tag:blogger.com,1999:blog-72291071362793258022024-03-05T22:37:12.073+07:00All About MeLove, Purpose, DreamRitahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.comBlogger122125tag:blogger.com,1999:blog-7229107136279325802.post-55067462765873998692015-04-19T13:55:00.000+07:002015-05-25T08:11:08.244+07:00Trip To Jogja<div style="text-align: justify;">
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<span style="font-family: Verdana,sans-serif;">Setelah sekian lama ingin sekali mengajak anak-anak, mama, dan papa liburan ke Jogja akhirnya
kesampaian juga. Beli tiket murah dari tahun kemarin membuat rencana
jalannya akhirnya terlaksana juga. Sebenernya agak deg-degkan juga untuk
tetep melanjutkan perjalanan ini, karena maskapai yang akan dipakai
akhir tahun kemarin mengalamai kecelakaan untuk route penerbangan
Surabaya-Singapore. Hampir membatalkan penerbangan tersebut, tapi
setelah berpikir kembali dan berpikir bahwa segala sesuatu termasuk ajal
sudah ada yang mengatur kita putuskan untuk tetap liburan sesuai
rencana. Perjalanan dari tanggal 15-18 April ini seru banget, oh ya
terkait tanggal perjalanan ga sengaja banget bertepatan dengan tanggal
kelahiran ku sendiri yaitu 18 April. Hitung-hitung mengkadoin diri
sendiri. Hihihi... :D</span></div>
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<span style="font-family: Verdana,sans-serif;">Ini dia trip ke Jogja selama 4 hari 3 malam</span></div>
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<span style="font-family: Verdana,sans-serif;">Day 1</span></div>
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<span style="font-family: Verdana,sans-serif;">Dari
rumah persis jam 05.45 dengan team rempongnya, bawa mobil sendiri ke
bandara, lumayan untuk menghemat pengeluaran damri karena kalo naek dari
lebih mahal daripada parkir inap di bandara secara kita berangkat
dengan 6 personil. Ini dia team rempongnya </span><br />
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<span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSe2E4Zo-SBGuyKIpk6q6o0T2G0UKPhDBOt7Egn-YSf0shvtPxdkwm8_F5eGjW9jii7P_P4lK87XuhfMQD9VwJn6MfU-sSv4dgaEQY7uvyzUAyYw6dlLJZ6xgHtNAM_2hnUWFpfDdkPSc/s1600/100_8062.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjSe2E4Zo-SBGuyKIpk6q6o0T2G0UKPhDBOt7Egn-YSf0shvtPxdkwm8_F5eGjW9jii7P_P4lK87XuhfMQD9VwJn6MfU-sSv4dgaEQY7uvyzUAyYw6dlLJZ6xgHtNAM_2hnUWFpfDdkPSc/s1600/100_8062.JPG" width="320" /></a></span></div>
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<span style="font-family: Verdana,sans-serif;">Sampai di Jogja tepat pukul 12.30, selama di pesawat sedikit tegang karena perjalanan yang harusnya ditempuh kurang dari satu jam harus dilalui lebih dari itu. Arus lalu lintas penerbangan yang crowdied membuat pilot harus muter-muter di atas lebih dari 10 menit dan cukup membuat pusing kepala, anak-anak mulai rewel dan bilang "kok ga turun-turun sih pesawat". Si mama juga mulai tegang, tapi setelah ditenangkan semuanya bisa anteng kembali.</span><br />
<span style="font-family: Verdana,sans-serif;">Selama di Jogja nginep di House 37, sebuah hostel yang lumayan bersih dan luas enak untuk dipake buat bermalam, tapi jangan dibayangkan seperti hotel besar yach, karena disini cuman dapat sarapan pagi berupa roti tawar dan teh manis hangat. Lumayan untuk mengisi perut yang kosong sebelum sarapan besar.</span><br />
<span style="font-family: Verdana,sans-serif;">Setelah berbenah dan menjamak sholat zuhur dan ashar, kami langsung tancep gas menuju tempat destinasi yang pertama. Oh ya selama di Jogja ini kami rental mobil untuk memudahkan akomodasi, untungnya bisa lepas kunci jadi bisa bebas tanpa khawatir ga enak sama sopir rentalnya.</span><br />
<span style="font-family: Verdana,sans-serif;">Tujuan pertamanya, yaitu benteng Vredeburg</span><br />
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<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBYE3XLfVGjt6Ie_sjtzU8f61NvIHsQAkajEJrsYBIKbodMZ6_8W5WpEXR5eTUlPXWOnkCVhK8fBrV0NRM9H-kjKlAbgxVwniGbv_h2oyDmuK6VNuoT6_ptNVzl1eg9wmsV9TiIZzpwyM/s1600/100_8082.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBYE3XLfVGjt6Ie_sjtzU8f61NvIHsQAkajEJrsYBIKbodMZ6_8W5WpEXR5eTUlPXWOnkCVhK8fBrV0NRM9H-kjKlAbgxVwniGbv_h2oyDmuK6VNuoT6_ptNVzl1eg9wmsV9TiIZzpwyM/s1600/100_8082.JPG" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Gaya Ayuk Syifa di depan pintu masuk benteng Vredeburg</span></td></tr>
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<span style="font-family: Verdana,sans-serif;">Sengaja pertama sekali mengajak anak-anak kesini untuk mengenalkan sejarah perjuangan kota Yogyakarta. Setelah dari sini, anak-anak ke Taman Pintar yang tempatnya bersebelahan dengan benteng, disini mengenalkan Syifa Husain ilmu pengetahuan dan teknologi, mereka bermain dan mendapatkan ilmu pengetahuan</span><br />
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<span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgtBU22zD0uvE8XE4j4cnmc9I1IC_gJZssh_m6TYraoqvBxE1pW808OSzpAMkywavB4amERRWt6oa96SA051Gh87GcWR1FD3t0xfLH6qi1L4YyNxme_CAkFRgXoqY5cUFjy37CpuT-7lw/s1600/100_8113.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgtBU22zD0uvE8XE4j4cnmc9I1IC_gJZssh_m6TYraoqvBxE1pW808OSzpAMkywavB4amERRWt6oa96SA051Gh87GcWR1FD3t0xfLH6qi1L4YyNxme_CAkFRgXoqY5cUFjy37CpuT-7lw/s1600/100_8113.JPG" width="320" /></a></span></div>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiC4BAQj8dokw76AYtOMkJicZs8Kce4OOoonETov5SeWtep49p1ul_8ReCM1OSXj9zbgiDt5A3KhebfEC7PqgbK38SFTt69ViH8fiw1N4sc8-09ywdSvcr9u1jb8ZVGDB3ul03kic_SX3g/s1600/100_8114.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiC4BAQj8dokw76AYtOMkJicZs8Kce4OOoonETov5SeWtep49p1ul_8ReCM1OSXj9zbgiDt5A3KhebfEC7PqgbK38SFTt69ViH8fiw1N4sc8-09ywdSvcr9u1jb8ZVGDB3ul03kic_SX3g/s1600/100_8114.JPG" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Si adek Husain takjub dengan besarnya aquarium di taman pintar</span></td></tr>
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<span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgE2V6NujOqvQWvNv8omvreTwzcjB2NPvZ1IOXLky8BbzuVRBq0pUbiVnX_8b0al2P3EEee-DQ8RDzqHK5QtV8VnrG88Pep7XqrGnDmPAiDWRGkBpMBhDuDsEoKgVIST3GAfEK4AS_oMuU/s1600/100_8112.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgE2V6NujOqvQWvNv8omvreTwzcjB2NPvZ1IOXLky8BbzuVRBq0pUbiVnX_8b0al2P3EEee-DQ8RDzqHK5QtV8VnrG88Pep7XqrGnDmPAiDWRGkBpMBhDuDsEoKgVIST3GAfEK4AS_oMuU/s1600/100_8112.JPG" width="320" /></a></span></div>
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<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5HOxPCugumHNDSP8GkuooKl5ARb_T2FNPj5MwXtxgu0xBstJOaYvSNrmbafWaf997lEuX2zsXuE9hy_GGoMUBl-TE98lQ7hW8Xf-HACfaaafv87rXDUjkU4Br_zzc41Ay2e5-scZIxPk/s1600/100_8123.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5HOxPCugumHNDSP8GkuooKl5ARb_T2FNPj5MwXtxgu0xBstJOaYvSNrmbafWaf997lEuX2zsXuE9hy_GGoMUBl-TE98lQ7hW8Xf-HACfaaafv87rXDUjkU4Br_zzc41Ay2e5-scZIxPk/s1600/100_8123.JPG" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Bermain sepeda statis yang bisa menggerakkan tengkorak</span></td></tr>
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<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXNcn9qhvF9oa2rTpO1gknzP8CkHOjOxi1AWKi1AzRfILj_QgQlYN_oLJinSyfahEXuzr0-NRiGE6DUFulzO8BqBtR_SpIEUWnCMNmdDmED0NI9LsVp6QpxKmuOzcUERl2vs-WMv6Jqw0/s1600/100_8131.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXNcn9qhvF9oa2rTpO1gknzP8CkHOjOxi1AWKi1AzRfILj_QgQlYN_oLJinSyfahEXuzr0-NRiGE6DUFulzO8BqBtR_SpIEUWnCMNmdDmED0NI9LsVp6QpxKmuOzcUERl2vs-WMv6Jqw0/s1600/100_8131.JPG" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Awalnya si adek takut duduk di paku ini, karena ngeri kesakitan tapi setelah dikasih tahu kalo pakunya ajaib ga sakit baru berani duduk :D</span></td></tr>
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<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhE3qeXBLBEfIYVMKYT-eQ4jwuoaJIcN40Zmf0MIMzLHK3eIDykXggKGb02RDCZ6QpW_sOeoenlu3dyx4UBEpdIlxBAkHa6nYdQFzUVxTfomLlRd-OWcRfTxKwxGBomfxnc3z66bKlpUfg/s1600/100_8139.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhE3qeXBLBEfIYVMKYT-eQ4jwuoaJIcN40Zmf0MIMzLHK3eIDykXggKGb02RDCZ6QpW_sOeoenlu3dyx4UBEpdIlxBAkHa6nYdQFzUVxTfomLlRd-OWcRfTxKwxGBomfxnc3z66bKlpUfg/s1600/100_8139.JPG" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Bermain game yang bisa digerakkan semaunya bersama-sama</span></td></tr>
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<span style="font-family: Verdana,sans-serif;"><br /></span><span style="font-family: Verdana,sans-serif;">Puas bermain di taman pintar, pulang ke hostel untuk mandi dan sholat magrib plus isya, tepat jam 7 malam, berangkat kembali ke taman lampion/taman pelangi</span><br />
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<span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUDzASzj3bsLReyE0ndw3d51YcNRT1iLxTaktmZW_mgcQbYkZLAMe3k4LV0SuDH6gqhZoMRPTN9jmdMurd77Is8AHuIBMxgmOtahQUsc19raklb8G92aG4R5wpLW6ufgFvERGVYB8pApg/s1600/IMG_20150415_201006.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUDzASzj3bsLReyE0ndw3d51YcNRT1iLxTaktmZW_mgcQbYkZLAMe3k4LV0SuDH6gqhZoMRPTN9jmdMurd77Is8AHuIBMxgmOtahQUsc19raklb8G92aG4R5wpLW6ufgFvERGVYB8pApg/s1600/IMG_20150415_201006.jpg" width="180" /></a></span></div>
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<span style="font-family: Verdana,sans-serif;">Setelah main di taman ini, pulang kembali ke hostel untuk istirahat karena perjalanan besoknya lebih seru dan jauh lagi</span><br />
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<span style="font-family: Verdana,sans-serif;">Day 2</span><br />
<span style="font-family: Verdana,sans-serif;">Hari kedua menuju gunung kidul, mau maen di pantai-pantai nya yang cantikkk, Perjalanan kesana kurang lebih 1,5 jam berbekal GPS sampai tujuan dengan selamat :D</span><br />
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<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGCVgyJEJocZ-7239QcK6yrROH1VAP_cUMlqgMScjV93bdw5xNLPZ6RTUpFiFa0wmQOLfEDg-Q2V0o4ZvGjNJS0Z7iBrbT5t9FpR8gRUjylnIdQiZhNK5NuwGpnuc-N8rMP9Nns9o4Wds/s1600/100_8172.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGCVgyJEJocZ-7239QcK6yrROH1VAP_cUMlqgMScjV93bdw5xNLPZ6RTUpFiFa0wmQOLfEDg-Q2V0o4ZvGjNJS0Z7iBrbT5t9FpR8gRUjylnIdQiZhNK5NuwGpnuc-N8rMP9Nns9o4Wds/s1600/100_8172.JPG" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Pantai Sepanjang</span></td></tr>
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<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBBbXjYTvbjbMMwM7DFeHB1QgNx9ydSHgYS0gWDMBPspidWfgqjYCcgp3VRhetjqp0HDS1kJvMN6AXkVvZQ71pz5tK5GMbHtInk0lax4J2vSAyKEZToLQCM2iZj0KHurRshChX1OuH3t8/s1600/100_8168.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBBbXjYTvbjbMMwM7DFeHB1QgNx9ydSHgYS0gWDMBPspidWfgqjYCcgp3VRhetjqp0HDS1kJvMN6AXkVvZQ71pz5tK5GMbHtInk0lax4J2vSAyKEZToLQCM2iZj0KHurRshChX1OuH3t8/s1600/100_8168.JPG" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">bersama nenek di Pantai Sepanjang</span></td></tr>
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<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUfoLskKmwXukNU7xRdSb6YNVu1nK7GoEixoxyYi2NtElTzgniy1zKLuZmJgGzzCts5mgwVcC33UsI4y9cwq8j5sIT6xtfZMqQJg-01GFx-w9LUivFY1HDt-6CHP7z9LiAhdEN7iYhexQ/s1600/IMG_20150416_094236.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjUfoLskKmwXukNU7xRdSb6YNVu1nK7GoEixoxyYi2NtElTzgniy1zKLuZmJgGzzCts5mgwVcC33UsI4y9cwq8j5sIT6xtfZMqQJg-01GFx-w9LUivFY1HDt-6CHP7z9LiAhdEN7iYhexQ/s1600/IMG_20150416_094236.jpg" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Mejeng di Pantai Sepanjang</span></td></tr>
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<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhK7wRWfRWHb9xyAbmIfJuQCNbRJ6QM5aYUjCW6JSklWwhFvHvOvGU3IdHPdQzfxqjY4S1cZcwdHPqxZw90l5oW4Y67e48poSLoeBvFF6eC39tiGJWVbSOOIqBhHrEbMLdQniOwtT7wRbk/s1600/IMG_20150416_094757.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhK7wRWfRWHb9xyAbmIfJuQCNbRJ6QM5aYUjCW6JSklWwhFvHvOvGU3IdHPdQzfxqjY4S1cZcwdHPqxZw90l5oW4Y67e48poSLoeBvFF6eC39tiGJWVbSOOIqBhHrEbMLdQniOwtT7wRbk/s1600/IMG_20150416_094757.jpg" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Masih di Pantai Sepanjang</span></td></tr>
</tbody></table>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggVVTR_NPo7N1s7hwMePmKUnvIWygTWwzxFeO07xo8eaJXTXlRAdQ2E6c3NdGeiIO77IurxwDlwa_uQsrudESrSIqIAobb1SHkMPGpUhRt4vwFntTzaG-CJDFFhdImCKWeu2HPxOsf4nk/s1600/IMG_20150416_101409.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEggVVTR_NPo7N1s7hwMePmKUnvIWygTWwzxFeO07xo8eaJXTXlRAdQ2E6c3NdGeiIO77IurxwDlwa_uQsrudESrSIqIAobb1SHkMPGpUhRt4vwFntTzaG-CJDFFhdImCKWeu2HPxOsf4nk/s1600/IMG_20150416_101409.jpg" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Setelah Pantai Sepanjang lanjut ke Pantai Krakal</span></td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHFnhFz3_CNuskzeJnGtxK5QIRx5tZ6FBGouX_Hh6PTZHjZgygvpuyXb8Kbt8yCLUcEFhpwqn7l11rBCbKeT_XKVF-ZNoToApncrSXRv-Br738sz6tGtE_XSkZtsdtZwvN3eXSa2l3zKg/s1600/100_8179.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHFnhFz3_CNuskzeJnGtxK5QIRx5tZ6FBGouX_Hh6PTZHjZgygvpuyXb8Kbt8yCLUcEFhpwqn7l11rBCbKeT_XKVF-ZNoToApncrSXRv-Br738sz6tGtE_XSkZtsdtZwvN3eXSa2l3zKg/s1600/100_8179.JPG" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Bermain bola di Pantai Krakal</span></td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7e3F8PyFxR8hOawaP2hbt2qlFdOjT_EPLxjRR8GCIAuvCDJXidgPIIGvcsLXnoAcSrtw3IYoV6xlr_npWr4O-gSvcVByTw_e6O2njRLTduEXNL4rZlDgD_UEWYY53iuGTS1Fy4zoARJQ/s1600/100_8182.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh7e3F8PyFxR8hOawaP2hbt2qlFdOjT_EPLxjRR8GCIAuvCDJXidgPIIGvcsLXnoAcSrtw3IYoV6xlr_npWr4O-gSvcVByTw_e6O2njRLTduEXNL4rZlDgD_UEWYY53iuGTS1Fy4zoARJQ/s1600/100_8182.JPG" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Ayuk dan Nenek sibuk mencari kerang</span></td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguvNQpZyqvoI47DuXbBpfVakOaOfgzQdX4YI0ySmF_wyYuqKaiZ-MVQS3B6M1ax5EPa8SQmnixy0WacOUHpCbnoyulRt0xVeKWjp1UgVUtob3tjlhS9TVaHmj_MhoceMWB0vsIQErfzYo/s1600/100_8184.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguvNQpZyqvoI47DuXbBpfVakOaOfgzQdX4YI0ySmF_wyYuqKaiZ-MVQS3B6M1ax5EPa8SQmnixy0WacOUHpCbnoyulRt0xVeKWjp1UgVUtob3tjlhS9TVaHmj_MhoceMWB0vsIQErfzYo/s1600/100_8184.JPG" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Tidak puas dengan hanya main bola dan mencari kerang, akhirnya nyemplung juga mereka ke air di tengah matahari yang sedang gagah perkara menunjukkan sinarnya</span></td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVVxtFV3kDzvowTTL8IcFigFVUFYa8U8qZBKYp38G21PPLycWy6-VLLHxp5KrFLgo_LggFx0l1vWUScE1du_-sOPNw7vir3SotQYtM6lkV27seviGKvYxp6ggGTWeqNQHwxj-rDS2M_QA/s1600/IMG_20150416_103725.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVVxtFV3kDzvowTTL8IcFigFVUFYa8U8qZBKYp38G21PPLycWy6-VLLHxp5KrFLgo_LggFx0l1vWUScE1du_-sOPNw7vir3SotQYtM6lkV27seviGKvYxp6ggGTWeqNQHwxj-rDS2M_QA/s1600/IMG_20150416_103725.jpg" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Masih di Pantai Krakal</span></td></tr>
</tbody></table>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmO-KBHhcUj6p__2UjcKTpb5XlvvDdmMyl0Wyix4k_o5yvigc4pswy9LNA5aWk1-JsNX3Qv9fkH7kXYd_OX_pFBQAGKPQcmWrk2fG39wIMrSXxuDEQfk_ECzvdlPILfBMkkIBDINKVWbc/s1600/IMG_20150416_101941.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhmO-KBHhcUj6p__2UjcKTpb5XlvvDdmMyl0Wyix4k_o5yvigc4pswy9LNA5aWk1-JsNX3Qv9fkH7kXYd_OX_pFBQAGKPQcmWrk2fG39wIMrSXxuDEQfk_ECzvdlPILfBMkkIBDINKVWbc/s1600/IMG_20150416_101941.jpg" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">bergaya sama nenek</span></td></tr>
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<span style="font-family: Verdana,sans-serif;">Setelah bersenang-senang bermain dan mencari kerang di Pantai Sepanjang dan Krakal, kami melanjutkan ke pantai yang terkenal di Gunung Kidul yaitu Pantai Indrayanti, tapi sebelum kesana si abi beli makanan ekstrem khas Gunung Kidul yaitu Walang Goreng, penampakannya memang serem apalagi kalo yang ga suka makan yang seperti ini, pasti geli sendiri. Hal itu terjadi pada saya yang berani cuman foto aja, tapi sama anak-anak akhirnya disuruh makan juga. Awalnya ga mau sama sekali, terus menerus dipaksa sama anak-anak dan mereka bilang "ayo mi dimakan jangan cuman difoto, enak kok". Mereka bilang seperti itu karena mereka sudah berani mencobanya lebih dulu, dan karena dipaksa inilah akhirnya saya memberanikan diri juga dan ternyata rasanya..... Yuuuummmmyyy</span><br />
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<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLrqnp5W6Rpzh__voeMcI6-oO4rH4oivmKVtsmCbfwYxMR_j2hrqXK97sJKz3JUzVx2yc1Bw1HaVGMoqNQLZHa-qHqaiqzN-Wbsd3h0BYWT7KYlWlqzZxMU0ObWsVwZo94OH1374sHEJE/s1600/IMG_20150416_121630.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLrqnp5W6Rpzh__voeMcI6-oO4rH4oivmKVtsmCbfwYxMR_j2hrqXK97sJKz3JUzVx2yc1Bw1HaVGMoqNQLZHa-qHqaiqzN-Wbsd3h0BYWT7KYlWlqzZxMU0ObWsVwZo94OH1374sHEJE/s1600/IMG_20150416_121630.jpg" width="180" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Walang Goreng, makanan ekstrem khas dari Gunung Kidul</span></td></tr>
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<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgO7d4WX-Bvk_5WY0ojz6sFNifR9sB0lC4NW1WAo-_QuQp8CdjwUeu7Rha8z24QFJEB2smPcryj1hGqb3nhbpTwvfkOTXUpBSLhKvVIccFYQSCHhlBOfz4mq0L5VBj7OI4GWRU4aXIUnLI/s1600/IMG_20150416_122024.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="179" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgO7d4WX-Bvk_5WY0ojz6sFNifR9sB0lC4NW1WAo-_QuQp8CdjwUeu7Rha8z24QFJEB2smPcryj1hGqb3nhbpTwvfkOTXUpBSLhKvVIccFYQSCHhlBOfz4mq0L5VBj7OI4GWRU4aXIUnLI/s1600/IMG_20150416_122024.jpg" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Ekspresi saya ketika dipaksa makan walang goreng :D</span></td></tr>
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<span style="font-family: Verdana,sans-serif;">Setelah ketegangan makan walang goreng, akhirnya kami sampai juga di Pantai Indrayanti, ini dia pesona pantai yang terkenal ini....</span><br />
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<span style="font-family: Verdana,sans-serif;">Sayangnya ketika sampai di Pantai Indrayanti ini, si abi tepar pusing akibat kepanasan setelah sebelumnya maen di Pantai Krakal jadinya dia ga bisa mejeng foto-foto disini :D.</span><br />
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<span style="font-family: Verdana,sans-serif;">Sebenernya di sepanjang daerah gunung kidul ini ada banyak sekali pantai, kata petugas di pintu masuknya ada sekita 12 pantai yang indah, tapi kami hanya sanggup mendatangi 3 pantai, karena disamping mengejar waktu untuk kembali ke Jogja menuju destinasi berikutnya ke Prambanan, anak-anak juga sudah cukup puas untuk bermain di pantai. Next time kita ke pantai lainnya ya nak...</span><br />
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<span style="font-family: Verdana,sans-serif;">Selanjutnya ke Prambanan dengan waktu yang sudah mepet sekali, sampai disana sudah pukul 16.30, untungnya loket masuk masih dibuka. Ini lah candi Hindu terbesar di Indonesia</span><br />
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<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgFrzKLOwB4s4ehytzEC07nIdkC6frz6OH0CZF8NESqkEskyT94LKNudD08xvF6eb2enVZBH4lvwAAZPDiM6FO7qHmYgsowCTpC6nB4fjRs9w57e3KjxgWecK0UVNF2CXRmKT_Ref2zJKo/s1600/100_8281.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgFrzKLOwB4s4ehytzEC07nIdkC6frz6OH0CZF8NESqkEskyT94LKNudD08xvF6eb2enVZBH4lvwAAZPDiM6FO7qHmYgsowCTpC6nB4fjRs9w57e3KjxgWecK0UVNF2CXRmKT_Ref2zJKo/s1600/100_8281.JPG" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Si kakek iseng minta foto bareng bule dari Franch :D</span></td></tr>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: Verdana,sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyZ7pT8C6ovXa51NKRpHvbwfuznjUof_BU3If_U8MtUfmYA5SUDp0LAr-5Ooc0k2plMgvaePTMrPigiEdJ8JIrAUkpsWdkgaoezIZbpnKat03UU0zf5nCDC_jDhAYq2ivyFqNyDKXBQ-Y/s1600/100_8301.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyZ7pT8C6ovXa51NKRpHvbwfuznjUof_BU3If_U8MtUfmYA5SUDp0LAr-5Ooc0k2plMgvaePTMrPigiEdJ8JIrAUkpsWdkgaoezIZbpnKat03UU0zf5nCDC_jDhAYq2ivyFqNyDKXBQ-Y/s1600/100_8301.JPG" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Si ayuk yang penuh gaya</span></td></tr>
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<span style="font-family: Verdana,sans-serif;">Puas jalan-jalan ke pantai dan candi, akhirnya si kaki mulai teriak-teriak juga minta istirahat, ba'da magrib mengakhiri perjalanan balik ke hostel untuk istirahat dan bersih-bersih, supaya besok bisa melanjutkan perjalanan kembali.</span><br />
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<span style="font-family: Verdana,sans-serif;">Day 3</span><br />
<span style="font-family: Verdana,sans-serif;">Hari ketiga nya kami ke keraton Yogyakarta, melihat rumah Sri Sultan Hamengkubuwono IX. Keraton Jogja ini merupakan salah satu icon kota Jogja jadi sayang untuk dilewatkan.</span><br />
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<span style="font-family: Verdana,sans-serif;">Puas melihat isi kraton kami kembali melanjutkan perjalanan ke Museum Kereta</span></div>
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<span style="font-family: Verdana,sans-serif;">Perjalanan yang terakhir yaitu ke Candi Borobudur, awalnya takut si kakek nenek ga sanggup untuk naek ke atas tapi ternayta mereka berhasil mencapai puncaknya. Yeeeaaayyyy....</span></div>
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<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: Verdana,sans-serif;">Tiga Generasi, Nenek-Ummi-Ayuk</span></td></tr>
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<span style="font-family: Verdana,sans-serif;">Setelah semua perjalanan yang dilalui, akhirnya balik ke hostel. Jalan-jalan kali ini membuat kesan tersendiri bagi saya tentunya, disamping bisa membawa anak-anak jalan-jalan bisa membawa kedua ortu juga. Semoga suatu saat nanti bisa membawa keluarga lagi untuk jalan-jalan ke tempat berikutnya. Aaamiin...</span><br />
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<span style="font-family: Verdana,sans-serif;">See u next trip....</span></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-9511319340173305392015-04-02T22:29:00.001+07:002015-04-10T09:36:59.183+07:00Hanya sekedar ingin berbagi cerita<div style="text-align: justify;">
<span style="font-family: Trebuchet MS, sans-serif;">Hari ini ada banyak hikmah yang bisa didapat setelah meet up bareng sahabat tersayang. Ada kisah yang bisa dijadikan pelajaran antara hubungan dua orang lawan jenis, yaitu :</span></div>
