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"Anyone who wants to get the best deal when financing a home needs to be armed with a little insider advice. The second edition of Mortgage Confidential lets readers in on what lenders really look for before they approve a loan, options they won't often divulge, which costs they have control over, and little-known sources of down payment money. Including up-to-the-minute information on new licensing and disclosure rules and the latest eligibility requirements, the book shows readers how to: Complete the loan application to maximize their chances of approval * Steer clear of credit repair scams * Pay zero closing costs * Qualify for the lowest rates * Avoid origination charges * Determine whether paying "points" can save them money * Identify a "rip-off" loan program * Refinance-even if their equity has dropped * And more! Whether looking into securing a mortgage for the first time or seeking to refinance, Mortgage Confidential gives readers the confidence and information necessary to get through this complicated process and find the ideal loan for their needs."

"With mortgage stories dominating the front-page news, people - whether they're buying a new house or refinancing - increasingly have questions about the complicated issues at stake. Arranged in an easily accessible question-and-answer format, "Mortgages 101" provides readers with essential lending formulas, as well as important information on lending requirements and application procedures. This revised edition includes up-to-date material on new loan and government programs, changes to the law regarding tax deductions, down payment assistance, bankruptcy, and more - in short, all the answers readers need, in one must-have reference."

"Studi ini mencoba memahami bagaimana logika dominan dinamis dirangsang dan mempengaruhi kinerja perusahaan dengan mengupayakan kesesuaian strategis dinamis. Beberapa ahli percaya bahwa internasionalisasi dapat meningkatkan daya saing dan prospek kelangsungan hidup Usaha Kecil Menengah (UKM) (Zhou dan Wu 2014; Lee et al. 2012) . Sarjana lain telah mengidentifikasi tiga (3) faktor kunci yang mempengaruhi internasionalisasi UKM, yaitu (a) konteks institusional (Li, 2013), (b) kapabilitas dinamis spesifik pemilik (Chittoor, et al., 2017), dan (3) kapabilitas dinamis organisasi (Mudalige et al, 2018). Namun, penelitian yang mengkaji interaksi dinamis antara ketiga faktor tersebut terhadap kinerja internasionalisasi UKM masih terbatas, terutama dalam konteks negara berkembang seperti Indonesia. Kajian ini dimaksudkan untuk mengisi gap penelitian tersebut dengan mengukur pengaruh konteks institusional, kapabilitas dinamis spesifik pemilik, dan kapabilitas dinamis organisasi terhadap kinerja ekspor UKM Indonesia. Hasil empiris dari 88 usaha kecil pengekspor di Indonesia menunjukkan bahwa kapabilitas dinamis organisasi sangat dipengaruhi oleh konteks kelembagaan, terutama regulasi pemerintah dan dukungan budaya. Sementara itu, kapabilitas dinamis spesifik pemilik secara empiris terbukti tidak dipengaruhi oleh konteks kelembagaan dan perlu dimediasi oleh kapabilitas dinamis organisasi untuk mempengaruhi kinerja. Terakhir, kinerja UKM pengekspor terbukti secara langsung dipengaruhi secara signifikan oleh konteks kelembagaan dan kapabilitas dinamis organisasi.

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This study attempts to understand the impact of institutional context and dynamic capabilities to the performance of Indonesia SMES International Business. Some scholars believed that internationalization could enhance Small Medium Enterprises (SME) competitiveness and survival prospects (Zhou and Wu 2014; Lee et al. 2012). Other scholars have identified three (3) key factors affecting internationalization of SMEs, which are (a) institutional context (Li, 2013), (b) the owner specific dynamic capabilities (Chittoor, et al., 2017), and (3) the organization dynamic capabilities (Mudalige et al, 2018). However, there are limited research that study the dynamic interaction between these three factors to SME internationalization performance, especially with the context of emerging economies like Indonesia. This study intended to fill the research gap by measuring the interaction of institutional context, owner specific dynamic capabilities, and organization dynamic capabilities to the export performance of Indonesian SMEs. Empirical results from 88 exporting small business in Indonesia showed that organization dynamic capabilities are significantly influenced by institutional context, mainly government regulations and cultural support. Meanwhile, owner specific dynamic capabilities are empirically proven not influenced by institutional context and needs to be mediated by organization dynamic capabilities to influence performance. Finally, the performance of the exporting SMEs is proven to be significantly influenced directly by institutional context and organization dynamic capabilities."

"To make real money, investors need the right financing. And as they buy multiple properties, their debt equity rises and it becomes more difficult to get financing. As many investors have learned the hard way, getting the wrong financing can wipe out their profits, hold them back from selling because of a lack of equity, or force them to try to sell for more than the market will bear. "The Real Estate Investor's Guide" to financing is the one book that shows readers how to get the right financial package for the biggest return on their investment. As a respected author and mortgage banker, David Reed has spent more than twenty years helping investors finance their properties. Complete with advice on creative financing and a glossary of investment terms, this is the one guide that will help readers avoid the mistakes that can derail any deal, and start making real money."

"The housing market is in turmoil, but if there's a silver lining, it's the fact that purchase prices are at historic lows. Sure, there are still plenty of predatory lenders waiting to exploit the naive potential buyer, but those who do their homework will be rewarded with a fair price and manageable mortgage terms. "Decoding the New Mortgage Market" is a map to finding the best and most realistic mortgage deals while navigating past potential obstacles and traps. This book is filled with money-saving advice. Because lenders and buyers alike have gotten 'burned' in the mortgage crisis, finding and qualifying for a manageable loan may now be more difficult. Readers will find that "Decoding the New Mortgage Market" makes the search both easier and more fruitful, and that their dreams of home ownership are still within their reach."

"Tesis ini membahas mengenai strategi penataan kelembagaan di Kementerian ESDM. Dalam menghadapi perubahan lingkungan, suatu organisasi perlu dilakukan penataan. Penataan kelembagaan yang fundamental dan substantif sangat penting untuk dilakukan karena penataan kelembagaan pada hakikatnya merupakan suatu langkah strategis dan sistematis yang dilakukan oleh suatu organisasi agar organisasi lebih profesional dan proporsional. Kementerian ESDM merupakan instansi pemerintah yang telah melakukan penataan organisasi. Jumlah organisasi Kementerian ESDM mengalami penambahan secara signifikan. Belum disusunnya peta proses bisnis membuat kelembagaan Kementerian ESDM yang telah disusun menjadi kurang efektif dan efisien. Hal tersebut ditandai dengan adanya tumpang tindih dalam pelaksanaan tugas dan fungsi antar unit organisasi di lingkungan Kementerian ESDM. Berdasarkan permasalahan tersebut dalam penataan kelembagaan perlu strategi agar organisasi berjalan secara efektif dan efisien sehingga tercipta organisasi yang tepat ukuran (right sizing) sesuai dengan beban kerja dan kebutuhan organisasi.

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This thesis discusses the strategies of institutional restructuring in the Ministry of Energy. In the face of environmental change, an organization needs to do the arrangement. Fundamental institutional arrangements and substantive is very important because the institutional arrangement essentially a strategic step and systematically carried out by an organization so that the organization more professional and proportionate. The Ministry of Energy and Mineral Resources is the government agency that has conducted organizational management. MEMR number of organizations experienced significantly increase. Has not been drawn up maps business processes to make institutional MEMR has been prepared to be less effective and efficient. It is characterized by an overlap in the tasks and functions between organizational units within the Ministry of Energy. Based on these problems in the reform of institutions need a strategy for the organization works effectively and efficiently so as to create the right organizational size (right sizing) according to the workload and the organization's needs."