JAKARTA - Gartner puts NCR Corporation as one of the 3 providers of care and support for hardware top financial industry in Asia based on the income from services for the year 2008.
"We are proud to be recognized as one of the 3 provider of top hardware support for the financial sector in Asia. We believe that most of our success is due to our ability in a good Managed Services, where the financial industry customers continue to appreciate the quality, reliability and value of services , which enables them to transform their businesses, "said Managing Director of NCR Stuart Buttar in Southeast Asia, through its official statement on Monday (10/8/2009).
NCR Managed Services capabilities to ensure customer banks to improve services and the availability of ATMs in every time. ATM management outsourcing allows banks to focus on the competency of sales and their customer service, and has submitted to the expert management. NCR manages more than 12,000 ATMs for banks all over India and Southeast Asia. Some of the largest bank in India that use Managed Services portfolio includes NCR SBI, HDFC, Punjab National Bank and HSBC. Meanwhile, the leading banks in Southeast Asia has partnered with NCR including OCBC and DBS Bank.
NCR service portfolio provides IT support and integration of best in class, thus strengthening the role of NCR as a leader in self-service technology for the financial industry. NCR enhance customer support by integrating business services from various vendors, in various channels, from one point of accountability.
NCR Managed Services solution that includes complete site identification, installation and operation of ATMs, up to comprehensive supervision and management of ATM networks, including incidence management (IM), monitoring, cash management, cash replacement, software distribution (SDO), first line maintenance (Phm ), the management of disposable goods, maintenance, housekeeping services, network and systems management (NSM), and global enterprise management system
Kamis, 22 Oktober 2009
Building a Financial Communication Betwee Husb a ndand Wife 1
Building a Financial Communication Between Husband and Wife "Love is not enough to support a husband and wife". Perhaps the phrase you often hear. True. Love is not enough to be able to support a husband and wife. Need a lot of other things. One of them is money. But if the money is there, whether it was enough to revive you both and ensure that your marriage will last forever?
The answer is not necessarily yes. Money does not guarantee that a married couple would be prosperous. You may believe, can not. Even more to take care of the communicative fabric of communication. There are many topics that communication occurs in a husband and wife. One of the most critical topics between husband and wife is a financial communications. How to build the communication so that households that you have not broken up?
1. Talk to your husband or wife what and how your view of money and ask your husband or wife do the same. Also pointed out what the objectives of financial management want to achieve later and ask your husband or wife do the same.
2. After knowing each financial goals mate, make a priority of financial goals. Which is better achieved by your first two. The most important and urgent a priority. The need to consider. Desire still pending.
3. Create a plan of how you can both achieve the same financial goals are. What is clear, the plan must be realistic and can be run together. Do not make plans that you both know and believe can not be realized or achieved.
4. Write down what actions should be done by each in the running plan. For example, you will do this, your husband or wife would do that. So you both run the financial plan together.
The answer is not necessarily yes. Money does not guarantee that a married couple would be prosperous. You may believe, can not. Even more to take care of the communicative fabric of communication. There are many topics that communication occurs in a husband and wife. One of the most critical topics between husband and wife is a financial communications. How to build the communication so that households that you have not broken up?
1. Talk to your husband or wife what and how your view of money and ask your husband or wife do the same. Also pointed out what the objectives of financial management want to achieve later and ask your husband or wife do the same.
2. After knowing each financial goals mate, make a priority of financial goals. Which is better achieved by your first two. The most important and urgent a priority. The need to consider. Desire still pending.
3. Create a plan of how you can both achieve the same financial goals are. What is clear, the plan must be realistic and can be run together. Do not make plans that you both know and believe can not be realized or achieved.
4. Write down what actions should be done by each in the running plan. For example, you will do this, your husband or wife would do that. So you both run the financial plan together.
Building a Financial Communication Betwee Husband and Wife 2
Discuss how best to you both in managing day-to-day finances. Decide which of the two of you are going to pay the bills and monthly expenses. Tricks like this can help you both in dividing the concentration.
Determine how much you spend of each partner, without having to first ask each other. The amount of this expenditure to be a sign if you were still able to walk according to the priority needs.
Determine what investments will you both do for the long term. Investments that could be options such as deposits, gold, stocks, mutual funds, insurance, property, and so forth.
Decide whether you will unite two of your money in a separate account or in their own accounts. Once again, it is necessary atmosphere of openness and honesty. If together, you and your spouse must be honest and open. So even if you do not.
