The State of Education in Indonesia

Education is the main foundation for building the civilization of a nation. Awareness of the importance of education will determine the quality of the inner and outer well-being and the future of its citizens. Therefore, the substance of education, teaching materials and teaching methodology, as well as educational management accountable, it should be a concern for the education providers in the country. It is evident that the whole nation to reach the level of cultural and technological progress must be supported by the high quality of education that is very sturdy.

However, the existence of the problem of education in Indonesia at this time, is still a problem, because many of the nation who have not received education as it should, and even some that have never seen or tasted the school altogether. Actually, they also have the same rights as children who have got a decent education. Because the future of the nation will be there on their hands, because it is they who will be the successor to the national struggle.

Although education is the right of every citizen, but there are still some of them who have not gotten this right. Until now, the biggest opportunity to gain access to a good education is only obtained from the children of the rich and smart. With the economy's ability to capitalize more than adequate, supported by higher thinking skills, be a contributing factor to gain access to better education. They are most likely to enter the elite schools, quality, national standards, and even internationally. This creates an environment that is conducive to teaching and learning, because it is supported by the quality of the students who had a high intellect.

In addition, the availability of a complete infrastructure helped to realize that education is well established. At present, the existing education system in Indonesia shaped the market, to those who have a lot of money, then they will get a decent education. It is ironic indeed.

There are several things that make education in Indonesia has deviated from the ideals of the nation. First, the tendency of Indonesian education is increasingly out of reach of the poor. In this case, the government is accused of making discriminatory policy, making it difficult for poor people to access education. Second, the birth of an education system that does not empower. In this context, a policy that was formed solely to support the status quo and establish social inequality. Third, the lack of education on the moral development orientation. This can be proven by looking at the reality of children who act immorally, so it is often said to be minus character education.

It is understood by educators that the educational mission is to pass knowledge from one generation to the next. Do not let that generation are disconnected so alone. Science is among other things: knowledge, traditions, and cultural values ​​(civility). In general, the transmission of knowledge has been in the waistband by people who are a burden to the next generation. They are represented by people who have a vision of the future, which makes the generation of better and more civilized.

University Guide League Table

How you can make a choice with so many universities and colleges are available? One of the popular ways that are often used by students is to look at university rankings and league tables. In order for you to get the most out of the rankings, the following article that might help you.

Decide on a subject and university programs can be regarded as the most stressful decision you should choose. There are a lot of options and almost all colleges claim to be the best, so what can you do to filter option?

First of all, think about the main factors that will govern your decision. Whether it's finding the right department, scholarship or country of destination? Perhaps you are already sure you want to learn business, but do not know which of the university has the best department. Here is ranked the best university that might help you. 

Times Good University Guide
Free The Times has been recognized as the foremost rank of the like since 1993 All universities in the league table assessed according to eight factors important for undergraduate students:

• Student Satisfaction (NSS according
• Research (Research Assessment Exercise)
• Standard Sign - Average UCAS
• The ratio of students and faculty
• Expenditure on Library and Computer facilities - calculated average per student.
• Spending more facilities - calculated per student for sports, career services, health and counseling.
• Good Degree - The percentage of students who graduated with a diploma of high value.
• Career Prospects - The percentage of graduates who find work or take S2.
• Completion Program Lecture - the percentage of students who successfully complete their degree.

The Times Higher Education
The Times Higher Education World University Rankings is established with Thomson Reuters, the new rankings data provider, and with input from more than 50 key figures in the sector ranking universities from 13 countries.

Assessment methods consider the 13 performance indicators designed to cover a wide range of university activities, from teaching to research to, which is represented by 5 categories:

• Teaching - the learning environment
• Research - volume, income and reputation
• Excerpts from the paper published - affect peneitian
• Industrial Revenue - innovation
• International atmosphere - staff and students

Shanghai University World Ranking
The Academic Ranking of World Universities (ARWU), which was first published in 2003 by Shanghai University, according to The Economist, has become "an annual ranking of the most widely used of research universities in the world". More than 1000 universities are ranked by ARWU every year and 500 the best published online.

This ranking uses six objective indicators to rank world universities:

• The number of alumni and staff winning Nobel Prizes and Fields Medals
• The number of researchers selected by Thomson Scientific
• The number of articles published in Nature and Science
• The number of articles listed in the Science Citation Index
• Social Sciences Citation Index
• Performance per person in relation to the size of the institution.

The Guardian University Guide
The Guardian University Guide is one of the best universities of different rank with other league tables, measures how well an institution appears in the teaching, the resources and the performance of their research. These criteria would be useful for graduate students.