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<span style="font-family: Trebuchet MS, sans-serif;">JANGAN pernah curhat kepada lawan jenis terhadap permasalahan rumah tangga jika tidak ingin syaitan menggoda. Mungkin awalnya hanya sekedar sharing belaka tapi lama kelamaan bisa menjadi bumerang tersendiri.</span></div>
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<span style="font-family: Trebuchet MS, sans-serif;">Ketika terjadi permasalahan, cari lah sahabat yang sejenis dan bisa dipercaya, setelah Alloh tentu nya untuk menceritakan segala sesuatu yang terjadi. Curhat kepada lawan jenis hanya akan menimbulkan masalah baru bahkan yang lebih parah "perselingkuhan" (mungkin). Karena hati wanita memang begitu rapuh dan gampang tersentuh oleh perhatian. Hal ini terkadang yang tidak diketahui oleh para laki-laki. Wanita itu hanya butuh tempat berbagi keluh kesahnya, ketika dia tidak mendapatkan dari pasangannya sendiri malah dari orang lain, disini syaitan mulai menggoda. Sebenarnya begitu juga seorang laki-laki, mereka terkadang membutuhkan perhatian yang ekstra dari pasangannya sendiri. Akan tetapi, ketika kedua pasangan yang punya kesibukan masing-masing, kedua hal ini akan sangat sulit dilakukan. Wanita yang butuh seseorang untuk bicara dan mendengarkan. Serta laki-laki yang butuh perhatian, jika tidak mengerti kondisi satu sama lain, maka yang akan terjadi selanjutnya adalah mencari sosok orang lain yang bisa memberikan itu semua. Hal ini lah yang terkadang menjadi alasan pembenaran untuk terjadi perselingkuhan. Kesenangan sesaat yang akan menghancurkan kebahagian keluarga untuk selamanya.</span></div>
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<span style="font-family: Trebuchet MS, sans-serif;">Oh ya ada satu tips lagi ketika tidak bisa menemukan teman untuk bercerita, yaitu "Menulis". Tulislah apa yang ada di hati jangan disimpan sendiri, karena ketika ada permasalahan yang tidak bisa dicari jalan keluarnya dan tidak ada teman untuk bisa berbagi cerita akan membuat stress diri sendiri. Bagaikan ombak yang tak tersalurkan ketika sudah tinggi akan menjadi air bah yang siap menenggelamkan apapun. Begitu juga masalah, dengan menulis akan mampu menuangkan masalah tersebut sehingga bisa mengeluarkan emosi energi negatif yang ada secara positif. Idealnya setiap permasalahan yang terjadi di dalam rumah tangga dibicarakan dengan pasangan masing-masing, akan tetapi jika mempunyai pasangan yang super duper cuek maka menulislah jangan cari orang lain. Karena sesungguhnya syaitan senang sekali untuk menggoda manusia dan bahagia jika ada manusia yang tergoda olehnya.</span></div>
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<span style="font-family: Trebuchet MS, sans-serif;">Semoga bisa menghindari hal tersebut, dan semoga Alloh selalu melindungi pernikahan ini menjadikan keluarga yang samawara. Aamiin...</span></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-34513976721042616522015-03-28T03:37:00.002+07:002015-04-10T09:38:10.481+07:00Oh.... Rekan Kerja <div style="text-align: justify;">
<span style="font-family: Trebuchet MS, sans-serif;">Menutup akhir pekan dengan perasaan yang menguras emosi jiwa, nangis, marah, kesel, sedih, jadi satu. Semua masih karena hal yang sama yaitu rekan kerja. Memang tidak semuanya tapi karena beberapa orang ini lah yang terlalu sering bikin emosi kalo lagi menghadapinya. Keliatan banget mancing emosinya, Sudah terlalu sering. Mungkin tanpa mereka sadari tapi kan bukan berarti hal itu jadi bahan keisengan yang bisa terus dilakukan. Dan entah mengapa terasa banget kalo skrng ini ga punya temen yang enak buat diajak ngomong apa aja kalo disana. Orang-orangnya terlalu individualisme dan manfaatin banget. Kalo lagi butuh aja nanya-nanya minta dibantu in. Coba kalo lagi ga butuh, dan kitanya yang butuh bantuan buat nemenin doang ga ada satu pun yang mau. Banyak banget alasannya. Oke baik lah, mulai senin nanti tanggal 29 Maret 2015 aku juga akan bersikap tidak perduli sama kalian. Ku akan jadi orang yang individualisme, tidak akan kalian temui lagi orang yang siap membantu kapan pun dibutuhkan. Akan banyak perubahan yang aku buat untuk diri sendiri di lingkungan kerja ini.</span></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-6992629848967778832015-03-28T03:15:00.001+07:002015-08-26T22:22:14.326+07:00Ketidaknyamanan....<div style="text-align: justify;">
<span style="font-family: Trebuchet MS, sans-serif;">Entahlah.... Kenapa akhir-akhir ini sensitif bangeettt... Rasanya ingin menghilang dari lingkungan yang tidak nyaman ini terutama dari sebagian rekan kerja sekarang ini. Merindukan rekan kerja ditempat yang dulu, yang penuh kekeluargaan tulus tanpa kepura-puraan. Ditempat sekarang terlalu menguras emosi jiwa. Mungkin lama-lama bisa stres disini kalo tidak dikelola dengan baik perasaan ini. Mari lakukan perubahan untuk membuat nyaman diri sendiri agar tidak jadi stres dan gila beneran disini.</span></div>
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<span style="font-family: Trebuchet MS, sans-serif;">1. Kurangi kontak dengan mereka, bicara seperlunya</span></div>
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<span style="font-family: Trebuchet MS, sans-serif;">2. Duduk manis di meja!!!</span></div>
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<span style="font-family: Trebuchet MS, sans-serif;">3. BELAJAR. Daripada menhadapi orang- orang yang bisa bikin stress diri sendiri mendingan belajar utk persiapan UPKP</span></div>
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<span style="font-family: Trebuchet MS, sans-serif;">4. Segera ikut diklat biar nambah wawasan baru</span></div>
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<span style="font-family: Trebuchet MS, sans-serif;">5. Yakin Alloh selalu memberikan solusi yang terbaik bagi setiap permasalahan gamba Nya</span></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-37747743373790758802015-03-19T11:21:00.002+07:002015-04-10T09:38:40.503+07:00Ketika kesedihan itu datang menyapa....<div style="text-align: justify;">
<span style="font-family: Courier New, Courier, monospace;">Pelangi akan datang seiring dengan perginya hujan yang turun ke bumi ini, begitu juga kebahagiaan akan datang seiring perginya kesedihan yang menyapa...</span></div>
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<span style="font-family: 'Courier New', Courier, monospace;">Akhir-akhir ini sering merasa sedih. Sebenernya sangat menyadari apa yang menyebabkan kesedihan itu tapi rasanya kok sulit untuk menghilangkannya. Ini lebih dikarenakan konflik yang terjadi dengan kedua ortu terutama papa. Watak yang keras dari papa lah yang terkadang memunculkan kesedihan itu. Beliau terlalu ikut campur dengan urusan Rumah tangga ku, terutama dalam pengasuhan anak-anak. Dulu.... Waktu memutuskan menikah di usia dini sangat menyadari konsekuensinya harus jauh dari ortu akan tetapi nyatanya beliau tidak mau melepaskan anak perempuan satu-satunya ini untuk benar-benar menjalani kehidupan berumah tangga. Tampa meminta persetujuan dari aku dan Suami papa memaksa mama untuk ikut tinggal bersama kami di Jakarta dengan alasan nanti anak kami dikasih obat tidur lah kalo sama pembantu. </span></div>
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<span style="font-family: 'Courier New', Courier, monospace;">Saat itu, ku pikir ini penyelesaian yang terbaik untuk pengasuhan anak-anak mengingat aku juga bekerja tapi ternyata setelah menjalaninya hingga saat ini (hampir 11 tahun) ku rasa ini bukan ide yang baik. Kami tidak bisa mendidik anak-anak kami sesuai dengan pola pikir kami. Terlalu banyak hal yang menjadi konflik terutama ketika anak sakit. Kepanikan kakek neneknya terutama sang nenek ketika cucunya sakit sering menjadi keributan dengan papa. Ketika keributan terjadi sering sekali papa marah-marah tampa alasan yang bener dan ketika ku coba membantahnya dengan alasan yang benar, beliau tidak akan menerimanya dan akan semakin marah. Sedih rasanya ketika beliau seperti itu dan lebih sering menyalahkan orang tampa pernah mau mengkoreksi diri sendiri. Hanya bisa berdoa semoga Alloh memberikannya kesadaran atas semua kekhilafannya karen sesungguhnya beliau terlalu sering menyakiti perasaan anak-anaknya.</span></div>
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Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-16361164980205291192015-02-27T13:25:00.002+07:002015-04-10T09:38:49.103+07:00Muhasabah<div style="text-align: justify;">
<span style="font-family: Trebuchet MS, sans-serif;">Kamu mungkin tidak bisa memaksakan orang lain untuk menyukai mu, meskipun orang lain tidak menyukai mu sebaiknya berusaha untuk tidak menyakiti orang lain. Ini menjadi pelajaran bagi diri ku sendiri. Belajar untuk menjadi pribadi yang baik, tidak menyebalkan bagi orang lain. Mungkin susah, tapi in sya alloh perlahan bisa berubah. Yuk ah, berubah menjadi lebih baik</span></div>
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<span style="font-family: Trebuchet MS, sans-serif;"><br /></span>
</div>
<ul>
<li style="text-align: justify;"><span style="font-family: 'Trebuchet MS', sans-serif;">Kurangi bicara yang ga penting</span></li>
<li style="text-align: justify;"><span style="font-family: 'Trebuchet MS', sans-serif;">Kurangi cepet emosi</span></li>
<li style="text-align: justify;"><span style="font-family: 'Trebuchet MS', sans-serif;">Lebih banyak tersenyum</span></li>
<li style="text-align: justify;"><span style="font-family: 'Trebuchet MS', sans-serif;">Berusaha jadi pribadi yang menyenangkan banyak orang</span></li>
<li style="text-align: justify;"><span style="font-family: Trebuchet MS, sans-serif;">Jangan meminta orang lain untuk memahami mu tapi coba lah untuk bisa memahami orang lain</span></li>
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Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-4044123901172873352014-10-27T09:52:00.003+07:002015-04-10T09:38:57.497+07:00Iseeenggg<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">Habis ngutak-ngatik blog, ngerubah tampilan biar lebih cantik dan enak buat dibaca biar semangat buat nulisnya selalu ada.</span></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">In sya Alloh blog ini akan berubah fungsi dari awal bikinnya merupakan ajang untuk tugas softskill kuliah sekarang buat jadi tempat nulis coret-coret semua hal yang ada dipikiran. Pengen banget bisa nulis minimal 1 buku untuk seumur hidup. I hope so. Aaamiin...</span></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-16444497207502147712014-07-07T10:43:00.003+07:002014-07-07T15:18:51.184+07:00Causative Have VS Present Perpect<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman";">Causative Have<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman";">Fungsinya mengingankan
seseorang mengerjakan sesuatu untuk subjek.<o:p></o:p></span></div>
<div style="background: white; line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<em><span style="font-family: "Comic Sans MS";">Have</span></em><span class="apple-converted-space"><span style="font-family: "Comic Sans MS";"> </span></span><span style="font-family: "Comic Sans MS";">merupakan causative verb yang umum.
Ketimbang melakukan sesuatu dengan diri kita sendiri, kita “menyuruh” orang
yang lain untuk melakukannya. Bentuknya sebagai berikut:<o:p></o:p></span><span id="more-1490"></span></div>
<div style="background: white; line-height: 150%; margin: 0cm 0cm 0.0001pt; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Kata kerja “to have”
+<span class="apple-converted-space"> </span>objek<span class="apple-converted-space"> </span>+<span class="apple-converted-space"> </span>past
participle (verb 3). Contoh:<o:p></o:p></span></div>
<div style="background: white; line-height: 150%; margin: 0cm 0cm 0.0001pt 36pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "Comic Sans MS";">I<span class="apple-converted-space"> </span>had<span class="apple-converted-space"> </span>my
jacket<span class="apple-converted-space"> </span>cleaned<span class="apple-converted-space"> </span>yesterday.<o:p></o:p></span></div>
<div style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "Comic Sans MS";">Did
you have<span class="apple-converted-space"> </span>your computer<span class="apple-converted-space"> </span>fixed?<o:p></o:p></span></div>
<div style="background: white; line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Terkadang kita
menggunakan<span class="apple-converted-space"> </span><em>have</em><span class="apple-converted-space"> </span>sebagai causative verb ketika kita
ingin melakukan tindakan oleh diri kita sendiri. Contoh:<o:p></o:p></span></div>
<div style="background: white; line-height: 150%; margin: 0cm 0cm 0.0001pt 36pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "Comic Sans MS";">When
will the report be ready? I’ll do it by tomorrow morning.<o:p></o:p></span></div>
<div style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "Comic Sans MS";">When will
the report be ready? I’ll<span class="apple-converted-space"> </span><strong>have</strong><span class="apple-converted-space"><b> </b></span>it done by tomorrow morning.<o:p></o:p></span></div>
<div style="background: white; line-height: 150%; margin: 0cm 0cm 0.0001pt; text-align: justify;">
<span style="font-family: "Comic Sans MS";">Dengan menggunakan
causative, kalimat ke-dua diatas mengalihkan perhatian dari pelaku tindakan,
dan lebih memberikan perhatian kepada tindakan yang sedang dilakukan. Ini
kedengaran sopan dan profesional.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 365.25pt; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman";">Active
:<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 365.25pt; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman";">S
+ (have-had) + agent + action verb (<b>bare
</b>infinitive) + object<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 365.25pt; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman";">Passive:<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 365.25pt; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman";">S
+ (have-had) + object + action verb (V3)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: 'Comic Sans MS'; font-size: 12pt; line-height: 150%;">Example:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: 'Comic Sans MS'; font-size: 12pt; line-height: 150%;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Comic Sans MS'; font-size: 12pt; line-height: 150%;">I will have Rudy paint my
room tomorrow.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: 'Comic Sans MS'; font-size: 12pt; line-height: 150%;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Comic Sans MS'; font-size: 12pt; line-height: 150%;">Susi has had her sister buy
a tin of candy.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: 'Comic Sans MS'; font-size: 12pt; line-height: 150%;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Comic Sans MS'; font-size: 12pt; line-height: 150%;">Did you have the supplier
send me more samples?<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";">4.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: 'Comic Sans MS'; font-size: 12pt; line-height: 150%;">Does the teacher have the
student read the book?</span><span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman";">Source :<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman";"><a href="http://cicihmintarsih.blogspot.com/2012/10/causative-have-and-get.html">http://cicihmintarsih.blogspot.com/2012/10/causative-have-and-get.html</a><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman";"><a href="http://www.wordsmile.com/pengertian-rumus-dan-contoh-kalimat-causative-verbs-let-make-have-get">http://www.wordsmile.com/pengertian-rumus-dan-contoh-kalimat-causative-verbs-let-make-have-get</a><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman";"><a href="http://englishonline.blogdetik.com/2009/08/29/causative-verb-get-have-let-make/">http://englishonline.blogdetik.com/2009/08/29/causative-verb-get-have-let-make/</a><o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-25698494972611853272014-05-28T15:31:00.001+07:002014-05-30T14:43:53.256+07:00Tugas 3 Bahasa Inggris Bisnis 2<div class="MsoNormal" style="margin-bottom: 6pt; text-align: justify;">
<div class="MsoNormal" style="margin-bottom: 6pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Pengertian Adverb<o:p></o:p></span></b></div>
<div class="MsoNormal" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adverb
(kata keterangan/tambahan) adalah kata yang dipakai untuk menerangkan bagian
dari tata bahasa yang mana saja kecuali kata benda dan kata ganti.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adverb
menerangkan kata kerja<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: She speaks English fluently<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adverb
menerangkan kata sifat<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: It’s now too hot to play tennis<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">c.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adverb
menerangkan kata adverb lainnya<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: she sings very well<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">d.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adverd
menerangkan kata depan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: The cat was sitting almost outside the door<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">e.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adverb
menerangkan kata sambung<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: I want to know precisely how the accident happened<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin: 0cm 0cm 6pt 18pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adverb
dapat menerangkan bukan saja kata-kata yang terpisah tetapi juga sebuah
kalilmat asertif (yaitu kalimat yang hanya menegaskan atau menyangkal sesuatu).
Dalam hal ini adverb harus ditempatkan di posisi awal.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: Evidently your success depends chiefly on your self.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adverb
dibagi dalam tiga golongan :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Simple
adverb<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Time
(Waktu)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adverb of time (kata keterangan waktu)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : I id this before, and he has
done it since.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Place
adverbs of place (kata keterangan tempat)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : You may sit here<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">c.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Number
(bilangan)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adverb of number (kata keterangan
bilangan)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : I did it twice<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">d.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Manner,
quality, or state<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Kata keterangan cara, sifat, atau
keadaan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : she did her work quickly<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">e.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Quantity,
extent or degree (banyaknya, taraf atau tingkat)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : He is almost a heavyeater<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">f.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Affirming
or denying (menegaskan atau menyangkal)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : He did not go after all.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Interrogative
adverb<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Time
(waktu)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Interrogative adverb of time (kata
keterangan penanya waktu)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : When did you come?<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Place
(tempat)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : where do you live?<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">c.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Number
(bilangan)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : How often do you eat?<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">d.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Manner,
Quality, or state (cara, sifat, atau kebendaan)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : how did you do that?<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">e.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Quantity
or degree (banyaknya atau tingkat)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : how far was that news true?<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">f.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Cause
or reason (sebab atau alas an)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : why did he leave?<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 6pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">3.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Relative
adverb<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Antecendent
dinyatakan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : this is the house where we live<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Antecendent
dimengerti<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh : let me know when<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Pengertian
Adjectives<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adjective
(kata sifat) adalah kata yang digunakan untuk member sifat pada kata benda.
Tiap kata sifat mempunyai kekuatan yang bersifat membatasi, dan kata sifat itu
boleh diberikan definisi sebagai kata yang digunakan untuk membatasi pemakaian
kata benda. Ada enam jenis kata sifat :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Proper
adjective<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Kata
sifat yang melukiskan suatu benda dengan suatu kata benda nama diri tertentu.
