Apparently Successful Entrepreneurs Have the X Factor

Are you gifted to be a successful entrepreneur or a loser? Do you have an Intelligence Quotient (IQ), Emotional Quotient (EQ), Spiritual Quotient (SQ), danAdversity Quotient (AQ) high then you think if the business would be successful? Wait a minute, the results of research it turns out there is the X factor that makes a person may success in business.

X Factor is Practical Intelligence (PI). PI that is the differentiating factor between successful entrepreneurs and that is not successful.


According to J. Robert Baum, Director of Entrepreneurship Research at the University of Maryland, USA, PI (Practical Intelligence) is an experience based on the accumulation of skills and knowledge with the ability to apply that knowledge in solving problems every hari.Dengan other words, PI can be described as a "know- how ", said Baum.


The person whose life is oriented learning has the opportunity to become entrepreneurs sukses.Orang that few learn from his experience will only get a few of his ability Practical Intelligence (PI is low). "Practical Intelligence is the result of experiences that directly experienced the lesson material for her , "said Baum. "Those who have a high Intelligence Practical tend to develop knowledge through work (do / practice it) and learn, not by way of seeing and hearing," he said again.


People who have general intelligence (IQ, EQ, etc.) high sometimes fail in business. But many people who have a lower IQ but can be successful in business. Practical Intelligence can explain why this happened, said Baum.


In his research, Baum and colleagues, Barbara Jean Bird (American University) and Sheetah Singh (University of Maryland) to collect data from business growth prediction comparison of new businesses and businesses that have proven successful (experienced). Apparently that has proven successful businessman could predict the development of closer business outcomes (the realization of the target) compared to the newcomers who have not experienced.


The factors that influence it is his experience in dealing with market demand about which products are profitable and attractive market, have sources of funding, experience in the industry and its ability to create a strategic plan for profit. This capability is not owned new businesses.


Because of that plunge directly into the field that they do is the key to success of a pebinis. Practical Intelligence From there it will be built. The higher the learning experience and capabilities of the experience, the higher the Practical Intelligence that his success factor will increase.

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4 Planning Required To Succeed career

They say that planning is half the success. Some say when we fail to plan then we are planning our own failures. Then let's make good planning in order to be always successful.


Planning is very remarkable. If you did not think to make plans for your career, consider this:


· Planning easier and lets you step to success.
· Planning is your success path. So you'll know if it still is on the right track (on the right track) of your success.
· Planning is a fast track your success (on the fast track).
· Planning to make the impossible become possible.
· Planning to measure your performance.




4 Types of Planning Obligation To You to Success in Career


Say you really want to succeed in a career, then you must make planning a super mature. "What should be planned, exactly?" This must be a question mark everyone. I think the 4 things below are planning mandatory for anyone who wants to succeed in any field.


1. Planning Vision


Vision is planning related to your goals. Dreams must be translated into the vision and mission (where you are now, and how you will arrive at the main purpose of your life). According to Brian Tracy, there are 6 things that need to be answered in making a vision-related planning.


- Where are you now? How is your state?
- How did you get here?
- If you want to go from here, where you want to go? What are your goals?
- With what gets there?
- Issues / challenges you'll face what the future?
- What things do you have to speed up your steps?


2. Planning Time


Matters relating to the patterns, habits, and how you use time. And also the target date you set to achieve your vision. For example, if you are a lawyer, how do you manage your time everyday or within a week as optimal as possible to achieve the vision on target.


3. Planning Fees


How much does it cost to achieve your dreams? How much the initial cost to start your business achieve the vision? All need to be structured as clear as possible.


4. Energy Planning


It is sometimes forgotten. Though Jim and Toni Loeke Schwaltz in the best-selling book of his entitled "Skillfully Managing Energy Not Time", saying that it energilah source of our greatest potential. Not time. Energy planning related to technical matters such as, skill, talent, personal branding, personal branding statement, and others.


How is your preparation and planning?

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Let's Celebrate Mistakes

Mistakes are opportunities to learn more

One time, we may make mistakes. And, surely it would make it uncomfortable. But, if we accustom ourselves to choose to learn - rather than just endless regrets - it will make us more mature and develop.


No need to try to cover up mistakes

With a cool head and open heart, while admitting mistakes - though sometimes feels very heavy - in fact it was a relief. Imagine, if we just tried to cover it by all means we must only be imagined shadows with those mistakes and trying desperately not to get caught. Consequently, future work that should be done a maximum, it can not be done because I was busy covering up mistakes. Therefore, Kjerulf suggested, try a more open and discuss about the mistakes made. Thus, when a solution is found, we will be much more relieved and can focus to complete other work.


