Tugas Bahasa Inggris 2 (Membuat Kalimat)

Membuat kalimat dari kata yang sudah ditentukan dan harus menggunakan kata (cat, can't. should, shouldn't)

1.        Can

You are can read a book in the Library. >> You are allowed read a book in the Library

You are can learn history in Museums of Jakarta. >> You are allowed learn history in Museums of Jakarta.

You are can play in the garden at the holiday Park. >> You are allowed play in the garden at the holiday Park.

We are  can eat in the Restaurant at any time. >> We are  allowed eat in the Restaurant at any time.

We are  can shop for clothes at the Mall. >> We are allowed shop for clothes at the Mall.

2.        Should

You should be diligent to go to Library. >> You expected to be diligent to go to Library.

You should learn history in Museums. >> you expected to learn history in Museums.

You should keep the Park clean. >> You expected to keep the Park clean.

If you are hungry, you should eat in a Restaurant. >> If you are hungry, you expected to eat in a Restaurant.

If there is a discount, you should shop at the Mall. >> If there is a discount, you expected to shop at the Mall.

3.        Can't

You can't be loud in the Library. >> You permitted to be loud in the Library.

We can't be noisy in the Museum. >> We permitted to be noisy in the Museum.

We can't sleep in the Park. >> We permitted to sleep in the Park.

We can't dump in Restaurant. >> We permitted to dump in Restaurant.

We can't throw away trash in the Mall. >> We permitted to throw away trash in the Mall.

4.        Shouldn't

you shouldn't eat in the Library.

We shouldn't sleep at the Museum.

We shouldn't  dirt Park.

We shouldn't make noise in the Restaurant.

We shouldn't burn the Mall.

Bahasa Inggris 2

I. In the following sentences supply the articles (a, an or the) if they are necessary. if no article is necessary, write Ø.

1. Jason's father bought him a bicycle that he had wanted for his birthday
2. The Statue of Liberty was a gift of friendship from Ø Franceto Ø United States.
3. Rita is studying Ø English and Ø math this semester.
4. Please give me a cup of Ø coffe with Ø cream and Ø sugar.
5. The big books on the table are for my history class.
6. What did you eat for Ø breakfast this morning?
7. Rita plays a violin and her sister plays a guitas.
8. while we were in Ø alaska, we saw an eskimo village.
9. The chair that you arw sitting is broken.
10. On our tripto Ø Spain, we crossed the Atlantic Ocean.

II. Fill in the blanks with the appropriate form of other

1. This pen isn't working. Please give me another pen.
2. if you're still thirsty. I'll make another pot of coffee.
3. this dictionary has a page missing. Please give me another dictionary.
4. he doesn't need those books. He needs the other books/other boo
5. The others there re thirty people in the room. Twenty are form Latin America and the other re from othercountires.
6. six people are in the store. Two were buying meat another was looking at magazines. the other was eating a candy bar. the others were walking around looking dor more food.
7. this glass of milk is sour. another glass of milk is sour too.
8. the army was practicing its drills. Ine group was doing artillery practice. another was marching;another was at attention; and another was practicing combat tactics.
9. there are seven students from Japan. other students are from Iran, and other are from otherplaces.
10. we looked at cars today. They first two we far too expensive, but the other ones were reasonably priced.

OJK pushes BTPN, Sumitomo to merge

OJK pushes BTPN, Sumitomo to merge

The Financial Services Authority (OJK) is expecting that Bank Tabungan Pensiunan Nasional (BTPN) and Bank Sumitomo Mitsui Indonesia, two subsidiaries of Japan’s Sumitomo Mitsui Banking Corporation (SMBC), will merge to strengthen their presence in the country.

OJK commissioner on banking supervision Nelson Tampubolon said on Thursday that the regulator would ask BTPN and Bank Sumitomo Mitsui Indonesia to include the consolidation arrangement in their 2015 banking business plan (RBB).

The request, Nelson said, was a follow-up from an earlier consolidation commitment by SMBC. 

“It [SMBC] has given us a letter of commitment to carry out the consolidation in the future, but it has not firmly defined a time frame,” he said in a text message.

Neither BTPN nor Sumitomo Mitsui Indonesia put the consolidation plan in their RBBs for 2014.

Currently, SMBC holds a 40 percent stake in BTPN, a medium-sized lender that focuses on disbursing loans to pensioners and micro-customers. SMBC initially acquired a 24.3 percent share in the bank from TPG Nusantara S.á.r.l., BTPN’s other shareholder, in May 2013.

SMBC, one of Japan’s largest banks, then increased its stake in BTPN by acquiring another 15.7 percent of TPG’s shares in March. Following the acquisition, TPG had a 25.9 percent share, while the public controls the remaining 34.1 percent.

