tag:blogger.com,1999:blog-42420639087010942502024-03-13T14:13:44.284+07:00Welcome to My BlogTips ~ Catatan kecil kuhana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.comBlogger27125tag:blogger.com,1999:blog-4242063908701094250.post-1037038556256362362019-08-13T17:01:00.001+07:002019-08-13T17:01:54.527+07:00Maafkan Aku - Blogger<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqLfLZqXKvRef5YnT_BjBhYWRLHgDJD-sG6Q7OAXaXgOZ-yMkm_lU8ASEywndJM0Xbg85TV8gkyOm3esX68UKKudzsYJJCSlCis7KVjUrHyDU_uU9EdqH-ppsQHYA_HEZr1XACGtGVZDw/s1600/maafkan.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="300" data-original-width="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqLfLZqXKvRef5YnT_BjBhYWRLHgDJD-sG6Q7OAXaXgOZ-yMkm_lU8ASEywndJM0Xbg85TV8gkyOm3esX68UKKudzsYJJCSlCis7KVjUrHyDU_uU9EdqH-ppsQHYA_HEZr1XACGtGVZDw/s1600/maafkan.png" /></a></div>
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<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;">Dear Para Blogger,</span><br />
<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;"><br /></span>
<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;">Maafkan ketidak aktifan ku di blog ya dalam beberapa bulan lalu.</span><br />
<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;">Kesibukan yang membuat ku jarang menulis blog.</span><br />
<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;">Maafkan komentar-komentar yang jarang terbalaskan, karena blog ini sering tidak aktif.</span><br />
<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;"><br /></span>
<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;">Kini, </span><br />
<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;">Aku kembali...</span><br />
<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;">Untuk menata blog web ku yang sudah lama tidak beroperasi.</span><br />
<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;">Dukung aku di content-content berikutnya</span><br />
<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;"><br /></span>
<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;"><br /></span>
<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;">Saran dan kritik dari teman-teman, akan memudahkan ku untuk memberikan content-content yang menarik..</span><br />
<span style="color: #4c1130; font-family: Trebuchet MS, sans-serif;">Love you all..... :-)</span><br />
<span style="color: blue; font-family: Georgia, Times New Roman, serif;"><b><br /></b></span>
<br />hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-79168740377056895072019-04-18T14:03:00.001+07:002019-04-18T14:03:34.103+07:00Budget Pernikahan<br />
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<b><span style="color: #ff0066; font-family: Algerian;"><span style="font-size: x-large;">Tentang <span style="border: 1pt none windowtext; padding: 0in;">Budget</span></span></span></b></div>
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<b><span style="color: #ff0066; font-family: Algerian;"><span style="font-size: x-large;">untuk Acara
Pernikahan</span><span style="font-size: 18pt;"> <o:p></o:p></span></span></b></div>
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<span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Hampir sebagian besar dari kita yang ingin menikah, selalu
memikirkan butuh budget besar untuk melangsungkan pernikahan yang diimpikan,
sehingga menjadi momok yang sangat menakutkan karena hal ini pulalah yang
menghambat sebagian orang untuk menikah dalam usia muda.<o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Disamping dari kesiapan dari pribadi masing-masing orang,
kesiapan dalam menyiapkan dana juga merupakan bagian sangat penting. Biasanya
hal ini menjadi sangat banyak mengeluarkan dana, karena adanya keinginan dari
Pihak Calon Pengantin sampai dengan keinginan Orang Tua si Calon Pengantin.
Pada dasarnya tentu orang tua ingin merayakannya sebagai bentuk suka citanya
dalam menyambut kebahagiaan baru untuk anak-anaknya.<o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Sudah hal yang umum pula di Indonesia bahwa nikahan itu
menghabiskan biaya yang tidak sedikit. Saya sadar diri bahwa keluarga saya
tidak kaya raya bergelimang harta, karena itu budget selalu jadi
batasan dalam berbagai hal. Kalau dana yang dipunya terbatas, biasanya gimana?<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Pakai
Tabungan. Buat yang punya tabungan, bisa dibilang uangnya ada. Tapi buat saya,
menghabiskan semua tabungan saya demi acara pernikahan yang wah bukanlah
pilihan. Buat saya kehidupan setelah acara pernikahan jauh lebih penting, untuk
jangka panjang pula. Saya memilih menyisakan tabungan saya, untuk
nambah-nambahin DP rumah atau tabungan haji atau biaya sekolah anak nantinya.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Pinjam
Uang. Bukan hal yang baru memang, banyak banget yang ternyata minjam uang untuk
mengadakan resepsi pernikahan, entah itu buat pernikahan yang sederhana
sekalipun ataupun mau yang lebih mewah dibanding kemampuan ekonominya. <o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Tekan Budget.
Biaya pernikahan itu sebenarnya bisa banget ditekan di sana-sini. Kudu
pandai-pandai ngatur dan memilih aja, agar walau biayanya ditekan tapi hasilnya
masih sesuai dengan harapan.<o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Prioritas tiap orang beda-beda. Kalo saya dan pasangan lebih
memilih untuk menekan budget di sesi photo pre-wedding, karena hal ini masih
bisa handle sendiri, untuk gedung tempat acara kebetulan dipermudah karena
Orang Tua saya ada bisnis di lingkup area Sekolah nya. Sangat bersyukur dan
pastinya dipermudah sama Allah, itu yang perlu diingat guys. Karena sesuatu
yang kita ingin lakukan sangat di ridhoi Allah, yang Insya Allah juga akan
dipermudah jalannya. <o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Bingung apa aja biaya yang bisa ditekan? Yuk mari lanjut baca,
hehehe…<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Wedding
Organizer (WO). Hire WO butuh biaya. Kalau mau hemat, bisa skip WO,
jadi persiapan pernikahan semuanya diatur sendiri bersama pasangan dan
keluarga. Biasanya Wedding Planner akan membantu si Calon Pengantin mulai dari
Pendaftaran KUA, desain undangan, penawaran souvenir sampai dengan lokasi
acara. Untuk saya sendiri tidak menggunakan jasa Wedding Planner, karena ini
butuh dana yang cukup besar diluar dari dana-dana yang harus kita keluarkan.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Administrasi
KUA. Ini biasanya sudah ada aturannya biayanya berapa, jadi ga bisa dipangkas
ya biaya wajibnya. Sebelum ke KUA, kalian harus surat izin menikah dengan TTD
kalian dan Orang Tua ke RT, RW, Puskesmas, Kecamatan, Kelurahan barulah
terakhir ke KUA. Kenapa ke Puskesmas?? Karena saat ini sebelum diadakannya
pendaftaran, calon pengantin harus mengikuti proses test kesehatan, dari cek
darah sampai dengan imunisasi TT (tambahan untuk perempuan – si calon Ibu, ada
test psikotes kejiwaan kondisi kita di 3bulan terakhir). Untuk proses di
Puskesmas, tidak perlu khawatir, karena kita hanya dikenakan biaya pendaftaran
Rp. 2.000 saja, segala bentuk test yang dijalani tidak dibebankan biaya.
(kecuali hasil dari test medical checkup nya dinyatakan butuh tindakan urgency,
biasanya ada pengobatan dulu untuk dijalankan) barulah nanti akan dapatkan
Sertifikat siap menikah. Saran saya, lakukan proses ini min. 6 bulan sebelum
menikah, untuk menjaga-jaga jika dibutuhkannya proses pengobatan dahulu, masih
ada waktu yang cukup.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Venue Akad
Nikah. Kebanyakan orang ngadain akad nikah di masjid. Buat pake masjid ini bisa
jadi ada biayanya, entah memang ada aturannya sekian atau berupa infaq
seikhlasnya aja. Lalu mendatangkan penghulu ke masjid juga ada biayanya. Mau
pangkas biaya ini? Akad nikahnya di KUA aja, gratis. Saya pribadi mengambil
proses dilangsungkannya Akad Nikah di Masjid, agar terlihat lebih sacral dan
syahdu.<o:p></o:p></span></div>
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Acara. Kadang acara nikahan itu ga cuma akad nikah dan resepsi. Apalagi yang
melibatkan prosesi adat. Makin banyak acaranya, ya makin gede biayanya, hehe.
Jadi kalau dana terbatas ga usah dibikin ribet, akad dan resepsi 1x aja juga
udah cukup. Saya pun juga menentukan proses Akad, Adat, dan Resepsi Pernikahan
dilakukan di hari yang sama.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Jumlah
Tamu. Ini menentukan banget dan sangat mempengaruhi budgeting pernikahan.
Makin banyak tamu yang mau diundang, makin gede juga biayanya, karena erat
banget kaitannya sama konsumsi dan venue acara.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Konsumsi.
Bagian ini biasanya yang menghabiskan biaya paling banyak. Sekian undangan,
artinya sekian tamu dan sekian pack konsumsi. Untuk menekan biaya
konsumsi, opsinya kurangi jumlah tamu atau pilih katering yang harganya
terjangkau. Mau masak rame-rame di rumah juga OK jika memang sumber daya
memungkinkan.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Venue Resepsi.
Kalau sewa gedung yang memang sering dipakai untuk acara pernikahan, biasanya
biayanya juta-juta. Kalau mau gratis, bisa di rumah sendiri, tapi kendalanya
biasanya tempatnya sempit dan repot banget. Opsi lain bisa cari gedung yang
lebih murah. Oia makin banyak tamu, artinya butuh tempat yang lebih luas. Tapi
luas tempat tidak selalu berbanding lurus dengan biayanya. Kebetulan seperti
cerita saya diatas, Saya sendiri menentukan acaranya di tempat yang sama Masjid
dan Aula nya kami fungsikan.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Dekorasi.
Dekorasi juga biayanya besar. Kalau mau dekorasi seperti yang sering dilihat di
Instagram ya biayanya pasti mahal. Budget ga sampai, ya pilih
dekorasi yang penting-penting aja. Jika dana terbatas, bisa cari bunga-bunga
imitasi, karena jika dengan bunga asli, biayanya cukup besar.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Pakaian
Pengantin. Beragam banget ya pilihan dan biayanya. Mau bikin, mau sewa, atau
mau bikin baru tapi selanjutnya disewakan; bebas. Tinggal sesuaikan mana yang
lebih masuk ke budget. Mau bikin pakaian nikahan dijahit sendiri juga bisa.
Kalau saya kebetulan untuk baju pernikahan, dihadiahkan oleh orang tua saya
sebagai bentuk kenangannya dari mereka berdua.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Pakaian
Seragam. Nikahan itu kayaknya momen penting banget untuk bikin pakaian seragam.
Yang diseragamin juga ga cuma keluarga inti, tapi juga keluarga besar, hingga
teman-teman mempelai yang dijadiin bridesmaids dan groomsmen.
Kalau saya dulu sih ga ada bridesmaids dan groomsmen. Pakaian
seragam keluarga pun beli bahan yang masih terjangkau. Untuk beberapa teman
dekat saya dari perkuliahan hingga kerja saja yang saya belikan berbentuk outer
kebaya, sehingga mereka pun bebas memilih pakaian apa yang akan dikenakannya
nanti.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Cincin
Kawin. Ini wajib ga ya? Hehe. Kalau mau murah ya ga perlu maksa pake cincin
emas berlian, hihi.. tapi ini tanggung jawab utama si Pria ya.. </span><span style="font-family: Wingdings; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-char-type: symbol; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-symbol-font-family: Wingdings;"><span style="mso-char-type: symbol; mso-symbol-font-family: Wingdings;">J</span></span><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;"><o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Make
Up Artist (MUA). MUA yang beken pastilah mahal. Kalau mau murah bisa cari MUA
yang ga gitu ngetop, pinter-pinter milih aja mana yang cocok. Bisa juga nekan
biaya dengan mengurangi jumlah orang yang didandani mungkin ya, misal cukup
dandanin pengantinnya aja, yang lain dandan sendiri aja.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Fotografer
dan Videografer. Paket foto dan video nikahan ini beragam sekali harganya.
Video biasanya lebih mahal dari foto. Fotografer ini banyak banget sebenarnya,
yang profesional ada, yang freelance juga ada. Apalagi zaman sekarang
biasanya pada jadiin Instagram sebagai portfolionya, makin gampang nyari
fotografer bagus dengan biaya terjangkau.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Foto Prewedding.
Masih soal foto, foto prewedding ini bisa banget dipangkas biayanya.
Ga foto prewedding pun tidak apa-apa. Foto sendiri dengan setup tripod
juga bisa dan saya gunakan metode ini untuk menekan budget.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Undangan
Pernikahan. Ini juga bisa banget dihemat. Percayalah sebagian besar undangan
pernikahan yang dicetak itu berakhir di tempat sampah, hihi. Tambah lagi zaman
sekarang orang-orang sudah lebih familiar dengan undangan via dunia maya, bisa
dipertimbangkan juga untuk mengurangi biaya cetak undangan. Kalau saya dan
pasangan, memilih desain undangannya, mencari bahan mentahnya, proses cetak,
sampai tahan gunting-lipat-lem juga dikerjakan sendiri. Repot dan memakan waktu
1 bulan 2 minggu karena kami dua-duanya bekerja, dan setelah pulang kerja kami
sibuk dirumah masing-masing untuk lem-leman. Repot sih iya, tapi inilah yang
jadi kenangan buat kami berdua, kalau lagi berantem bisa ketawa-tawa sendiri
karena kita sibuknya melebihi tukang cetak undangan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 27.0pt; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -27.0pt;">
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Seserahan.
Untuk hal ini, harusnya bisa dicicil 1 tahun sebelum menikah jika terbentur
masalah dana. Saya juga melakukan hal ini, dan ikut membantu meringankan beban
si pria, karena budget untuk hal ini lumayan dan tidak bisa disepelekan juga. Yang
utama untuk mahar, tetap beban utama si Pria. Untuk hal-hal kecil, seperti
seperangkat make-up dan peralatan mandi. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 27.0pt; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -27.0pt;">
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Kamar
Pengantin. Saya ga tahu seberapa penting, mengisi kamar pengantin dengan
perabotannya dan dihias-hias jadi hal yang harus disiapkan juga. Bisa habis
juta-juta juga kalau mau yang wow. Dan sebenarnya masih bisa dihemat dengan
beli perabotan yang terjangkau dan sewa dekorasinya aja ketimbang bikin.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 27.0pt; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -27.0pt;">
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Souvenir
Pernikahan. Waktu saya kecil dulu kalau ada nikahan di kampung saya, ga ada lho
yang kasih souvenir. Zaman sekarang sih udah beda, haha. Kalau merasa ga enak banget
ga ngasih souvenir, bisa siapin souvenir yang murah meriah aja. Kalau di
Jakarta, kalian bisa kunjungi sampai puas di Jatinegara, Asemka, Tebet. Tapi
sebelum jam 4 sore ya, karena rata-rata kalau diatas jam 4 sore, toko-tokonya
sudah mulai sepi dan khawatir harganya berbeda (yaps.. ajimumpung).<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Buku
Tamu. Ini saya ga paham seberapa penting, tapi menurut saya ga penting-penting
amat, wkwk. Yang dijual dengan harga terjangkau juga banyak,<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Hiburan.
Kayaknya resepsi nikahan itu hampa ya kalau ga ada iringan musik. Tapi kalau
salah pilih, yang ada bikin sakit kuping dan bikin ga nyaman tamu sih, hihi.
Mau murah meriah? Bisa dengan MP3 dari laptop aja kok, jadi cuma nyewa sound
system.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Premarital
Check Up. Ini balik lagi ke masing-masing, merasa butuh atau tidak. Kalau
memang ga ada biayanya, skip aja ga apa-apa kok. Paling bahas aja
sama calon pasangan kalau begini begitu nanti gimana.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Perawatan
Pranikah. Ini ga wajib juga sebenarnya, bisa skip juga. Perawatan
sendiri di rumah juga bisa.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Hotel/Penginapan
Keluarga. Ini biasanya mesti disiapkan juga untuk keluarga besar sendiri
ataupun keluarga besar pasangan jika daerah asalnya berjauhan.<o:p></o:p></span></div>
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</span></span></span><!--[endif]--><span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Wedding
Package. Untuk hal ini lebih praktis, fungsinya hamper mirip dengan Wedding
Organizer, hanya saja untuk persoalan undangan, souvenir sampai proses KUA
mereka tidak terlibat. Biasanya dengan wedding package kita sudah difasilitasi
dengan yang sudah bekerjasama dengan pihak mereka. Nah, saya dan pasangan
memilih wedding package sebagai bala bantuan. Karena ditempat tinggal saya,
sangat jauh dari yang namanya Sanggar, Photographer, Makeup-Salon Pengantin,
Sound System Rental, dll. Hanya bedanya dengan WO, kita sendiri yang temui satu
per satu dan diskusi secara langsung ke pihak-pihak tersebut. Untuk urusan sewa
kotak angpaw, beli buku tamu, dekorasi, sampai hias pelaminan sudah tersedia pula.
Kebetulan saya banyak mimpi dan ingin ini itu untuk proses pernikahan saya.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Apa lagi ya? Ada yang mau menambahkan?<o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Saya yakin tiap orang pasti punya impian acara nikahannya
seperti apa, tapi ada berbagai kendala yang membuat kita tidak bisa
merealisasikan semuanya. Budget hanya sebagian saja. Kadang ada yang
pengennya sederhana aja, tapi ditentang keluarga. Dan kendala-kendala lain yang
saya ga tahu apa.<o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;"><br /></span></div>
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<span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Terlepas dari semua itu, seperti apapun acara nikahan orang, ga
sepantasnya kita jadikan bahan lawakan apalagi hinaan. Mending kita doakan saja
agar pernikahannya dilimpahi keberkahan. Doakan yang baik-baik biar kebaikan
yang sama juga balik ke kita nantinya.<o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Buat yang mau nikah tapi masih merasa terkendala budget,
bisa pertimbangkan untuk menekan biaya pernikahannya. Ga usah terlalu mikirin
kira-kira gimana kata tamunya nanti. Tapi kalau masih mau lanjut nyariin
dananya dulu juga silakan aja sih, hehe. Nanti ga usah pasang ekspektasi
terlalu tinggi sehingga kalau ada yang ga sesuai nantinya jadinya ga
kecewa-kecewa amat. A wedding is only the beginning. Perjalanan ke
depannya masih panjang.<o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;"><br /></span></div>
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<span style="color: #ff0066; font-family: "Century Schoolbook","serif"; font-size: 14.0pt; line-height: 107%; mso-bidi-font-size: 11.0pt;">Semangat ya buat yang mau nikah! Semoga dimudahkan dan
dilancarkan semuanya.<o:p></o:p></span></div>
<br /><br />
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-24982095189689420312019-04-17T19:19:00.000+07:002019-04-17T19:20:51.672+07:00Bridal Shower with Love<br />
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<span style="color: #ff6699; font-family: "rosewood std regular"; font-size: 36.0pt; line-height: 150%;">Bridal Shower<o:p></o:p></span></div>
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<span style="color: #ff6699; font-family: "rosewood std regular"; font-size: 36.0pt; line-height: 150%;">with Love<o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "cooper black" , "serif"; mso-style-textfill-fill-gradientfill-shade-linearshade-angle: 0; mso-style-textfill-fill-gradientfill-shade-linearshade-fscaled: no; mso-style-textfill-fill-gradientfill-shadetype: linear; mso-style-textfill-fill-gradientfill-stoplist: "0 \#A00035 -1 100000 shade=30000 satm=115000\,50000 \#E60051 -1 100000 shade=67500 satm=115000\,100000 \#FF0062 -1 100000 shade=100000 satm=115000"; mso-style-textfill-type: gradient;">Hi
Blogger,<o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "cooper black" , "serif"; mso-style-textfill-fill-gradientfill-shade-linearshade-angle: 0; mso-style-textfill-fill-gradientfill-shade-linearshade-fscaled: no; mso-style-textfill-fill-gradientfill-shadetype: linear; mso-style-textfill-fill-gradientfill-stoplist: "0 \#A00035 -1 100000 shade=30000 satm=115000\,50000 \#E60051 -1 100000 shade=67500 satm=115000\,100000 \#FF0062 -1 100000 shade=100000 satm=115000"; mso-style-textfill-type: gradient;">Baru
bisa ketik ketikan lagi hari ini, dan sekalinya ngetik, obrolannya tentang
bridal shower...<o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "cooper black" , "serif"; mso-style-textfill-fill-gradientfill-shade-linearshade-angle: 0; mso-style-textfill-fill-gradientfill-shade-linearshade-fscaled: no; mso-style-textfill-fill-gradientfill-shadetype: linear; mso-style-textfill-fill-gradientfill-stoplist: "0 \#A00035 -1 100000 shade=30000 satm=115000\,50000 \#E60051 -1 100000 shade=67500 satm=115000\,100000 \#FF0062 -1 100000 shade=100000 satm=115000"; mso-style-textfill-type: gradient;">Yaps,
ini foto-foto yang terdokumentasikan di Bridal Shower ku sebelum ke jenjang
selanjutnya.. eaa<o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "cooper black" , "serif"; mso-style-textfill-fill-gradientfill-shade-linearshade-angle: 0; mso-style-textfill-fill-gradientfill-shade-linearshade-fscaled: no; mso-style-textfill-fill-gradientfill-shadetype: linear; mso-style-textfill-fill-gradientfill-stoplist: "0 \#A00035 -1 100000 shade=30000 satm=115000\,50000 \#E60051 -1 100000 shade=67500 satm=115000\,100000 \#FF0062 -1 100000 shade=100000 satm=115000"; mso-style-textfill-type: gradient;">Sebelumnya
makasih banyak buat teman-teman ku.. kinyis-kinyis.. sahabat lama ku. Yang
sudah meluangkan waktunya untuk buat acara ini, meskipun katanya sederhana tapi
ini sangat berkesan buat ku.. <o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "cooper black" , "serif"; mso-style-textfill-fill-gradientfill-shade-linearshade-angle: 0; mso-style-textfill-fill-gradientfill-shade-linearshade-fscaled: no; mso-style-textfill-fill-gradientfill-shadetype: linear; mso-style-textfill-fill-gradientfill-stoplist: "0 \#A00035 -1 100000 shade=30000 satm=115000\,50000 \#E60051 -1 100000 shade=67500 satm=115000\,100000 \#FF0062 -1 100000 shade=100000 satm=115000"; mso-style-textfill-type: gradient;">Makasih
banyak buat Bunda Annie, Kak Mala, Kak Dyka, dan Meno si pengantin baru sudah
meluangkan waktunya untuk buat acara ini. I love you all...<o:p></o:p></span></div>
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<span style="color: #ff0066; font-family: "cooper black" , "serif"; mso-style-textfill-fill-gradientfill-shade-linearshade-angle: 0; mso-style-textfill-fill-gradientfill-shade-linearshade-fscaled: no; mso-style-textfill-fill-gradientfill-shadetype: linear; mso-style-textfill-fill-gradientfill-stoplist: "0 \#A00035 -1 100000 shade=30000 satm=115000\,50000 \#E60051 -1 100000 shade=67500 satm=115000\,100000 \#FF0062 -1 100000 shade=100000 satm=115000"; mso-style-textfill-type: gradient;">Buat
kenangan ini bisa lebih indah, untuk itulah di posting ke blog ku. . . </span><span style="color: #ff0066; font-family: "webdings"; mso-ascii-font-family: "Cooper Black"; mso-char-type: symbol; mso-hansi-font-family: "Cooper Black"; mso-style-textfill-fill-gradientfill-shade-linearshade-angle: 0; mso-style-textfill-fill-gradientfill-shade-linearshade-fscaled: no; mso-style-textfill-fill-gradientfill-shadetype: linear; mso-style-textfill-fill-gradientfill-stoplist: "0 \#A00035 -1 100000 shade=30000 satm=115000\,50000 \#E60051 -1 100000 shade=67500 satm=115000\,100000 \#FF0062 -1 100000 shade=100000 satm=115000"; mso-style-textfill-type: gradient; mso-symbol-font-family: Webdings;"></span><span style="color: #ff0066; font-family: "webdings"; mso-ascii-font-family: "Cooper Black"; mso-char-type: symbol; mso-hansi-font-family: "Cooper Black"; mso-style-textfill-fill-gradientfill-shade-linearshade-angle: 0; mso-style-textfill-fill-gradientfill-shade-linearshade-fscaled: no; mso-style-textfill-fill-gradientfill-shadetype: linear; mso-style-textfill-fill-gradientfill-stoplist: "0 \#A00035 -1 100000 shade=30000 satm=115000\,50000 \#E60051 -1 100000 shade=67500 satm=115000\,100000 \#FF0062 -1 100000 shade=100000 satm=115000"; mso-style-textfill-type: gradient; mso-symbol-font-family: Webdings;">YYY</span><span style="color: #ff0066; font-family: "cooper black" , "serif"; mso-style-textfill-fill-gradientfill-shade-linearshade-angle: 0; mso-style-textfill-fill-gradientfill-shade-linearshade-fscaled: no; mso-style-textfill-fill-gradientfill-shadetype: linear; mso-style-textfill-fill-gradientfill-stoplist: "0 \#A00035 -1 100000 shade=30000 satm=115000\,50000 \#E60051 -1 100000 shade=67500 satm=115000\,100000 \#FF0062 -1 100000 shade=100000 satm=115000"; mso-style-textfill-type: gradient;"><o:p></o:p></span></div>
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<br /></div>
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<br />
<div align="center" class="MsoNormal" style="line-height: 24px; text-align: center;">
<span style="color: #ff6699; font-family: "rosewood std regular"; font-size: 36pt; line-height: 72px;">I LOVE YOU<o:p></o:p></span></div>
<div align="center" class="MsoNormal" style="line-height: 24px; text-align: center;">
<span style="color: #ff6699; font-family: "rosewood std regular"; font-size: 36pt; line-height: 72px;">GENK KINYIS-KINYIS</span></div>
<div align="center" class="MsoNormal" style="line-height: 24px; text-align: center;">
<span style="color: #ff6699; font-family: "rosewood std regular"; font-size: 36pt; line-height: 72px;"><br /></span></div>
<div align="center" class="MsoNormal" style="line-height: 24px; text-align: center;">
<span style="color: #ff6699; font-family: "rosewood std regular"; font-size: 36pt; line-height: 72px;">THANK YOU </span><span style="font-size: x-large;"><span style="color: #ff0066; font-family: "webdings"; text-align: justify;"></span><span style="color: #ff0066; font-family: "webdings"; text-align: justify;">YYY</span></span></div>
hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-85555961543457930122018-04-16T10:21:00.000+07:002018-04-16T10:50:01.103+07:00Menampilkan atau Menyembunyikan Nilai Nol<br />
<div align="center" class="MsoNormal" style="text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 55.0pt; line-height: 107%;">Menampilkan atau Menyembunyikan Nilai Nol<o:p></o:p></span></b><br />
<div class="separator" style="clear: both; text-align: center;">
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<i style="text-align: justify;"><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 14.0pt;">Terapkan Ke: Excel 2016 Excel
2013 Excel 2010 Excel 2007</span></i></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<i><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 14.0pt;"><br /></span></i></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<a href="https://www.blogger.com/null" name="__top"></a><a href="https://www.blogger.com/null" name="bmbacktotop"></a><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Anda mungkin memiliki
preferensi pribadi untuk menampilkan nilai nol dalam sel, atau Anda mungkin
menggunakan lembar bentang yang mengikuti ke sekumpulan standar pemformatan
yang mengharuskan Anda menyembunyikan nilai nol. Ada beberapa cara untuk menampilkan
atau menyembunyikan nilai nol.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Terkadang Anda mungkin tidak
menginginkan nilai nol (0) tampil pada lembar kerja Anda, terkadang Anda perlu
membuatnya terlihat. Terdapat beberapa cara untuk membuat nilai nol muncul atau
tersembunyi, baik jika Anda memformat standar atau preferensi.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<b><span style="background: yellow; color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Menyembunyikan atau menampilkan
semua nilai nol di lembar kerja</span></b><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Klik <b>File</b> > <b>Opsi</b> > <b>Tingkat
Lanjut</b>.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Di bawah <b>Tampilkan
opsi untuk lembar kerja ini</b>, pilih lembar kerja, lalu lakukan salah satu
hal berikut:<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-list: l2 level2 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "courier new"; font-size: 10.0pt;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Untuk menampilkan nilai nol (0) dalam sel, pilih kotak centang <b>Perlihatkan
nol dalam sel yang memiliki nilai nol</b>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-list: l2 level2 lfo2; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "courier new"; font-size: 10.0pt;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Untuk menampilkan nilai nol (0) sebagai sel kosong, kosongkan kotak
centang <b>Perlihatkan nol dalam sel yang memiliki nilai nol</b>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<b><span style="background: yellow; color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Menyembunyikan nilai nol dalam
sel yang dipilih</span></b><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Langkah ini menyembunyikan nilai nol dalam sel yang dipilih dengan
menggunakan format angka. Nilai yang disembunyikan hanya muncul di bilah rumus
dan tidak dicetak. Jika nilai dalam salah satu sel ini berubah ke nilai bukan
nol, nilai akan ditampilkan dalam sel, dan format nilai akan sama dengan format
angka umum.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Pilih sel yang berisi
nilai nol (0) yang ingin Anda sembunyikan.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Anda dapat
menekan <b>Ctrl+1</b>, atau pada tab <b>Beranda</b>, klik <b>Format</b> > <b>Format
Sel</b>.<o:p></o:p></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJ50bl4yIKj0x7V3O1W7qVXXRfsYSuEwnlW5jefLuhTF7dYft_Mp7zRfT72sb98-C1B0Jkdt4xSWQJeR4beC6i-aCu62zLvsHVuMuqsR2rX4xv8oAQu87_pm1kygyYqPgnxhjKWodMMqA/s1600/1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="91" data-original-width="146" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJ50bl4yIKj0x7V3O1W7qVXXRfsYSuEwnlW5jefLuhTF7dYft_Mp7zRfT72sb98-C1B0Jkdt4xSWQJeR4beC6i-aCu62zLvsHVuMuqsR2rX4xv8oAQu87_pm1kygyYqPgnxhjKWodMMqA/s1600/1.jpg" /></a></div>
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<span style="color: #002060; mso-fareast-language: IN; mso-no-proof: yes;"><!--[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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<o:lock v:ext="edit" aspectratio="t"/>
</v:shapetype><v:shape id="Picture_x0020_2" o:spid="_x0000_i1026" type="#_x0000_t75"
alt="Format Sel pada tab Beranda" style='width:111pt;height:68.25pt;
visibility:visible;mso-wrap-style:square'>
<v:imagedata src="file:///C:\Users\HANA~1.LID\AppData\Local\Temp\msohtmlclip1\01\clip_image001.jpg"
o:title="Format Sel pada tab Beranda"/>
</v:shape><![endif]--><!--[if !vml]--><!--[endif]--></span><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Klik <b>Angka
> Kustom</b>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo3; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Di kotak <b>Tipe</b>,
ketikkan <b>0;;;@</b>, lalu klik <b>OK</b>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<b><span style="background: yellow; color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Untuk menampilkan nilai yang
disembunyikan</span></b><span style="background: yellow; color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">:</span><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level1 lfo4; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Pilih sel dengan nol
yang disembunyikan.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level1 lfo4; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Anda dapat
menekan <b>Ctrl+1</b>, atau di tab <b>Beranda</b>, klik <b>Format
> Format Sel</b>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level1 lfo4; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Klik <b>Angka
> Umum</b> untuk menerapkan format angka default, lalu klik <b>OK</b>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<b><span style="background: yellow; color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Menyembunyikan nilai nol yang
dikembalikan oleh rumus</span></b><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l5 level1 lfo5; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Memilih sel yang
berisi nilai nol (0).<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l5 level1 lfo5; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Di tab <b>Beranda</b>,
klik panah di samping <b>Pemformatan Bersyarat > Aturan Penyorotan Sel
Sama Dengan</b>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l5 level1 lfo5; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Dalam kotak sebelah
kiri, ketikkan <b>0</b>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l5 level1 lfo5; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Di kotak sebelah
kanan, pilih <b>Format Kustom</b>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l5 level1 lfo5; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Dalam kotak <b>Format
Sel</b>, klik tab <b>Font</b>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l5 level1 lfo5; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Dalam kotak <b>Warna</b>,
pilih putih, lalu klik <b>OK</b>.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<b><span style="background: yellow; color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Menampilkan nol sebagai kosong
atau tanda hubung</span></b><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Gunakan <a href="https://support.office.com/id-id/article/fungsi-if-69aed7c9-4e8a-4755-a9bc-aa8bbff73be2"><span style="color: #002060; text-decoration: none;">Fungsi IF</span></a> untuk
melakukan hal ini.<o:p></o:p></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOynG3XKMkGVqy_9moHIpOL0jsnoGdILKcaJtKzXN1hqRLEztl16bWCGkvvby-Au2DXcwGICDwvJQ0VG8liaa8Lqne2ORH5zSxBxpp_ex_Ske9j-6Z5pkzyehYs7c3TjwVV8n_oglMad4/s1600/2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="96" data-original-width="167" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOynG3XKMkGVqy_9moHIpOL0jsnoGdILKcaJtKzXN1hqRLEztl16bWCGkvvby-Au2DXcwGICDwvJQ0VG8liaa8Lqne2ORH5zSxBxpp_ex_Ske9j-6Z5pkzyehYs7c3TjwVV8n_oglMad4/s1600/2.jpg" /></a></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Gunakan rumus seperti ini untuk mengembalikan sel kosong ketika nilainya
nol:<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">=IF(A2-A3=0,””,A2-A3)<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Inilah cara membaca rumusnya. Jika 0 adalah hasil dari (A2-A3), jangan
tampilkan 0, namun tampilkan kosong (ditunjukkan dengan tanda kutip ganda “”).
