TUGAS BAHASA INGGRIS 4

Real conditions (true in the present/future)

if I had graduated from college later, I will work in foreign countries

Unreal conditions (contrary to present / future)

if i get a prize of one billion now, I will invite my family on vacation to Europe

Unreal conditions (contrary to past future)

if i hadn't been busy yesterday, I would accompany my mother to break the fast at home

TUGAS BAHASA INGGRIS 3

Library:

1.      You should return the books that you borrowed form library

2.      You should have to return thr books right away

3.      We can borrow books from the library

4.      We can’t borrow books today, because the library is close

Museum

1.      We should gather in front of the museum before 09.00 am.

2.      We should’t have to pay the ticket, because my brother had paid for us

3.      We can bring camera to the museum

4.      You can’t bring foods and eat inside the museum.

Park

1.      We should go to the park to refresh your mind

2.      We should’t step on the grass in the park

3.      You can play with your friend in the park

4.      We can’t throw the rubbush everywhere

Restaurant

1.      We should make reservation before we go to restaurant

2.      You should’t bring foo from other restaurant

3.      You can order burger in this restaurant

4.      You can’t eat the food in this restaurant, because the restaurant taste is horrible

Mall

1.      You should fit the clothes before you bought if from the mall

2.      You should’t throw the price tg before you pay it from mall

3.      We can see many things in mall

4.      We can’t taje the things from mall before you pay it.

OJK says RI banking industry has future

The Financial Services Authority (OJK) said that the Indonesian banking industry was showing much more potential in comparison to its Southeast Asian neighbors.

Based on OJK data, as of Dec. 31, 2013, Indonesian banks had a net interest margin of 4.89 percent, as reported by tribunnews.com.

In comparison, the net interest margin in the Philippines stood at 3.3 percent, 2.6 percent in Thailand, 2.3 percent in Malaysia and 1.3 percent in Singapore.

"This shows that we have far better prospects than our neighboring countries," Slamet Edy Poernomo, the OJK's banking supervision director, said in Jakarta on Friday.

Slamet emphasized that Indonesians should anticipate the expected increase in the number of foreign banks in the country following the launch of the ASEAN Economic Community (AEC) in 2015.

"The OJK has prepared a 2014 Indonesian Banking Masterplan in preparation for the AEC in order to enhance our banks' competitiveness," he said.

Other efforts include educating the public about the importance of consumer protection. (fss)

http://www.thejakartapost.com

"I think this is a fresh angina for investors who will or already has share in Indonesia. But it must be so maintained, dikarenkan free trade (APEC) in 2015 which started a huge impact on the growth of the State economy. If the government can not afford to control Indonesia and could face huge losses."

Spirit of the Entrepreneur

You hear it all the time from famous entrepreneurs: Long before they were running multimillion-dollar companies, they were flexing their entrepreneurial skills by selling lemonade on the corner, building gadgets in their garage or hosting weekly college beer pong tournaments. It seems that behind every successful mogul is a kid who grew up knowing they were born for business.

But what exactly is it that sets entrepreneurs apart from the rest? What is it that makes certain people believe in themselves enough to take the prospect of failure head-on and have the determination to come out on top? It takes a special kind of person to set an idea in motion, riding the highs and lows from humble beginnings to ultimate success.

The entrepreneurial spirit is a gift that inspires others to become the best they can be. From passion and positivity to leadership and ambition, here are the entrepreneurs that best define the entrepreneurial spirit.

http://www.moneynews.com

"In my opinion, an entrepreneur must have passion, leadership skills, strong ambition and willpower. If all of these things already owned, a person can start to become entrepreneurs. And become entrepreneurs so starting from what we like, because it makes all that we do not make a very pleasant and unencumbered."

This Year, Rupiah Is Predicted Will Be Number 1 In Asia

Some analysts of the most accurate version of Bloomberg predicted that Rupiah will rise from the worst position to be the number one among other Asian currencies this year.

