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Abstrak :
ABSTRACT
ABC Hotel has existed as budget hotel for approximately 20 years, upheaval of tight competition in the budget hotels affect to ABC Hotel in the future. Today, ABC hotel is facing a lot of challenges to survive in the competition. Navigate the company to create more customer values is a road to competitiveness to survive within the industry. ABC Hotel can create more portfolios of competitive action conforms of its competitor to gather brand equity and loyalty. Those portfolio actions mixed with strategy pursuing value innovation. Value innovation can be reach by identifying guests? needs with new superior value for mass buyers and affordable price

Abstrak :
ABSTRACT
Since early 2000s, Indonesian mortgages business continued to record a significant growth, outpaced the growth of overall Indonesian banking system loans. This growth was supported by strong growth property sector in line with strong demand in housing as one of the society basic needs. After post financial crisis in 1998, the role of banking systems has shifted from initially focus on developer financing to consumer financing. The Bank has focused in developing the mortgage business since 2007 by launching several product programs with relatively competitive interest rates and longer tenor compared to the other product programs from competitors. Since 2007, the growth of the Bank‟s mortgage portfolio has outpaced the industry and approaching the end of 2012 the Bank‟s was the market leader for non-subsidized mortgage market. The results of this research show that during 2007 ? 2012 the Bank has been able to avoid head-to-head competition. However, the Bank has continuously explored other blue oceans in order to stay in less competitive zone in mortgage business.

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Abstrak :
Innovation design presents an approach to designing shared value for businesses, non-profit organizations, end-users and society. The societal and economic challenges we are currently facing, such as the aging population, energy scarcity and environmental issues, are not just threats but are also great opportunities for organizations. Innovation Design shows how organizations can contribute to the process of generating value for society by finding true solutions to these challenges. And at the same time it describes how they can capture value for themselves in business ecosystems that care for both people and planet. This book covers, creating meaningful innovations that improve quality of life, engage users and provide value for organizations and other stakeholders, guiding the creation of shared value throughout the innovation process, with a practical and integrative approach towards value that connects ideas from economics, psychology, sociology and ecology, designing new business models and business ecosystems to deliver sustainable benefits for all the involved parties and stakeholders, addressing both tangible and intangible value.