THE NEW ECONOMY, IT, AND CHARACTER BUILDING Roy Sembel, PhD Smart_WISDOM@yahoogroups.com BPK Penabur, Jakarta April, 2005

1984-87 Teaching Assistant, FMIPA, IPB. Roy Sembel, PhD Smart_WISDOM@yahoogroups.com EDUCATION 1982-86 IPB, Bogor. FMIPA. Major: Statistics, Minor: Economics; Ir., Best Graduate, Cum Laude 1988-90 Rotterdam School of Management, Erasmus University Rotterdam and The Wharton School, University of Pennsylvania Philadelphia MBA, Finance/Banking, Best Graduate, With Honours 1991-96 J.M.Katz Graduate School of Business, University of Pittsburgh; Major: Corporate Finance; Minor: Econometrics PhD; Dissertation: “IPO Anomalies, Truncated Excess Supply, and Heterogeneous Information” WORK EXPERIENCE 1984-87 Teaching Assistant, FMIPA, IPB. 1990 Internship; ABN Bank, European Treasury Department, Amsterdam. 1990-91 Corporate Banking; ABN AMRO Bank Amsterdam 1994-96 Teaching Assistant, University of Pittsburgh. 1994-2000 Co-founder of Indonesian Physics Olympic Team (TOFI) Foundation and Indonesian Computer Olympic Foundation (TOKI) 1997-98 Economics & Finance Staff, Office of Dr (HC) Radius Prawiro, Jakarta. 2000 ACUCA Lecturer: Japan, South Korea, Taiwan, Hong Kong, The Philippines, Thailand 1987-2001 Lecturer, Faculty of Economics, Christian University of Indonesia, Jakarta. 1997-2001 Visiting Lecturer at IPMI, Institut PPM, Magister Management Program University of Indonesia, University of Sam Ratulangi, Universitas Lampung, Magister Akuntansi & Post Graduate (S2 & S3) Program Faculty of Economics University of Indonesia, Pelita Harapan University, IPB. Subjects: Investment Analysis and Risk Management, Corporate Finance, International Finance, Derivative Securities, Managerial Economics, Banks & Capital Markets, eBusiness Management. 1998-2001 McKinsey & Co, Jakarta 2001 Direktur Program Magister Manajemen Keuangan Universitas Bina Nusantara, Co-founder Indonesia Learning Institute (InLIne), Indonesia School of Life (UbSchoOL) MISCELLANEOUS Speaker in many seminars in Indonesia, USA, and Europe. Writer of more than 500 articles in KONTAN, GATRA, Sinar Harapan, SWA, Bisnis Indonesia, KOMPAS, PILAR, Warta Ekonomi, Manajemen & Usahawan Indonesia, InfoBank, Jurnal Pasar Modal, Media Akuntansi, DIA, Jurnal Ekonomi UKI, Scripta Economica UPH, Jurnal, Sinergi MMUII, published books, Internet.

TEKNOLOGI MENINGKATKAN KECEPATAN Lama periode [tahun] Kecepatan [km/jam] Time to cycle Earth [tahun] Era Agrarian 3-5000 (Age) 3-5 (Human) 3-5 (Years) Industrial 3-500 (Revolution) 3-50 (Auto) .3-.5 (Months) Post-industrial 3-50 (Trend) 3-500 (Plane) .03-.05 (Days) Friction-free 3-5 (Fad) 3-5000 (Network) .003-.005 (Hours) Sumber: Diolah dari T. G. Lewis, The friction-free economy

The way we live and behave will fundamentally be changed MATRIX WIRELESS SERVICE REVOLUTION WIRELESS + INTERNET 1+1=2 Two separate revolutions Wireless datacom enabling technologies Change in human behavior 1+1>2 Wireless and datacom enhance each other Standards drive massive application and service development Revolution in human behavior and society  Datacom is everything. Everything is wireless All “gadgets” are addressable in one uniform network Change beyond imagination -00 00-05 05-