Proper adjective harus dimulai dengan huruf besar.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: An Indonesia pilgrim.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Descriptive
Adjective<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Kata
sifat yang melukiskan sifat dan keadaan seseorang, hewan atau benda<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: a brave girl<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">3.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Quantitative
Adjective<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Kata
sifat yang menunjukkan berapa banyak (how much) sesuatu benda yang dimaksudkan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: much better<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">4.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Numeral
Adjective<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Kata
sifat yang menunjukkan berapa banyak (how many) benda atau dalam urutan berapa.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: a great many woman<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">5.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Demonstrative
Adjective<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Kata
sifat yang membatasi pemakaian kata benda pada orang atau benda<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: she came one day to see me.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">6.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Distributive
Adjective<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Membatasi
pemakaian kata benda dengan menunjukkan bahwa orang atau benda yang ditunjukkan
oleh kata benda digunakan satu demi satu, atau dalam bagian-bagian yang
terpisah<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: every man had a gun.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Pengertian Comparative
Degree<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Comparative
adalah suatu nama yang diberikan untuk <i>grammar</i>
yang digunakan untuk membandingkan dua orang, binatang, benda, atau hal.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: he is as brilliant as his sister<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Pengertian
Comparative Positive Degree<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adalah
adjective (kata sifat) atau adverb (kata keterangan) dalam bentuk sederhana<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adjective
: the task is not as difficult as you imagine<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 6pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adverb
: he drives as carefully as my father in the residential area<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Pengertian Comparative
Superlative Degree<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Adalah
nama yang diberikan untuk <i>grammar </i>yang
digunakan untuk membandingkan tiga atau lebih orang, benda, atau hal.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
: he is the most diligent student in my class<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Pengertian Connector<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Kata
penghubung untuk menggabungkan dua buah klausa , yaitu dengan menggunakan and,
but, or, or so.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Contoh
:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">The
sun was shining <i>and</i> the sky was blue.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">The
sky was blue, <i>but</i> it was very cold.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">3.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">It
may rain tonight, <i>or </i>it may be clear.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">4.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">It
was raining outside, <i>so</i> I took my
umbrella.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br /></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt; text-indent: -18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Source
:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"><a href="http://aneneharief.wordpress.com/adjectives-dan-adverbs/">http://aneneharief.wordpress.com/adjectives-dan-adverbs/</a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"><a href="http://toenkzndry.wordpress.com/2012/05/01/structure-toefl-skill/">http://toenkzndry.wordpress.com/2012/05/01/structure-toefl-skill/</a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"><a href="http://www.wordsmile.com/pengertian-dan-contoh-kalimat-positive-degree">http://www.wordsmile.com/pengertian-dan-contoh-kalimat-positive-degree</a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"><a href="http://www.wordsmile.com/pengertian-dan-contoh-kalimat-superlative-degree-adjective">http://www.wordsmile.com/pengertian-dan-contoh-kalimat-superlative-degree-adjective</a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;"><a href="http://toenkzndry.wordpress.com/2012/05/01/structure-toefl-skill/">http://toenkzndry.wordpress.com/2012/05/01/structure-toefl-skill/</a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 6pt 18pt;">
<br /></div>
<br />
<div class="MsoListParagraphCxSpLast" style="margin: 0cm 0cm 6pt 18pt;">
<br /></div>
</div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-12700540879059328242014-04-04T12:17:00.000+07:002014-04-15T11:11:51.060+07:00Passive Voice<div style="text-align: justify;">
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Definition of Passive
Voice<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Passive Voice adalah
suatu <i>grammatical</i> <i>construction</i> (bentuk gramatikal)
dimana <i>subject </i>pada <i>sentence</i> (kalimat) atau <i>clause </i>(Klausa)
tidak melakukan aksi melainkan menerima aksi atau ditindaklanjuti (receiver of
action) oleh <i>agent </i>lain (doer of action) baik disebutkan
ataupun tidak. Sebaliknya, pada konstruksi <i>active, subject </i>pada <i>sentence </i>atau
clause berhubungan langsung dengan <i>verb </i>dengan bertindak
sebagai pelaku aksi. Kalimat aktif dapat ditransformasi menjadi pasif, namun hanya
transitive verb (mempunyai <i>direct object</i>) yang dapat diberlakukan
demikian.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Hal yang perlu
diperhatikan dalam merubah aktif ke pasif adalah:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Yang dapat dijadikan kalimat passive adalah
verbal sentence (kalimat yang predikatnya kata kerja/V)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Verbal sentence yang dapat dirubah ke Paasive
Voice (Kalimat Pasif) adalah kalimat yang memiliki objek penderita.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Perubahan aktif ke pasif atau sebaliknya tidak
merubah makna kalimat. Perubahan ini terjadi hanya pada struktur kalimatnya
saja.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">4.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Cirri kalimat pasiv/passive voice adalah to be +
V3 dan kata by (kata ini bukan merupakan syarat yang harus ada dalam kalimat
pasif)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin: 0cm 0cm 0.0001pt 18pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Pattern<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">S + be + verb3 + by +
object + modifier<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Example :<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">I am paid in dollars.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The red velvet recipe is
used by many people.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">All of my shoes are
washed every month.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">4.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Large amounts of meat
and milk are consumed by many people in the countries.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">5.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The book was edited by
Beatrice Sparks<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">6.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The books were edited by
Beatrice Sparks<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">7.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The television is stolen
by him<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">8.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Tina is helped by Jane<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">9.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">They are met by him
everyday<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">10.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">This plant is watered by
her every two days<o:p></o:p></span></div>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><br clear="all" style="mso-special-character: line-break; page-break-before: always;" />
</span>
<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Rumus Pola Aktif-Pasif untuk Semua Tenses<o:p></o:p></span></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; margin-left: -15.9pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184; width: 709px;">
<tbody>
<tr>
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Tenses<o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 171.85pt;" valign="top" width="229">
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Active<o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 200.15pt;" valign="top" width="267">
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Passive<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Simple
Present<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Simple
Past<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 171.85pt;" valign="top" width="229">
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ V1<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ V2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 200.15pt;" valign="top" width="267">
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ am/is/are + V3<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ <o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 159.6pt;" valign="top" width="213">
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Present
Continous <o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Present
Perfect Continous<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Past
Continous<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Past
Perfect Continous<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Future
Continous<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Future
Perfect Continous<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Past
Future Continous<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Past
Future Perfect Continous<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 171.85pt;" valign="top" width="229">
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ am/is/are + V-ing<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ have/has + been + V-ing<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ was/were + V-ing<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ had + been + V-ing<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ will/shall + be + V-ing<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ will + have + V-ing<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ would + be + V-ing<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ would + have + been + V-ing<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 200.15pt;" valign="top" width="267">
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ am/is/are + being + V3<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ have/has + been + being + V3<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ was/were + being + V3<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ had + been + being + V3<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ will/shall + be + being + V3<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ will + have + been + being + V3<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ would + be + being + V3<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">S
+ would + have + been + being + V3<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Ciri kalimat passive/passive voice
selain by + O adalah<o:p></o:p></span></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; margin-left: 69.2pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr>
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 4.0cm;" valign="top" width="151">
<div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Present<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Past<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Perfect<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Continous<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Future<o:p></o:p></span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 120.5pt;" valign="top" width="161">
<div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Am/is/are + V3<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Was/were + V3<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Been + V3<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Being + V3<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 15.0pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Be + V3<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">FORM: SUBJECT + BE + THE PAST PARTICIPLE
(V3)</span><span style="font-family: Verdana, sans-serif; font-size: 9pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Be </span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">dalam kalimat pasif menentukan jenis Tense dari kalimat tersebut.</span><span style="font-family: Verdana, sans-serif; font-size: 9pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The present tense (am, is , are)</span><span style="font-family: Verdana, sans-serif; font-size: 9pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The past tense (was, were)</span><span style="font-family: Verdana, sans-serif; font-size: 9pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Infinitive (be)</span><span style="font-family: Verdana, sans-serif; font-size: 9pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">-ing form (being)</span><span style="font-family: Verdana, sans-serif; font-size: 9pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">the past participle (been)</span><span style="font-family: Verdana, sans-serif; font-size: 9pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Contoh kalimat passive yang menggunakan kata kerja Drive
(drive-drove-driven)</span><span style="font-family: Verdana, sans-serif; font-size: 9pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoListParagraph" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The
simple present tense<o:p></o:p></span></b></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subject + be (am/is/are) + the past participle</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(active)
Someone<b> drives</b> the
car everyday<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(passive)
The car <b>is
driven</b> everyday<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive Question)
<b>Is </b>the car<b> driven </b>everyday?<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive Negative)
The car <b>is not driven</b> everyday.<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoListParagraph" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The
Simple Past tense<o:p></o:p></span></b></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subject + be (was/were) + the past participle</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(active)
Someone <b>drove</b> the car<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive)
The car <b>was driven</b><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive Question)
<b>was </b>the car <b>driven</b>?<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive
Negative)
The car <b>was not driven</b><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoListParagraph" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The
simple future tense<o:p></o:p></span></b></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subject + will + be + the past participle</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(active)
Someone <b>will drive </b>the car<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Passive)
The car <b>will be driven</b><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive question)
<b>Will </b>the car be <b>driven</b>?<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Passive Negative)
The car <b>will not be driven.</b><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoListParagraph" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">4.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The
simple future tense<o:p></o:p></span></b></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subject + be (am/is/are) going to + be + the
past participle</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(active)
Someone <b>is going to drive</b> the car<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(pasiive)
The car <b>is going to be driven</b><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive question)
<b>Is </b>the car <b>going to be
driven</b>?<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive
Negative)
The car <b>is not going to be driven</b><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoListParagraph" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">5.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The
present continuous tense<o:p></o:p></span></b></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subject + be (am/is/are) + being + the past
participle</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(active)
Someone <b>is driving</b> the car<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive)
The car <b>is being driven</b><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive
question) <b>Is</b> the
car <b>being driven?</b><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive Negative)
The car<b> is not being driven</b><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoListParagraph" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">6.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The
past continuous tense<o:p></o:p></span></b></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subject + be (was/were) + being + the past
participle</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(active)
Someone <b>was driving</b> the car<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive)
The car <b>was being driven</b><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Passive question)
<b>Was</b> the car <b>being driven</b>?<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Passive Negative)
The car <b>was not being driven</b><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoListParagraph" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">7.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The
present perfect tense<o:p></o:p></span></b></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subject + has/heve + been + the past participle</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(active) <b>Someone
has driven the car</b><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive)
The car <b>has been driven</b><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive Question)
<b>Has</b> the <b>car been
driven?</b><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Passive
Negative)
The car <b>has not been driven</b><o:p></o:p></span></div>
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<br /></div>
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<!--[if !supportLists]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">8.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The
past perfect tense<o:p></o:p></span></b></div>
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<b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subject + had + been + the past participle</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(active)
Someone <b>had driven</b> the car.<o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(passive)
The car <b>had been driven</b><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(passive
question) <b>Had </b>the
car <b>been driven</b>?<o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(passive Negative)
The car <b>had not been driven</b><o:p></o:p></span></div>
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<br /></div>
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<!--[if !supportLists]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">9.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">The
future perfect tense<o:p></o:p></span></b></div>
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<b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subject + will have + been + the past participle</span></b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(active)
Someone <b>will have driven</b> the car<o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(passive)
The car <b>will have been driven</b><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive question)
<b>Will</b> the car <b>have been
driven</b>?<o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin-bottom: 0.0001pt; text-indent: 18pt;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Passive Negative)
The car <b>will not have been driven</b><o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Source : <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><a href="http://aspiandi.blogspot.com/2011/10/tentang-passive-voice.html">http://aspiandi.blogspot.com/2011/10/tentang-passive-voice.html</a><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><a href="http://terkupas.blogspot.com/2012/09/bab-5-passive-voice.html">http://terkupas.blogspot.com/2012/09/bab-5-passive-voice.html</a><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><a href="http://poentodito.blogspot.com/2013/05/passive-voice.html">http://poentodito.blogspot.com/2013/05/passive-voice.html</a><o:p></o:p></span></div>
<br />
<div class="MsoNormal">
<br /></div>
</div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-6291928119113506162014-03-07T11:32:00.002+07:002014-03-07T13:45:48.849+07:00Conditional Sentences<div style="text-align: justify;">
Definition of Conditional Sentence</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Conditional Sentences (Kalimat Pengandaian) adalah kalimat yang digunakan untuk menyatakan sesuatu yang mungkin terjadi atau mungkin tidak terjadi seperti yang diharapkan.</div>
<div style="text-align: justify;">
Conditional Sentences (Kalimat Pengandaian) dalam bahasa Inggris selalu berbentuk kalimat majemuk (Compound Sentences), yaitu kalimat yang terdiri atas :</div>
<div style="text-align: justify;">
</div>
<ol>
<li style="text-align: justify;">Main Clause (Induk Kalimat), adalah bagian dari kalimat majemuk yang dapat berdiri sendiri serta memiliki arti yang lengkap jika berpisah dari bagian yang lain dalam kalimat majemuk.</li>
<li style="text-align: justify;">Subordinate Clause (Anak Kalimat), adalah bagian dari kalimat majemuk yang tidak dapat berdiri sendiri seandainya berpisah dari bagian yang lain dalam kalimat majemuk.</li>
</ol>
<div>
<div style="text-align: justify;">
Pada bentuk Conditional Sentences antara induk kalimat dan anak kalimat dihubungkan dengan "if (jika)".</div>
</div>
<div>
<div style="text-align: justify;">
Example :</div>
</div>
<div>
<div style="text-align: justify;">
If I have a lot of money, I will go to America</div>
</div>
<div>
<div style="text-align: justify;">
I will sleep if I am sleepy</div>
</div>
<div>
<div style="text-align: justify;">
If my father has much money, he will buy a new house</div>
</div>
<div>
<div style="text-align: justify;">
<br /></div>
</div>
<div>
<div style="text-align: justify;">
Tiga Macam Tipe Conditional Sentences</div>
</div>
<div>
<div style="text-align: justify;">
<b>Conditional Sentences Type I</b></div>
</div>
<div>
<div style="text-align: justify;">
<b>Function:</b></div>
</div>
<div>
<div style="text-align: justify;">
Tipe I digunakan dalam kalimat yang kejadiannya terjadi pada rentang waktu kini (<i>presen</i>) hingga masa depan (<i>future</i>), atau dapat bermakna future karena akibat (main clause) berbentuk future dan subordinate clause berbentuk simple present tense, kejadian yang ada pada main clause yang berbentuk future tersebut akan terjadi bila persyaratan yang ada pada subordinate clause (if...) terpenuhi.</div>
</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>Pattern:</b></div>
<div style="text-align: justify;">
If + simple present tense (V1/Vs), simple future tense (will + V1)</div>
<div style="text-align: justify;">
Simple future tense (will + V1) + if + simple present tense (V1/Vs)</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>Example:</b></div>
<div style="text-align: justify;">
</div>
<ol>
<li style="text-align: justify;">If she has my address, she will send the invitation to me.</li>
<li style="text-align: justify;">They will buy a car if they have money.</li>
<li style="text-align: justify;">My mother will go to Bali if she has a lot of money.</li>
<li style="text-align: justify;">You will be late if you sleep late.</li>
<li style="text-align: justify;">He will not come if you are angry with him.</li>
<li style="text-align: justify;">If I have enough time, I swim twice a week.</li>
<li style="text-align: justify;">If I have enough time tomorrow, I will swim.</li>
<li style="text-align: justify;">If water evaporates, it becomes gas.</li>
<li style="text-align: justify;">I will go to bed if I am sleepy.</li>
<li style="text-align: justify;">I will but that comic book if I have enough money.</li>
<li style="text-align: justify;">If he bears the news, he will be shocked.</li>
<li style="text-align: justify;">If she is not careful with the fire, she will burn her finger.</li>
<li style="text-align: justify;">If he doesn't like the cake, he will not eat it.</li>
<li style="text-align: justify;">If you don't water the plants, they will die.</li>
<li style="text-align: justify;">Father will be happy if I finish the work before lunch.</li>
<li style="text-align: justify;">I will come to your house if I have enough time.</li>
<li style="text-align: justify;">Susi will wash the dishes if she feels well.</li>
<li style="text-align: justify;">Jono will go to the beach the afternoon if doesn't rain.</li>
<li style="text-align: justify;">If you meet Andy, ask him to call me.</li>
<li style="text-align: justify;">If the bell rings, I'll go home.</li>
</ol>
<div>
<div style="text-align: justify;">
<b>Conditional Sentences Type II</b></div>
</div>
<div>
<div style="text-align: justify;">
<b>Function:</b></div>
</div>
<div>
<div style="text-align: justify;">
Tipe II digunakan sebagai aplikasi kejadian masa sekarang atau present. Kejadiannya akan terjadi jika kondisi yang ada pada subodinate clausenya berbeda. Yang membedakan tipe ini dengan tipe pertama adalah kaliamt ini digunakan untuk kalimat pengandaian. Pada tipe I, kondisinya pada subordinate clause berbentuk present dan ini kemungkinan besar terjadi. Sedangkan pada tipe II, kondisi pada subordinate clause berbentuk simple past tense yang menyatakan masa lampau, jika masa lampau adalah masa yang sudah lewat dan kita telah mengetahuinya. Jadi tipe II adalah kalimat pengandaian yang tidak mungkin terjadi, sedangkan tipe I bisa saja terjadi.</div>
</div>
<div>
<div style="text-align: justify;">
<br /></div>
</div>
<div>
<div style="text-align: justify;">
<b>Pattern:</b></div>
</div>
<div>
<div style="text-align: justify;">
If + simple past tense (V2) + , + Would + Past Future Tense</div>
</div>
<div>
<div style="text-align: justify;">
Past Future Tense + if + simple past tense</div>
</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b><br /></b></div>
<div style="text-align: justify;">
<b>Example:</b></div>
<div style="text-align: justify;">
</div>
<ol>
<li style="text-align: justify;">If I found her address, I would send her an invitation.</li>
<li style="text-align: justify;">I would send her an invitation if I found her address.</li>
<li style="text-align: justify;">If I had a lot of money, I wouldn't stay here.</li>
<li style="text-align: justify;">I I were you, I would not do this.</li>
<li style="text-align: justify;">If John had the money, he would send her invitation.</li>
<li style="text-align: justify;">If I had enough money, I would buy that novel.</li>
<li style="text-align: justify;">If I were a billionaire, I would buy an island and make my own country there.</li>
<li style="text-align: justify;">She would be able to go if she did'nt sick.</li>
<li style="text-align: justify;">She would pass test, if she studied hard.</li>
<li style="text-align: justify;">He would help the poor if he were a millionare.</li>
<li style="text-align: justify;">He would support me, if I bad a match.</li>
<li style="text-align: justify;">He would help your homework if be were able to</li>
<li style="text-align: justify;">If I were take the offer if I were you</li>
<li style="text-align: justify;">If it rained tomorrow, I would sleep all day.</li>
<li style="text-align: justify;">He would sleep all day if it rained tomorrow.</li>
<li style="text-align: justify;">I would buy a sport car If I had much money</li>
<li style="text-align: justify;">I would donate my money to charity if I were a millionaire.</li>
<li style="text-align: justify;">If I had much money, I would buy a sport car.</li>
<li style="text-align: justify;">I were a millionaire, I would donate money to charity</li>
<li style="text-align: justify;">If Nisa studied hard, she would pass.</li>
</ol>
<div>
<div style="text-align: justify;">
<b>Conditional Sentences Type III</b></div>
</div>
<div>
<div style="text-align: justify;">
<b>Function:</b></div>
</div>
<div>
<div style="text-align: justify;">
Tipe III digunakan untuk kejadian di waktu lampau, dan kejadiannya berlawanan dengan yang terdapat di kalimatnya. Atau bisa dikatakan tipe ketiga digunakan untuk kejadian yang sudah terlanjur terjadi dan tidak mungkin berubah lagi.</div>
</div>
<div>
<div style="text-align: justify;">
<br /></div>
</div>
<div>
<div style="text-align: justify;">
<b>Pattern:</b></div>
</div>
<div>
<div style="text-align: justify;">
If + past perfect (had+V3) + , + Past future perfect tense</div>
</div>
<div>
<div style="text-align: justify;">
Past future perfect tense + if + past perfect</div>
</div>
<div>
<div style="text-align: justify;">
<br /></div>
</div>
<div>
<div style="text-align: justify;">
<b>Example</b></div>
</div>
<div>
<ol>
<li style="text-align: justify;">If I had found her address, I would have sent her an invitation.</li>
<li style="text-align: justify;">I would have sent her an invitation if I had found her address.</li>
<li style="text-align: justify;">If I hadn't studied, I wouldn't have passed my exams.</li>
<li style="text-align: justify;">If John had had the money, he would have bought a Ferrari.</li>
<li style="text-align: justify;">If you had told me about the problem, I would have helped you.</li>
<li style="text-align: justify;">I wouldn't have broken my arm if I hadn't slipped on the stiar.</li>
<li style="text-align: justify;">I should have left for Yogyakarta if I had money</li>
<li style="text-align: justify;">You would have distrubed me if you had shouted loundly</li>
<li style="text-align: justify;">She would have slept soundly if she had been drowsy</li>
<li style="text-align: justify;">He would have been dead if he had been in emergency.</li>
<li style="text-align: justify;">The teacher would have scolded me if I had been absent.</li>
<li style="text-align: justify;">If you had remembered to invite me, I would have attended your party.</li>
<li style="text-align: justify;">I would have attended your party if you had remembered to invite me.</li>
<li style="text-align: justify;">If the waitress had been careful, she wouldn't have broke many plates.</li>
</ol>
</div>
<div>
<div style="text-align: justify;">
<b>Source :</b><br />
<div class="MsoListParagraphCxSpFirst" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><a href="http://www.ego4u.com/en/cram-up/grammar/conditional-sentences">http://www.ego4u.com/en/cram-up/grammar/conditional-sentences</a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><a href="http://belajarbahasainggrisonlinegratis.blogspot.com/2013/02/conditional-sentence-type-i.html">http://belajarbahasainggrisonlinegratis.blogspot.com/2013/02/conditional-sentence-type-i.html</a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><a href="http://belajarbahasainggrisonlinegratis.blogspot.com/2013/02/conditional-sentence-type-2.html">http://belajarbahasainggrisonlinegratis.blogspot.com/2013/02/conditional-sentence-type-2.html</a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;">4.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><a href="http://belajarbahasainggrisonlinegratis.blogspot.com/2013/02/conditional-sentence-type-iii.html">http://belajarbahasainggrisonlinegratis.blogspot.com/2013/02/conditional-sentence-type-iii.html</a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;">5.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><a href="http://linggris.wordpress.com/2010/07/25/conditional-sentences/">http://linggris.wordpress.com/2010/07/25/conditional-sentences/</a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;">6.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><a href="http://www.wordsmile.com/if-conditional-type-1">http://www.wordsmile.com/if-conditional-type-1</a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;">7.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><a href="http://www.englisch-hilfen.de/en/grammar/if_type1.htm">http://www.englisch-hilfen.de/en/grammar/if_type1.htm</a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;">8.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><a href="http://fanziblo.blogspot.com/2013/04/conditional-sentence-type-i-ii-iii_3.html">http://fanziblo.blogspot.com/2013/04/conditional-sentence-type-i-ii-iii_3.html</a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;">9.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><a href="http://poentodito.blogspot.com/2013/04/conditional-sentences-type-123.html">http://poentodito.blogspot.com/2013/04/conditional-sentences-type-123.html</a><o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpLast" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;">10.<span style="font-family: 'Times New Roman'; font-size: 7pt;"> </span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 13.5pt;"><a href="http://filinanggraini.blogspot.com/2013/03/conditional-sentences-type-i-ii-iii.html">http://filinanggraini.blogspot.com/2013/03/conditional-sentences-type-i-ii-iii.html</a><o:p></o:p></span></div>
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Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-59608844924641585372013-12-04T16:45:00.002+07:002013-12-04T16:45:23.643+07:00Contoh Pelanggaran Etika Bisnis<div class="MsoNormal" style="background: white; line-height: 14.25pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<b style="background-color: transparent; text-indent: -18pt;"><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;">A.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal;">
</span></span></b><b style="background-color: transparent; text-indent: -18pt;"><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Contoh Pelanggaran dalam Praktek</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify;">
<span style="background: white; color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Sebuah perusahaan X karena kondisi perusahaan
yang pailit akhirnya memutuskan untuk melakukan PHK kepada karyawannya. Namun
dalam melakukan PHK itu, perusahaan sama sekali tidak memberikan pesongan
sebagaimana yang diatur dalam UU No. 13/2003 tentang Ketenagakerjaan. Dalam
kasus ini perusahaan x dapat dikatakan melanggar prinsip kepatuhan terhadap
hukum.</span><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;">B.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal;">
</span></span></b><!--[endif]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Contoh Pelanggaran dalam Praktek</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<span style="background: white; color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Sebuah Yayasan X menyelenggarakan pendidikan
setingkat SMA. Pada tahun ajaran baru sekolah mengenakan biaya sebesar Rp
500.000,- kepada setiap siswa baru. Pungutan sekolah ini sama sekali tidak
diinformasikan kepada mereka saat akan mendaftar, sehingga setelah diterima mau
tidak mau mereka harus membayar. Disamping itu tidak ada informasi maupun
penjelasan resmi tentang penggunaan uang itu kepada wali murid. Setelah didesak
oleh banyak pihak, Yayasan baru memberikan informasi bahwa uang itu
dipergunakan untuk pembelian seragama guru. Dalam kasus ini, pihak Yayasan dan
sekolah dapat dikategorikan melanggar prinsip transparansi</span><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;">C.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal;">
</span></span></b><!--[endif]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Contoh Pelanggaran dalam Praktek</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<span style="background: white; color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Sebuah RS Swasta melalui pihak Pengurus
mengumumkan kepada seluruh karyawan yang akan mendaftar PNS secara otomotais
dinyatakan mengundurkan diri. A sebagai salah seorang karyawan di RS Swasta itu
mengabaikan pengumuman dari pihak pengurus karena menurut pendapatnya ia
diangkat oleh Pengelola dalam hal ini direktur, sehingga segala hak dan
kewajiban dia berhubungan dengan Pengelola bukan Pengurus. Pihak Pengelola
sendiri tidak memberikan surat edaran resmi mengenai kebijakan tersebut.</span><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"> <span style="background: white;">Karena
sikapnya itu, A akhirnya dinyatakan mengundurkan diri. Dari kasus ini RS Swasta
itu dapat dikatakan melanggar prinsip akuntabilitas karena tidak ada kejelasan
fungsi, pelaksanaan dan pertanggungjawaban antara Pengelola dan Pengurus Rumah
Sakit</span><o:p></o:p></span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;">D.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal;">
</span></span></b><!--[endif]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Contoh Pelanggaran dalam Praktek</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<span style="background: white; color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Sebuah perusahaan PJTKI di Jogja melakukan
rekrutmen untuk tenaga baby sitter. Dalam pengumuman dan perjanjian dinyatakan
bahwa perusahaan berjanji akan mengirimkan calon TKI setelah 2 bulan mengikuti
training dijanjikan akan dikirim ke negara-negara tujuan. Bahkan perusahaan
tersebut menjanjikan bahwa segala biaya yang dikeluarkan pelamar akan
dikembalikan jika mereka tidak jadi berangkat ke negara tujuan. B yang tertarik
dengan tawaran tersebut langsung mendaftar dan mengeluarkan biaya sebanyak Rp 7
juta untuk ongkos administrasi dan pengurusan visa dan paspor. Namun setelah 2
bulan training, B tak kunjung diberangkatkan, bahkan hingga satu tahun tidak
ada kejelasan. Ketika dikonfirmasi, perusahaan PJTKI itu selalu berkilah ada
penundaan, begitu seterusnya. Dari kasus ini dapat disimpulkan bahwa Perusahaan
PJTKI tersebut telah melanggar prinsip pertanggungjawaban dengan mengabaikan
hak-hak B sebagai calon TKI yang seharusnya diberangnka ke negara tujuan untuk
bekerja.</span><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;">E.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal;">
</span></span></b><!--[endif]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Contoh Pelanggaran dalam Praktek</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify;">
<span style="background: white; color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Sebuah perusahaan property ternama di
Yogjakarta tidak memberikan surat ijin membangun rumah dari developer kepada
dua orang konsumennya di kawasan kavling perumahan milik perusahaan tersebut.
