk tolerance remains primarily an individual factor that is less influenced by external parties.
2025
Proceedings of the seminar on mad cow disease (bovine spongiform enchephalopathy) and its implications on food safety
No Description Available
1996
Bulletin of Monetary Economics and Banking Volume 26, Number 4
2023
Bulletin of Monetary Economics and Banking Volume 25, Number 4
2022
Bulletin of Monetary Economics and Banking Volume 24, Special Issue
2021
We have many types of collections in our library, range from Fictions to Sciences Material, from printed material to digital collections such CD-ROM, CD, VCD and DVD. We also collect daily serials publications such as newspaper and also monthly serials such as magazines.
Book
2081Skripsi
297Thesis
299InternWorks
2CIP
79Multimedia
557GFP
551Case
237Reference
195
The project assigned by PT Concord Benefit Enterprises is to seek opportunity for new market in the garment manufacturing industry. The market of corporate uniform is proposed which is still not developed in the Indonesian market. The market size finding shows attractiveness to enter. In addition, to be the first is benefited the company. There is no direct competition, which enables the company to have a step ahead from the other garment manufacturer companies. In conclusion, our proposal was brought into existence by elaborating the market data, requirements and customer needs. Therefore, we truly believe that entering the corporate uniform market would provide PT Concord Benefit Enterprises additional product line to sustain its objective and vision. Research location: PT Concord Benefit Enterprises Supervisor: Kemal TAruc Mertohadidjojo Accept: December 1995
1995
PT. Vivere Multi Kreasi has been present in Jabodetabek, Surabaya, and Bali through its 12 representative stores with core competencies in home furnishings and accessories branded as VIVERE. It currently has three marketing channels: Store, Project, and Online. The company takes much of their effort and focus to develop their physical stores more than its other channel, despite the fact that their project channel has shown good growth performance. This study is attempting to find the root cause of why the total revenue from 2015 to 2016 decreased by 1.6% despite of the launch of new gift stores, display warehouse outlet, online channeland growing property sector. Based on calculated assumptions, it shows that currently the company is only capturing 4.1% of total available furniture markets and about 4-5% capturing home accessories market. This study concluded that, the company’s current channels are not effectively tailored to serve neither their specific customer types nor the target market segment. In order to design a tailormade channel, the company’s customer segments then studied, and customer buying behavior and decision process in the target market segment were thoroughly reviewed. As the result, three customer segments for furniture market identified in this study: those are end user, interior designer, and corporation. In home accessories market, this study also found two customer segments, which are end user and corporation. As recommendation, in order to effectively served those customer segments, this study proposes five different marketing channel design mixes for the company to focus their marketing effort on, in order to add values to support their competitive advantage in the respective business environment. Each of the designs was thoroughly and specifically intended to effectively serve each of those identified customer segments in the target market. Supervisor: Rudianto Prabowo
2017
Mechanical energy conversion of gas into electricity using a gas engine will produce waste heat which can be utilized as a co-product. With co product will increase the value of energy efficiency than previously when only produce electricity about 40 percent, with a co-product such as by technology CHP (Combined Heat and Power) or CCHP (Combined Cooling Heating and Power), would be more than 2 times the efficiency of the original 80-sd typically around 85% of them. So, that conservation, this technology will be better.Industrial and commercial buildings usually require a source of energy in the form of steam heating or cold air from the results of this energy conversion. Survey on gas users illustrates that the tire production plants, food production and manufacturing in addition to requiring power also require steam as an energy source for production. Steam heat in the production process is not having high temperature of around 150oC with a pressure of approximately 7-8 bar so that the waste heat from the gas engine can be satisfied. While commercial buildings besides electricity also require air conditioning. Some commercial buildings surveyed have used air conditioning systems using waste heat as an energy source which is the output of the gas engine.The survey on producer gas engine is known that the gas engine has also been designed for low emissions that are environmentally friendly. In the example of the calculation of the gas engine to generate electricity alone and with gas prices today, it is less economical when compared to electrical systems that combine different types of power plants. But if the gas engine has been prepared to become a CHP or CCHP will be able to generate value for the lower cost of electricity existing tariff system.Overview on examples of problems CHP in PGN’s Office building at Bekasi to see economic studies using spreadsheets created show that for on the Project IRR of 21.88% and 99% capacity factor like the output price electricity prices amounted to 11.07 cents USD per kWh, cooling energy 32.8 cents USD per TRh with 13,500 rupiah exchange rate. Machine Capacity used is 8,450 kWh/day (Gas Engine) and 7,605 TRh/day. The gas consumption required is 3,726.45 m3/day (0,13 MMSCFD). The financial output is IRR 21.88 %, Engine Investment is USD 1.1 million, Payback period 5 year and NPV Project $ 660,147. Supervisor: Tritjondro Baskoro