Assessment criteria:

• The quality of teaching, assessed by final year students in the National Student Survey (National Student Survey - NSS): percentage of student satisfaction.
• Feedback and assessment, assessed by final year students in the NSS: percentage of student satisfaction.
• The overall quality of the course: NSS results by student last year.
• The cost of spending per student - rated 1-10.
• Comparison of the number of staff and students: the number of students per faculty member.
• career prospects: proportion of graduates who find employment or full-time course within six months after graduation.
• Value added: comparing the degree of individual student results with their entry qualifications, given the value of 1 - 10 This helps demonstrate the effectiveness of teaching in an institution and the extent to which departments of the university to help students to achieve their respective goals.
• Qualification entrance (UCAS student scores from the school).

It would be better for you if the university determines the best option to find information from a variety of sources, not just glued on university league tables alone. Because only yourself more aware as to what university / faculty in accordance with the wishes and needs.

May be useful.

Quotes About Learning - Hypno Learning

Hypno-Learning is a learning method that uses the ability of a person's subconscious. In the study concluded that the unconscious accounts for almost 88% of a person's intelligence, being that we use for this is only about 12 percent of it. By generating potential of the subconscious, will make a person feel weak become stronger, and the less intelligent to be more creative.

To open and train the subconscious mind, here are some tips you can do:

Tip 1 : Active
Become more active in learning. The more actively in learning activities, then these activities will lead one to close to the subconscious. Without realizing it, the unconscious person will be more enjoy in listening lessons. Due enjoy, then the person's subconscious will always remember the lessons that have been obtained. That's why, that learning while practicing, will be more striking in the brain and will not easily forget quickly.

Tip 2 : Use Imagination
It is recommended to use the imagination in learning. Like for example in memorizing a series of numbers, then change the numbers into letters, then weaving it into a word that can be arranged into a catchy phrase. Let each one what is learned into something that is very enjoyable by the imagination.

Tip 3 : Do a Repetition
Perform repetitions. By repeating a job, without realizing it, one would be easier to remember what she had done. This phenomenon can be studied from a seller who was peeling bananas fried bananas, banana kneading, then fry the bananas with the highly skilled. This happens because so often they are carried out repeatedly.

Tip 4 : Focus
Focus on the goal. The mind is always the focus, the subconscious will spur someone to always refer to the goals to be achieved. By doing so, the subconscious will always continue to guide the brain and behavior of a person to always do something related to the final destination as he had hoped. For example, someone who focus on doing activities / hobbies on the weekends, such as playing computer games, then it is likely to be carried out after waking up in the morning, it will be done first is menombol power-on the computer, then play without knowing the time.

May be useful.

Arts College in America

Are you interested in learning in the field of dance or theater arts overseas? If so, America is the right choice for you ...

Is the 'Broadway Theatre' located in Manhattan, New York, which has about 40 theaters in the world. Broadway theater located at 41 and 53 Street, and Sixth and Ninth Avenue. Broadway is the area that is always full of enthusiasm and cheerful which is identical with bright neon lights and colorful at night

Broadway theater is always swamped by the audience, both from America and from abroad. It is a pride for the actors and actresses as well as Broadway dancers, because they can make and show performances in front of spectators from around the world.

Cinema has a close relationship with Hollywood. Many Americans who produce theater that later went on to become a movie. Likewise, many successful production of Hollywood feature films and then performing on stage, either as drama or musical.

In addition to drama, dance and music, Broadway is also popular with the band's music, like the music of ABBA, Green Day, and other famous bands. In addition, well-known as Spider-Man comic book was also not left behind for the live show on Broadway.

Although it is seen on stage just actors, actresses, dancers, musicians or anyone who made ​​the show, but there are many other factors that also play an important role on a show, like those who work behind the scenes, as a choreographer, director, fashion stylist, tool display, voice control, lighting designer and stage manager. Without the hard work and creativity of their performances on stage will not be able to get the highest performance spectacular.

In addition, to launch a spectacular show also requires the author, the role of selectors (casting), and other parts of the marketing that will promote the implementation of a show.

Because the career prospects and job openings in this field is promising, especially if the event is well managed and can then be displayed to other countries, then wait no more, join now.

May be useful

Insurance at Once Investing

Every person, what they earned at this time, certainly for the future ahead of her. Not a few people who are willing to set aside some of their income, to save money, which was all they could do to meet future needs, especially the needs of the unexpected.