Konsumen pertama sudah memenuhi kewajibannya membayar harga tanah sesuai
kesepakatan dan biaya administrasi lainnya.</span><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"> <span style="background: white;">Sementara konsumen kedua masih
mempunyai kewajiban membayar kelebihan tanah, karena setiap kali akan membayar
pihak developer selalu menolak dengan alasan belum ada ijin dari pusat
perusahaan (pusatnya di Jakarta). Yang aneh adalah di kawasan kavling itu hanya
dua orang ini yang belum mengantongi izin pembangunan rumah, sementara 30
konsumen lainnya sudah diberi izin dan rumah mereka sudah dibangun semuannya.
Alasan yang dikemukakan perusahaan itu adalah ingin memberikan pelajaran kepada
dua konsumen tadi karena dua orang ini telah memprovokasi konsumen lainnya
untuk melakukan penuntutan segera pemberian izin pembangunan rumah. Dari kasus
ini perusahaan property tersebut telah melanggar prinsip kewajaran (fairness)
karena tidak memenuhi hak-hak stakeholder (konsumen) dengan alasan yang tidak
masuk akal.</span><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify;">
<br /></div>
<b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-size: 11.0pt; mso-bidi-language: AR-SA; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><br clear="all" style="mso-special-character: line-break; page-break-before: always;" />
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<div class="MsoListParagraphCxSpFirst" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;">F.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal;">
</span></span></b><!--[endif]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Contoh Pelanggaran dalam Praktek</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify;">
<span style="background: white; color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Sebuah perusahaan pengembang di Sleman membuat
kesepakatan dengan sebuah perusahaan kontraktor untuk membangun sebuah
perumahan. Sesuai dengan kesepakatan pihak pengembang memberikan spesifikasi
bangunan kepada kontraktor. Namun dalam pelaksanaannya, perusahaan kontraktor
melakukan penurunan kualitas spesifikasi bangunan tanpa sepengetahuan
perusahaan pengembang. Selang beberapa bulan kondisi bangunan sudah mengalami
kerusakan serius. Dalam kasus ini pihak perusahaan kontraktor dapat dikatakan
telah melanggar prinsip kejujuran karena tidak memenuhi spesifikasi bangunan
yang telah disepakati bersama dengan perusahaan pengembang.</span><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;">G.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal;">
</span></span></b><!--[endif]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Contoh Pelanggaran dalam Praktek</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify;">
<span style="background: white; color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Seorang nasabah, sebut saja X, dari perusahaan
pembiayaan terlambat membayar angsuran mobil sesuai tanggal jatuh tempo karena
anaknya sakit parah. X sudah memberitahukan kepada pihak perusahaan tentang
keterlambatannya membayar angsuran, namun tidak mendapatkan respon dari
perusahaan. Beberapa minggu setelah jatuh tempo pihak perusahaan langsung
mendatangi X untuk menagih angsuran dan mengancam akan mengambil mobil yang
masih diangsur itu. Pihak perusahaan menagih dengan cara yang tidak sopan dan
melakukan tekanan psikologis kepada nasabah. Dalam kasus ini kita dapat
mengakategorikan pihak perusahaan telah melakukan pelanggaran prinsip empati
pada nasabah karena sebenarnya pihak perusahaan dapat memberikan peringatan
kepada nasabah itu dengan cara yang bijak dan tepat.</span><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;">H.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal;">
</span></span></b><!--[endif]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Contoh Pelanggaran dalam Praktek</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify;">
<span style="background: white; color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Sebuah perusahaan x akan mengikuti tender yang
ditawarkan oleh pemerintah. Perusahaan tersebut sudah memenuhi seluruh
persyaratan yang ada dalam terder tersebut. Selama menunggu tender di proses
oleh panitia tender, pihak perusahaan x didatangi oleh “oknum pemerintah”, yang
menyatakan bahwa perusahaan X akan jadi pemenang tender seandainya memberikan
sejumlah prosentasi tertentu dari tender tersebut kepada panitia. Dalam hal ini
pihak perusahaan X yang kemudian “terpaksa” memberikan sejumlah prosentase
tertentu kepada panitia tender.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: Arial;">I.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal;">
</span></span></b><!--[endif]--><b><span style="color: #222222; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Contoh
pelanggaran dalam praktek</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin: 0cm 0cm 0.0001pt 18pt; text-align: justify;">
<span style="color: #222222; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Sebuah perusahaan PJTKI di Jogja melakukan rekrutmen untuk
tenaga baby sitter. Dalam pengumuman dan perjanjian dinyatakan bahwa perusahaan
berjanji akan mengirimkan calon TKI setelah 2 bulan mengikuti training
dijanjikan akan dikirim ke negara-negara tujuan. Bahkan perusahaan tersebut
menjanjikan bahwa segala biaya yang dikeluarkan pelamar akan dikembalikan jika
mereka tidak jadi berangkat ke negara tujuan. B yang terarik dengan tawaran
tersebut langsung mendaftar dan mengeluarkan biaya sebanyak Rp 7 juta untuk
ongkos administrasi dan pengurusan visa dan paspor. Namun setelah 2 bulan
training, B tak kunjung diberangkatkan, bahkan hingga satu tahun tidak ada
kejelasan. Ketika dikonfirmasi, perusahaan PJTKI itu selalu berkilah ada
penundaan, begitu seterusnya. Dari kasus ini dapat disimpulkan bahwa Perusahaan
PJTKI tersebut telah melanggar prinsip pertanggungjawaban dengan mengabaikan
hak-hak B sebagai calon TKI yang seharusnya diberangnka ke negara tujuan untuk
bekerja.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 14.25pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="background: white; line-height: 14.25pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="background: white; line-height: 14.25pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";">Sumber :</span><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-bidi-font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";"> </span><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><a href="http://rhynanana.blogspot.com/2013/10/etika-bisnis-di-era-globalisasi.html"><span style="color: #888888; mso-bidi-font-size: 11.0pt; text-decoration: none; text-underline: none;">http://rhynanana.blogspot.com/2013/10/etika-bisnis-di-era-globalisasi.html</span></a><o:p></o:p></span></div>
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<span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><a href="http://trisultanefendi.blogspot.com/2013/01/etika-bisnis-dalam-lingkup-globalisasi.html"><span style="color: #888888; mso-bidi-font-size: 11.0pt; text-decoration: none; text-underline: none;">http://trisultanefendi.blogspot.com/2013/01/etika-bisnis-dalam-lingkup-globalisasi.html</span></a><o:p></o:p></span></div>
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<span style="color: #222222; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">http://gemarosari.blogspot.com/2012/11/beberapa-bentuk-pelanggaran-etika-bisnis.html</span><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="background: white; line-height: 14.25pt; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="color: #222222; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">http://adey-am20.blogspot.com/2010/11/contoh-kasus-pelanggaran-etika-bisnis.html</span><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<br />
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<a href="http://sinuraya31.blogspot.com/2013/10/pelanggaran-etika-bisnis-yang-terjadi.html">http://sinuraya31.blogspot.com/2013/10/pelanggaran-etika-bisnis-yang-terjadi.html</a></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-8510842704569636712013-12-04T16:38:00.002+07:002013-12-04T16:38:45.474+07:00Etika Bisnis dan Kewirausahaan<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; text-align: justify;">
<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Menurut Pengertiannya,
etika dapat dibedakan menjadi 2 yaitu :</span></div>
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<!--[if !supportLists]--><span style="font-family: Arial, sans-serif; font-size: 13.5pt;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span lang="IN" style="font-family: 'Times New Roman', serif; font-size: 12pt;">Etika sebagai praktis (apa yang dilakukan
sejauh ini sesuai atau tidak sesuai dengan nilai dan norma moral).</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Arial, sans-serif; font-size: 13.5pt;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span lang="IN" style="font-family: 'Times New Roman', serif; font-size: 12pt;">Etika sebagai refleksi (dalam hal ini
menyoroti dan menilai baik-buruknya seseorang).</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br />
</span><span lang="IN" style="font-family: 'Times New Roman', serif; font-size: 12pt;">Pengertiannya
dapat dibedakan menjadi :</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Arial, sans-serif; font-size: 13.5pt;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><i><span lang="IN" style="font-family: 'Times New Roman', serif; font-size: 12pt;">Secara makro</span></i><span lang="IN" style="font-family: 'Times New Roman', serif; font-size: 12pt;">, etika bisnis mempelajari
aspek-aspek moral dari sistem ekonomi secara keseluruhan.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; margin-left: 36pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Arial, sans-serif; font-size: 13.5pt;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><i><span lang="IN" style="font-family: 'Times New Roman', serif; font-size: 12pt;">Secara meso, </span></i><span lang="IN" style="font-family: 'Times New Roman', serif; font-size: 12pt;">etika bisnis mempelajadi
masalah-masalah etis dibidang organisasi.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; margin-left: 36pt; text-align: justify; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Arial, sans-serif; font-size: 13.5pt;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><i><span lang="IN" style="font-family: 'Times New Roman', serif; font-size: 12pt;">Secara mikro, </span></i><span lang="IN" style="font-family: 'Times New Roman', serif; font-size: 12pt;">etika bisnis difokuskan
pada hubungan individu dengan ekonomi dan bisnis.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span lang="IN" style="font-family: 'Times New Roman', serif; font-size: 12pt;">Menurut Zimmerer, etika
bisnis adalah suatu kode etik perilaku pengusaha berdasarkan nilai-nilai moral
dan norma yang dijadikan tuntunan dalam membuat keputusan dan memecahkan
persoalan-persoalan yang dihadapi.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="background-color: white; background-position: initial initial; background-repeat: initial initial; margin-bottom: 0.0001pt; text-align: justify;">
<span lang="IN" style="font-family: 'Times New Roman', serif; font-size: 12pt;">Menurut Ronald J. Ebert dan
Ricky M. Griffin, etika bisnis adalah istilah yang sering digunakan untuk
menunjukan perilaku etika dari seorang manajer atau karyawan suatu organisasi.
Etika bisnis sangat penting untuk mempertahankan loyalitas pemilik kepentingan.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span lang="IN" style="font-family: 'Times New Roman', serif; font-size: 12pt;">Jadi, Etika bisnis adalah </span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">suatu kode etik perilaku pengusaha berdasarkan
nilai-nilai moral dan norma yang dijadikan tuntunan dalam berusaha dan
memecahkan persoalan-persoalan yang dihadapi</span><span lang="IN" style="font-family: 'Times New Roman', serif; font-size: 12pt;">dalam suatu perusahaan</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">6 Tingkatan Membangun Moral</span></b><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Menurut ahli psikologi, Lawrence Kohlberg,
dengan risetnya selama 20 tahun,menyimpulkan, bahwa ada 6 tingkatan (terdiri
dari 3 level, masing-masing 2 tahap) yangteridentifikasi dalam perkembangan
moral seseorang untuk berhadapan dengan isu-isumoral. Tahapannya adalah sebagai
berikut :</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<i><u><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">1. Level satu : Tahap Prakonvensional</span></u></i><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Pada tahap pertama, seorang anak dapat merespon
peraturan dan ekspektasi sosial dandapat menerapkan label-label baik, buruk,
benar dan salah.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Tahap satu : Orientasi Hukuman dan Ketaatan.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Tahap dua : Orientasi Instrumen dan Relativitas.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<i><u><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">2. Level dua : Tahap Konvensional</span></u></i><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Pada level ini, orang tidak hanya berdamai
dengan harapan, tetapi menunjukkan loyalitasterhadap kelompok beserta
norma-normanya. Remaja pada masa ini, dapat melihat situasidari sudut pandang
orang lain, dari perspektif kelompok sosialnya.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Tahap Tiga : Orientasi pada Kesesuaian
Interpersonal.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Tahap Empat : Orientasi pada Hukum dan
Keteraturan.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<i><u><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">3. Level tiga : Tahap Postkonvensional, Otonom,
atau Berprinsip.</span></u></i><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Pada tahap ini, seseorang tidak lagi secara
sederhana menerima nilai dan normakelompoknya. Dia justru berusaha melihat
situasi dari sudut pandang yang secara adilmempertimbangkan kepentingan orang
lain. Dia mempertanyakan hukum dan nilai yangdiadopsi oleh masyarakat dan
mendefinisikan kembali dalam pengertian prinsip moral yang dipilih sendiri yang
dapat dijustifikasi secara rasional. Hukum dan nilai yang pantas adalah yang
sesuai dengan prinsip-prinsip yang memotivasi orang yang rasional untuk
menjalankannya.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<i><u><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">4. Tahap Lima : Orientasi pada Kontrak Sosial</span></u></i><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Tahap ini, seseorang menjadi sadar bahwa
mempunyai beragam pandangan dan pendapatpersonal yang bertentangan dan
menekankan cara yang adil untuk mencapai consensusdengan kesepahaman, kontrak,
dan proses yang matang. Dia percaya bahwa nilai dannorma bersifat relative, dan
terlepas dari consensus demokratis semuanya diberi toleransi.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Tahap Enam : Orientasi pada Prinsip Etika yang
Universal. Tahap akhir ini, tindakan yang benar didefinisikan dalam pengertian
prinsip moral yangdipilih karena komprehensivitas, universalitas, dan
konsistensi. Alasan seseorang untukmelakukan apa yang benar berdasarkan pada
komitmen terhadap prinsip-prinsip moraltersebut dan dia melihatnya sebagai
criteria untuk mengevaluasi semua aturan dantatanan moral yang lain.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">A. Moralitas</span></b><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Moralitas adalah pedoman yang dimiliki individu
atau kelompok mengenai apa itu benar dan salah, atau baik dan jahat.
Nilai-nilai moral biasanya diekspresikan sebagai pernyataan yang
mendeskripsikan objek-objek atau ciri-ciri objek yang bernilai, semacam
“kejujuran itu baik” dan “ketidakadilan itu buruk”. Standar moral pertama kali
terserap ketika masa kanak-kanak dari keluarga, teman, pengaruh kemasyarakatan
seperti gereja, sekolah, televisi, majalah, music dan perkumpulan.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif; font-size: 13.5pt;">Hakekat standar moral :<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Standar moral berkaitan
dengan persoalan yang kita anggap akan merugikan secara serius atau benar-benar
akan menguntungkan manusia.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Standar moral tidak
dapat ditetapkan atau diubah oleh keputusan dewan otoritatif tertentu.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Standar moral harus
lebih diutamakan daripada nilai lain termasuk (khususnya) kepentingan diri.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">4.<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Standar moral
berdasarkan pada pertimbangan yang tidak memihak.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Standar moral
diasosiasikan dengan emosi tertentu dan kosa kata tertentu.<br />
Standar moral, dengan demikian, merupakan standar yang berkaitan dengan
persoalan yang kita anggap mempunyai konsekuensi serius, didasarkan pada
penalaran yang baik bukan otoritas, melampaui kepentingan diri, didasarkan pada
pertimbangan yang tidak memihak, dan yang pelanggarannya diasosiasikan dengan
perasaan bersalah dan malu dan dengan emosi dan kosa kata tertentu</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<b><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Contoh Pelanggaran
Etika Bisnis</span></b><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 13.5pt;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Manipulasi laporan
keuangan PT KAI Dalam kasus tersebut, terdeteksi adanya kecurangan dalam
penyajian laporan keuangan. Ini merupakan suatu bentuk penipuan yang dapat
menyesatkan investor dan stakeholder lainnya. Kasus ini juga berkaitan dengan
masalah pelanggaran kode etik profesi akuntansi.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 13.5pt;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Skandal Enron, Worldcom
dan perusahaan-perusahaan besar di AS Worldcom terlibat rekayasa laporan
keuangan milyaran dollar AS. Dalam pembukuannya Worldcom mengumumkan laba
sebesar USD 3,8 milyar antara Januari 2001 dan Maret<br />
2002. Hal itu bisa terjadi karena rekayasa akuntansi. Penipuan ini telah
menenggelamkan kepercayaan investor terhadap korporasi AS dan menyebabkan harga
saham dunia menurun serentak di akhir Juni 2002. Dalam perkembangannya, Scott
Sullifan (CFO) dituduh telah melakukan tindakan kriminal di bidang keuangan
dengan kemungkinan hukuman 10 tahun penjara. Pada saat itu, para investor
memilih untuk menghentikan atau mengurangi aktivitasnya di bursa saham.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 13.5pt;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Kasus Tylenol Johnson
& Johnson Kasus penarikan Tylenol oleh Johnson & Johnson dapat dilihat
sebagai bagian dari etika perusahaan yang menjunjung tinggi keselamatan
konsumen di atas segalanga, termasuk keuntungan perusahaan. Johnson &
Johnson segera mengambil tindakan intuk mengatasi masalahnya. Dengan bertindak
cepat dan melindungi kepentingan konsumennya, berarti perusahaan telah menjaga
trustnya.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Kasus obat anti nyamuk
Hit Pada kasus Hit, meskipun perusahaan telah meminta maaf dan berjanji untuk
menarik produknya, ada kesan permintaan maaf itu klise. Penarikan produk yang
kandungannya bisa menyebabkan kanker tersebut terkesan tidak sungguh-sungguh
dilakukan. Produk berbahaya itu masih beredar di pasaran.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 13.5pt;">·<span style="font-family: 'Times New Roman'; font-size: 7pt;">
</span></span><!--[endif]--><span style="font-family: 'Times New Roman', serif; font-size: 12pt;">Kasus Baterai laptop
Dell Dell akhirnya memutuskan untuk menarik dan mengganti baterai laptop yang
bermasalah dengan biaya USD 4,1 juta. Adanya video clip yang menggambarkan
bagaimana sebuah note book Dell meledak yang telah beredar di internet membuat
perusahaan harus bergerak cepat mengatasi masalah tersebut.</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">source:</span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;"><a href="http://id.wikipedia.org/wiki/Etika_bisnis"><span style="color: black;">http://id.wikipedia.org/wiki/Etika_bisnis</span></a><a href="http://www.ilerning.com/index.php?option=com_content&view=article&id=2798%3Aetika-bisnis&catid=50%3Ahukum-dan-etika-bisnis&Itemid=78&limitstart=1"><span style="color: black;">http://www.ilerning.com/index.php?option=com_content&view=article&id=2798%3Aetika-bisnis&catid=50%3Ahukum-dan-etika-bisnis&Itemid=78&limitstart=1 </span></a><a href="http://rosiaprillino.wordpress.com/2013/01/13/contoh-pelanggaran-etika-bisnis/"><span style="color: black;">http://adesyams.blogspot.com/2009/09/tentang-etika-bisnis.htm
http://rosiaprillino.wordpress.com/2013/01/13/contoh-pelanggaran etika-bisnis/</span></a></span><span style="font-family: Arial, sans-serif; font-size: 13.5pt;"><o:p></o:p></span></div>
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<a href="http://ekonomi.kompasiana.com/wirausaha/2013/06/04/etika-bisnis-dan-kewirausahaan-565533.html">http://ekonomi.kompasiana.com/wirausaha/2013/06/04/etika-bisnis-dan-kewirausahaan-565533.html</a></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-83799879631813552802013-10-28T14:21:00.001+07:002013-10-28T14:21:21.494+07:00Kasus 2 Bisnis yang Tidak Beretika<div class="MsoNormal" style="text-align: justify;">
<b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Pelanggaran
Peredaran Produk Impor</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Kementerian
Perdagangan telah menemukan 421 kasus pelanggaran peredaran barang. Sebanyak 67
persen di antaranya berupa produk impor. Untuk menekan peredaran produk tak
layak, tahun ini pemerintah mempercepat penerapan standarisasi nasional Indonesia
untuk sejumlah produk.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dari
total kasus tersebut, sebanyak 8 kasus sudah masuk ke pengadilan, dan 5 kasus
masih proses melengkapi berkas. Sisanya berupa kasus pelanggaran ringan
sehingga tidak perlu sampai ke pengadilan. "Sebagian besar berupa produk elektronik
dan alat rumah tangga," papar Direktur Jenderal Standarisasi dan
Perlindungan Konsumen Kementerian Perdagangan Nus Nuzulia Ishak,
Rabu(10/10/2012).</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dia
mengataan, jumlah kasus pelanggaran tahun ini lebih banyak. Tahun 2011
jumlahnya berkisar 102, sementara periode Januari-Juli tercatat 319 kasus.