According to BTPN’s first quarter financial results, it had Rp 67.35 trillion (US$5.82 billion) in consolidated assets as of March. Its outstanding loans amounted to Rp 41.1 trillion and its third-party funds reached Rp 46.62 trillion.

SMBC now has a 98.5 percent stake in Sumitomo Mitsui Indonesia. The remaining shares are held by private lender Bank Central Asia (BCA) and state-owned lender Bank Negara Indonesia (BNI), with 1 percent and 0.5 percent, respectively.

Unlike BTPN, Sumitomo Mitsui Indonesia currently channels most of its loans to corporate customers. It also provides trade financing for export and import activities, and offers cash management services.

The bank’s December 2013 financial statement shows that it had Rp 46.83 trillion in assets, Rp 34.35 trillion in outstanding loans and Rp 18.53 trillion in third-party funds. 

Separately, BTPN compliance director and corporate secretary Anika Faisal confirmed that the lender’s management and shareholders would discuss the merger. 

“There are many things to consider, including the minor shareholders. We will definitely consult with the regulator as well,” she said.

While awaiting further decisions from its shareholders, BTPN is also looking forward to the OJK’s statement regarding the lender’s plan to convert its newly acquired subsidiary into a sharia lender.

As previously reported, it acquired a majority stake in Bank Sahabat Purba Danarta earlier this year from the Purba Danarta Foundation and PT Triputra Persada Rahmat, which is controlled by tycoon Theodore Permadi Rachmat.

BTPN plans on turning Sahabat into BTPN Syariah and merging it with its sharia business unit after the latter is spun off. It will move Sahabat’s headquarters to Jakarta from the current location in Semarang, Central Java, to better coordinate its future sharia business.

World Cup expected to boost Kalbe Farma’s sales this year

World Cup expected to boost Kalbe Farma’s sales this year

Pharmaceutical giant PT Kalbe Farma (KLBF) says that it is upbeat about business in 2014 as it expects World Cup-related events and the government-backed universal health coverage program to drive up sales.

The company’s consumer health division will be largely influenced by the world’s largest sports event, as people will seek stamina boosters to keep up with the matches, according to Kalbe corporate secretary Vidjongtius.

The consumer health division offers products such as energy drinks Extra Joss and Fatigon Hydro, as well as multivitamin Sakatonik.

“A special event like this [the World Cup] has always been positive for sales of our products,” Vidjongtius said.

Supported by the World Cup hype, Kalbe Farma estimates that the sales of its consumer health products will be 20 to 25 percent higher in 2014 compared to 2013.

Last year, the consumer health division recorded Rp 2.5 trillion (US$216.2 million) in sales, a 16.6 percent increase from a year ago.

Consumer health made up 15.7 percent of Kalbe Farma’s total sales, which amounted to Rp 16 trillion.

By setting the minimum growth target at 20 percent, sales of the company’s consumer health products are expected to touch Rp 3 trillion in 2014.

Kalbe Farma is therefore now stepping up promotional activities related to the World Cup. The company has been carrying out various World Cup promotions since early this year.

“For example, we hold indoor soccer competitions to promote Extra Joss,” Vidjongtius said, adding that male customers were its top priority.

Besides consumer health, Kalbe Farma’s product line also includes prescription drugs and nutritional products.

Its January to March unaudited financial report reveals that sales of prescription drugs became the second-biggest contributor to its total revenue. The biggest contributing sector for Kalbe Farma’s business is its distribution and logistics business.

The company booked Rp 4.07 trillion in revenue, rising by 16.5 percent year-on-year. Its net profit increased by 11 percent to Rp 493.1 billion during the first three months of this year.

Kalbe Farma hoped that the universal health coverage program would contribute positively to the publicly listed company’s performance after the program was launched early this year, Vidjongtius said.

“Following the [program’s] implementation, government institutions accounted for 12 percent of our prescription drugs sales, while they only made up 11 percent by the end of last year,” he added. “The result was positive in the first quarter.”

For its overall business in 2014, Kalbe Farma has set its growth target at 16 percent.

Meanwhile, the financial report shows that it had Rp 11.62 trillion in total assets at the end of March. The company’s liabilities stood at Rp 2.63 trillion and its equities reached Rp 8.99 trillion.

Kalbe Farma’s shares ended Thursday’s trading at Rp 1,550 apiece. Shares in the company, which had a market capitalization of Rp 72.6 trillion, have gained 24 percent so far this year, outperforming the broader Jakarta Composite Index’s (JCI) 13.7 percent increase.

Comments :

I think what is targeted PT. Kalbe Farma is very realistic. with the World Cup, will be a lot of people who consume health products and drinks boost stamina. on the other it Products Extra Joss frequently become advertising on television shows the World Cup will also boost sales of that product.

Source : http://www.thejakartapost.com/news/201....

