air

PENTINGNYA AIR BAGI TUBUH……..


Sebagian besar tubuh manusia (55%-75%) berupa air.Artinya ,dalam tubuh seseorang yang beratnya 70 kg terdapat 39-54 kg air.Sedangkan kebutuhan manusia akan air berbeda-beda.Hal itu diukur dari 1 mililiter per 1 kilokalori(ml/kkal).Apabila seorang dewasa memiliki kebutuhan energi 2.500 kkal/hari, maka kebutuhan airnya sebesar 2500 ml atau setara dengan 10 gelas per hari.air dalam tubuh memiliki banyak fungsi : sebagai pelarut,pelumas,pengendali suhu,dan penyedia elektrolit.Air juga dapat menghindarkan orang dari serangan berbagai penyakit.Kekurangan cairan dalam tubuh bisa menyebabkan dehidrasi.Mulai yang ringan hingga dehidrasi berat yang berakibat fatal (pingsan).
Meski air demikian penting bagi tubuh, tetapi tidak semua orang paham akan hal itu.Pada awal tahu 2009,seorang Profesor IPB melakukan studi terhadap 209 remaja pria-wanita dan 194 orang dewasa di Bandung Barat dan Jakarta Utara, Dari hasil riset tersebut sebanyak 51,1% remaja ternyata memiliki pengetahuan rendah tentanng air.Dari yang rendah itu sebanyak 42,2% mengetahui akibat-akibat yang bisa di timbulkan oleh kekurangan air.Dan sebnyak 34% mengetahui kapan tubuh membutuhkan air yang lebih banyak.Studi ini juga mengungkapkan 35,9% remaja tahu bahwa sumber air bagi tubuh berasal dari makanan (termasuk buah-buahan).
Air juga bermanfaat untuk mencegah sulit baung air besar dan bibir kering.Kekurangan air dalam tubuh juga dapat menyebabkan sakit kepala.Apabila 12% air hilang,mulut akan sulit mengunyah dan kalu kekurangan air mencapai 15%-25% akan berakibat fatal yaitu kematian, sedangkan kalau kelebihan akan menimbulkan sindrom kelebihan air.

laporan keuangan

APA ITU LAPORAN KEUANGAN???????

Laporan merupakan media komunikasi dan pertanggung jawaban antara perusahaan dan para pemiliknya atau pihak lainnya.Laporan keuangan di hasilkan melalui system akuntansi yang diselenggarakan oleh perusahaan.Untuk memahami system serta proses akuntansi dengan baik,apresiasi terhadap laporan keuangan merupakan hal yang sangat penting, karena :
• Laporan keuanngan merupakan produk akhir proses akuntansi.Mempelajari proses tanpa mengenal produk terflebih dahulu ibarat belajar memasak tanpa pernah mengenal atau melihat contoh masakan yang telah jadi.
• Dengan mengenal laporan keuangan yang diterbitkan perusahaan dalam praktik sesungguhnya ,apa yang dipelajari dalam proses akuntansi menjadi masuk akal dan mempunyai pengarah.
• Rincian yang terdapat dalam laporan keuangan lengkap memerlukan tempat(disebut akkun atau rekening) untuk mengumpulkan data dasar (kos sebagai bahan olah) untuk menghasilkan jumlah rupiah yang akan diisikan pada tiap elemen atau pos laporan

Tujuan mempelajari laporan keuangan pada tingkat ini adalah bukan untuk menghafalkannya tetapi untuk memperoleh gambaran umum tentang lingkup informasi yang dituangkan dalam laporan keuangan beserta variasinya.Laporan keuangan yang ditujukan kepada pihak luar disebut dengan laporan keuangan umum(general-purpose financial statement..).Laporan keuangan ini bersifat resmi dan penyusunannya harus mengikuti ketentuan-ketentuan dalam prinsip akuntansi berterima umum(PABU).Jadi financial Statement merupakan suatu pernyataan resmi yang harus dipertanggung jawabkan kebenarannya secara yuridis.Jadi laporan keuangan harus terbuka atau diaudit(subject to audit) oleh pihak independent untuk menentukan kewajarannya.

pasar modal syariah

SHARIA CAPITAL MARKET

Simply put, Islamic capital market can mean a capital market that applies the principles of sharia in economic transactions and activities apart from the things in the forbidden, such as usury, gambling, speculation, and others.