"Kami berkomitmen untuk terus mengintensifkan pengawasan, namun masih
terkendala pada minimnya personel penyidik PNS. Kebutuhan PPNS tiap kabupaten
minimal 3 orang, sehingga total kebutuhannya 1.590 orang. Namun personel yang
tersedia baru 920 orang, dan 128 orang di antaranya terkena mutasi,"
katanya.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></div>
<br />
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Analisis terhadap kasus ini:</span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Banyak kasus pelanggaran terhadap peredaran produk impor yang sebagian besar berasal dari produk elektronik dan alat rumah tangga ini sangat meresahkan konsumen, untuk mencegah bisnis yang tidak beretika ini hendaknya pemerintah dapat terus mengintensifkan pengawasan terhadap produk impor ini.</span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">SUMBER
:</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br style="text-align: start;" />
<span style="background: white;"><span style="text-align: start;">http://bisniskeuangan.kompas.com/read/2012/10/10/08545844/Produk.Impor.Dominasi.Kasus.Pelanggaran.Peredaran.Barang</span></span><o:p></o:p></span></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-66321273147856649962013-10-28T13:45:00.002+07:002013-10-28T13:45:56.356+07:00Kasus 1 Bisnis Yang Tidak Beretika<div style="text-align: justify;">
Praktik bisnis tidak beretika di Yogyakarta semakin mengkhawatirkan, terutama di bidang pendidikan, keuangan, dan bisnis properti. Tiap pengusaha diharapkan bisa secara sadar melaksanakan bisnis beretika, sedangkan masyarakat serta pemerintah harus terus mengawal. "Catatan akhir tahun untuk bidang pendidikan, keuangan, dan bisnis properti sangat buruk. Kami juga terus menyoroti bisnis tidak beretika di bidang perdagangan dan kesehatan," ujar Ketua Lembaga Ombudsman Swasta (LOS) DIY Budi Wahyuni.</div>
<div style="text-align: justify;">
Di bidang pendidikan, masih terjadi praktik pendidikan tak beretika, sepeti jual beli ijazah dan gelar. Beberapa lembaga pendidikan juga menawarkan iming-iming lulus langsung kerja tanpa kejelasan sistem perkuliahan. "Cenderung semakin kreatif untuk tidak beretika, padahal di tengah kota pendidikan," ujarnya. Pengaduan pelanggaran prinsip bisnis beretika di bidang properti juga terus mengalir, antara lain menyangkut perizinan dan kualitas konstruksi. Penipuan berkedok investasi banyak dijumpai. Saat ini LOS sedang memproses praktik bisnis tidak beretika pada outsourcing penyedia satpam. Beberapa pengaduan yang masuk ke LOS menyebutkan, para satpam diperkirakan tak memperoleh pelatihan dan pendidikan standar satpam. Padahal, mereka dikenai biaya pelatihan yang biasanya dilimpahkan ke lembaga kepolisian.</div>
<div style="text-align: justify;">
Ketika berlatih di Kepolisian Kota Besar Yogyakarta, misalnya para satpam hanya diajari tentang baris-berbaris selama dua hari. Sesuai pelatihan, mereka juga tak memperoleh sertifikat. "Sehingga terjadi kebingunan apakah sudah dianggap selesai mengikuti pelatiham satpam ketika keluar dari outsourcing," ungkap Budi.</div>
<div style="text-align: justify;">
Meski upah minimum provinsi dipenuhi, satpam juga tidak mengeluh tidak adanya uang lembur ketika bekerja pada hari libur. Bisnis tidak beretika di kalangan outsourcing satpam terjadi di banyak tempat dan menimpa lebih dari 600 satpam. Berdasarkan pengaduan yang masuk, LOS akan mengundang pihak-pihak terkait untuk memberikan keterangan. Penelusuran tentang kejelasan masalah juga akan terus dilakukan, "Tak beretika karena tidak ada transparansi." Tutur Budi. (WKM)</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Analisa Terhadap Kasus Tersebut</div>
<div style="text-align: justify;">
Bisnis yang tidak beretika banyak terjadi di Yogyakarta, contohnya dalam bidang Pendidikan dan bidang Properti. Dalam bidang Pendidikan, masih terjadi praktik pendidikan tidak beretika seperti jual beli ijazah dan gelar, serta iming-iming lulus langsung kerja tanpa sistem perkuliahan. Seharusnya hal ini tidak boleh dilakukan karena pendidikan bukan sebagai tempat bisnis tapi merupakan wadah untuk membentuk generasi yang pintar, handal demi tercapai Sumber Daya Manusia yang berkualitas tinggi.</div>
<div style="text-align: justify;">
Sementara di bidang properti, terjadi pelanggaran menyangkut perizinan dan kualitas konstruksi. Kemudian terjadi juga pada outsourcing penyedia satpam, para satpam tidak memperoleh pelatihan dan pendidikan standar satpam, padahal mereka dikenai biaya pelatihan yang biasanya dilimpahkan ke lembaga kepolisian, sehingga mereka tidak mempunyai sertifikat. Hal ini menyebabkan banyak perusahan-perusahan tidak mempunyai kualitas satpam yang baik, sementara satpamnya sendiri tidak mendapatkan upah yang seharusnya.</div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 13.85pt;">Sumber: </span></div>
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<span style="font-family: 'Times New Roman', serif; font-size: 12pt;">
http://202.146.5.33/kompas-cetak/0712/19/jogja/1046044.htm<br />
4 oktober 2009 04:38 pm<span style="color: #575757;"><o:p></o:p></span></span></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-45998198732227371312013-10-09T09:40:00.002+07:002013-10-09T09:40:20.097+07:00Etika Bisnis<div style="background: white; line-height: 15.0pt; margin-bottom: 11.25pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: #404040; font-family: "Arial","sans-serif";">Etika didefinisikan
sebagai penyelidikan terhadap alam dan ranah moralitas dimana istilah moralitas
dimaksudkan untuk merujuk pada ‘penghakiman’ akan standar dan aturan tata laku
moral. Etika juga bisa disebut sebagai studi filosofi perilaku manusia dengan
penekanan pada penentuan apa yang dianggap salah dan benar.<o:p></o:p></span></div>
<div style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 11.25pt; outline: none;">
<span style="color: #404040; font-family: "Arial","sans-serif";">Dari
definisi itu kita bisa mengembangkan sebuah konsep etika bisnis. Tentu sebagian
kita akan setuju bila standar etika yang tinggi membutuhkan individu yang punya
prinsip moral yang kokoh dalam melaksanakannya. Namun, beberapa aspek khusus
harus dipertimbangkan saat menerapkan prinsip etika ke dalam bisnis.<o:p></o:p></span></div>
<div style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 11.25pt; outline: none;">
<span style="color: #404040; font-family: "Arial","sans-serif";">Pertama,
untuk bisa bertahan, sebuah bisnis harus mendapatkan keuntungan. Jika
keuntungan dicapai melalui perbuatan yang kurang terpuji, keberlangsungan
perusahaan bisa terancam. Banyak perusahaan terkenal telah mencoreng reputasi
mereka sendiri dengan skandal dan kebohongan. Kedua, sebuah bisnis harus
dapat menciptakan keseimbangan antara ambisi untuk mendapatkan laba dan
kebutuhan serta tuntutan masyarakat sekitarnya. Memelihara keseimbangan seperti
ini sering membutuhkan kompromi atau bahkan ‘barter’.<o:p></o:p></span></div>
<div style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 11.25pt; outline: none;">
<span style="color: #404040; font-family: "Arial","sans-serif";">Tujuan
etika bisnis adalah menggugah kesadaran moral para pelaku bisnis dalam
menjalankan good business dan tidak melakukan ‘monkey business’ atau dirty
business. Etika bisnis mengajak para pelaku bisnis mewujudkan citra dan
manajemen bisnis yang etis agar bisnis itu pantas dimasuki oleh semua orang
yang mempercayai adanya dimensi etis dalam dunia bisnis. Hal ini sekaligus
menghalau citra buruk dunia bisnis sebagai kegiatan yang kotor, licik, dan tipu
muslihat. Kegiatan bisnis mempunyai implikasi etis dan oleh karenanya membawa
serta tanggung jawab etis bagi pelakunya.<o:p></o:p></span></div>
<div style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 11.25pt; outline: none;">
<span style="color: #404040; font-family: "Arial","sans-serif";">Berbisnis
dengan etika adalah menerapkan aturan umum mengenai etika pada perilaku bisnis.
Etika bisnis menyangkut moral, kontak sosial, hak-hak dan kewajiban,
prinsip-prinsip dan aturan-aturan. Jika aturan secara umum mengenai etika
mengatakan bahwa berlaku tidak jujur adalah tidak bermoral dan beretika, maka
setiap insan bisnis yang tidak berlaku jujur dengan pegawainya, pelanggan,
kreditur, pemegang usaha maupun pesaing dan masyarakat, maka ia dikatakan tidak
etis dan tidak bermoral. Intinya adalah bagaimana kita mengontrol diri kita
sendiri untuk dapat menjalani bisnis dengan baik dengan cara peka dan
toleransi. Dengan kata lain, etika bisnis ada untuk mengontrol bisnis agar
tidak tamak.<o:p></o:p></span></div>
<div style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 11.25pt; outline: none;">
<span style="color: #404040; font-family: "Arial","sans-serif";">Pelanggaran
etika bisa terjadi di mana saja, termasuk dalam dunia bisnis. Untuk meraih
keuntungan, masih banyak perusahaan yang melakukan berbagai pelanggaran moral.
Praktik curang ini bukan hanya merugikan perusahaan lain, melainkan juga
masyarakat dan negara. Praktik korupsi, kolusi dan nepotisme (KKN) tumbuh subur
di banyak perusahaan.<o:p></o:p></span></div>
<div style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 11.25pt; outline: none;">
<span style="color: #404040; font-family: "Arial","sans-serif";">Dari
mana upaya penegakkan etika bisnis dimulai? Etika bisnis paling gampang
diterapkan di perusahaan sendiri. Pemimpin perusahaan memulai langkah ini
karena mereka menjadi panutan bagi karyawannya. Selain itu, etika bisnis harus
dilaksanakan secara transparan. Pemimpin perusahaan seyogyanya bisa memisahkan
perusahaan dengan milik sendiri. Dalam operasinya, perusahaan mengikuti aturan
berdagang yang diatur oleh tata cara undang-undang.<o:p></o:p></span></div>
<div style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 11.25pt; outline: none;">
<span style="color: #404040; font-family: "Arial","sans-serif";">Etika
bisnis tidak akan dilanggar jika ada aturan dan sanksi. Kalau semua tingkah
laku salah dibiarkan, lama kelamaan akan menjadi kebiasaan. Repotnya, norma
yang salah ini akan menjadi budaya. Oleh karena itu bila ada yang melanggar
aturan diberikan sanksi untuk memberi pelajaran kepada yang bersangkutan. Ada
tiga sasaran dan ruang lingkup pokok etika bisnis. Pertama, etika bisnis
sebagai etika profesi membahas berbagai prinsip, kondisi, dan masalah yang
terkait dengan praktek bisnis yang baik dan etis. Dengan kata lain, etika
bisnis pertama-tama bertujuan untuk menghimbau para pelaku bisnis untuk
menjalankan bisnis secara baik dan etis.<o:p></o:p></span></div>
<div style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 11.25pt; outline: none;">
<span style="color: #404040; font-family: "Arial","sans-serif";">Kedua,
menyadarkan masyarakat, khususnya konsumen, buruh, atau karyawan dan
masyarakatluas pemilik aset umum semacam lingkungan hidup, akan hak dan
kepentingan mereka yang tidak boleh dilanggar oleh praktik bisnis siapapun
juga. Pada tingkat ini, etika bisnis berfungsi menggugah masyarakat bertindak
menuntut para pelaku bisnis untuk berbisnis secara baik demi terjaminnya hak
dan kepentingan masyarakat tersebut.<o:p></o:p></span></div>
<div style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 11.25pt; outline: none;">
<span style="color: #404040; font-family: "Arial","sans-serif";">Ketiga,
etika bisnis juga berbicara mengenai sistem ekonomi yang sangat menentukan etis
tidaknya suatu praktek bisnis. Dalam hal ini, etika bisnis lebih bersifat makro
atau lebih tepat disebut etika ekonomi. Dalam lingkup makro semacam ini, etika
bisnis bicara soal monopoli, oligopoli, kolusi, dan praktik semacamnya yang
akan sangat mempengaruhi, tidak saja sehat tidaknya suatu ekonomi, melainkan
juga baik tidaknya praktik bisnis dalam sebuah negara.<o:p></o:p></span></div>
<div style="background-color: white; background-position: initial initial; background-repeat: initial initial; line-height: 15pt; margin: 0cm 0cm 0.0001pt; outline: none;">
<span style="outline: none;"><em style="outline: none;"><span style="border: none windowtext 1.0pt; font-family: "Arial","sans-serif"; mso-border-alt: none windowtext 0cm; padding: 0cm;">Ditulis
oleh: Ir. Istanto Oerip (Ketua Komite Keanggotaan PII)</span></em></span><span style="font-family: "Arial","sans-serif";"><o:p></o:p></span></div>
<br />
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%;"><a href="http://pii.or.id/etika-bisnis">http://pii.or.id/etika-bisnis</a><o:p></o:p></span></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com1tag:blogger.com,1999:blog-7229107136279325802.post-78564229717400545172013-10-09T08:00:00.000+07:002013-10-09T08:00:23.117+07:006 Etika Bisnis Yang Harus Diketahui Oleh Profesional<div class="MsoNormal" style="line-height: 17.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: Arial, sans-serif; font-size: 12pt;">Saat berada di kantor bersama teman-teman sendiri, tentu Anda akan
merasa lebih bebas untuk berinteraksi bahkan hingga tertawa terbahak-bahak.
Namun akan beda halnya saat Anda terlibat pertemuan dengan mitra bisnis atau
klien Anda dalam suasana bisnis.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 17.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: Arial, sans-serif; font-size: 12pt;">Seperti dilansir dari<i> Business Insider,</i> Kamis
(1/8/2013), peraturan dalam pergaulan sosial pasti agak berbeda dengan standar
pertemuan bisnis. Meski demikian, sekolah-sekolah bisnis jarang membahas etika
para profesional dalam berbisnis.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 17.25pt; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: Arial, sans-serif; font-size: 12pt;">Barbara Pachter, penulis buku 'The Essentials Of Business
Etiquette' menulis tentang sejumlah kemampuan khusus yang perlu dipahami para
profesional sebelum terjun ke dalam situasi bisnis tertentu.<o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif; font-size: 12pt;">Dia membahasnya secara terperinci mulai dari bagaimana seseorang
sebaiknya mengenalkan diri. Dari bukunya, berikut enam etika bisnis yang harus
dipahami dan dilakukan para profesional:<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span style="font-family: Arial, sans-serif; font-size: 12pt;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: Arial, sans-serif; font-size: 12pt;">Sebutkan
nama lengkap Anda</span></b><span style="font-family: Arial, sans-serif; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif; font-size: 12pt;">Dalam situasi bisnis, Anda sebaiknya menyebutkan
nama lengkap Anda saat berkenalan. Namun jika nama Anda terlalu panjang atau
sulit diucapkan, Anda lebih baik sedikit menyingkatnya.<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span style="font-family: Arial, sans-serif; font-size: 12pt;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: Arial, sans-serif; font-size: 12pt;">Berdirilah
saat memperkenalkan diri</span></b><span style="font-family: Arial, sans-serif; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif; font-size: 12pt;">Berdiri saat mengenalkan diri Anda akan
menegaskan kehadiran Anda. Jika kondisinya tidak memungkinkan Anda untuk
berdiri, setidaknya mundurkan kursi, dan sedikit membungkuk agar orang lain
menilai positif kesopanan Anda.<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span style="font-family: Arial, sans-serif; font-size: 12pt;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: Arial, sans-serif; font-size: 12pt;">Ucapkan
Terima Kasih secukupnya</span></b><span style="font-family: Arial, sans-serif; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif; font-size: 12pt;">Dalam percakapan bisnis dengan siapapun, bos
atau mitra perusahaan, Anda hanya perlu mengucapkan terima kasih satu atau dua
kali. Jika Anda mengatakannya berlebihan, orang lain akan memandang Anda sangat
memerlukannya dan sangat perlu bantuan.<o:p></o:p></span></div>
<b style="line-height: 17.25pt; text-align: justify; text-indent: -18pt;"><span style="font-family: Arial, sans-serif; font-size: 12pt;">4.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;">
</span></span></b><b style="line-height: 17.25pt; text-align: justify; text-indent: -18pt;"><span style="font-family: Arial, sans-serif; font-size: 12pt;">Sebarkan
ucapan terima kasih lewat email setelah pertemuan bisnis</span></b><br />
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<span style="font-family: Arial, sans-serif; font-size: 12pt;">Setelah Anda menyelesaikan pertemuan bisnis,
kirimkan ucapan terima kasih secara terpisah ke email pribadi rekan bisnis
Anda. Pengiriman lewat email sangat disarankan, mengingat waktu tibanya akan
lebih cepat.<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span style="font-family: Arial, sans-serif; font-size: 12pt;">5.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: Arial, sans-serif; font-size: 12pt;">Jangan
duduk sambil menyilang kaki</span></b><span style="font-family: Arial, sans-serif; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif; font-size: 12pt;">Tak hanya wanita, para pria pun senang
menyilangkan kakinya saat duduk. Namun untuk kondisi kerja, posisi duduk
seperti ini cenderung tidak sopan. Selain itu, posisi duduk seperti ini juga
bisa berpengaruh negatif pada kesehatan Anda.<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span style="font-family: Arial, sans-serif; font-size: 12pt;">6.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: Arial, sans-serif; font-size: 12pt;">Tuan
rumah yang harus membayar</span></b><span style="font-family: Arial, sans-serif; font-size: 12pt;"><o:p></o:p></span></div>
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<span style="font-family: Arial, sans-serif; font-size: 12pt;">Jika Anda mengundang rekan bisnis Anda untuk
makan di luar, maka Anda yang harus membayar tagihan. Lalu bagaimana jika Anda
seorang perempuan, sementara rekan bisnis atau klien Anda, laki-laki, dan ingin
membayar? Anda tetap harus menolaknya. Anda bisa mengatakan, perusahaan yang
membayarnya dan itu bukan uang pribadi Anda.<o:p></o:p></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><br /></span></div>
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;">Source:<o:p></o:p></span></div>
<br />
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<span style="font-family: "Arial","sans-serif"; font-size: 12.0pt;"><a href="http://bisnis.liputan6.com/read/655741/6-etika-bisnis-yang-harus-diketahui-profesional">http://bisnis.liputan6.com/read/655741/6-etika-bisnis-yang-harus-diketahui-profesional</a></span><span style="font-family: Arial, sans-serif; font-size: 12pt;"><o:p></o:p></span></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-32297026577202807022013-10-07T08:43:00.002+07:002013-10-07T08:43:48.975+07:00Teori Etika Bisnis<div style="text-align: justify;">
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<b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Etika</span></b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> berasal dari dari kata Yunani ‘<b>Ethos</b>’ (jamak – <b>ta
etha</b>), berarti adat istiadat. Etika berkaitan dengan kebiasaan hidup yang
baik, baik pada diri seseorang maupun pada suatu masyarakat.<o:p></o:p></span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Etika
berkaitan dengan nilai-nilai, tatacara hidup yg baik, aturan hidup yang baik
dan segala kebiasaan yang dianut dan diwariskan dari satu orang ke orang yang
lain atau dari satu generasi ke generasi yg lain.<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Pengertian Etika = Moralitas<o:p></o:p></span></b></div>
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<b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Moralitas</span></b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> berasal dari kata Latin <b>Mos</b> (jamak – <b>Mores</b>)
berarti adat istiadat atau kebiasaan. <o:p></o:p></span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Pengertian
harfiah dari etika dan moralitas, sama-sama berarti sistem nilai tentang
bagaimana manusia harus hidup baik sebagai manusia yang telah
diinstitusionalisasikan dalam sebuah adat kebiasaan yang kemudian terwujud
dalam pola perilaku yang ajek dan terulang dalam kurun waktu yang lama sebagaimana
laiknya sebuah kebiasaan.<o:p></o:p></span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Etika
sebagai filsafat moral tidak langsung memberi perintah konkret sebagai pegangan
siap pakai.<o:p></o:p></span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Etika dapat dirumuskan
sebagai refleksi kritis dan rasional mengenai <o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Nilai dan norma yang menyangkut bagaimana manusia harus hidup
baik sebagai manusia <o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Masalah kehidupan manusia dengan mendasarkan diri pada nilai
dan norma moral yang umum diterima<o:p></o:p></span></div>
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<br /></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Etika sebagai sebuah ilmu yang terutama menitikberatkan
refleksi kritis dan rasional, <o:p></o:p></span></div>
<div class="MsoNormal" style="margin: 0cm 0cm 0.0001pt 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Mempersoalkan apakah nilai dan norma moral tertentu memang
harus dilaksanakan dalam situasi konkret terutama</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">yang dihadapi
seseorang, atau <o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Etika mempersoalkan ap</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">a</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">kah suatu tindakan yang
kelihatan bertentangan dengan nilai dan norma moral tertentu harus dianggap
sebagai tindakan yang tidak etis dan karena itu dikutuk atau justru sebaliknya.<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">c.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Apakah dalam situasi konkret yang saya hadapi saya memang
harus bertindak sesuai dengan norma yang ada dalam masyarakatku atauka</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">h</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">
justru sebaliknya saya dapat dibenarkan untuk bertindak sebaliknya yang bahkan
melawan nilai dan norma moral tertentu.<o:p></o:p></span></div>
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<br /></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Etika
sebagai Ilmu menuntut orang untuk berperilaku moral secara kritis dan rasional.<o:p></o:p></span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dengan
menggunakan bahasa Nietzcshe, etika sebagai ilmu menghimbau orang untuk
memiliki moralitas tuan dan bukan moralitas hamba <o:p></o:p></span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dalam
bahasa Kant, etika berusaha menggugah kesadaran manusia untuk bertindak secara
otonom dan bukan secara heteronom. Etika bermaksud membantu manusia untuk
bertindak secara bebas tetapi dapat dipertanggungjawabkan.</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Tiga Norma Umum<o:p></o:p></span></b></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Norma </span><span style="background: white; font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-weight: bold; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;">à</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> memberi pedoman tentang bagaimana
kita harus hidup dan bertindak secara baik dan tepat, sekaligus menjadi dasar
bagi penilaian mengenai baik buruknya perilaku dan tindakan kita.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 0cm;">
