Mercury primes d'assurance Pratika cherchant the Maximiser les recettes en dehors du produit d'assurance automobile afin of poursuivre l'objectif de production à la fin de l'année devrait prime DePass 450 milliards of dollars.
Directeur du Mercure Pratika Yuna Prabawangi to declare une rude concurrence et les tendances des taux des véhicules cotisation of the claque son côté moteur prendre des mesures pour la Diversification des produits. Agro-industrielles de la technologie des Anciens IPB ajouter a été, qui initialement environ 70% des recettes of primes sont ciblées société de production est dérivée Contributions of prime devenu aujourd'hui une tendance to moteur les compagnies d'assurance du véhicule.
"Cette année, nous des produits développons to Thurs véhicule moteur et non la fin de 2006 devrait être prime au-dessus 450 milliards of dollars, at-il dit lorsqu'il to contact d'affaires, hier
Actuellement, selon lui, il est six large chi joué dans la couverture d'assurance publique, en plus de l'assurance automobile du Groupe, Sinar Mas Jasindo Thurs et est le principal acteur.
Auparavant, dit-il, les compagnies d'assurances détenues actionnaire un individuel par unites large entreprise de perte de biens assuré, en particulier contre-coated therewith (contreplaqué).
Certains produits d'assurance non-détail des véhicules seront maximizes the al moteur d'assurance shopsowner Pratika Mercury (magasin et atelier), or la santé l'assurance des biens Thurs Emballo est dans des soins à domicile.
Yuna dit qu'il n'est plus JOR-tige de la pêche et Davantage sera axé sur l'amélioration du service à la clientèle assuré à la fois les véhicules et les véhicules non motorized.
Il souligne qu'il a également try to maintenir la qualité de la souscription et des gains of the claims Revenus peuvent être maximizes. sélection des risques des Processus or souscription est une activité des sélecteurs contre le risque de réception de la lettre demande or in délivré une police d'assurance.
Yuna ajouter Demeure optimistic of objectif croissance de la production de la prime de cette année peut être un niveau maintenue to 30% que l'an dernier, malgré les états financiers n'ont pas été 2005 achevées.
Il a un rendement demontro Thurs est en mesure of realizing des primes en 2004 s'élève to USD 222.5 milliards, en Hausa par rapport à l'année précédente for 170 milliards Rp investissements, en Hausa of RP1, 9 milliards d ' USD 4.01 milliards.
L'investissement total l'an dernier, les compagnies d'assurance beraset Rp 291.39 milliards enregistré un investissement total of Rp 183.13 billion, en Hausa par rapport à l'année précédente to Rp 108.29 billion
ITechnology: Practice and Culture
In fact, technologically neutral to cultural values, morality and politics? It is believed that this technology provides a system tool-movement values in the region, and also be used to support different types of lifestyles. The rest of the world, said the technology immoral, in addition to accounting, a tool that can be used well or badly. Therefore, this technology is not to blame, and insufficient use manusianya.Dilihat the basic design of machines and operating principles, technology, differs from cultural values. But viewed from a human tissue that surrounds the engine, the technology, it seems, can not be separated from cultural values. Technology is an integral part of human life. We should be able to discern which aspects of cultural values of the technological equipment, the size of the value. As if we respect human activities and technologies, as part of life. The technology should not be regarded simply as machines and technology, but also includes the nature of organization and a certain value. What is technology? In fact, there is still confusion in the development of the concept of "technology". Those who understand the social relations and social management technologies tend to focus on organizational aspects. This is an issue that is important, because often the human factor in technological methods, often ignored, despite the value and individual peculiarities of the technology work. People who think politically, in this part of the organization becomes an important issue. But for others, the technology is identified with the technical aspects (how technology can work to meet the needs). In fact, there are ambiguities in the understanding of cultural aspects. Beliefs and habits of thought of authors and inventors of technology is often regarded as the cultural aspect. But what does that really mean in terms of ideology, organization and technology. When this method is considered in the strict sense, the value of cultural and institutional factors are beyond the technology. In a broader sense, the use of technology is not value free and politically neutral. J.K. Galbraith is a definition of technology at the intersection of broad and narrow sense, illustrated with maps of triangular / triangular (p. 6). He said that technology is a complex activity that includes the organization and values. The role that each person is also increasingly evident. Understand that can cover all of them can be summarized as follows: the application of science and skills through a transparent public institutions, living beings and machines. There is also confusion about the concepts of "technical" and "teknologikal. Limited technical understanding of those who are already known. So when faced with technology, improving the "technology" is being done to improve the technology of work (almost fixed), and "teknologikal calls referred to new discoveries. How to tackle the problem, but not limited to technical aspects and organizational aspects. melatarbelakangiPermasalahan Discover the value often faced with a technological solution and That we often forget the importance of technology in a wider area, Often overlooked budaya.Sangat values necessary for understanding the values underlying the use of technology. Example: current pumps in India. This method is widely used by residents. However, many of the broken pump. It turns out that the root of the problem is not due to technical problems. But also, and administrative issues. many people who using this technology, do not feel responsible for the maintenance of the pump. engineers who developed this pump should know the difference between the hierarchy of values in Which engineers are training and educating people who are untrained. Maybe the bomb, which residents believe is a very powerful tool, and can meet their needs without treatment. You must do research in the social context of traditional society pump.
