Small and medium enterprises (SMEs) stand to benefit from digital tools to manage their finances and operations, as well as make strategic business decisions as the pandemic accelerates the use of technology, experts have said.Adhitya Satriadi, the managing director of TMP Accounting, said on Thursday that there were plenty of digital tools in the market to help SMEs optimize their businesses.“There are several tools that can make your life easier in order to better manage your finances,” Adhitya said in a Jakpost Up Close webinar titled “Digitizing SMEs, managing finances to weather crisis”. MokaPos, Xero, Google Drive, OnlinePajak, Gadjian and Syft Analytics are some of the digital tools he mentioned. Adhitya said the pandemic was giving SMEs the opportunity to digitize and better manage their finances throughout the pandemic, which has hit small businesses hard. Out of more than 60 million small businesses in Indonesia, only 13 percent have gone digital.Micro, small and medium enterprises account for 60 percent of Indonesia’s GDP and 97 percent of the Indonesian workforce, according to official data. An estimated 5.5 million workers risk losing their jobs as a result of the pandemic, indicating the crucial role SMEs play in the Indonesian economy, The Jakarta Post deputy editor-in-chief M. Taufiqurrahman said in the webinar.Gojek head of merchant platform business Novi Tandjung said a recent survey on its merchants in April indicated there was optimism over an economic recovery. Eight out of 10 businesses said they expected business conditions to improve in the next six months, according to the study.“Things are changing and they need to adapt. But they feel super optimistic,” Novi said. “They do have the survival mentality [and their] adaptability is high. That is encouraging for us.”Since the COVID-19 pandemic hit Indonesia in March, leaving brick-and-mortar stores with fewer customers, more than 100,000 small businesses have signed up for Gojek’s digital tools, according to data collected by the firm between March and May.Hoping to capitalize on the opportunities presented by this, Gojek is offering multiple tools SMEs can use to expand their access to consumers, business knowledge and infrastructure, with analytical tools and apps being used to manage supplies of raw materials.Most SMEs that had partnered with Gojek used its point-of-sales platform, GoBiz, to manage their finances, Novi said.Recognizing that the pandemic has forced small businesses to adapt, the government has partnered with tech-based companies to help 2 million small businesses establish an online presence.Big businesses are also helping, using digital tools to support their growth. Gojek’s analytical tools have helped coffee chain Kopi Kenangan identify locations that have a high demand for its products.“It is very important for us to understand consumer behavior,” said Rahmat Budiardjo, Kopi Kenangan senior vice president. “It will be very important in the future.”The coffee chain, after securing US$109 million in its latest round of funding in May, is planning to open 500 new stores this year. The firm currently operates 324 stores and delivers its beverages, including iced coffee, via its mobile app and GoFood.Between March and May, Gojek booked a threefold increase in instant food and drink transactions on GoFood.Local fashion brand Cotton Ink also uses digital tools, including social media, to communicate with its customers. The pandemic, for example, led them to double down on its strategy, according to Ria Sarwono, the firm’s founder and marketing director.Cotton Ink tried to introduce new products like cloth masks and expand its customer base by opening a business-to-business partnership to offset the losses caused by pandemic restrictions.However, like other firms, the pandemic-induced downturn forced the firm to keep revising its long-term business plan and consider taking a bank loan to stay afloat.“Before the pandemic, we had a three-year plan, five-year plan. But everything changed three months ago,” Ria said.“We do not have an emergency fund. I think this will be the first time we consider a bank loan to support our operations.”Adhitya of TMP Accounting said businesses needed to build an emergency fund regardless of their size, one that could cover operational expenses for three to six months.“In the pandemic situation, the emergency fund is one of the most important things businesses should have because of the uncertainty,” said Adhit.“In this pandemic, business owners also have to run through all expenses and cut unimportant expenses to make sure the business is running as efficient as possible and as long as possible.”Topics :
Category: ooilgfzj Page 1 of 11
Manchester United striker Javier Hernandez believes there is currently no other goalkeeper in the world on a par with his team-mate David De Gea. Press Association De Gea has had his ability questioned at various times over the last couple of years following his switch to United from Atletico Madrid, but in February Hernandez declared his confidence in the 22-year-old, claiming that “in a couple of years he will be the number one in the world”. Since then, De Gea has helped the Red Devils to clinch the Barclays Premier League title, been named in the Professional Footballers’ Association’s team of the year and, with Spain, won the European Under-21s Championship in Israel, where he kept four clean sheets in five games. And Mexico international Hernandez told Inside United: “For me he’s the best goalkeeper in the world.” He added: “We all talk about development and having to go down a certain career path and, of course, at his age many people would have been scared to give him the place he’s earned for himself. “But I think that this season (2012-13) he’s really benefited from being given the opportunity to play on a regular basis. “He was first choice between the sticks and I think that any player in the world shows his true ability when he gets the chance to have a decent run of games in the side, and David has really shown his quality. “He was voted the best keeper in the Premier League, so I’d say he’s doing very nicely thank you.”