<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Macam Norma :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Norma Khusus <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Norma Umum <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt;">
<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> - Norma Sopan
santun <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt;">
<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> - Norma Hukum <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 18pt;">
<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> - Norma Moral<o:p></o:p></span></div>
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<b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Norma-norma
Khusus</span></b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> adalah
aturan yang berlaku dalam bidang kegiatan atau kehidupan khusus, misalnya
aturan olah raga, aturan pendidikan dan lain-lain<o:p></o:p></span></div>
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<b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Norma-norma
Umum</span></b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> sebaliknya lebih bersifat umum dan
sampai pada tingkat tertentu boleh dikatakan bersifat universal.<o:p></o:p></span></div>
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<b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Norma
Sopan santun / Norma Etiket</span></b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> adalah norma yang mengatur pola perilaku dan sikap lahiriah d</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">a</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">lam pergaulan sehari-hari <o:p></o:p></span></div>
<div class="MsoNormal">
<b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Etika
tidak sama dengan Etiket</span></b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">. Etiket hanya menyangkut perilaku lahiriah yang menyangkut sopan santun
atau tata karma</span><span lang="EN-GB" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoNormal">
<b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Norma
Hukum</span></b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> adalah
norma yang dituntut keberlakuannya secara tegas oleh masyarakat karena dianggap
perlu dan niscaya demi keselamatan dan kesejahteraan manusia dalam kehidupan
bermasyarakat.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Norma hukum ini mencerminkan harapan, keinginan dan keyakinan seluruh
anggota masyarakat tersebut tentang bagaimana hidup bermasyarakat </span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">y</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">ang baik dan bagaimana masyarakat
tersebut harus diatur secara baik</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoNormal">
<b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Norma
Moral</span></b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">, yaitu
aturan mengenai sikap dan perilaku manusia sebagai manusia.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Norma moral ini menyangkut aturan tentang baik
buruknya, adil tidaknya tindakan dan perilaku manusia sejauh ia dilihat sebagai
manusia.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Ada beberapa ciri utama yang membedakan norma moral
dari norma umum lainnya ( kendati dalam kaitan dengan norma hukum ciri-ciri ini
bisa tumpang tindih) :<o:p></o:p></span></div>
<ol start="1" style="margin-top: 0cm;" type="a">
<li class="MsoNormal" style="mso-list: l0 level1 lfo5; tab-stops: list 36.0pt; text-align: justify;"><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Kaidah moral berkaitan dengan hal-hal yang mempunyai atau yang
dianggap mempunyai konsekuensi yang serius bagi kesejahteraan, kebaikan dan kehidupan
manusia, baik sebagai pribadi maupun sebagai kelompok.<o:p></o:p></span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo5; tab-stops: list 36.0pt; text-align: justify;"><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Norma moral tidak ditetapkan dan/atau diubah oleh keputusan penguasa
tertentu. Norma moral dan juga norma hukum merupakan ekspresi, cermin dan
harapan masyarakat mengenai apa yang baik dan apa yang buruk. Berbeda
dengan norma hukum, norma moral tidak dikodifikasikan, tidak ditetapkan
atau diubah oleh pemerintah. Ia lebih merupakan hukum tak tertulis dalam
hati setiap anggota masyarakat, yang karena itu mengikat semua anggota
dari dalam dirinya sendiri <o:p></o:p></span></li>
<li class="MsoNormal" style="mso-list: l0 level1 lfo5; tab-stops: list 36.0pt; text-align: justify;"><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Norma moral selalu menyangkut sebuah perasaan khusus tertentu, yang
oleh beberapa filsuf moral disebut sebagai perasaan moral (moral sense)</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></li>
</ol>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 18pt; text-indent: -18pt;">
<!--[if !supportLists]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Teori Etika</span></b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: -18pt;">
<!--[if !supportLists]--><b><i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-style: normal; font-weight: normal; line-height: normal;">
</span></span></i></b><!--[endif]--><b><i><span lang="EN-GB" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB;">Etika Teleologi </span></i></b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">dari kata
Yunani, </span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> </span><i><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">t</span></i><i><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">elos = tujuan, </span></i><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span lang="EN-GB" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;">Mengukur
baik buruknya suatu tindakan berdasarkan tujuan yang mau dicapai dengan
tindakan itu, atau berdasarkan akibat yang ditimbulkan oleh tindakan itu.</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<span lang="EN-GB" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;">Dua aliran
etika teleologi :</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54pt; text-indent: -18pt;">
<!--[if !supportLists]--><span lang="EN-GB" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">1)<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="EN-GB" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;">Egoisme Etis <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold; mso-fareast-font-family: Wingdings;">è<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Inti pandangan egoisme adalah bahwa
tindakan dari setiap orang pada dasarnya bertujuan untuk mengejar pribadi dan
memajukan dirinya sendiri.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold; mso-fareast-font-family: Wingdings;">è<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Satu-satunya tujuan tindakan moral
setiap orang adalah mengejar kepentingan pribadi dan memajuka</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">n</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> dirinya.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold; mso-fareast-font-family: Wingdings;">è<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Egoisme ini baru menjadi persoalan
serius ketika ia cenderung menjadi <i>hedonistis, </i>yaitu ketika kebahagiaan
dan kepentingan pribadi diterjemahkan semata-mata sebagai kenikmatan fisik yg
bersifat vulgar.<i> </i><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">2)<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="EN-GB" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> Utilitarianisme</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold; mso-fareast-font-family: Wingdings;">è<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">berasal dari
bahasa </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">l</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">atin </span><b><i><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">u</span></i></b><b><i><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">tilis </span></i></b><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">yang berarti “bermanfaat”.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold; mso-fareast-font-family: Wingdings;">è<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Menurut teori
ini suatu perbuatan adalah baik jika membawa manfaat, tapi manfaat itu harus
menyangkut bukan saja satu dua orang
melainkan masyarakat sebagai keseluruhan.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold; mso-fareast-font-family: Wingdings;">è<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Dalam rangka
pemikiran utilitari</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">ani</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">sme, kriteria untuk menentukan baik buruknya suatu
perbuatan adalah </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">“t</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">he </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">g</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">reatest happiness of the greatest number</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">”</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">, kebahagiaan
terbesar dari jumlah orang yang terbesar.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold; mso-fareast-font-family: Wingdings;">è<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Utilitari</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">ani</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">sme , teori
ini cocok sekali dengan pemikiran ekonomis, karena cukup dekat dengan Cost-</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">B</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">enefit
Analysis. Manfaat yang dimaksudkan utilitari</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">ani</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">sme bisa dihitung sama seperti
kita menghitung untung dan rugi atau kredit dan debet dalam konteks bisnis</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold; mso-fareast-font-family: Wingdings;">è<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Utilitari</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">ani</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">sme, dibedakan
menjadi dua macam </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">:</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 90pt; text-indent: -18pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Utilitari</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">ani</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">sme Perbuatan
(Act Utilitari</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">ani</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">sm)</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Utilitari</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">ani</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">sme Aturan
(Rule Utilitari</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">ani</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">sm)</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold; mso-fareast-font-family: Wingdings;">è<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Prinsip dasar
utilitari</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">ani</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">sme (</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">m</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">anfaat
terbesar bagi jumlah orang terbesar)
diterpakan pada perbuatan.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold; mso-fareast-font-family: Wingdings;">è<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Utilitari</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">ani</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">sme aturan
membatasi diri pada justifikasi aturan-aturan moral.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><b><i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-style: normal; font-weight: normal; line-height: normal;">
</span></span></i></b><!--[endif]--><b><i><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">Deontologi</span></i></b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Istilah
deontologi berasal dari kata Yunani ‘</span><b><i><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">d</span></i></b><b><i><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">eon</span></i></b><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">’ yang berarti kewajiban. </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">‘Mengapa
perbuatan ini baik dan perbuatan itu harus ditolak sebagai buruk’, deontologi
menjawab : ‘karena perbuatan pertama menjadi kewajiban kita dan karena perbuatan kedua dilarang’.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Yang menjadi
dasar baik buruknya perbuatan adalah kewajiban. </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Pendekatan
deontologi sudah diterima dalam konteks agama, sekarang merupakan juga salah
satu teori etika yang terpenting.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span lang="EN-GB" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> </span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Ada tiga
prinsip y</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">an</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">g h</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">a</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">r</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">u</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">s dipenuhi :</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">(1)<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">S</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">u</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">p</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">a</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">y</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">a</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"> tindakan
punya nilai moral, tindakan ini h</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">a</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">r</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">u</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">s dijalankan berdasarkan
kewajiban</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">(2)<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Nilai moral
dari tindakan ini t</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">i</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">d</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">a</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">k tergantung p</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">a</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">d</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">a</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"> tercapainya tujuan dari
tindakan itu melainkan tergantung p</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">a</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">d</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">a</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"> kemauan baik y</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">an</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">g mendorong
seseorang untuk melakukan tindakan itu, berarti kalaupun tujuan t</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">i</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">d</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">a</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">k tercapai,
tindakan itu sudah dinilai baik</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">(3)<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Sebagai
konsekuensi dari kedua prinsip ini, kewajiban adalah hal y</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">an</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">g niscaya dari
tindakan y</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">an</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">g dilakukan
berdasarkan sikap hormat p</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">a</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">d</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">a</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;"> hukum moral universal</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Bagi Kant, Hukum Moral ini
dianggapnya sebagai perintah tak bersyarat (imperatif kategoris), yang berarti
hukum moral ini berlaku bagi semua orang pada segala situasi dan tempat.<o:p></o:p></span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Peri</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">n</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">tah Bersyarat adalah perintah yang
dilaksanakan kalau orang menghendaki akibatnya, atau kalau akibat dari tindakan
itu merupakan hal yg diinginkan dan dikehendaki oleh orang tersebut.<o:p></o:p></span></div>
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<span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;">Perintah Tak Bersyarat adalah
perintah yang dilaksanakan begitu saja tanpa syarat apapun, yaitu tanpa
mengharapkan akibatnya, atau tanpa mempedulikan
apakah akibatnya tercapai dan berguna bagi orang tsb atau tidak.<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">c.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-style: normal; font-weight: normal; line-height: normal;">
</span></span></i></b><!--[endif]--><b><i><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">Teori Hak</span></i></b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Dalam
pemikiran moral dewasa ini barangkali teori hak ini adalah pendekatan yang
paling banyak dipakai untuk mengevaluasi
baik buruknya suatu perbuatan atau
perilaku.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Teori Hak
merupakan suatu aspek dari teori
deontologi, karena berkaitan dengan kewajiban. Hak dan kewajiban bagaikan dua
sisi uang logam yang sama.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Hak didasarkan
atas martabat manusia dan martabat semua manusia itu sama. Karena itu hak
sangat cocok dengan suasana pemikiran demokratis.</span><i><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span></i><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<b><i><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US;"><br clear="all" style="page-break-before: always;" />
</span></i></b>
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<!--[if !supportLists]--><b><i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">d.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-style: normal; font-weight: normal; line-height: normal;">
</span></span></i></b><!--[endif]--><b><i><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">Teori Keutamaan (Virtue)</span></i></b><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Memandang sikap atau akhlak seseorang.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Tidak
ditanyakan apakah suatu perbuatan tertentu adil, atau jujur, atau murah hati
dan sebagainya.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Keutamaan bisa
didefinisikan sebagai berikut :
disposisi watak yang telah
diperoleh seseorang dan
memungkinkan dia untuk bertingkah laku baik secara moral.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Contoh
keutamaan :</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l10 level1 lfo11; tab-stops: 21.3pt list 54.0pt; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Kebijaksanaan</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l10 level1 lfo11; tab-stops: 21.3pt list 54.0pt; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Keadilan</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l10 level1 lfo11; tab-stops: 21.3pt list 54.0pt; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">c.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Suka bekerja keras</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l10 level1 lfo11; tab-stops: 21.3pt list 54.0pt; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">d.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Hidup yang baik</span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt;">
<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Keutamaan yang harus menandai
pebisnis perorangan bisa disebut : <i>kejujuran, fairness, kepercayaan dan
keuletan.</i> Keempat keutamaan ini berkaitan erat satu sama lain dan
kadang-kadang malah ada tumpang tindih di antaranya.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt;">
<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Fairness : kesediaan untuk
memberikan apa yang wajar kepada semua orang dan dengan wajar dimaksudkan apa
yang bisa disetujui oleh semua pihak yang terlibat dalam suatu transaksi.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt;">
<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Keutamaan-keutamaan yang
dimilliki manajer dan karyawan sejauh mereka mewakili perusahaan, adalah : <i>Keramahan,
Loyalitas, Kehormatan dan Rasa malu.</i> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt;">
<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Keramahan merupakan inti kehidupan bisnis, keramahan itu hakiki untuk setiap hubungan antar
manusia, hubungan bisnis tidak terkecuali.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt;">
<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Loyalitas berarti bahwa
karyawan tidak bekerja semata-mata untuk mendapat gaji, tetapi mempunyai juga
komitmen yang tulus dengan perusahaan.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt;">
<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Kehormatan adalah keutamaan
yang membuat karyawan menjadi peka terhadap suka dan duka serta sukses dan
kegagalan perusahaan.</span><span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"> </span><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-bidi-font-weight: bold;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 18pt;">
<span lang="IN" style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-bidi-font-weight: bold;">Rasa malu membuat karyawan
solider dengan kesalahan perusahaan.</span></div>
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Sumber :</div>
</div>
<div class="MsoNormal">
<cite><span style="background: white; font-size: 12.0pt; font-style: normal; line-height: 115%;">ashur.staff.gunadarma.ac.id/.../<b>Teori</b>-<b>Teori</b>+<b>Etika</b>+<b>Bisnis</b>+-+Bab+Ia.ppt</span></cite><span style="background: white; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><o:p></o:p></span></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-90311351195980853992013-07-04T14:07:00.001+07:002013-07-05T14:27:06.162+07:00Ambon itu....<div style="text-align: justify;">
Perjanalan dinas kali membawa ku ke kota yang mendekati ujung timur Indonesia "Ambon". Kali ini bukan untuk menghadiri persidangan, tapi untuk sosialisasi PMK Bantuan Hukum dan Bantuan Biaya. Menjadi sebuah PIC suatu kegiatan sudah hal biasa pada tempat ku, apalagi di sub ku sampai aku memberikan julukan kepada bos ku "Menerima Segala Jenis Pekerjaan" dari pekerjaan teknis maupun non teknis yang seharusnya ada bagian memang yang mengerjakannya, tapi ya sudahlah terima aja berkahnya dengan bos yang mempunyai prinsip kita mampu untuk mengerjakannya, meskipun nanti ujung-ujungnya staff nya pada pontang-panting dalam pelaksanannya. Berkahnya ya bisa menentukan tujuan tempat yang diinginkan dan sebagai staffnya yang mengurusi sosialisasi ini dapat reward bisa milih tempat sosialisasinya. Akhirnya, Ambon lah yang dipilih, pertimbangannya karena untuk bisa kesini kesempatannya jarang sekali karena Ambon bukan wilayah perkara bagian ku. Hehehe... :D<br />