For example, as someone who invested some money, with the expectation that the results of the investment can be used as additional income in the future. However, we also have to understand, that invests, regardless of its form, there must be risks that follow the investment. Although everyone would hope and desires that these risks away from investment, especially from life.

Discussing the risk, will inevitably lead to a sense of anxiety for us, whether that risk will occur? How do I avoid these risks? and so forth. Because if these risks actually occur, then certainly not the profit we earn, but rather a loss.

Well, on this occasion, I was a little give on investment with minimal risk, ie by insurance.

By purchasing a policy, indirectly we already have an investment. Same with the investment, with berinsuransi we should set aside a portion of our income to pay premiums predetermined how much.

But the difference, with insurance, we will feel a little quiet without having to bother to think about the risk. Because, if the risk does occur, then the insurance company will bear the brunt of the risk. And if the risk does not occur, then we will get the results of the insurance premiums we have paid to date.

Therefore, the sooner we have an insurance policy, the better. Due to the growing procrastinate, we will never know what will happen tomorrow.

Increase Awareness of the Math Exam Results

The teens who realize that the math will be useful and helpful in the future life have a higher value in the international math exams.

The report published by the Organization for Economic Cooperation and Development, OECD, found that students who see mathematics as a main subject more motivated and have higher grades than those who do not. These findings are based on analysis of international math exam results and student motivation, involving more than 1.5 million students aged 15 years. The analysis was conducted by an international student assessment organizations, PISA.

In all participating countries, found that students are motivated to learn mathematics averaged 18 points higher on the math test. The advantages of 18 points, according to PISA, the equivalent of about half a year of learning mathematics. "Student motivation is a very important factor to be ready to learn, both in school and outside of school," as written in the OECD report.

The respondents in the current survey diitanya how big their motivation to learn math because of the usefulness for the future, both in the field of further study or careers in education-which is called the "instrumental motivation". Average of approximately 75% of respondents thought the students agreed that an effort to better understand the math will help them in future work. While 78% of respondents thought mathematics improve career prospects and 66% of respondents said the need to understand the mathematics to the field who would they / respondent learned in the future.

May be useful.

Stanford University

Stanford University is a private university that is located near the city of Palo Alto, California, United States right in the heart of Silicon Valley, approximately 60 kilometers to the southeast of the city of San Francisco and approximately 30 km northeast of San Jose in Santa Clara County area .

Stanford University is the second largest university campus in the world, and consists of the School of Engineering, Law, Medicine, Education, Business, Earth Sciences, and Humanities, and Science. The university has a number of programs and a teaching hospital which act as a social activity that reaches to the entire surrounding community.

Stanford was founded by a couple who came from the village, the Leland Stanford and his wife, Jane Stanford. The university is named after kelarga to honor their only child, Leland Stanford, Jr. who died of typhoid, every few days ahead of the anniversary anaknyanyang 16th. On the morning of the death of their son, Leland Sr. supposed to have said to his wife, "The children in California will be our children." Finally the couple soon decided to look for a lasting way to commemorate their beloved child. That is why, finally stood Stanford Univ as we have seen up to now.

Initially they were going to award a building to Harvard, but was rejected and given advice to establish its own university. At that time, the local community and those affiliated with the university calls this school as a school Ranch, because it is in fact the university is located at the former site of Leland Stanford's horse farm. The area of ​​approximately 32 km ² Stanford University. With its main campus is bounded by El Camino Real Stanford Avenue, Junipero Serra Boulevard and Sand Hill Road in the northwest part of the Santa Clara Valley on the San Francisco Peninsula.

The university officially opened on October 1, 1891 consists of 559 students its first university students, with free tuition, has 15 lecturers, and 7 of them are from Cornell University. The school was established for men and women, although the acceptance of his students are limited in the long term .. It is not caused by anti-female sentiment, but because of concerns on the part of Jane Stanford, who feel that without that restriction, the school will soon be full with the student alone, which he considered incompatible with the original intention to make this university as a memorial to her son. With the first President David Jordan, a graduate of Cornell, who left the post earlier as president of Indiana University.

Stanford University's official motto is "Die Luft der Freiheit weht." Idea from Stanford mate. Were quoted German Ulrich von Hutten which means "The wind of freedom blows." Because at the time the school was founded, the German language has just replaced Latin as dominant language in science and philosophy.
 
In the summer of 1886, when the campus was first designed, Stanford presents the president of the Massachusetts Institute of Technology, Francis Amasa Walker, and prominent Boston landscape architect who created New York's Central Park, Frederick Law Olmsted to the west coast to provide consultation. Olmsted describes a general concept for the campus and buildings. He rejected the hilly and prefer a flat surface, which is more practical. Stanford was designed by Spanish colonial style, which is commonly known as the California Mission Revival.