When will the Islamic capital market started in Indonesia?

Islamic capital market was officially launched on March 14, 2003 along with the MoU between BAPEPAM pendatanganan with the National Islamic Council, Council of Ulama Indonesia (DSN-MUI).
Although officially launched in 2003, but the Islamic capital market instruments have been present in Indonesia since 1997. This is marked by the launch of sharia Danareksa on July 3, 1997 by PT Danareksa Management.Selanjutnya JSE Investment in cooperation with PT Danareksa Investment Management launched the Jakarta Islamic Index (JII) on July 3, 2000, which aims to guide investors who want to invest the funds in syariah.Dengan the presence of the index, then the investors have in stocks provided that can be made the means to invest in the implementation of sharia principles that have been prepared for the investors.
Further development, Islamic investment instruments in the capital markets continue to grow in the presence of Islamic bonds PT Indosat Tbk 2002.Instrumen in early September is the first bond and proceed with the issuance of Islamic bonds in 2004 to lainnya.Pada first published by Islamic bonds, or the rent covenant familiar with ijara Islamic bonds.
Furthermore, in the year 2006 a new instrument muncui Mutual fund index, which diman aindeks in use as the underlying index JII.Perkembangan Islamic capital market can not be separated from the development of other Islamic financial institutions, particularly Islamic banking. Today, Islamic financial institutions continue to grow, so do not just tedapat Islamic banking and Islamic capital markets, but also developed with the presence of Islamic insurance, Islamic pembiyaan institutions, and the Islamic pawnshops.
Implementation of sharia principles inherent in capital market instruments or securities in the sharia and fatwa council that several provisions in the Bapepam and the stock issued, while the trading mechanism has not perubahan.Oleh because it is not needed its own stock for Islamic capital markets.

reksadana

REKSADANA

Viewed from the home he said, mutual funds derived from the word "mutual", meaning guard or maintain and the word "funds" which means (collection) of money, so mutual funds can be defined as "a collection of money on a pet (together for a cause)". Generally interpret as a mutual fund in which the container used to collect funds from public investors for further diinvestasilkan in portfolio securities by the investment manager (fund manager).
Law while the capital markets in 1995 the number 8, Article 1 paragraph (27) defines the monthly mutual fund is a container that is used to raise funds from public investors to further invest in portfolio securities by a securities manager. While in the United States mutual funds in terms kenala Mutual fund, known in England called the unit trusts, while in Japan known as Investment trust term.

Mutual fund is one of the alternative investment for the investor community, particularly small investors and investors who do not have a lot of time and expertise to calculate the risk on their investment. Mutual fund designed as a means to raise funds from the community thinking about the capital and the willingness to invest, but only have time and knowledge that reksadan also terbatas.selain expected to meninngkatkan role of local investors to invest in the Indonesian capital market.

Benefits of Mutual Fund Investors:

• Investors, though not a large enough budget, can diversify investments in securities, so as to minimize the risk.
• Reksadan facilitate investors to invest in the market shares modal.menentukan good to buy is not an easy task, but requires knowledge and skill, which not all investors have the knowledge.
• Efficiency waktu.dengan investing in mutual funds managed by professional investment managers, investors need not bother to monitor the investment performance for the activities transferred to tealh investment manager.

Risk Mutual Funds for Investors:

• Risk reduction in the value of units
This risk is influenced by the declining prices of securities (stocks, bonds, and securities) are included in the mutual fund portfolio.
• Liquidity Risk
Menyangut difficulties faced by the investment manager if the majority of unit holders to resale (redemption) of units held.
• The risk of defaults (fails to pay)
Is the worst risk, may arise because insurance companies are mutual funds wealth mengansuransikan not immediately pay compensation or pay less than the sum insured when things happen that are not desirable, such as defaults from the parties involved in the mutual fund.

Types of Mutual Funds:

Judging from its shape:

• Mutual fund companies form (corporate type)
In this form, the publishing company's mutual funds raise funds by selling shares, and further funds from these sales hasi invested in various types of securities traded in capital markets and financial markets.
Mutual fund companies form distinguished by its nature a mutual fund company that is open and that this tertutup.bentuk has characteristics as follows:
1. Its legal form is a Limited Liability Company (PT)
2. Wealth management of mutual funds based on contracts between the directors of companies with investment managers in point.
3. Storing wealth in mutual funds based on the contract between the bank's investment manager Custodian.

