Hi Risk, Can I Meet Return?

I've learnt something in Investment Management, a class--well I'm not supposed saying it's a class though; well it's a subject of my study--I'm currently running for this semester. It is said that there are two psychological types of investor: the risk averse, and the risk taker.

The Risk Averse investors tend to avoid any kinds of risks on their portfolio investment. There are some risks that I wont elaborate more on this post besides this one famous risk: Market Risk. If you wanna feed up your curiousity about what Market Risk is, I think you'd better do ask Uncle Google. This aint an economic blog post anyway, just trying to relate to :p

And the second type of investor is The Risk Taker. This kind of investor takes risks with the hope that he'll got the return of his portfolio investment equal (or even more) to the risks he took. To simplify: high risk, high return. He takes risks to get the return in the future. So what is this return gonna be anyway? Oh it can be coupons, capital gains, and dividends.

And why are you doing this relating-Investment-Management-to-blog-post anyway?

That's because I have taken a high risk, and hoping that I'll get a high return from the risk I just took.

And the risk you've taken?

Presenting my Essay Presentation on Best Student Competition (it's an internal competition actually, where the participants are chosen by their cumulative GPA through the semesters) in English!!!!
I don't mean to show off or else to you guys but really, I was just thinking that I have this little nibble ability in English so why cant I just give it a try on this competition?

Okay. But excuse me, what's the risk again?

You know. Making this presentation in English is quite simple though. I pick the simplest word and I get away from the confusing economic terms and names. And I'll explain them in the simplest words I may arrange.
AND THEN THE RISKS ARE... I'm so afraid of the judges. They're all my lecturers, they've gone abroad to work and to study in Germany or Australia or America or Netherlands or so. They must be so damn good in English and that they may find me arranging or saying wrong words, or severely, wrong grammar!!
PLUS... What if they ask me questions I cant answer? And even lame, what if the question itself I cant understand? What if they ask me "why'd you present it in English but your Essay is in a good Bahasa Indonesia?"?
PLUS... If I fail presenting this in a Very Good English, I may get minus or many minuses on my scores. And that I'll be failing for the next level of the competition.
PLUS... Some people will see me as a Miss-Show-My-English-Off but tell ya the truth I cant even do the best English. I cant even write a good article in English. Cant you see the risk?????

Err... yup but... let's say you are not failing. You're succeeded. And the return will be?

Well it's obvious that I'll get the plus points to my score and making my presentation differ to other competitors--which THAT I've been looking for. And also, it's for my very own self-actualization means that I actually use my little capability in English. Not only for blogging, but also for speaking and presenting an idea. Though I'm not writing the Essay in English.

Do you have plans?

I keep three plans. Plan A is presenting the whole package in English with the PowerPoint Presentation I made in English. Poles apart, Plan B is presenting the whole package in Bahasa with the PowerPoint I made in Bahasa (if some times I later I get really nervous and finally I become the risk averse investor). While Plan C is combining both language, in English and in Bahasa, with the PowerPoint in Bahasa. Seems like Plan C is more safe. Err, gonna consider about this very soon.



Oh well... Wish me luck.

Wish me a bunch of luck.

Sayap Sayap Patah

Wahai langit

Tanyakan pada-Nya, mengapa Dia menciptakan sekeping hati ini

Begitu rapuh dan mudah terluka

Saat dihadapkan dengan duri-duri cinta

Begitu kuat dan kokoh

Saat berselimut cinta dan asa

Mengapa Dia menciptakan rasa sayang dan rindu di dalam hati ini

Mengisi kekosongan di dalamnya

Menyisakan kegelisahan akan sosok sang kekasih

Menimbulkan segudang tanya

Menghimpun berjuta asa

Memberikan semangat juga meninggalkan kepedihan yang tak terkira

Mengapa Dia menciptakan kegelisahan dalam jiwa

Menghimpit bayangan

Menyesakkan dada

Tak berdaya melawan gejolak yang menerpa

Wahai ilalang

Pernahkan kau merasakan rasa yang begitu menyiksa ini?

Mengapa kau hanya diam, katakan padaku!