2017
Increased utilization of domestic natural gas requires integration between gas production planning, market development and infrastructure development. Utilization of natural gas recently still not optimum because almost half of all domestic gas production still to be exported. One of the challenges in the utilization of domestic gas is the availability of infrastructure which is still limited and high.Prospective customers who are in certain locations, although near to the existing PGN network still receive high capex financing schemes. This prospective customer is called the last mile customer.With the increasing of demand for natural gas and with the existing of 111,405 Customers and 797,69 Bbtud Gas Sales, PGN since 2016 have set the Investment Policy for Potential Customer, that “each of Potential Customer must meet the IRR before PGN can invest in building the required infrastructure to deliver the gas to the potential customers”. Previously, the IRR policy was counted per Sales Area/Region.The CAPEX and OPEX of the project is quite flexible, but as PGN has also its standard or company code, reducing the cost of this activities will reduce the quality of the systems or facilities, therefore will could also reducing the safety of the system. And again it will break the PGN policy in safety. The other possibility is by increasing the revenue by adjusting the gas price.General environment analysis began by gathering information & identifying factors relavant to this field project. The information was collected through numerous internal and external sources such as internal PGN’s Operating Procedures, databases, literature & websites.Analysis from data conclude that Developing Last Miles Potential Customer Through New Gas Price or New “efficiency program” by PGN-Subsidiary are potentialy to implemented for the “Not Feasible” Potential Customer that are using LPG or Diesel as their existing fuel source. CONFIDENTIAL 26 AUGUST 2027 Supervisor: Sonny W. Antonio
2017
PT Maxima Amerta Kerta was founded and operated in Indonesia since 2012. PT Maxima Amerta Kerta is a transportation rental company that specialized in tourism and corporate rental. The company first operation is in Bali under the name Maxima Auto Rent. Maxima was founded by professionals that has been involved in automotive industry in Indonesia for decades. With the trend of global car rental market is growing since 2014, PT. Maxima Amerta Kerta is also keen to develop its market share. The company should analyze its current issue and their capabilities to compete in the market. Through this research, the author will analyze the competitive advantage of PT. Maxima Amerta Kerta through internal and external analysis. The author will use Porter’s Five Forces analysis, PEST analysis, VRIO analysis, financial ratio analysis, SWOT analysis, TOWS matrix, and ansoff matrix as a tool to analyze the company. The conclusion is, PT. Maxima Amerta Kerta should develop and utilize its digital marketing strategy to gain more brand awareness and maximized their potential customer, expand a new operation area in growing tourism city to develop and have a bigger market share, reduce operating expenses to have more net profit and make the shareholders happy, and to have their financial report audited by financial consultant or institution to have a better understanding on how healthy their company is. Keywords: Corporate Rental, Tourism Rental, Strategic Management
2019
Go-Points is a loyalty program exclusively for Go-Pay users where GoPay users will gain points for every transaction made through Go-Pay. It can be redeemed with many available rewards from various categories. The purpose of this study is to identify the encouragement of Go-Points’s users to access and use Go-Points feature based on their main goals. In order to help overcame the problems in this paper team will elaborate all the theories that interpret the project object and will utilize several theories and tools that help the team analyze the project’s point of issues. This research begins by determining the problems in the company through qualitative data by interviewing the customers also marketing expert and observing the problem. In this research writers would like to know the extent to which Go-Points are known by Go-Jek users, the extent to which users use Go-Points, and what marketing strategy Go-Points should do based on users and marketing expert opinion. Supervisor: Eka Sri Dana Afriza
2018
mpetitive digital landscape, customer loyalty is vital for sustaining market presence and growth, especially for brands in fast-evolving sectors like language education. With Indonesia's rising demand for English proficiency, institutions like English First (EF) seck to enhance loyalty through distinct brand personality traits, positive brand experiences, and a strong brand image. These elements contribute to "brand love," an emotional connection that reinforces customer commitment and loyalty. The research explores how brand personality traits such as luxury, uniqueness, and sophistication-differentiate EF in a crowded market, fostering emotional attachment or "brand love" among learners. Brand experience and brand image are also analyzed for their roles in shaping customer perceptions and promoting repeat engagement with the brand. By investigating brand loyalty as a key factor for EF's market positioning, the study identifies specific brand attributes that encourage consumer satisfaction and loyalty. Using brand love as an intervening variable, the study seeks to clarify mixed findings from previous research on the relationship between brand personality, brand experience, brand image, and loyalty. The results provide insights for educational service providers aiming to strengthen brand loyalty and highlight effective strategies for fostering long-term consumer relationships in competitive environments.