–Moves closer to becoming GFF Regional Member AssociationREGION One has moved one step closer to becoming a Regional Member Association (RMA) of the Guyana Football Federation (GFF) with the establishment of a steering committee yesterday at Moruca, sub-district Region 1.The committee was presented with its Terms of Reference (ToR), which includes among others, the development of a Constitution and the registration of clubs in the region.President of the GFF, Wayne Forde, who is among a three-man visiting team, said the GFF is pleased to offer the structure and organisation necessary to enable the region to maximise its resources:“The expansion of football across Guyana is beyond the mandate of the GFF’s Executive Committee. We also have a moral obligation to give every young boy and girl the opportunity to play football; and within the Barima-Waini community there are a lot of passionate and talented young footballers.The only way that the GFF can give them the level of support that is needed to bring structure and organization to the game is by having the steering committee start the important work of leading Region 1 towards full-fledge membership of the Guyana football fraternity.”Forde said while this is considered an ad-hoc committee under the GFF’s Constitution, with a six-month life-span, “our goal is to propose Region One’s membership to the Congress in May 2018 but, of course, that will be based entirely on the work the steering committee does to demonstrate to the Executive Committee that they’re worthy of being inducted as members of the Guyana Football Federation.”“Government’s support to this endeavour is critical, given the logistics of integrating Region 1 into national football,” said Forde. “We also take this opportunity to invite the NGOs and all stakeholders within the Region 1 community to come on board and support the work of the steering committee and do whatever is necessary to help Region One’s integration into national football.”Forde added that the establishment of the Steering Committee will see GFF’s immediate technical support to the region via capacity-building sessions to identify coaches, referees and others, as necessary. Other members of the visiting team are Dion Inniss, GFF’s Executive Committee member, and Ian Greenwood, GFF’s Technical Director.
ARCHERY Guyana’s Qualification round of the World Archery Americas’ Online Archery Cup of the Americas DC continued with more top performances from some of Guyana’s veteran archers. Action continued on the 23rd and 25th, with 3 males, Umasankar Madray, Nicholas Hing and Robert Singh along with 2 females Talitha Kissoon and Samira Duncan, competing in the recurve 18m distance shoot.While the competition was strong among the archers, Umasankar finished the match with 298 points. He experienced some difficulties with his new equipment, resulting in an unusually low-scoring sequence. Hing started off strong but faltered under the sweltering heat and ended the match with a total of 338 points.Senior Indoors and Outdoors Champion, Singh, was able to sustain a reasonable average under the adverse conditions, ending the match with a total of 404 points.The 2 female competitors Junior Female Champion Talitha, showcased her natural talent hitting the 10 spot 5 times but was obviously affected by a lack of match practice, ending with a score of 245.Duncan, also affected by lack of practice, had a slow start but her scoring gathered momentum during the match and closed with a total of 347.The Online Archery Cup of the Americas is a World Archery Americas-sanctioned competition seeking to advance the spirit of competing on a virtual arena, whilst abiding with the COVID-19 safety measures across the Americas (North, South & Central America and the Caribbean).
