Biografi Singkat Prof. Dr. M. Suyanto, MM

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Prof. Dr. M.Suyanto, MM lahir di Madiun, 20 Februari 1960 dan menikah dengan Dra. Anisah Aini serta mempunyai 2 orang putra, yaitu Zidna Ilma Azzahra dan Mohammad Abdan Syakura.

Pendidikan S1 dari FMIPA Fisika Universitas Gajah Mada diselesaikan 1987 dan S2 dari Magister Manajemen. Universitas Gajah Mada lilus 1993. mendapat gelar PhD in Management (USA, 1998) dan telah menyelesaikan Program Doktor (S3) di bidang Ilmu Ekonomi di Universitas Airlangga Surabaya pada 2007.

Pekerjaan sekarang adalah Ketua STMIK AMIKOM Yogyakarta, Direktur Primagama Group , Direktur Pusat Pendidikan Komputer dan Manajemen IMKI, Komisaris utama RBTV, Komisaris Utama PT.GIT Solution, Komisaris Utama Time Excellindo, Komisaris Utama Radio SWA FM, Komisaris Utama Mataram Surya Visi, Komisaris Utama Amikom Training Center, Ketua Dewan Pengembangan Program MM STIE ?ABI? Surabaya, Ketua Yasyasan STIE ?IEU? Yogyakarta, Ketua Dewan Pendiri Yayasan AMA Yogyakarta, Ketua Dewan Pembina AMIKOM Surakarta, Wakil Ketua Yayasan UNU Surakarta, Ketua Dewan Pembina STMIK IMKI Purwokerto, Dewan Pendiri STIE TIM Semarang, Dewan Pendiri AMIK HASS Bandung, Ketua Dewan Pembina Yayasan STMIK IMKI Semarang, Wakil Ketua Dewan Pembina Yayasan Akademi Komunikasi Radya Binatama Yogyakarta, Wakil Ketua Yayasan Bali Globalindo dan Dewan Pendiri ABA Primagama. Disamping itu sebagai Pengasuh kolom METAMORFOSA di Harian REPUBLIKA dan kolom KEWIRAUSAHAAN di Harian KEDAULATAN RAKYAT serta mengasuh acara RAHASIA BISNIS di RBTV

selengkapnya cek di http://msuyanto.com/biografi.php?itemid=6

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Franchisors Offer Their Own Financing Programs

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Franchisors Offer Their Own Financing Programs
Photography by Matt Nager
Money mentor: Steve Caldeira of the International Franchise Association.














Nearly 11,000 new U.S. franchise units opened their doors last year, the first gains the sector has seen since 2008, according to the International Franchise Association (IFA). But the industry--which now comprises more than 747,000 units, up 1.5 percent from 2011--remains in recovery mode. "We still have an 18 percent lending shortfall in the franchise industry," says IFA president and CEO Steve Caldeira.
Franchisors aren't taking the continued credit crunch lying down. Many, such as Meineke, Gold's Gym and The UPS Store, now offer financing programs of their own to first-time and multistore franchise owners who qualify. We spoke with Caldeira about these programs and what hopeful franchisees should know about them.

How many franchisors offer programs like this?
There are probably at least 75 to 100 franchisors right now working on innovative, creative solutions to help both existing and prospective franchisees get into business or expand their business. And I would say that number will continue to increase.
And then you throw in the companies that are stepping up to help the franchise industry get more financing. These are companies that have high visibility, high respect and are increasingly becoming more entrenched in the lending aspect of the franchising industry.
Look at Franchise America Finance. They provide custom lending solutions for franchisees in very reputable franchise systems. They're working with 25 brands in the industry. The UPS Store is one, and Fastsigns, Popeyes, Jersey Mike's and so forth. You've [also] got companies like BoeFly, which harnesses the power of the internet to make franchise access to credit easy, efficient, turnkey. BoeFly matches borrowers and lenders, a lot like Match.com does for people. You've got over 100 franchisors that rely on BoeFly to help franchisees secure financing.