Perception of what are the dimensions of development (progress), is not it? We tend to focus more on systems of human activity. It 'so hard to understand the general concept that "development" (in progress). Made to measure progress of numerical calculations, which constitute the program. How about how to show serious shortcomings. They tend to be too selective, ie only to see the development of the hand, while another part is not suitable for the development of perkembangannya.Adapun illustrated with diagrams, as its interpretation should be very careful. If the interpretation is too high, they tend to see the opportunities in the future, is only in terms of size, or "linear". Another problem that aggravates the situation is the lack of information and data on the evolution of interpretation terdahulu.Cara Linear effect of expectations for the future. Developed very well in the diagram, which will make people believe he can do in the future. But when you look at the graph in another way, we see that there are violations, demonstrated that the development does not depend so easily and smoothly as itu.Perubahan obtain after a change in the way this view is not visible and important thing happened. At the same time, develop their business is not perfect. Donald Cardwell noted that the real growth is not determined by the most brilliant engineers, but also people with an average capacity in an effort to acquire and use technology effectively. Organising people beberapa KerjaMenurut suatu Maximum work in technology, workers must respect the work Bersama, tutorials, can not have assets that are not mmilik, more sustainable results, more work to improve waktu lama, and accelerate development. It 'important to first determine the capacity of the plant rules, directors, and coordination of workers. The work is intended not just creating goals and working time, but especially labor. The challenge is divided and simplified, and each made by different people. So has the expertise to do the job and slows. The objective is to reduce the wages of individual workers and replaced with a lower cost. Thus, the division of work and success kesulitannya.Banyak deteriorating very ambiguous, as it is defined by a linear fashion, only the advanced technology and human meaning. The service of sustainable progress can lead to erroneous arah.Namun so began the negative effects of simplifying the work already being felt. Opportunity for experts to perform complex tasks in order to feel that their experience is not used properly and tends to decrease over time. In addition, there are teams that will be used more creatively to accelerate, improve governance, and so on. That is why experts generally do not use this option because it can reduce their chances of control results output.Memang no doubt that computerization can help with problems, the complexity of the modern world and reduce the pressure of resources. In addition, the host microprocessor is more compact and energy efficient. However, it seems to reinforce the fact that computerization and centralization of the organization hierarchy in hand modern.Fenomena Rights technological revolution as part of a machine that can replace the position. Hong last if all human beings are replaced by machines or by e-mail. DeductionsTerdapat deterministic two-way forward (progress), ie, linear view "to see the schedule more balanced and stable and prospects that see development in the context of innovation (including its organization). Both are valid, but in principle, the prospect is too linear, simplifying the problem, which can cause a false sense of optimism for the team that developed and deep pessimism in the other groups. This point of view (see the technical side), then it is difficult to avoid. There is no consistency in the application logic, is not flexible. The graph contains no ambiguity and irregularity, because it is a technical reason - is a free contact with humans. These laws, based on internal logic, drives technology "reads" that should guide development. Different views of alternative forms of technological determinism, which shows that technological development is the process of building a stable relationship with people in their development. Then, a series of other social problems, as they say, "cultural lag", where social norms and institutions that do not fit the new developments terakhir.Pola organization must find before the advent of technological innovations. Example: TV is difficult, if not preceded by an increase in knowledge society without the mass media and entertainment, not organizations. We need to understand how the development of our agency for the development of new technologies. Many inventions resulting from presence of social objectives in their minds, but there are also results that led to something harapkan.Dalam progress of modern technology, not just the impact of the means and methods of the society must be understood, but all the agents and components different to support the development and improvement that led to impressive progress in our time. This is a myth, when a cultural lag of any society. As often happens that the technique can not prove, menyesuaikan.Dari because the usual idea that the Technological progress can not be terminated at any time to save? This is because the political objectives behind. It is not too many people who want to stop the development of technologies, but they wanted a decision or vote on how to use it. Movement in the form of progressSatu to try Our new location is looking together in various areas of more general nature in which these elements interact kemajuan.Manusia not machines. He has the ability to make a