EKONOMI BARU ? EKONOMI BARU EKONOMI LAMA Digitisasi / E-commerce Baru struktur pasar Baru struktur industri Baru struktur perusahaan Mobilitas kapital Liberalisasi

TIGA FAKTOR KUNCI EKONOMI BARU Penghematan biaya Lebih banyak pilihan Pelayanan 24 jam sehari Hanya sejauh ‘click’ Biaya interaksi Biaya Transformasi Interaksi dan transaksi lebih banyak dan cepat Globalisasi dan lokalisasi Unbundling dan reassembling organisasi bisnis, pemerintah, instrumen finansial Pelayanan konsumen secara lebih baik Kebangkitan Ekonomi Baru Transparansi dan persaingan Seleksi alam lebih cepat ‘Sticks and carrots’ untuk lebih efisien dan inovatif

TEKNOLOGI INTERAKSI BERPERAN BESAR DALAM MEMBANGUN EKONOMI BARU DENGAN TI: Informasi tersedia 24 jam sehari, 7 hari seminggu dapat diakses dari semua tempat yang memiliki akses TI bersifat lebih demand-driven (sesuai dengan kebutuhan dan permintaan) Interaksi antar manusia Lebih mudah, tidak perlu hadir secara fisik Lebih cepat dari surat pos tercepat Lebih banyak alternatif: teks / tulisan, suara, gambar; satu arah dan dua arah; batch dan interactive Lebih murah dari interlokal telepon atau surat express Berdampak besar terhadap aktivitas bisnis, ekonomi, politik, dan kehidupan sehari-hari

PENURUNAN BIAYA AKIBAT E-BANKING BIAYA TRANSFER ANTAR BANK ACCOUNT Insentif besar untuk meng-onlinekan transaksi US$1.27 Here are some examples of how interaction costs will collapse. On the left is the cost of making a transfer from one bank account to another account. If the customer visits a bank branch, the cost is $1.27. An ATM costs $0.27 cents. But an internet transaction can cost as little as 1 cent per transaction. On the right hand side is some recent research on procurement costs. The internet can reduce procurement processing costs by 90%, and overall procurement costs by more than 10%. 0.27 0.01 Lewat Teller Via ATM Lewat Internet Source: Lehman Brothers; British Telecom

SUMBER REJEKI BARU: ASET INTANGIBLE Intangibles Properti intelektual SDM Unggul Merek / Brand Network

KOMPUTER JAMAN DULU SUMPEK BORING KAKU

Can work: KOMPUTER MASA DEPAN Anywhere, anytime... ...with the most interesting tasks... Can work: ...with as many problems and people as wanted... ...with the most inspiring colleagues

Your Mind Power Your brain contains an estimated 100 billions neurons or nerve cells, and is capable of outstanding feats of computation and information processing. Despite this wealth of potential brainpower, most people use no more than about 4-10 percent of their possible brain capacity. The good news is that is easily changed. --RICHARD LEVITON --  

SUKSES DI ERA EKONOMI BARU SEDIKIT TERGANTUNG PENGETAHUAN / IQ BANYAK TERGANTUNG KEBIASAAN / EQ SEDIKIT TERGANTUNG PENGETAHUAN / IQ Knowledge without correct habits is powerless Jake Bernstein The Investor’s Quotient

Sow an act and you reap a habit; Sow a habit and you reap a character; Sow a character, reap your destiny. CHARLES READE

PENENTUAN PRIORITAS: IMPORTANT VS URGENT (GENTING) AVOID FOCUS HERE NOT URGENT NOT IMPORTANT IMPORTANT (PENTING)

APA YANG ANDA PANDANG PENTING DALAM HIDUP INI ?