Securing the Future of Indonesian Children With Positive Education Program

To improve the quality of education for children, UNICEF developed the Child Friendly Education Program implemented in several regions in Indonesia, one of which is Papua.

The plan, the education program includes two modules, namely positive and creative disciplines connection. Discipline module is an alternative way to educate children without the use of violence or physical punishment. As for creating the connection aimed for parents and teenagers, which aims to improve communication skills in solving everyday problems, and to build positive relationships between parents and children, as well as inter-adolescent relationships.

Nonetheless, the goal of the program is not only intended for children, but also intended for household mothers, because the figure of the mother is in the early stages of educating and raising a child.

Because it is positive and constructive, so the program is getting a lot of support from various parties, ranging from governments, local organizations, and private parties.

And one of the parties which strongly supports the UNESCO program are Bank Central Asia (BCA). Starting from 2000, the Bank has formed a partnership with UNESCO Indonesia in positive activities are coordinated by the UNESCO. And in September 2014, the Bank and its management team and an ambassador of UNESCO visit to Wamena, Papua, to see firsthand the implementation of the Child Friendly Education pilot in the area. During the visit, BCA again showed his concern by donating proceeds from the sale of Retail Parts 006, library books, stationery, and clothing, in order to support the success of the child development program. In addition, the Bank also facilitated a workshop for teachers in the town of Wamena, with the theme of Creative and Quantum Learning.

With the existence of the program, through the Secretary BCA company, Inge Setiawati stated that it expressed gratitude and honored already involved in the Child-Friendly Education program was initiated by UNESCO Indonesia. BCA's involvement in these matters, is an implementation of the BCA to take the intellectual life of the nation. BCA hopes, with the holding of the positive programs, able to develop and improve Indonesian human resources, especially the younger generation as the nation's next.

The Causes of Insurance Claims Rejected

Each insurance policy owners will definitely want to get a warranty / best protection in case a disaster happens to the owner of the insurance policy. But what happens if when the accident occurred, but when the owner of the policy to make a claim but was denied by insurers? certainly very disappointed not.

Therefore, it would be nice before we make a claim, first consider the rules that lead to insurance claims we rejected. Well, here are some reasons that make claims rejected by insurers :

1. Misrepresentations of Material
What is meant here is that the customer provide false statements or information, and does not match the reality of customers, both in the form of information about medical history, income, and risk his job.
For example, when completing the registration form, the customer said that the customer does not have such a dangerous medical history of heart disease. But in fact, the customer subsequently died of the disease. When it happens like that, most likely, insurers will reject claims submitted. To remember that, the insurance company would not believe it to you, they certainly will find information, whether the information from you that is true or not.

2. Suicide
In this case, if the family filed a benefit / claim for the death of the policy holder, but after being checked by the insurance company that the policy owner dies by suicide, it stands to reason that the claim filed by the family of the insured will be rejected. In this case, usually the insurance company will only provide benefits / guarantees if the policy holder dies due to illness or an accident that was not intentional.

3. Dead Itself Induced
Death is meant here is different from suicide. For example, there is the policy owner-kebuatn who likes racing on the highway, then it makes it dead because of his behavior. Or the owner of the policy has a habit of getting drunk or using illegal drugs, which made ​​him an overdose and then died. So the question here is really a natural death in the absence of intent, such as activity / act which caused the death occurred.

Of the several reasons above, hopefully there is no more fear of the family insured that the claim will not be denied later they ask. So that they have a policy that really give you the best benefits as expected. May be useful.

Tips For Insurance Claim Is Not Rejected

When going to buy an insurance policy, of course, we want to get the best protection on the guarantee or calamity that might befall us later. But what happens when a calamity befalls us, while we file claims rejected by insurers. Not a bit of insurance customers who experienced the events above.

Therefore, here are some tips that we introduce later claim not denied by insurers:

1. At the time of the prospective insurance customers want to fill out an insurance application form, should fill the data honestly, must not fill. Because no matter how small the data that we provide, a big influence on our future claims submission.

2. At the time of the prospective insurance customers want to fill out the registration form, each sentence should be contained in the application form read carefully and understood exactly the point. If there are less obvious intent of the sentence, clearly ask the agent / insurer, so that prospective customers understand correctly and not feel disadvantaged if the later claim is not paid.

