Tugas Bahasa Inggris Bisnis 2 (minggu 3)

Independent writing task.

A foreign visitor has only one day to spend in your country. Where should this visitor go on that day? Why? use spesific reasons and examples to support your choice.

MY OPINION

Indonesia is an archipelago that has tens of thousands of islands are very beautiful and attractive. Therefore, Indonesia has a very diverse culture, from Sabang to Merauke. So even with the place of tourism. Each island and city has a unique and almost all their beauty that can captivate the tourists to come to see the beauty of the island or the city. Because Indonesia is made up of islands, many tourist attractions related to the sea and highlight the beauty of the beach and sea. As Raja Ampat, the tourist area on the eastern tip of Indonesia, which has a beautiful beach and ocean were very indulgent eye. Indonesia also has educational tours protected animals in Borneo, Kalimantan, where there are captive orangutans. And if a tourist wants to travel to Indonesia, but only have one day, I recommended he or she go to Bali, Pulau Dewata.

Who is not familiar with Bali? Many foreign tourists who are familiar with Bali, even though they have never visited. Like the name, Island of the Gods, Bali is a paradise for tourists. There we can travel not only enjoy the beauty of nature, but the tourists also get to know and learn the customs and the traditions and culture of the Balinese people. Here are some of the tourist attractions in Bali:

• Alas Kedaton, touring forest inhabited by hundreds of monkeys and a bunch of big bats.
• Bali Safari Marine Park, provides a place for wildlife in their natural habitat, which is built with a blend of Balinese culture.
• Bali Bird Park, is one of the largest bird park in Indonesia.
• Denpasar, capital of Bali province is & is the center of government activity.
• Jimbaran beach, attractions and culinary characteristics seefood in Kedonganan.
• Kuta attractions white sand beaches, surf spots, and the beauty of the sunset.
• Joger Bali, the place for souvenir shopping, known as the factory of words located in the Kuta area highways.
• Sukawati, market places selling souvenir / gift at an affordable price.
• And many more sights of interest to tourists.

I know to go to Bali for just one day is not enough for the tourists, but I just hope the tourists can come another time and get the experience and unforgettable memories about Bali and Indonesia.

Tugas Bahasa Inggris Bisnis 2 (minggu 2)

Independent writing task

Some people say that computers have made live easier and convenient. Other people say that computers have made live more complex and stressful.

MY OPINION

A computer is a general  purpose device that can be programmed to carry out a finite set of arithmatic or logical operations. Since a sequence of operations can be readily changed, the computer can solve more than one kind of problem.

Nowadays, I think, some people say that the invention of computers is one of the gretest humankind’s invention. However, other people think that computers make their life more complex and stressful. I agree with those people who think that computers brought many benefit in our modern life.

For examples, the company currently uses as input devices in computer operations and as a relating between the inside of the company. And of course this is an advantage for the company because it can shorten the time, cost, effort and work become more effective and efficient so that the company gets a better profit. For the banking sector, the computer is not just a tool, but it can serve as a means of data storage customers and other financial data more quickly and in good order and properly.

And for the student and the community, which the computer is needed. In do the tasks and find information, students can make the computer to supply their income by way of business and selling online. Especially at this time has been very rapid development of computers and advanced. Examples of the latest development of a computer is a computer tabllet which is very helpful in human life. The reason many people choose a tablet computer or laptop is as easy to carry anywhere and its simple and practical.

A little message from me, do not use the computer for too long, because it will cause bad influence to the physical and psychological health. Please use the computer when necessary and with the best.

Tugas Bahasa Inggris Bisnis 2 (minggu 1)

Nama           : Wildan Anggun Pravitasari
Class            : 3EB03
NPM             : 28210510
Mata Kuliah : Bahasa Inggris Bisnis 2

Independent writing task.

Do you agree or disagree with the following statement?
Grades (marks) encourage students to learn.
Use spesifics reason and examples to support your opinion.

MY OPINION

Humans basically love to be complimented. Praise is a tribute to the man himself. In education, the award given from teachers one of which is called score. Score is a mark given in an exam for a piece of school work. Students need score as an assessment for their capacity at school. Good score are the target, which students have to achieve if they want to step up the higher classes.
This score (marks) which indicates good or bad, dilligent or lazy, smart or not the student, and so much more. So, I agree that it encourages students to learn many lessons.