SBC news network grows with Lottery Daily launch April 23, 2020 SBC Noticias launches daily newsletter March 30, 2020 Submit Share StumbleUpon Sports betting event organiser and media company SBC has launched a dedicated news portal for the Spanish-speaking gaming industry, www.sbcnoticias.com.The new website will cover sports betting, igaming, casino and other global gaming news in Spanish, with a particular focus on emerging markets in Latin America, as well as Spain.It marks the first time SBC has launched a website in a language other than English, and reflects the increasingly international composition of the group’s events.SBCNoticias.com will be edited by Macarena Rodicio, an experienced gaming journalist based in Buenos Aires.Rodicio said: “After years of speculation, Latin America is finally emerging as one of gaming’s most exciting regions. With the likes of Colombia thriving and Brazil on the brink of regulating, SBCNoticias.com will bring breaking news and in-depth analysis on these high-growth markets.”SBC’s Managing Director Andrew McCarron added: “Our events are already widely attended by delegates from Spain and Latin America, and the time was right to offer a native language news site to these visitors.“With next year’s SBC Summit in Barcelona, we look forward to extending our global coverage and welcoming another part of our industry to future events.”The launch of SBCNoticias.com follows last month’s hugely successful Betting on Sports event in London. Next year’s event, which has been rebranded SBC Summit, will be hosted in Barcelona.For daily gaming news in Spanish, please visit www.sbcnoticias.com.For more information about SBC events, please visit www.sbcevents.com. Related Articles Share Andrea Vota – Jdigital’s challenge of Spanish restrictions is led by logic and rationale August 13, 2020
AddThis Sharing ButtonsShare to FacebookFacebookShare to TwitterTwitterShare to MoreAddThisMeet Joanna Cooper, a mother, business owner, and more. Cooper was recently awarded the ‘Family, Friendly, Business Award’ for her investment in being an early childhood establishment that allows nursing mothers to be able to feel at ease while tending to their little ones.The mother of 4 said she felt the need to provide a unique space for nursing women because she too was once a breastfeeding mother. Cooper is the proud business owner of both, As You Wish Gourmet, and Blue Phoenix Books in Alpena.According to the District Health Department #4 more business owners in Northeast Michigan are looking to welcome nursing mothers thanks to a new logo.AddThis Sharing ButtonsShare to FacebookFacebookShare to TwitterTwitterShare to MoreAddThisContinue ReadingPrevious What’s Trending for June 5Next What’s Trending For June 6
COLLEGE FOOTBALL 2020Preseason top 25 rankings, bowl projections, All-Americans and more Clemson receiver Justyn Ross will miss the 2020 season because of a neck and spine injury. Coach Dabo Swinney announced the injury in a teleconference Monday. The Athletic reports Ross will have surgery Friday. Breaking injury update from Clemson: Justyn Ross is going to have surgery Friday. When he had an X-ray after the spring injury, he learned he was born with something called congenital fusion. He will not play this season.— Grace Raynor (@gmraynor) June 1, 2020Swinney also said there is no guarantee Ross will be able to play football again. Ross was ranked No. 7 on Sporting News’ top 50 big board for the 2021 NFL Draft. That is a significant blow for Clemson, which is ranked No. 1 in SN’s preseason top 25. Ross emerged as one of the best deep-threat receivers in the FBS the past two seasons. He caught 46 passes for 1,000 yards and nine TDs as a freshman, and he had 66 catches for 865 yards and eight TDs as a sophomore. He was expected to be Trevor Lawrence’s No. 1 target in the passing game for the Tigers.
“So that means all that gets to, ‘How do you sleep at night?’ Right? ‘Can you live with yourself?’ And I can.”Landis and other former teammates took their shots at Armstrong, but they didn’t have clean hands, either. They all doped in a sport that required it. They delivered an unsympathetic retelling of the whole sordid affair with the grimness of an uphill stage.And Armstrong was the face — faces — of the peloton. To complicate things, they were all given the makeup of brutal honesty by the man wearing them.MORE: Armstrong not sure whether doping caused cancerThe many facets of Armstrong’s personality make it difficult to feel sympathy for him even when looks an interviewer in the eye, apologizes for being a horrible person and says he “needed” to fall from grace. The documentary’s producers chose not to even try for sympathy; there was no narration, just the words of Armstrong, the people he loves and the people who threatened his double life.The best way to display Armstrong’s many sides here is to present what he said about his efforts to destroy people, including himself, during his decade-plus reign of terror over cycling.Emma O’ReillyArmstrong called O’Reilly, his former team soigneur (masseuse/assistant), a whore and a drunk in a deposition he gave for a libel lawsuit he brought against her and author David Walsh (later settled) in 2004. Armstrong was retaliating for O’Reilly, in Walsh’s book, exposing doping in cycling and Armstrong’s illegal activities early in his Tour de France dominance. He said in the “30 for 30″ that it was probably the worst thing he did during the time he tried to keep people from taking him down.”To call a woman a whore is just totally unacceptable. It’s hard to be worse than that,” he said.Asked why he did it, he stumbled through his initial try and then blurted out: “Well, why