Jika tidak benar, tampilkan hasil A2-A3. Jika Anda tidak ingin sel kosong namun
ingin menampilkan sesuatu selain 0, letakkan tanda hubung “-“ atau karakter
lain di antara tanda kutip ganda.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<b><span style="background: yellow; color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Menyembunyikan nilai nol dalam
laporan PivotTable</span></b><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level1 lfo7; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Klik laporan
PivotTable.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-list: l3 level1 lfo7; text-align: justify; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Pada tab <b>Analisis</b>,
dalam grup <b>PivotTable</b>, klik tanda panah di samping <b>Opsi</b>,
lalu klik <b>Opsi</b>.<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Klik tab <b>Tata
Letak & Format</b>, lalu lakukan salah satu atau beberapa hal berikut:<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: #002060; font-family: "courier new"; font-size: 10.0pt;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><b><i style="mso-bidi-font-style: normal;"><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Mengganti tampilan kesalahan </span></i></b><i style="mso-bidi-font-style: normal;"><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"> </span><b style="mso-bidi-font-weight: normal;"><span style="color: #002060;"><o:p></o:p></span></b></i></div>
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<span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Pilih kotak centang <b>Untuk nilai kesalahan, perlihatkan</b> di
bawah <b>Format</b>. Dalam kotak, ketikkan nilai yang ingin Anda tampilkan
sebagai ganti kesalahan. Untuk menampilkan kesalahan sebagai sel kosong, hapus
setiap karakter dalam kotak.</span><b style="mso-bidi-font-weight: normal;"><span style="color: #002060;"><o:p></o:p></span></b></div>
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<!--[if !supportLists]--><span style="color: #002060; font-family: "courier new"; font-size: 10.0pt;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><b><i style="mso-bidi-font-style: normal;"><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Mengubah tampilan sel kosong </span></i></b><i style="mso-bidi-font-style: normal;"><span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"> </span><b style="mso-bidi-font-weight: normal;"><span style="color: #002060;"><o:p></o:p></span></b></i></div>
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<span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;">Pilih kotak
centang <b>Untuk sel kosong, perlihatkan</b>. Dalam kotak, ketikkan nilai
yang ingin Anda tampilkan di sel kosong. Untuk menampilkan sel kosong, hapus
setiap karakter dalam kotak. Untuk menampilkan nol, kosongkan kotak centang.</span></div>
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<i><span style="color: red;"><span style="font-family: "jasmineupc" , serif; text-align: justify;">Sumber : </span><span style="font-family: "jasmineupc" , serif;">https://support.office.com/id-id/article/menampilkan-atau-menyembunyikan-nilai-nol-3ec7a433-46b8-4516-8085-a00e9e476b03</span></span></i><br />
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<span style="color: #002060; font-family: "jasmineupc" , serif; font-size: 19.0pt;"><br /></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4SxZegHzHt_wuh8nVhFvi6vDL54iOVQPf3L5KspTxS7BObayIbbb9rhHfJRTMsJRMhx5tUdll07IGuoepNGK6XdOhn8ZtoyZoVa2_eZ2j1rJeeDHNMOVleKbpi7uEBTEcG-U5Wwx-Ix0/s1600/bye_bye.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4SxZegHzHt_wuh8nVhFvi6vDL54iOVQPf3L5KspTxS7BObayIbbb9rhHfJRTMsJRMhx5tUdll07IGuoepNGK6XdOhn8ZtoyZoVa2_eZ2j1rJeeDHNMOVleKbpi7uEBTEcG-U5Wwx-Ix0/s320/bye_bye.gif" width="289" /></a></div>
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<b style="color: red; font-family: georgia, "times new roman", serif;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%"><br /></marquee></b><b style="color: red; font-family: georgia, "times new roman", serif;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%"><br /></marquee></b>hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-68061515494651078592018-04-04T09:04:00.000+07:002018-04-04T09:05:13.961+07:00Check this Out | Fitur Tersembunyi Facebook yang Masih Jarang Kamu Tahu<div class="article-title" style="background-color: white; box-sizing: border-box; color: #333333; font-family: Montserrat, Helvetica, Arial, sans-serif; font-size: 18px; letter-spacing: -0.342px;">
<h1 class="title" style="box-sizing: border-box; font-family: bitter, georgia, times, serif; font-size: 26px; line-height: 1.42857; margin: 0.67em 0px 0px; text-align: center;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg67raddCbk1-RnFSFV7vZHVg0qbWWagkyOgHfkQvrPFB7nWc5fNCusWu1Z9d8crsvZGS86UALlzflVpY-ZV0NDsHaLGVWjV32Ph_shIb-Nq_5XXqgGvuu4iBfsUcqeWAPgbDdOUFjfZjc/s1600/000.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="422" data-original-width="750" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg67raddCbk1-RnFSFV7vZHVg0qbWWagkyOgHfkQvrPFB7nWc5fNCusWu1Z9d8crsvZGS86UALlzflVpY-ZV0NDsHaLGVWjV32Ph_shIb-Nq_5XXqgGvuu4iBfsUcqeWAPgbDdOUFjfZjc/s400/000.jpg" width="400" /></a></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12pt; letter-spacing: -0.342px;">Majunya
teknologi gawai dan mudahnya akses internet membuat kita susah lepas dari media
sosial. Media sosial memang gak pernah habis buat dibahas, mulai
dari </span><a href="https://www.hipwee.com/hiburan/bermacam-tingkah-laku-pengguna-media-sosial-yang-bikin-kzl/" style="font-family: "Bookman Old Style", serif; font-size: 12pt; letter-spacing: -0.342px;" target="_blank" title="Bermacam Tingkah Laku Pengguna Media Sosial yang Bikin KZL"><span style="color: #002060;">kelakuan penggunanya yang ajaib</span></a><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12pt; letter-spacing: -0.342px;"> sampai </span><a href="https://www.hipwee.com/inspirasi/hal-hal-baik-yang-terjadi-ketika-kamu-meninggalkan-media-sosial/" style="font-family: "Bookman Old Style", serif; font-size: 12pt; letter-spacing: -0.342px;" target="_blank" title="Hal-Hal Baik yang Terjadi Ketika Kamu Meninggalkan Media Sosial"><span style="color: #002060;">hal-hal positif saat kamu menutup medsosmu</span></a><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12pt; letter-spacing: -0.342px;">. Nah,
sebagai salah satu media sosial terbesar, Facebook punya jasa besar untuk
menghubungkan antar manusia, membagi berita secara luas, serta menjadi album
foto pribadimu.</span></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12.0pt;">Namun
ternyata, Facebook punya banyak fitur tersembunyi yang mungkin gak kamu ketahui
lho. Fitur-fitur yang belum familiar ini sesungguhnya dirancang buat memudakan
hidupmu. Apa sajakah? Simak bareng-bareng yuk.<o:p></o:p></span></div>
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<b><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 16.0pt;">1. Menyimpan
Tautan untuk Dibaca Belakangan<o:p></o:p></span></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAKyZMvNVFyyzaiWtTLqrvHjFknFIQEDNwai55OhL6gCaJ5C7IC-slwkgN1Yv6bc-aqy6db_e1nQpZnnBsc-UMCpcNUP1fIT9gPi1WKTQL9CgDJzJaLZO5n2EGtDjrdgG9IiYWToyMRe4/s1600/00.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="549" data-original-width="494" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhAKyZMvNVFyyzaiWtTLqrvHjFknFIQEDNwai55OhL6gCaJ5C7IC-slwkgN1Yv6bc-aqy6db_e1nQpZnnBsc-UMCpcNUP1fIT9gPi1WKTQL9CgDJzJaLZO5n2EGtDjrdgG9IiYWToyMRe4/s320/00.jpg" width="287" /></a></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12pt; letter-spacing: -0.342px;">Ketika
menyusuri linimasa, kadang kita menemukan posting berupa tautan yang sepertinya
menarik, tapi kamu gak sempat membacanya saat itu. Nah, di Facebook terdapat
sebuah fitur yang berfungsi sebagai pembatas halaman atau </span><i style="color: #002060; font-family: "Bookman Old Style", serif; font-size: 12pt; letter-spacing: -0.342px;">bookmark</i><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12pt; letter-spacing: -0.342px;"> untuk
tautan-tautan yang ingin kamu baca nanti.</span></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12.0pt;">Caranya, kamu
cukup klik tanda (</span><span style="color: #002060; font-family: "cambria math" , serif; font-size: 12.0pt;">∨</span><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12.0pt;">) di kanan atas tautan yang ingin kamu
simpan, lalu klik “save” atau “simpan.” Nanti, akan muncul ikon “saved”
di <i>home sidebar-</i>mu.<o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgu-V6Jzl99XNsU1eOWjjPyrX3kPg2p74St5uCwsfdf6BrMHrgovIwprfuINagaRHXbJmUEmbfzYH-XYYrD3LiMFOmAbT271Ngoex3KmuXyjq6LoX43VvbloiucVlX3cwKRU2bzqx4AHyM/s1600/0.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="400" data-original-width="425" height="301" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgu-V6Jzl99XNsU1eOWjjPyrX3kPg2p74St5uCwsfdf6BrMHrgovIwprfuINagaRHXbJmUEmbfzYH-XYYrD3LiMFOmAbT271Ngoex3KmuXyjq6LoX43VvbloiucVlX3cwKRU2bzqx4AHyM/s320/0.jpg" width="320" /></a></div>
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<b style="letter-spacing: -0.342px;"><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 16.0pt;"><br /></span></b></div>
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<b style="letter-spacing: -0.342px;"><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 16.0pt;">2. Melekatkan
(<i>embed</i>) konten dari Facebook ke laman lain</span></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitkWkvYzvSvUuvS5acBc4K2CupiHrNkvzmq1c1_diVutEw_ggQ4H33GUHwz76kK4axMcbKRBY4MZHFWvpFu2ifQLTixSxpRbJhOPJwNvEXTiAQHCgR72F5G5QxVM1BwByi9PfAU54gErk/s1600/1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="561" data-original-width="640" height="280" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEitkWkvYzvSvUuvS5acBc4K2CupiHrNkvzmq1c1_diVutEw_ggQ4H33GUHwz76kK4axMcbKRBY4MZHFWvpFu2ifQLTixSxpRbJhOPJwNvEXTiAQHCgR72F5G5QxVM1BwByi9PfAU54gErk/s320/1.jpg" width="320" /></a></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12pt; letter-spacing: -0.342px;">Kalau kamu
pengen melekatkan sebuah postingan facebook di website atau blogmu, gak perlu
bingung. Gampang kok, di postingan yang ingin kamu lekatkan, kamu tinggal klik
tanda (</span><span style="color: #002060; font-family: "cambria math" , serif; font-size: 12pt; letter-spacing: -0.342px;">∨</span><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12pt; letter-spacing: -0.342px;">) di pojok kanan postingan, lalu
pilih <i>embed post</i>. <i>Embed code</i> yang kamu perlukan
akan muncul. Tinggal <i>copy-paste</i> aja ke situs web atau blog
yang ingin kamu pasang.</span></div>
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<b><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 16.0pt;">3. Mengetahui
aktivitas seseorang tanpa harus jadi teman lewat tombol <i>“Follow”</i><o:p></o:p></span></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXBjkb8B-763QZ17C0hYihTLTtE0bsVF7Va4UfmDqzDKXJAaXCUn19cWnLhB2prWWW3QyEBhrJHrfUnXyyM4K-LAjff5FPz6HAz-aGc9TMI6TUDD1OHskaaNAimqLuCvwqghgGgqUQ3WE/s1600/2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="353" data-original-width="850" height="264" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhXBjkb8B-763QZ17C0hYihTLTtE0bsVF7Va4UfmDqzDKXJAaXCUn19cWnLhB2prWWW3QyEBhrJHrfUnXyyM4K-LAjff5FPz6HAz-aGc9TMI6TUDD1OHskaaNAimqLuCvwqghgGgqUQ3WE/s640/2.jpg" width="640" /></a></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12pt; letter-spacing: -0.342px;">Alih-alih
menambahkan seseorang sebagai teman alias </span><i style="color: #002060; font-family: "Bookman Old Style", serif; font-size: 12pt; letter-spacing: -0.342px;">add friend</i><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12pt; letter-spacing: -0.342px;">, kamu bisa
mengikuti update orang tersebut menggunakan tombol </span><i style="color: #002060; font-family: "Bookman Old Style", serif; font-size: 12pt; letter-spacing: -0.342px;">follow</i><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12pt; letter-spacing: -0.342px;"> jika
yang bersangkutan mengaktifkan fitur tersebut. Fitur ini bisa bermanfaat jika
orang yang kamu tuju sudah mencapai batas teman yang diperbolehkan, atau dia
gak membalas permintaanmu untuk berteman di FB. Tapi, jangan dipake buat
stalking ya!</span></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12.0pt;">Nah, kalo
kamu mau mengaktifkan fitur follow di akunmu, gampang kok, masuk saja ke
pengaturan atau <i>setting</i> > pengikut/<i>followers, </i>lalu
pilih semua orang atau <i>everybody</i>.<o:p></o:p></span></div>
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<b><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 16.0pt;">4. Mengunduh
semua aktivitasmu di Facebook.<o:p></o:p></span></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7Kqi5pCZjFn8FCxPTTSEqqoawS21h1F1hM6vWNPPmannHwLgiadisLXd2Gn7kkC4rTOBTB48zmqolSqTbOlm7wtxc9Fv2wfjaI1dVJqGCvDGE0fx9iGNQ2rMXGBl4Tfm7a1ISBq75MN4/s1600/4.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="325" data-original-width="850" height="243" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7Kqi5pCZjFn8FCxPTTSEqqoawS21h1F1hM6vWNPPmannHwLgiadisLXd2Gn7kkC4rTOBTB48zmqolSqTbOlm7wtxc9Fv2wfjaI1dVJqGCvDGE0fx9iGNQ2rMXGBl4Tfm7a1ISBq75MN4/s640/4.jpg" width="640" /></a></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12.0pt;">Kamu bisa
mengarsipkan semua aktivitas yang pernah kamu lakukan selama menggunakan
Facebook. Caranya gampang: masuk ke pengaturan/<i>setting</i> > umum/<i>general</i> lalu
klik unduh salinan data Facebook. Siap-siap aja ngakak melihat
postingan-postingan alay kamu zaman dulu!<o:p></o:p></span></div>
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<b><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 16.0pt;">5. Tab <i>“other”</i>,
kotak pesan yang sering terabaikan<o:p></o:p></span></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjiMMljNJRXivRbd2bmXiLxcRRIsK33GjhxuXsvjEXpabP9Um3YA1bHdjNdlW7VRwVJ3HuviWW0sKUyf8XQCUEtpqjNEjQ44LFG90eGDAe2eufw7qHm_TJ2hJ_gyHqibPg2pAhIiZCZ62Q/s1600/5.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="483" data-original-width="850" height="181" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjiMMljNJRXivRbd2bmXiLxcRRIsK33GjhxuXsvjEXpabP9Um3YA1bHdjNdlW7VRwVJ3HuviWW0sKUyf8XQCUEtpqjNEjQ44LFG90eGDAe2eufw7qHm_TJ2hJ_gyHqibPg2pAhIiZCZ62Q/s320/5.jpg" width="320" /></a></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12.0pt;">Di inbox,
sebenarnya kamu punya satu tab lain yang terabaikan, yaitu tab <i>other</i>.
Tab ini menyimpan pesan dari orang-orang yang gak terhubung denganmu. Gampang sekali
melewatkan tab ini karena gak ada notifikasinya.<o:p></o:p></span></div>
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<b><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 16.0pt;">6. Melihat
aktivitas yang kamu lakukan bareng pasanganmu dalam satu laman<o:p></o:p></span></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEjB9-xbVAvkd1C-Nj1yAX_58zyJXqguzKvjt970cjWvDn1FZxKWuCCc66DqQlEeQXVI7foJZWtg-CCOcwIk2Kp5XuDXkGdt7lfudc3I-H3mjjvACZMObc0NImZXl_WDmWvkoYx0rXAOg/s1600/6.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="457" data-original-width="705" height="414" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgEjB9-xbVAvkd1C-Nj1yAX_58zyJXqguzKvjt970cjWvDn1FZxKWuCCc66DqQlEeQXVI7foJZWtg-CCOcwIk2Kp5XuDXkGdt7lfudc3I-H3mjjvACZMObc0NImZXl_WDmWvkoYx0rXAOg/s640/6.jpg" width="640" /></a></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12.0pt;">Kalau kamu
mencantumkan status hubungan dengan pasangan di laman Facebook, kamu bisa
melihat aktivitas kalian dengan mengunjungi laman <a href="http://www.facebook.com/us" target="_blank"><span style="color: #002060;">ini</span></a>.
Aktivitas kalian dari awal sampai sekarang bisa kamu lihat kembali, mulai dari
mesra-mesraan, berantem, cuek, sampai mesra lagi. Ya, hitung-hitung nostalgia
deh.<o:p></o:p></span></div>
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<b><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 16.0pt;">7. Mengubah
bahasa menjadi bahasa bajak laut atau bahasa terbalik<o:p></o:p></span></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrgiEKJj8bKdYeh0JhiH7xW_A2o80MvANJJmesTEYUo1-nCS51yIAa-EplbWqzj0Usn4SsFPeuM5T_mH6bRTz-Zy5A7GsZ0XrV_6TB1QDgE8Tvh2XInO1-LpL4krqb4iYhk0yTs_ot978/s1600/7.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="332" data-original-width="850" height="248" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrgiEKJj8bKdYeh0JhiH7xW_A2o80MvANJJmesTEYUo1-nCS51yIAa-EplbWqzj0Usn4SsFPeuM5T_mH6bRTz-Zy5A7GsZ0XrV_6TB1QDgE8Tvh2XInO1-LpL4krqb4iYhk0yTs_ot978/s640/7.jpg" width="640" /></a></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12.0pt;">Buat
lucu-lucuan, kamu bisa mengubah bahasa yang digunakan di akun Facebookmu
menjadi bahasa bajak laut atau membuat susunan huruf-huruf menjadi terbalik.
Caranya sederhana kok, kamu tinggal mengganti bahasa di pengaturan Facebook
menjadi “English (Pirate)” atau “English (Upside Down).”<o:p></o:p></span></div>
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<b><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 16.0pt;">8. Kamu bisa
mengetahui dari mana saja akunmu diakses<o:p></o:p></span></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEii-X9cUcQeDPWEUm8ERK5MFK80Z2XgfVwar_YN1UWH5psGBP6DK_aumtU37MelZazP5MNimruuKqTptCMvuWamkdriYYYBDd5yBsicU07PH2dZ8MZ_GH45PdCc3skL3nk6hOxIed5vAbE/s1600/8.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="485" data-original-width="850" height="364" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEii-X9cUcQeDPWEUm8ERK5MFK80Z2XgfVwar_YN1UWH5psGBP6DK_aumtU37MelZazP5MNimruuKqTptCMvuWamkdriYYYBDd5yBsicU07PH2dZ8MZ_GH45PdCc3skL3nk6hOxIed5vAbE/s640/8.jpg" width="640" /></a></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12.0pt;">Sebagai salah
satu media sosial terkemuka, Facebook bisa diakses dari mana saja dengan
berbagai <i>device, </i>baik itu lewat laptop, PC, Tablet, maupun
ponsel. Nah, kalo kamu ingin mengetahui dari mana saja akunmu <i>online</i>,
kamu bisa memanfaatkan fitur yang terdapat di pengaturan akun. Kamu tinggal
masuk ke pengaturan > keamanan/<i>security </i>> tempat anda masuk/<i>where
you logged in.</i><o:p></o:p></span></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12.0pt;">Fitur ini
akan melacak dari mana saja akunmu diakses dan lewat aplikasi atau browser apa.
Jadi, kalo kamu menemukan akunmu dibajak orang, coba cek ke sini dulu deh.
Terus, fitur ini juga berguna kalo kamu mengakses Facebook lewat komputer umum
atau milik temanmu dan lupa <i>log out. </i>Untuk menghentikan akses,
kamu tinggal menge-klik “akhiri semua aktivitas.”<o:p></o:p></span></div>
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<b><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 16.0pt;">9. Emoji
Spesial<o:p></o:p></span></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1yxmYzZdhaJsQ5Uu7oFi6jTNW1Nl1tlaZyvDkmmhLuL4Nmlp_8lN9t7j9nXAc-nLgFgWSbCQjgzhvvIqDDPIUlaYKbwrLtiFjhRfY8RTELzk2mAQ1h4G7s4FNDHiIb30of3ngIihC9g0/s1600/9.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="239" data-original-width="405" height="188" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1yxmYzZdhaJsQ5Uu7oFi6jTNW1Nl1tlaZyvDkmmhLuL4Nmlp_8lN9t7j9nXAc-nLgFgWSbCQjgzhvvIqDDPIUlaYKbwrLtiFjhRfY8RTELzk2mAQ1h4G7s4FNDHiIb30of3ngIihC9g0/s320/9.jpg" width="320" /></a></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12.0pt;">Di postingan
Facebook, kamu bisa menambahkan emoji biar tulisanmu lebih ekspresif. Facebook
akan otomatis mengubah emotikon umum yang kamu gunakan menjadi emoji. Tapi,
selain emoji yang umum, kamu juga bisa menggunakan emoji spesial lho, antara
lain:<o:p></o:p></span></div>
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<i><span style="color: #002060; font-family: "bookman old style" , serif; mso-bidi-font-family: Arial; mso-bidi-font-size: 11.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">(y) = simbol jempol/suka<br />
(^^^) = hiu<br />
:|] = robot<br />
:poop: = kotoran<br />
<(“) = penguin<o:p></o:p></span></i></div>
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<i><span style="color: #002060; font-family: "bookman old style" , serif; mso-bidi-font-family: Arial; mso-bidi-font-size: 11.5pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;"><br /></span></i></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12.0pt;">Selain
beberapa emoji di atas, masih banyak lagi emoji spesial yang bisa kamu gunakan.
Lengkapnya bisa kamu lihat di <a href="http://www.symbols-n-emoticons.com/p/facebook-emoticons-list.html" target="_blank"><span style="color: #002060;">sini</span></a>.<o:p></o:p></span></div>
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<b><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 16.0pt;">10. Berbagi
file lewat Facebook Chat<o:p></o:p></span></b></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12pt; letter-spacing: -0.342px;">Jangan cuma
menggunakan Facebook Chat buat ngobrol aja. Kamu bisa lho, berbagi beragam
jenis file, seperti MS Office document, excel, bahkan sampai file </span><i style="color: #002060; font-family: "Bookman Old Style", serif; font-size: 12pt; letter-spacing: -0.342px;">photoshop</i><span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12pt; letter-spacing: -0.342px;"> dan
lagu. Kalau kamu membutuhkan respon yang lebih cepat daripada email dan
kebetulan lawan bicaramu juga online di Facebook, mentransfer file via Facebook
Chat bisa jadi alternatif yang layak dicoba.</span></div>
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<span style="color: #002060; font-family: "bookman old style" , serif; font-size: 12.0pt;">Nah,
fitur-fitur di atas lumayan bermanfaat untuk memperkaya pengalamanmu dalam
berselancar di linimasa Facebook bukan? Apakah kamu sudah memanfaatkan seluruh
fitur Facebook dengan maksimal?<o:p></o:p></span></div>
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</h1>
</div>
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<div style="box-sizing: border-box;">
<div style="background-color: white; color: #585858; font-family: notosans; font-size: 14px; letter-spacing: -0.342px; text-align: justify;">
<i><b>Sumber:</b></i></div>
<div style="background-color: white; text-align: justify;">
<span style="color: #585858; font-family: "notosans";"><span style="font-size: 14px; letter-spacing: -0.342px;"><i><b>http://www.hipwee.com/tips/ini-dia-berbagai-fitur-tersembunyi-facebook-yang-masih-jarang-diketahui/?ref=terkait_single</b></i></span></span></div>
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<br /></div>
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<br /></div>
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<br /></div>
</div>
</div>
<br />
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com1tag:blogger.com,1999:blog-4242063908701094250.post-9067371652508406462018-04-03T08:33:00.002+07:002018-04-16T10:06:00.666+07:00Belajar itu Harus | Pengertian Auditing<br />
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<span style="font-family: "times new roman" , serif; font-size: 12.0pt; line-height: 200%;">Auditing merupakan salah
satu atestasi. Atestasi, pengertian umu</span><span lang="EN-US" style="font-family: "times new roman" , serif; font-size: 12.0pt; line-height: 200%;">m</span><span style="font-family: "times new roman" , serif; font-size: 12.0pt; line-height: 200%;">nya
merupakan suatu komunikasi dari seorang <i>expert
</i>mengenai kesimpulan tentang realibilitas dari pernyataan seseorang. Menurut
Sukrisno Agoes (2012:4), mendefinisikan auditing sebagai berikut :<o:p></o:p></span></div>
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<span style="font-family: "times new roman" , serif; font-size: 12.0pt;">“Auditing adalah suatu pemeriksaan yang dilakukan secara
kritis dan sistematis, oleh pihak yang independen, terhadap laporan keuangan
yang telah disusun oleh manajemen, beserta catatan-catatan pembukuan dan
bukti-bukti pendukungnya, dengan tujuan untuk dapat memberikan pendapat
mengenai kewajaran laporan keuangan tersebut”<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%;">Sedangkan menurut Elder,
et al (2011:4), menyebutkan :<o:p></o:p></span></div>
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<i><span style="font-family: "times new roman" , serif; font-size: 12.0pt;">“Auditing is the accumulation and evaluation of
evidence about information to determine and report on the degree of
correspondance between the information and established criteria. Auditing
should be done by a competent, independent person”. </span></i><span style="font-family: "times new roman" , serif; font-size: 12.0pt;">(Auditing adalah
akumulasi dan evaluasi bukti tentang informasi dan kriteria yang telah
ditetapkan. Audit harus dilakukan oleh seorang yang kompeten, dan orang yang
independen.)<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%;">Dilihat pendapat dari Konrath dalam Sukrisno Agoes (2012:2),
mendefinisikan auditing sebagai : <o:p></o:p></span></div>
<span style="font-family: "times new roman" , serif; font-size: 12.0pt; line-height: 115%;">“Suatu proses sistematis untuk secara objektif
mendapatkan untuk mengevaluasi bukti mengenai asersi tentang kegiatan-kegatan
dan kejadian-kejadian ekonomi untuk meyakinkan tingkat ditetapkan dan
mengkomunikasikan hasilnya kepada pihak-pihak yang berkepentingan”.</span><br />
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<b style="color: red; font-family: georgia, "times new roman", serif;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%"><br /></marquee></b><b style="color: red; font-family: georgia, "times new roman", serif;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%"><br /></marquee></b>hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-64129291292588641242018-03-25T09:29:00.001+07:002018-03-27T16:49:24.037+07:00Gaji Gak Cukup Tiap bulannya ? Terapkan 50/30/20<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span style="color: #a64d79;"><span style="font-family: "jasmineupc" , serif; font-size: 22pt;">Sering bingung kemana gaji tiap bulannya?
Sering tiba-tiba abis padahal baru gajian? Atau sering dibuat pusing dengan
mengatur setiap pengeluaran tiap bulannya? Sekarang, saatnya kamu lebih cermat
dalam mengatur keuanganmu, guys.</span><span style="font-family: "jasmineupc" , serif; font-size: 24pt;"><o:p></o:p></span></span></div>
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<span style="font-family: "jasmineupc" , serif; font-size: 22pt;"><span style="color: #a64d79;">Ada aturan sederhana yang bisa langsung
kamu coba untuk mengatur keuanganmu setiap bulannya. Aturannya simpel saja,
yaitu dengan menerapkan pola 50/30/20. </span></span><span style="font-family: "jasmineupc" , serif; font-size: 24pt;"><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="color: black; font-family: "symbol"; font-size: 20.0pt; line-height: 150%;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><b><span style="color: black; font-family: "jasmineupc" , serif; font-size: 20.0pt; line-height: 150%;">50% untuk
Kebutuhan Bulanan<o:p></o:p></span></b></div>
<div style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: black; font-family: "jasmineupc" , serif; font-size: 20.0pt; line-height: 150%;">Sisihkan 50% gaji untuk mencukupi berbagai
kebutuhan dan pengeluaran bulanan. Mulai dari biaya listrik, bayar air,
sembako, dan berbagai pengeluaran lainnya yang bersifat bulanan. Membayar
cicilan juga masuk dalam alokasi ini. Separuh gaji coba prioritaskan untuk
hal-hal yang memang sangat penting.<b><o:p></o:p></b></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="color: black; font-family: "symbol"; font-size: 20.0pt; line-height: 150%;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><b><span style="color: black; font-family: "jasmineupc" , serif; font-size: 20.0pt; line-height: 150%;">30% untuk Kebutuhan Hiburan atau Sekunder<o:p></o:p></span></b></div>
<div style="background: white; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="color: black; font-family: "jasmineupc" , serif; font-size: 20.0pt; line-height: 150%;">Alokasikan 30% gaji untuk kebutuhan gaya hidup
atau hiburan. Seperti misalnya biaya untuk nonton film, belanja baju,
jalan-jalan, dan sebagainya. Kalau masih ada sisa, uangnya bisa dialokasikan
untuk dijadikan dana cadangan.<b><o:p></o:p></b></span></div>
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<!--[if !supportLists]--><span style="color: black; font-family: "symbol"; font-size: 20.0pt; line-height: 150%;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><b><span style="color: black; font-family: "jasmineupc" , serif; font-size: 20.0pt; line-height: 150%;">20% untuk
Cadangan</span></b><span style="color: black; font-family: "jasmineupc" , serif; font-size: 20.0pt; line-height: 150%;"><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; text-align: justify;">
<span style="color: black; font-family: "jasmineupc" , serif; font-size: 20.0pt; line-height: 150%;">Sebisa mungkin alokasikan 20% besaran gaji
untuk investasi atau uang cadangan. Bisa dengan ditabung, diinvestasikan, atau
disimpan saja. Uang ini baru bisa digunakan kalau ada kebutuhan mendadak.