Sebuah kata yang bisa meredam gejolak jiwa ini

Sesuatu yang dibutuhkan raga ini

Sebagai pengobat rasa sakit yang tak terkendali

Desiran angin membuat berisik dirimu

Seolah ada sesuatu yang kau ucapkan padaku

Aku tak tahu apa maksudmu

Hanya menduga

Bisikanmu mengatakan ada seseorang di balik bukit sana

Menunggumu dengan setia

Menghargai apa arti cinta

Hati terjatuh dan terluka

Merobek malam menoreh seribu duka

Kukepakkan sayap - sayap patahku

Mengikuti hembusan angin yang berlalu

Menancapkan rindu

Di sudut hati yang beku

Dia retak, hancur bagai serpihan cermin

Berserakan

Sebelum hilang diterpa angin

Sambil terduduk lemah Ku coba kembali mengais sisa hati

Bercampur baur dengan debu

Ingin ku rengkuh

Ku gapai kepingan di sudut hati

Hanya bayangan yang ku dapat

Ia menghilang saat mentari turun dari peraduannya

Tak sanggup kukepakkan kembali sayap ini

Ia telah patah

Tertusuk duri yang tajam

Hanya bisa meratap

Meringis

Mencoba menggapai sebuah pegangan

KAHLIL GIBRAN

Making IT, Never Been Easy as Scrambling an Egg

For some theories of making decisions I've learnt, there are steps must go through before somebody finally make a decision. And for all I can recall, the steps are:

1. Analyzing Problems. This means somebody is in the middle of a problematic situation, because a deviation of its standard, and seeking for the right MPC (Most Probable Causes) is extremely needed.
2. Analyzing Decisions. In this step, the MPC is already known. Then, one has to analyze the right decision to take. The decision itself has to be efficient and effective.
3. Analyzing Implementation. This is the last step, and it's done after one has the decision decided. In this step, one has to really consider both the benefit and the risk of the decision taken; and one has to really run the decision made.

Teknik Pengambilan Keputusan Class
Ir. Abdussalam, MM, Indonesia Banking School

And now, what is that theory above related to this post? Frankly, been trying to connect any theory I've learnt at the uni for each blog post :p

Well, as a future miss Manager who will take many critical decisions for the company, I am currently learning to take brilliant decisions for myself my future with also considering the benefit and the risk.

I DROP MY FINAL TASK AS A FINAL SEMESTER STUDENT.

Which also, if you'd like to read re-phrased:
I drop my proud to be a student who pass the uni for only three and a half year.
I drop my parents' proud for having their daughter pass the uni for less than four years study.

Believe me, this wasn't an easy decision to make at all.

Anyway. Let's speak Indonesia.
Kebandelan gue pada semester 4 bukan jadi alasan untuk gue ngga ikut skripsi. Soal dua mata kuliah gue yang masih D dan E itu bisa gue perbaiki dengan ambil kelas ekstensi di semester ini. Lalu, semester 8 gue bebas dan bener bener bebas--seandainya gue bener ambil. Biaya untuk bayar skripsi juga bukan alasannya. Bukan juga perlengkapan pendukung skripsi seperti laptop atau apapun, gue udah punya, Alhamdulillah.

"gw penasaran kenapa lw tunda skripsi lw?"
*deep inhale, smooth exhale*
Apakah itu sudah menjawab pertanyaan lo--helaan napas gue? Belum? Oke. Ini mungkin kedengarannya payah. Bahkan sangat payah. Hanya karena gue kehilangan ambisi dan ngga punya penyemangat.

"Tapi lo kan punya gue...."
Gue tau, gue punya sahabat yang baik dan pengertiannya naujubillah macem lo. Tapi gue juga tau, ada batasan bahwa ngga selamanya sahabat itu bakal ada untuk sahabatnya. Hey, ada si "abang" yang butuh lo perhatiin juga kan? ;)

"Untuk memulai memang susah, Fan, tapi saat udah dijalanin, Kakak yakin kamu mampu."
Untuk kali ini, Kak, aku sendiri ga yakin aku bisa.

"Payah! Payah!! Masa nyerah sebelum perang???"
Gue ngga nyerah! Gue cuma belom siap. Hahaha semoga itu berarti beda buat lo, sob, nyerah dan belom siap.

"Skripsi aja, Fan, kalo gagal tinggal SP."
Heh, sengkle lo! Mana ada skripsi di SP??
"Lo harusnya ngerti makna bahasa gue. Skripsi itu mudah."
Iya tapi menjadi susah ketika lo ga semangat untuk ngerjainnya.

"Kesempatan emas loh untuk lulus cepet, dan lulus 3,5 tahun itu ada value nya sendiri."
Ya, tapi...

Mungkin memutuskan untuk segera skripsi atau tidak bagi mahasiswa tingkat akhir seperti gue itu seperti memutuskan bagi yang berkepentingan untuk segera menikah atau tidak. We both really need to consider the risk and the benefit. It's not a short term plan--no. And when we decide, we decide for our future. Our very own future.

Ibel, Mahesa, semoga terus disemangati yaa sama penyemangat pribadi kalian! Ahiw.
Indah, semoga ambisi lo tetap berkobar yaa!


Jadi dengan ini,
selamat berjumpa skripsi, di semester lapan! :D

I Lost My Ambition, Mum...