BRI to operate satellite for better services

BRI to operate satellite for better services

State-owned lender Bank Rakyat Indonesia (BRI) on Monday signed agreements with US satellite manufacturer Space Systems/Loral, LLC. (SSL) and French satellite launch services provider Arianespace to build and launch a satellite that BRI claims will help expand its service coverage.

The deals were signed by BRI president director Sofyan Basir, SSL senior vice president for programs and system David Bernstein and Arianespace senior vice president for sales and customer Jacques Breton.

President Susilo Bambang Yu-dhoyono, State-Owned Enterprises Minister Dahlan Iskan and Communications and Information Technology Minister Tifatul Sembiring attended the signing ceremony.

According to the agreement, the American company will be responsible for manufacturing the satellite, which will take around 24 months to complete.

Meanwhile, Arianespace will launch the satellite, to be named “BRIsat”, at a ceremony scheduled for June 2016 at the latest at Guiana Space Center in Kourou, French Guiana.

Bernstein said that with the deal, BRI would become the only bank in the world that owned and operated its own satellite.

The satellite will weigh about 3,500 kilograms at launch, be equipped with 45 transponders and will be able to cover Indonesia, other Southeast Asian countries, East Asia, Hawaii and the western part of Australia.

The 45 transponders, Sofyan said, would enable the satellite to support BRI’s operational expansion.

“At the moment, we use between 22 and 23 transponders from nine satellite service providers. As our business grows, we will require more transponders. By 2016, we estimate that we will need around 28 to 30 transponders,” he said.

Its latest financial and operational report reveals that BRI operates more than 9,800 offices and outlets and more than 104,000 electronic channels, such as automated teller machines, electronic data capture units and cash deposit machines.

The bank is looking to open 500 more branch offices to bring the total number to exceed 10,000.

As many as four of the 45 transponders will be allocated for the Indonesian government and the rest will be available for various purposes, according to Sofyan.

BRI hopes to obtain the Communications and Information Technology Ministry’s frequency license soon after the satellite is launched.

It has already obtained the ministry’s approval to become a satellite operator under the latter’s special category — under which non-telecommunications firms may apply for permits — and to operate the satellite in the 150.5 degrees east longitude orbital slot, which is being used by telecommunications firm Indosat.

Tifatul previously said the functional lifetime of Indosat’s satellite in that orbit was estimated to end in 2014.

By having its own satellite, BRI — now the most profitable lender in Indonesia — also expects to push down its information technology (IT) costs.

BRI currently spends around Rp 400 billion (US$34.58 million) to Rp 500 billion per year to finance its IT needs. The figure is estimated to climb to Rp 500 billion to Rp 600 billion next year.

“The satellite will take no more than $250 million in total costs, including for insurance, and we will be able to use it for at least 15 years. That way we can save a lot of money,” Sofyan said.

China widens currency's fluctuation vs. dollar

China widens currency's fluctuation vs. dollar

BEIJING (AP) — China announced on Saturday a modest easing of exchange rate controls that have been criticized by Washington and other trading partners, adding to a flurry of reform initiatives aimed at making its slowing economy more efficient.

The range in which the tightly controlled yuan is allowed to fluctuate against the dollar each day will double in size, though to a still relatively narrow 2%.

The move was widely expected after Premier Li Keqiang promised in an annual policy speech last week to give market forces a "decisive role" in allocating credit and other resources in the state-dominated economy.

The ruling Communist Party says it wants to inject more competition into the economy and nurture self-sustaining growth based on domestic consumption instead of trade and investment.

In a steady drumbeat of recent changes, authorities also have announced plans to create China's first privately financed banks and promised to ease the tax and regulatory burden on entrepreneurs.

Widening the trading band will help to "optimize the efficiency of capital allocation and market allocation of resources to accelerate economic development," the central bank said in a statement.

The U.S. Treasury Department had no immediate reaction to the announcement.

China's rapid economic growth tumbled to a two-decade low of 7.7% last year. This year's official growth target is slightly lower at 7.%, but Li said this week Beijing will be flexible about it as long as the economy generates enough new jobs.

Washington and other governments complain Beijing suppresses the value of the yuan, unfairly making Chinese exports cheaper abroad and hurting foreign competitors.

The relatively small size of Saturday's change appeared unlikely to mollify Beijing's foreign critics. Some U.S. lawmakers have demanded punitive tariffs on Chinese goods if Beijing failed to ease controls, but the White House has resisted imposing sanctions.

Beijing reported a $260 billion global trade surplus last year, a $30 billion increase over 2012 and among the largest ever recorded by any country.

Chinese leaders say they plan eventually to let the yuan float freely, but private sector analysts say that might be decades away.

Beijing is reluctant to allow big changes in the currency for fear of hurting exporters that employ millions of workers. But analysts say they might have gained confidence from recent strong trade performance.