choice, but the choice is not solely based on what is known. The decision means also a variety of ways to understand the unknown. It is based on a common way of thinking. Innovation is not only the production of rational logic, but also includes the intention and purpose, and reflects the awareness of the opportunities and economic opportunities. innovative movements are generally limited in some areas but in other areas. Example: To increase the production of wheat fields, not only innovation in this sector (quality), but also in the chemical and fertilizers pestisida.Muncul new perspectives that have led to Expectations that the economic downturn view the economy. This, after a bicycle, there are patches and updates. But this approach has other risks. improvement cycle View, that creates an understanding that without human intervention, the process is continued berlanjut.Dalam historical path, there are four long waves of industrialization. Now the citizens of the world was waiting for the fifth round. Industrial development is still a lot of options, and in width. The interpretation of a long wave of industrialization, as a rule, are based on garfik and statistics, which gives only a small part of people's ability. In collaboration with communities, development of case similar to the human habit speaking. When the subject is boring to say, try to replace them with new subjects and develop a theme. What happened to the social and technological evolution. Thus, our attention now, how to preserve the possibility of experience and new developments are still there.
Experience culture Midway TechnologyAdalah result of efforts to resolve the problem, which is only partially understood. To find the best solution, further studies are needed. Even those who believe strongly in research to understand something, do not always expect a lot from him. We know that staff are trained to ignore. They tend to deal with specific problems in a big spending, has blinded them to other aspects. Technology "The best thing you can see the results of characteristics. Refers to the water sector, are less able to apply this idea, I know I do not understand That there are many industries that could use the water to the devastation of technology limbah.Kasus again in the middle, as seen business in the UK. Approximately 15-25% of water is wasted in the UK Because of broken pipes, which are not tested. This fact was not Recognized, tend to think get water. fire the intention of building a new dam and water pipes. This does not solve problems more. So, remember that everything depends not only technically but also includes planning organizations, such as maintenance, utilities, dsb . Layaknya most medical personnel and engineers to think the efforts to cure to prevention. maslaah prevention may seem strange to those who are trained to solve problems. More prediksiDalam many industries, planning is the basis for predicting their future aspirations . Many forecasts overly stressed (overweight), and in some things. weather experts are often chosen this particular area is an area where they are regarded as the most sukses.Contoh where the extreme case of nuclear weapons in America. mispredictions as professionals from working in nuclear research. If nuclear weapons are limited, they are automatically a small role there. Therefore, trying to avoid the ideas of other experts who see this problem with greater precision in terms of technology experts have created the world luas.Para a more dangerous place, They do what they perceive as their job. not only technical issues to be considered, but the political and organizational strength behind it. Consequently, new approaches and values necessary for the professional culture. Problems with various sebabSemakin development of our understanding, our appreciation for what we know as a rule are always the same side, so we got half way to see this technology as a breakthrough. These conflicts arise because we are more inclined to think that the provision of raw materials, rather than on the human factor. Another injury is the usual, is a challenge, because one of the reasons why I was so sederhana.Untuk solution requires only that given the problems that would have been better if it is the opinion of experts the various sectors that could see the difficulties that they understand. confusion arises when we consider the development of a simple explanation, based on a mind. MispersepsiKebiasaan Chapter thinking is limited to technical fields has led to misunderstandings. When the maps described triangular chapter in Galbraith expanded again, can clearly see its value in Problem Areas disalahpersepsikan. the human aspects of technology. This is often ignored. human factors in technology also includes organizational and cultural. In practice, users sometimes calls industry to replace old technologies with new equipment rather than repair. but only to give a creative idea to fix their equipment they had. This means, for example, keeping the industry organization, the activity of people (users). This is an example of design mispersepsi.Para technology experts, usually only see the field (experts) and users tend to ignore the field (the user). When considered practical. This is really high technologies. midway between the technologies that are usually visible only on the level of experience. Thus, teams are often too high and the cost mahal.Yang run is to improve his career prospects in order to limit the number of errors. Therefore, they are not compatible with the growth crisis in the world, but offers solutions. Remember that each problem has many causes, because I can not find a single solution, but in many areas.