2024
nd narration by Stephen M. Peters. These audio reviews contain key chapter concepts and learning objectives allowing you to review classroom material anywhere, anytime. Listen to them while you're exercising, in your car, or even while walking through campus on your way to class. Step to the head of the class, because you'll be prepared in a completely new way!. These CDs will work on any audi CD system. Audio Chapter Reviews: DISC ONE: Chapter 1: Customer-driven marketing Chapter 2: Strategic planning and the marketing process Chapter 3: The marketing environment, ethics, and social responsibility Chapter 4: Global dimensions of marketing DISC TWO: Chapter 5: E-commerce : electronic marketing and the internet for Dot.com and Brick-and-Mortar Marketers Chapter 6: Relationship marketing and customer relationship management (CRM) Chapter 7: Marketing research, decision-support systems, and sales forecasting Chapter 8: Market segmentation, targeting and positioning Chapter 9: Consumer behavior Chapter 10: Busine-to-business (B2B) marketing DISC THREE: Chapter 11: Product strategies Chapter 12: Category and brand management, product identification, and new-product planning Chapter 13: Price determination Chapter 14: Managing the pricing function DISC FOUR: Chapter 15: Marketing channels, logistics, and supply chain management Chapter 16: Direct marketing and marketing resellers : retailers and wholesalers Chapter 17: Integrated marketing communications Chapter 18: Advertising, sales promotion, and public relations Chapter 19: Personal selling and sales-force management
2004
Invisible Giants is a book about leadership, choices in life and the potential within everyone to make a difference. Lindsay Levin, who founded the social enterprise Leaders' Quest in 2001, tells the remarkable stories of some of the people she has met through her work, and their impact on the world. These 'invisible giants' are grassroots leaders who have overcome numerous hardships to re-energise their communities, and business leaders who strive to integrate purpose alongside profit. They are female activists in slums campaigning to end the exclusion of girls from school, and environmentalists who are tackling the effects of industrialisation on the world's ecosystem. They are also the people we meet every day, who are revisiting their life choices. Inspiring and moving, this is also the story of Lindsay's own quest – to ask 'What really matters?' and figure out where the answers can take her.
2014
Instructor`s Resource to book Marketing Management, 8th ed by J. Paul Peter, -McGraw-Hill, c2007.
2007
Di tahun 2012 ini ternyata kondisi perekonomian Indonesia cukup baik dibandingkan tahun – tahun sebelumnya. Hal ini terlihat dari pertumbuhan ekonomi yang meningkat sebesar 6%. Peningkatan ini disumbangkan oleh berbagai sektor perekonomian, mulai dari sektor pertanian, sektor industri, sektor perdagangan dan sektor- sektor lainnya. Peningkatan ini membuat taraf hidup masyarakat semakin meningkat secara perlahan. Selain itu peningkatan ini juga dikarenakan makin giatnya masyarakat untuk berwirausaha ataupun membuat UMKM yang dalam perjalanannya sangat didukung oleh pemerintah, salah satu tindakan pemerintah yaitu dengan memberikan pinjaman tanpa bunga kepada pihak UMKM. Ini membuktikan bahwa orang – orang Indonesia mulai mandiri. Hal seperti ini perlahan dan pasti akan menurunkan tingkat pengangguran. Selain itu tahun 2012 ini seperti yang kita ketahui bersama krisis ekonomi di Eropa namun krisis tersebut tidak berdampak langsung terhadap sektor UMKM di Indonesia. Ini menandakan bahwa UMKM kebal terhadap krisis.
2015
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