• Mutual Fund Collective Investment Contract form (contractual type)
Mutual fund is a form of contract between an investment manager with the custodian banks that attract shareholders Units (UP), in which the investment manager in the given authority to manage a collective investment portfolio and Kustodion banks authorized to conduct collective care. This form has the characteristics as follows:
1. Its legal form is a collective investment contract
2. Management of mutual funds by investment managers under contract.
3. Storage kekeyaan collective investment banks conducted by the Custodian under the contract.

Viewed from nature, mutual funds can be categorized into:

1. Mutual funds are closed and (closed-end fund)
Mutual funds can not buy back the shares already sold to investors.

2. Mutual funds are open (open-end fund)
Rreksadana offering and buy back shares from investors to a number of capital already dikeliarkan.


Judging from its investment portfolio, mutual funds can be categorized into:

• Mutual fund money market (money market funds)
This type of mutual fund investing only in securities which are debt with maturity less than 1 tahun.tujuannya is to maintain liquidity and capital maintenance.

• Mutual fund fixed income (fixed income funds)
This type of mutual fund investing at least 80% of assets in the form of securities that are debt.

• Mutual fund shares (equity funds)
Mutual funds that invest at least 80% of assets in the form of securities that are equity.

• Mutual Funds mixture (discretionary funds)
This type of mutual fund investing in securities that are equity and debt securities that are.





Seen from the investment objectives, mutual funds can be categorized into:

• Growth Fund
Mutual funds that focus on the pursuit of growth in the value of this type usually reksadana.reksadana allocate funds on the stock.

• Income Fund
Mutual fund revenues konstan.Reksadana prioritizing this type allocate funds in debt securities or bonds.

• Safety Fund
Mutual funds to prioritize the security of the general type pertumbuhan.Reksadana allocate funds in the money market.

tugas soft skill (warta warga) (wahyu Putra) 2

SECURITIES


Theoretically, securities (securities) is a piece of paper that shows the rights of investors (ie those who have the paper) to obtain the wealth of prospects or organizations that publish these securities, and a variety of conditions that allow investors to run their rights. In law number 8 of capital markets in 1995, firmly stated that the securities are securities of debt instruments, commercial paper, stocks, bonds, debt receipts, units of collective investment contracts, futures contracts or securities and any derivatives of effect. Effects definition written in the law of capital markets has covers all types of securities in the capital markets.

According to the law - capital market law number 8 of 1995 in classifying effects:

• Securities inclusion (equity securities), the effect kepeda entitling the holder to become shareholders of the company issuing the securities. Included into this effect are: common stock (commond stock) and preferred stock (preferred stock)
• debt securities (debt securities), is the effect which the issuer (issuer) issue or sell debt securities, with kewajibanmenebus back in time has been set by agreement between the parties concerned. Besranya interest and the interest payment period or coupon paid by the issuer in accordance with earlier agreements, such as setaiap 3 months or 6 months. Which includes these effects are: bond (bond) and the medium-term debt securities (medium term note).
• The effect of derivatives is a derivative effect of the effect of "major", whether it is the inclusion or debt. The effect can mean derivatives derived directly from the effects of "major" or a derivative or turuna next two. Which include these effects into the warrants, rights, options, futures, forward, swap and others.
• Other effects are effects that are not included in investments in securities, debt, and derivatives. Included into this group is mutual funds, certificates of care effects Indonesia (SPEI) of such securities ADR (American Depository receipts), and others.

Securities traded in the Indonesian capital market:

• Shares (stock)
Is a sign of inclusion or possession of a person or entity within a company or a limited perseroaan. Shares tangible piece of paper that explained that the owner of the paper is the owner of the company that issued the securities. The portion of ownership is determined by how much the inclusion of the plant at the company.