Strengthen creativity and innovation

Randy Pausch, a famous professor, spearheaded the award, called the First Penguin (penguin first). The award was given to the team in its class the most daring risk-taking and failure. The award was inspired by the story of the first penguins - there's a first - who dare to take risks plunge into the water, knowing exactly in the water there may be predators who are ready to prey on them. However, without the courage of the first penguins, there will be no tens and hundreds of penguins who dared to enter the water.


That form of "sacrifice" the truth-sometimes-need to be done to test the mentality. And, like many historical records, those who pertamalah which usually triumphed. The rest? Is the follower who, if not qualified, just be so-so only ...


Errors usually just open the "door" other opportunities

Still remember the story of adhesive paper Stick a note from 3M, the glue which is considered failed for lack of tacky? But, with some creativity, glue is now just a matter for the paper industry pasting messages easily removed and discarded and the company made a profit of up to billions of dollars. So, when made a mistake, try to learn the other side of that error. Who knew there was something that could dikreasikan to achieve success.


As we celebrate mistakes, we just minimize the chances of making mistakes

Peter Drucker, a management expert-say, a company it should be looking for employees who never made a mistake and fire him. Why? According to Drucker, employees who never make mistakes in fact never did anything. So, never afraid to make mistakes.


Well, with the benefits it deserves if we "celebrate" error.

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Story of The Traces of Gold Brian Tracy - Part 6

We must never try to resolve the many jobs at once. So, what happens? None of the work completed to its conclusion, is not it? The same is true in the effort to achieve success.

6. Scale Setting Priorities and Developing a "Sense of Urgency"

According to Brian Tracy, we will be able to get whatever we want in life provided we develop the habit to set priorities and concentrate fully on one goal. Then, how do we determine that the main priority? Follow the following recipe:

Register for what we must do to achieve a goal. Set priorities by asking yourself these two questions repeatedly: Activities me whether the highest value? Is the only thing I can do, which when done properly, will make a real difference?

After knowing the answer, have a commitment to work with one goal on one of the most important task is. Keep doing it until it has finished 100%. Persistence without distracted or disturbed. Encourage us to keep working until the job is finished.

That said, time is the currency of the 21st century. People are becoming increasingly impatient with everything. Loyal customers will change suppliers overnight, if there are people who can serve them faster than anyone who had been in touch with him.

Therefore, today we are also required to develop a reputation for speed. Develop a "sense of urgency". Move quickly seize opportunities. Move quickly when people want or need something. Move quickly when we see something that needs to be done. If we can combine the ability to choose our highest priority task with a commitment to work quickly and well, we will surely find ourselves moving forward.

Well, until today we've been over half of the gold traces Brian Tracy. Might arise within us would fear to try. It's a common thing, but do not let these fears linger within us. Out of fear to try to have a negative impact on our journey forward. This matter will be explained further in the next section tomorrow. Look forward to!

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Story of The Traces of Gold Brian Tracy - Part 4

4. Invest for Yourself

Since we already know how important saving money, today also decide to invest at least 10% of the income that we derive all our working lives. First set aside 10% of revenue every time we receive it and insert it into the special account for financial accumulation.

If you can not save as much as 10%, do not worry. We can start by setting aside 1% of our income. Set aside at the beginning of each month, even before we start paying all the debts. Inadequate needs of our lives with the remaining 99% of our income. When we feel comfortable living with 99%, naikkanlah our savings rate to 2% of revenue, then 3% and 4% and so on.



Practice is also a simple life. Be careful in spending money no matter how small. This does not mean we are stingy. What is meant here is that we accustom ourselves to be frugal or simple.

Develop the habit of saving and investing money is not easy. However, it does not mean impossible. All it takes is determination and willpower remarkable. We need to define that as a goal, write it down, and do it every time.

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Positive Virus Spread to All Employees

The past decade was the golden age was significant for Bank Mandiri. An increasingly rapid growth of the company making the Bank the red plate as one of the largest banks in the country.

These successes are visible from net income rose from 38.3 percent YoY to Rp6, 389 trillion, Non-Performing Loans (NPLs) Gross and Net fell to 2.19 percent and 0.58 percent, the growth of assets amounting to Rp370, 8 trillion, or rose 7.7 percent year on year, and total loans increased from Rp106, 7 trillion at December 31, 2005 to Rp230, 1 trillion as of 30 September 2010. In terms of customer satisfaction, years ago, Bank Mandiri to obtain the first rank Regular Service Quality Award category Banking Services as well as rank two for Priority Banking Services in 2010 from Carre and Marketing Magazine.