Sehingga nantinya juga nggak kelabakan kalau butuh hal-hal yang sifatnya
mendesak.</span><span style="color: black; font-family: "arial" , sans-serif;"> <o:p></o:p></span></div>
<div style="background: white; line-height: 25.2pt; margin-bottom: 22.5pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="font-family: "jasmineupc" , serif; font-size: 22pt;"><br /></span></div>
<div style="background: white; line-height: 25.2pt; margin-bottom: 22.5pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="font-family: "jasmineupc" , serif; font-size: 22pt;"><span style="color: #a64d79;">Itu tadi aturan sederhana untuk mengatur gaji tiap bulannya. Kamu
bisa memodifikasi atau menyesuaikannya sesuai dengan kebutuhan. Intinya sih
penting untuk mengelola keuangan. Biar setiap kali gajian kan keburu bokek
duluan. Semoga tipsnya bermanfaat, guys!</span></span><br />
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<b style="color: red; font-family: georgia, "times new roman", serif;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%"><br /></marquee></b><b style="font-family: georgia, "times new roman", serif;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%"><span style="color: #073763; font-size: xx-small;">sumber : https://www.vemale.com/keuangan/107653-mengatur-gaji-biar-cukup-tiap-bulannya-yuk-terapkan-aturan-50-30-20-ini.html</span></marquee></b>hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-12444759914396155402017-01-30T13:37:00.003+07:002019-08-13T17:07:09.542+07:00Desaign yang Menarik ::PPT Skripsi Akuntansi UK::<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: x-large;"><b><i>Assalamualaikum,</i></b></span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 16pt;">Hai…teman-teman <i>blogger</i>, teman-teman penikmat cerita,
berita dan membaca (lengkap deh pokoknya, hehe </span><span style="font-family: "segoe ui symbol" , sans-serif; font-size: 16pt;">😍</span><span style="font-family: "high tower text" , serif; font-size: 16pt;">)</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span><br />
<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 16pt;"><br /></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 16pt;">Seperti janji saya tempo lalu, saya akan berbagi tentang
desaign <i>slide </i>skripsi. Sebelumnya ada postingan saya beberapa
waktu lalu, tentang <i>template design </i>PPT. Sebenarnya
meskipun kita <i>download </i>beberapa template (baik yang <i>free</i>/<i>no</i>),
tetap saja tidak akan menarik jika dari kita sendiri kurang menguasai <i>design
task</i> yang ada di PPT.</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span><br />
<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 16pt;"><br /></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 16pt;"><b>Sebelum melihat penampakan slide ppt saya, ada sedikit saran yang
bisa dijadikan acuan dalam men-<i>desaign </i>ppt, caranya adalah :</b></span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 16pt;">1.</span><span style="font-family: "times new roman" , serif; font-size: 7pt;"> </span><span style="font-family: "high tower text" , serif; font-size: 16pt;">Ambil
gambar-gambar yang menarik dari search engine</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 16pt;">(bisa
dari : google, wikipedia, blog seseorang)</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 16pt;">2.</span><span style="font-family: "times new roman" , serif; font-size: 7pt;"> </span><span style="font-family: "high tower text" , serif; font-size: 16pt;">Pastikan
gambar yang diambil, sesuai dengan topik pembahasan.</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 16pt;">(mis.
topik nya audit, kita cari gambar animasi audit)</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 14pt;">3.</span><span style="font-family: "times new roman" , serif; font-size: 7pt;"> </span><span style="font-family: "high tower text" , serif; font-size: 16pt;">Tentukan
model tulisan, maksimal 3 (tiga) model tulisan dalam keseluruhan slide di dalam
ppt. (tulisan tegak lurus, jangan melengkung)</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 16pt;">Misalnya
:</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 16pt;">a.</span><span style="font-family: "times new roman" , serif; font-size: 7pt;"> </span><span style="font-family: "high tower text" , serif; font-size: 16pt;">Huruf di
subjudul : Times New Roman (Uk. 22)</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 16pt;">b.</span><span style="font-family: "times new roman" , serif; font-size: 7pt;"> </span><span style="font-family: "high tower text" , serif; font-size: 16pt;">Huruf di
isi slide : Garamond (Uk. 18)</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 16pt;">c.</span><span style="font-family: "times new roman" , serif; font-size: 7pt;"> </span><span style="font-family: "high tower text" , serif; font-size: 16pt;">Huruf di
judul : Trebuchet MS (Uk.
20)</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 14pt;">4.</span><span style="font-family: "times new roman" , serif; font-size: 7pt;"> </span><span style="font-family: "high tower text" , serif; font-size: 14pt;">Masukkan
data presentasi yang dirasa perlu di jelaskan, jangan terlalu banyak tulisan,
ini akan membuat orang jenuh.</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 14pt;">5.</span><span style="font-family: "times new roman" , serif; font-size: 7pt;"> </span><span style="font-family: "high tower text" , serif; font-size: 14pt;">Gunakan
keahlian dalam presentasi berbentuk bagan alir</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 14pt;">6.</span><span style="font-family: "times new roman" , serif; font-size: 7pt;"> </span><span style="font-family: "high tower text" , serif; font-size: 14pt;">Beri
aksen animasi yang statis, tidak berlebihan.</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 14pt;">7.</span><span style="font-family: "times new roman" , serif; font-size: 7pt;"> </span><span style="font-family: "high tower text" , serif; font-size: 14pt;">Tentukan
latar setiap background masing-masing slide.</span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span></span></div>
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<span style="color: #741b47;"><span style="font-family: "high tower text" , serif; font-size: 14pt;">Sekian tipsnya yah, semoga bermanfaat </span><span style="font-family: "segoe ui symbol" , sans-serif; font-size: 14pt;">👌😎</span><span style="font-family: "high tower text" , serif; font-size: 14pt;"> ,
jadilah pribadi yang kreatif agar bisa memberikan hasil yang menarik. Berikut tampilan skripsi ppt ku, selamat mencoba yah </span><span style="font-family: "times new roman" , serif; font-size: 13.5pt;"><o:p></o:p></span><span style="font-family: "segoe ui symbol" , sans-serif; font-size: 21.3333px;">😍</span></span><br />
<span style="color: #741b47;"><span style="font-family: "segoe ui symbol" , sans-serif; font-size: 21.3333px;"><br /></span></span>
<span style="color: #741b47; font-family: "segoe ui symbol" , sans-serif;"><span style="background-color: yellow; font-size: 21.3333px;"><i><b>Jika berminat untuk jasa desaign PPT Skripsi, boleh PM ke komentar dibawah ini. (Tarif bersahabat)</b></i></span></span></div>
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<tr><td style="text-align: center;"><br />
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<div style="text-align: left;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHdvVYmmavX6YJGfNNOvElQ88dwjUoHYOe-FTUdIJ8lHBjI8uyHXVmOf54H7zWsAIRuMA_VQbzSfcOLVP5DjZf4lqjMJFEPigpDtLc8BHPOn9wB78gAK3nN1d2oBPYCkLdi0ppYf8oRJg/s1600/HanaPPT-1.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHdvVYmmavX6YJGfNNOvElQ88dwjUoHYOe-FTUdIJ8lHBjI8uyHXVmOf54H7zWsAIRuMA_VQbzSfcOLVP5DjZf4lqjMJFEPigpDtLc8BHPOn9wB78gAK3nN1d2oBPYCkLdi0ppYf8oRJg/s1600/HanaPPT-1.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b><span style="font-size: small;">Hana-PPT.1 : Tampilan awal sebelum opening presentasi </span></b></td></tr>
</tbody></table>
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<img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_9pkU1Sz65FJGulTw8k-Gxzc7Gri5di8l2sngU5Fxo4ztcTtHakHFLt7Ax9HRzLYeeSHN2me-CvW2Dkev3hYr_bHM0exYQRVwnfpdq5zbGmBLj1FwSo8QpzjK00q9GmB8uxsvHaPed4c/s1600/HanaPPT-2.jpg" style="margin-left: auto; margin-right: auto;" /></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: 12.8px;"><span style="font-size: small;">Hana-PPT.2 : Tampilan kedua saat opening sudah dilakukan (sebagai pengenalan judul)</span></b></td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_9pkU1Sz65FJGulTw8k-Gxzc7Gri5di8l2sngU5Fxo4ztcTtHakHFLt7Ax9HRzLYeeSHN2me-CvW2Dkev3hYr_bHM0exYQRVwnfpdq5zbGmBLj1FwSo8QpzjK00q9GmB8uxsvHaPed4c/s1600/HanaPPT-2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"></a><br /></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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0t4WtiyQGDECcXgcHUZ-FXaHSa6NfcJbSePJH4j-g-2Fh6eYcTTUqI9fp4stn1wYwyqjkBYkFnYKIirUuBj0Vtj_wlkA6hPBLLhBtmf197O-bPExd9-1ZxFnpJVmvyFwlwLqaQZwY0ng/s1600/HanaPPT-3.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0t4WtiyQGDECcXgcHUZ-FXaHSa6NfcJbSePJH4j-g-2Fh6eYcTTUqI9fp4stn1wYwyqjkBYkFnYKIirUuBj0Vtj_wlkA6hPBLLhBtmf197O-bPExd9-1ZxFnpJVmvyFwlwLqaQZwY0ng/s1600/HanaPPT-3.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;"><b>Hana-PPT.3 : Tampilan penjelasan latar belakang (alasan pemilihan judul)</b></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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVrdNpQ_6LIkM5qOMiFx1pJrkDwRqd7jzcqIKW0EPmMF2yfxFIMNS9H4TFf1DFL078Ll5Ky14kJiZeWzHZdmefpn4bnRGs8F9y2d8bEA_0TVG46IuC_ntPXXzP7CDIDKIJdIyZNuVNwFY/s1600/HanaPPT-4.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVrdNpQ_6LIkM5qOMiFx1pJrkDwRqd7jzcqIKW0EPmMF2yfxFIMNS9H4TFf1DFL078Ll5Ky14kJiZeWzHZdmefpn4bnRGs8F9y2d8bEA_0TVG46IuC_ntPXXzP7CDIDKIJdIyZNuVNwFY/s1600/HanaPPT-4.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.4 : Tampilan penjelasan rumusan masalah</b></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;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhA2GiW60lvSCRyVx37zhCWUsWi3Ccsz_FzDFkjqAUEWPKRyk7zOcp7PrDHQaTkjEcwR5YKHfnB7QVK_atbkWoJlaOam6u2gwDdy0FsgE6Sj4dWm3SbStectZoD6XQjPyeErFsQDKePjgA/s1600/HanaPPT-5.jpg" style="margin-left: auto; margin-right: auto;" /></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.5 : Tampilan penjelasan manfaat dari penelitian yang dilakukan</b></td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
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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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFQcTeOLyJg3U35WCq05lmJuhWJaat-Yz6XGcqjusxmwgzf3m6pUOERM9kw-QRWAyt3p0QpPYvsF9sqSp83J98XaNSOf1v7n3vUrsLUlgC8B-Me-qxSofyOx_VqhGgFg1iJaAUeHXJWlo/s1600/HanaPPT-6.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFQcTeOLyJg3U35WCq05lmJuhWJaat-Yz6XGcqjusxmwgzf3m6pUOERM9kw-QRWAyt3p0QpPYvsF9sqSp83J98XaNSOf1v7n3vUrsLUlgC8B-Me-qxSofyOx_VqhGgFg1iJaAUeHXJWlo/s1600/HanaPPT-6.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.6 : Tampilan penjelasan BAB II (Tinjauan Pustaka)</b></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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhakJFbo4pQR0NBmJQa9QmgTklcFDXKvjxyhcWdndzXgoq9esNml7LiWZdkhyOgxBCjiL-pm5XgXnyyf-kdNWouhkFwxpLYJA0VYjcF-znyrl4FuEu2IQrdC0lLyeLkrJp4B3e7v4QJ_x0/s1600/HanaPPT-7.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhakJFbo4pQR0NBmJQa9QmgTklcFDXKvjxyhcWdndzXgoq9esNml7LiWZdkhyOgxBCjiL-pm5XgXnyyf-kdNWouhkFwxpLYJA0VYjcF-znyrl4FuEu2IQrdC0lLyeLkrJp4B3e7v4QJ_x0/s1600/HanaPPT-7.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.7 : Tampilan penjelasan BAB II (Tinjauan Pustaka)</b></td></tr>
</tbody></table>
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7ftJsEQDsULEmPqXn_a4-SsYYrfys4hiUvzLW27HCfy0sRI5V5zjOzbiG1DJsy8WZfLV8xbbDIyJFUiMHVRXeC6venYnOIwLKPrtSjqb8E7KzpnXXxca1ugSP4n4pVQIoVbxNhjaI-sw/s1600/HanaPPT-8.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7ftJsEQDsULEmPqXn_a4-SsYYrfys4hiUvzLW27HCfy0sRI5V5zjOzbiG1DJsy8WZfLV8xbbDIyJFUiMHVRXeC6venYnOIwLKPrtSjqb8E7KzpnXXxca1ugSP4n4pVQIoVbxNhjaI-sw/s1600/HanaPPT-8.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.8 : Tampilan penjelasan BAB II (Tinjauan Pustaka)</b></td></tr>
</tbody></table>
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYP3s8mOsGq_czwGkbNzQfzIc_WYYt_m2qYodqmVN197jBEjo4Ttlt4_LOYV5MnhS9VMgOH0g0NiIyZeJo0I-H29ptymShTfkJp6P4udZWLCX97MgUK-2I4mtknOcbWemR0OagaeTgp3g/s1600/HanaPPT-9.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYP3s8mOsGq_czwGkbNzQfzIc_WYYt_m2qYodqmVN197jBEjo4Ttlt4_LOYV5MnhS9VMgOH0g0NiIyZeJo0I-H29ptymShTfkJp6P4udZWLCX97MgUK-2I4mtknOcbWemR0OagaeTgp3g/s1600/HanaPPT-9.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.9 : Tampilan Penelitian Terdahulu</b></td></tr>
</tbody></table>
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfY3ta-YQklIEYSiHbcjxckUOlzMQoJUJHT89CzgCShTr46elRuLLE2cMn5CNRWxvXVKlGFKDtDVruXULLpA_L9LdFV-yGmEGVnVb-uWxQhFYCOqkiNFQhdaPkoynp6UfcRpzntO9kCuU/s1600/HanaPPT-10.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfY3ta-YQklIEYSiHbcjxckUOlzMQoJUJHT89CzgCShTr46elRuLLE2cMn5CNRWxvXVKlGFKDtDVruXULLpA_L9LdFV-yGmEGVnVb-uWxQhFYCOqkiNFQhdaPkoynp6UfcRpzntO9kCuU/s1600/HanaPPT-10.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.10 : Kerangka Konseptual</b></td></tr>
</tbody></table>
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjuFQJSe5742ppKSbE-O0rizG_35yBZv4mELP7IJq348miAXO1cGCMpXZyERj2b5BsrmpqvMTE1jpRJnB_fQdiq5Dg9Ed8FB7pLiWzucca3V8Ztvk5ocf9JOnyfQ3USVsj_RRz_AIBfCmA/s1600/HanaPPT-11.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjuFQJSe5742ppKSbE-O0rizG_35yBZv4mELP7IJq348miAXO1cGCMpXZyERj2b5BsrmpqvMTE1jpRJnB_fQdiq5Dg9Ed8FB7pLiWzucca3V8Ztvk5ocf9JOnyfQ3USVsj_RRz_AIBfCmA/s1600/HanaPPT-11.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.11 : Hipotesis (untuk skripsi dengan statistik)</b></td></tr>
</tbody></table>
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhl62xfu9lh5w8y9kjlAJNVmU9IEzJuQBbEEMwzA_9sFqt1lNxsoHHXSlxPrBVNdxStzlze5y71TMZFt0XA-rOjbwN1cn2LyIKpxF3j6ZekZRk66HWFUIif6zC1h2UDHsuBmo3bXOSquWs/s1600/HanaPPT-12.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhl62xfu9lh5w8y9kjlAJNVmU9IEzJuQBbEEMwzA_9sFqt1lNxsoHHXSlxPrBVNdxStzlze5y71TMZFt0XA-rOjbwN1cn2LyIKpxF3j6ZekZRk66HWFUIif6zC1h2UDHsuBmo3bXOSquWs/s1600/HanaPPT-12.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.12 : Lokasi dan waktu penelitian (saat proses skripsi)</b></td></tr>
</tbody></table>
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpXGFQ6po-rIoql9c__nJhPRnZZaD1I9SkgS1eH6L_mPwqoTxp0j8qeoqJoVsxI6fCROrPolshIQ7nzayKGTd0T7r62yWgA4aiB9JWefOBX2-xCudugWP7a9_Bi_GQ-Bj8s31sQlQIcxU/s1600/HanaPPT-13.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpXGFQ6po-rIoql9c__nJhPRnZZaD1I9SkgS1eH6L_mPwqoTxp0j8qeoqJoVsxI6fCROrPolshIQ7nzayKGTd0T7r62yWgA4aiB9JWefOBX2-xCudugWP7a9_Bi_GQ-Bj8s31sQlQIcxU/s1600/HanaPPT-13.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.13 : Variabel bebas dan terikat (variabel penilaian penelitian)</b></td></tr>
</tbody></table>
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2uT0Bj7bzHqj3VdNu5yNI7kLCjZ-bdlORyuV-3TstutP7DAnKKGnPR5HNJ6BvUzrfuMKHsxakSWnV-ticuSNDFe5U-9oeHSTojDz5ffSZRSn_UjmKIhDPetc8tM2b9SUbD1y-AZrIH2Q/s1600/HanaPPT-14.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2uT0Bj7bzHqj3VdNu5yNI7kLCjZ-bdlORyuV-3TstutP7DAnKKGnPR5HNJ6BvUzrfuMKHsxakSWnV-ticuSNDFe5U-9oeHSTojDz5ffSZRSn_UjmKIhDPetc8tM2b9SUbD1y-AZrIH2Q/s1600/HanaPPT-14.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.14 : Metode pengumpulan data, populasi dan sempel</b></td></tr>
</tbody></table>
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMhOWP-zbkYOyzdAnkgWB1UZQBDPE_ewbuFL-h2XVWCTaHKV34dZltzVVDYUv1_koOc1jcrtu5omhVrIQUyAt-fhi0ZsmYfxfnhP_tLAf5Dj4tqwCKBWz7mxj6Jh8d9Bp6kp7zmsZNc4A/s1600/HanaPPT-15.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMhOWP-zbkYOyzdAnkgWB1UZQBDPE_ewbuFL-h2XVWCTaHKV34dZltzVVDYUv1_koOc1jcrtu5omhVrIQUyAt-fhi0ZsmYfxfnhP_tLAf5Dj4tqwCKBWz7mxj6Jh8d9Bp6kp7zmsZNc4A/s1600/HanaPPT-15.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.15 : Teknik Pengujian (penelitian menggunakan alat ukur statistik)</b></td></tr>
</tbody></table>
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhwh-0jPavYgsJGxUYsMXJaqbzUKdassum9Zx3FmKhPZyEvpo2BMTPFBfGMRrxD6zZIuV6OtVW4bZ8EjTwruQMgHKDS8-BDTX5fcZ3ptehD4nBkfrxzK0aplNy7krYtZWai2hLMpjRurnU/s1600/HanaPPT-16.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhwh-0jPavYgsJGxUYsMXJaqbzUKdassum9Zx3FmKhPZyEvpo2BMTPFBfGMRrxD6zZIuV6OtVW4bZ8EjTwruQMgHKDS8-BDTX5fcZ3ptehD4nBkfrxzK0aplNy7krYtZWai2hLMpjRurnU/s1600/HanaPPT-16.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.16 : Sejarah Perusahaan secara garis besar</b></td></tr>
</tbody></table>
<br />
<br />
<table 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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiueJzoQysaqOTqQBmphRhRkggCCKVpewMTe9DN-lbRLzpQ-ezCAbaqyBtacxz4Ia5YXUiA0jWamX3p6BnRGBsxtC4PEW4Inl80TNZemD5YQ157OC300SherySTgwHK9sF2FwN4WG9SXgI/s1600/HanaPPT-18.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiueJzoQysaqOTqQBmphRhRkggCCKVpewMTe9DN-lbRLzpQ-ezCAbaqyBtacxz4Ia5YXUiA0jWamX3p6BnRGBsxtC4PEW4Inl80TNZemD5YQ157OC300SherySTgwHK9sF2FwN4WG9SXgI/s1600/HanaPPT-18.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.17: Masih bagian tentang perusahaan</b></td></tr>
</tbody></table>
<table 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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg11fOaYb1ZgpEOxsOYkcwM_w3lzqZjvkGYiZnqPuh2FVcflk1V4-lv8hnirFPaVz2FZZ3UOslNglgeOnJE44y16r09i3bBBruraLhIca8KlDJ0qtbaPoBUL0aZa1HBG5uhzUnSvdkptCk/s1600/HanaPPT-17.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg11fOaYb1ZgpEOxsOYkcwM_w3lzqZjvkGYiZnqPuh2FVcflk1V4-lv8hnirFPaVz2FZZ3UOslNglgeOnJE44y16r09i3bBBruraLhIca8KlDJ0qtbaPoBUL0aZa1HBG5uhzUnSvdkptCk/s1600/HanaPPT-17.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.18: Masih bagian tentang perusahaan</b></td></tr>
</tbody></table>
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUVd36S0jhsc1otfXJMXQatqTAaeuBip4wUwj6uix0mas-ltcADeoDc5MFBcIduLeHCY5gK-3mUDW8vCkBB0dX-F61gVbB4PAdOHWjxL1DqHFBCScjOYea4VcrZjIqfhkXw04dzA-zqBE/s1600/HanaPPT-19.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUVd36S0jhsc1otfXJMXQatqTAaeuBip4wUwj6uix0mas-ltcADeoDc5MFBcIduLeHCY5gK-3mUDW8vCkBB0dX-F61gVbB4PAdOHWjxL1DqHFBCScjOYea4VcrZjIqfhkXw04dzA-zqBE/s1600/HanaPPT-19.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.19: Hasil dari penelitian</b></td></tr>
</tbody></table>
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8dr9IzgkQ-Z6dy8QalLooI9ryOlcJ728NlXMGzOAtLZD7sSu2P5sFMslmsy30olLOY-yq0JmBUPJYkCfGKWjP1j_AsTxRpjSL7PypljCCfl93Bt_KnT8Y5flFZVZX07Hi6KaB7gVkwlw/s1600/HanaPPT-20.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8dr9IzgkQ-Z6dy8QalLooI9ryOlcJ728NlXMGzOAtLZD7sSu2P5sFMslmsy30olLOY-yq0JmBUPJYkCfGKWjP1j_AsTxRpjSL7PypljCCfl93Bt_KnT8Y5flFZVZX07Hi6KaB7gVkwlw/s1600/HanaPPT-20.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.20 : Hasil penelitian</b></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;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjv8Pkds18IV5phfRriv_38Pg-60p5WbWeheD_ALntOOec5Emsb6J7BeVBM2hgIZXOJ4xrwB97-XIpKEUOkSM-dGRPm1dssU4CZBjWFC3TZe6BcpkdDllzO8tlTZTljrMJ7Nyj0NAp7UFM/s1600/HanaPPT-21.jpg" style="margin-left: auto; margin-right: auto;" /></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.21 : Hasil penelitian</b></td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjv8Pkds18IV5phfRriv_38Pg-60p5WbWeheD_ALntOOec5Emsb6J7BeVBM2hgIZXOJ4xrwB97-XIpKEUOkSM-dGRPm1dssU4CZBjWFC3TZe6BcpkdDllzO8tlTZTljrMJ7Nyj0NAp7UFM/s1600/HanaPPT-21.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"></a><br /></div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjv8Pkds18IV5phfRriv_38Pg-60p5WbWeheD_ALntOOec5Emsb6J7BeVBM2hgIZXOJ4xrwB97-XIpKEUOkSM-dGRPm1dssU4CZBjWFC3TZe6BcpkdDllzO8tlTZTljrMJ7Nyj0NAp7UFM/s1600/HanaPPT-21.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"></a><br />
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhssPrT4zbrnxIt5gQkMjjgHH8-B6TJwOqopPy71bOu2ndci9Pa6zBdgr4wuJ1qYlH__D_aVJB64SSNAyIVXK8NtM8lus96p9nfKaMCuiF7-vcRUQZhEW-cEvmjI08qSp4V1tfC7qjCPM8/s1600/HanaPPT-22.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhssPrT4zbrnxIt5gQkMjjgHH8-B6TJwOqopPy71bOu2ndci9Pa6zBdgr4wuJ1qYlH__D_aVJB64SSNAyIVXK8NtM8lus96p9nfKaMCuiF7-vcRUQZhEW-cEvmjI08qSp4V1tfC7qjCPM8/s1600/HanaPPT-22.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.22 : Hasil penelitian</b></td></tr>
</tbody></table>
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWMPMhdNmTpIqK7VNTpQR6BR_tPBQI9xhQ1AxRFFAqpvSVQRZDORMlf-JRsgKRIb6Y0o7tNyEmpuEETe-OJXt5QePDx7yrcg_MuSFyWkBU2m_FeXjXnhXgP-OyXDlJQEHrQ56lkRC8dRo/s1600/HanaPPT-23.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWMPMhdNmTpIqK7VNTpQR6BR_tPBQI9xhQ1AxRFFAqpvSVQRZDORMlf-JRsgKRIb6Y0o7tNyEmpuEETe-OJXt5QePDx7yrcg_MuSFyWkBU2m_FeXjXnhXgP-OyXDlJQEHrQ56lkRC8dRo/s1600/HanaPPT-23.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.23 : Hasil penelitian</b></td></tr>
</tbody></table>
<br />
<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgw7WUCEY9PYYbOfnCLm-OU6lwdXqLAyYYykMMOKZ4nHEDV8u7RZ4rC6nGGuNy11aSEEXxmXNNDuXTcuL5jwuQRV110uLj50cPzl22KjJEGZexd_6Ee8rysmq9jmJumAKyKIua2jqtBD1Y/s1600/HanaPPT-24.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgw7WUCEY9PYYbOfnCLm-OU6lwdXqLAyYYykMMOKZ4nHEDV8u7RZ4rC6nGGuNy11aSEEXxmXNNDuXTcuL5jwuQRV110uLj50cPzl22KjJEGZexd_6Ee8rysmq9jmJumAKyKIua2jqtBD1Y/s1600/HanaPPT-24.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.24 : Hasil penelitian</b></td></tr>
</tbody></table>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimMixg3hcudJ7ls_Yt4aL8HhkuBfOYIRIinc1Zy0Ov4qqKVOT4MXz9Pn6SC8K1z_5XX266eA-nyHKz_t4QQ3XUA1a8xmBB-45RszIUz7WeHC3s3HUrNDiFfhNn58Y9GYcuIkQOJ8L0ROY/s1600/HanaPPT-25.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimMixg3hcudJ7ls_Yt4aL8HhkuBfOYIRIinc1Zy0Ov4qqKVOT4MXz9Pn6SC8K1z_5XX266eA-nyHKz_t4QQ3XUA1a8xmBB-45RszIUz7WeHC3s3HUrNDiFfhNn58Y9GYcuIkQOJ8L0ROY/s1600/HanaPPT-25.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.25 : Hasil penelitian</b></td></tr>
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<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.26 : Hasil penelitian</b></td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEha0SiZHQw_pwGILiKApsJW1BJ7_pTVZQLC4aepZg7DOf9RqE7FCJOHb6x9LwTlmSYCZKHzaz-S0ELYjDbNp2I6ZHS490nHYrAaL-j7MRbU7sP4Q_MWGDGGWh498t_We7DcIOYqWW9XcWM/s1600/HanaPPT-27.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEha0SiZHQw_pwGILiKApsJW1BJ7_pTVZQLC4aepZg7DOf9RqE7FCJOHb6x9LwTlmSYCZKHzaz-S0ELYjDbNp2I6ZHS490nHYrAaL-j7MRbU7sP4Q_MWGDGGWh498t_We7DcIOYqWW9XcWM/s1600/HanaPPT-27.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.27 : Kesimpulan penelitian</b></td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGYzZRpY6qU5F6dxTHGzq2OnZU8pIEozuHuJ-DEkP0OR5BZ_AnohzrDu6DsOy_5Yx7UUv-SEwWk_EDIdibJLGHnxX5p5X-tkktH2dKkyKH7qR5fuagBH7FX9ZM9G0BBgMmVH6xdVvYW-0/s1600/HanaPPT-28.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGYzZRpY6qU5F6dxTHGzq2OnZU8pIEozuHuJ-DEkP0OR5BZ_AnohzrDu6DsOy_5Yx7UUv-SEwWk_EDIdibJLGHnxX5p5X-tkktH2dKkyKH7qR5fuagBH7FX9ZM9G0BBgMmVH6xdVvYW-0/s1600/HanaPPT-28.jpg" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b style="font-size: medium;">Hana-PPT.28 : Closing Statement</b></td></tr>
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com9tag:blogger.com,1999:blog-4242063908701094250.post-58068014051957007442017-01-25T09:43:00.000+07:002017-01-25T10:05:26.731+07:00The Warrior of Love - Chapter I<div style="margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-indent: 36.0pt;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYdDl5DVAtyBAESubcpFIgO8yuEhatmqxTOpEl2lvvvvRzMz7yLPiuPyg5yDMDQ3xJy6erqina8lH3MK5XtEu5YRM915PkU2Tm9TOlldd2r1RSc2WKjZwCyR8Y4JwBc9FbbZGyPePFmDI/s1600/blog+7.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="216" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYdDl5DVAtyBAESubcpFIgO8yuEhatmqxTOpEl2lvvvvRzMz7yLPiuPyg5yDMDQ3xJy6erqina8lH3MK5XtEu5YRM915PkU2Tm9TOlldd2r1RSc2WKjZwCyR8Y4JwBc9FbbZGyPePFmDI/s640/blog+7.jpg" width="640" /></a></div>
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<span style="font-family: "poor richard" , serif;"><span style="color: #660000; font-size: x-large;">Awal pertemuan di suatu tempat yang sama. Diawal
pertemuan mereka tidak pernah akrab maupun berteman dekat. Pertemuan mereka
berdua seperti film tom&jerry, yang setiap bertemu selalu ribut dan saling
mengerjai yang sepertinya tidak akan pernah akur.</span></span></div>
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<span style="font-family: "poor richard" , serif;"><span style="font-size: x-large;"><span style="color: #073763;">Sosok Ken adalah seorang pria dari tanah Jawa, dan orang yang sangat akrab
dengan semua teman-teman sejawatnya. Sosok Ken dikenal sebagai orang yang loyal
dengan sahabat, membantu sesama yang sedang kesusahan. Sedangkan sosok Rea
adalah seorang wanita dari tanah Bali. Sosok gadis ini tidak se-<i>famous </i>sosok
Ken. Rea anak yang sulit bergaul, sedikit pemilih dalam berteman, sehingga
orang yang baru kenal dia pasti akan menganggap Rea adalah sosok yang sombong,
angkuh & gadis jutex.</span><o:p></o:p></span></span></div>
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<span style="font-family: "poor richard" , serif;"><span style="font-size: x-large;"><span style="color: #660000;">Sebenarnya, sosok Ken dan Rea mempunyai kesamaan
yaitu ketika mereka dekat dengan sahabatnya, mereka sama-sama ikut meringankan
beban sahabat, periang&banyaknya keisengan yang dilakukan. Hanya yang
membedakan adalah, Ken mampu menunjukkan ke akrabannya kepada semua orang,
sedangkan Rea tidak bisa lakukan hal seperti itu.</span><o:p></o:p></span></span></div>
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<span style="font-family: "poor richard" , serif;"><span style="color: #073763; font-size: x-large;">Disatu kesempatan mereka berdua mendapatkan
kesempatan untuk nonton film di bioskop yang sedang hits saat itu "Tooth
Fairy(Peri Gigi)". Mereka berdua berkesempatan menonton bersama-sama
dengan rekan lainnya dikarenakan mereka <i>the best performance</i> di tempat mereka
bekerja. Sejak itulah mereka memulai keakraban dengan saling ejek-mengejek
(bercanda), iseng (usil).</span></span></div>
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<span style="font-family: "poor richard" , serif;"><span style="font-size: x-large;"><span style="color: #660000;">Dilain kesempatan diadakannya acara <i>all employee</i> ke sebuah tempat untuk
mengadakan kegiatan sejenis <i>gathering</i>. Disinilah Ken&Rea menjalin
keakrabannya. Entah darimana awalnya, Ken mulai memberanikan diri untuk
mendekati Rea dengan cara menaiki Bus yang sama dalam perjalanannya ke acara
<i>gathering</i> bersama teman lainnya, yang seharusnya Ken berada di Bus paling awal. </span><o:p></o:p></span></span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdoh2WZ0e_1xyGzbzPAabw9YTdOuFpYY6K0BoKqMVA-KrxA8FC2BDQE7sKyEll_gUdw5ZBf_lK_lxvgcbUD04KSefK0fCysvCqQo-9fQX7M-LQ0J1qCQ8pwYlCxtuAW4kACS584aRopuY/s1600/blog+1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="208" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdoh2WZ0e_1xyGzbzPAabw9YTdOuFpYY6K0BoKqMVA-KrxA8FC2BDQE7sKyEll_gUdw5ZBf_lK_lxvgcbUD04KSefK0fCysvCqQo-9fQX7M-LQ0J1qCQ8pwYlCxtuAW4kACS584aRopuY/s320/blog+1.jpg" width="320" /></a></div>
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<span style="color: #073763; font-family: "poor richard" , serif; font-size: x-large; text-indent: 36pt;">Dalam acara tersebut, Ken terlihat beberapa kali
mencoba memberikan perhatiannya, seperti membelikan Rujak Bebeg disela-sela
peristirahatan perjalanan, duduk disamping bangku Rea, dan lagi-lagi Rea hanya
bersikap seolah-olah tak terjadi apapun. Tapi Ken tetap saja bersikap baik di
depan Rea, demi mendekatkan dirinya ke Rea. Begitu sampai tempat tujuan wisata,
Ken dan Rea pun bersama-sama melakukan kegiatan <i>outbound</i>, jalan bersama-sama ke
kebun teh. Sampai acara </span><i style="color: #073763; font-family: "poor richard", serif; font-size: xx-large; text-indent: 36pt;">gathering </i><span style="color: #073763; font-family: "poor richard" , serif; font-size: x-large; text-indent: 36pt;">selesai dan naik bus kembali ke Jakarta, Rea
dan Ken juga di dalam satu bus yang sama.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhozl4hJfSxroRkDWnAL4mdNScGeDqt8aVie3jfg4YmgMuDd3glMsR25aZLzctYP2x4wdx4a57Kmk-DGZLLNtv4EVw7Vlfu4ZHTD-7QGCJXG-6SxL4rTA67DiE8coyMYuTuXF1-gw0IiK8/s1600/blog+3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="180" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhozl4hJfSxroRkDWnAL4mdNScGeDqt8aVie3jfg4YmgMuDd3glMsR25aZLzctYP2x4wdx4a57Kmk-DGZLLNtv4EVw7Vlfu4ZHTD-7QGCJXG-6SxL4rTA67DiE8coyMYuTuXF1-gw0IiK8/s320/blog+3.jpg" width="320" /></a></div>
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<span style="font-size: x-large;"><span style="color: #e06666;"><span style="font-family: "poor richard" , serif;">Rea mulai jatuh cinta dengan Ken, Rea mulai menaruh hati kepada Ken </span><span style="font-family: "webdings";">YYY</span></span><span style="font-family: "poor richard" , serif;"><o:p></o:p></span></span></div>
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<span style="background-color: #fce5cd; font-size: x-large;"><span style="background-color: #fce5cd; color: red; font-size: x-large;"><span style="font-family: "poor richard" , serif;">(bagaimana kelanjutan ceritanya, ikuti terus ceritanya 😇</span><span style="font-family: "poor richard" , serif; text-indent: 36pt;"> ) </span></span><span style="color: blue; font-family: "poor richard" , serif; text-indent: 36pt;">Bersambung. . . . </span></span></div>
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<span style="color: purple; font-family: "poor richard" , serif; font-size: x-large;"><span style="background-color: #fce5cd;">::NEXT:: <a href="http://hanaqyen12.blogspot.co.id/2017/01/indahnya-berbagi-bukber-unkris-akt-2016.html">Indahnya Berbagi</a></span></span></div>
hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-89613090976650837782017-01-22T12:41:00.002+07:002018-03-27T16:49:57.179+07:00Mahasiswa VS Dosen Pembimbing (Perang Skripsi??)<div style="text-align: justify;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIwQjQnpG9xie4h_BW0qAFe36D8cCFmDrE4Cti_ts0XJxOcotwHdYRxYRUApMSLcq8atwcwuXDl8njnyCFX2o3x1ksStAxy6noAI5disQoGtTTBYM_8vtml-hSgcLY9MjO0ifBNXmMCs8/s1600/skripsi-lucu.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="262" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIwQjQnpG9xie4h_BW0qAFe36D8cCFmDrE4Cti_ts0XJxOcotwHdYRxYRUApMSLcq8atwcwuXDl8njnyCFX2o3x1ksStAxy6noAI5disQoGtTTBYM_8vtml-hSgcLY9MjO0ifBNXmMCs8/s400/skripsi-lucu.jpg" width="400" /></a></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Hai...sahabat blogger... 😄</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Kali ini bikin blog tentang pengalaman ngejar-ngejar dosen...(eh maksudnya bukan karena ngefans lho, tapi gara-gara ngejar skripsian 😂😂)</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Di kampus tempat sy menimba ilmu a.k.a Univ. Krisnadwipayana (cieee...promo kampus 😁), untuk mengejar waktu skripsi sangatlah susah (khusus buat kelas karyawan lho ya, klo kelas reguler masih dipersulit sih...i dont know about that 😞). Kenapa dipersulit??? Soalnya seluruh mahasiswanya adalah para pekerja yg mempunyai keterbatasan waktu untuk ngejar-ngejar dosen.</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><br /></b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Jujur saja sy sangat tidak mengerti bagaimana skripsi harus sy mulai&darimana awalnya. Sempat hampir menyerah, karena saat itu sy pesimis akan bisa selesai karena saya sulit mendapatkan data di tempat kerja sy sekarang ini, apalagi dengan boss yang tidak pernah akrab dengan bawahan... (curhat sedikit yah 😄).. Namun saya nekat untuk coba kerjakan skripsi sy sebelum mendekati daftar sidang proposal.</b></span></div>
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<span style="color: red; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung</marquee></b></span><br />
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Waktu sidang proposal pun tiba... dan sy mendapatkan dosen pembimbing (dospem) yang menurut sy adalah sangat detail, karena sebelumnya dosen tersebut pernah menjadi dosen pengajar di kelas saya. Setelah memasuki ruang sidang, skripsi yang sy ajukan di TOLAK ...ingat di TOLAK mentah-mentah...bahkan sy belum selesai presentasi, harus diberhentikan begitu saja. (Rasanya sedih...kayak ga di hargain banget 😢)</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Saya diminta untuk ajukan judul baru, dengan alasan skripsi yang sy buat tidak kompeten... (yah...sy harus akui itu, krn mereka lebih berpengalaman). Sejak saat itu, sy langsung berhadapan dengan dosen pembimbing skripsi sy dengan konsultasi ke dosen kira-kira hal apa yang pas untuk sy bahas.</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b style="background-color: yellow;">##singkat cerita##</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Setelah pertemuan di ruang sidang proposal, sy belum ada gambaran akan bahas apa sampai akhirnya diberikan solusi, tapi tetap sy harus kerjakan sendiri. Setiap hari, orang tua sy berpesan untuk terus kejar dosen untuk bimbingan, supaya dosen kamu hapal sama muka kamu&tidak sungkan membantu kamu. Bahkan bila perlu datang ke rumah nya untuk bimbingan, karena dosen tidak akan me-<i>reminder </i>kita.</b></span></div>