3. At the time of the prospective customers want to purchase a policy, it should be understood very well what are the requirements needed when filing a claim, such as how long a time limit / expiration of the current catastrophe claims occur. Because the insurance policy has a time limit / expiration, so that when the claim is made but the prevailing policy has been exhausted, the insured is no longer covered by insurance. These factors will determine whether our claim will be denied or paid.

4. When prospective insurance customers insurance policy offered by the agent / insurer, should be asked very clearly before moving to the next stage. Because usually, people will always try to convince offered with sweet words, so that people who want to buy what is offered is offered. So prospective insurance customers will be satisfied and not feel disadvantaged if later what he received not in accordance with what has been submitted by the agent / insurer.

Hopefully with the tips above, it will be no insurance policy owners who rejected his claim submission. May be useful.

Pet Insurance

Life insurance, fire, or accident may have been the familiar. But what about the animal insurance? There may be some who have never heard or even already have an insurance policy for the animal.

It turns out that in developed countries such as the UK or the USA, where many people are willing to pay to care for his pet. It is proved that the cost of pet care in the United States for example, has increased from year to year. Therefore, in developed countries such as Britain or the United States, pet insurance is very popular.

For animal lovers, pet health, including maintaining a very important thing. Although the cost of maintenance and care of animals is not exactly cheap, but they are ignored, as long as the pet is essential to a healthy back.

When the sick animal, the owner would have felt very sad. Eating is not passionate, restless sleep and lazy to do various activities with grief to see his favorite animals sick. Moreover, if the beloved pet dies.

Maybe we've heard that in the developed countries are often seen many animals that roam the sidewalks or in the halls of the slum. This could happen because the owner of the animal is intentionally throw or abandoning their pets when the animals are sick or old, because it could be the owner of the animal is no longer able to provide the cost of care for these animals. Because of possible animal care costs are more expensive than the cost of human care. .
Well, insurance is present in addition to animal rescue pets abandoned by their owners before, also gave an assurance to the owner that the animal will no longer have to worry about the high cost of care their pets, because there is an insurer that is ready to provide services and risk if at any time things happen that unwanted pet owner.
Hopefully with this pet insurance, there is no more animals abandoned by their owners again. And hopefully, the owner of the animals love their pets.

Reinsurance

In the insurance world, we must recognize the term reinsurance, but may not know / understand in detail what is meant by reinsurance.

Reinsurance is a very important part of the insurance. Like a human body organs, the heart of the Reinsurance is insurance. Reinsurance arises because of the insurance itself, in other words there will be no reinsurance that insurance itself does not exist.

Thus the importance of the role of reinsurance, so that if an insurance company does not run reinsurance, it stands to reason that the insurance company will not be able to sustain its business and will eventually bankrupt / insolvent..

In the insurance industry, particularly in the case of closure of an insurance policy, is a very major principle that risks that need to be closed / should be shared, so that the risk would not burden yourself beyond limits.

The principle is known as the "Principle of Spread Risk". With the spread of these risks, meant the closure of a portion of the risk that it will be borne alone, while insurers will bear most of the risk of the other.

To spread the risk, there are 2 ways, namely : CO-INSURANCE and RE-INSURANCE.
- Co-insurance is a joint insurance.
- Re-insurance is insurance back.

From the description above, it is clear that it is doing Reinsurance is insurance companies, which in function is an institution insurer risk (Risk Bearing Institution) first or agency that originally closed the reinsured risks.

In the insurance world, there are two risks to get the insurance coverage, which is a big risk and low risk.

For large risks, clearly require reinsurance, because the magnitude of this risk exceeds the limits of the ability of an insurance company. Examples of Reinsurance with great risk, for example: building high-rise office building, Textile Mill, Paper Mill, Marine, Aircraft, and so on.

However, for a small risk is not so necessary for the reinsured, as it is still below the limit of the ability of an insurance company. Such as residence / home, which according to the assessment of insurance, residence / house value is still below the limit of the ability of insurance companies, so no need for the reinsured. With the exception of a small risk that this amounts to a lot, and in the judgment of the insurer would exceed the limits, then it needs to be reinsured.

In addition to large and small risks, there is also the type of risk that is not harmful (Non-Hazardous) and hazardous (Hazardous). Risk types are not dangerous, do not need to reinsured, while dangerous to risk, then it needs to be reinsured.

In the insurance industry, any closure risks / any risks that occur outside the limits of an insurance company and the insurance company is not able to bear it alone, it is necessary reinsurance.

And in every implementation of Reinsurance, will inevitably involve two parties, ie parties that offer reinsurance called "ceding Company" and the party receiving the reinsurance is called "reinsurer" or also known as reinsurers.