Menabunglah together for your future together when no longer work. Discussed frequently with each other about the plan was run. Evaluate the plan at least once a year to see if you both still have the same financial goals and whether the plans that have been run so far it has shown progress in achieving the defined goals.
Inform your income to your wife or husband is not one of the requirements that must be run in building a better financial communication between husband and wife. But if the husband and wife are running a good financial communication, naturally they would voluntarily tell how much income they earn every month
Determine how much you spend of each partner, without having to first ask each other. The amount of this expenditure to be a sign if you were still able to walk according to the priority needs.
Determine what investments will you both do for the long term. Investments that could be options such as deposits, gold, stocks, mutual funds, insurance, property, and so forth.
Decide whether you will unite two of your money in a separate account or in their own accounts. Once again, it is necessary atmosphere of openness and honesty. If together, you and your spouse must be honest and open. So even if you do not.
Menabunglah together for your future together when no longer work. Discussed frequently with each other about the plan was run. Evaluate the plan at least once a year to see if you both still have the same financial goals and whether the plans that have been run so far it has shown progress in achieving the defined goals.
Inform your income to your wife or husband is not one of the requirements that must be run in building a better financial communication between husband and wife. But if the husband and wife are running a good financial communication, naturally they would voluntarily tell how much income they earn every month
Sabtu, 12 September 2009
Margin (finance)
Margin is a term used in the financial world to indicate a mandatory insurance placed by the holder of a position (sell or buy) the security trade, options or futures contracts to protect the credit risk of the partner counterweight (counterparty). Increased risk will occur if the holder to one of the following actions:
* To borrow cash from partners counterweight to buy a security or option
* Conducting security sales or option by how short selling
* To be parties to a futures contract
This guarantee can be in the form of cash or securities placed in a special account called a "margin account". In the U.S. futures exchanges term used officially for this margin is guaranteed performance.
Margin purchases is the purchase of a security by way of some purchases using their own funds and partly using funds borrowed from a stockbroker. This can increase the impact and increase the profit losses. Security is used as a guarantee of the loan. The net value is the difference between security and the value of the loan value is the value of own capital is used in the original purchase. The difference is what should always be kept above the "value of the minimum margin requirement" determined to protect the broker from the fall of security prices to be below the value of the guaranteed debt.
In the era of the 1920s, very free margin requirements where only a very small percentage of the funds themselves are used by investors in buying shares. When shocks on the capital market where the net value of the security falls rapidly below the minimum margin requirements, is forcing investors to sell the position. This is what became one of the factors that play a role in the American stock market crash in 1929 which eventually resulted in the Great Depression.
Margin payment now
Margin payment or current now liquidating margin is the value of the security position if the current will be cashed. In other words, if the holder has a position of "short", this value is the value of the money required to make purchases again, when he was on posis "long" then this value is the value that you obtained by selling the position
* To borrow cash from partners counterweight to buy a security or option
* Conducting security sales or option by how short selling
* To be parties to a futures contract
This guarantee can be in the form of cash or securities placed in a special account called a "margin account". In the U.S. futures exchanges term used officially for this margin is guaranteed performance.
Margin purchases is the purchase of a security by way of some purchases using their own funds and partly using funds borrowed from a stockbroker. This can increase the impact and increase the profit losses. Security is used as a guarantee of the loan. The net value is the difference between security and the value of the loan value is the value of own capital is used in the original purchase. The difference is what should always be kept above the "value of the minimum margin requirement" determined to protect the broker from the fall of security prices to be below the value of the guaranteed debt.
In the era of the 1920s, very free margin requirements where only a very small percentage of the funds themselves are used by investors in buying shares. When shocks on the capital market where the net value of the security falls rapidly below the minimum margin requirements, is forcing investors to sell the position. This is what became one of the factors that play a role in the American stock market crash in 1929 which eventually resulted in the Great Depression.
Margin payment now
Margin payment or current now liquidating margin is the value of the security position if the current will be cashed. In other words, if the holder has a position of "short", this value is the value of the money required to make purchases again, when he was on posis "long" then this value is the value that you obtained by selling the position
Derivatif
In the world of finance (finance), a derivative is a bilateral contract or payment exchange agreement whose value is derived, or derived from the product to be "reference point" or also called "derivative works" (the underlying product); than trade or exchange of a physical asset, market participants make a mutual agreement to exchange money, assets or a value disuatu future with reference to the assets that became the subject of reference.