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Karena ini kerjaan Biro, jadi teman dinas dan ngebolangnya banyak ada 5 orang. Wakil dari bagian ku cuman aku sendiri, 4 orang lainnya dari Bagian I dan II. Meskipun sebelumnya tidak pernah dinas bareng mereka, ternyata mereka semua asyik-asyik dan intinya mau semua diajak buat jalan-jalan mengelilingi kota Ambon.<br />
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Berikut foto-foto nya, yang akan menjawab bahwa Ambon itu.... "Cantik"<br />
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Tim Sosialisasi PMK Bantuan Hukum di Ambon</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi9-VxsowqiHhmab1SXOAMJ0yNa2dddYwj6CaOItXPnnjbQdn4-Eq36o-n2jkqrXGAji5TZ24dLgCvpWc5WjiNV6R9hM7pvN7kd8JPQ5XYR6-sQ2nugkksS8nSwTcT9AL_NGlvcSM0-0Y/s1600/100_5488.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhi9-VxsowqiHhmab1SXOAMJ0yNa2dddYwj6CaOItXPnnjbQdn4-Eq36o-n2jkqrXGAji5TZ24dLgCvpWc5WjiNV6R9hM7pvN7kd8JPQ5XYR6-sQ2nugkksS8nSwTcT9AL_NGlvcSM0-0Y/s320/100_5488.JPG" width="320" /></a></div>
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Kiri-kanan : Mas rizal, Rita, Finna, Pak Irfan, Andi</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvrBXkzsCS_lE-LsZ3xCnxa3H_mnJwakvZS4UhzuyQTPWut7z6dhWFYpGF6XXmRo8IB44URGdMHX8xPRAoCvLejTViyXbuDhfeLymWqC3jzOwX0TUsQMOdNt-SfDNnn5HOVwnlky2bbwg/s1600/100_5489.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvrBXkzsCS_lE-LsZ3xCnxa3H_mnJwakvZS4UhzuyQTPWut7z6dhWFYpGF6XXmRo8IB44URGdMHX8xPRAoCvLejTViyXbuDhfeLymWqC3jzOwX0TUsQMOdNt-SfDNnn5HOVwnlky2bbwg/s320/100_5489.JPG" width="320" /></a></div>
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Lautan yang memisahkan bandara Ambon dan Kota nya</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM010LsxcdCfij-n0-ac0Tf53Cf83AC1QGWY_e2Qh-sFY31NNaWoOdEBEpXziTaJx0LDy00nRitnq2cUOQ7e8HXijDGC0YgSXxgT81QRI2XkJgUOYUK0N7lMQbz3913fnKlhKFSunXtgs/s1600/100_5464.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM010LsxcdCfij-n0-ac0Tf53Cf83AC1QGWY_e2Qh-sFY31NNaWoOdEBEpXziTaJx0LDy00nRitnq2cUOQ7e8HXijDGC0YgSXxgT81QRI2XkJgUOYUK0N7lMQbz3913fnKlhKFSunXtgs/s320/100_5464.JPG" width="320" /></a></div>
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Rencana Pembangunan Jembatan yang akan menghubungkan teluk Ambon</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiveqFdMtFF95atQkIwiDIri6hSKudzP7VRc9I7bSv12j6T92VK_P4ou_g5bX8cJGXFTzNTXbXMZl_O_hOac2GIaYQi69bE7_0msi6tPX7ciUcxPya0trwxH0jJT5ZCyLKdYY8VZdM4Ib8/s1600/100_5465.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiveqFdMtFF95atQkIwiDIri6hSKudzP7VRc9I7bSv12j6T92VK_P4ou_g5bX8cJGXFTzNTXbXMZl_O_hOac2GIaYQi69bE7_0msi6tPX7ciUcxPya0trwxH0jJT5ZCyLKdYY8VZdM4Ib8/s320/100_5465.JPG" width="320" /></a></div>
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Kapal Feri yang mengangkut ke kota Ambon</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_kjWCdZHJCAFkZ6n4ZsMfvb49pefK-BP5TABWZn4s9nmD0zpSXyarCg5R0NJZ6xytMpuvmW3GqgdckV4m2xpJSfQ-_4yU9JHK9yrh5su_Ov4ditjPPaf8Mi1pVbYEtwjJ_HnHiXmndXU/s1600/100_5475.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_kjWCdZHJCAFkZ6n4ZsMfvb49pefK-BP5TABWZn4s9nmD0zpSXyarCg5R0NJZ6xytMpuvmW3GqgdckV4m2xpJSfQ-_4yU9JHK9yrh5su_Ov4ditjPPaf8Mi1pVbYEtwjJ_HnHiXmndXU/s320/100_5475.JPG" width="320" /></a></div>
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Sunset dari Jendela Kamar Hotel</div>
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Yuk mari..., laksanakan tugas negara terlebih dahulu... :)</div>
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Waktunya Jalan-jalan... "Pantai Netsepa Ambon"</div>
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Pantai Liang Ambon, ini pantai bagus bangettt...</div>
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Air tawar tempat hidup ikan air laut, ikan air tawar, dan belut raksasa </div>
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Salah satu belut raksasa bersama pawang pemanggilnya</div>
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Maaf..., karena saya ga suka binatang yang licin-licin, megang belut raksasanya diwakilkan sama mas rizal aja yach... :D</div>
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Pose bersama pawang yang menjaga tempat hidup para ikan-ikan disana</div>
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Cuman numpang foto aja :D</div>
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Pesona Kecantikan Pantai Natsepa</div>
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Rujak Buah di Pantai Natsepa</div>
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Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-46558697937742657242013-07-03T15:34:00.002+07:002013-07-03T16:25:05.044+07:00Cerita dari Raha-Kendari<div style="text-align: justify;">
Untuk kesekian kalinya dinas plus ngebolang bersama sahabat satu ini. Kali ini, Raha menjadi tujuan tempat dinas kami. Saya yakin tidak banyak orang mengenal tempat yang bernama Raha itu, sampai ada teman kampus bertanya "Raha itu apa ya mb?" :D. Pertanyaan sama yang muncul ketika mendengar nama ini. </div>
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Untuk sampai ke Raha membutuhkan waktu 4 hari perjalanan dinas (biasanya kalau dinas cuman 3 hari). Dari Kendari, harus melanjutkan kembali perjalanan besok paginya dengan kapal komersial selama 3 jam perjalanan laut. Ada teman kantor jg yang lama tinggal di kendari bahkan dapat jodoh orang kendari pun ternyata tidak pernah sampai ke Raha. Kapal menuju ke Raha dari Kendari ini cuman ada pagi dan sore hari, untuk menghindari ombak yang besar kami memilih perjalanan di pagi hari. Pada waktu pergi, kami hanya menghabiskan waktu di dalam kapal males untuk keluar, walaupun sebenernya saya sangat penasaran ingin melihat keluar. Tapi, rasa penasaran itu akhirnya terbayar ketika pulang dari Raha menuju Kendarinya, modal nekat kami memberanikan diri untuk ke atas dek kapal dan menikmati alam lautan lepas Raha. Sensasinya.... Sungguh luar biasa, terpaan angin laut yang bener-bener kuat, sampai merasakan kencangnya ombak menggoyangkan kapal yang kami naiki. Kalo mau disamakan mungkin seperti naik Tornado di Dufan kali yach... :D</div>
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Foto-foto yang sempat diabadikan selama di Raha-Kendari</div>
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Tiba di bandara Haluoleo Kendari</div>
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Menjalankan tugas negara</div>
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Pelabuhan di Raha</div>
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Teman Ngebolang "Nely"</div>
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Di atas dek Kapal</div>
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Tanaman yang Tumbuh di Tengah Lautan</div>
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Pekampungan di tengah lautan Raha</div>
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Pesona lautan Raha</div>
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Teluk Pemisah</div>
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Bersama sahabat kecil "Bertha"</div>
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Bukit-bukit yang mengelilingi lautan Raha</div>
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Petualangan ketika dinas disini tidak berhenti sampai di Raha saja, ketika menunggu waktu penerbangan yang akan membawa kembali ke Jakarta kami menyempatkan untuk mengeksplore kota kendari. Berbekal dengan searching di google ternyata Kendari punya objek wisata alam yang patut di kunjungi. Orang-orang Kendari menyebutnya dengan Air Jatuh (Terjun) Moramo. Untuk sampai disana butuh waktu 1,5 jam perjalanana darat.Air terjunnya Subhanaallah.... Kalo kata nely temen saya ini dia bilang "Bagus banget ya mb, ga nyesel kita nekat kesini" (ada cerita seru juga ketika dinas di Raha-Kendari).</div>
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Jalur Awal Perjalanan Ke Air Terjun Moramo</div>
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Aliran Sungai</div>
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Hutan Lindung yang mengelilingi Air Terjun Moramo</div>
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Perjalanan Yang Mulai Mendaki</div>
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Pose setelah melalui setengah perjalanan sebelum sampai ditujuan</div>
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Anak Tangga Terakhir yang harus dilalui dengan kemiringan 60derajat</div>
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Finally.... Air Jatuh (Terjun) Moramo</div>
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Oh yach, di atas sempat disinggung ada cerita seru selama di Raha-Kendari, yaitu : waktu menghadiri sidang di Pengadilan Negeri Raha kami memprediksikan selesainya paling telat jam 13.00 karena kami harus kembali lagi ke Kendari menggunakan kapal jam 14.00, tapi ternyata sidang baru dimulai jam 13.20 dan selesai jam 14.00. Waktu itu bener-bener deg-degkan karena kalau tidak keburu mengejar kapal terakhir yang berangkat ke Kendari itu artinya kami baru bisa pulang besok pagi dan ini akan merusak rencana yang sudah disusun. Berada di Raha ini seperti kata nely "harus banyak-banyak berdoa" karena transportasinya untuk keluar sangat tergantung dengan cuaca alam. Jika turun hujan maka kapal akan dibatalkan ke berangkatannya. Kembali ke acara persidangan yang mepet ini, kami harus deg-degkan terus melihat ke jam dinding khawatir ketinggalan kapal, alhamdulillah setelah persidangan ditutup kami langsung menuju pelabuhan untungnya kapal yang akan kami naiki belum tiba dan cuaca sore itu cukup bersahabat meskipun awan mendung dan angin kencang menemani selama perjalanan dari Raha menuju Kendari.</div>
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Cerita seru kedua ketika menuju air terjun Moramo, berbekal informasi dari seorang sahabat yang ditugaskan ke Kendari kami nekat untuk tetap menuju kesana. Walaupun beberapa penduduk setempat bilang untuk bisa sampai kesana dibutuhkan waktu 2,5 jam bukan 1,5 jam (info dari teman saya), dan itu pun kami baru berangkat dari kota Kendari jam 9.45, sementara pesawat yang akan membawa kembali ke Jakarta jam 15.15. Saya bilang ke teman saya ini yang agak ragu dengan sisa waktu yang kami punya. "Ayo nel, kita nekat aja. Insya Allah cukup kok waktunya :)". Dan benar saja, sampai di Air terjun Moramo pukul 11.15 terus perjalanan kaki selama 20 menit untuk sampai di air terjunnya. Main airnya hampir 1 jam, dan sampai di bandara mepet banget jam 14.30 :D. Deg-degkan, seru, dan kembali menjadi perjalanan yang tidak terlupakan.</div>
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Maka, nikmat Tuhan mana lagi kah yang kamu dustakan...</div>
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Kisah selanjutnya, from Ambon Manise... :)</div>
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Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-41566034047913754672013-07-03T13:18:00.000+07:002013-07-03T15:37:51.592+07:00My Lovely PI<div style="text-align: justify;">
Semester 6 akan segera berakhir, perjuangan di semester ini lumayan menguras tenaga. Karena di semester ini, Penulisan Ilmiah (PI) dimulai sesuai dengan jadwal yang telah diberikan oleh kampus, untuk memulai menulis PI ini rasanya malaassss nya minta ampun. Padahal PI ini merupakan salah satu syarat biar bisa skripsi, jd kalau tidak lulus PI maka tidak akan bisa skripsi :(</div>
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Waktu yang diberikan untuk bimbingan cuman 8x pertemuan, singkat banget. Proses untuk mencari tema dan judul ini sebenarnya sudah lama didapat, awalnya karena tertarik banget masalah anggaran dan semakin tertarik ketika habis ikut diklat tentang anggaran berbasis kinerja. Yo wes lah, akhirnya mantap lah mengambil penulisan tentang anggaran ini dengan judul<b> "Anggaran Berbasis Kinerja dan Pengaruhnya Terhadap Akuntabilitas Kinerja Pada Biro Bantuan Hukum Sekretariat Jenderal Kementerian Keuangan". </b>Objek sengaja ambil di kantor sendiri biar gampang untuk ambil data terkait penulisan ini.</div>
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Minggu pertama bimbingan semangat banget, apalagi ketika judul yang diajukan langsung disetujui sama Dosen Pembimbing (DP) dan hanya revisi sedikit dan langsung disuruh untuk melanjutkan ke Bab IV. Wah..., itu sesuatu rasanya ketika baru minggu pertama disuruh lanjut karena secara bahan dan semuanya sudah hampir selesai semua. Dengan semangat 45 minggu 4 selesai lah itu bab IV dan berharap tidak banyak yang direvisi langsung di ACC DP. Tapi, terkadang harapan tidak sesuai dengan kenyataan. Ketika bab IV dikirim ke DP via email dan mendapatkan jawaban langsung ketika bimbingan berikutnya, DP saya berbicara <b>"Kamu kalo bikin PI jangan bikin seperti laporan koran"</b>. Whaaatt??? Kaget luar biasa ketika DP bilang seperti itu, sudah capek luar biasa, PI nya dibilangin seperti "Laporan Koran", tragis banget yak :'(.</div>
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Waktu dosen ngomong seperti itu, pengen nangis ditempat tapi langsung mengatur hati biar ga nangis di depan tuh dosen karena mikir, kenapa beliau sampe ngomong seperti itu pasti ada alasannya. Ternyata, setelah ditanya mau nya tuh dosen baru tau alasannya. Dan ternyata sodara-sodara, DP saya minta saya memakai data primer (awalnya saya pake data sekunder) dengan menyebarkan kuesioner dan memakai alat olahan data dengan <b>SPSS</b>. Oh my God, satu hal yang waktu itu sangat saya takuti kalau harus pake SPSS. Alasan utamnya ya karena saya tidak (belum) bisa menggunakan SPSS tersebut :D. Hahahaha..., kalo inget perjuangan untuk bisa SPSS ini bener-bener deh. Secara mencari-cari orang untuk bisa ngajarin ini jg susah, karena tidak semua orang bisa hanya orang-orang yang mengerti dan berkecimpung di dunia statistik yang mengerti aplikasi ini.</div>
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Pencarian target korban untuk dimintai tolong ngajarin SPSS ini dimulai, dari suami yang disuruh ikutan belajar secara otodidak di internet pun diminta tolong, tapi karena beliau orang hukum ya tetep aja ga mudeng sama statistik ini. Hehehe.... :D, tapi saya salut deh sama abinya anak-anak ini, meskipun akhirnya dia tetep ga ngerti SPSS beliau mau belajar dan mendownloadkan semua programnya di notebook yang selalu setia menemani buat PI ini. Alhasil SPSS 17.0 terpampang manis di notebooknya. Thanks ya my lovely...</div>
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Target selanjutnya, temen kantor yang lg nyusun skripsi jg anak akuntansi UI, tapi sayang beliau jg tidak (belum) bisa menggunakan SPSS ini. Pencarian target buat ngajarin ini bikin stress, karena waktu tenggat bimbingan sudah mau selesai, sementara PI nya jadi mandek di Bab IV pengolahan data SPSSnya.</div>
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Sebenernya ada satu orang yang sangat ahli SPSS ini, orang tersebut adalah dosen statistik waktu tahun kedua perkuliahan, sempat beberapa kali menghubungi beliau minta tolong untuk mengajarkan SPSS ini tapi tidak pernah mendapatkan jawaban yang membahagiakan. Sempet kecewa, karena inget banget waktu diajar sama beliau pernah sempat ngomong <b>"kalau perlu bantuan statistik hubungi saya saja"</b>. Tapi ternyata ketika menghubungi beliau tidak (belum) mendapatkan jawaban seperti yang dijanjikan. Waktu itu, sudah (hampir) putus asa, tapi berpikir positif mungkin bapaknya memang lagi sibuk jadi tidak bisa mengajari. Saat-saat bingung dan tidak tahu lagi siapa yang akan jadi korban untuk mengajari SPPS, tiba-tiba tepat seminggu sebelum UTS dapet sms dari dosen statistik yang mengabarkan beliau bersedia untuk meluangkan waktu mengajari SPSS. Ketika dapat sms ini, rasanya seneng banget karena kembali menemukan titik terang untuk PI ini. Dengan berbekal 2x pertemuan belajar SPSS dengan dosen ini akhirnya semua olahan datanya selesai juga. Dan, ternyata SPSS itu mudah banget. #nyombong karena udah ngerti cara pake SPSS nya :D. Makasih banyak ya pak, atas ilmu statistik dan pelajaran SPSS nya ;)</div>
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Membutuhkan waktu 2 minggu untuk merampungkan semua PI ini dari awal sampai akhir, alhamdulillah ketika menghadap ke DP kembali untuk memberikan hasil PI nya langsung di ACC dan bisa daftar sidang ikut sidang ujian gelombang pertama (21 Juni 2013).</div>
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PI ini benar-benar menguras waktu dan pikiran, disaat dikejar deadline penyelesaiannya harus juga menghadapi UTS plus acara kantor yang kebetulan jadi panitia. Alhasil, sempat sakit dan kehilangan suara selama 1 minggu karena kecapean luar biasa. Tapi, alhamdulillah semua dapat dilalui dengan baik meskipun ada yg terkorbankan sedikit seperti nilai UTS yang sebenarnya masih baik tapi tidak seperti semester-semester sebelum. It's ok, ada skala prioritas yang harus dilakukan, yang penting acara kantor berjalan sukses dengan rekan-rekan kerja yang hebat dan PI lulus dengan nilai sempurna "A". Alhamdulillah Ya Robb atas semua kebaikan dan kemudahan yang telah Engkau berikan kepada hamba Mu ini.</div>
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PI sudah selesai dan diberikan izin untuk melanjutkan menjadi skripsi itu berarti 80% skripsi saya sudah selesai, tinggal berjuang menyelesaikan 2 semester ini dengan baik. Semoga selalu diberikan kemudahan untuk segala urusan ini ya Robb...</div>
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<br />Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-39617750041086527382013-05-10T08:14:00.001+07:002013-05-10T08:14:39.136+07:00Jurnal 2 KLKPJudul : Analisis Perbandingan Kinerja Keuangan Bank Syariah Menggunakan Pendekatan Laba Rugi dan Nilai Tambah (Studi Kasus pada Bank Syari'ah Mandiri)<br />
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Penulis : Muhammad Wahyudi Mahaiswa program Studi Pendidikan Ekonomi Akuntansi Jurusan Ekonomi Fakultas Ilmu Sosial Universitas Negeri Semarang<br />
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Tema : Kinerja Keuangan<br />
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<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Konsep Operasional Bank <i>Syari’ah</i></span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Bank <i>Syari’ah </i>dalam UU No 10
Tahun1998 tentang Perbankan Pasal 1 tidak didefinisikan secara rinci. Namun
dapat ditarik pengertian bahwa bank <i>syari’ah </i>adalah bank umum atau bank
perkreditan rakyat yang melaksanakan
kegiatan usaha berdasarkan Prinsip <i>Syari’ah </i>yang dalam
kegiatannya memberikan jasa dalam lalu lintas pembayaran.<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Aktivitas
perbankan <i>syari’ah </i>dapat dipandang sebagai wahana bagi masyarakat modern
untuk membawa mereka kepada, paling tidak, pelaksanaan dua ajaran Qur’an yaitu;
1 (satu), prinsip <i>ta’awun</i>, yaitu saling membantu dan saling berkerjasama
diantara anggota masyarakat untuk kebaikan (QS 5:2), 2 (dua) prinsip
menghindari <i>al ikhtina, </i>yaitu menahan uang (dana) dan membiarkannya
mengannggur (<i>idle</i>) dan tidak berputar dalam transaksi yang bermanfaat
bagi masyarakat umum (QS 4:29).<o:p></o:p></span></div>
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<b><span style="font-family: "Times New Roman","serif"; font-size: 11.5pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Standar
Akuntansi Perbankan <i>Syari’ah</i></span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Akuntansi
bank <i>syari’ah </i>adalah akuntansi yang berhubungan dengan aspek-aspek
lingkungannya. Karena <i>syari’ah </i>adalah mencakup seluruh aspek kehidupan
umat manusia, baik ekonomi, politik, sosial dan filsafat moral. Dengan kata
lain, <i>syari’ah </i>berhubungan dengan seluruh aspek kehidupan manusia,
termasuk didalamnya adalah akuntansi.<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";"> PSAK
No. 59 ini kemudian dijabarkan dalam PAPSI (Pedoman Akuntansi Perbankan <i>Syari’ah
</i>Indonesia) 2003, yang berperan mengatur secara teknis dan rinci penjabaran
PSAK 59. Tujuan akuntansi keuangan bank <i>syari’ah </i>salah satunya adalah
dapat meningkatkan kepatuhan kepada prinsip <i>syari’ah </i>dalam semua
transaksi dan kegiatan usaha.<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Kebutuhan
informasi seputar kinerja keuangan syariah merupakan tuntutan dari persaingan
yang semakin ketat, seirirng pemberlakuan UU No 10 Tahun 1998 sebagai dasar
hukum dari beroperasinya lembaga perbankan syari’ah.<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Penggunaan laporan rugi laba menyebabkan hasil analisis
belum menunjukkan hasil yang tepat karena laporan laba rugi merupakan laporan
yang lebih memperhatikan <i>direct
stakeholders </i>(pemilik modal), berupa pencapaian profit yang maksimal,
dengan mengesampingkan kepentingan dari pihak lain (karyawan, masyarakat,
sosial dan pemerintah).<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Laporan nilai tambah merupakan laporan keuangan yang lebih
menekankan prinsip <i>full disclosure </i>dan
didorong akan kesadaran moral dan etika. Adanya laporan nilai tambah telah
merubah <i>mainstream </i>tujuan akuntansi
dari <i>decision making </i>bergeser kepada
pertanggungjawaban sosial.<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Penelitian menggunakan metode deskriptif komparatif, yakni
dengan mendeskripsikan hasil temuan berupa kinerja keuangan PT.BSM tahun 2003
dan 2004 yang menggunakan prndekanan laba rugi dan nilai tambah, dan
dilanjutkan dengan melakukan komparasi terhadap hasil temuan untuk mendapatkan
pemahaman yang memadai tentang hasil temuan. Sumber data penelitian tersebut
adalah laporan keuangan PT.BSM tahun 2003 dan 2004 dan literature terkait.<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Hasil penelititan menunjukkan bahwa dengan menggunakan
pendekatan nilai tambah, rasio kinerja keuangan PT.BSM tahun 2003 dan 2004
lebih besar dibanding dengan pendekatan laba rugi. Perbedaan rasio kinerja
keuangan ini desebabkan adanya perbedaan konsep teoritis filosofis dari
akuntansi yang digunakan, yang menyebabkan perbedaaan konstruksi penyajian dan
pengungkapan laporan keuangan yang berkaitan dengan laba atau nilai tambah <o:p></o:p></span></div>
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<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Profil PT.Bank Syari’ah Mandiri
(BSM).</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Atas perubahan Undang-undang No.7 Tahun 1992 yang melahirkan
UU No.10 Tahun 1998 menyebabkan pengaruh besar terhadap dunia perbankan. Banyak
perusahaan perbankan mulai melakukan langkah-langkah menuju merger sampai pada
akhirnya memilih menjadi bank syariah dengan suntikan modal dari pemilik.<o:p></o:p></span></div>
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<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Kinerja Keuangan PT.BSM</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Melalui
setrategi “ <i>Agresive Maintenance Strategic</i>” dalam meningkatkan volume
bisnis, sepanjang Tahunke-empat berdirinya, BSM terus melakukan perburuan
nasabah baru melalui penyediaan beragam produk dan layanan, sosialisasi
proaktif, promosi terarah, kegiatan pemasaran serta pelayanan yang lebih prima.