According to Lloyds Banking Group Plc, the rupiah will strengthen by 6.8 percent in 2014 to a level of 11,400 per U.S. dollar. Meanwhile, Societe Generale SA will see the rupiah was at 10,250 at the end of next year. In comparison, the median of 23 analysts surveyed by Bloomberg predict the rupiah will be at the level of 12,200 per U.S. dollar.

Among the 10 countries of Asia, only China can beat Indonesian growth.

There are several factors that will allegedly keep the Rupiah. One of them, a steady growth of the Indonesian economy and the reduce of trade deficit. Two factors are again the main attraction for foreign funds to re-invest in Indonesia.

 “We predict the current value of the rupiah is below as it should be (undervalued) considered the dynamic growth in Indonesia,” said Jeavon Lolay, Global Research Director of Lloyds .

He added that the Indonesian economy will move in line with the positive growth in the global economy, which in turn will help to restore the level of exports in the next second quarter.

As a record, Indonesia’s currency has gained 0.7 percent this month to 12,085 per U.S. dollar. This is the best reinforcement among 11 Asian most frequently currencies traded.

"In my opinion, the rupiah was very good news. Due to the increasing number of foreign investors who want to invest in Indonesian shares. Rupiah in the eyes of the world are still less desirable, if the future Indonesian rupiah always changes very well. Will also result in good growth for the economy in the country."

The Foods and Beverages Merchants in Jabodetabek Lost Their Income Until Rp 200 billion

Bad weather that hit several regions in Indonesia is large enough to impact the food and beverage industry in this country. For only the Jabodetabek area, the floods predicted suppress the turnover to 25 percent.

Chairman of the Food and Beverage Association of Indonesia (Gapmmi) Adhi Lukman explained, a decrease of revenue is due to the difficulty of the distribution of products from the factory to the market because of the flooding block. Thus, it spreads on the decline in consumption.

As an overall result, Adhi estimated the food and beverage industry in Jabodetabek lost the income until Rp 200 billion per day. “In the normal situation, the income in each day for this region reached USD 800 billion,” he said on Tuesday (01/21/2014).

It is not only the distribution to the consumer, food and beverage manufacturers must also bear the losses due to the distribution of raw materials from the another region which also faltered.

For example, the transportation of fresh fruit and meat from Central Java, currently takes up to four days. Though, it usually takes only a half day. “Whereas within five days, the fresh raw materials will rot in about 50 percent” he said.

It hasn’t counted yet the losses because the factory could not be operated due to workers who could not get in because of flooding, or because there is no electricity supply due to outages by PLN in some areas.

Despite the losses is in sight, according to Adhi, manufacturers of foods and beverages will not raise their selling prices. Because this problem is only temporary.

"I think Indonesia especially Jakarta floods should always have to think of alternative ways to reduce the losses of the merchants. Semisalnya have tools that can be used to accelerate the delivery of flood or other production. Insurance that provides comfort to open up business opportunities in Jakarta."

Women Entrepreneurs Tend to Be More Professional

Women entrepreneurs have shown their movement in the economic development of Indonesia. The minister of Cooperatives and SMEs Sharif Hasan told a group of women entrepreneurs are proactive in improving the welfare at least in their family.

 “Women Entrepreneurs is a group of active women who have dared to take the initiative in economic development in order to improve the welfare of the family,” said Sharif at the Young Entrepreneur and Independent Young Technopreneur 2014 in Senayan, Wednesday ( 15/01/2014 ).

Moreover, Sharif said that women entrepreneurs tend to be more professional. “Women entrepreneurs are more responsible and professional in managing finances,” he said .

Sharif said the government and banks have supported women entrepreneurs by providing financing access. Such access is expected to provide an opportunity for women entrepreneurs to develop their business.

“In 2013 the business credit (KUR) has exceeded U.S. $ 137 billion to 10 million borrowers. All financial access has been implemented” said Sharif.

"In my opinion, it taka sing again a woman to be an entrepreneur or work. It was done in all to help supplement the family income as well as a force not to be demeaned women. And women can divide his time between work and home that all the makes women become more professional and capable of dividing time."