There is something here for everyone, and there are increasingly more resources available for financing."
--Steve Caldeira, IFA "



Steve Caldeira

 
What tips can you offer 'treps about franchisor financing?
First and foremost, do your research and due diligence. Take a close look at the Franchise Disclosure Document, which is required by the Federal Trade Commission. Really try to understand everything you can about the franchise system you may be interested in. Speak to existing franchisees about that brand. Is the brand sound? Do they have a good track record?
Second, truly understand what the financial responsibilities are going to be. Is there real estate involved? When can you expect to turn a profit? What kind of effort goes into being a great franchisee?
Then speak to some of the customers of these [third-party financing] companies. What is their experience? How did their rates and terms compare with those of other companies, SBA-approved banks, commercial lenders, etc.? Try to identify the best deal that fits your particular needs.
How much down payment and collateral do these loans require?
It varies depending on the brand. And the size of the deal might reflect a different percentage that you may have to put down--it is one thing to do a one-store deal and another to do a 10- or 15-store deal. You could have an initial franchise fee and total investment of, say, $5,000, all the way up to several million dollars, depending on what the brand is. You have to look at each situation on its own merit.
Any other considerations, financial or otherwise?
Obviously, you have to have good credit. But at the end of the day, have a passion for what you do. There is something here for everyone, and there are increasingly more resources available for financing, especially if you are trying to align yourself with a proven brand that shows a great track record of growth and franchisee satisfaction.
 
Financial Aid
Here's a sampling of IFA members that have stepped up to help qualified 'treps get in the franchising game or expand their businesses.
Custom swag retailer Instant Imprints offers financing at zero-percent interest for two years.
Marco's Pizza raised $5 million in private equity funding to help franchisees with down payments. Hurricane Grill & Wings raised $10 million toward financing for new and existing franchisees.
Auto body repair and paint franchisor Maaco offers lower license fees and reduced royalties for multistore operators.
Gold's Gym opened a new financing arm to help would-be and existing franchisees secure funding.
Massage Envy has partnered with Franchise America Finance to help franchisees secure loans.
Service-based franchisor The Dwyer Group finances up to 80 percent of its franchise fee for up to eight years.
CiCi's Pizza will take a minority stake in restaurants developed by multi-unit franchisees. The company has set aside $5 million for the program.
Through its Green Associate Assistance Program, Spring-Green Lawn Care will apply up to $10,000 of its initial franchise fee toward startup expenses for candidates who own or are employed by green-industry businesses.

read more : http://www.entrepreneur.com/article/225195

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The Fastest Growing Franchises for 2013

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2013 Franchise 500

The Fastest Growing Franchises for 2013The list of fastest-growing companies from Entrepreneur's 2013 Franchise 500® offers a quick snapshot of the types of businesses with the highest rates of expansion.
Quick-service restaurants are often the first category people think of when it comes to franchising, and for good reason: They dominate the list of fastest-growing franchises, with 25 out of 106 entries. Particularly popular this year is the frozen-yogurt sector, with four companies ranking, and sandwiches, with six--including this year's No. 1 company, Subway.
Entrepreneur's 34th Annual Franchise 500
But fast food is far from the only sector experiencing rapid growth. Ten senior-care companies made the ranking, including one of the youngest franchises on the list, FirstLight HomeCare (No. 46), which jumped into this already-crowded category in 2010 and has proved itself quickly. Commercial cleaning companies continue to thrive as well, thanks in large part to low startup costs. Eight janitorial franchises ranked, including three in the top 10: Jan-Pro Franchising, Vanguard Cleaning Systems and Anago Cleaning Systems.