THE STORY OF A YOUNG EAGLE

LOOK INSIDE YOUR HEART There’s a hero If you look inside your heart You don’t have to be afraid of what you are There’s an answer If you reach into your soul And the sorrow that you know will melt away And then a hero comes along With the strength to carry on And you cast your fear aside And you know you can survive So when you feel like hope is gone Look inside you and be strong And you’ll finally see the truth That a hero lies in you

WISDOM APPROACH 1 6 2 3 5 Management, Measure, Monitor 4 Capacity Determine optimal future (Ingin) 2 6 Management, Measure, Monitor 4 Formulate Strategy (Siasat) Implementation of strategy (Otak/Otot) 3 5 Capacity Building (Didik) Assess current situation (Watak) 1

PEMBELAJARAN MEMILIKI BANYAK SISI… D PEMBELAJARAN MEMILIKI BANYAK SISI… WISDOM Learning to be Learning to do Learning to think Learning to know

Intrapersonal Skills: Interpersonal Skills: D Intrapersonal Skills: Change management Stress management Time management Creative thinking process Goal setting & life purpose Accelerated learning techniques Interpersonal Skills: Communication Relationship building Motivation Leadership Self-marketing Presentation Public speaking Softskills Softskills Softskills

SUCCESS IS JOURNEY Louisa May Alcott . MAKE EACH DAY USEFUL & CHEERFUL PROVE THAT YOU KNOW THE WORTH OF TIME BY EMPLOYING IT WELL THEN YOUTH WILL BE HAPPY, ELDERS WILL BE WITHOUT REGRET, LIFE WILL BE A BEAUTIFUL SUCCESS Louisa May Alcott .

DREAM, DESIRE, and FAITH YOUR DREAMS COME TRUE WHEN YOU WISH UPON A STAR MAKE NO DIFFERENCE WHO YOU ARE ANYTHING YOUR HEART DESIRES WILL COME TO YOU IF YOUR HEART IS IN YOUR DREAM NO REQUEST IS TOO EXTREME WHEN YOU WISH UPON A STAR AS DREAMERS DO FAITH IS KIND SHE BRINGS TO THOSE WHO LOVE THE SWEET FULFILMENT OF THE SECRET LONGING…. YOUR DREAMS COME TRUE

to make your dream come true is to wake up FINAL MAXIM The best way to make your dream come true is to wake up A thousand mile journey begins with a single step. Take the step ! Do it NOW !

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REFERENSI Sembel, Roy. 2001 (cetakan ketiga). Rahasia Pohon Duit dan Mesin Uang di Masa Sulit dan Senang. Elex Media Komputindo, Jakarta. Sembel, Roy. 2001 (cetakan ketiga). Berpikir Ekonomis di Masa Krisis. Elex Media Komputindo, Jakarta. Sembel, Roy. 2000. Jurus Proaktif Menunggang dan Memacu Pertumbuhan Ekonomi. Elex Media Komputindo, Jakarta. Sembel, Roy. 2001. Rahasia MANEKIN: 40 Kiat Sukses di bidang MANajemen, Ekonomi, Keuangan, dan INvestasi. Elex Media Komputindo, Jakarta. Sembel, Roy dan Aribowo Prijosaksono. 2002. Control Your Life. Elex Media Komputindo, Jakarta. Sembel, Roy dan Aribowo Projosaksono. 2003. Maximize Your Strength. Elex Media Komputindo, Jakarta Sembel, Roy dan Hanny Santoso. 2002. Bisnis Maya, Laba Nyata. Elex Media Komputindo, Jakarta. Sembel, Roy dan Tedy Fardiansyah. 2002. Sekuritas Derivatif, Madu atau Racun: Konsep dan Aplikasi Sekuritas Derivatif untuk Spekulasi, Mesin Uang, dan Manajemen Risiko. (sedang dalam proses pencetakan). Penerbit Salemba 4, Jakarta. Sembel, Roy dan tim. 2002. Reformasi Pembelajaran Ilmu Duit: Kiat Mengasah Kecerdasan Finansial secara Mudah dan Murah. Penerbit KONTAN, Jakarta Tim Penerjemah. 2002. Kamus Wallstreet. Penerbit Erlangga, Jakarta. Sembel, Roy dan Sandra Sembel. 2003. Extraordinary Success for Ordinary People. Elex Media Komputindo, Jakarta. Berita dan artikel pada media cetak dan elektronik termasuk Internet