• Preferred stock (preferred stock)
• Bond (bond)
• Convertible bond (convertible bond)
• Right
• Warrants (warrants)
• Mutual Funds (mutual fund)
• stock index futures contract (index ftures)
• Contract of stock options (single stock options)
• Letter of the State debt (SUN)
• Instrument of sharia (Islamic bonds, Islamic mutual funds)


Characteristics of the juridical shareholder:

• Risk is limited (limited risk), which means shareholders are responsible only to the amount of the setorkan into the company.
• The main controller (ultimate control) means shareholders (collectively) will determine the direction and objectives of the company.
• Claim the remaining (residual claim) means that shareholders are the last to get the division of the company's business results (in the form of dividends) and the remaining assets in the process of corporate liquidation. Shareholders have a junior position (lower) the bondholder appeal atua creditors.

tugas soft skill (warta warga) (wahyu Putra)

CAPITAL MARKET

Capital markets (capital market) is a market for the long-term financial instruments that can be bought perjual, either in the form of debt, equity (stocks), derivative instruments, or instruments lainnya.Pasar Capital is a means of funding for companies and other instusi (eg government ) and tools for investing activities. Thus, facilitating capital market infrastructure and trading activities of other related activities.

Capital markets have a major role for the economy of a country, because the capital markets perform two functions at once: the economic functions and financial functions. Capital market is said to have functioning market economy because it provides a facility or vehicle that meets the interests of two parties who have excess funds (ie investors) and those in need of funds (ie issuer, the issuing party or the issuer's securities). With the capital markets, then the party who have excess funds can invest these funds in the hope of getting the yield (return), while the issuer (in this case a company) can use those funds for investment purposes without having to wait for the availability of funds from the company opersi. Meanwhile in the capital markets have to say financial funsi, because it gives the possibility and opportunity to earn rewards for the owners of the funds in accordance with the characteristics of the selected investment.

Capital markets provide many mannfaat, including:

• Menyediakn funding sources or financing (long term) for the business while enabling the allocation of financial resources optimally.
• Provide an investment vehicle for investors while enabling diversifikai efforts.
• Provide the main indicators (leading indicators) for the state economic trends.
• Allows the spread of ownership of the company until the middle layers of society.
• Creating employment / pfesi interesting.
• Provide an opportunity to have a healthy company with good prospects.
• Alternative investments that provide potential benefits to risks that can be calculated through the transparency, liquidity and investment diversification.
• Fostering a climate of openness to the world not provide access control and social
• Encourage the management of the company with an open climate, use of professional management, and creating a healthy business climate.

Tugas bahasa inggris bisnis 1 (application letter)

Jakarta, 16 November 2009

Designation.,
Director
PT. Tunas Bangsa
Jl. Raya Merdeka No. 27
Menara Jaya, Fl. 21
Jakarta 12580

Sincerely,
In accordance with a job offer from PT. Tunas Bangsa, as contained in Media indonesia on 9 November 2009. I volunteered to join the register as Marketing Manager at PT. Tunas Bangsa.
My brief data, such as the following :
Name : Wahyu Putra
Place of Date of Birth : Muaro Sijunjung,June 09, 1989
Last Education : Bachelor of Accounting University of Gunadarma
Address : Haji Ahmad Street No 26 Kukusan
Phone, HP, E-mail : 08560989999, WP_89@yahoo.com
Marital Status : Single

I have a health condition is very good, and can speak English both spoken and written. My educational background is very satisfying and has management skills and good marketing. I have been accustomed to working with computers. Operates mainly MS Office package of applications, such as Excel, Word, Access, PowerPoint, Outlook, and Internet, as well as correspondence in English.

Consideration, I enclose:
1. List of CVs.
2. Photocopy of diploma S-1 and transcripts.
3. Photocopy of certificate courses / training.
4. Recent passport photo.
I hope Mr / Mrs willing to take the time to give interviews, so I can explain in more detail about my own potential.
So this cover letter, and thank you for the attention of Mr / Mrs.

Sincerely,

Wahyu Putra
Enc : CV

CV

My Signature Bellow ::

I. PERSONAL DATA
Name : WAHYU PUTRA
Place,Date Of Birth : Muaro Sijunjung, 09 Juni 1989
Gender : Male
Status : Not Married
Religion : Islam
Address : Haji Ahmad Street No 26,Kukusan Depok
Telepon : 08560989999

Educational Background
II. FORMAL EDUCATION
2007 - : Universitas Gunadarma
2004 - 2007 : SMA Negeri 1 Sijunjung
2001 – 2004 : SMP Negeri 7 Sijunjung
1995 – 2001 : SD Negeri 46 Muaro

CV so I created this in truth.
( Wahyu Putra )

tugas soft skill bahasa inggris bisnis 1 wahyu putra (21207149)

Mussolini British Spies ???????