The companies on this list are ranked based on growth in the number of open and operating U.S. and Canadian units from July 31, 2011, to July 31, 2012. (Ties are listed alphabetically.) In that time, these 106 companies racked up an impressive 9,945 new North American franchise units.
Keep in mind that rate of growth, while a positive sign, is far from the whole picture when it comes to determining whether a franchise opportunity is right for you. Always do your research--read the company's legal documents, consult with an attorney and an accountant and talk to franchisees--before investing in any business.

read more :  http://www.entrepreneur.com/article/225487

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5 Perfect 'Spare-Time' Online Businesses

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With all the doom and gloom news about the economy, there's never been a better time to make an extra paycheck online with a minimal amount of time and effort.

If you have an internet connection, you can get started on the road to having the internet pay for your mortgage, car payment, kids' college tuition, or even that special vacation you've wanted. Now, don't worry that you have to be a tech whiz to start a business online--I'm a complete techno-dunce.

A perfect part-time business would have to be very easy to start, require little time and money and no technical expertise, be easy to maintain with just a few hours a week and have a proven track record with a high probability of success.

There's actually one other important criteria--it has to be perfect for you! Experience has taught me that it's different strokes for different folks, and there is no "one size fits all" perfect business. You're much more likely to be successful if you do something you find fun and interesting.

With that in mind, here are five of the best ways to make extra cash moonlighting on the internet:

1. Information marketing: We're in the information age, and the internet provides you with the ideal medium to exchange know-how for money. Do you know the best fishing holes? How to play guitar? The secrets to a successful marriage? A recipe for moist and delicious brownies? A trick for saving gas?
Think about your career, your hobbies and your interests. Virtually anything you know can be turned into extra cash. And don't worry if you think you're not an expert--as long as you know more than the average person on the topic, that information is valuable.
However, if you don't believe you know anything that others would pay for (highly unlikely), you can take someone else's know-how and make money that way! It could be as easy as interviewing a veterinarian to help you create a dog-training product.
Ninety-two percent of people go online looking for information, and you could be one of the many people cashing in on selling it.

2. eBay: One of the largest online marketplaces makes it a piece of cake to get your own business going. You can open an account and start making money within hours on eBay!
While I dislike that whole "sell your garbage on eBay" thing, there is some validity to it as many people get their start on eBay by selling items from their garage or attic that pre-eBay would have been thrown out. This approach is fine, but where is the business once you run out of those items? If you want to create an eBay business that doesn't require tons of time and effort, you need to leverage products that can be sold over and over again.
This is one of the reasons I'm not a fan of the "eBay seller for hire" kinds of opportunities, where you sell things on eBay for other people. You get access to stuff people want to sell, but because each item is unique you have to work to list each and every one. There's no leverage there!
Take a look at some of the largest eBay PowerSellers and notice how they specialize in very specific products (iPods, cell phones, dog grooming kits, etc.). This allows them to leverage their efforts. A listing is created once, and money is collected over and over again.
Unlike information marketing, this business requires the handling of physical goods, but even that can be automated, so it shouldn't prevent you from considering this idea.

3. Affiliate marketing: This may possibly be the absolute laziest way to make money because it doesn't require you to have a product, make a sale or ever have any interaction with customers.
This is essentially a "referral" business, or as one of my book contributors likes to call it, "passionate recommendations." Basically, you can get paid a referral commission just for sending people to sites (or vendors) that are set up to pay affiliate fees once a sale is made. The vendor does all the selling, fulfills the purchase and handles any customer service issues--and you just collect your check..not bad!
Some people choose affiliates based on who or what is paying the highest commissions, and that certainly is a viable option. Most people opt to choose products or goods they are passionate about so that the process is much more fun and engaging.
Insurance and credit card companies pay high commissions for referrals that convert to customers ($40 to $150 and up), but the competition is fierce. It may pay well, but is this something you'll enjoy doing for the long haul?
Alternatively, you could take a look at your hobbies and other things you enjoy and see which affiliate programs are a good match. As always, do your research to verify the viability of your market. A good place to look for ideas (and downloadable products just waiting for an affiliate) is ClickBank.com.