Allowing the yuan to rise in value would increase the buying power of Chinese households, helping to achieve the ruling party's goal of nurturing more sustainable economic growth based on domestic consumption instead of trade and investment.

A stronger yuan also could help to suppress pressure for politically sensitive consumer prices to rise by making imports cheaper.

Reform advocates say that by suppressing the yuan's value, Beijing has been forcing even poor households to subsidize exporters.

In recent weeks, the central bank has been guiding the yuan's exchange lower against the dollar in what analysts said was an effort to discourage speculators who are moving money into China to profit from the currency's rise.

Reader's Opinion :

Suhartadi Ramadhani
16210717

4EA10

China has been known to manipulate its currency and it has been criticized by Washington and other trading partners because Beijing suppresses the value of the yuan and unfairly making Chinese exports cheaper abroad and hurting foreign competitors.  And the government thinks that “if currency manipulation is so great for exports, why don’t we do it?”

Allowing the yuan to rise in value world increase the buying power of Chinese households helping to achieve the ruling party's goal of nurturing more sustainable economic growth based on domestic consumption instead of trade and investment and a stronger yuan also could make imports cheaper. But doesn’t that mean all the things which have involved poor households are for ruling party’s sake? Is it fair for those poor households? In conclusion, they need to stop manipulating their currency. 

Source of article : 

http://www.usatoday.com/story/money/markets/2014/03/15/china-currency-yuan-dollar/6473135/

Peluang Usaha Keripik Tempe & Cara Membuat Keripik Tempe

Peluang Usaha Keripik Tempe & Cara Membuat Keripik Tempe

Bagi pembaca blog Ide Bisnis dan Ide Usaha. Kali ini blog sederhana ini akan menerangkan tentang peluang usaha keripik tempe serta cara membuat keripik tempe.

Keripik tempe mungkin sudah banyak sekali yang memproduksi. Serta jenis kerupuk ini juga sangat mudah ditemui di pasaran.

Selain dijadikan pelengkap ketika makan, tak jarang pula keripik dari tempe dijadikan sebagai cemilan. Sehingga permintaan untuk keripik ini sendiri tergolong tinggi. Untuk pembuatan nya sangatlah mudah serta bahan dasarnya yaitu tempe juga sangat mudah untuk diperoleh.

Walaupun baru-baru ini diganggu masalah harga kedelai yang tinggi. Tetapi sekarang harga kedelai juga sudah mulai stabil. Sehingga peluang bisnis keripik yang terbuat dari tempe ini tetap menjadi usaha yang patut diperhitungkan.

Untuk menjalankan usaha ini, sebenarnya sangatlah sederhana. Sebab untuk membuat makanan ini tergolong mudah dan dapat dijalankan sendiri. Ya, tinggal iris-iris tempe kecil-kecil kemudian diberi bumbu-bumbu dan digoreng, jadi deah keripik gorengnya.

Untuk cara membuat keripik tempe yang lebih lengkap, berikut resep-resepnya:

Bahan-bahan yang diperlukan:

• Tempe
• 300 gram tepung beras
• 150 gram tepung tapioka atau tepung kanji
• 1 butir telur ayam
• Air secukupnya
• Minyak goreng
• Bumbu yang sudah dihaluskan yaitu 10 gram ketumbar, 50 gram Bawang putih, 50 gram Kemiri, 1/4 sendok teh Kunyit bubuk ( jika suka ), 8 gram Garam serta 5 gram Daun jeruk.

Tahap-tahap pembuatan keripik tempe:

1. Untuk lapisan, campurkan tepung beras, tepung tapioka, telur ayam dan bumbu yang sudah dihaluskan hingga rata.
2. Tuang air sedikit demi sedikit sambil diaduk-aduk hingga rata, kemudian sisihkan.
3. Iris-iris tempe tipis-tipis kurang lebih dengan ketebalan kira-kira 0,5 mm – 1 mm.
4. Celupkan tempe yang sudah diiris-iris dalam adonan lapisan, angkat kemudian tiriskan.
5. Goreng pada minyak dengan api sedang hingga kering dan berwarna kuning kecokelatan.
6. Angkat, kemudian tiriskan dan dinginkan.
7. Keripik tempe siap untuk dipasarkan.

Nah, bagaimana mudah bukan cara membuatnya?

Oke, sepertinya hanya itu saja ulasan sedikit mengenai peluang usaha keripik tempe serta cara membuatnya. Mudah-mudahan bagi anda yang ingin berwirausaha, khususnya bagi yang memiliki modal yang tidak terlalu besar. Usaha ini dapat dijadikan referensi, sebab usaha ini dapat dijalankan dengan modal yang kecil. Kita tidak tau kapan kita akan mati, jadi jadikanlah hidup ini supaya lebih berarti.