Derivatives are used by investment management / portfolio management, corporate and financial institutions and individual investors to manage their positions against the risk of price movements of stocks and commodities, interest rates, foreign currency exchange rates "without" affecting the physical position of the reference product (underlying ).
There are many financial instruments that can be categorized in groups of derivatives but the options / futures and swap contracts are commonly known.
* Option
! Main article for this section are: Option (finance)
Options are contracts where one party agrees to pay a reward to the other party to a "right" (but not the obligation) to buy something or sell something to another party; like only someone who worry that the price of the stock will fall XXX before he could sell it, so he pays compensation to another person (called "vendors" selling the option / put option) that agree to buy the stock than the price specified in the (strike price). Buyers use this option to manage the risk of falling value of the stock selling XXX has, on the other side of the option buyer may use the transaction to acquire the option fee and may already have a picture that the sale price of XXX will not be down.
As opposed to selling the option is an option to buy, or so-called call option which the purchase option gives the buyer the option to option rights to purchase the reference assets (underlying asset) at a date agreed with the price determined or known as the option strike
Derivatives are used by investment management / portfolio management, corporate and financial institutions and individual investors to manage their positions against the risk of price movements of stocks and commodities, interest rates, foreign currency exchange rates "without" affecting the physical position of the reference product (underlying ).
There are many financial instruments that can be categorized in groups of derivatives but the options / futures and swap contracts are commonly known.
* Option
! Main article for this section are: Option (finance)
Options are contracts where one party agrees to pay a reward to the other party to a "right" (but not the obligation) to buy something or sell something to another party; like only someone who worry that the price of the stock will fall XXX before he could sell it, so he pays compensation to another person (called "vendors" selling the option / put option) that agree to buy the stock than the price specified in the (strike price). Buyers use this option to manage the risk of falling value of the stock selling XXX has, on the other side of the option buyer may use the transaction to acquire the option fee and may already have a picture that the sale price of XXX will not be down.
As opposed to selling the option is an option to buy, or so-called call option which the purchase option gives the buyer the option to option rights to purchase the reference assets (underlying asset) at a date agreed with the price determined or known as the option strike
Credit (finance)
Credit is a financial facility that allows a person or business entity to borrow money to buy products and pay it back within a specified time period. Law No. 10 in 1998 states that credit is the provision of money or bills that can be equated with that, based on the approval or agreement to borrow loans between banks by another party that requires the borrower to repay the debt after a certain period with the provision of remote interest. If someone uses a credit services, it will attract interest charges.
Contents
Credit Terms
When banks lend money to customers, the bank certainly expect their money back. Therefore, to minimize risk (the money is not returned, for example), in providing bank loans should consider a few things related to good faith (willingness to pay) and the ability to pay (ability to pay) customers to pay back the loan with interest. These consist of Character (personality), Capacity (capacity), Capital (capital), Colateral (guarantee), and Condition of Economy (economic conditions), or often referred to as the 5C (five C).
[edit] Characters
Character, nature, customs debtor (party who owes) is very influential in the provision of credit. Creditor (the lender) can investigate whether the debtor entered into the Register of the despicable (DOT) or not. For that creditors can also examine his bio and information from their business environment. Information from the business environment can be obtained from the supplier and customer of the debtor. Moreover, it can also be obtained from Central Bank information, but can not be obtained easily by the general public, because the information is accessible only by employees of the Bank's credit by using the password and the computer connected on-line with the central bank.
Capacity
Capacity is related to the ability of a debtor to repay their loans. To measure, creditors may examine the debtor's ability in management, finance, marketing, and others.
[edit] Capital
By looking at the amount of capital owned by the debtor or to see how much capital invested in the business debtors, creditors can assess the debtor's capital. The more capital invested, the debtor would be considered more seriously in business.
[edit] Security
Required to guarantee in case the debtor can not repay loans. Usually the value of collateral is higher than the loan amount.
[edit] Economic Conditions
Economic conditions in the surrounding residential debtor also must be considered to take into account the economic conditions that will occur in the future. Economic conditions that need to be considered among other issues the public's purchasing power, market area, competition, technological developments, raw materials, capital markets, and so forth.
Contents
Credit Terms
When banks lend money to customers, the bank certainly expect their money back. Therefore, to minimize risk (the money is not returned, for example), in providing bank loans should consider a few things related to good faith (willingness to pay) and the ability to pay (ability to pay) customers to pay back the loan with interest. These consist of Character (personality), Capacity (capacity), Capital (capital), Colateral (guarantee), and Condition of Economy (economic conditions), or often referred to as the 5C (five C).