"Mah, Fany ga jadi skripsi semester ini ya. Lulusnya 4 tahun, deh."

"Kok gitu? Tenang aja ka, kalo soal biaya sih mamah ada. Ga usah dipikirin."

"Bukan."

"Terus? Kok ga jadi?"

"Ga semangat, mah. Ga ada semangatnya."

"Kenapa ga ada semangatnya?"

"*menggeleng dan mengangkat pundak*"


Kenapa ga ada semangatnya?

Hilang, mah. Gatau adanya dimana. Fany juga ga mau kehilangan semangat. Percaya deh, biasanya Fany selalu sanggup ngapa-ngapain sendiri. Fany kan mandiri, seperti yang selalu Mamah liat. Kesana kemari sendiri, ga masalah. Bahkan nonton konser Maroon 5 aja sendiri--ga masalah, yang penting ambisi Fany untuk bisa nonton Maroon 5 tercapai. Biasanya mau ujian apapun ambisinya tetap nyala, ga redup sekalipun. Mau ada yang semangatin kek, ga ada yang semangatin kek, bodo amat. Yang penting tujuan Fany tercapai dan harus tercapai. Tapi sekarang? Hilang, mah, gatau kemana.

Fany ga punya penyemangat, Mah.

Miss Manager :D

Menurut sebuah buku text book perkuliahan yang gue pernah baca berjudul "Management" oleh Stephen P. Robbins dan Mary Coulter, definisi Manajemen adalah proses pengorganisasian kegiatan-kegiatan pekerjaan sehingga pekerjaan tersebut terselesaikan secara efisien dan efektif dengan dan melalui orang lain. Efisien dan efektif itu sendiri masing-masing adalah doing things in the right way and doing the right things.



Dan, seperti yang juga pernah gue pelajari waktu SMA dulu, Blablabla Fayol mengungkapkan bahwa fungsi manajemen dapat dirangkum dalam satu kata: POAC --- Planning, Organizing, Actuating, and Controlling. (If I'm not mistaken though. Oh c'mon, High School--it's been too long. I'm now almost graduate from the uni so.. well...)

Anyway. Planning is how you define your goals, strategy, and integrate your plans toward your goals. Organizing is how you define your to-do tasks, who doing this and that, how to do this and that, and decisions made. Actuating (or sometimes it's said Leading) is how you motivate your staff, influence other, communicate with other, and solve problems. While Controlling is to control, to rule, and to correct actual performance towards standards (I'd say towards the goals--whether the actual performance made help you to reach the goals or not).

Now, I want to explain deeper about the fourth Function of Management: Controlling. Controlling atau pengendalian, from my point of view, dapat dilakukan oleh beberapa pihak yang sering disebut stakeholder. Sejauh yang gue inget sih ada dua turunan dari stakeholder: primer dan sekunder. But I'm not going any deeper about each of the derivative of stakeholder. I'm just going to say that one of the stakeholder, besides the stockholder and the manager themselves (say, the stockholder is my parents dan the manager is me) is the people of the environment. Yup, "the people" here is YOU. YOU, readers, are now also contributing to control me having my goals achieved.

And how is it connected, from the theory I explained above to the real life? I mean, to my current activities and goals? Sebelum lebih jauhnya, seperti di kuliah Teknik Pengambilan Keputusan (TPK) yang tengah gue pelajari bahwa sebelum mengambil keputusan terdapat beberapa kriteria menyangkut baik atau buruknya keputusan itu dibuat, maka:

Nama: Diofany Hervilita
NPM: 200811026
Konsentrasi Jurusan: Manajemen Keuangan
(lalu merasa khilaf memilih Manajemen Keuangan)
IP Target Semester 7: 3,45
(terpaksa menyetujui ini karena dipaksa sama Mbak Ossi, dosen pembimbing akademik T___T)
Tantangan Bila Target Tidak Tercapai: Mengenakan baju pink, kerudung pink, celana pink, duduk di lobby depan IBS selama 3 jam alias menjadi Patrick!!
(ini karena warna pink adalah warna terakhir yang akan gue pilih dalam suatu urutan warna, dalam arti, ga terlalu suka pink)

dengan ini mengharapkan bantuannya untuk menggampar gue kalo kalo gue cuek dan lupa soal target gue. Dan mohon disemangati juga ya. Pake pom pom segede panci kalo bisa.

Amit amit jabang bayi, gue OGAH pake baju serba pink dan duduk di lobby selama 3 jam!!!

And umm, masalah sekripsi, (inhale, exhale) gue masih juga belom bisa memutuskan, apa ambil semster ganjil ini atau semester depan. *jedotin kepala*



HELP!!