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<a href="https://www.clixsense.com/?10489585" target="_blank"><img border="0" src="https://csstatic.com/banners/clixsense468x60g.png" /></a>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Inget lho teman-teman, <span style="background-color: #d5a6bd;">"KITA YANG BUTUH MEREKA, BUKAN MEREKA YANG BUTUH KITA"</span>. Sempat ada teman yang tanya, kok bisa cepet banget sih lu bimbingan udah bab segitu aja, gue aja baru kasih judul, udah di tolak terus. Sampai-sampai ada yang nuduh bahwa sy saat itu beli skripsian. Tapi yah..sekarang balik lagi ke diri kita masing-masing. Yang butuh lulus itu syp? Yang butuh skripsi syp? Nah...kalau ternyata apa yang kita ajuin gak diterima, bukan berarti kita gak kompeten, tapi dosen cuma mau kita gak asal-asalan buat skripsi. (Ingeeet...pasal 1*). 😊</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Di tulisan kali ini, sy tidak akan mengomentari apa yang teman-teman tulis di skripsi nya yah, karena pada dasarnya itu cuma hak dosen dan kalian aja buat komentar..hehehe 😃</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b>Sy cuma share tips untuk cepat di acc skripsi nya sama dosen :</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b style="background-color: yellow;">1. Ketemu terus, tunjukkan keseriusan</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Sering-sering konsultasi sama dosen pembimbing (dospem).</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b style="background-color: yellow;">2. Bawa buku catatan</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Setiap konsultasi, jangan lupa bawa buku catatan&pulpen, untuk catat semua saran dan kritikan skripsi kita.</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b style="background-color: yellow;">3. Buka voice rec. di HP</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Bila diperlukan bawa handphone, rekam semua omongan dosennya.</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Fungsinya apa?? Ya..dospem kan tidak menangani bimbingan dengan kita aja, pasti banyak lupanya, kalau beliau lupa ya tugas kita yang ingatkan, kalau saat diingatkan beliau tidak terima, yaaaa voice rec. nya bisa kita pitar di depan dospem, agar sama-sama sinkron.</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b style="background-color: yellow;">4. Pentingkan kesopanan</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Dospem itu guru kita bukan teman kita, kita mau ketemu dospem ya baiknya bikin janji pertemuan. H-2 sebelum pertemuan.</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b style="background-color: yellow;">5. Gerak cepat</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Apa yang dijadikan revisi dari dosen, segeralah diperbaiki. Kasih batas waktu ke diri sendiri, supaya cepat terselesaikan. Min. 2 minggu setelah pertemuan sebelumnya sudah konsul lagi ke dospem.</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b style="background-color: yellow;">6. Bangun keakraban</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Dospem juga manusia, sekali kali di senyumin bolehlah, biar suasana gak selalu tegang setiap ketemu. Sesekali bawakan jajanan, agar terlihat kita mengagumi (bukan nyogok yah.</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b style="background-color: yellow;">7. Keadaan mendesak</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Jadikan semua keadaan menjadi mendesak, sehingga termotivasi untuk bergerak 2x lebih cepat. Bila diperlukan, cari tahu rumah dospemnya, main-main lah ke rumahnya sambil bimbingan.</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b style="background-color: yellow;">8. Selalu berdoa</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Sebelum bimbingan, berdoa itu perlu. Biar mood nya ke kita enak, dan dimudahkan urusan kita.</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b style="background-color: yellow;">9. Hadapi dospem matdut (mata duitan)</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Jika dospem kalian salah satu yang termasuk matdut, coba teguhkah sikap untuk tidak memberikan ini itu, coba bersikap manis. Agak diperlukan sikap sedikit ekstrim, tapi tetap terlihat manis.</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b style="background-color: yellow;">10. Dospem menghindar dari jadwal konsul</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Sering sms/tlp tidak ditanggapi? Coba datangi langsung ke kampus. Dospem tipe ini, dia lebih suka kita yang agresif. Cari tau jadwal&hari apa saja dy mengajar di kampus. Kalau sudah tau, jadilah agresif. Datangi tanpa bikin janji, jangan lupa kasih senyuman polos.</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b style="background-color: yellow;">11. Ikuti saran dospem</b></span></div>
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Saat revisi, biasanya ada saran-saran dari dospem. Coba ikuti maunya, jangan banyak bantahan di depan. Kalau banyak bantahan, nantinya dospem juga jadi ilfill, bahkan sudah tidak simpatik lagi dengan kita. Parahnya kita akan dicuekin urus skripsinya.</b></span></div>
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<a href="https://www.clixsense.com/?10489585" target="_blank"><img border="0" src="https://csstatic.com/banners/clixsense468x60g.png" /></a>
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<b style="color: red; font-family: georgia, "times new roman", serif; font-size: x-large;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung</marquee></b><br />
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<span style="color: #351c75; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Pada prinsipnya, semakin sering ketemu dospem. Dospem akan liat keseriusan kita untuk susun skripsi. Jadilah pribadi yang aktif, tanpa tunggu arahan. Cari tau kekurangan yang di revisi dospem, bahagiakan dospem dengan liat mood nya. Jangan khawatir, Tuhan tidak tidur kok. Tuhan juga sudah menjaminkan, siapa yang bersungguh-sungguh dalam menjalankan tugasnya, semua akan dimudahkan. Insyaallah...</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b style="background-color: #ead1dc;">JANGAN LUPA... SEMANGATNYA GAK BOLEH KENDOR. INGAT SKRIPSI ITU TITIK AKHIR KULIAH, INGAT DIAWAL KITA KULIAH UNTUK APA.</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b style="background-color: #ead1dc;">LAWAN RASA MALAS ITU... SELAMAT BERJUANG WAHAI PARA PENCARI ILMU...</b></span></div>
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<span style="color: #351c75; font-family: "courier new" , "courier" , monospace; font-size: large;"><b>💪😎💪😎💪😎💪😎💪😎</b></span></div>
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<span style="color: #ea9999; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><i>Semoga apa yang saya tulis di blog saya, bisa menjadi inspirasi untuk para pembaca.</i></b></span></div>
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<span style="color: red; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung</marquee></b></span><br />
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<span style="color: red; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">don't forget to like and share 👌</marquee></b></span></div>
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<span style="color: magenta; font-family: "georgia" , "times new roman" , serif; font-size: x-large;"><b style="background-color: #fff2cc;">:: Artikel Lainnya :: <a href="http://hanaqyen12.blogspot.com/2017/01/quotes-from-accounting-colleges_13.html" target="_blank"><blink>Accounting 310 UK</blink></a></b></span></div>
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-51649531641385015802017-01-20T12:07:00.000+07:002018-03-27T16:50:09.953+07:0015 Desaign PowerPoint menarik (Patut dicoba)<div style="text-align: justify;">
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<span style="color: red; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung</marquee> </b></span></div>
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<span style="color: #444444; font-family: "open sans";"><span style="font-size: 15px;">Yeah... welcome to blog guys.. this is Friday.. yes 😊</span></span></div>
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<span style="color: #444444; font-family: "open sans";"><span style="font-size: 15px;">Seneng aja dulu... meskipun besok tetap masuk kerja.. hihihi 😃✌</span></span></div>
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<span style="color: #444444; font-family: "open sans";"><span style="font-size: 15px;">Kali ini saya mau share ilmu dari salah satu blog ternama, artikelnya menarik banget, ngebantu banget buat mahasiswa yang lagi asik nyusun skripsi. Karena perjuangan belum berakhir broo sist.. setelah bikin surat cinta berlembar-lembar di Ms. Word (sebut saja begitu..padahal maksudnya nyusun skripsi bab 1, 2, 3. . .sayang semuanya #eh 😂), perjuangan lanjutan setelahnya adalah buat power point atau nama panggilan andalannya PPT... singkat aja ah, karena pasti udah di scroll langsung ke bawah, soook lah liat dulu..</span></span></div>
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<span style="color: #444444; font-family: "open sans";"><span style="font-size: 15px;">Ini ada 15 situs handal dalam desaign template PPT yang bisa membantu teman-teman dalam desaign skripsi yang kece badai . . .aseeek... anyway, 15 situs ini file nya bisa di download gratis sampe tumpeh tumpeh deh pokoknya... hihihi..</span></span></div>
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<span style="color: #444444; font-family: "open sans";"><span style="font-size: 15px;">Selamat mendesaign ya teman-teman, sukses for the presentation.. 💪</span></span><br />
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<span style="color: red; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung</marquee> </b></span></div>
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<a href="http://www.presentationhelper.co.uk/free_powerpoint_template.htm" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Presentation Magazine">Presentation Magazine</a><br />
Memiliki 646 templates dan themes PowerPoint gratis. <strong style="border: 0px; box-sizing: border-box; content: "["; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; left: -0.1em; line-height: inherit; margin: 0px; padding: 0px; transform: translateX(-100%); transition: color 0.2s; vertical-align: baseline;">Update</strong>: nama situs sekarang berubah menjadi Presentation Magazine.<br />
<a href="http://www.presentationhelper.co.uk/free_powerpoint_template.htm" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Presentation Helper"><img alt="Presentation Helper" class="bgShadowImg" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2PVGHNA6jQntVho85pQt4mqlUa-0vB5mZVHGc3aaknGlfv0NMEg6JXA1gARZeYragGoIVXYoebnYgiE3Irh9AemKNIIl2wCFmpunpSXTvt32SwHDe0EgjsYr5GQM0_xm-zp79FSQpRDOs/s800/Presentation_Helper.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="400" /></a></div>
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<a href="http://www.templateswise.com/" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="TemplatesWise.com">TemplatesWise.com</a><br />
Memiliki template dan background PowerPoint dengan berbagai kategori: abstrak, bisnis, keuangan, pemandangan alam, tempat wisata, dan lain-lain.<br />
<a href="http://www.templateswise.com/" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="TemplatesWise.com"><img alt="TemplatesWise.com" class="bgShadowImg" height="385" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjg0ukWIfPZal6lGsfXbSbQn0m_tOAzw8L-VfAZIWwXUnBIsvmjeF_LjOYKCX04zZb9RwC2IkfQoNbC1aIgH5WXNxz2VEqFpgp2BgNpAyUqTQHjsc1eNlAppeBNgu-H32oe2r5XkCzzf0bp/s800/templates_wise.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="398" /></a></div>
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<a href="http://www.sameshow.com/download/powerpoint-to-flash-ppttemp.html" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Wondershare">Wondershare</a><br />
Download kumpulan template gratis dalam satu paket. Rancangan template memiliki tampilan yang elegan dan juga terdapat grafik <a href="http://www.computer1001.com/2008/09/gunakan-grafik-smartart-untuk.html" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="SmartArt">SmartArt</a> yang menawan.<br />
<a href="http://www.sameshow.com/download/powerpoint-to-flash-ppttemp.html" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Wondershare"><img alt="Wonder Share" class="bgShadowImg" height="406" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjDcwT0QMrxlqV5tOX6bdKS7Wt4Ufw-DTiXOOrJTKM6x7Cljdo6oVa9opaS6mUmGgitqv7pudKRkLxXZ-QDrjiDnRt7pcsScNK94IL38Vse7yGa7WIw4ZKj7RrwE7akjd6gr6Reqamm94ag/s800/samehow_wondershare.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="393" /></a></div>
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<a href="http://www.indezine.com/powerpoint/templates/freetemplates.html" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Indezine">Indezine</a><br />
Memiliki berbagai tema dan warna templates PowerPoint. Situs ini juga memberikan template gratis dengan tema peta-peta negara di dunia.<br />
<a href="http://www.indezine.com/powerpoint/templates/freetemplates.html" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Indezine"><img alt="Indezine" class="bgShadowImg" height="404" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLaeaJpdDzYuMyFP_ci1DPAB7p2b3vTLt2XpxL0_5EB02z4sZ_KittiK0CX3KYozgCQiiLdsokwANo_OON1Lx7CEhHMXNNx6hp2FhN2wyH2AfI8IB3ccuOKeAKsIAijO2l9DomaObktuDC/s800/indezine.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="407" /></a></div>
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<a href="http://inzones.com/free-powerpoint-templates.htm" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Inzones">Inzones</a><br />
Situs ini memiliki kumpulan template PowerPoint yang unik.<br />
<a href="http://inzones.com/free-powerpoint-templates.htm" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Inzones"><img alt="Inzones" class="bgShadowImg" height="238" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtOYlEI0v-1UOswKsX6vpkqYdc5CGLNguQ6nf5SSGEEGRaEh8765qdkwJlxLrhid3WaMdvtfUdCnjmxAh1WfL9bJpVayGJYAenorXklmt5HRtRwiC4WexkxZVyIyP-I7NKW-qeGr9OcCSW/s800/inzones.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="400" /></a></div>
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<a href="http://www.mastertemplates.com/powerpoint-templates.htm" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Master Templates">Master Templates</a><br />
Memiliki kumpulan template yang menarik. Setiap template terdiri dari title master page, slide master page, dan 3 backgrounds.<br />
<a href="http://www.mastertemplates.com/powerpoint-templates.htm" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Master Templates"><img alt="Master Templates" class="bgShadowImg" height="303" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHzNy5grye1xGtBz8AJsCw0Tg8Y5YUpyeGgu0We96bzuqN-9apRLmpMF1EGyomzlJWEqnIut8qEgaziY2cBVaPeh70SPtciVRIOXj0e5PlChZLnZp6uDen4z9VRM4v98lsj14v44Na3jls/s800/master_template.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="353" /></a></div>
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<a href="http://www.presentationpoint.com/powerpoint-templates/index.htm" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Presentation Point">Presentation Point</a><br />
Memiliki kumpulan template PowerPoint yang elegan dan unik.<br />
<a href="http://www.presentationpoint.com/powerpoint-templates/index.htm" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Presentation Point"><img alt="Presentation Point" class="bgShadowImg" height="221" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKE_yRAB1l8C6OfokjTNCGF0UdYQ7y3YDRiAh6vJTqQ80mJaamlrCoAlXysKC9na36S6U6ChR6skCzqWywV7ycbrl8RkP9HrmwgVhJqQrFigH8beGx9DZ5_6o_CzbVkNPVL-ALnpBli9Yi/s800/presentation_point.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="400" /></a></div>
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Power-templates.com<br />
Memiliki template PowerPoint dengan berbagai tema, yang berhubungan dengan bisnis, pendidikan, medis, pernikahan, sains, dan banyak lagi. <strong style="border: 0px; box-sizing: border-box; content: "["; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; left: -0.1em; line-height: inherit; margin: 0px; padding: 0px; transform: translateX(-100%); transition: color 0.2s; vertical-align: baseline;">Update:</strong> Situs ini sudah tidak aktif.<br />
<img alt="Power-templates.com" class="bgShadowImg" height="401" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0YcKDLrOQeSQ4re8WcI1gMBTnANLhyphenhyphenE_-YsjDRP-tSwEPbyVwSePHIUnOpdZ-g9tpEg9hsmBdMZg0zPyVzNhAJ37cp96D9cGdWGF088uzc_ESO1l18wCYYuhtIr9yFKNmDRgK0nx7waf3/s800/power-template.jpg" style="border: none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; padding: 8px; vertical-align: text-top;" width="400" /></div>
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<a href="http://www.powerpoint.org.cn/ppt/Index.html" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Powerpoint.org.cn">PowerPoint.org.cn</a><br />
Template PowerPoint yang disediakan memiliki tema yang beragam dan terbagi dalam berbagai warna.<br />
<a href="http://www.powerpoint.org.cn/ppt/Index.html" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Powerpoint.org.cn"><img alt="PowerPoint.org.cn" class="bgShadowImg" height="338" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjunOYU0UwlXyPulx0igTpW7tDbXHzJRo8n5q9h4Se9ui7-2O1l1eL69c3ItAEZsSqCJA_LL4J3mgV6IBEdyeYLZMq8nMQ1yecgMMk-cufy_Alk4oEoE767eJxE8QLnUZ1QIsQtvxuII9DD/s800/powerpoint_org.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="370" /></a></div>
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<a href="http://www.soniacoleman.com/templates.htm" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Sonia Coleman's">Sonia Coleman's</a><br />
Memberikan template PowerPoint gratis beserta file button (format JPG dan PNG) untuk digunakan sebagai <a href="http://www.computer1001.com/2009/05/fitur-action-untuk-navigasi-dan.html" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Fitur Action: Untuk Navigasi dan Menjalankan Movie serta Suara di PowerPoint">action button</a> atau hyperlink pada slide.<br />
<a href="http://www.soniacoleman.com/templates.htm" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Sonia Coleman's"><img alt="Sonia Coleman’s" class="bgShadowImg" height="381" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCyjL3F-kNMs-W9PM9plAn_Lw_QZjp3pZAqrScBEs842lobne_gXFZgQVDkuCqplYyVgS2E_rFX6bAzZ4tZyhnLmgSQ9rgDmhbORSNl8gBq5lDpGJSmn1H9dNbhhLADic8fsAGlMvhcpYQ/s800/sonias_coleman.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="400" /></a></div>
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<li style="border: 0px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px 0px 0.25em; padding: 0px; vertical-align: baseline;"><div style="border: 0px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin-bottom: 1.5em; margin-top: 1.5em; padding: 0px; vertical-align: baseline;">
<a href="http://www.brainybetty.com/MENUPowerPoint.htm" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Brainy Betty Official Site">Brainy Betty Official Site</a><br />
Memiliki banyak kumpulan template dengan tema abstrak dan juga background animasi.<br />
<a href="http://www.brainybetty.com/MENUPowerPoint.htm" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Brainy Betty Official Site"><img alt="Brainy Betty Official Site" class="bgShadowImg" height="284" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipe_n-S9xuj5QVxcyT3_LqifXryB9LxZdqPUTqB-AKeqFg3ZhxAGb4w1hAVMGWmSJM3Ve5rFmAgVYWsE5asCoQcKBlS-kTFB275fqlLlNzJjVtNMNbZsbNGhE2p4lG9n4dEzRJ7QkT24nB/s800/brainy_betty.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="402" /></a></div>
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<li style="border: 0px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px 0px 0.25em; padding: 0px; vertical-align: baseline;"><div style="border: 0px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin-bottom: 1.5em; margin-top: 1.5em; padding: 0px; vertical-align: baseline;">
<a href="http://www.inspiredpiece.com/downloads/powerpoint-templates" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Inspired piece">inspired piece</a><br />
Ada banyak themes PowerPoint yang terdapat di situs ini.<br />
<a href="http://www.inspiredpiece.com/downloads/powerpoint-templates" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Inspired piece"><img alt="inspired pieces" class="bgShadowImg" height="312" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinl7glxrHf0t9EzezBm8owCZw4u01ca_Q5FDQmMZQBrnRVqWDzIKPU6AjqiVhbP-hJLI8J3S8hr4ReMBdjK8-ZzZg5OtZ25-XdSg8oGbxjP0qf9RgAKWE4p7YRnRixmztk3ljZBmWoODj2/s800/inspired-piece-2.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="401" /></a></div>
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<li style="border: 0px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px 0px 0.25em; padding: 0px; vertical-align: baseline;"><div style="border: 0px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin-bottom: 1.5em; margin-top: 1.5em; padding: 0px; vertical-align: baseline;">
<a href="http://office.microsoft.com/en-us/templates/powerpoint-templates-FX102828209.aspx" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Microsoft Office Online">Microsoft Office Online</a><br />
Di sini, Anda bisa mendapatkan template untuk PowerPoint 2003, 2007, 2010, dan 2013. Memiliki banyak template berkualitas tinggi dengan berbagai tema, seperti akademis, bisnis, hobi, teknologi, dan lain-lain.<br />
<a href="http://office.microsoft.com/en-us/templates/powerpoint-templates-FX102828209.aspx" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Microsoft Office Online"><img alt="Microsoft Office Online" class="bgShadowImg" height="166" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6Lh-9Aag-_r0gM5vQUvsqZ9xCEZPeuZ73dUR1Mak-e-9ptDamFJSBx6TOcspYg1uPCqQads7WbXNTWuHiwpBiAMliJGqqFlOOFOV1DKwKBmUanpylbTz7LI3YpaJlQ3qrYZITWPS9EzL6/s800/Microsoft_Office_Online.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="423" /></a></div>
</li>
<li style="border: 0px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px 0px 0.25em; padding: 0px; vertical-align: baseline;"><div style="border: 0px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin-bottom: 1.5em; margin-top: 1.5em; padding: 0px; vertical-align: baseline;">
<a href="http://www.presentationload.com/en/Free-Products/?cur=1" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Presentation Load">Presentation Load</a><br />
Memiliki kumpulan template dengan warna background yang elegan. Template yang disediakan juga kompatibel dengan Open Office, Google Doc atau Keynote. Perlu registrasi untuk mendapatkan template PowerPoint.<br />
<a href="http://www.presentationload.com/en/Free-Products/?cur=1" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="Presentation Load"><img alt="Presentation Load" class="bgShadowImg" height="259" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqS6Oe8THnrpyu8yGc7pIxIntMSGQgJnYNmfcrBK8mBZqbQLWv7xXxm9ttt6JSgCxLO4VXCITctuOId0ZGAFVLuVO_fSphYeb5UfFSrrIGLNOX9qQ3v7AKzQruMYpJLv7-oXPKrhkzEd3t/s800/presentation_load.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="398" /></a></div>
</li>
<li style="border: 0px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin: 0px 0px 0.25em; padding: 0px; vertical-align: baseline;"><div style="border: 0px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; line-height: inherit; margin-bottom: 1.5em; margin-top: 1.5em; padding: 0px; vertical-align: baseline;">
<a href="http://www.poweredtemplates.com/free-ppt-powerpoint-templates.html" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="PoweredTemplate.com">PoweredTemplate.com</a><br />
Memiliki template gratis untuk title slide. Perlu registrasi untuk download atau klik tombol Like Facebook, Tweet, atau Google+.<br />
<a href="http://www.poweredtemplates.com/free-ppt-powerpoint-templates.html" rel="nofollow" style="border: 0px; box-sizing: border-box; color: #3498db; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: bold; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration: none; transition: all 0.25s; vertical-align: baseline;" target="_blank" title="PoweredTemplate.com"><img alt="PoweredTemplate.com" class="bgShadowImg" height="113" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXEbDJjKUJbKQRWuOsd1d1VGgQ2rLvpk9U7PyYLmd5VFOqGOGjk6dAX71UxbZAIiEdZtVCKZ0d4mBqdeRsT80L9Ytp9xPK0GoSNAjFnN-mTduWnWtpMxgWGPV4TZ9KKu7pXkDE0A3Bfn3Q/s800/powered_template.jpg" style="border: 0px none; box-shadow: rgb(153, 153, 153) 1px 1px 5px; box-sizing: border-box; font-family: inherit; font-size: inherit; font-stretch: inherit; font-style: inherit; font-variant: inherit; font-weight: inherit; height: auto; line-height: inherit; margin: 10px 12px 25px 2px; max-width: 100%; outline: none; padding: 8px; position: relative; vertical-align: text-top;" width="399" /></a></div>
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<span style="background-color: yellow; font-family: "open sans"; font-size: 15px;"><b><span style="color: red;">Sumber </span></b></span><span style="background-color: white; color: #444444; font-family: "open sans"; font-size: 15px;">: http://www.computer1001.com/2009/02/15-websites-untuk-download-template.html</span></div>
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<span style="color: #444444;"><span style="background-color: yellow; color: red;"><b>Contoh hasil slide power point (PPT) desaign by me (Hana.L)</b></span></span></div>
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<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.blogger.com/video.g?token=AD6v5dzsczpXrJF6E-nyq_cmSggHWt7_GREWukChLhKsaKjWp6dWH8YKeD4a08-lfnJ0snqgog-bRxO7fNEJm6Cg7g' class='b-hbp-video b-uploaded' frameborder='0'></iframe><br />
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Slide Skripsi Hana Lidyana* 🎓</div>
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<span style="color: #444444;"><span style="background-color: white;">* abaikan suara-suara saat rekaman video berlangsung, liat desaignnya saja 😁✌</span></span></div>
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<span style="color: #ea9999; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><i>Semoga apa yang saya tulis di blog saya, bisa menjadi inspirasi untuk para pembaca.</i></b></span></div>
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<span style="color: red; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung</marquee> </b></span><br />
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<span style="color: red; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">don't forget to like and share 👌</marquee></b></span></div>
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<span style="color: magenta; font-family: "georgia" , "times new roman" , serif; font-size: x-large;"><b style="background-color: #fff2cc;">:: Artikel Lainnya :: <a href="http://hanaqyen12.blogspot.co.id/2017/01/whats-kena-virus-10-indikasinya.html" target="_blank"><blink>Terkena Virus??</blink></a></b></span></div>
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com2tag:blogger.com,1999:blog-4242063908701094250.post-16102651646064362972017-01-14T07:35:00.001+07:002017-01-14T11:57:06.475+07:00Whats?? Kena Virus?? (10 indikasinya)<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;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwf5rfQnrYsrn73pZtCYM2CVFPyRhw_EO3UYgqFyzHHhtZ8Y8pJAovpEfe97VcahRQi2_uEXV6lraYihCl6N9YXGQfj-wgoYvSH7c2CVeR9sSEcgFI6Am13zKEPVV2gvAzH1HnPliMOOc/s1600/Pengertian%252Bvirus%252Bkomputer.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgwf5rfQnrYsrn73pZtCYM2CVFPyRhw_EO3UYgqFyzHHhtZ8Y8pJAovpEfe97VcahRQi2_uEXV6lraYihCl6N9YXGQfj-wgoYvSH7c2CVeR9sSEcgFI6Am13zKEPVV2gvAzH1HnPliMOOc/s400/Pengertian%252Bvirus%252Bkomputer.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Image from IT-Jurnal.com</td></tr>
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Whats???? Laptop Heng? Laptop bekerja sendiri tanpa perintah?? File banyak hilang?? Apa kena virus kali yah??!<br />
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Virus adalah aplikasi kecil yang mencemari file/program bahkan sistem windows pada komputer, laptop, notebook, atau netbook. Kebanyakan Virus mampu mentransfer dari satu komputer ke komputer lain, biasanya melalui flash disk, internet atau software bawaan.<br />
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Virus diketahui seperti parasit dapat menyusup, menyebarkan dan merusak sistem komputer atau laptop. Komputer yang terkena atau terinfeksi virus kinerjanya mulai melambat sampai akhirnya seluruh sistem crash atau rusak, bahkan sampai tidak berfungsi. <br />
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Virus komputer muncul dalam segala bentuk dan ukuran. Efek negatif dari virus atau malware bervariasi, kadang-kadang efeknya begitu halus sampai tidak menyadari bahwa komputer telah<br />
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Panduan ini dapat menunjukkan tanda-tanda untuk mengetahui komputer yang terkena virus. Namun meskipun komputer menunjukkan beberapa ciri-ciri ini, mungkin juga tidak benar-benar terinfeksi, bisa jadi karena masalah hardware dan software.<br />
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<span style="background-color: yellow;"><span style="color: blue; font-family: "georgia" , "times new roman" , serif; font-size: x-large;"><b><i>Artikel Lain <a href="http://hanaqyen12.blogspot.co.id/2017/01/cara-membuat-halaman-berbeda-dalam-satu.html" target="_blank">Cara Membuat Halaman Berbeda Dalam Satu File di Ms. Word</a></i></b></span></span></div>
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Tetapi jika terdapat tanda-tanda atau gejala aneh berikut ini, komputer atau laptop kemungkinan besar sudah terinfeksi oleh virus, diantaranya adalah:<br />
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<ol>
<li>Informasi atau gambar aneh tiba-tiba muncul di layar.</li>
<li>CD/DVD tray muncul keluar tanpa alasan apapun.</li>
<li>Ajaib, Program secara otomatis jalan sendiri.</li>
<li>Ada program mencoba akses Internet tanpa alasan yang jelas.</li>
<li>Sistem kerja windows sering crash atau membeku.</li>
<li>Tidak bisa masuk windows atau tidak bisa buka program.</li>
<li>Program berjalan sangat lambat atau lebih lambat dari biasanya.</li>
<li>File/folder menghilang atau isinya dimodifikasi secara otomatis.</li>
<li>Lampu indikator LED hard disk/drive berkedip-kedip terus menerus dengan cepat tanpa berhenti.</li>
<li>Komputer sering mati sendiri tanpa perintah.</li>
</ol>
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<marquee align="center" direction="left" height="200" scrollamount="2" width="30%"><span style="font-size: x-large;"> Read. .Like. . and Share . . thank you for coming </span></marquee></div>
Untuk mengatasi atau mencegah hal tersebut diatas disarankan scanning menggunakan Antivirus. Meskipun tidak ada antivirus yang sempurna, tapi setidaknya dapat meningkatkan keamanan komputer.<br />
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Program Anti-virus banyak tersedia di internet untuk melawan virus, sedangkan untuk masalah virus komputer yang parah, disarankan untuk install ulang windows.</div>
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Tapi sekali lagi...meskipun laptop atau komputer di lengkapi dengan anti virus ternama, tetapi tidak pernah di update, akan berbahaya!!</div>
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Karena nantinya anti virus tersebut tidak akan berfungsi maksimal mendeteksi virus, dan bisa berakibatkan perkembangan virus yang meluas pada laptop atau komputer anda.</div>
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Coba di cek lagi, kapan terakhir kali anda meng-update anti virus pada laptop atau komputer anda??</div>
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Selamat mengoprek..oprek...</div>
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_Salam Dunia IT_</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4SxZegHzHt_wuh8nVhFvi6vDL54iOVQPf3L5KspTxS7BObayIbbb9rhHfJRTMsJRMhx5tUdll07IGuoepNGK6XdOhn8ZtoyZoVa2_eZ2j1rJeeDHNMOVleKbpi7uEBTEcG-U5Wwx-Ix0/s1600/bye_bye.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg4SxZegHzHt_wuh8nVhFvi6vDL54iOVQPf3L5KspTxS7BObayIbbb9rhHfJRTMsJRMhx5tUdll07IGuoepNGK6XdOhn8ZtoyZoVa2_eZ2j1rJeeDHNMOVleKbpi7uEBTEcG-U5Wwx-Ix0/s320/bye_bye.gif" width="289" /></a></div>