4. Blogging: This business is best suited for folks who enjoy communicating about a particular subject. Think of blogs as journals of sorts. Although you can have a personal blog, writing about a particular topic will have a higher chance for financial success.
The range of topics is virtually endless--photography, sports cars, parenting, dieting, star gazing, the latest gadgets, Hollywood gossip--you name it, as there are blogs on just about everything you can imagine. Don't worry about competition. Folks who read one blog are apt to read others on a topic they're passionate about, as long as you have something interesting to say.
Once your blog starts getting traffic, you can make money passively with things like AdSense (Google's ad revenue sharing plan) or actively by doing a little bit of affiliate marketing. You can see both types of moneymaking strategies at SparkleCat.com, which is a blog about a person's cat. What makes it interesting is that it's written from the cat's perspective and often refers to her "human." At the top of the page are Google AdSense ads, and sprinkled throughout are suggestions for things like cat furniture and premium cat food, which are tied to an affiliate program. Pretty cool, no?

5. Yahoo! Store: This business is very similar to eBay in the sense that it's a monster-sized marketplace but more similar to a store in the true sense of the word. Think having your own retail outlet but without the hassles of rent, employees, utilities and all the other expenses of a traditional brick-and-mortar store.
The neat thing is that it can be as hands-on or as hands-off as you want it to be because of companies called drop-shippers, which can do most of the work for you. In fact, you don't even pay for the inventory until you make a sale. How cool is that?
Most people think the hard part of this business is creating your virtual store, but nothing could be further from the truth. Yahoo! has made the templates and wizards so easy that, dare I say, even a caveman can do it!
The best way to ensure your success is to do your homework and research what products people most want to buy. You need to find a niche. Once again, start with things you enjoy. Let's say you love fishing. What products do fishing folks want to buy most? (Or get even more specific, like, what are bass fishermen looking to buy?)
Then the task is to find the right source of those products so you can carry them in your Yahoo! Store. In most cases, you'll be able to pull pictures and product descriptions directly from your sources and plug them right into your store.
As you can see, this business requires a little bit more upfront work, but once it's done it can be maintained with very little regular input on your part.
There you have it--five perfect part-time businesses. Are you ready to start moonlighting on the internet now?

  " Yanik Silver is the creator and author of several bestselling online products, but he still can't build his own website. His newest book, Moonlighting on the Internet (Entrepreneur Press), shows just about anyone how they can add an extra paycheck online each month--without an additional job. More information and additional resources can be found at MoonlightingOnTheInternet.com.

sumber : http://www.entrepreneur.com/article/194524

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Biography Bill Gates - Perjalanan Bisnis Microsoft

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William Henry Gates III lahir pada tahun 1955, anak kedua dari tiga bersaudara dalam keadaan sosialnya terkemuka di Seattle, Washington. Ayahnya seorang pengacara dengan perusahaan yang punya banyak koneksi di kota, dan ibunya seorang guru, yang aktif dalam kegiatan amal. Bill seorang anak yang cerdas, tetapi dia terlalu penuh semangat dan cenderung sering mendapatkan kesulitan di sekolah. Ketika dia berumur sebelas tahun, orang tuanya memutuskan untuk membuat perubahan dan mengirimnya ke Lakeside School, sebuah sekolah dasar yang bergengsi khusus bagi anak laki-laki.

Di Lakeside itulah pada tahun 1968 Gates untuk pertama kalinya diperkenalkan dengan dunia komputer, dalam bentuk mesin teletype yang dihubungkan dengan telepon ke sebuah komputer pembagian waktu. Mesin ini, yang disebut ASR-33, keadaannya masih pasaran. Pada pokoknya ini sebuah mesin ketik yang kedalamnya siswa bisa memasukkan perintah yang dikirimkan kepada komputer; jawaban kembali diketikkan ke gulungan kertas pada teletype. Proses ini merepotkan, tetapi mengubah kehidupan Gates. Dia dengan cepat menguasai BASIC, bahasa pemograman komputer, dan bersama dengan para hacker yang belajar sendiri di Lakeside, dia melewatkan waktu ber-jam-jam menulis program, melakukan permainan, dan secara umum mempelajari banyak hal tentang komputer. “Dia adalah seorang ‘nerd’ (eksentrik),” sebagaimana salah seorang guru memberikan Gates julukan itu.