Ekspor ke Tiongkok Melonjak, Neraca Perdagangan RI Surplus

Jakarta -Neraca perdagangan Maret 2014 mengalami surplus US$ 673,2 juta. Ekspor tercatat US$ 15,21 miliar, lebih besar dibandingkan impor yang US$ 14,54 miliar.

Sementara akumulasi Januari-Maret 2014, neraca perdagangan juga surplus US$ 1,07 miliar, dengan ekspor US$ 44,32 miliar dan impor US$ 43,25 miliar.

"Surplus itu sebenarnya tren yang baik, sama dengan Februari. Jadi gambaran membaik dua bulan berturut-turut," kata Kepala Badan Pusat Statistik (BPS) Suryamin pada konferensi pers di kantornya, Jakarta, Jumat (2/5/2014).

Nilai ekspor Maret tumbuh 3,95% dibandingkan Februari. Komponen migas turun 3,24%, dari US$ 2,73 miliar menjadi US$ 2,64 miliar. Sementara non migas naik 5,59% dari US$ 11,9 miliar menjadi US$ 12,57 miliar.

Namun secara kumulatif, ekspor masih melambat 2,42% secara year on year(yoy).

Ekspor non migas masih didominasi oleh bahan bakar mineral sebesar US$ 5,63 miliar dan lemak serta minyak hewan/nabati US$ 5,29 miliar. Pangsa ekspor non migas pun masih didominasi negara-negara tradisional. Seperti Tiongkok US$ 4,93 miliar, Amerika Serikat US$ 3,83 miliar, Jepang US$ 3,57 miliar, ASEAN US$ 7,08 miliar, dan Uni Eropa US$ 4,16 miliar.

Peningkatan ekspor paling tinggi terjadi di Tiongkok untuk beberapa komoditas. Di antaranya lemak dan minyak hewan/nabati naik 35,09%, bahan kimia naik 104,79%, dan bahan kertas naik 8,81%.

Sementara nilai impor Maret tumbuh 5,42% dibandingkan Februari. Komponen migas naik 15,83% dari US$ 3,46 menjadi US$ 4,01 miliar. Non migas naik 1,94% dari US$ 10,33 miliar menjadi US$ 10,53 miliar.

Secara kumulatif Januari-Maret 2014, impor juga melambat 5,27%. 

Impor non migas didominasi oleh mesin dan peralatan mekanik senilai US$ 6,24 miliar dan mesin dan peralatan listrik US$ 4,43 miliar.

Impor juga masih datang dari negara-negara tradisional. Di antaranya adalah Tiongkok US$ 7,15 miliar, Jepang US$ 4,23 miliar, Singapura US$ 2,48 miliar, ASEAN US$ 7,24 miliar, dan Uni Eropa US$ 3,17 miliar.

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"Menurut saya, hal tersebut sudah sangat baik. Indonesia seharusnya sudah harus mulai memperbanyak ekpor dari dapa impor. Karena banyak sekali hasil produksi dalam negri yang sangat layak untuk menjadikan produk ekspor dan Indonesia dapat menjadi Negara yang terpandang karena hasil ekspor yang kualitasnya sangat baik."

Impor Barang Konsumsi Naik karena Beras, Daging, dan Bawang

Jakarta -Impor non migas pada Maret 2014 tercatat US$ 10,53 miliar, naik 1,94% dibandingkan Februari yang sebesar US$ 10,33 miliar. Peningkatan ini disebabkan oleh lonjakan impor barang konsumsi.

Kepala Badan Pusat Statistik (BPS) Suryamin menyebutkan, impor barang konsumsi Maret adalah US$ 1,1 miliar, naik 20,5% dari Februari yang sebesar US$ 898,6 juta.

Sementara impor kelompok bahan baku/penolong mengalami kenaikan 6,25% dari US$ 10,5 miliar menjadi US$ 11,2 miliar. Sedangkan impor barang modal justru turun 4,11% dari US$ 2,3 miliar menjadi US$ 2,2 miliar.