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-68146178880100974342017-01-13T16:19:00.005+07:002018-03-25T09:46:30.520+07:00Cara Membuat Halaman Berbeda Dalam Satu File di Ms. Word 2007/2010/2013<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEirYLTfi8SCbS065KUugozqB5Bb5uAD9Qol8pvwGwk6dPbOiV53o5Nv7ynNHtBgA5YxxPDhgmy9VXlYEcAQW4lqu5yu3YOHulGUNC1TyeUXZ2vxQFM4GuVHbI2P7q4O8aCOPcwadlacwgA/s1600/tips-and-tricks9657812.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="206" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEirYLTfi8SCbS065KUugozqB5Bb5uAD9Qol8pvwGwk6dPbOiV53o5Nv7ynNHtBgA5YxxPDhgmy9VXlYEcAQW4lqu5yu3YOHulGUNC1TyeUXZ2vxQFM4GuVHbI2P7q4O8aCOPcwadlacwgA/s320/tips-and-tricks9657812.jpg" width="320" /></a></div>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b style="background-color: #f4cccc;">Dalam membuat sebuah buku, skripsi, proposal atau apalah namanya yang berupa naskah dengan banyak halaman, biasanya disertai dengan halaman daftar isi yang memuat topic atau bahasan yang ada dalam buku atau skripsi tersebut dan dicantumkan juga nomor halaman atau page number.Dalam aturan pemberian nomor halaman terdapat dua format nomor halaman, yaitu format nomor halaman dengan angka romawi kecil, dan penomoran halaman dengan menggunakan angka standart. Penomoran halaman dengan angka romawi kecil yaitu I, ii, iii, dst biasanya diberikan mulai halaman judul, abstrak, halaman pengesahan, halaman motto, sampai dengan halaman daftar isi atau kata pengantar. Sedangkan normor halaman yang menggunakan angka standart 1, 2, 3, dst diberikan pada halaman Bab I Pendahuluan dan seterusnya.</b></span></div>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b style="background-color: #f4cccc;">Dan biasanya aturan letak memberikan nomor halaman juga berbeda. Halaman judul sampai dengan kata pengantar yang menggunakan angka romawi kecil biasanya terletak di bagian footer dan center (berada di tengah-tengah). Sedangkan halaman BAB I Pendahuluan dan seterusnya menggunakan angka standart dan nomor halamannya terletak pada footer sebelah kanan (right) kecuali pada setiap halaman BAB berada pada header ( atas) sebelah kanan.</b></span></div>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b style="background-color: #f4cccc;">Untuk mengatur seperti tersebut diatas, biasanya penulis atau yang ngetik naskah membagi menjadi dua atau tiga file yang terdiri dari file yang berisi halaman judul dan satunya lagi file dengan halaman dengan nomor angka standart (BAB I, dst). Namun hal tersebut dapat kita jadikan menjadi satu file saja yang terdiri dari halaman dengan nomor romawi dan halaman dengan nomor angka standart. Untuk itu anda harus membuat section break. Dan berikut ini caranya :</b></span></div>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b style="background-color: #f4cccc;"><b style="background-color: yellow; font-family: Georgia, "Times New Roman", serif; font-size: xx-large;"><i>Artikel lainnya <a href="http://hanaqyen12.blogspot.co.id/2017/01/cara-merawat-laptop-agar-awet-tahan-lama.html" target="_blank">Cara Merawat Laptop Agar Awet & Tahan Lama</a></i></b></b></span></div>
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<li><b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif;">Ketik semua naskah buku, skripsi, proposal, laporan dan sebagainya.</b></li>
<li style="text-align: justify;"><b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif; text-align: center;">Untuk membuat nomor halaman romawi pada halaman judul sampai kata pengantar, klik insert, pada group menu Header&Footer klik Page Number kemudian pilih Bottom of page dan pilih Plain number 2</b></li>
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<b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif; text-align: center;"><b><img height="282" src="https://aselicahndeso.files.wordpress.com/2012/01/page-number.png?w=300" width="400" /></b></b></div>
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<li style="text-align: justify;"><b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif;">Maka halaman 1 akan terlihat pada halaman judul. Untuk merubah angka standart menjadi angka romawi, klik pada page number dan pilih Format page numbers. </b></li>
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<b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif; text-align: center;"><b><a href="https://aselicahndeso.files.wordpress.com/2012/01/format-page-number.png?w=278"><img border="0" height="313" src="https://aselicahndeso.files.wordpress.com/2012/01/format-page-number.png?w=278" width="400" /></a></b></b></div>
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<li style="text-align: justify;"><b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif; text-align: center;">Pada number format pilih i,ii,iii,…. Dan klik OK, maka nomor halaman akan berubah dari angka 1 menjadi i (angka romawi 1)</b></li>
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<li><b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif;">Sampai disini semua halaman menggunakan angka romawi kecil.</b></li>
<li><b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif;">Untuk membuat halaman BAB I Pendahuluan dan seterusnya menjadi angka standart dimulai dari angka 1 tanpa merubah format nomor halaman sebelumnya, maka halaman BAB I harus dibuat section break. Caranya adalah letakkan kursor pada halaman BAB I atau halaman yang nomor halamannya akan dirubah. Kemudian klik Ribbon Page Layout, dan klik Breaks pada group menu Page setup. Kemudian klik atau pilih Next page. Sampai disini new section break telah terbentuk.</b></li>
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<b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif;"><b><a href="https://aselicahndeso.files.wordpress.com/2012/01/pagebreak.jpg"><img height="400" src="https://aselicahndeso.files.wordpress.com/2012/01/pagebreak.jpg?w=281&h=300" width="375" /></a></b></b></div>
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<li><b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif;">Klik ganda pada Footer / nomor halaman BAB I, pada ribbon design, group menu navigation, nonaktifkan tombol Link to previous. Klik tombol tersebut sehingga tidak berwarna kuning lagi.</b></li>
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<li style="text-align: justify;"><b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif;">Hapus nomor halaman tersebut, kemudian pada ribbon design, group menu Header&Footer klik page number. Dan pilih format page numbers.</b></li>
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<li><b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif;">Pada number format ubah i,ii,iii,…. Menjadi 1,2,3,… kemudian pada pilihan start at pilih 1 dan klik OK.</b></li>
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<b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif;"><b><img height="400" src="https://aselicahndeso.files.wordpress.com/2012/01/number-format.png?w=268" width="385" /></b></b></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><i><marquee align="center" direction="left" height="200" scrollamount="2" width="30%">Read..Like..and Share.. Thank you for watching</marquee></i></span></div>
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<li><b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif;">Sampai disini sudah berubah, yaitu halaman judul sampai dengan kata pengantar menggunakan format nomor halaman menggunakan angka romawi kecil sedangkan pada halaman BAB I Pendahuluan menggunakan nomor halaman angka standart.</b></li>
<li><b style="background-color: #f4cccc; font-family: "Trebuchet MS", sans-serif;">Untuk pengaturan letak halaman pada prinsipnya menggunakan cara yang sama yaitu menghilangkan fungsi link to previous dan start at pilih secara manual halaman yang anda butuhkan.</b></li>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b style="background-color: #f4cccc;">Setelah pengaturan diatas, maka dalam satu file nomor halaman berbeda-beda formatnya, ada nomor halaman dengan format angka romawi i,ii,iii,… dan ada juga nomor halaman yang menggunakan angka standart / Arabic 1,2,3,…</b></span></div>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b style="background-color: #f4cccc;">Selamat mencoba, semoga berhasil. 😎😎😎😎😎😎😎 | sebagai catatan kecil, mungkin tampilannya akan berbeda jika di praktekkan ke Ms. Word 2010/2013 atau di atasnya, tapi pada dasarnya fungsinya atau cara membuatnya sama saja.</b></span></div>
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-63037787328137683332017-01-13T15:10:00.004+07:002017-01-30T10:11:25.157+07:00Universitas Krisnadwipayana ::Quotes from Accounting::<br />
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<span style="color: #e06666; font-family: "trebuchet ms" , sans-serif; font-size: large;"><b>Hai... ketemu lagi dengan si blogger amatir.. Hana. (hihihi... narsis sedikit bolehlah yah.. 😂😂).</b></span></div>
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<span style="color: #e06666; font-family: "trebuchet ms" , sans-serif; font-size: large;"><b>Kali ini membahas tentang kesan dan pesan semua anak-anak di kelas akuntansi 310... rada mau nangis salin pesan dan kesan dari mereka. sebenarnya tulisan dari mereka mau di kompilasi ke video, tapi belum jadi-jadi karena kesibukan susun skripsi beberapa waktu lalu.</b></span></div>
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<span style="color: #e06666; font-family: "trebuchet ms" , sans-serif; font-size: large;"><b>Singkat cerita, ini beberapa kesan dan pesan dari masing-masing teman-teman sekelas.. cek it dot.. </b></span></div>
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<span style="background-color: #ffd966; color: blue; font-family: "trebuchet ms" , sans-serif; font-size: x-large;">Dimulai dari Genk Soleha (ada Aat, Indah, Rinda, dan Glina) 😁😁</span></div>
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<span style="background-color: #ffd966; color: blue; font-family: "trebuchet ms" , sans-serif; font-size: x-large;">Dilanjut ke Genk Tri Angels (ada Sri, Retno dan Imah) 😁😁</span></div>
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<span style="background-color: #ffd966; color: blue; font-family: "trebuchet ms" , sans-serif; font-size: x-large;">Lanjut ke Genk T5G - The Five Ngehist (ada Wanda, Weny, Sinta, Lina dan Hana) 😁😁</span></div>
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<span style="background-color: #ffd966; color: blue; font-family: "trebuchet ms" , sans-serif; font-size: x-large;">Lanjut ke Genk Ketu (ada Suha, Dini, Vivie dan Hilda), kenapa Ketu? karena ketua kelasnya ada disini -> Suha <- 😁😁</span></div>
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<span style="color: blue; font-family: "trebuchet ms" , sans-serif; font-size: x-large;"><span style="background-color: #ffd966;">Next kita ke Genk Five (ada Siti, Diah, Ipin, Rose, dan Rika)</span></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiB8k-hd-cy5iUrLJ6JEXKfVrQtOHSh0fPIKHaZi6tskNxVvTOp1_w62pom94wElbIuSkuIMBSXM0dSrYXkhSHBGnWttmXYMPLwBnmXE0AlyatTTiDwZZk4s0Iw8ZpLzxlQlSx3nS2VA38/s1600/Siti.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiB8k-hd-cy5iUrLJ6JEXKfVrQtOHSh0fPIKHaZi6tskNxVvTOp1_w62pom94wElbIuSkuIMBSXM0dSrYXkhSHBGnWttmXYMPLwBnmXE0AlyatTTiDwZZk4s0Iw8ZpLzxlQlSx3nS2VA38/s1600/Siti.jpg" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTtTQm34GTfUwTXwsgV5Q5grmxZYrFdF84n_wBV9Jx2rU-0uALA98RTpDcQOQQxGP3tR8k-8_6xD61jkSFsgjUxRrzWRyE7ZBITNf4cDx60i5_QK_t0x2b4g-u1JNf18yJw0BBwPjMjVI/s1600/DIAH+BLOG.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhTtTQm34GTfUwTXwsgV5Q5grmxZYrFdF84n_wBV9Jx2rU-0uALA98RTpDcQOQQxGP3tR8k-8_6xD61jkSFsgjUxRrzWRyE7ZBITNf4cDx60i5_QK_t0x2b4g-u1JNf18yJw0BBwPjMjVI/s1600/DIAH+BLOG.jpg" /></a></div>
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<span style="color: blue; font-family: "trebuchet ms" , sans-serif; font-size: x-large;"><span style="background-color: #ffd966;">The Last Duo Srigala Ompong (Rizky dan Rian)</span></span></div>
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<span style="background-color: #fff2cc; color: #e06666; font-family: "trebuchet ms" , sans-serif; font-size: x-large;"><b>Terimakasih ya guys buat kebersamaannya yah guys, semoga selalu bisa berkomunikasi dengan baik dan bisa ngadain reunian atau kegiatan positif lainnya.. Sukses untuk kita semua.. 😊😊😊😊😊😊😍😍😍😍😍😍😍😍😍😍😚😚😚😚😚</b></span></div>
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<span style="background-color: #fff2cc; color: #e06666; font-family: "trebuchet ms" , sans-serif; font-size: x-large;"><b>Kunjungi lainnya </b></span></div>
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<b style="color: #e06666; font-family: "trebuchet ms", sans-serif; font-size: xx-large;"><a href="http://hanaqyen12.blogspot.co.id/2017/01/indahnya-berbagi-bukber-unkris-akt-2016.html" target="_blank">Indahnya Berbagi (BukBer UNKRIS - Akt - 2016)</a></b></div>
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<span style="background-color: #fff2cc; color: #e06666; font-family: "trebuchet ms" , sans-serif; font-size: x-large;"><b>Terimakasih sudah membaca blog ku kali ini semunya.. </b></span></div>
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com3tag:blogger.com,1999:blog-4242063908701094250.post-8342545345662338602017-01-03T17:34:00.002+07:002017-02-06T17:13:38.392+07:00Laptop murah, tapi jadi terlihat mahal?? Why?? Kok bisa..??<div class="separator" style="clear: both; text-align: center;">
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<span style="color: #e06666; font-family: "trebuchet ms" , sans-serif; font-size: large;">Hai... kembali lagi di artikel tips&tricks saya... 😎</span></div>
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<span style="color: #e06666; font-family: "trebuchet ms" , sans-serif; font-size: large;">Kali ini mau kasih tips, supaya laptop bisa terjaga ketahanannya, keawetannya dalam penggunaannya sebagai pengguna aktif laptop. check it dot..</span></div>
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<strong style="background-color: white; border: 0px; color: #e06666; font-family: "Trebuchet MS", sans-serif; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="font-size: large;">1. Jauhi mengunakan Laptop dalam situasi di atas Kasur</span></strong></div>
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<span style="font-size: large;"><span style="font-family: "trebuchet ms" , sans-serif;">Ini dia kebisaan yang tanpa ada diakui bisa bikin laptop cepat rusak, upayakan semaksimal mungkin saja tak mengunakannya waktu laptop ada diatas kasur, Mengapa? Lantaran kasur atau bahan lembut serta empuk yang lain berbentuk untuk menyerap panas, bukanlah buang udara panas. Sedang Ketika laptop menyala, laptop selalu keluarkan udara panas, hingga panas itu bakal diserap oleh kasur yang diatasnya pas ada Laptop. Hingga hal semacam ini tentu bisa membahayakan laptop Anda.</span></span></div>
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<span style="font-size: large;"><span style="font-family: "trebuchet ms" , sans-serif;"><strong style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">2. Janganlah Menyimpan Benda Di Atas Laptop Terlebih Benda Itu Sangatlah Berat </strong></span></span></div>
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<span style="font-size: large;"><span style="font-family: "trebuchet ms" , sans-serif;">Saat Laptop terhimpit dengan benda yang sangatlah berat, meskipun laptop waktu itu dalam situasi tertutup, namun terus hal itu bisa bikin LCD laptop jadi rusak. Sinyal tanda rusaknya LCD awalannya dari timbulnya garis-garis seperti pada tv sampai apabila LCD telah rusak kronis jadi bakal mati keseluruhan. Jadi cermati laptop anda apakah saat ini terhimpit satu barang yang berat.</span></span></div>
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<strong style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">3. Menempatkan Baterai Saat Laptop Dioperasikan. </strong></div>
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Saat mengunakan Product laptop di th. 2005 ke bawah benar-benar sangat beresiko saat mengoperasikan laptop dalam situasi mencharge, hingga bisa bikin baterai laptop menggembung. Hingga beberapa orang yang mengperasikan laptop tanpa ada mengunakan baterai, cuma mengunakan segera dari Charger lisrik.</div>
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Namun product laptop keluaran saat ini, telah aman untuk mengoperasikan laptop walau dalam situasi mencharge, baterai. laptop tak mengembung. Hingga jauhi mengunakan laptop tanpa ada beterai, waktu mencharge. Lantaran jika mendadak listrik dirumah anda padam, jadi itu bakal bikin laptop anda segera mati serta menyebabkan jelek pada komponen laptop anda. Jadi terus gunakan baterai laptop yang nanti bisa berperan juga sebagai penahan daya, apabila lisrik mendadak padam.</div>
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<strong style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">4. Bersihkan Debu yang Hinggap di Laptop. </strong></div>
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Ini yang butuh dilatih, membiasakan untuk bersihkan debu yang hinggap di laptop. Meskipun ini adalah hal yang simpel, namun membiasakan diri untuk bersihkan debu yang hinggap pada laptop bisa membat laptop makin awet.. Lantaran bila debu yang hingap di laptop selalu menumpuk dibagian saluran pembuangan hawa bisa mengakibatkan rusaknya yang cukup fatal. Oleh karenanya rajinlah dalam memersihkan laptop dengan cara berkala.</div>
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<strong style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">5. Janganlah Meletakan Benda Cair Di Dekat Laptop. </strong></div>
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Seluruhnya barang elektronik memanglah bakal cepat rusak apabila terserang benda cair. Termasuk juga laptop jika terserang benda cair bakal rusak kronis. Hingga, jauhkanlah laptop dari benda-benda cair, kekeliruan yang seringkali yaitu secangkir kopi yang diletakan dekat dengan laptop. Jika laptop terserang benda cair selekasnya matikan laptop lantas terlepas baterai. Sesudah kering cobalah hidupkan kembali laptop, semoga tak berlangsung rusaknya.</div>
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<strong style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">6. Jauhi Mengoperasikan Laptop Di Ruang Yang Bersuhu Panas. </strong></div>
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Mengoperasikan computer didalam Suhu ruang yang sangatlah panas bisa mengakibatkan kerusakan komponen-komponen laptop. Apabila terus mau mengunaakn latop didalam suhu ruang yang panas, jadi manfaatkanlah kipas pendingin (cooling pad). Cooling pad ada yang terbagi dalam sebagian kipas kecil atau ada dengan juga rmodel 1 kipas besar. Memakai Kipas pendingin bisa menolong aliran hawa jadi baik untuk laptop.</div>
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<span style="background-color: #d9d2e9; color: yellow;">Baca artikel lainnya <a href="http://hanaqyen12.blogspot.co.id/2017/01/cara-membuat-halaman-berbeda-dalam-satu.html" target="_blank">Cara Membuat Halaman Berbeda Dalam Satu File di Ms. Word</a></span><br />
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<strong style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">7. Jauhi Mengunakan Laptop Sampai Baterai kosong Hingga 0% </strong></div>
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Jika terus-terusan mengunakan laptop hingga baterai kosong 0%, tentu hal semacam ini bakal memperpendek usia baterai. Jadi jika baterai laptop telah mendekati 0%, jadi selekasnya charger kemabali, saat sebelum baterai habis, charge baterai itu hingga penuh 100%. Sangatlah dianjurkan Pemakai laptop lakukan setting laptop mati saat baterai kosong mendekati 0%, setting dibagian Power Options.</div>
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<strong style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">8. Jauhkan Benda-Benda Magnet Dari laptop </strong></div>
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Terlebih Untuk Magnet yang sangatlah kuat, terlebih memanglah benda itu adalah magnet 100%, seperti batu magnet. Hingga terkecuali benda cair yang butuh dijauhkan dari latop, jadi benda keras yang mempunyai kemampuan magnet yang sagat kuat mesti dijauhkan dari laptop.</div>
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<strong style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">9. Mengatur tingkat Kecerahan Monitor</strong></div>
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Pakai kecerahan monitor monitor yang tengah saja (sesuai sama keperluan), hal semacam ini untuk memimalisir pemakaian daya yang terlalu berlebih. Lantaran makin jelas monitor laptop anda, jadi bakal makin banyak power baterai yang bakal dikonsumsi. setting kecerahan monitor laptop ke posisi yang lebih redup (tak jelas terlalu berlebih), namun tentu dengan tingkat kecerahan yang terus nyaman melihatnya.</div>
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<strong style="border: 0px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">10. Nonaktifkan Piranti Eksternal Yang Tak Diperlukan</strong></div>
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Nonaktifkan piranti yang tengah tak dibutuhkan, seperti piranti seperti USB Flash Drive maupun piranti eksternal yang lain, yg tidak dipakai. Termasuk Wi-Fi serta seluruhnya piranti keras yang lain bila tak diperlukan waktu itu. Lantaran hal semacam itu bakal dengan kuras banyak daya baterai laptop. Hingga nonaktifkan seluruhnya piranti yg tidak diperlukan.</div>
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<span style="font-size: large;"><strong style="border: 0px; color: #e06666; font-family: "Trebuchet MS", sans-serif; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">11. Waktu Mengoperasikan, Upayakan Alas Laptop berupa Permukaan Yang Datar </strong></span></div>
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<span style="font-size: large;"><span style="font-family: "trebuchet ms" , sans-serif;">Saat Laptop dalam situasi menyala, salah satu komponen laptop yang berupa seperi piringan pada harddisk dalam keadaan berputar. Terlebih saat tengah buka aplikasi spesifik didalam laptop, jadi piringan itu makin keras berputar. Bila laptop dalam situasi posisi miring, piringan itu bisa tergores dengan komponen paling dekatnya dari harddisk, jadi sangatlah beresiko, yang bisa bikin rusaknya keseluruhan</span></span></div>
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<span style="background-color: yellow; color: blue; font-family: "trebuchet ms" , sans-serif; font-size: large;">Demikianlah artikel tips&tricks kali ini semoga bermanfaat. 😇</span></div>
hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-35777874444430572322017-01-03T12:39:00.004+07:002017-01-30T17:50:59.360+07:00Universitas Krisnadwipayana ::Indahnya Berbagi~Bukber Akt 2016::<div class="separator" style="clear: both; text-align: center;">
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<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">Alhamdulillah, kelas kami yang bisa dibilang kelas tercuek dengan kegiatan kampus. Sebenarnya bukan cuek sih, tapi karena kelas kami adalah semuanya sudah bekerja jadi sangat sulit untuk mengikuti kegiatan kampus di hari biasa.</span></div>
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<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">Acara ini sebenarnya dadakan dilakukan, karena pada awalnya kelas kami hanya ingin mengadakan buka puasa bersama 1 (satu) kelas saja seperti tahun-tahun sebelumnya. Terceletuklah ide yang subhanallah dari salah seorang teman sekalas ku, yaitu Aat Aliyanah <span style="color: blue;">(biasa dipanggil Ali, padahal dia perempuan. hehehe.. luph you Ali 😍)</span></span></div>
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<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">Setelah dia memberikan ide baik ini, kita berdua mencoba untuk share berita baik ini, dan ternyata tanpa disangka-sangka responnya sangat aktif dari semua anggota group whatsapp akt kelas kami. Setelah itu disusunlah rancangan acara, yang sebenarnya semua harus saya juga yang nyusun, karena kalau andalkan teman-teman agak sulit karena kami semua berbeda kantor. Ketika rancangan sudah dibuat, saya share tugas dan tanggung jawab masing-masing selama kegiatan ini berlangsung. </span></div>
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<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">Dari mulai cari tempat untuk Acara, undangan ke anak yatim, menentukan makanan buka puasa dari hidangan ringan hingga yang hidangan pokok, permainan menarik selama acara berlangsung, dan masih banyak lagi, semua tersusun dengan baik agar semua bisa ikut merasakan kerjasama dalam mengurus event kecil ini dan bisa menjadi kenangan terindah di penghujung tahun perkuliahan kami.</span></div>
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<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">Banyak suka dan duka yang sudah kami alami dalam 1(satu) kelas ini, dari yang ber-genks, dari marah-marahan, ribut-ribut, banyak bolos kuliah, kumpulin tugas selalu mepet, dan selalu kompak pas kerjain UTS / UAS. <span style="color: blue;">(upsss.... sedih... 😢)</span></span></div>
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<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">Tapi menurutku ini yang paling berkesan, karena kami mengundang pak Ustad untuk berceramah saat itu, dan ternyata meng-<i>appreciate</i> kegiatan kami, yang katanya jarang dilakukan di dalam kampus Unkris ini <span style="color: blue;">(entah itu hanya memuji atau benar adanya, tapi ya Alhamdulillah 😊)</span>, disamping itu pak Ustad pun ikut mendoakan kami agar skripsi kami saat itu dimudahkan prosesnya, dimudahkan menuju sidang skripsi dan bisa wisuda tepat pada waktunya. <span style="color: blue;">(amiiiiiiiiiin.....😇 -teriakan ini terjadi saat pak Ustad mendoakan kami-)</span></span></div>
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<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">Teman-teman seangkatan ku, meskipun isi kepala kita sering berbenturan, ego kita sering bermunculan, atau bahkan sering sekali beda pendapat. Hal-hal seperti ini lah yang akan jadi kenangan semasa kita kuliah. Dan aku percaya, saat ini kalian rindu bangku kuliah hanya sekedar canda tawa dan menjalin keakraban bersama. <span style="color: blue;">(duhh... makin haru... 😢😢😢)</span></span></div>
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<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">Semua terdokumentasi dengan baik acara ini dengan Dokumenter handal Rizky Dewantoro <span style="color: blue;">(biasa dipanggil Iki kalo di kelas.. hehe 😂)</span>, dan Mas Aji <span style="color: blue;">(mamas saya, hehehe 😅)</span>. Terimakasih untuk kerjasamanya selama kegiatan ini berlangsung ya semua teman-teman, dan semua kenangan yang sudah kita buat selama 4 (empat) tahun sama-sama kuliah di Universitas Krisnadwipayana. Semoga kita bisa mengadakan kegiatan yang jauh lebih baik lagi yah guys.. <span style="color: blue;">😍😍😍</span></span></div>
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<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">Teruntuk semua yang terlibat:</span><br />
<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">- Aat Aliyanah - Suha Marisi L. Tobing</span><br />
<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">- Indah Dwijayanti - Dini Islamiyati</span><br />
<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">- Rinda Linggasari - Vivie L. Habber</span><br />
<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">- Rahmania Glina M. - Hilda Wandita</span><br />
<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">- Rosmawati - Sri Wahyuni</span><br />
<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">- Rika Ikawati - Retno Wulandari</span><br />
<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">- Eviana Eka Y. - Nur Rohmayati</span><br />
<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">- Diah Y. - Rizky Dewantoro P.</span><br />
<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">- Siti Nurhasanah - Ryan Adrian</span><br />
<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">- Susinta - Hana Lidyana</span><br />
<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">- Maulina Ayu - Wandari Saraswati</span><br />
<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">- Weny Septriansyah - Fadli</span><br />
<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">- Mas Aji</span><br />
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<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">Ini dia, dokumentasi selama acara Buka Bersama yang kami buat tepat di Bulan Ramadhan Tahun 2016 (25 Juni 2016)..........</span></div>
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<span style="font-family: "trebuchet ms" , sans-serif; font-size: large;">Terimakasih untuk semua yang sudah membaca blog amatir dari saya, semoga cerita ini bisa menginspirasi kalian semua para pembaca. Wassalamualaikum... <span style="color: blue;">😇</span></span></div>
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<br />hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-20131865792510223152017-01-03T10:45:00.000+07:002017-01-23T08:41:52.578+07:00Cara Membuat Tempat Jarum Pentul (Genk Hijabers)<div dir="auto" style="background-color: white; color: #222222; text-align: justify;">
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<span style="font-family: "verdana" , sans-serif; font-size: large;">Kalau bisa dilihat.. sering sekali kita lalai dalam meletakkan barang-barang kecil, terutama para hijabers yang terkadang suka lalai dalam meletakkan jarum pentul. Hati-hati lho guys...nanti takutnya jarum tercecer ke lantai dan kita tidak mawas bisa ketusuk sendiri.. <span style="margin-left: 0.2ex; margin-right: 0.2ex;"><img alt="😱" class="CToWUd" data-goomoji="1f631" goomoji="1f631" src="https://mail.google.com/mail/e/1f631" style="margin: 0px 0.2ex; max-height: 24px; vertical-align: middle;" /><img alt="😱" class="CToWUd" data-goomoji="1f631" goomoji="1f631" src="https://mail.google.com/mail/e/1f631" style="margin: 0px 0.2ex; max-height: 24px; vertical-align: middle;" /></span></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;">Nah..kali ini saya akan memberikan sedikit tips untuk membuat tempat jarum pentul yang unik (sekali lagi, sesuaikan dengan kemauan kalian yah guys... <img alt="😍" class="CToWUd" data-goomoji="1f60d" goomoji="1f60d" src="https://mail.google.com/mail/e/1f60d" style="margin: 0px 0.2ex; max-height: 24px; vertical-align: middle;" /><img alt="😍" class="CToWUd" data-goomoji="1f60d" goomoji="1f60d" src="https://mail.google.com/mail/e/1f60d" style="margin: 0px 0.2ex; max-height: 24px; vertical-align: middle;" />)</span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><span style="color: red;"><b>Ayo..kita buat.. </b></span><span style="color: #222222; margin-left: 0.2ex; margin-right: 0.2ex;"><img alt="😎" class="CToWUd" data-goomoji="1f60e" goomoji="1f60e" src="https://mail.google.com/mail/e/1f60e" style="margin: 0px 0.2ex; max-height: 24px; vertical-align: middle;" /> (Jangan lupa siapkan bahan-bahannya)</span></span><br />
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<span style="color: red; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung</marquee></b></span><br />
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<li style="text-align: justify;"><span style="font-family: "verdana" , sans-serif; font-size: large;"><span style="background-color: white; color: #222222;">Pertama sediakan tempat kecil yang kira-kira cukup untuk menampung banyaknya jarum pentul milikmu. </span><span style="background-color: #fff2cc;"><span style="color: blue;"><b>(Saya menggunakan tempat penampungannya dari barang bekas, dulunya tatakan suvenir pernikahan<span style="margin-left: 0.2ex; margin-right: 0.2ex;"><img alt="😊" class="CToWUd" data-goomoji="1f60a" goomoji="1f60a" src="https://mail.google.com/mail/e/1f60a" style="margin: 0px 0.2ex; max-height: 24px; vertical-align: middle;" /></span>.. mau dong mas ke pernikahan <span style="margin-left: 0.2ex; margin-right: 0.2ex;"><img alt="😁" class="CToWUd" data-goomoji="1f601" goomoji="1f601" src="https://mail.google.com/mail/e/1f601" style="margin: 0px 0.2ex; max-height: 24px; vertical-align: middle;" /><img alt="😁" class="CToWUd" data-goomoji="1f601" goomoji="1f601" src="https://mail.google.com/mail/e/1f601" style="margin: 0px 0.2ex; max-height: 24px; vertical-align: middle;" /></span>.. eitss back to topic <span style="margin-left: 0.2ex; margin-right: 0.2ex;"><img alt="😛" class="CToWUd" data-goomoji="1f61b" goomoji="1f61b" src="https://mail.google.com/mail/e/1f61b" style="margin: 0px 0.2ex; max-height: 24px; vertical-align: middle;" /><img alt="✌" class="CToWUd" data-goomoji="270c" goomoji="270c" src="https://mail.google.com/mail/e/270c" style="margin: 0px 0.2ex; max-height: 24px; vertical-align: middle;" /></span>)</b></span></span></span></li>
<li style="text-align: justify;"><span style="font-family: "verdana" , sans-serif; font-size: large;"><span style="background-color: white; color: #222222;">Sediakan alat-alat untuk menghias seperti : jarum pentul, isolasi karakter, double tape, gunting, penggaris, dan gabus bekas </span><span style="background-color: #fff2cc;"><span style="color: blue;"><b>(saya gunakan gabus bekas beli sepatu baru..hehehe <span style="margin-left: 0.2ex; margin-right: 0.2ex;"><img alt="😆" class="CToWUd" data-goomoji="1f606" goomoji="1f606" src="https://mail.google.com/mail/e/1f606" style="margin: 0px 0.2ex; max-height: 24px; vertical-align: middle;" /></span>)</b></span></span></span></li>
<li style="background-color: white; color: #222222; text-align: justify;"><span style="font-family: "verdana" , sans-serif; font-size: large;">Ukur tempat kecil yang akan menjadi tempat penampungan jarum pentul mu dengan penggaris.</span></li>
<li style="background-color: white; color: #222222; text-align: justify;"><span style="font-family: "verdana" , sans-serif; font-size: large;">Ukur gabus bekas tersebut sesuai dengan permukaan dalam tempat penampungan.</span></li>
<li style="text-align: justify;"><span style="font-family: "verdana" , sans-serif; font-size: large;"><span style="background-color: white; color: #222222;">Beri rekatan pada permukaan dasar dari tempat penampungannya dengan double tape, full hingga tertutupi semua dengan double tape. Lalu lepaskan permukaan putih pada double tapenya. </span><span style="background-color: #fff2cc;"><span style="color: blue;"><b>(Jangan lupa dilepas yah, nanti gimana nempelnya coba <span style="margin-left: 0.2ex; margin-right: 0.2ex;"><img alt="😆" class="CToWUd" data-goomoji="1f606" goomoji="1f606" src="https://mail.google.com/mail/e/1f606" style="margin: 0px 0.2ex; max-height: 24px; vertical-align: middle;" /></span>)</b></span></span></span></li>