Sekitar tahun 1975 ketika Gates bersama Paul Allen sewaktu masih sekolah bersama-sama menyiapkan program software pertama untuk mikro komputer. Seperti cerita di Popular Electronics mengenai “era komputer di rumah-rumah” dan mereka berdua yakin software adalah masa depan. Inilah awal Microsoft. Komunikasi yang sederhana: Paul dan Gates membicarakan coke dan pizza. Tidak ada orang yang memperhatikan sungguh-sungguh pendapat kami. Semuanya berubah dalam dua dekade terakhir.

Gates masih tetap menyukai junk food, tetapi ia juga menghabiskan waktu dua jam sehari membaca dan menjawab electronic mail yang dikirim 15.000 karyawan Microsoft. Selain itu banyak sekali email dari luar Microsoft.

Gates senang sekali menulis karena melalui tulisan ini membuatnya bisa berkomunikasi dengan kelompok yang lebih beragam tanpa harus teredit hingga terpotong-potong atau tersaring oleh persepsi seseorang.

Konsep Pemikiran Bill Gates
Gates ingat bagaimana menariknya memulai sebuah perusahaan software, ia juga menikmati cerita keberhasilan orang lainnya.
Perusahaan software yang kecil selalu perlahan-lahan mulainya.
Perusahaan dimulai seseorang yang memiliki gagasan. Ia, pria atau wanita, mencari beberapa teman yang tahu bagaimana membuat program dan mereka kemudian menelorkan sebuah produk.
Biasanya mereka membuat produk untuk satu pelanggan dan karena hasilnya memuaskan, mereka segera mendapat pembeli lainnya.
Jika Anda ingin memulai sebuah perusahaan, strategi utamanya temukan lingkungan sosial yang pas.
Lupakan keinginan menciptakan program pengolah kata untuk menulis, atau program spreadsheet untuk menganalisis keuangan, atau produk utama lainnya yang saingannya sudah banyak.
Sebaliknya, ciptakan produk yang bisa menolong penggunanya mengerjakan pekerjaan spesifik atau bisa memberikan informasi praktis dalam bidang seperti obat-obatan, asuransi, akunting, arsitektur atau bidang pemerintahan.
Software seperti itu mendatangkan peruntungan yang kecil-kecilan.
Jika Anda tidak puas dengan peruntungan yang kecil-kecilan itu, Anda harus sampai pada tahapan peralihan generasi. Kali ini mahal dan berisiko.
Setiap beberapa tahun satu generasi teknologi memberikan jalan baru. Ingat munculnya IBM PC di awal tahun 1980-an.
Microsoft bertaruh IBM PC akan menjadi penting. Kemudian Microsoft menciptakan sistem operasi MS-DOS untuk IBM PC.
Hasilnya Microsoft menjadi pelopor dalam software sistem operasi.
Tidak ada yang pernah mendengar mengenai Lotus sampai satu pemikiran cemerlang melaksanakan perubahan generasi menciptakan Lotus 1-2-3 spreadsheet pertama yang dirancang khusus untuk IBM PC.
Apple’s Macintosh dan Microsoft Windows adalah sang pemenang selanjutnya, ketika dunia menginginkan pengolahan grafik dan meninggalkan program lama yang hanya menampilkan teks.
Untuk mendapatkan kemenangan besar, anda pun harus mengkonsentrasikan diri pada perubahan generasi, sesuatu yang diabaikan perusahaan besar. Dan taruhannya mahal sekali.Pelajari untaian sebuah perusahaan yang sudah ada.
Carilah lingkungan sosial anda sendiri.
Berhubunganlah dengan modal ventura.
Temukan orang yang cerdas.

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