did I do it? Because I was an idiot and in full attack mode; that’s why, right? I would have said anything.”O’Reilly got her revenge when she went to the U.S. Anti-Doping Agency with her allegations in 2012. She helped to get Armstrong banned from professional cycling for life. Frankie and Betsy AndreuArmstrong told the world how comfortable he was (is?) with lying when he was asked about his legal battles with the couple.”Nobody dopes and is honest. You’re not. The only way you can dope and be honest is if nobody ever asks you, which is not realistic. The second somebody asks you, you lie,” he said.”Now, it might be one lie because you answer it once, or in my case it might be 10,000 lies because you answer it 10,000 times. And then you take it a step further and you reinforce it and then ‘F— you, don’t ever f—ing ask me that question again,’ right? And then you go sue someone and then it’s . . . So that’s why it was 100 times worse. ‘Cause we all lie.”Yet, Armstrong still couldn’t say whether the Andreus were truthful when they testified in an arbitration hearing that he admitted to doping in 1996 when he was being treated for cancer at Indiana University.”If it makes everybody happy that I say it happened, I’m happy to say it happened, but I’m also going to be honest with you and say I don’t recall it happening,” he said.Floyd LandisArmstrong has not forgiven Landis for being a rat in retaliation for being kept out of cycling after serving his own doping suspension following a Tour de France victory. Two years after Landis spilled the beans in 2010, Armstrong had lost his reputation, his Tour championships and millions of dollars in endorsement money.He showed the bitterness when he was asked about moving from Texas for snowy Colorado, where he lives with his fiancee and their children: “Could be worse. I could be Floyd Landis, waking up a piece of s— every day.””It could be worse … I could be Floyd Landis.”—Lance Armstrong pic.twitter.com/tV9qM6MroY— 30 for 30 (@30for30) June 1, 2020The documentary later showed footage of Armstrong answering a question about Landis during a Q&A at a corporate function. “There’ll never be a relationship. Never,” he said. “Most people in this story, I’m fine to just forgive and forget and let’s move on. There are a few that I’m not there yet. Floyd’s one of them. You can’t . . . it’s just not forgivable.”Lance ArmstrongEnemy to those who threatened his charade. Enemy to himself. A lightning round of how he assesses the damage:On his unsuccessful fight against USADA:”I wouldn’t change a thing. . . . I needed a f—ing nuclear meltdown, and I got it.”On how he could look himself in the mirror despite being a pathological liar:”I was so used to it. It was part of the game and you kind of just become immune to that. It’s crazy to hear myself say that, but it’s the truth.”On knowing how wrong he was:”Totally inappropriate behavior. . . . Totally took advantage of my stature. For that, I’m deeply sorry. I wish I could change that. I wish I could have been a better man. All I can do is say I’m sorry and move on and hope that others do, too.”On whether he’s at peace: Lance Armstrong has more than two faces. They all had cameos in the ESPN “30 for 30” documentary “Lance,” which wrapped up Sunday night.The “Can’t lie my way out of this” face. The “This is my truth” face. The “I haven’t forgotten” face. The “I did a lot of good” (i.e., his work in fighting cancer) face. The “Hard motherf—er” face.
Listen back to the KGLO Morning News from Thursday January 31st
DES MOINES — Two weekend events in Iowa clearly illustrated the divide between the two major political parties in America.On Saturday morning at Drake University, hundreds of Democrats greeted Nancy Pelosi with a standing ovation.“Thank God we do have the right leader at the right time in our speaker of the House,” Polk County Democrats’ chairman Sean Bagniewski said in his introduction.On Saturday night on the Iowa State Fairgrounds, Republicans praised President Trump.“This is Trump Country and a place where we don’t really care what Mitt Romney thinks,” Iowa GOP chairman Jeff Kaufmann said, to cheers as he criticized a fellow Republican who has questioned some of Trump’s actions.A few hours earlier, Pelosi had been asked by a moderator to describe a recent tense meeting in the White House.“I don’t really like to start a Saturday morning talking about you know who,” Pelosi said and the crowd laughed.In discussing the impeachment inquiry, Pelosi quoted one of the country’s Founding Fathers.“We do believe the times have found each and every one of us, right now,” Pelosi said.Doug CollinsThe keynote speaker at Saturday night’s Iowa Faith and Freedom Coalition banquet on the fairgrounds was Georgia Congressman Doug Collins, the ranking Republican on the House Judiciary Committee. He vowed to follow Pelosi around the country to criticize the impeachment inquiry.“Don’t let the Democrats fool you and especially the two new ones from Iowa…You either stand with the president or you’re going to stand behind this president, because he will win again,” Collins said, to cheers.Iowa Faith and Freedom Coalition president Steve Scheffler praised Trump’s nominees to the federal courts.“Trump in my view is the greatest president in my lifetime,” Scheffler said, to applause, “even greater than Ronald Reagan.”Pelosi told the crowd of Democrats Trump has failed to live up to his oath of office.“Has anybody every said: ‘This is the most important election of our time?’, sadly, they just keep getting more urgent,” Pelosi asked, prompting laughter and applause from the audience. “…This one is. One term. It’s essential.”The 2020 General Election is 372 days away.