<li style="background-color: white; color: #222222; text-align: justify;"><span style="font-family: "verdana" , sans-serif; font-size: large;">Setelah semua tertutupi dengan double tape, maka letakkan gabus yang sudah kita ukur tadi kedalam kotak, pastikan sudah menempel sempurna.</span></li>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgp7YB1GRedxMOi5pRt_ahyphenhyphentOW5TXJ9cPJ-dfKvd8hr68ENh00a3_hcVIHDd8bqET5aShQCvyIFqMVXApgA-vaMgg8nZxuilMelyC-YLDgWdrSUd2L_wYb2oDJXbMR3zdwtWsDTmk0gPF4/s1600/20161218_173038_Richtone%2528HDR%2529.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgp7YB1GRedxMOi5pRt_ahyphenhyphentOW5TXJ9cPJ-dfKvd8hr68ENh00a3_hcVIHDd8bqET5aShQCvyIFqMVXApgA-vaMgg8nZxuilMelyC-YLDgWdrSUd2L_wYb2oDJXbMR3zdwtWsDTmk0gPF4/s320/20161218_173038_Richtone%2528HDR%2529.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgp7YB1GRedxMOi5pRt_ahyphenhyphentOW5TXJ9cPJ-dfKvd8hr68ENh00a3_hcVIHDd8bqET5aShQCvyIFqMVXApgA-vaMgg8nZxuilMelyC-YLDgWdrSUd2L_wYb2oDJXbMR3zdwtWsDTmk0gPF4/s1600/20161218_173038_Richtone%2528HDR%2529.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-right: 1em;"><span style="background-color: #fff2cc; color: purple;"><span style="font-size: x-small;">Gambar : Pemberian double tape di dasar tempat jarum yang akan kita buat</span></span></a></td></tr>
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<tr><td class="tr-caption" style="text-align: center;"><span style="background-color: #fff2cc;"><span style="color: purple;">Gambar : Meletakkan Gabus sebagai alas untuk tusuk jarum pentul</span></span></td></tr>
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<tr><td class="tr-caption" style="text-align: center;"><span style="background-color: #fff2cc;"><span style="color: purple;">Jenis Isolasi Karakter (untuk menghias tempatnya)</span></span></td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCgh-6YhNKOmqUOgw6PLFViivHhuaPZ2JZTz3VaPMVoquvgb2NyIjicxC50O6kHPJ-G3uGORDk0pGt-VQIHNMUuTrqGEBPL7BHEXrY7OgPB7jiwvswgXnc9K82-T5d7LU1I5CUMZtdGOg/s1600/20161218_173550_Richtone%2528HDR%2529.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCgh-6YhNKOmqUOgw6PLFViivHhuaPZ2JZTz3VaPMVoquvgb2NyIjicxC50O6kHPJ-G3uGORDk0pGt-VQIHNMUuTrqGEBPL7BHEXrY7OgPB7jiwvswgXnc9K82-T5d7LU1I5CUMZtdGOg/s320/20161218_173550_Richtone%2528HDR%2529.jpg" width="240" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="background-color: #fff2cc;"><span style="color: purple;">Hasil hiasan dari isolasi karakter</span></span></td></tr>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpyBK34SMnJpGsdiSiuzC1ozWIBHiuDqJcFQRDGDLLHsB2HCrNXvb2An-UC3cfEprWhtgUZcVxnBJT1v4Nn_ZdsNFFkpOR6i1G2hSJ9JnJNDyE14Sf0BvVSnHhpPr4NR1pYzhXupwnb3Y/s1600/20161218_174000_Richtone%2528HDR%2529.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhpyBK34SMnJpGsdiSiuzC1ozWIBHiuDqJcFQRDGDLLHsB2HCrNXvb2An-UC3cfEprWhtgUZcVxnBJT1v4Nn_ZdsNFFkpOR6i1G2hSJ9JnJNDyE14Sf0BvVSnHhpPr4NR1pYzhXupwnb3Y/s320/20161218_174000_Richtone%2528HDR%2529.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Letakkan jarum pentul, ditempat yang sudah dihias</td></tr>
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<span style="background-color: #f4cccc; color: magenta; font-size: x-large;">Silahkan dicoba, semoga bermanfaat 😉</span></div>
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<span style="color: #ea9999; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><i>Semoga apa yang saya tulis di blog saya, bisa menjadi inspirasi untuk para pembaca.</i></b></span></div>
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<span style="color: magenta; font-family: "georgia" , "times new roman" , serif; font-size: x-large;"><b style="background-color: #fff2cc;">:: Artikel Lainnya ::</b></span><br />
<span style="color: magenta; font-family: "georgia" , "times new roman" , serif; font-size: x-large;"><b style="background-color: #fff2cc;"><a href="http://hanaqyen12.blogspot.co.id/2017/01/5-cara-cerdik-agar-hasil-foto-selfie.html" target="_blank"><blink>Selfie Expert...Try it Now</blink></a></b></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMhdLlWJCtP7oTaolk3ATw6W76n-Kilyn-K-ZGB1X_8vzROUxdzgeI98f2fDYDCxzyw42ckc1TISpHLMavYasIzX-O_N0ZNAUYdmuoj54rMZe56oyX1CAOZIrHuUCFIehg-Sc9-_f0Bd8/s1600/bye_bye.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMhdLlWJCtP7oTaolk3ATw6W76n-Kilyn-K-ZGB1X_8vzROUxdzgeI98f2fDYDCxzyw42ckc1TISpHLMavYasIzX-O_N0ZNAUYdmuoj54rMZe56oyX1CAOZIrHuUCFIehg-Sc9-_f0Bd8/s1600/bye_bye.gif" /></a></div>
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com1tag:blogger.com,1999:blog-4242063908701094250.post-18655599007367607902017-01-02T14:20:00.002+07:002018-03-25T09:44:04.725+07:00Cara Menggabungkan Dua Dokumen Word di Ms. Office 2007<div style="background-color: white; box-sizing: border-box; color: #464646; font-size: 16px; line-height: 1.7; margin-bottom: 1.25rem; padding: 0px; text-rendering: optimizeLegibility;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfupKbmAEuWKg-TF_H2HoakGEgkleupFn6WxNHnXtpuvI-osjwL8mVdqmDMczEkqAhVQz-MIqlKFA_70taDwXpqmFEFv7BRrnkg1TtxXAZ3OLG6hTx6QWohc1ewgHk6mFoOSfYrk3GSTQ/s1600/tips-and-tricks9657812.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="206" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfupKbmAEuWKg-TF_H2HoakGEgkleupFn6WxNHnXtpuvI-osjwL8mVdqmDMczEkqAhVQz-MIqlKFA_70taDwXpqmFEFv7BRrnkg1TtxXAZ3OLG6hTx6QWohc1ewgHk6mFoOSfYrk3GSTQ/s320/tips-and-tricks9657812.jpg" width="320" /></a></div>
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<span style="font-family: "trebuchet ms" , sans-serif;">Di <a href="https://cdn-ds.kilatstorage.com/tag/microsoft-office/" style="background: transparent; box-sizing: border-box; color: #0078a0; cursor: pointer; line-height: inherit; outline: 0px; text-decoration: none;">Microsoft Office</a>, ada banyak fitur yang bisa dimanfaatkan oleh orang dengan latar belakang yang berbeda. Salah satu yang paling banyak menggunakan <em style="box-sizing: border-box; line-height: inherit;">software</em> ini adalah mahasiswa.</span></div>
<fb:quote class=" fb_iframe_widget" fb-iframe-plugin-query="app_id=41444726519&container_width=0&href=https%3A%2F%2Fdailysocial.id%2Fpost%2Fcara-menggabungkan-dua-dokumen-word-2007%2F&locale=en_GB&sdk=joey" fb-xfbml-state="rendered" style="box-sizing: border-box; display: inline-block; left: 55.5px; position: absolute; top: -47px;"><span style="box-sizing: border-box; display: inline-block; height: 47px; position: relative; text-align: justify; vertical-align: bottom; width: 169px;"><span style="font-family: "trebuchet ms" , sans-serif;"><iframe allowfullscreen="true" allowtransparency="true" class="" frameborder="0" height="1000px" name="f180751899d78f4" scrolling="no" src="https://www.facebook.com/v2.5/plugins/quote.php?app_id=41444726519&channel=https%3A%2F%2Fstaticxx.facebook.com%2Fconnect%2Fxd_arbiter%2Fr%2FiPrOY23SGAp.js%3Fversion%3D42%23cb%3Df39035e79626c8%26domain%3Ddailysocial.id%26origin%3Dhttps%253A%252F%252Fdailysocial.id%252Ff2d867205b5247c%26relation%3Dparent.parent&container_width=0&href=https%3A%2F%2Fdailysocial.id%2Fpost%2Fcara-menggabungkan-dua-dokumen-word-2007%2F&locale=en_GB&sdk=joey" style="border-style: none; border-width: initial; box-sizing: border-box; height: 47px; position: absolute; visibility: visible; width: 169px;" title="fb:quote Facebook Social Plugin" width="1000px"></iframe></span></span></fb:quote><br />
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<span style="font-family: "trebuchet ms" , sans-serif;">Pasalnya, Microsoft Office yang terdiri dari sekumpulan program meliputi <a href="https://cdn-ds.kilatstorage.com/tag/microsoft-word/" style="background: transparent; box-sizing: border-box; color: #6f9b00; line-height: inherit; text-decoration: none;">Word</a>, Excel, PowerPoint, Access dan lain-lain, dapat menunjang kebutuhan mereka. Seperti mengerjakan tugas mid-semester, membuat laporan dan tentunya menyusun skripsi.</span></div>
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<span style="font-family: "trebuchet ms" , sans-serif;">Tapi ada sebuah <em style="box-sizing: border-box; line-height: inherit;">tool</em> di Word yang tidak banyak diketahui oleh orang. Yakni <em style="box-sizing: border-box; line-height: inherit;">tool</em> menggabungkan dua dokumen Word atau lebih menjadi satu dokumen utuh. Bagi mahasiswa, fitur ini akan sangat berguna, dapat mempersingkat pekerjaan mereka ketimbang melakukan <em style="box-sizing: border-box; line-height: inherit;">copy</em> dan <em style="box-sizing: border-box; line-height: inherit;">paste</em> yang tak jarang menimbulkan masalah pada susunan dan letak. Nah di blog tips&tricks ini, akan dijelaskan cara penggunaannya.. 😎</span></div>
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<span style="background-color: yellow; color: red; font-family: "trebuchet ms" , sans-serif;">Bagaimana penggunannya? Tutorial singkat ini akan memandu Anda.</span></div>
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<li style="box-sizing: border-box; font-size: 1em; line-height: 1.7; margin: 0px; padding: 0px 0px 0px 1em; text-align: justify;"><span style="font-family: "trebuchet ms" , sans-serif;">Ini adalah dua dokumen berbeda yang saya jadikan percobaan. Yang di atas adalah dokumen 1 atau Bab 1, dan dokumen 2 atau bab 2 saya letakkan di bawah. Keduanya akan saya gabungkan ke dalam satu dokumen, jadi bab 2 akan saya gabungkan ke halaman berikutnya di bab 1. (penamaan di tutorial ini hanya contoh, sesuaikan dengan dokumen asli Anda).</span></li>
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<a href="https://cdn-ds.kilatstorage.com/wp-content/uploads/2015/08/Cara-menggabungkan-dua-dokumen-word_1.png" style="background: transparent; box-sizing: border-box; color: #6f9b00; line-height: inherit; text-decoration: none;"><span style="font-family: "trebuchet ms" , sans-serif;"><img alt="Cara menggabungkan dua dokumen word 2007" class="aligncenter wp-image-73770" height="579" src="https://cdn-ds.kilatstorage.com/wp-content/uploads/2015/08/Cara-menggabungkan-dua-dokumen-word_1.png" style="border: 1px solid rgb(0, 0, 0); box-sizing: border-box; display: block; height: auto; margin-left: auto; margin-right: auto; max-width: 100%; vertical-align: middle;" width="580" /></span></a></div>
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<li style="box-sizing: border-box; font-size: 1em; line-height: 1.7; margin: 0px; padding: 0px 0px 0px 1em;"><span style="font-family: "trebuchet ms" , sans-serif;">Sekarang klik menu <em style="box-sizing: border-box; line-height: inherit;"><strong style="box-sizing: border-box; line-height: inherit;">Insert,</strong></em> dan klik jarum di sebelah menu <strong style="box-sizing: border-box; line-height: inherit;"><em style="box-sizing: border-box; line-height: inherit;">Object</em></strong> dan saat muncul menu <em style="box-sizing: border-box; line-height: inherit;">dropdown</em> klik <em style="box-sizing: border-box; line-height: inherit;"><strong style="box-sizing: border-box; line-height: inherit;">Text from File</strong></em>.</span></li>
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<span style="background: transparent; box-sizing: border-box; color: #6f9b00; font-family: "trebuchet ms" , sans-serif; line-height: inherit; text-decoration: none;"><a href="https://cdn-ds.kilatstorage.com/wp-content/uploads/2015/08/Cara-menggabungkan-dua-dokumen-word_22.png" style="background: transparent; box-sizing: border-box; color: #6f9b00; line-height: inherit; text-decoration: none;"><img alt="Cara menggabungkan dua dokumen word_22" class="aligncenter size-full wp-image-73774" height="171" src="https://cdn-ds.kilatstorage.com/wp-content/uploads/2015/08/Cara-menggabungkan-dua-dokumen-word_22.png" style="border: none; box-sizing: border-box; display: block; height: auto; margin-left: auto; margin-right: auto; max-width: 100%; vertical-align: middle;" width="546" /></a></span></div>
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<i style="font-size: xx-large; text-align: center;"><marquee align="center" direction="left" height="200" scrollamount="2" width="30%"> Read. .Like. . and Share. .Thank you for watching </marquee></i></div>
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<ul style="background-color: white; box-sizing: border-box; color: #464646; font-size: 16px; line-height: 1.6; list-style-position: outside; margin: 0px 0px 1.25rem 1.1rem; padding: 0px;">
<li style="box-sizing: border-box; font-size: 1em; line-height: 1.7; margin: 0px; padding: 0px 0px 0px 1em;"><span style="font-family: "trebuchet ms" , sans-serif;">Berikutnya di jendela <em style="box-sizing: border-box; line-height: inherit;">explorer</em> pilih dokumen Bab 2 yang akan digabungkan ke Bab 1.</span></li>
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<a href="https://cdn-ds.kilatstorage.com/wp-content/uploads/2015/08/Cara-menggabungkan-dua-dokumen-word_3.png" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; box-sizing: border-box; color: #6f9b00; font-size: 16px; line-height: inherit; text-decoration: none;"><span style="font-family: "trebuchet ms" , sans-serif;"><img alt="Cara menggabungkan dua dokumen word 2007" class="aligncenter wp-image-73768" height="463" src="https://cdn-ds.kilatstorage.com/wp-content/uploads/2015/08/Cara-menggabungkan-dua-dokumen-word_3.png" style="border: none; box-sizing: border-box; display: block; height: auto; margin-left: auto; margin-right: auto; max-width: 100%; vertical-align: middle;" width="579" /></span></a></div>
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<span style="background-color: yellow; color: blue; font-family: "verdana" , sans-serif; font-size: x-large;"><i style="background-color: #fce5cd; font-family: georgia, "times new roman", serif;">Artikel lainnya <a href="http://hanaqyen12.blogspot.co.id/2016/12/bab-ii-skripsi-peranan-audit-internal.html" target="_blank">BAB II Skripsi : Peranan Audit Internal . . .</a></i></span></div>
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<ul style="background-color: white; box-sizing: border-box; color: #464646; font-size: 16px; line-height: 1.6; list-style-position: outside; margin: 0px 0px 1.25rem 1.1rem; padding: 0px;">
<li style="box-sizing: border-box; font-size: 1em; line-height: 1.7; margin: 0px; padding: 0px 0px 0px 1em; text-align: justify;"><span style="font-family: "trebuchet ms" , sans-serif;">Klik tombol Insert dan ini dia jadinya. Seluruh isi di Bab 2 sudah berhasil dimasukkan ke Bab 1 tanpa menggunakan fitur <em style="box-sizing: border-box; line-height: inherit;">copy</em> dan <em style="box-sizing: border-box; line-height: inherit;">paste. </em>Mengenai format, sejauh yang saya temukan, untuk format tabel, gambar, <em style="box-sizing: border-box; line-height: inherit;">bullet,</em> huruf tebal, miring dan garis bawah tidak mengalami perubahan dari format aslinya. Dan tidak hanya satu, Anda juga bisa menggabung banyak dokumen namun dengan urutan yang harus Anda atur. Pasalnya, dokumen teratas akan diletakkan di posisi atas sesuai urutannya di dalam <em style="box-sizing: border-box; line-height: inherit;">folder.</em></span></li>
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<a href="https://cdn-ds.kilatstorage.com/wp-content/uploads/2015/08/Cara-menggabungkan-dua-dokumen-word_4.png" style="background: transparent; box-sizing: border-box; color: #6f9b00; line-height: inherit; text-decoration: none;"><span style="font-family: "trebuchet ms" , sans-serif;"><img alt="Cara menggabungkan dua dokumen word 2007" class="aligncenter wp-image-73767" height="307" src="https://cdn-ds.kilatstorage.com/wp-content/uploads/2015/08/Cara-menggabungkan-dua-dokumen-word_4.png" style="border: 1px solid rgb(0, 0, 0); box-sizing: border-box; display: block; height: auto; margin-left: auto; margin-right: auto; max-width: 100%; vertical-align: middle;" width="578" /></span></a></div>
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<span style="color: blue; font-family: "trebuchet ms" , sans-serif; font-size: large;">Selamat mencoba dan semoga tugas akhirnya segera terselesaikan dengan hasil yang maksimal. 👊😎 🎓</span></div>
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<em style="box-sizing: border-box; line-height: inherit;"><span style="font-family: "trebuchet ms" , sans-serif;">Sumber gambar header <a href="http://www.shutterstock.com/pic-193503416/stock-photo-businessmen-holding-two-puzzles-to-connect-on-wooden-floor.html?src=zDWk3HadqWkqQKhyE1tRiw-1-4" style="background: transparent; box-sizing: border-box; color: #6f9b00; line-height: inherit; text-decoration: none;">Shutterstock</a>.</span></em></div>
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com1tag:blogger.com,1999:blog-4242063908701094250.post-92127400459613548292017-01-02T12:52:00.003+07:002017-01-03T10:05:08.477+07:005 Cara Cerdik Agar Hasil Foto Selfie Fotogenik & Cantik<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWo0dU2wpF60YdBqx6wFRwWWIeIfKYZiAsB6T0hyXebWSxLKL0f0hGfhPWbfY4pxsm7t3Er-WHjnTmpl96jYLO0K-Bq4SDwiRPG7apbi3fFg7pJAjgnxUrR3ifkqFC2ewWkEGMd8ypd6w/s1600/tips-and-tricks9657812.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="206" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWo0dU2wpF60YdBqx6wFRwWWIeIfKYZiAsB6T0hyXebWSxLKL0f0hGfhPWbfY4pxsm7t3Er-WHjnTmpl96jYLO0K-Bq4SDwiRPG7apbi3fFg7pJAjgnxUrR3ifkqFC2ewWkEGMd8ypd6w/s320/tips-and-tricks9657812.jpg" width="320" /></a></div>
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Selfie, mungkin jadi salah satu hobi setiap wanita masa kini. Siapa sih yang tidak tergoda untuk selfie jika kamu sedang merasa sangat cantik dan wajah sedang full make up? Lagipula, tak ada yang melarang untuk melakukan selfie sebanyak-banyaknya di smartphone-mu sendiri kan?</div>
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Tapi nyatanya, tidak semua wanita tahu bagaimana mendapatkan hasil foto yang bagus, cantik dan fotogenik. Jika kamu ingin tampil fotogenik dan tak harus melakukan selfie berkali-kali, ini yang bisa kamu lakukan.</div>
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<b>1. Tarik lehermu ke dalam</b></div>
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Mungkin tampak aneh? Agar tidak tampak punya dua dagu karena lipatan lemak di bawah dagu, coba tarik lehermu agak ke depan agar lebih panjang, kemudian tarik bagian bawah dagumu ke dalam untuk ilusi dagu lebih tirus.</div>
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<img alt="Tarik lehermu/ copyright by OneSlidePhotography.com" class="lazy_loaded commonImage imageY0" data-angka="0" data-image="http://cdn.klimg.com/vemale.com/p/fotogenik_1.jpg" src="http://cdn.klimg.com/vemale.com/p/fotogenik_1.jpg" data-src="http://cdn.klimg.com/vemale.com/p/fotogenik_1.jpg" data-synopsis="Ada banyak cara agar hasil selfie kamu terlihat fotogenik. Ini caranya." data-tipe-page="other" data-title="5+Cara+Cerdik+Agar+Hasil+Foto+Selfie+Fotogenik+%26+Cantik" data-uri="http://www.vemale.com/fashion/tips-and-tricks/100038-5-cara-cerdik-agar-hasil-foto-selfie-fotogenik-cantik.html" style="border: 0px; margin-left: auto; margin-right: auto; opacity: 1; transition: opacity 0.3s ease-in;" /><span class="caption" style="color: #888888; display: block; font-size: 12px;">Tarik lehermu/ copyright by OneSlidePhotography.com</span><br />
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<b>2. Make up yang pas</b></div>
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Jangan memakai make up dengan warna yang lebih terang dari wajahmu. Pakai foundation sewarna kulit atau setingkat lebih gelap. Jangan lupakan bagian leher. Ratakan make up di leher untuk mendapat warna kulit yang rata.</div>
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<b>3. Cari angle yang tepat</b></div>
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Foto dengan tubuh bagian depan tak begitu menarik, ada baiknya jika posisimu agak miring dengan kedua kaki agak rapat agar terlihat lebih tirus di bagian wajah dan kurus untuk tubuh.</div>
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<img alt="Angle miring agar langsing/ copyright by OneSlidePhotography.com" class="lazy_loaded commonImage imageY1" data-angka="1" data-image="http://cdn.klimg.com/vemale.com/p/fotogenik_2.jpg" src="http://cdn.klimg.com/vemale.com/p/fotogenik_2.jpg" data-src="http://cdn.klimg.com/vemale.com/p/fotogenik_2.jpg" data-synopsis="Ada banyak cara agar hasil selfie kamu terlihat fotogenik. Ini caranya." data-tipe-page="other" data-title="5+Cara+Cerdik+Agar+Hasil+Foto+Selfie+Fotogenik+%26+Cantik" data-uri="http://www.vemale.com/fashion/tips-and-tricks/100038-5-cara-cerdik-agar-hasil-foto-selfie-fotogenik-cantik.html" style="border: 0px; margin-left: auto; margin-right: auto; opacity: 1; transition: opacity 0.3s ease-in;" /><span class="caption" style="color: #888888; display: block; font-size: 12px;">Angle miring agar langsing/ copyright by OneSlidePhotography.com</span><br />
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<b>4. Jangan berdiri terlalu dekat dengan kamera</b></div>
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Jika ingin siluet tubuh terlihat lebih kurus, jangan berfoto dekat dengan kamera. Akan lebih baik foto diambil dari jauh. Untuk menyamarkan tubuh, pilih backgound yang indah dan unik agar bisa mengalihkan perhatian.</div>
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<b>5. Foto dari angle atas</b></div>
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Untuk selfie yang cantik, jangan letakkan smartphone tepat di depan wajahmu. Arahkan agak ke atas sehingga bisa memberi kesan lebih tirus, mata lebih lebar dan hidung lebih mancung.</div>
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Itu dia beberapa tip selfie agar kamu terlihat fotogenik kapan pun. </div>
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Mungkin beberapa sudah pernah kamu coba dan jadi favoritmu untuk mendapat foto terbaik?</div>
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<span style="background-color: #fff2cc;"><span style="color: red;">Sumber : vemale.com</span></span></div>
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-78862429823121570832017-01-02T09:49:00.001+07:002017-01-02T13:07:16.151+07:00Cerpen Awal Tahun<span style="background-color: #ead1dc; color: blue; font-size: x-large;"><span style="font-family: "trebuchet ms" , sans-serif;">Yeiy... Selamat Tahun Baru 2017 untuk semuanya</span><span style="font-family: "trebuchet ms" , sans-serif;"> </span><span style="font-family: "trebuchet ms" , sans-serif;">😎😎</span><span style="font-family: "trebuchet ms" , sans-serif;">🎉🎉🎉🎉🎆🎆🎇🎇🎆🎆🎇🎇</span></span><br />
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<span style="color: #e06666; font-family: "trebuchet ms" , sans-serif;">Di tahun ini, tepat di tanggal 1 Januari 2017, hubungan yang selama ini masuk ke fase kritis (kalau orang bilang fase kebosanan), penuh drama... </span><span style="color: blue; font-family: "trebuchet ms" , sans-serif;">👀 👀 </span><span style="color: #e06666; font-family: "trebuchet ms" , sans-serif;"> Kenapa?</span><br />
<span style="color: #e06666; font-family: "trebuchet ms" , sans-serif;">Sebenarnya hubungan percintaan ku dengan mamas aji belakangan kurang baik, karena suatu hal yang tidak bisa di publish di curhatan kali ini..</span><span style="color: blue; font-family: "trebuchet ms" , sans-serif;"> ✌😐</span><br />
<span style="color: #e06666; font-family: "trebuchet ms" , sans-serif;">Tapi untungnya semua doa dan harapan yang disebutkan dari tanggal 31 Desember 2016 sampai sore hari tepat di tanggal 1 Januari 2017.. doa itu selalu saya dan mas aji panjatkan bersama (udah mirip kayak doa orang lagi wirid sesuatu </span><span style="color: blue; font-family: "trebuchet ms" , sans-serif;">😆😆😆😆</span><span style="color: #e06666; font-family: "trebuchet ms" , sans-serif;">)</span><br />
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<span style="color: #e06666; font-family: "trebuchet ms" , sans-serif;">Dengan segala ke iklasan dan sampai2 harus bernazar juga, untuk memuluskan rencana. Tepat jam 18.00 hari Minggu 1 Januari 2017, mas aji datang kerumah, untuk menyelesaikan permasalahan yang sebelumnya tertunda. (perasaannya campur aduk, hampir-hampir nafas di ujung mulut). Mungkin jika dilihat dari luar, hubungan kami terlihat sangat baik dan harmonis, sampai2 orang bilang udah kayak perangko kemana-mana bedua yang sebenarnya ada beberapa masalah yang harus kami tempuh.</span><br />
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<span style="color: #e06666; font-family: "trebuchet ms" , sans-serif;">Dan beruntungnya berkat rahmat Allah, kemarin jam 18.00 hari Minggu 1 Januari 2017, diselesaikan dengan baik dan kembali normal bahkan jauh lebih baik dari kondisi sebelumnya. Makasih ya Allah, karena tanpa campur tangan -Mu pun tidak akan bisa semua ini terlaksana. Semoga kedepannya akan jauh lebih manis lagi..</span><span style="color: #e06666; font-family: "trebuchet ms" , sans-serif;"><br /></span><br />
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<span style="background-color: #fff2cc; color: red; font-family: "trebuchet ms" , sans-serif;">Anyway..ini foto tahun 2016 tepat di tanggal 31 Desember di Kampung Betawi - Setu Babakan (begaya sekalian liat objek untuk prewed.. hehe)</span><br />
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<span style="color: #e06666; font-family: "trebuchet ms" , sans-serif;">Btw, ini tulisan pertama ku di tahun 2017, akan lebih sering lagi untuk post2 diary.. </span><span style="color: #e06666; font-family: "trebuchet ms" , sans-serif;">Semoga bisa menginspirasi..</span><span style="color: blue; font-family: "trebuchet ms" , sans-serif;"> 😆</span><br />
<span style="background-color: #d9ead3; color: red; font-size: x-large;"><span style="color: #e06666; font-family: "trebuchet ms" , sans-serif;">HAPPY NEW YEAR 2017 EVERYONE... </span></span><br />
<span style="background-color: #d9ead3; color: red; font-size: x-large;"><span style="color: blue; font-family: "trebuchet ms" , sans-serif;">🎇🎇🎇🎇🎇🎇🎆🎉🎉🎈🎈🎆🎆🎇🎇🎈🎈🎉</span></span>hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com2tag:blogger.com,1999:blog-4242063908701094250.post-58200199038755996102016-12-18T16:22:00.002+07:002018-03-27T16:52:24.413+07:00BAB II (Skripsi : Peranan Audit Internal dan Manajemen Risiko terhadap Efektivitas Pengelolaan Kredit pada PT. Home Credit Indonesia)<div class="WordSection1">
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<b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 107%;">Created By : Hana Lidyana (1234.0310.75)</span></b><br />
<b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 107%;">Fakultas Ekonomi - Jurusan Akuntansi</span></b><br />
<b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 107%;">Universitas Krisnadwipayana</span></b><br />
<b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 107%;">Jakarta</span></b><br />
<b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 107%;">2017</span></b><br />
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<b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 107%;">BAB II<o:p></o:p></span></b></div>
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<b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 200%;">LANDASAN TEORI<o:p></o:p></span></b></div>
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<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">AUDITING</span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
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<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.1.1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengertian Auditing</span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
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<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Auditing merupakan salah satu atestasi. Atestasi, pengertian
umu</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">m</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">nya merupakan suatu komunikasi dari seorang <i>expert </i>mengenai kesimpulan tentang
realibilitas dari pernyataan seseorang. <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%;">Menurut Sukrisno Agoes (2012:4), mendefinisikan auditing
adalah :<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%;">“Suatu
pemeriksaan yang dilakukan secara kritis dan sistematis, oleh pihak yang
independen, terhadap laporan keuangan yang telah disusun oleh manajemen,
beserta catatan-catatan pembukuan dan bukti-bukti pendukungnya, dengan tujuan
untuk dapat memberikan pendapat mengenai kewajaran laporan keuangan tersebut.”<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%;">Sedangkan
menurut </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Messier,
Clover dan Prawitt (2014:12)</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">,
adalah :<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%;">“Auditing adalah proses yang sistematik
untuk memperoleh dan mengevaluasi bukti secara objektif mengenai asersi-asersi
tentang kegiatan dan peristiwa ekonomi untuk menetukan tingkat kesesuaian
antara asersi-asersi tersebut dengan kriteria yang ditetapkan dan
mengkomunikasikan hasil-hasilnya kepada pihak-pihak yang berkepentingan.”<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dilihat pendapat dari Konrath dalam Sukrisno Agoes (2012:2),
mendefinisikan auditing sebagai s</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">uatu proses sistematis
untuk secara objektif mendapatkan untuk mengevaluasi bukti mengenai asersi
tentang kegiatan-kegatan dan kejadian-kejadian ekonomi untuk meyakinkan tingkat
ditetapkan dan mengkomunikasikan hasilnya kepada pihak-pihak yang
berkepentingan.</span><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
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<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.1.2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jenis-jenis Audit<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dalam Sukrisno Agoes (2012:10), ditinjau dari luasnya
pemeriksaan, audit bisa dibedakan atas :<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: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pemeriksaan Umum (<i>General Audit</i>)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Suatu pemeriksaan
umum atas laporan keuangan yang dilakukan oleh KAP</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> (Kantor Akuntan Publik)</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> independen dengan tujuan untuk bisa memberikan pendapat
mengenai kewajaran laporan keuangan secara keseluruhan. Pemeriksaan tersebut
harus sesuai dengan Standar Professional Akuntan Publik dan memperlihatkan kode
etik akuntan Indonesia, aturan etika KAP yang telah disahkan Ikatan Akutan
Indonesia serta Standar Pengendalian Mutu.<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: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pemeriksaan Khusus (<i>Special Audit</i>)<o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Suatu pemeriksaan terbatas (sesuai dengan permintaan <i>audience</i>) yang dilakukan oleh KAP yang
independen, dan pada akhir pemeriksaannya auditor tidak perlu memberikan
pendapat terhadap kewajaran laporan keuangan secara keseluruhan. Pendapat yang
diberikan terbatas pada pos atau masalah tertentu yang diperiksa, karena
prosedur audit yang dilakukan juga terbatas, misalnya KAP diminta untuk
memeriksa apakah terdapat kecurangan pada penagihan piutang usaha perusahaan. <o:p></o:p></span></div>
<div class="MsoNormalCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dalam
Sukrisno Agoes (2012:11-13), ditinjau dari jenis pemeriksaan, audit bisa
dibedakan atas :<o:p></o:p></span></div>
<div class="MsoNormalCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l111 level1 lfo9; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Manajemen Audit (<i>Operational Audit</i>)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Suatu pemeriksaan
terhadap kegiatan operasi suatu perusahaan, termasuk kebij</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">kan
akuntansi dan kebij</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">kan operasional yang telah ditentukan oleh manajemen, untuk
mengetahui apakah kegiatan operasi tersebut sudah dilakukan secara efektiv,
efisien dan ekonomis. <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: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pemeriksaan Ketaatan (<i>Compliance Audit</i>)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pemeriksaan yang
dilakukan untuk mengetahui apakah perusahaan sudah mentaati peraturan-peraturan
dan kebijakan-kebijakan yang berlaku, baik yang ditetapkan oleh pihak intern
perusahaan (manajemen, dewan komisaris) maupun pihak eksternal (Pemerintah,
Bapepam, Bank Indonesia, Direktorat Jendral Pajak, dan lain-lain). Pemeriksaan
bisa dilakukan oleh KAP maupun bagian <i>internal
audit</i>.<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: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pemeriksaan Intern (<i>Internal Audit</i>)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pemeriksaan yang
dilakukan oleh bagian internal audit perusahaan, baik terhadap laporan keuangan
dan catatan akuntansi perusahaan, maupun ketaatan terhadap kebijakan manajemen
yang telah ditentukan. Pemeriksaan umum yang dilakukan internal auditor
biasanya lebih rinci dibandingkan dengan pemeriksaan umum yang dilakukan oleh
KAP. Internal auditor biasanya tidak memberikan opini terhadap kewajaran
laporan keuangan, karena pihak-pihak diluar perusahaan, tidak independen.