There are many ways to get that value. There are a good way, but there is also a shortcut. The students know to get a good value and the right course is to study diligently and earnestly and do the tasks set by the teacher. Also practice the problems studied. While a bad way to get a good one is to cheat a friend task.

As small example is when there are exams and teachers provide good value for achievement and effort according to the students, then the students will be motivated to learn something new. Good grades provide students knowledge. Grades evaluate one's capacity and perform one's attitude towards studying. Obviously, if a student has low grades, it means he or she might not understand the lessons. Therefore, he needs to chance the way he studies so that he enable to understand lessons and master concrete knowledge next time. 

The conclusion, value or grades or marks is a very encourage students to learn if its given on objective scale because value is a process of learning and can be measured by students' ability to receive and study material provided by the teacher.

[TUGAS] PROPOSAL BAHASA

Proposal Bahasa

SUKUK

Konsep keuangan berbasis syariah Islam (Islamic finance) dewasa ini telah tumbuh secara pesat, diterima secara universal dan diadopsi tidak hanya oleh negara-negara Islam di kawasan Timur Tengah saja, melainkan juga oleh berbagai negara di kawasan Asia, Eropa, dan Amerika. Hal tersebut ditandai dengan didirikannya berbagai lembaga keuangan syariah dan diterbitkannya berbagai instrumen keuangan berbasis syariah. Selain itu, juga telah dibentuk lembaga internasional untuk merumuskan infrastruktur sistem keuangan Islam dan standar instrumen keuangan Islam, serta didirikannya lembaga rating Islam. Beberapa prinsip pokok dalam transaksi keuangan sesuai syariah antara lain berupa penekanan pada perjanjian yang adil, anjuran atas sistem bagi hasil atau profit sharing, serta larangan terhadap riba, gharar, dan maysir.

Salah satu bentuk instrumen keuangan syariah yang telah banyak diterbitkan baik oleh korporasi maupun negara adalah sukuk. Di beberapa negara, sukuk telah menjadi instrumen pembiayaan anggaran negara yang penting. Pada saat ini, beberapa negara telah menjadi regular issuer dari sukuk, misalnya Malaysia, Bahrain, Brunei Darussalam, Uni Emirate Arab, Qatar, Pakistan, dan State of Saxony Anhalt – Jerman. Penerbitan sovereign sukuk biasanya ditujukan untuk keperluan pembiayaan negara secara umum (general funding) atau untuk pembiayaan proyek-proyek tertentu, misalnya pembangunan bendungan, unit pembangkit listrik, pelabuhan, bandar udara, rumah sakit, dan jalan tol. Selain itu, sukuk juga dapat digunakan untuk keperluan pembiayaan cash-mismatch, yaitu dengan menggunakan sukuk dengan jangka waktu pendek (Islamic Treasury Bills) yang juga dapat digunakan sebagai instrumen pasar uang.

Apa itu sukuk?

Istilah sukuk berasal dari bentuk jamak dari bahasa Arab ‘sak’ atau sertifikat. Secara singkat The Accounting and Auditing Organisation for Islamic Financial Institutions (AAOIFI) mendefinisikan sukuk sebagai sertifikat bernilai sama yang merupakan bukti kepemilikan yang tidak dibagikan atas suatu asset, hak manfaat, dan jasa-jasa atau kepemilikan atas proyek atau kegiatan investasi tertentu. Sukuk pada prinsipnya mirip seperti obligasi konvensional, dengan perbedaan pokok antara lain berupa penggunaan konsep imbalan dan bagi hasil sebagai pengganti bunga, adanya suatu transaksi pendukung (underlying transaction) berupa sejumlah tertentu aset yang menjadi dasar penerbitan sukuk, dan adanya aqad atau penjanjian antara para pihak yang disusun berdasarkan prinsip-prinsip syariah. Selain itu, sukuk juga harus distruktur secara syariah agar instrumen keuangan ini aman dan terbebas dari riba, gharar dan maysir.

