BEING GLOBAL LEADER IN ISLAMIC FINANCE

Financial system itu sebagai perantara yang kelebihan uang terhadap yang kekurangan uang.

perbedaan syariah dan bank yang lain ada diprosesnya . diakat yang dipakai adalah perebedaannya

bank syariah tidak boleh mengenakan bunga.

keuangan syariah konvensional dimulai pada tahun 1960 an.

mewujudkan keadilan sosial ekonomi untuk umat manusia adalah tujuan kedua didirikannya bank syariah.

mengapa kita boleh mendapatkan profit :

1. kewajiban

2. usaha

3. resiko

riba itu dapat merusak perekonomian dan dapat menyebabkan kemalasan.

keadilan sosial ekonomi belum banyak dan belum begitu terlihat. akat yang paling banyak dipakai di perekonomian syariah sendiri itu murabaha.

ada 3 hal dalam mendorong kesejahteraan ekonomi kecil menengah yang dilakukan oleh bank syariah :

1. kemampuan tekhnis

2. kemampuan manajerial

3. spiritual

KALIMAT AKTIF DAN PASIF

Active sentence is a sentence that implies the subject of the predicate. Generally, the subject is in front of the predicate

Passive sentence is a sentence that is the subject after the predicate. Passive sentence is a sentence that the subject is subjected to an act or activity. Passive sentences are usually preceded by the prefix happened or was.

Active Voice	Passive Voice
S + verb-1int + preposition + object of preposition	S (object of preposition) + is/am/are + past participle + preposition +/- by … (agent)

Active to passive

I had informed him the news before he went.

He had been informed the news by me before he went.

They had won the race after had hard work.

The race had been won by us after had hard work.

I had worried about my brother after he had gone

My brother had been worried by me after he had gone.

I had written the letter to my village before I had come.

The letter had been written by me to my village before I had come.

Dodo was asking me the question yesterday

I was being asked the question by Dodo.

I was pulling the table yesterday at nine

The table was being pulled by me yesterday at nine.

My father was driving me to my school yesterday in the morning.

I was being driven by my father to my school yesterday in the morning.

They were playing the ball together at noon yesterday

The ball was being played by them together at noon yesterday.

I was fixing her computer when she came.

Her computer was being fixed by me when she came.

Denny was punching John right in his face when the teacher came.

John was being punched by Denny right in his face when the teacher came

Passive to active

The show had been being watched by me for 2 hours

I had been being watching the show for 2 hours.

He had been being waited for by us for 4 hours when he came.

We had been waiting for him for 4 hours when he came.

English language had been being studied by us for 2 hours when the bell rang.

We had been studying English for 2 hours when the bell rang.

The suitcase had been being lifted by Jane for 20 minutes before I took

Jane had been lifting the suitcase for 20 minutes before I took.

By the time the teacher came, the book had been being read by them.

By the time the teacher came, they had been reading the book

The statue had been being built completely for 3 years before it ruined.

They had been building the statue completely for 3 years before it ruined.

The soil is fertilized by us every 6 months

We fertilize the soil every 6 months

They were met by him yesterday

He met them yesterday

This plant was watered by her this morning

She watered this plant this morning  

 They had been met by him before I came.

He had met them before I came.

http://www.wordsmile.com/rumus-contoh-kalimat-passive-simple-present-tense

http://www.belajarbahasainggrisku.com/

https://rahmanuzulikartika.wordpress.com

my hobbies

            When I was elementary school I really love the basketball because of people who are playing basketball its cool in addition to play basketball can be beneficial to raise the body. Therefore, playing basketball so make as a hobby. Almost every holiday I always fill my leis ure time playing basketball with friends in the house or a friend of the school of a hobby with me.

            Hobbies are playing basketball I diligently to junior high school. When I was junior high school I foolow the curricular basketball to hone his skills I played basketball and I ended up in the core team basketball my school, I also participated in the championship game of basketball among junior high school.

            Until at the end junior high school I reduce the time I play basketball to focus on state exam. Up until the end when youre done the 5test of my country is not so intereste again by playing basketball. I had tried to another hobby such as the taekwondo and play badminton. But after I tried I hobby I was less interested and on until the end I was invited to a friend of junior high school my first to try to play futsal and it turned out that I was very hapy with playing futsal and I make playing futsal as a hobby of my second until finally I left to play basketball.

            After I really left my hobby is playing basketball, I went on to play futsal  for playing indoor soccer is a lot of fun. Where is with the size of the field that is not too big we are required to run the ball and looking for numbers by breaking into the opponents goal.

            My posisition is a goalkeeper where in posisition is a position that requires courage and mentally very strong because the goalkeeper is the last door to keep us from being boken by the enemy. Until I was senior high school I follow the curricular of indoor soccer to hone my skills to become a goalkeeper. I and my mental honed until finally I to the futsal between senior high school untum behalf of the questions are make to take part in the tournament.

            Until now this futsal I make as a hobby, because to play futsal can eliminate boredom I to the task of the lecture very much. In my spare time, when collage almost a week I was playing futsal and who used to be the opponent is a collage friend a contempory but different class. My friend and my collage friend often also follow the tournament organized by the collage but unfortunately almost every tournament with a friend of mine, and my classmates the less fortunate and cant win the tournament because his opponent also has the ability, which is almost the same even more. Until the last one team I cant win the tournament sice losing only on goal difference. But the defeat also can I make an evaluation to my team and can play beter than before.

This is my hobby, where is your hobby.