Laporan internal auditor berisi temuan pemeriksaan (<i>audit finding</i>) mengenai penyimpangan dan kecurangan yang ditemukan,
kelemahan pengendalian inter</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">n</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">, beserta
saran-saran perbaikannya (<i>recommendation</i>)<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: 200%;">4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Computer Audit<o:p></o:p></span></i></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pemeriksaan oleh
KAP terhadap perusahaan yang memproses data akuntansinya dengan menggunakan <i>Electronic Data Processing </i>(EDP) sistem.<b><o:p></o:p></b></span></div>
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<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.1.3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Standar Auditing<o:p></o:p></span></b></div>
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<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pada tanggal 1 Januari 2013, Indonesia secara resmi
mengadopsi International Standards on Auditing (ISA) yang diterbitkan oleh
International Auditing and Assurance Standards Board (IAASB) sebagai standar
audit yang baru. Walaupun isinya mengandung banyak persamaan, sistematika dan
struktur SPAP yang sekarang berlaku sangat berbeda bila dibandingkan dengan
SPAP yang berlaku sebelumnya.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Menurut IAASB dalam Hery (2016:29), isi dari standar audit
yang telah diberlakukan IAASB dan diadopsi oleh IAPI, adalah :<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: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Prinsip Umum dan Tanggung Jawab:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l23 level1 lfo74; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 200: Tujuan Keseluruhan Auditor Independen dan
Pelaksanaan Suatu Audit Berdasarkan Standar Audit<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l23 level1 lfo74; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 210: Persetujuan atas Syarat-syarat Perikatan
Audit<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: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 220: Pengendalian Mutu untuk Audit atas Laporan
Keuangan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l23 level1 lfo74; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">d.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 230: Dokumentasi Audit<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l23 level1 lfo74; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">e.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 240: Tanggung Jawab Auditor terkait dengan
Kecurangan dalam suatu Audit atas Laporan Keuangan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l23 level1 lfo74; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">f.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 250: Pertimbangan atas peraturan
perundang-undangan dalam audit atas Laporan Keuangan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l23 level1 lfo74; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">g.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 260: Komunikasi dengan Pihak yang Bertanggung
jawab atas Tata Kelola<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l23 level1 lfo74; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">h.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 265: Pengkomunikasian Defisiensi dalam
Pengendalian Internal kepada pihak yang bertanggung jawab atas tata kelola dan
manajemen.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l105 level1 lfo73; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penilaian Risiko dan Respons terhadap Risiko yang
telah Dinilai:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo75; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 300: Perencanaan Audit atas Laporan Keuangan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo75; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 315: Pengidentifikasian dan Penilaian Risiko
salah saji material melalui pemahaman atas entitas dan lingkungannya<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo75; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 320: Materialitas dalam Tahap Perencanaan dan
Pelaksanaan Audit<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo75; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">d.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 330: Respons Auditor terhadap Risiko yang dinilai<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo75; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">e.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 402: Pertimbangan audit terkait dengan entitas
yang menggunakan organisasi jasa <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo75; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">f.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 450: Pengevaluasian atas kesalahan penyajian yang
diidentifikasi selama audit<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l105 level1 lfo73; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Bukti Audit:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l83 level1 lfo76; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 500: Bukti Audit<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l83 level1 lfo76; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 501: Bukti audit-Pertimbangan Spesifik atas unsur
pilihan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l83 level1 lfo76; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 505: Konfirmasi Ekseternal<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l83 level1 lfo76; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">d.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 510: Perikatan Audit Tahun Pertama – Saldo Awal<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l83 level1 lfo76; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">e.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 520: Prosedur Analitis<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l83 level1 lfo76; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">f.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 530: Sampling Audit<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l83 level1 lfo76; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">g.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 540: Audit atas estimasi akuntansi, termasuk
estimasi akuntansi nilai wajar, dan pengungkapan yang bersangkutan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l83 level1 lfo76; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">h.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 550: Pihak Berelasi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l83 level1 lfo76; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">i.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 560:
Peristiwa Kemudian<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l83 level1 lfo76; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">j.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 570:
Kelangsungan Usaha<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l83 level1 lfo76; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">k.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 580: Representasi Tertulis<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l105 level1 lfo73; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penggunaan Hasil Pekerjaan Pihak Lain:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l92 level1 lfo77; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 600: Pertimbangan khusus – audit atas laporan
keuangan grup (termasuk pekerjan auditor komponen)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l92 level1 lfo77; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 610: Penggunaan Pekerjaan Auditor Internal<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l92 level1 lfo77; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 620: Penggunaan Pekerjaan Seorang Pakar Auditor<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l105 level1 lfo73; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">5.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kesimpulan Audit dan Pelaporan:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l28 level1 lfo78; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 700: Perumusan Opini dan Pelaporan atas Laporan
Keuangan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l28 level1 lfo78; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 705: Modifikasi terhadap Opini dalam Laporan
Keuangan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l28 level1 lfo78; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 706: Paragraf Penekanan suatu hal dan paragraf
hal lain dalam laporan auditor Independen<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l28 level1 lfo78; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">d.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 720: Tanggung jawab Auditor atas Informasi Lain
dalam Dokumen yang berisi Laporan Keuangan Auditan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l105 level1 lfo73; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">6.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Area Khusus:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l95 level1 lfo79; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 800: Pertimbangan Khusus – Audit atas laporan
keuangan yang disusun sesuai dengan kerangka bertujuan khusus<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l95 level1 lfo79; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 805: Pertimbangan Khusus – Audit atas laporan
keuangan tunggal dan unsur, akun, atau pos spesifik dalam suatu laporan
keuangan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l95 level1 lfo79; tab-stops: 398.6pt; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SA 810: Perikatan untuk melaporkan ikhtisar laporan
keuangan<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: 12.0pt; line-height: 200%;">2.2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">AUDIT INTERNAL</span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
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<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.2.1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengertian Audit Internal</span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
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<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jika merujuk pada
penjelasan sebelumnya mengenai pengertian audit, kali ini dijelaskan oleh Hery
(2016:4) mengenai pengertian audit internal yaitu auditor yang bekerja pada
satu manajemen perusahaan sehingga berstatus sebagai karyawan dari perusahaan tersebut,
dimana perannya adalah memberika pengawan serta penilaian secara ters menerus. <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%;">Pendapat lain datang
dari Sukrisno Agoes </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">(</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2012:204</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">) </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">menjelaskan :<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%;">“<i>Internal
audit </i>(pemeriksaan intern) adalah pemeriksaan yang dilakukan oleh bagian <i>internal audit </i>perusahaan, terhadap
laporan keuangan dan catatan akuntansi perusahaan maupun ketaatan terhadap
kebijakan manajemen puncak yang telah ditentukan dan ketaatan terhadap
peraturan pemerintah dan ketentuan-ketentuan dari ikatan profesi yang berlaku.
Peraturan pemerintah misalnya peraturan di bidang perpajakan, pasar modal,
lingkungan hidup, perbankan, perindustrian, investasi, dan lain- lain.”<o:p></o:p></span></div>
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Definisi Audit Internal menurut <span lang="EN-US">Sawyer
(2012:10), menyebutkan :<o:p></o:p></span></div>
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<i><span lang="EN-US">“Internal auditing is a
systematic, objective appraisal by internal auditor of the diverse operating
and controls within organization to determine whether (1) financial and
operating information is accurate and reliable; (2) external regulation and
acceptable internal polices and procedures are followed; (3) resources are used
efficienly and economically.” <o:p></o:p></span></i></div>
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<span lang="EN-US">(Internal audit adalah penilaian yang sistematis dan objektif yang
dilakukan auditor internal terhadap operasi dan kontrol yang berbeda-beda dalam
organisasi untuk menentukan apakah (1) informasi keuangan dan operasi telah
akurat dan dapat diandalkan; (2) peraturan eksternal serta kebijakan dan
prosedur internal yang bisa diterima telah diikuti; (3) sumber daya telah
digunakan secara efisien dan ekonomis.)<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%;">Audit
internal dilakukan oleh seseorang yang berasal dari dalam organisasi yang
bersangkutan yang disebut dengan auditor internal. Keberadaan profesi auditor
internal didalam suatu organisasi membantu perusahaan mencapai tujuannya dengan
pendekatan yang sistematis dan ketat agar dapat melakukan evaluasi dan peningkatkan
efektivitas terhadap manajemen risiko, pengendalian dan proses tata kelola.</span><b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
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<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.2.2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Ruang Lingkup Audit Internal</span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
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<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Ruang lingkup audit internal menilai
keefektifan sistem pengendalian internal serta pengevaluasian terhadap
kelengkapan dan keefektifan sistem pengendalian internal yang dimiliki
organisasi, serta kualitas pelaksanaan tanggung jawab yang diberikan. <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%;">Menurut Hery (2016:281), Tujuan
daripada audit internal adalah</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> :</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Mereview keandalan (<i>realibilitas dan intergritas</i>) informasi <i>financial</i> dan operasional serta cara
yang digunakan untuk mengidentifikasi, mengukur, mengklasifikasi dan melaporkan
hal tersebut.<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: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Mereview berbagai sistem yang telah
ditetapkan untuk memastikan kesesuaiannya dengan berbagai kebijaksanaan,
rencana, prosedur hukum, dan peraturan yang dapat berakibat penting terhadap
kegiatan organisasi serta harus menentukan apakah organisasi telah mencapai
kesesuaian dengan hal-hal tersebut.<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: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Mereview berbagai cara yang
dipergunakan untuk melindungi harta.<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: 200%;">4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Menilai keekonomisan dan keefisienan
penggunaan berbagai sumber daya.<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: 200%;">5.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Mereview berbagai operasi atau
program untuk menilai apakah hasilnya akan konsisten dengan tujuan dan sasaran
yang telah ditetapkan apakah kegiatan atau program tersebut dilaksanakan sesuai
dengan yang direncanakan.<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%;">Untuk
melaksanakan tugasnya audit internal mempunyai batasan ruang lingkup pekerjaan
yang akan dilaksanakan, yaitu :<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: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kepatuhan
(<i>compliance</i>)<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%;">Merupakan
salah satu unsur audit internal yang bertujuan untuk menentukan dan mengawasi
apakah pelaksanaan aktivitas-aktivitas dalam perusahaan telah dilaksanakan
sesuai dengan kebijakan dan prosedur yang telah ditetapkan perusahaan.<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: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Verifikasi
(<i>verification</i>)<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%;">Verifikasi
merupakan aktivitas pemeriksaan terhadap dokumen, catatan dan laporan, apakah
hal-hal tersebut telah mencerminkan keadaan yang sebenarnya. Umumnya verifikasi
dilakukan atas:<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: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Catatan dan laporan akuntansi, dan<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: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Aktiva, hutang serta modal dan hasil
operasi perusahaan.<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: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Evaluasi
(<i>evaluation</i>)<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%;">Kegiatan
ini merupakan tanggung jawab internal auditor yang paling penting dan paling
sulit diukur hasilnya. Evaluasi mencakup dua fungsi, yaitu penilaian terhadap
pelaksanaan dari berbagai tingkat manajemen dan penilaian terhadap pengendalian
internal yang berjalan dalam perusahaannya.</span><b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
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<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.2.3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Standar
Atribut Audit Internal</span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
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<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Berikut
ini adalah standar atribut yang harus dimiliki oleh seorang Audit Internal
menurut Hery (2016:266), sebagai berikut :<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: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Tujuan,
Kewenangan, dan Tanggungjawab<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%;">Tujuan, kewenangan, dan
tanggungjawab fungsi audit internal harus dinyatakan secara formal dan <i>Charter </i>Audit Internal, konsisten dengan
Standar Profesi Audit Internal (SPAI), dan mendapat persetujuan dari Pimpinan
dan Dewan Pengawas Organisasi.<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: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Independensi
dan Objektivitas<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%;">Fungsi dari audit internal harus
independen, dan auditor internal harus obyektif dalam melaksanakan
pekerjaannya.<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: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Independensi
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%;">Fungsi audit internal harus
ditempatkan pada posisi yang memungkinkan fungsi tersebut memenuhi
tanggungjawabnya.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Independensi akan
meningkat jika fungsi audit internal memiliki akses komunikasi yang memadai
terhadap Pimpinan dan Dewan Pengawas Organisasi.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l93 level1 lfo17; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Objektivitas
Auditor Internal<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%;">Auditor Internal harus memiliki sikap mental yang obyektif,
tidak memihak dan menghindari kemungkinan timbulnya pertentangan kepentingan (<i>conflict
of interest</i>).<o:p></o:p></span></div>
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<br /></div>
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<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kendala
terhadap Prinsip Independent dan Objetivitas<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%;">Jika prinsip independensi dan obyektifitas tidak dapat
dicapai baik secara fakta maupun dalam kesan, hal ini harus diungkapkan kepada
pihak yang berwenang. Teknis dan rincian pengungkapan ini tergantung kepada
alasan tidak terpenuhinya prinsip independensi dan objektivitas tersebut.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l61 level1 lfo16; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Keahlian
dan Kecermatan Profesional</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penugasan harus dilaksanakan dengan memperhatikan keahlian
dan kecermatan profesional.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Keahlian</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; tab-stops: 72.0pt; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Auditor Internal harus memiliki pengetahuan,
keterampilan, dan kompetensi yang dibutuhkan untuk melaksanakan tanggung jawab
perorangan. Fungsi Audit Internal secara kolektif harus memiliki atau
memperoleh pengetahuan, keterampilan, dan kompetensi yang dibutuhkan untuk
melaksanakan tanggung jawabnya.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo20; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kecermatan
Profesional</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; tab-stops: 72.0pt; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Auditor Internal harus menerapkan kecermatan dan keterampilan
yang layaknya dilakukan oleh seorang auditor internal yang <i>pruden</i> dan
kompeten.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo20; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengembangan
Profesional yang Berkelanjutan (PPL)</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; tab-stops: 72.0pt; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Auditor Internal harus meningkatkan
pengetahuan, keterampilan, dan kompetensinya melalui Pengembangan Profesional
yang Berkelanjutan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l61 level1 lfo16; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Program
Jaminan dan Peningkatan Kualitas Fungsi Audit Internal</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penanggungjawab Fungsi Audit Internal harus mengembangkan dan
memelihara program jaminan dan peningkatan kualitas yang mencakup seluruh aspek
dari fungsi audit internal dan secara terus menerus memonitor efektivitasnya. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l138 level1 lfo21; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penilaian
terhadap Program Jaminan dan Peningkatan Kualitas</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Fungsi audit internal harus menyelenggarakan suatu proses
untuk memonitor dan menilai efektivitas Program Jaminan dan Peningkatan
Kualitas secara keseluruhan. Proses ini harus mencakup penilaian (<i>assessment</i>)
internal maupun eksternal.<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: 200%;">1)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penilaian
Internal<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penilaian Internal oleh fungsi audit internal harus mencakup:</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l127 level1 lfo45; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Review</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> yang berkesinambungan atas kegiatan
dan kinerja fungsi audit internal, dan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l127 level1 lfo45; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Review</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> berkala yang dilakukan melalui <i>Self Assessment</i> atau oleh pihak lain
dari dalam organisasi yang memiliki pengetahuan tentang standar dan praktik
audit internal</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l57 level1 lfo44; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penilaian
Eksternal<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penilaian Eksternal, seperti <i>Quality Assurance Reviews</i> harus dilakukan sekurang-kurangnya sekali
dalam dua tahun oleh pihak luar perusahaan yang independen dan kompeten.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l138 level1 lfo21; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pelaporan
Program Jaminan dan Peningkatan Kualitas</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penanggungjawab fungsi audit internal harus melaporkan hasil </span><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">review</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">dari pihak eksternal kepada Pimpinan dan
Dewan Pengawas Organisasi.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l138 level1 lfo21; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pernyataan
Kesesuaian dengan SPAI</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dalam laporan kegiatan periodiknya, auditor internal harus
memuat pernyataan bahwa aktivitasnya dilaksanakan sesuai dengan Standar Profesi
Audit Internal. Pernyataan ini harus didukung dengan hasil penilaian program
jaminan kualitas.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l138 level1 lfo21; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">d.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengungkapan
atas Ketidakpatuhan</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dalam hal terdapat ketidak-patuhan terhadap SPAI dan Kode
Etik yang mempengaruhi ruang lingkup dan aktivitas fungsi audit internal secara
signifikan, maka hal ini harus diungkapkan kepada Pimpinan dan Dewan Pengawas
Organisasi.</span><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l137 level1 lfo134; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.2.4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Standar
Kinerja Audit Internal</span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Berikut
ini adalah standar atribut yang harus dimiliki oleh seorang Audit Internal
menurut Hery (2016:271), sebagai berikut :<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: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengelolaan
Fungsi Audit Internal</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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%;">Penanggungjawab fungsi audit internal harus mengelola fungsi
audit internal secara efektif dan efisien untuk memastikan bahwa kegiatan
fungsi tersebut memberikan nilai tambah bagi Organisasi.</span></div>
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<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Perencanaan</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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%;">Penanggungjawab fungsi audit internal harus menyusun
perencanaan yang berbasis risiko (<i>risk-based plan</i>) untuk menetapkan
prioritas kegiatan audit internal, konsisten dengan tujuan organisasi.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
<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: 200%;">1)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Rencana penugasan audit internal
harus<b> </b>berdasarkan penilaian risiko yang dilakukan paling sedikit setahun
sekali. Masukan dari Pimpinan dan Dewan Pengawas Organisasi serta perkembangan
terkini harus juga dipertimbangkan dalam proses ini.<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: 200%;">2)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Rencana penugasan audit internal harus
mempertimbangkan potensi untuk meningkatkan pengelolaan risiko, memberikan
nilai tambah dan meningkatkan kegiatan organisasi.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Komunikasi
dan Persetujuan</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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%;">Penanggungjawab fungsi audit internal harus mengkomunikasikan
rencana kegiatan audit, dan kebutuhan sumber daya kepada Pimpinan dan Dewan
Pengawas Organisasi untuk mendapat persetujuan. Penanggungjawab fungsi audit
internal juga harus mengkomunikasikan dampak yang mungkin timbul karena adanya
keterbatasan sumberdaya.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengelolaan
Sumberdaya</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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%;">Penanggungjawab fungsi audit internal harus memastikan bahwa
sumberdaya fungsi audit internal sesuai, memadai, dan dapat digunakan secara
efektif untuk mencapai rencana-rencana yang telah disetujui.</span></div>
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<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">d.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kebijakan
dan Prosedur</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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%;">Penanggungjawab fungsi audit internal harus menetapkan
kebijakan dan prosedur sebagai pedoman bagi pelaksanaan kegiatan fungsi audit
internal.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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: 200%;">e.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Koordinasi</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penanggungjawab fungsi audit internal harus berkoordinasi
dengan pihak internal dan eksternal organisasi yang melakukan pekerjaan audit
untuk memastikan bahwa lingkup seluruh penugasan tersebut sudah memadai dan
meminimalkan duplikasi.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> <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: 200%;">f.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Laporan
Kepada Pimpinan dan Dewan Pengawas</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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%;">Penanggungjawab fungsi audit internal harus menyampaikan
laporan secara berkala kepada pimpinan dan dewan pengawas mengenai perbadingan
rencana dan realisasi yang mencakup sasaran, wewenang, tanggung jawab, dan
kinerja fungsi audit internal.<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%;">Laporan ini harus memuat permasalahan mengenai risiko,
pengendalian, proses <i>governance</i>, dan
hal lainnya yang dibutuhkan atau diminta oleh pimpinan dan dewan pengawas.<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: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Lingkup
Penugasan</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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%;">Fungsi
audit internal melakukan evaluasi dan memberikan kontribusi terhadap
peningkatan proses pengelolaan risiko, pengendalian, dan <i>governance,</i>
dengan menggunakan pendekatan yang sistematis, teratur dan menyeluruh.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengelolaan
Risiko</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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%;">Fungsi audit internal harus membantu organisasi dengan cara
mengidentifikasi dan mengevaluasi risiko signifikan dan memberikan kontribusi
terhadap peningkatan pengelolaan risiko dan sistem pengendalian intern</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengendalian</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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%;">Fungsi audit internal harus membantu organisasi dalam
memelihara pengendalian intern yang efektif dengan cara mengevaluasi kecukupan,
efisiensi dan efektivitas pengendalian tersebut, serta mendorong peningkatan
pengendalian intern secara berkesinambungan.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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: 200%;">1)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Berdasarkan
hasil penilaian risiko, fungsi audit internal harus mengevaluasi kecukupan dan
efektivitas sistem pengendalian intern, yang mencakup <i>governance</i>, kegiatan operasi dan sistem informasi organisasi. Hal
ini harus mencakup e</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">fektivitas
dan efisiensi kegiatan operasi, keandalan dan integritas informasi, kepatuhan
terhadap peraturan perundang-undangan yang berlaku, dan pengamanan aset
organisasi.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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: 200%;">2)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Fungsi audit
internal harus memastikan sampai sejauh mana sasaran dan tujuan program serta kegiatan
operasi telah ditetapkan dan sejalan dengan sasaran dan tujuan organisasi.<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: 200%;">3)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Auditor internal
harus mereviu kegiatan operasi dan program untuk memastikan sampai sejauhmana
hasil-hasil yang diperoleh konsisten dengan tujuan dan sasaran yang telah ditetapkan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l20 level1 lfo47; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">4)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Untuk
mengevaluasi sistem pengendalian intern diperlukan kriteria yang memadai.</span></div>
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<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Proses <i>Governance</i></span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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%;">Fungsi audit internal harus menilai dan memberikan
rekomendasi yang sesuai untuk meningkatkan proses <i>governance </i>dalam
mencapai tujuan-tujuan berikut:</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l19 level1 lfo48; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Mengembangkan etika dan nilai-nilai
yang memadai di dalam organisasi<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: 200%;">2)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Memastikan pengelolaan kinerja
organisasi yang efektif dan akuntabilitas<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l19 level1 lfo48; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">3)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Secara efektif mengkomunikasikan
risiko dan pengendalian kepada unit-unit yang tepat di dalam organisasi.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l19 level1 lfo48; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">4)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Secara efektif mengkoordinasikan
kegiatan dan mengkomunikasi informasi di antara, pimpinan, dewan pengawas,
auditor internal dan eksternal serta manajemen.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Fungsi
auditor internal harus mengevaluasi<b> </b>rancangan, implementasi dan
efektivitas dari kegiatan, program dan sasaran organisasi yang berhubungan
dengan etika.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l65 level1 lfo22; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Perencanaan
Penugasan</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Auditor internal harus mengembangkan dan mendokumentasikan
rencana untuk setiap penugasan yang mencakup ruang lingkup, sasaran, waktu dan
alokasi sumberdaya.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l67 level1 lfo25; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pertimbangan
Perencanaan ; </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">d</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">alam merencanakan
penugasan</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">nya</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">, auditor internal harus mempertimbangkan :</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l11 level1 lfo49; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Sasaran dari kegiatan yang sedang dievaluasi
dan mekanisme yang digunakan kegiatan tersebut dalam mengendalikan kinerjanya.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l11 level1 lfo49; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko signifikan atas kegiatan,
sasaran, sumberdaya, dan operasi yang direviu serta pengendalian yang
diperlukan untuk menekan dampak risiko ke tingkat yang dapat diterima.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l11 level1 lfo49; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">3)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kecukupan dan efektivitas pengelolaan
risiko dan sistem pengendalian intern.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l11 level1 lfo49; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">4)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Peluang yang signifikan untuk
meningkatkan pengelolaan risiko dan sistem pengendalian intern.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l67 level1 lfo25; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Sasaran
Penugasan; </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">sasaran
untuk setiap penugasan harus ditetapkan.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l67 level1 lfo25; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Ruang
Lingkup Penugasan; a</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">gar sasaran penugasan tercapai maka Fungsi Audit Internal
harus mempunyai ruang lingkup penugasan yang memadai.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l67 level1 lfo25; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">d.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Alokasi
Sumberdaya Penugasan</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> ; </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">auditor internal
harus menentukan sumberdaya yang sesuai untuk mencapai sasaran penugasan.