Perception of what are the dimensions of development (progress), is not it? We tend to focus more on systems of human activity. It 'so hard to understand the general concept that "development" (in progress). Made to measure progress of numerical calculations, which constitute the program. How about how to show serious shortcomings. They tend to be too selective, ie only to see the development of the hand, while another part is not suitable for the development of perkembangannya.Adapun illustrated with diagrams, as its interpretation should be very careful. If the interpretation is too high, they tend to see the opportunities in the future, is only in terms of size, or "linear". Another problem that aggravates the situation is the lack of information and data on the evolution of interpretation terdahulu.Cara Linear effect of expectations for the future. Developed very well in the diagram, which will make people believe he can do in the future. But when you look at the graph in another way, we see that there are violations, demonstrated that the development does not depend so easily and smoothly as itu.Perubahan obtain after a change in the way this view is not visible and important thing happened. At the same time, develop their business is not perfect. Donald Cardwell noted that the real growth is not determined by the most brilliant engineers, but also people with an average capacity in an effort to acquire and use technology effectively. Organising people beberapa KerjaMenurut suatu Maximum work in technology, workers must respect the work Bersama, tutorials, can not have assets that are not mmilik, more sustainable results, more work to improve waktu lama, and accelerate development. It 'important to first determine the capacity of the plant rules, directors, and coordination of workers. The work is intended not just creating goals and working time, but especially labor. The challenge is divided and simplified, and each made by different people. So has the expertise to do the job and slows. The objective is to reduce the wages of individual workers and replaced with a lower cost. Thus, the division of work and success kesulitannya.Banyak deteriorating very ambiguous, as it is defined by a linear fashion, only the advanced technology and human meaning. The service of sustainable progress can lead to erroneous arah.Namun so began the negative effects of simplifying the work already being felt. Opportunity for experts to perform complex tasks in order to feel that their experience is not used properly and tends to decrease over time. In addition, there are teams that will be used more creatively to accelerate, improve governance, and so on. That is why experts generally do not use this option because it can reduce their chances of control results output.Memang no doubt that computerization can help with problems, the complexity of the modern world and reduce the pressure of resources. In addition, the host microprocessor is more compact and energy efficient. However, it seems to reinforce the fact that computerization and centralization of the organization hierarchy in hand modern.Fenomena Rights technological revolution as part of a machine that can replace the position. Hong last if all human beings are replaced by machines or by e-mail. DeductionsTerdapat deterministic two-way forward (progress), ie, linear view "to see the schedule more balanced and stable and prospects that see development in the context of innovation (including its organization). Both are valid, but in principle, the prospect is too linear, simplifying the problem, which can cause a false sense of optimism for the team that developed and deep pessimism in the other groups. This point of view (see the technical side), then it is difficult to avoid. There is no consistency in the application logic, is not flexible. The graph contains no ambiguity and irregularity, because it is a technical reason - is a free contact with humans. These laws, based on internal logic, drives technology "reads" that should guide development. Different views of alternative forms of technological determinism, which shows that technological development is the process of building a stable relationship with people in their development. Then, a series of other social problems, as they say, "cultural lag", where social norms and institutions that do not fit the new developments terakhir.Pola organization must find before the advent of technological innovations. Example: TV is difficult, if not preceded by an increase in knowledge society without the mass media and entertainment, not organizations. We need to understand how the development of our agency for the development of new technologies. Many inventions resulting from presence of social objectives in their minds, but there are also results that led to something harapkan.Dalam progress of modern technology, not just the impact of the means and methods of the society must be understood, but all the agents and components different to support the development and improvement that led to impressive progress in our time. This is a myth, when a cultural lag of any society. As often happens that the technique can not prove, menyesuaikan.Dari because the usual idea that the Technological progress can not be terminated at any time to save? This is because the political objectives behind. It is not too many people who want to stop the development of technologies, but they wanted a decision or vote on how to use it. Movement in the form of progressSatu to try Our new location is looking together in various areas of more general nature in which these elements interact kemajuan.Manusia not machines. He has the ability to make a choice, but the choice is not