[edit] Characters
Character, nature, customs debtor (party who owes) is very influential in the provision of credit. Creditor (the lender) can investigate whether the debtor entered into the Register of the despicable (DOT) or not. For that creditors can also examine his bio and information from their business environment. Information from the business environment can be obtained from the supplier and customer of the debtor. Moreover, it can also be obtained from Central Bank information, but can not be obtained easily by the general public, because the information is accessible only by employees of the Bank's credit by using the password and the computer connected on-line with the central bank.
Capacity
Capacity is related to the ability of a debtor to repay their loans. To measure, creditors may examine the debtor's ability in management, finance, marketing, and others.
[edit] Capital
By looking at the amount of capital owned by the debtor or to see how much capital invested in the business debtors, creditors can assess the debtor's capital. The more capital invested, the debtor would be considered more seriously in business.
[edit] Security
Required to guarantee in case the debtor can not repay loans. Usually the value of collateral is higher than the loan amount.
[edit] Economic Conditions
Economic conditions in the surrounding residential debtor also must be considered to take into account the economic conditions that will occur in the future. Economic conditions that need to be considered among other issues the public's purchasing power, market area, competition, technological developments, raw materials, capital markets, and so forth.
Financial Analysis
Financial analysis used to assess business continuity, stability, profitability of a business, a sub project
or business.
Financial analysis performed by a professional who provides a report in the form of ratios that use the information as presented in the financial statements. This report is usually presented to top management of a business as a reference to taking a company policy.
Based on the results of this analysis, the management may decide a variety of management decisions such as:
* Continuing or not to continue operating a business or part of an effort.
* To manufacture or purchase of raw materials in the production process
* To purchase or lease production machinery
* Doing the issuance of stock or are negotiating to obtain a bank loan to increase working capital the company.
* Various other decisions that allow management to do the right choice for a variety of alternatives in managing the company.
The purpose of financial analysis
Financial analysis is often considered an effort by:
1. Profitability is the company's ability to generate a profit and sustain growth for both short and long term. Corporate profitability is usually seen from the company income statement (income statement) that shows the performance results the company reports.
2. Solvency is the company's ability to meet all its obligations, as measured by a comparison of all liabilities of all assets and the ratio of all liabilities to equity
3. Liquidity is the company's ability to meet obligations smoothness measured by using a comparison between the current assets to current liabilities.
4. Stability is the company's ability to maintain its business in the long term without having to suffer losses. To assess the stability of the company to use an income statement and balance sheet (balance sheet) companies and various financial indicators and other non-financial.
Method
Financial analysis often uses financial ratios of solvency, profitability, business growth.
* Performance of the past for a certain period eg during 5 years
* Performance future: using past performance figures and mathematical and statistical techniques, including the present value and future value. This calculation method is the cause of the financial analysis error statistics of the past which can lead to lower future predictions.
* Compare the performance of comparing performance between companies in similar industries
or business.
Financial analysis performed by a professional who provides a report in the form of ratios that use the information as presented in the financial statements. This report is usually presented to top management of a business as a reference to taking a company policy.
Based on the results of this analysis, the management may decide a variety of management decisions such as:
* Continuing or not to continue operating a business or part of an effort.
* To manufacture or purchase of raw materials in the production process
* To purchase or lease production machinery
* Doing the issuance of stock or are negotiating to obtain a bank loan to increase working capital the company.
* Various other decisions that allow management to do the right choice for a variety of alternatives in managing the company.
The purpose of financial analysis
Financial analysis is often considered an effort by:
1. Profitability is the company's ability to generate a profit and sustain growth for both short and long term. Corporate profitability is usually seen from the company income statement (income statement) that shows the performance results the company reports.
2. Solvency is the company's ability to meet all its obligations, as measured by a comparison of all liabilities of all assets and the ratio of all liabilities to equity
3. Liquidity is the company's ability to meet obligations smoothness measured by using a comparison between the current assets to current liabilities.
4. Stability is the company's ability to maintain its business in the long term without having to suffer losses. To assess the stability of the company to use an income statement and balance sheet (balance sheet) companies and various financial indicators and other non-financial.
Method
Financial analysis often uses financial ratios of solvency, profitability, business growth.
* Performance of the past for a certain period eg during 5 years
* Performance future: using past performance figures and mathematical and statistical techniques, including the present value and future value. This calculation method is the cause of the financial analysis error statistics of the past which can lead to lower future predictions.
* Compare the performance of comparing performance between companies in similar industries
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