The success of Bank Mandiri's not because participation of all management commanded by Zulkifli Zaini as the Director. Winning a master of business administration (MBA) in finance from the University of Washington, USA, it reveals the Bank supervises the key to success is leadership that focus on improvement in the 4Ps (People, Product, Process, & Place).

"Teamwork is a solid and effective communication from management so that messages can be received clearly by all the beings of Bank Mandiri," he said.

As the banking business, as described Zulkifli, 4P application development is one of them through service.

"Service is good brand will enhance business growth from the increased share of wallet and repetitive transaction from the customer loyal / existing. As for the prospective customer, service brand that either course would be a very strong attraction. Thus, service excellence can be a competitive advantage for business growth in the Bank Mandiri, "he said

In real terms it is manifested in the form of a commitment to provide excellent service to the customer-focused Based on the vision of "Service Living Legend."

"We are committed to building long term relationships based on trust, both with business and individual customers. We serve all customers with international service standards through the provision of innovative financial solutions. We want to be known as the bank that consistently deliver excellent service. Therefore, our commitment is clear, that the service is part of a particular corporate culture of professionalism, customer focus, and excellence, "said the former officials of this state.

A series of programs in terms of both infrastructure and non-infrastructure was encouraged in order to realize this commitment. For the development of such networks, the bank recorded to date has built more than 1296 branches, 5496 ATMs, mobile banking unit 20, and 1,000 micro-banking outlets throughout Indonesia.

As for service, implementing service excellence performed continuously throughout the contact point or a unit in the form of "Three Life Service Bank Mandiri."

"Three Life Service Bank Mandiri can be summarized in one sense, always to offer and provide benefits and solutions to best suit customer needs (customer centric) are easy to implement, convenient, anywhere, and on time." Zulkifli said.

He also emphasized that a company's success in providing valuable experience through outstanding service can not be separated from the participation of all employees, ranging from board level to the level of employee contracts. That's why he gave great attention to the educational process of the service life of Bank Mandiri and view it as a positive virus which must be distributed to all employees. Jitunya One strategy is to try to give good example to his subordinates.

"We as the Bank's management board and the entire head unit provides an example implementation of service excellence in their daily activities to subordinates so that the virus can always continue to be positive to all employees of Bank Mandiri. The head unit as well as a role model who provides corrective action if there are services, attitudes, and behaviors in work units that do not fit with the culture of service excellence Bank Mandiri, "said the man was born in 1956.

In addition, from the internal side, the quality of employees also continually enhanced as a form of maintaining good service quality. This is done with the internalization of cultural services to all employees of Bank Mandiri, including the perception of the service, training, tracking and feedback for improvement, and recognition on an ongoing basis with adjustments to the expectations of customer service standards.

Employees are also given the opportunity to improve their skills through training service, the establishment of cultural change agent and team Mandiri. Appreciation is also expressed in other forms of reward & punishment for employees.

"Employees are the key assets of Bank Mandiri and we recognize the need to continue to invest to improve behaviors, knowledge, and skills to be able to provide excellent service to customers," he explained.

Although not even one year of taking office as a Director of Bank Mandiri, Zulkifli optismistis himself able to continue the transformation to continue to grow with Indonesia.

Real achievement is earned by completing the process of rights issue that gets a positive response from investors and the fund is expected to reach Rp11, 68 trillion. Zulkifli described, with the increase of capital of Bank Mandiri from the rights issue, then the Bank will have adequate capital adequacy level to support the credit growth of 20-22 percent on average per year to five years into the future.

The capital increase will be placed as Bank Mandiri that meet the criteria to be based on the International Bank Indonesia Banking Architecture.

In the year 2014, Zulkifli even confident of being able to bank with the largest market capitalization in Indonesia, and entered the ranks of the Top 5 Banks in ASEAN. Subsequently in 2020, he was aiming to enter the ranks of the Top 3 in ASEAN and a major player in the region.

Various attempts were also intensively carried out in order to meet these targets, among others, with the innovation and utilization of technology and services with high standards to achieve customer satisfaction. Among others, through the payment through e-channels and to develop brand awareness for products of Bank Mandiri through various campaigns and promotions.

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