Benitto Italian dictator Mussolini was the leader who helped the Nazi axis which nearly brought the UK to his knees in World War II. Nevertheless, the pages of history to open that he never paid to work for British intelligence.

When World War I, Italy allied with the British and French to hostile Germany. According to the Cambridge historian Peter Martland, Mussolini was a socialist wing journalists in the UK need to print the propaganda supporting the war for the sake of Italy continued to work together. Mussolini paid 100 pounds per minngu by the M15 in 1917.

"British Intelligence subsidize Mussolini newspaper easily, however, is a part of a campaign to preserve extends to Italy to work with the British in the war." Martland said,as the lansir Reuters news agency.

tugas soft skill bahasa inggris bisnis 1 wahyu putra (21207149)

Tugas soft skill Bahasa Inggris Bisnis 1

Nama : Wahyu Putra
NPM : 21207149
Kelas : 3EB03


TREM>>>>>TRANSJAKARTA

What kind of transportation has been busy criss-crossing Jakarta main roads lately??? The Transjakarta bus,of course! The buses,which began operating in 2004,are faster than other public transportations because they run on a special lane,the busway. The transjakarta is not first public transportation that enjoyed this kind of privilege. Before 1962, the streets of this metropolitan city were also criss-crossed by electric trams which linked major spots like Harmoni , Medan Merdeka , and Gambir. It was the Dutch who built this tram system. Unfortunately , during the japanese occupation, people were discouraged from using this mass rapid transportation system. Rumor had it that the reason for the discontinuation was that the production of japanese private cars needed new markets. The new Indonesian government made a deal with the Japanese about importing Japanese cars into Indonesia. That’s why the new government also did not recommend the use of the tram.

Tugas Bahasa Inggris bisnis 1 letter order

PADANG TRADING
30 SUDIRMAN STREET
WEST SUMATERA 2009



Your Ref :
Our Ref :

22th October,2009

Mr.Green White
Manager
PT AMAN SEJAHTERA ELECTRONICS
Jln.Raya Merdeka NO.25
Surabaya 12345

Dear Mr Green,

Subject : Purchase Order No M.999 I

Thank you for your letter of 22 October enclosing your catalogue,price list,and terms of payment.

We have studied your catalogue very carefully and are very pleased with the quality of the typewrites you offered.

We shall for the goods by banker’s transfer on receipt of your pro- forma invoice and request delivery withim 2 weeks.

Please send your order in to our office.


Yours sincerely,



Wahyu Putra

Purchase Manager


PADANG TRADING
30 SUDIRMAN STREET
WEST SUMATERA 2009



PURCHASE ORDER No : M.999.I



TO : Mr.Green White
Manager
PT AMAN SEJAHTERA ELECTRONICS
Jln.Raya Merdeka NO.25
Surabaya 12345

Date : 22th October,2009


Ref Quantity Item Price/unit Total
A1135 100 unit Sharp washing machines Rp 2.000.000 Rp 200.000.000
B750 50 unit Sanyo washing machines Rp 1.500.000 Rp 75.000.000
C150 50 unit Denpoo vacum cleaner Rp 1.000.000 Rp 50.000.000
D135 50 unit Sharp vacuum cleaner Rp 700.000 Rp 35.000.000
Rp 360.000.000
Delivery date Requeired Terms For : Padang Trading
22 Oktober 2009 2 weeks from receipt Wahyu Putra

Tugas bahasa inggris (replaying to inquiries)

PT AMAN SEJAHTERA ELECTRONICS

Jln.Raya Merdeka NO.25

Surabaya 12345

15^th october 2009

Your Ref :Mi/pt/10b

Our Ref :As/ec/11a

Mr Wahyu Putra

Purchase Manager

Padang Trading

30 Sudirman Street

West Sumatera 2009

Dear Mr Wahyu,

Thank you for your letter of 8 october inquirying about our catalogue,price-list,term of payment and term of delivery.

We have pleasure in enclosing our latest catalogues together with a leaflet giving full details of our special trade discount for october. If your order 50 units washing machines,you can discount 5% and your order 100 units vacuum cleaner you can discount 6%.

We are also pleased to inform you that the delivery time weekly from the receipt of your order.

We look forward to receiving your first order and please do not hesitate to write again if you still need any further information.

Yours sincerely

Mr Green White

Manager