Dalam kelompok barang konsumsi ini, Suryamin menuturkan, didominasi oleh bahan pangan. Di antaranya adalah impor bawang merah, bawang putih, gandum, beras, dan daging.

Namun di sisi lain, lanjut Suryamin, produk-produk tersebut adalah jenis barang yang sangat strategis untuk pengendalian inflasi. Ia menilai impor bahan pangan itulah yang menjadi salah satu penyebab terjadinya deflasi sebesar 0,02% pada April.

"Jadi yang diimpor bukan pakaian, tapi komoditi yang digunakan untuk mengontrol harga bahan pokok sehingga inflasi terkendali," tegas Suryamin dalam konferensi pers di kantornya, Jakarta, Jumat (2/5/2014).

Meski begitu, Suryamin menyatakan impor bahan pangan tetap harus menjadi perhatian. Dia ingin agar produk-produk tersebut tersedia bukan dari impor, melainkan dalam negeri.

"Ini sangat penting bagi pemerintah untuk meningkatkan produksi. Tingkatkan produksi bawang, beras, dan daging," kata Suryamin.

(mkl/hds)

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"Menurut saya, mengimpor barang konsumsi tidak terlalu buruk. Akan tetapi harus melihat barang konsumsi di Indonesia sendiri. Apabila terlalu banyak barang konsumsi yang di impor maka para petanipun sangat mengalami kerugian. Hal ini itu menjadikan penurunan penghasilan para petani, seharusnya pemerintah membantu para petani untuk menghasilkan barang konsumsi yang berkualitas dan mencukupi kebutuhan dalam negri."

Produksi Tekstil RI Turun Gara-gara Serbuan Barang Impor

Jakarta -Produksi industri manufaktur jenis tekstil pada kuartal I-2014 turun sebesar 5,88% dari periode yang sama pada 2013. Dibandingkan dengan kuartal IV-2013, produksi tekstil pun turun sebesar 6,61%.

Deputi Bidang Statistik Produksi Badan Pusat Statistik (BPS) Adi Lumaksono menuturkan salah satu faktor penyebabnya adalah serbuan produk tekstil dari negara lain. Dengan harga yang lebih murah dan produk yang lebih menarik, tentu menarik minat konsumen.

"Memang kan indikasinya kita diserbu barang-barang dari luar. Mungkin orang tertarik karena harga. Ketika harga di luar lebih murah dan lebih variatif, praktis industri kita dari sisi permintaan akan berkurang," papar Adi di kantor pusat BPS, Jakarta, Jumat (2/5/2014).

Faktor lainnya, lanjut Adi, adalah kenaikan upah minimum pada 2013 dan 2014. Di samping itu ada juga kenaikan tarif listrik yang dilakukan secara bertahap selama 2013.

"Upah ini besar kontribusinya. Karena padat karya, upah naik langsung berpengaruh ke harga barang. Listrik juga berpengaruh," sebutnya.

Di sisi lain, ekspor produk manufaktur justru melambat akibat penurunan permintaan. "Ekspor banyak yang terpengaruh seperti nilai tukar, hubungan dengan negara lain apakah ada krisis. Kalau ada, kita nggak bisa menaikkan ekspor," kata Adi

Secara keseluruhan, pada kuartal I-2014 produksi industri manufaktur mengalami penurunan 0,02% dibandingkan kuartal IV-2013. Namun bila dibandingkan denagn kuartal I-2013, terjadi kenaikan 3,76%.

(mkl/hds)

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"Menurut saya, peran pemerintah sebagai pengendali Negara ini harus andil dan terlibat karena barang-barang impor yang saat ini mudah untuk dimasuki Indonesia sudah sangat banyak ditambah dengan harga yang murah dibandingkan barang local dan yang terjadi Indonesia lebih banyak menimpor daripada mengekspor. Hal itu menjadikan kurang baik untuk pertumbuhan ekonomi Negara karna Negara hanya menjadi konsumtif tanpa memproduksi barang sendiri".