Tujuan Penerbitan Sukuk Negara (SBSN)

• memperluas basis sumber pembiayaan anggaran negara;
• mendorong pengembangan pasar keuangan syariah;
• menciptakan benchmark di pasar keuangan syariah;
• diversifikasi basis investor;
• mengembangkan alternatif instrumen investasi;
• mengoptimalkan pemanfaatan Barang Milik Negara; dan
• memanfaatkan dana-dana masyarakat yang belum terjaring oleh sistem perbankan konvensional

Karakteristik Sukuk

• merupakan bukti kepemilikan suatu aset berwujud atau hak manfaat (beneficial title);
• pendapatan berupa imbalan (kupon), marjin, dan bagi hasil, sesuai jenis aqad yang digunakan ;
• terbebas dari unsur riba, gharar dan maysir;
• penerbitannya melalui special purpose vehicle (SPV);
• memerlukan underlying asset.
• penggunaan proceeds harus sesuai prinsip syariah.

Kelebihan berinvestasi dalam Sukuk Negara, khususnya untuk struktur Ijarah.

• Memberikan penghasilan berupa Imbalan atau nisbah bagi hasil yang kompetitif dibandingkan dengan instrumen keuangan lain.
• Pembayaran Imbalan dan Nilai Nominal sampai dengan sukuk jatuh tempo dijamin oleh Pemerintah.
• Dapat diperjual-belikan di pasar sekunder.
• Memungkinkan diperolehnya tambahan penghasilan berupa margin (capital gain).
• Aman dan terbebas dari riba (usury), gharar (uncertainty), dan maysir (gambling).
• Berinvestasi sambil mengikuti dan melaksanakan syariah. 

Jenis-Jenis Sukuk

Berbagai jenis struktur sukuk yang dikenal secara internasional dan telah mendapatkan endorsement dari The Accounting and Auditing Organisation for Islamic Financial Institutions (AAOIFI) antara lain:

• Sukuk Ijarah, yaitu sukuk yang diterbitkan berdasarkan perjanjian atau akad Ijarah di mana satu pihak bertindak sendiri atau melalui wakilnya menjual atau menyewakan hak manfaat atas suatu aset kepada pihak lain berdasarkan harga dan periode yang disepakati, tanpa diikuti dengan pemindahan kepemilikan aset itu sendiri. Sukuk Ijarah dibedakan menjadi Ijarah Al Muntahiya Bittamliek (Sale and Lease Back) dan Ijarah Headlease and Sublease.
• Sukuk Mudharabah, yaitu sukuk yang diterbitkan berdasarkan perjanjian atau akad Mudharabah di mana satu pihak menyediakan modal (rab al-maal) dan pihak lain menyediakan tenaga dan keahlian (mudharib), keuntungan dari kerjasama tersebut akan dibagi berdasarkan perbandingan yang telah disetujui sebelumnya. Kerugian yang timbul akan ditanggung sepenuhnya oleh pihak yang menjadi penyedia modal.
• Sukuk Musyarakah, yaitu sukuk yang diterbitkan berdasarkan perjanjian atau akad Musyarakah di mana dua pihak atau lebih bekerjasama menggabungkan modal untuk membangun proyek baru, mengembangkan proyek yang telah ada, atau membiayai kegiatan usaha. Keuntungan maupun kerugian yang timbul ditanggung bersama sesuai dengan jumlah partisipasi modal masing-masing pihak.
• Istisna’, yaitu Sukuk yang diterbitkan berdasarkan perjanjian atau akad Istisna’ di mana para pihak menyepakati jual-beli dalam rangka pembiayaan suatu proyek/barang. Adapun harga, waktu penyerahan, dan spesifikasi barang/proyek ditentukan terlebih dahulu berdasarkan kesepakatan.

Di dalam negeri sendiri, pasar keuangan syariah, termasuk pasar sukuk juga tumbuh secara cepat, meskipun proporsinya dibandingkan pasar konvensional masih relatif sangat kecil. Untuk keperluan pengembangan basis sumber pembiayaan anggaran negara dan dalam rangka pengembangan pasar keuangan syariah dalam negeri, Pemerintah telah menyusun RUU tentang Surat Berharga Syariah Negara (SBSN). UU SBSN tersebut akan menjadi legal basis bagi penerbitan dan pengelolaan Sukuk Negara atau SBSN.

Sumber : Direktorat Jenderal Pengelolaan Utang – Depkeu

http://pengelolaankeuangan.wordpress.com/2008/12/08/mengenal-sukuk-instrumen-investasi-dan-pembiayaan-berbasis-syariah/