Seiring dengan itu dilakukan pula pembenahan kualitas sumber daya organisasi.<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">sumberdaya organisasi (sumberdaya
insani, sistem dan prosedur kerja serta struktur organisasi).<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-autospace: none;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Kinerja Keuangan PT. BSM Tahun 2003 dengan Pendekatan Nilai
Tambah</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 1.0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">adanya
penambahan laporan Nilai Tambah dalam laporan keuangan bank <i>syari’ah </i>adalah,
merupakan upaya untuk mengalihkan laporan keuangan yang semula lebih bersifat <i>direct
stakeholders</i>, kepada <i>direct </i>dan <i>indirect stakeholders</i>. Serta
adanya upaya untuk menggeser tujuan laporan keuangan bank <i>syari’ah </i>yang
semula berupa penyediaan informasi keuangan untuk kepentingan pengambilan
keputusan ekonomi dan penyediaan informasi tentang kepatuhan terhadap prinsip <i>syari’ah.</i><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Kinerja Keuangan PT. BSM dengan Pendekatan Laba Rugi Tahun
2004</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 0.0001pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 1.0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Komisi
Fatwa Dewan <i>Syari’ah </i>Nasional Majelis Ulama Indonesia (DSN-MUI), pada
Desember 2003. Mengemukakan fatwa tentang keharaman bunga bank itu, telah
memberikan kepastian sekaligus paying hukum dari sisi <i>syari’ah </i>kepada
nasabah dan calon nasabah bank <i>syari’ah</i>. Hal ini memberikan sinyal kuat
bahwa masa darurat, bagi diterimanya konsep bunga bank dalam <i>syari’ah </i>Islam,
telah berakhir.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: 1.0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";"><a href="http://anhyfreedom.blogspot.com/2013/01/bank-dan-lembaga-keuangan-lainnya.html">http://anhyfreedom.blogspot.com/2013/01/bank-dan-lembaga-keuangan-lainnya.html</a><o:p></o:p></span></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-78132157644066371222013-05-10T08:00:00.001+07:002013-05-10T08:10:28.907+07:00Jurnal 1 KLKPJudul : Fenomena Ekonomi Syari'ah Menuntut Akuntan Memahami Prinsip-Prinsip Akuntansi Syariah<br />
<div>
Penulis : 1. Edi Jaenudin (Department of Accounting, Padjadjaran University)</div>
<div>
2. Nur Hidayat (PAAP, Padjadjaran University)</div>
<div>
Tema : Prinsip-prinsip akuntansi Syariah</div>
<div>
<br /></div>
<div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Dewasa ini perkembangan perbankan syari’ah harus dapat
diimbangi dengan perkembangan berbagai fasilitas pendukung agar praktik ekonomi
syari’ah tetap dapat eksis dan tidak mengalami berbagai kesulitan karena
lemahnya perangkat pendukungnya. Akuntansi merupakan perangkat pendukung yang
sangat menentukan suksesnya praktik ekonomi syari’ah secara nyata.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Maraknya perkembangan ekonomi Islam (ekonomi syari’ah)
menuntut adanya suatu system akuntansi yang sesuai dengan prinsip-prinsip
ekonomi syari’ah, karena syariah berfungsi sebagai sebuah referensi etik yang
menuntut penilaian dan pemilihan praktik akuntansi .<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Prinsip-prinsip ssyari’ah bersumber dari Al-Qur’an, Hadits,
dan Fiqh. Sumber-sumber tersebut digunakan secara runut tidak boleh saling
mendahului satu dengan yang lainnya, agar kehadirat Tuhan dalam setiap sisi
kehidupan manusia adalah suatu prioritas. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Berlandaskan dari beberapa pernyataan Allah dalam Al-Qur’an,
para ahli ekonomi Islam (syari’ah) mencoba merumuskan prinsip-prinsip ekonomi
syari’ah. Merujuk dari investigasi yang dilakukan oleh Syahtah (2001) kaidah
akuntansi yang terpenting berdasarkan hasil <i>istimbath</i>
dari sumber-sumber hukum Islam (syari’ah) adalah:<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; text-indent: -18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: Arial;">1.</span><span style="font-family: "Times New Roman","serif"; font-size: 7.0pt; line-height: 200%; mso-fareast-font-family: Arial;"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Independensi jaminan keuangan,<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">perusahaan harus mempunyai sifat
yang jelas dan terpisah dari pemilik perusahaan.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; text-indent: -18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: Arial;">2.</span><span style="font-family: "Times New Roman","serif"; font-size: 7.0pt; line-height: 200%; mso-fareast-font-family: Arial;"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Kesinambungan aktivitas.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Kaidah ini memandang bahwa akyivitas
suatu perusahaan itu mesti berkesinambungan.<o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-indent: -18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: Arial;">3.</span><span style="font-family: "Times New Roman","serif"; font-size: 7.0pt; line-height: 200%; mso-fareast-font-family: Arial;"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Hauliyah
(pentahunan/penetapan periode)<o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-indent: -18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: Arial;">4.</span><span style="font-family: "Times New Roman","serif"; font-size: 7.0pt; line-height: 200%; mso-fareast-font-family: Arial;"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Pembukuan
langsung dan lengkap secara detail<o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-indent: -18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: Arial;">5.</span><span style="font-family: "Times New Roman","serif"; font-size: 7.0pt; line-height: 200%; mso-fareast-font-family: Arial;"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Pembukuan
disertai dengan penjelasan atau penyaksian objek.<o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-indent: -18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: Arial;">6.</span><span style="font-family: "Times New Roman","serif"; font-size: 7.0pt; line-height: 200%; mso-fareast-font-family: Arial;"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Pertambahan
laba dalam produksi, serta keberadaannya dalam perdagangan.<o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-indent: -18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: Arial;">7.</span><span style="font-family: "Times New Roman","serif"; font-size: 7.0pt; line-height: 200%; mso-fareast-font-family: Arial;"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Penilaian
uang berdasarkan emas dan perak.<o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-indent: -18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: Arial;">8.</span><span style="font-family: "Times New Roman","serif"; font-size: 7.0pt; line-height: 200%; mso-fareast-font-family: Arial;"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Prinsip
penilaian harga berdasarkan nilai tukar yang sedang berlaku.<o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-indent: -18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: Arial;">9.</span><span style="font-family: "Times New Roman","serif"; font-size: 7.0pt; line-height: 200%; mso-fareast-font-family: Arial;"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Prinsip
perbandingan dalam menentukan harga.<o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-indent: -18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: Arial;">1.</span><span style="font-family: "Times New Roman","serif"; font-size: 7.0pt; line-height: 200%; mso-fareast-font-family: Arial;"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Prinsip <i>muwa’amah </i>(keserasian) antara pernyataan dan kemaslahatan.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; text-indent: 18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 200%; mso-fareast-font-family: "Times New Roman";">Prinsip-prinsip
akuntansi syari’ah tersebut menjadi tuntutan yang sangat urgen untuk diketahui
oleh akuntan, terutama bagi akuntan yang mengaudit lembaga-lembaga keuangan
syai’ah, karena jika akuntan belum atau tidak memahami prinsip-prinsip
akuntansi syari’ah opininya yang terkait dengan praktik lembaga-lembaga ekonomi
syari’ah dikhawatirkan dapat menyimpang dan menyesatkan sehingga melanggar
prinsip-prinsip akuntansi <i>substantive
over form</i>, karena akuntan hanya bekerja dengan standar tetapi mengabaikan
prinsip–prinsip yang syarat dengaan nilai-nilai.<o:p></o:p></span></div>
<span style="font-family: "Times New Roman","serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US;"><br clear="all" style="mso-special-character: line-break; page-break-before: always;" /></span></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-68875045253085870742013-05-10T07:47:00.002+07:002013-05-10T07:47:17.952+07:00KLKP PERTEMUAN 4<br />
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 36.0pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Dalam
dunia perbankan dan akuntansi, tentunya kita sudah tidak asing lagi dengan
istilah Asset dan liabilities. Perlu diketahui, bahwa Asset akan bertambah di
sisi debet dan akan berkurang di sisi kredit. Sebaliknya pada liabilities, yang
akan berkurang di sisi debet dan bertambah di sisi kredit. Berikut ini
pembagian yang terdapat di Asset dan di Liabilities :<o:p></o:p></span></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; margin-left: 40.85pt; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 190.2pt;" valign="top" width="254">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Asset
(aktiva)<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 206.7pt;" valign="top" width="276">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Liabilities
(passiva)<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 190.2pt;" valign="top" width="254">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l5 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Cash Reverse, setiap
bank umum yang ada di Indonesia menurut peraturan LRR (Legal Reserve Requirement)
harus mempunyai tabungan minimal 8% dari total deposito<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 206.7pt;" valign="top" width="276">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l5 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Deposit I, yang
terdiri dari saving deposit (tabungan), demand (giro), dan time (deposito)</span><span lang="IN" style="font-family: Wingdings; font-size: 12.0pt; line-height: 150%; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;">à</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">membayar
bunga bagi yang menyimpan uang di bank (i1)<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 190.2pt;" valign="top" width="254">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l5 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Loan/Kredit, adapun
rumus untuk mencari batasan kredit yang dapat diterima oleh masyarakat yaitu
=<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<!--[if gte msEquation 12]><m:oMath><m:f><m:fPr><span
style='font-size:12.0pt;mso-ansi-font-size:12.0pt;mso-bidi-font-size:12.0pt;
font-family:"Cambria Math","serif";mso-ascii-font-family:"Cambria Math";
mso-hansi-font-family:"Times New Roman";mso-bidi-font-family:"Times New Roman";
font-style:italic;mso-bidi-font-style:normal'><m:ctrlPr></m:ctrlPr></span></m:fPr><m:num><i
style='mso-bidi-font-style:normal'><span lang=IN style='font-size:12.0pt;
line-height:150%;font-family:"Cambria Math","serif";mso-bidi-font-family:
"Times New Roman"'><m:r>Loan</m:r></span></i></m:num><m:den><i
style='mso-bidi-font-style:normal'><span lang=IN style='font-size:12.0pt;
line-height:150%;font-family:"Cambria Math","serif";mso-bidi-font-family:
"Times New Roman"'><m:r>Deposito</m:r></span></i><i style='mso-bidi-font-style:
normal'><span lang=IN style='font-size:12.0pt;line-height:150%;font-family:
"Cambria Math","serif";mso-hansi-font-family:"Times New Roman";mso-bidi-font-family:
"Times New Roman"'><m:r> </m:r></span></i></m:den></m:f></m:oMath><![endif]--><!--[if !msEquation]--><span style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin; mso-text-raise: -10.5pt; position: relative; top: 10.5pt;"><!--[if gte vml 1]><v:shapetype
id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t"
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<v:f eqn="if lineDrawn pixelLineWidth 0"/>
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<o:lock v:ext="edit" aspectratio="t"/>
</v:shapetype><v:shape id="_x0000_i1025" type="#_x0000_t75" style='width:39pt;
height:24pt'>
<v:imagedata src="file:///C:\DOCUME~1\kemenkeu\LOCALS~1\Temp\msohtmlclip1\01\clip_image001.png"
o:title="" chromakey="white"/>
</v:shape><![endif]--><!--[if !vml]--><img height="32" src="file:///C:/DOCUME~1/kemenkeu/LOCALS~1/Temp/msohtmlclip1/01/clip_image002.gif" v:shapes="_x0000_i1025" width="52" /><!--[endif]--></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"> x 100%<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Dengan
kredit maksimal yang diperoleh oleh masyarakat yaitu sebesar 110%.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">LLL(Legal
Lending Limit) merupakan batas waktu pembayaranbagi pihak yang meminjam dari
bank untuk dikembalikan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l6 level1 lfo3; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mendapatkan bunga
berupa i2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 206.7pt;" valign="top" width="276">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Securities (berupa
obligasi)<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 190.2pt;" valign="top" width="254">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Securities (berupa
saham dan obligasi)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 206.7pt;" valign="top" width="276">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Capital I (modal),
atau lebih sering disebut dengan pihak 1,
yang dapat berupa laba ditahan, stock deviden, dan setoran modal<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 190.2pt;" valign="top" width="254">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Other Asset<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 206.7pt;" valign="top" width="276">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">CAR (setiap bank
harus punya simpanan, total seluruh risiko dari Asset)</span><span lang="IN" style="font-family: Wingdings; font-size: 12.0pt; line-height: 150%; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;">à</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Capital
Adequery ratio =<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">(ATMR : modal) x 100%
= nilainya minimal 20%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">contoh kasus :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: 72.0pt; mso-add-space: auto; mso-list: l7 level2 lfo2; tab-stops: list 72.0pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Deposit sebesar Rp.100
juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto; mso-list: l7 level2 lfo2; tab-stops: list 72.0pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Capital sebesar Rp. 10
juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto; mso-list: l7 level2 lfo2; tab-stops: list 72.0pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Loan sebesar Rp. 99
juta, namun dana yang dapat disalurkan ke masyarakat adalah sebesar Rp. 110 juta yang diperoleh dari
deposit + capital<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">LDR =
(Loan : (deposit + capital )) x 100%<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 72.0pt; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">= ( Rp. 110 juta
: ( Rp 100 juta + 10 juta)) x 100%<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 72.0pt; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">= Rp. XX<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dana yang ada
pada Loan sebesar Rp. 99 juta dapat diekspansi jika capital ditambah menjadi
Rp. 20 juta, adapun dana capital yang dapat diambil berasal dari :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l4 level1 lfo4; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Setoran </span><span lang="IN" style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;">à</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">tidak
boleh diambil, sebab merupakan dana yang bersifat wajib<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l4 level1 lfo4; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Laba ditahan </span><span lang="IN" style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;">à</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">
prioritas utama (profit dikurang dengan laba yang dibagikan)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l4 level1 lfo4; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">c.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Saham/stock </span><span lang="IN" style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;">à</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">
prioritas kedua<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Sementara itu,
dana yang dapat disalurkan ke masyarakat sebesar Rp. 110 juta dapat terjadi 2
kemungkinan, yaitu :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l1 level1 lfo5; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Rp. 60 juta merupakan
dana yang menguntungkan</span><span lang="IN" style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;">à</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> dipinjamkan ke masyarakat sehingga
bank akan mendapat perolehan berupa bungan pinjaman (i2), sementara itu, Rp. 60
juta ini pun pada kenyataan dapat terjadi dua kemungkinan berupa non performing
loan yang terdiri dari :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l2 level1 lfo6; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dana
lancar = Rp.45 juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 54.0pt; mso-add-space: auto; mso-list: l2 level1 lfo6; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dana
macet = Rp. 15 juta ( Retrusting programme)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l1 level1 lfo5; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Rp. 50 juta merupakan
idle fund (dana yang tidak terpakai, harus membayar bunga nasabah yang menabung
di bank (i1)</span><span lang="IN" style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;">à</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">tidak dapat disalurkan<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Adapun rumus
untuk mencari biaya dana = (Bunga
tabungan/giro/deposito – Reserve Requirement) x 100% = i %<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Sementara untuk
mencari i2 = cost of fund + sprea/keuntungan + (biaya operasional x 100%), LDR
dapat dinaikkan supaya profitabilitas suatu bank juga naik.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: 18.0pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Untuk
Fee based income, besar i2 > i1 (untuk bidang jasa), pada tahun 1988 (Vacto
88)</span><span lang="IN" style="font-family: Wingdings; font-size: 12.0pt; line-height: 115%; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;">à</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">interest
based income tidak dapat terjaga, oleh sebab itu timbulah istilah fee based
income dari jasa (saat ini : penggunaan teknologi seperti sms banking, atm,
dll) yang dilakukan untuk transaksi seperti :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo7; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Kliring dan transfer<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo7; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Inkaso (penagihan)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo7; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">c.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Letter of kredit<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l0 level1 lfo7; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">d.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Bank garansi<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Sementara itu,
untuk bank syariah, alur kerjanya yaitu :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l3 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Debitur melakukan
sharing ke bank dan begitun bank melakukan sharing ke debitur, proses ini
dianggap X2<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l3 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Kemudian, disaat yang
sama, bank juga akan melakukan sharing dengan deposan begitupun deposan akan
melakukan sharing terhadap bank, proses ini dianggap X1<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l3 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Maka keuntungan bank
adalah = X2 – X1<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> <o:p></o:p></span></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0tag:blogger.com,1999:blog-7229107136279325802.post-62057087871635399542013-05-10T07:46:00.001+07:002013-05-10T07:46:12.457+07:00KLKP PERETEMUAN 3<br />
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 36.0pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Dalam
dunia perbankan dan akuntansi, tentunya kita sudah tidak asing lagi dengan
istilah Asset dan liabilities. Perlu diketahui, bahwa Asset akan bertambah di
sisi debet dan akan berkurang di sisi kredit. Sebaliknya pada liabilities, yang
akan berkurang di sisi debet dan bertambah di sisi kredit. Berikut ini
pembagian yang terdapat di Asset dan di Liabilities :<o:p></o:p></span></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; margin-left: 40.85pt; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 190.2pt;" valign="top" width="254">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Asset
(aktiva)<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 206.7pt;" valign="top" width="276">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Liabilities
(passiva)<o:p></o:p></span></b></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 190.2pt;" valign="top" width="254">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Cash Reverse, setiap
bank umum yang ada di Indonesia menurut peraturan LRR (Legal Reserve
Requirement) harus mempunyai tabungan minimal 8% dari total deposito<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 206.7pt;" valign="top" width="276">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Deposit I, yang
terdiri dari saving deposit (tabungan), demand (giro), dan time (deposito)</span><span lang="IN" style="font-family: Wingdings; font-size: 12.0pt; line-height: 150%; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;">à</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">membayar
bunga bagi yang menyimpan uang di bank (i1)<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 190.2pt;" valign="top" width="254">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Loan/Kredit, adapun
rumus untuk mencari batasan kredit yang dapat diterima oleh masyarakat yaitu
=<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<!--[if gte msEquation 12]><m:oMath><m:f><m:fPr><span
style='font-size:12.0pt;mso-ansi-font-size:12.0pt;mso-bidi-font-size:12.0pt;
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mso-hansi-font-family:"Cambria Math";mso-bidi-font-family:"Times New Roman";
font-style:italic;mso-bidi-font-style:normal'><m:ctrlPr></m:ctrlPr></span></m:fPr><m:num><i
style='mso-bidi-font-style:normal'><span lang=IN style='font-size:12.0pt;
line-height:150%;font-family:"Cambria Math","serif";mso-bidi-font-family:
"Times New Roman"'><m:r>Loan</m:r></span></i></m:num><m:den><i
style='mso-bidi-font-style:normal'><span lang=IN style='font-size:12.0pt;
line-height:150%;font-family:"Cambria Math","serif";mso-bidi-font-family:
"Times New Roman"'><m:r>Deposito</m:r><m:r> </m:r></span></i></m:den></m:f></m:oMath><![endif]--><!--[if !msEquation]--><span style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin; mso-text-raise: -10.5pt; position: relative; top: 10.5pt;"><!--[if gte vml 1]><v:shapetype
id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t"
path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f">
<v:stroke joinstyle="miter"/>
<v:formulas>
<v:f eqn="if lineDrawn pixelLineWidth 0"/>
<v:f eqn="sum @0 1 0"/>
<v:f eqn="sum 0 0 @1"/>
<v:f eqn="prod @2 1 2"/>
<v:f eqn="prod @3 21600 pixelWidth"/>
<v:f eqn="prod @3 21600 pixelHeight"/>
<v:f eqn="sum @0 0 1"/>
<v:f eqn="prod @6 1 2"/>
<v:f eqn="prod @7 21600 pixelWidth"/>
<v:f eqn="sum @8 21600 0"/>
<v:f eqn="prod @7 21600 pixelHeight"/>
<v:f eqn="sum @10 21600 0"/>
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<v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect"/>
<o:lock v:ext="edit" aspectratio="t"/>
</v:shapetype><v:shape id="_x0000_i1025" type="#_x0000_t75" style='width:39pt;
height:24pt'>
<v:imagedata src="file:///C:\DOCUME~1\kemenkeu\LOCALS~1\Temp\msohtmlclip1\01\clip_image001.png"
o:title="" chromakey="white"/>
</v:shape><![endif]--><!--[if !vml]--><img height="32" src="file:///C:/DOCUME~1/kemenkeu/LOCALS~1/Temp/msohtmlclip1/01/clip_image002.gif" v:shapes="_x0000_i1025" width="52" /><!--[endif]--></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast;"> x 100%<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Dengan
kredit maksimal yang diperoleh oleh masyarakat yaitu sebesar 110%.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">LLL(Legal
Lending Limit) merupakan batas waktu pembayaranbagi pihak yang meminjam dari
bank untuk dikembalikan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l5 level1 lfo3; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mendapatkan bunga
berupa i2<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 206.7pt;" valign="top" width="276">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Securities (berupa
obligasi)<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 190.2pt;" valign="top" width="254">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Securities (berupa
saham dan obligasi)<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 206.7pt;" valign="top" width="276">
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Capital I (modal),
atau lebih sering disebut dengan pihak 1,
yang dapat berupa laba ditahan, stock deviden, dan setoran modal<o:p></o:p></span></div>
</td>
</tr>
<tr>
<td style="border-top: none; border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 190.2pt;" valign="top" width="254">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Other Asset<o:p></o:p></span></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 206.7pt;" valign="top" width="276">
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">CAR (setiap bank
harus punya simpanan, total seluruh risiko dari Asset)</span><span lang="IN" style="font-family: Wingdings; font-size: 12.0pt; line-height: 150%; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;">à</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Capital
Adequery ratio =<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">(ATMR : modal) x 100%
= nilainya minimal 20%<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 36.0pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">LDR
sangat penting bagi setiap bank umum sebab agar dapat melakukan likuiditas,
multiplier, dan prudent. Prudent berarti bank harus berhati-hati dalam
memberikan setiap pinjaman yang disalurkan ke masyarakat, sementara multiflier
adalah maksimal pemberian kredit yang diberikan oleh bank untuk masyarakat.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 36.0pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Dalam
melakukan kegiatannya, bank melakukan perhitungan rekap saldo dengan
menggunakan dua metode secara umum, yaitu :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l3 level1 lfo4; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Metode
akhir hari yang terdiri dari rekapitulasi saldo<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l3 level1 lfo4; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Metode
akhir bulan yang terdiri dari rekap saldo, hitung saldo, dan penentuan saldo pada
awal bulan berikutnya.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Contoh
kasus :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l2 level1 lfo5; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Tabungan
Atun di Bank Siti jakarta :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">15/1
– Setor tunai sebesar Rp. 5 juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">25/1
– ambil tunai sebesar Rp. 2 juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">26/1
– pinbook debet ke rekening giro sebesar Rp. 1 juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">27/1
– terima transfer dari siti surabaya sebesar Rp. 10 juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">28/1
– ambil tunai Rp. 3 juta<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Maka,
rekap saldo yang tertulis di Bank siti jakarta yakni terjadi 5 mutasi yang
terdiri dari :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">15/1
– Rp. 5 juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">25/1
– Rp. 2 juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">26/1
– Rp. 1 juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">27/1
– Rp. 10 juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">28/1
– Rp. 3 juta<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 18.0pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Adapun
cara untuk menghitung bunga dari sisi Deposit = (%i x hari bunga x nominal) :
365. Maka, berikut perhitungan untuk mencari saldo harian, saldo rata-rata, dan
saldo akhir/terendah :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l7 level1 lfo6; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Saldo
harian (mutasi per hari selalu dihitung), misal diketahui tingkat bunga (i) =
10%<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l6 level1 lfo7; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Tanggal
15/1 = (10% x (25-10) x Rp.5.000.000) : 365 = Rp. XX<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l6 level1 lfo7; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Tanggal
25/1 = (10% x (26-25) x Rp.3.000.000) : 365
= Rp. XX<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l6 level1 lfo7; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Tanggal
26/1 = (10% x (27-26) x Rp.2.000.000) : 365 = Rp. XX<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l6 level1 lfo7; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">4.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Tanggal
27/1 = (10% x (28-27) x Rp.12.000.000) : 365
= Rp. XX<o:p></o:p></span></div>
<div style="border-bottom: solid windowtext 1.0pt; border: none; margin-left: 36.0pt; margin-right: 0cm; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0cm 0cm 1.0pt 0cm;">
<div class="MsoListParagraphCxSpMiddle" style="border: none; line-height: 150%; margin-left: 18.0pt; mso-add-space: auto; mso-border-bottom-alt: solid windowtext .75pt; mso-list: l6 level1 lfo7; mso-padding-alt: 0cm 0cm 1.0pt 0cm; padding: 0cm; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">5.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Tanggal
28/1 = (10% x (31-28+1) x Rp.9.000.000 : 365
= Rp. XX<o:p></o:p></span></div>
</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Total saldo
= Rp. XX<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Maka, saldo awal bulan
berikutnya = saldo akhir + Rp. XX (total saldo)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"> = Rp. 9.000.000 + Rp. XX = Rp. XX<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l7 level1 lfo6; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Rata-rata
saldo = jumlah saldo : jumlah mutasi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Maka,
diperoleh = (Rp. 5 juta + Rp. 3 juta + Rp.2 juta + Rp.12 juta + Rp. 9 juta) : 4<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"> = Rp. Y<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 36.0pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Jadi,
<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"> saldo awal = (10% x (31-15+1) x Rp. Y) : 365 =
Rp. XX<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l0 level1 lfo8; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Saldo
akhir = (10% x (31-15+1) x Rp.9.000.000) : 365 = Rp. XX<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; mso-list: l7 level1 lfo6; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">c.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Saldo
terendah = (10% x (31-15+1) x Rp2.000.000) : 365 = Rp. XX<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Sementara
itu, dari sisi loan (kredit</span><span lang="IN" style="font-family: Wingdings; font-size: 12.0pt; line-height: 150%; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;">à</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">pinjaman
rekening koran)</span><span lang="IN" style="font-family: Wingdings; font-size: 12.0pt; line-height: 150%; mso-ascii-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-char-type: symbol; mso-hansi-font-family: "Times New Roman"; mso-symbol-font-family: Wingdings;">à</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">biasanya banyak digunakan untuk
perhitungan bunga pada konsumen kredit card, yakni sebagai berikut :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l1 level1 lfo9; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Rekap
saldo <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">15
/1 – Rp. 15 juta<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">25/1
– Rp. 10 juta (mutasi 1 = Rp.5 juta)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">26/1
– Rp. 7 juta (mutasi 2 = Rp. 3 juta)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">27/1
– Rp. 5 juta (mutasi 3 = Rp. 2 juta)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">28/1
– Rp. 3 juta (mutasi 4 = Rp. 2 juta)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Untuk
metode ini, biasanya menggunakan metode <b>saldo
harian, diketahui i = 15%<o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Maka,
<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">15/1
= (15%x (25-15) x Rp. 15 juta) : 360 =
Rp.XX<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">25/1
= (15%x (26-25) x Rp. 10 juta) : 360 =
Rp.XX<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">26/1
= (15%x (27-26) x Rp. 7 juta) : 360 =
Rp.XX<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">27/1
= (15%x (28-27) x Rp. 5 juta) : 360 = Rp.XX<o:p></o:p></span></div>
<div style="border-bottom: solid windowtext 1.0pt; border: none; margin-left: 36.0pt; margin-right: 0cm; mso-border-bottom-alt: solid windowtext .75pt; mso-element: para-border-div; padding: 0cm 0cm 1.0pt 0cm;">
<div class="MsoListParagraphCxSpMiddle" style="border: none; line-height: 150%; margin-left: 0cm; mso-add-space: auto; mso-border-bottom-alt: solid windowtext .75pt; mso-padding-alt: 0cm 0cm 1.0pt 0cm; padding: 0cm; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">28/1 = (15%x
(30-28+1 ) x Rp. 3 juta) : 360 = Rp.XX<o:p></o:p></span></div>
</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Maka,
total saldo =
Rp. XX<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; text-align: justify; text-indent: 36.0pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Untuk saldo awal bulan depan adalah Rp.3
juta + Rp. XX, metodel ini selain banyak digunakan untuk perhitungan bunga
kartu kredit, banyak pula digunkan untuk iuran tahunan, asuransi kredit, fee
penyetoran, dll.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify; text-indent: 36.0pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Untuk
model perhitungan yang terdapat di bank BRI, tingkat bunga (i = 10% per tahun),
maka kalau seseorang meminjam dana untuk jangka waktu 3 tahun, maka bunganya
adalah 10% x 3 tahun = 30%. Sementara itu, metode yang banyak digunakan oleh
bank swasta yaitu (i = (1+i)<sup>n</sup>) atau disebut bunga berbunga. Metode
ini paling banyak digunkan untuk KPR dan KI (kredit Investasi)<o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal">
<br /></div>
Ritahttp://www.blogger.com/profile/05257596889353319662noreply@blogger.com0