Contoh kasus Monopoli dan Oligopoli

Contoh kasus Monopoli dan Oligopoli

Contoh kasus monopoli

Apple Tidak Ingin Berdamai Dalam Kasus Monopoli Harga eBook

Pada Agustus 2011, gugatan class action ditujukan pada Apple dan sejumlah penerbit karena dianggap mempermainkah harga ebook secara ilegal. Dan kini setelah beberapa bulan berselang, kasus tersebut masih berlanjut, yang artinya Apple harus berhadapan dengan pihak pemerintah dengan tuduhan bekerjasama dengan beberapa penerbit untuk menaikkan harga ebook populer yang tentu saja dianggap merugikan konsumen.

Pada Rabu kemarin (18 Apr) Apple yang diwakili oleh para pengacara hadir di pengadilan. Pihak Apple dengan tegas tidak ingin berdamai pada kasus ini dan ingin menyelesaikan melalui jalur hukum.

Dua dari lima penerbit tergugat, Macmillan dan Penguin Group, juga melakukan langkah sama seperti yang dilakukan Apple pada saat sesi dengar pendapat di kantor divisi anti-monopoli perdagangan Departemen Hukum Amerika.

"Menurut kami kasus ini harus diputuskan secara benar," kata pengacara Apple, Daniel Floyd kepada Hakim Distrik Amerika, Denise Cote. "Kami percaya bahwa gugatan ini salah alamat dan kami ingin meluruskannya."

Dengar pendapat belum berakhir karena akan dijadwalkan kembali pada 22 Juni mendatang. Sebelumnya pemerintah Amerika telah menentukan harga tetap untuk ebook pada 2010 saat iPad 1 rilis. Harga ebook kemudian terus melonjak rata-rata $2 - $3 tiap 3 hari di awal 2010.

Apakah class action konsumen Amerika melawan Apple ini akan selesai seperti yang mereka harapkan? Ataukah, pengacara Apple memiliki bukti kuat yang bisa membebaskan Apple dari tuduhan? Kita nantikan bersama...

Sumber : http://m.gopego.com/news_details.php?url=apple-tidak-ingin-berdamai-dalam-kasus-monopoli-harga-ebook

Contoh kasus oligolopi

Sesalkan KPPU, Smart bantah lakukan oligopoli minyak goreng

PT Smart Tbk menyesalkan putusan Komisi Pengawas Persaingan Usaha (KPPU) pada hari Selasa, tanggal 4 Mei 2010, atas pemeriksaan Perkara No. 24/KPPUI/2009 tentang dugaan pelanggaran Pasal 4, 5 dan 11 UU No. 5 Tahun 1999 tentang Larangan Praktek Monopoli dan Persaingan Usaha Tidak Sehat (UU Persaingan) pada industri minyak goreng sawit di Indonesia.

KPPU di dalam putusannya menyatakan bahwa PT SMART Tbk. (Perseroan atau SMART) beserta para terlapor lainnya terbukti melanggar Pasal 4 mengenai oligopoli, Pasal 5 mengenai penetapan harga dan Pasal 11 mengenai kartel dari UU Persaingan.

Corporate Communications and Public Relations PT Smart Tbk Harry Hanawi menyatakan keputusan tersebut karena hanya didasarkan pada asumsi serta penerapan teori ekonomi yang belum dapat dijadikan bukti yang memadai akan adanya pelanggaran pada pasal-pasal tersebut.

SMART telah menyampaikan bantahan atas temuan-temuan KPPU baik secara lisan maupun tertulis dengan menunjukkan bukti-bukti, termasuk seluruh data komersial yang bersifat rahasia kepada KPPU selama masa pemeriksaan, tegas Harry dalam siaran persnya, Kamis (6/5/2010).

Menurut dia, SMART juga telah membuktikan kepada KPPU bahwa dalam industri dan pasar minyak goreng di Indonesia justru terdapat persaingan yang sehat, dimana tidak terdapat hambatan regulasi (entry barrier).

Rangkaian rantai produksi sejak penanaman sampai produksi minyak goreng tetap memberikan kesempatan bagi pelaku usaha baru guna masuk ke dalam industri ini. Persaingan sehat inilah yang menjadikan produsen minyak kelapa sawit di Indonesia dapat mencapai hingga sekitar 100 perusahaan.

Selain itu, sambung Harry, inovasi produk dengan merek yang beraneka ragam menunjukkan bahwa industri ini tetap berinovasi secara dinamis. Di samping itu, peran pemerintah melalui penerapan pajak ekspor atas minyak sawit dan produk turunannya, serta komitmen industri atas kebijakan Kementerian Perdagangan melalui operasi pasar dengan harga minyak goreng sebesar Rp 6.000 hingga Rp 7.000 per liter, menunjukkan keberpihakan pada masyarakat dalam pemenuhan kebutuhan minyak goreng sawit dengan harga terjangkau.

Namun fakta-fakta tersebut, menurut dia, justru luput dari pertimbangan KPPU, sehingga SMART sangat menyesalkan dan menyatakan keberatannya atas putusan KPPU.

Sebagai perusahaan publik sekaligus good corporate citizen yang selalu berpedoman pada ketentuan dan regulasi yang berlaku, Harry menegaskan bahwa persaingan hanya dilakukan SMART secara sehat dan terbuka mengedepankan prinsip good corporate governance.

Saat ini, sambil menunggu diterimanya keputusan tertulis KPPU, kami tengah mempersiapkan pengajuan keberatan sesuai ketentuan yang berlaku guna mendapatkan keadilan dan kepastian hukum dari perkara ini, papar Harry.

SMART, lanjutnya, berharap keadilan dan kepastian hukum bagi pelaku usaha dapat berdiri tegak demi bertumbuhnya industri dan investasi di Indonesia, khususnya di sektor industri sawit dimana Indonesia merupakan produsen utama dunia, sehingga dapat senantiasa memberikan manfaat bagi bangsa dan negara.

sumber : http://indirasarihananto.blogspot.com/