solely based on what is known. The decision means also a variety of ways to understand the unknown. It is based on a common way of thinking. Innovation is not only the production of rational logic, but also includes the intention and purpose, and reflects the awareness of the opportunities and economic opportunities. innovative movements are generally limited in some areas but in other areas. Example: To increase the production of wheat fields, not only innovation in this sector (quality), but also in the chemical and fertilizers pestisida.Muncul new perspectives that have led to Expectations that the economic downturn view the economy. This, after a bicycle, there are patches and updates. But this approach has other risks. improvement cycle View, that creates an understanding that without human intervention, the process is continued berlanjut.Dalam historical path, there are four long waves of industrialization. Now the citizens of the world was waiting for the fifth round. Industrial development is still a lot of options, and in width. The interpretation of a long wave of industrialization, as a rule, are based on garfik and statistics, which gives only a small part of people's ability. In collaboration with communities, development of case similar to the human habit speaking. When the subject is boring to say, try to replace them with new subjects and develop a theme. What happened to the social and technological evolution. Thus, our attention now, how to preserve the possibility of experience and new developments are still there.
Experience culture Midway TechnologyAdalah result of efforts to resolve the problem, which is only partially understood. To find the best solution, further studies are needed. Even those who believe strongly in research to understand something, do not always expect a lot from him. We know that staff are trained to ignore. They tend to deal with specific problems in a big spending, has blinded them to other aspects. Technology "The best thing you can see the results of characteristics. Refers to the water sector, are less able to apply this idea, I know I do not understand That there are many industries that could use the water to the devastation of technology limbah.Kasus again in the middle, as seen business in the UK. Approximately 15-25% of water is wasted in the UK Because of broken pipes, which are not tested. This fact was not Recognized, tend to think get water. fire the intention of building a new dam and water pipes. This does not solve problems more. So, remember that everything depends not only technically but also includes planning organizations, such as maintenance, utilities, dsb . Layaknya most medical personnel and engineers to think the efforts to cure to prevention. maslaah prevention may seem strange to those who are trained to solve problems. More prediksiDalam many industries, planning is the basis for predicting their future aspirations . Many forecasts overly stressed (overweight), and in some things. weather experts are often chosen this particular area is an area where they are regarded as the most sukses.Contoh where the extreme case of nuclear weapons in America. mispredictions as professionals from working in nuclear research. If nuclear weapons are limited, they are automatically a small role there. Therefore, trying to avoid the ideas of other experts who see this problem with greater precision in terms of technology experts have created the world luas.Para a more dangerous place, They do what they perceive as their job. not only technical issues to be considered, but the political and organizational strength behind it. Consequently, new approaches and values necessary for the professional culture. Problems with various sebabSemakin development of our understanding, our appreciation for what we know as a rule are always the same side, so we got half way to see this technology as a breakthrough. These conflicts arise because we are more inclined to think that the provision of raw materials, rather than on the human factor. Another injury is the usual, is a challenge, because one of the reasons why I was so sederhana.Untuk solution requires only that given the problems that would have been better if it is the opinion of experts the various sectors that could see the difficulties that they understand. confusion arises when we consider the development of a simple explanation, based on a mind. MispersepsiKebiasaan Chapter thinking is limited to technical fields has led to misunderstandings. When the maps described triangular chapter in Galbraith expanded again, can clearly see its value in Problem Areas disalahpersepsikan. the human aspects of technology. This is often ignored. human factors in technology also includes organizational and cultural. In practice, users sometimes calls industry to replace old technologies with new equipment rather than repair. but only to give a creative idea to fix their equipment they had. This means, for example, keeping the industry organization, the activity of people (users). This is an example of design mispersepsi.Para technology experts, usually only see the field (experts) and users tend to ignore the field (the user). When considered practical. This is really high technologies. midway between the technologies that are usually visible only on the level of experience. Thus, teams are often too high and the cost mahal.Yang run is to improve his career prospects in order to limit the number of errors. Therefore, they are not compatible with the growth crisis in the world, but offers solutions. Remember that each problem has many causes, because I can not find a single solution, but in many areas.
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