Penugasan staf harus didasarkan pada evaluasi atas sifat dan kompleksitas
penugasan, keterbatasan waktu, dan ketersediaan sumberdaya.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l67 level1 lfo25; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">e.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Program
Kerja Penugasan</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> ; </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">auditor internal
harus menyusun dan mendokumentasikan program kerja dalam rangka mencapai
sasaran penugasan.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Program kerja harus menetapkan prosedur
untuk<b> </b>mengidentifikasi, menganalisis, mengevaluasi, dan mendokumentasikan
informasi selama penugasan. Program kerja ini harus memperoleh persetujuan
sebelum dilaksanakan. Perubahan atau penyesuaian atas program kerja harus
segera mendapat persetujuan.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l65 level1 lfo22; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pelaksanaan
Penugasan</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dalam melaksanakan audit, auditor internal harus
mengidentifikasi, menganalisis, mengevaluasi, dan mendokumentasikan informasi
yang memadai untuk mencapai tujuan penugasan.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l69 level1 lfo26; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Mengidentifikasi
Informasi; </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">uditor Internal
harus mengidentifikasi informasi yang memadai, handal, relevan, dan berguna
untuk mencapai sasaran penugasan.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l69 level1 lfo26; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Analisis
dan Evaluasi; </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">uditor internal
harus mendasarkan kesimpulan dan hasil penugasan pada analisis dan evaluasi
yang tepat.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l69 level1 lfo26; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dokumentasi
Informasi; </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">uditor internal
harus mendokumentasikan informasi yang relevan untuk mendukung kesimpulan dan
hasil penugasan.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l69 level1 lfo26; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">d.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Supervisi
Penugasan; </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">setiap
penugasan harus disupervisi dengan tepat untuk memastikan tercapainya sasaran,
terjaminnya kualitas, dan meningkatnya kemampuan staf.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l65 level1 lfo22; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">5.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Komunikasi
Hasil Penugasan</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Auditor internal harus mengkomunikasikan hasil penugasannya
secara tepat waktu.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l109 level1 lfo27; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kriteria
Komunikasi</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> ; </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">harus mencakup
sasaran dan lingkup penugasan, simpulan, rekomendasi, dan rencana tindakannya.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l109 level1 lfo27; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kualitas
Komunikasi</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> ; dimana k</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">omunikasi yang
disampaikan baik tertulis maupun lisan harus akurat, obyektif, jelas, ringkas,
konstruktif, lengkap, dan tepat waktu. Jika komunikasi final mengandung
kesalahan dan kealpaan, penanggungjawab fungsi audit internal harus
mengkomunikasikan informasi yang telah dikoreksi kepada semua pihak yang telah
menerima komunikasi sebelumnya.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l109 level1 lfo27; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengungkapan
atas Ketidakpatuhan terhadap Standar</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> ;</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">k</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">omunikasi hasil-hasil penugasan harus
mengungkapkan s</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">tandar
yang tidak dipatuhi, alasan ketidakpatuhan, dampak dari ketidakpatuhan terhadap
penugasan.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l109 level1 lfo27; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">d.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Eminasi
Hasil-hasil Penugasan</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
; p</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">enanggungjawab
fungsi audit internal harus mengkomunikasikan hasil pen</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">ugasan kepada pihak yang berhak</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l65 level1 lfo22; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">6.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pemantauan
Tindaklanjut</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penanggungjawab fungsi audit internal harus menyusun dan menjaga
sistem untuk memantau tindak-lanjut hasil penugasan yang telah dikomunikasikan
kepada manajemen. Selain itu audit internal harus menyusun prosedur tindak
lanjut untuk memantau dan memastikan bahwa manajemen telah melaksanakan
tindak-lanjut secara efektif, atau menanggung risiko karena tidak melakukan
tindak-lanjut.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l65 level1 lfo22; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">7.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Resolusi
Penerimaan Risiko oleh Manajemen</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Apabila manajemen senior telah memutuskan untuk menanggung
risiko residual yang sebenarnya tidak dapat diterima oleh organisasi,
penanggungjawab fungsi audit internal harus mendiskusikan masalah ini dengan
manajemen senior. Jika diskusi tersebut tidak menghasilkan keputusan yang
memuaskan, maka penanggungjawab fungsi audit internal dan manajemen senior
harus melaporkan hal tersebut kepada pimpinan dan dewan pengawas organisasi
untuk mendapatkan resolusi.</span><b><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l115 level1 lfo5; text-align: justify; text-indent: -36.0pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">MANAJEMEN RISIKO</span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l120 level1 lfo135; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.3.1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengertian Manajemen Risiko</span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jika
merujuk dari pendapat Dewi Hanggraeni (2015:2), manajemen risiko merupakan
suatu rangkaian proses untuk mengidentifikasi, mengukur, memitigasi dan
mengontrol risiko usaha dalam pengelolaan suatu institusi atau perusahaan. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pendapat
lain dari Setia Mulyawan (2015:46), manajemen risiko diartikan sebagai
seperangkat kebijakan, prosedur yang lengkap, yang dimiliki organisasi, untuk
mengelola, memonitor, dan mengendalikan eksposur organisasi terhadap resiko.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Sedangkan
jika merujuk pada peraturan Otoritas Jasa Keuangan (OJK) NOMOR 1/POJK.05/2015
pada Pasal 1 No. 11, mengartikan manajemen risiko sebagai serangkaian prosedur
dan metodologi yang digunakan untuk mengidentifikasi, mengukur, memantau, dan
mengendalikan Risiko yang timbul dari kegiatan usaha LJKNB (Lembaga Jasa
Keuangan Non-Bank).</span><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l120 level1 lfo135; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.3.2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penerapan Manajemen Risiko<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penerapan
manajemen risiko menurut peraturan OJK Peraturan OJK NOMOR 1/POJK.05/2015 pada
pasal 2 (2), menyebutkan :</span><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l108 level2 lfo18; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengawasan aktif
direksi, dewan komisaris, atau yang setara dari LJKNB; <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l108 level2 lfo18; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kecukupan
kebijakan, prosedur, dan penetapan limit Risiko; <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l108 level2 lfo18; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kecukupan proses
identifikasi, pengukuran, pemantauan dan pengendalian Risiko;<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l108 level2 lfo18; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Sistem informasi
Manajemen Risiko; dan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l108 level2 lfo18; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">5.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Sistem
pengendalian intern yang menyeluruh.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l120 level1 lfo135; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.3.3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengelolaan Risiko<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pada dasarnya risiko masih dapat dikelola. Pengelolaan risiko
adalah upaya yang sadar untuk mengidentifikasi, mengukur, dan mengendalikan
bentuk kerugian yang dapat timbul. Ini merupakan upaya yang terus-menerus,
karena risiko akan dihadapi oleh siapa saja, baik besar maupun kecil. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Ada tiga tindakan pokok dalam pengelolaan risiko menurut
Setia Mulyawan (2015:49), yaitu:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l33 level7 lfo13; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Identifikasi
Risiko dan Pemetaan Resiko<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Tindakan ini erat kaitannya dengan
kemampuan kita untuk menganalisa dan memprediksi berbagai kejadian yang senantiasa
dihadapi oleh setiap orang atau Organisasi. </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Hal-hal yang perlu diperhatikan dalam menerapkan
identifikasi risiko antara lain:</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 1.0pt; margin-top: 0cm; mso-hyphenate: auto; mso-list: l66 level2 lfo19; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Perusahaan pembiayaan (<i>multifinance</i>) harus mengidentifikasi
risiko kredit yang melekat pada seluruh produk dan aktivitasnya. Identifikasi
risiko kredit tersebut merupakan hasil kajian terhadap karakteristik risiko
kredit.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 1.0pt; margin-top: 0cm; mso-hyphenate: auto; mso-list: l66 level2 lfo19; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Untuk kegiatan perkreditan dan jasa
pembiayaan perdagangan, penilaian risiko kredit harus memperhatikan kondisi
keuangan debitur dan khususnya kemampuan membayar secara tepat waktu, serta
jaminan atau agunan yang diberikan.</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l33 level7 lfo13; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Analisis
dan Evaluasi Risiko<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Setelah semua kejadian kita
analisa, dan kemungkinan kerugiannya kita ketahui, langkah berikutnya adalah
mengukur kerugian-kerugian potensial untuk masa yang akan datang.<o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-list: l33 level7 lfo13; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Respon atau Reaksi untuk Menanggulangi
Risiko</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Menegaskan profil resiko dan
rencana manajemen, hal ini terkait dengan gaya manajemen dan visi strategis
dari organisasi.</span><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l120 level1 lfo135; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.3.4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penerapan Risiko<o:p></o:p></span></b></div>
<div class="MsoListParagraph" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pada
Pasal 4 (4) Peraturan OJK NOMOR 1/POJK.05/2015 menjelaskan Manajemen Risiko
sebagaimana dimaksud dalam Pasal 2 bagi LJKNB berupa perusahaan pembiayaan
wajib diterapkan untuk: <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo28; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko
Strategi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko yang muncul akibat kegagalan
penetapan strategi yang tepat dalam rangka pencapaian sasaran dan target utama
LJKNB. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo28; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko
Operasional<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko yang muncul sebagai akibat
ketidaklayakan atau kegagalan proses internal, manusia, sistem teknologi
informasi dan/atau adanya kejadian yang berasal dari luar lingkungan LJKNB. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo28; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko
Aset dan Liabilitas<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko yang muncul sebagai akibat
kegagalan pengelolaan aset dan liabilitas LJKNB.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo28; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko
Kepengurusan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko yang muncul sebagai akibat
kegagalan LJKNB dalam memelihara komposisi terbaik pengurusnya, yaitu direksi
dan dewan komisaris, atau yang setara, yang memiliki kompetensi dan integritas
yang tinggi. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo28; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">5.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko
Tata Kelola<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko yang muncul karena adanya
potensi kegagalan dalam pelaksanaan tata kelola yang baik (<i>good governance</i>) LJKNB, ketidaktepatan gaya manajemen, lingkungan
pengendalian, dan perilaku dari setiap pihak yang terlibat langsung atau tidak
langsung dengan LJKNB. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo28; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">6.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko
Dukungan Dana<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko yang muncul akibat
ketidakcukupan dana</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> atau</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">modal
yang ada pada LJKNB, termasuk kurangnya akses tambahan dana atau modal dalam
menghadapi kerugian atau kebutuhan dana</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> atau </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">modal yang tidak terduga. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo28; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">7.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko
Pembiayaan</span><o:p></o:p></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko
yang muncul akibat kegagalan debitur dan/atau pihak lain dalam memenuhi
kewajiban kepada perusahaan pembiayaan. Risiko ini sering kali disebut sebagai
risiko kredit.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l115 level1 lfo5; text-align: justify; text-indent: -36.0pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">KREDIT</span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l38 level1 lfo136; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.4.1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengertian Kredit</span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pengertian kredit mempunyai arti yang beraneka ragam, kata
kredit dari bahasa latin <i>“credere” </i>yang
berarti kepercayaan, atau <i>credo </i>yang
berarti <span style="letter-spacing: -.15pt;">saya </span>percaya. Jadi
seandainya seseorang memperoleh kredit, berarti dia memperoleh kepercayaan (<i>trust</i>). Dengan perkataan lain maka
kredit mengandung pengertian adanya suatu kepercayaan dari seseorang atau badan
yang diberikan kepada seseorang atau badan lainnya yaitu bahwa yang
bersangkutan pada masa yang akan datang
memenuhi segala sesuatu kewajiban yang telah diperjanjikan terlebih dahulu. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Menurut Raymont P. Kent (dalam Thamrin Abdullah dan Francis
Tantri, 2013:163), menyatakan bahwa kredit adalah hak untuk menerima pembayaran
kewajiban untuk melakukan pembayaran pada waktu diminta, atau pada waktu yang
akan datang, karena penyerahan barang-barang<span style="letter-spacing: -.45pt;">
</span>sekarang. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jika menurut </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">pandangan Rivai et
al (dalam Pandia, 2012:169</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">)</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">,
kredit adalah penyerahan barang, jasa, atau uang dari satu pihak (kreditur)
atas dasar kepercayaan kepada pihak lain (debitur) dengan janji membayar dari
penerima kredit kepada pemberi kredit pada tanggal yang telah disepakati kedua
belah pihak.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 42.55pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Sedangkan menurut Kasmir (2014:86) kredit atau pembiayaan
dapat berupa uang atau tagihan yang nilainya diukur dengan<span style="letter-spacing: -.35pt;"> </span>uang. </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dalam perjanjian kredit
tercakup hak dan kewajiban masing-masing pihak, termasuk jangka waktu serta
bunga yang ditetapkan bersama. Demikian pula dengan masalah sanksi apabila debitur
ingkar janji terhadap perjanjian yang telah dibuat bersama.</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l38 level1 lfo136; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.4.2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Fungsi
Kredit<o:p></o:p></span></b></div>
<div class="MsoBodyTextCxSpFirst" style="line-height: 200%; text-align: justify; text-indent: 42.55pt;">
<span lang="EN-US">Menurut Kasmir (</span>2014:89<span lang="EN-US">) menyatakan bahwa
selain memiliki tujuan pemberian suatu fasilitas kredit, juga memiliki suatu
fungsi yang sangat luas, yaitu sebagai berikut:<o:p></o:p></span></div>
<div class="MsoBodyTextCxSpLast" style="line-height: 200%; text-align: justify; text-indent: 42.55pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l75 level1 lfo125; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Untuk
Meningkatkan Daya Guna<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dengan adanya kredit dapat
meningkatkan daya guna uang maksudnya jika uang hanya disimpan saja tidak akan
menghasilkan sesuatu yang berguna. Dengan diberikan kredit uang tersebut menjadi berguna untuk
menghasilkan barang atau jasa oleh penerima kredit.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l75 level1 lfo125; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Untuk Meningkatkan Peredaran dan Lalu Lintas Uang<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dalam hal ini uang yang diberikan
atau disalurkan akan beredar dari satu wilayah ke wilayah lainnya sehingga
suatu daerah tersebut akan memperoleh tambahan uang dari daerah lainnya.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l75 level1 lfo125; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Untuk
Meningkatkan Daya Guna Barang<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit yang diberikan oleh bank
akan dapat digunakan oleh si debitur untuk mengelola barang yang tidak berguna menjadi
berguna atau bermanfaat.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l75 level1 lfo125; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Meningkatkan
Peredaran Barang<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit dapat pula menambah atau
memperlancar arus barang dari satu wilayah ke wilayah lainnya sehingga jumlah
barang beredar bertambah atau kredit dapat pula meningkatkan jumlah barang yang
beredar.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l75 level1 lfo125; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">5.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Sebagai
Alat Stabilitas Ekonomi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dengan memberikan kredit dapat
dikatakan sebagai stabilitas ekonomi karena dengan adanya kredit yang diberikan
akan menambah jumlah barang yang diperlukan oleh masyrakat.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l75 level1 lfo125; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">6.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Untuk
Meningkatkan Kegairahan Berusaha<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Bagi si penerima kredit tentu akan
dapat meningkatkan kegairahan berusaha,
apalagi bagi si nasabah yang memang modalnya pas-pasan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l75 level1 lfo125; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">7.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Untuk
Meningkatkan Pemerataan Pendapatan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Semakin banyak kredit yang
disalurkan, akan semakin baik, terutama dalam hal meningkatkan pendapatan.
Misalnya juka sebuah kredit diberikan untuk membangun pabrik, maka pabrik
tersebut tentu membutuhkan tenaga kerja sehingga dapat pula mengurangi
pengangguran. Di samping itu, bagi masyarakat sekitar pabrik juga akan dapat
meningkatkan pendapatan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l75 level1 lfo125; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">8.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Untuk
Meningkatkan Hubungan Internasional<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dalam hal pinjaman internasional
akan dapat meningkatkan saling membutuhkan antara si penerima kredit dengan si
pemberi kredit. Pemberian kredit oleh negara lain akan meningkatkan kerja sama
di bidang lain.<b><o:p></o:p></b></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l38 level1 lfo136; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.4.3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Unsur-unsur
Kredit<o:p></o:p></span></b></div>
<div class="MsoBodyText" style="line-height: 200%; text-align: justify; text-indent: 42.55pt;">
<span lang="EN-US">Unsur-unsur kredit yang utama adalah adanya orang atau
badan yang memiliki uang, barang atau jasa yang bersedia untuk meminjamkan
kepada pihak lain. Orang atau badan demikian lazim disebut kreditur. <o:p></o:p></span></div>
<div class="MsoBodyText" style="line-height: 200%; text-align: justify; text-indent: 42.55pt;">
<span lang="EN-US">Menurut Kasmir (</span>2014:87<span lang="EN-US">) terkandung unsur-unsur dalam fasilitas
kredit, diantaranya adalah sebagai berikut:<o:p></o:p></span></div>
<div class="MsoBodyText" style="line-height: 200%; margin-left: 21.3pt; mso-list: l13 level1 lfo126; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US">1.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span lang="EN-US">Kepercayaan<o:p></o:p></span></div>
<div class="MsoBodyText" style="line-height: 200%; margin-left: 21.3pt; text-align: justify;">
<span lang="EN-US">Kepercayaan yaitu suatu keyakinan pemberi kredit bahwa
kredit yang diberikan (berupa uang, jasa atau barang) akan benar-benar diterima
kembali di masa tertentu </span>atau <span lang="EN-US">di masa datang.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l13 level1 lfo126; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kesepakatan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Di samping unsur
percaya, dalam kredit juga mengandung unsur kesepakatan antara si pemberi
kredit dengan si penerima kredit. Kesepakatan ini dituangkan dalam suatu
perjanjian di mana masing-masing pihak menandatangani hak dan kewajiban masing-
masing.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l13 level1 lfo126; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jangka waktu<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Setiap kredit
yang diberikan memiliki jangka waktu tertentu, jangka waktu ini mencakup masa
pengembalian kredit yang telah disepakati. Jangka waktu tersebut bisa dibentuk
jangka pendek, jangka menengah atau
jangka panjang.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l13 level1 lfo126; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Risiko<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Adanya suatu
tenggang waktu pengembalian akan menyebabkan suatu risiko tidak tertagih atau macet
pemberian kredit. Semakin panjang suatu kredit semakin besar risikonya,
demikian pula sebaliknya. Risiko ini menjadi tanggungan bank, baik risiko yang
disengaja oleh nasabah yang lalai, maupun risiko yang tidak sengaja.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l13 level1 lfo126; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">5.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Balas Jasa<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Balas jasa merupakan keuntungan atas pemberian suatu
kredit atau yang kita kenal dengan nama bunga. Balas jasa dalam bentuk bunga
dan biaya administrasi kredit ini merupakan
keuntungan bagi bank.</span><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
<div class="MsoListParagraph" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l38 level1 lfo136; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.4.4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jenis-jenis
Kredit<o:p></o:p></span></b></div>
<div class="MsoBodyText" style="line-height: 200%; text-align: justify; text-indent: 42.55pt;">
<span lang="EN-US">Menurut Kasmir (</span>2014:90<span lang="EN-US">), dalam praktiknya jenis kredit dilihat
dari berbagai segi dapat diklasifikasikan antara lain :<o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l25 level1 lfo127; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit dilihat dari
Segi Kegunaan<o:p></o:p></span></div>
<div class="MsoBodyText" style="line-height: 200%; margin-left: 21.3pt; text-align: justify;">
Jika dilihat dari segi kegunaannya,
jenis kredit terdiri dari :<o:p></o:p></div>
<div class="MsoBodyText" style="line-height: 200%; margin-left: 21.3pt; text-align: justify;">
<br /></div>
<div class="MsoBodyText" style="line-height: 200%; margin-left: 21.3pt; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l98 level1 lfo128; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Investasi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Biasanya
digunakan untuk keperluan perluasan usaha, membangun proyek pabrik baru, atau untuk
keperluan rehabilitasi. Contoh kredit investasi misalnya untuk membangun pabrik
atau membeli mesin-mesin. Pendek kata masa pemakaiannya untuk suatu periode
yang relatif lebih lama.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l98 level1 lfo128; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Modal
Kerja<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Digunakan untuk
keperluan meningkatkan produksi dalam operasionalnya. Sebagai contoh kredit
modal kerja diberikan untuk membeli bahan baku, membayar gaji pegawai atau
biaya-biaya lainnya yang berkaitan dengan proses produksi perusahaan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l25 level1 lfo127; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit dilihat dari
Segi Tujuan Kredit<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jika dilihat dari segi tujuan
kreditnya, jenis kredit terdiri dari :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l40 level1 lfo129; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Produktif<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit yang
digunakan untuk peningkatan usaha atau produksi atau investasi. Kredit ini
diberikan untuk menghasilkan barang atau jasa. Sebagai contohnya kredit untuk
membangun pabrik yang nantinya akan menghasilkan barang, kredit pertanian akan
menghasilkan produk pertanian atau kredit pertambangan menghasilkan barang
tambang atau kredit industri lainnya.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l40 level1 lfo129; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Konsumtif<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit yang
digunakan untuk dikonsumsi secara pribadi. Dalam kredit ini tidak ada
pertambahan barang dan jasa yang dihasilkan, karena memang untuk digunakan atau
dipakai oleh seseorang atau badan usaha. Sebagai contoh kredit untuk perumahan,
kredit mobil pribadi, kredit perabotan rumah tangga, dan kredit konsumsi
lainnya.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l40 level1 lfo129; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit
Perdagangan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit yang
digunakan untuk perdagangan, biasanya untuk membeli barang dagangan yang
pembayarannya diharapkan dari hasil penjualan barang dagangan tersebut. Kredit
ini sering diberikan kepada suplier atau agen-agen perdagangan yang akan
membeli barang dalam jumlah besar. Contoh kredit ini misalnya kredit ekspor dan
impor.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l25 level1 lfo127; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit dilihat dari
Segi Jangka Waktu<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jika dilihat dari segi jangka
waktunya, jenis kredit terdiri dari :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l82 level1 lfo130; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Jangka
Pendek<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Merupakan kredit
yang memiliki jangka waktu kurang dari 1 (satu) tahun atau paling lama 1 (satu)
tahun dan biasanya digunakan untuk keperluan modal kerja. Contohnya untuk
peternakan misalnya kredit peternakan ayam atau jika untuk pertanian misalnya
tanaman padi.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l82 level1 lfo130; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Jangka
Menengah<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jangka waktu
kreditnya berkisar antara 1 (satu) tahun sampai dengan 3 (tiga) tahun, biasanya
untuk investasi. Sebagai contoh kredit untuk pertanian seperti jeruk atau
peternakan kambing.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l82 level1 lfo130; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Jangka
Panjang<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Merupakan kredit
yang masa pengembaliannya paling panjang. Kredit jangka panjang waktu
pengembaliannya di atas 3 (tiga) tahun atau 5 (lima) tahun. Biasanya kredit ini
untuk investasi jangka panjang seperti perkebunan karet, kelapa sawit atau
manufaktur dan untuk kredit konsumtif seperti kredit perumahan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l25 level1 lfo127; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit dilihat dari
Segi Jaminan<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jika
dilihat dari segi jaminannya, jenis kredit terdiri dari :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l89 level1 lfo131; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit dengan
Jaminan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit yang
diberikan dengan suatu jaminan, jaminan tersebut dapat berbentuk barang
berwujud atau tidak berwujud atau jaminan orang. Artinya setiap kredit yang
dikeluarkan akan dilindungi senilai jaminan yang diberikan si calon debitur.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l89 level1 lfo131; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Tanpa
Jaminan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Merupakan kredit
yang diberikan tanpa jaminan barang atau orang tertentu. Kredit jenis ini
diberikan dengan melihat prospek usaha dan karakter serta loyalitas atas nama
baik si calon debitur selama ini.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l25 level1 lfo127; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">5.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit dilihat dari
Sektor Usaha<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jika
dilihat dari sektor usahanya, jenis kredit terdiri dari :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l45 level1 lfo132; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Pertanian
<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Merupakan kredit
yang dibiayai untuk sektor perkebunan atau pertanian rakyat. Sektor usaha
pertanian dapat berupa jangka pendek atau jangka panjang.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l45 level1 lfo132; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Peternakan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit
peternakan dalam hal ini untuk jangka pendek misalnya peternakan ayam dan
jangka panjang kambing atau sapi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l45 level1 lfo132; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Industri<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Merupakan kredit
untuk membiayai industri kecil, menengah atau besar.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l45 level1 lfo132; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">d.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit
Pertambangan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jenis usaha
tambang yang dibiayainya biasanya dalam jangka panjang, seperti tambang emas,
minyak atau timah.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l45 level1 lfo132; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">e.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Pendidikan
<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Merupakan kredit
yang diberikan untuk membangun sarana dan prasarana pendidikan atau dapat pula
berupa kredit untuk para mahasiswa.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l45 level1 lfo132; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">f.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Profesi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Profesi diberikan
kepada para profesional seperti, dosen, dokter atau pengacara.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l45 level1 lfo132; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">g.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Perumahan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Merupakan kredit
untuk membiayai pembangunan atau pembelian perumahan</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l38 level1 lfo136; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.4.5.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Prinsip-prinsip
Pemberian Kredit<o:p></o:p></span></b></div>
<div class="MsoBodyText" style="line-height: 200%; text-align: justify; text-indent: 42.55pt;">
S<span lang="EN-US">ebelum
fasilitas kredit diberikan, maka pihak bank ataupun LKNB (Lembaga Keuangan
Non-Bank) harus merasa yakin bahwa kredit yang diberikan benar-benar akan
kembali. Keyakinan tersebut diperoleh dari hasil penilaian kredit sebelum
kredit tersebut disalurkan. <o:p></o:p></span></div>
<div class="MsoBodyText" style="line-height: 200%; text-align: justify; text-indent: 42.55pt;">
Menurut Kasmir (2014:95), p<span lang="EN-US">enilaian tersebut menggunakan beberapa prinsip, yaitu prinsip 5C dan
prinsip 7P.</span><b><o:p></o:p></b></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l12 level1 lfo30; text-align: justify; text-indent: -17.85pt;">
<!--[if !supportLists]--><span lang="EN-US">1.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]-->Prinsip 5C<span lang="EN-US"><o:p></o:p></span></div>
<div class="MsoBodyTextCxSpLast" style="line-height: 200%; margin-left: 21.3pt; mso-add-space: auto; text-align: justify;">
<span lang="EN-US">Prinsip pemberian kredit
dengan konsep 5 C ini</span>,<span lang="EN-US"> meliputi :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l99 level1 lfo31; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Character</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
(Watak / Kepribadian)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Character
</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">merupakan
sifat atau watak seseorang. Sifat atau watak dari seseorang yang akan diberikan
kredit benar-benar harus dipercaya. Dalam hal ini perusahaan meyakini benar
bahwa calon debiturnya memiliki reputasi baik,
artinya selalu menepati janji dan tidak terlibat hal-hal yang berkaitan
dengan kriminalitas, misalnya penjudi, pemabuk, atau penipu. Untuk dapat
membaca sifat atau watak dari calon debitur dapat dilihat sari latar belakang
konsumen, baik yang bersifat latar belakang pekerjaan maupun yang bersifat pribadi
seperti cara hidup atau gaya hidup yang dianutnya, keadaan keluarga, hobi dan
jiwa sosial<b>.</b><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l99 level1 lfo31; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Capacity</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
(Kemampuan)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Capacity
</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">adalah
analisis untuk mengetahui kemampuan konsumen dalam membayar kredit. Perusahaan <i>multifinance</i> harus mengetahui secara pasti
atas kemampuan calon debitur (<i>customer</i>)
dengan melakukan analisis usahanya dari waktu ke waktu. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l99 level1 lfo31; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Capital</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
(Modal)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Untuk melihat penggunaan modal
apakah efektif atau tidak, dapat dilihat dari laporan keuangan (neraca dan
laporan laba rugi) yang disajikan dengan
melakukan pengukuran seperti dari segi likuiditas dan solvabilitasnya,
rentabilitas dan ukuran lainnya. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l99 level1 lfo31; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">d.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Collateral</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
(Jaminan atau Agunan)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Merupakan jaminan yang diberikan <i>customer</i> baik yang bersifat fisik maupun
nonfisik. Jaminan hendaknya melebihi jumlah kredit yang diberikan. Jaminan juga
harus diteliti keabsahannya dan kesempurnaanya,
sehingga jika terjadi suatu
masalah, maka jaminan yang dititipkan akan dapat dipergunakan secepat mungkin. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l99 level1 lfo31; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">e.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Condition of Economic</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
(Kondisi Perekonomian)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Condition
of Economic</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">, yaitu situasi dan kondisi politik,
sosial, ekonomi, budaya yang mempengaruhi usaha <i>customer</i> di kemudian hari.<o:p></o:p></span></div>
<div class="MsoBodyTextCxSpFirst" style="line-height: 200%; margin-left: 21.3pt; mso-add-space: auto; mso-list: l12 level1 lfo30; text-align: justify; text-indent: -17.85pt;">
<!--[if !supportLists]--><span lang="EN-US">2.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]-->Prinsip 7P<span lang="EN-US"><o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 21.3pt; mso-add-space: auto; text-align: justify;">
<span lang="EN-US">Prinsip pemberian kredit
dengan konsep 7 P ini</span>,<span lang="EN-US"> meliputi :<o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; mso-list: l72 level1 lfo32; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US">a.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><i>Personality </i>(Kepribadian)<span lang="EN-US"><o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; text-align: justify;">
<i><span lang="EN-US">Personality </span></i><span lang="EN-US">(kepribadian) adalah sifat
dan perilaku yang dimiliki </span><i>customer </i><span lang="EN-US">yang
mengajukan permohonan kredit bersangkutan, dipergunakan sebagai bahan
pertimbangan pemberian kredit.</span><span lang="EN-US"> </span><span lang="EN-US">Kepribadian </span><i>customer </i><span lang="EN-US">ini dapat diketahui dengan mengumpulkan informasi tentang keturunan,
pekerjaan, pendidikan, dan pergaulannya. </span>M<span lang="EN-US">enilai nasabah dari segi kepribadiannya atau
tingkah lakunya sehari-hari maupun masa lalunya. <i>Personality </i>juga mencakup sikap, emosi, tingkah laku dan tindakan
nasabah dalam menghadapi suatu masalah.<o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; mso-list: l72 level1 lfo32; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US">b.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><i>Party</i><span lang="EN-US"><o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; text-align: justify;">
<span lang="EN-US">Mengklasifikasikan</span><span lang="EN-US"> </span><i>customer</i><span lang="EN-US">
dalam klasifikasi tertentu atau golongan-golongan tertentu berdasarkan modal,
loyalitas serta karakternya. <o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; mso-list: l72 level1 lfo32; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US">c.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><i>Purpose </i>(Tujuan)<span lang="EN-US"><o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; text-align: justify;">
<span lang="EN-US">Purpose (tujuan) adalah
tujuan dan penggunaan kredit oleh</span><span lang="EN-US"> </span><i>customer</i><span lang="EN-US"> ini akan menjadi hal yang menentukan
apakah permohonan calon debitur disetujui atau ditolak. <o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; mso-list: l72 level1 lfo32; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US">d.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><i>Prospect</i><span lang="EN-US"><o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; text-align: justify;">
<span lang="EN-US">Untuk menilai usaha </span><i>customer </i><span lang="EN-US">di masa yang akan datang menguntungkan dan mempunyai prospek atau
sebaliknya. <i>Prospect </i>adalah prospek
perusahaan dimasa datang, apakah akan menguntungkan atau merugikan. <o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; mso-list: l72 level1 lfo32; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US">e.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><i>Payment</i><span lang="EN-US"><o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; text-align: justify;">
<i><span lang="EN-US">Payment </span></i><span lang="EN-US">(pembayaran) adalah mengetahui
bagaimana pembayaran kembali kredit yang diberikan hal ini dapat diketahui jika
analisis kredit memperhitungkan kelancaran penjualan dan pendapatan </span><i>customer </i><span lang="EN-US">sehingga dapat memperkirakan kemampuannya untuk membayar kembali
kredit tersebut sesuai dengan<span style="letter-spacing: -.05pt;"> </span>perjanjian.<o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; mso-list: l72 level1 lfo32; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US">f.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><i>Profitability</i><span lang="EN-US"><o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; text-align: justify;">
<span lang="EN-US">Untuk menganalisis
bagaimana kemampuan</span><span lang="EN-US"> </span><i>customer</i><span lang="EN-US"> dalam mencari laba. <i>Profitability
</i>diukur dari periode ke periode apakah akan tetap sama atau akan semakin
meningkat.<o:p></o:p></span></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.5pt; mso-add-space: auto; mso-list: l72 level1 lfo32; text-align: justify; text-indent: -17.85pt;">
<!--[if !supportLists]--><span lang="EN-US">g.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><i>Protection</i><span lang="EN-US"><o:p></o:p></span></div>
<div class="MsoBodyTextCxSpLast" style="line-height: 200%; margin-left: 42.5pt; mso-add-space: auto; text-align: justify;">
<span lang="EN-US">Dimaksudkan untuk berjaga-jaga
terhadap hal-hal yang tidak diduga sebelumnya, maka bank perlu melindungi
kredit yang diberikan dengan jalan</span><span lang="EN-US"> </span><span lang="EN-US">meminta jaminan (<i>collateral</i>)<i> </i>dari debitur
atau jaminan dari asuransi, baik dari sisi jaminan maupun dari sisi kreditnya.<o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l38 level1 lfo136; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.4.6.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Tahap-tahap
Pemberian Kredit<o:p></o:p></span></b></div>
<div class="MsoBodyText" style="line-height: 200%; text-align: justify; text-indent: 42.55pt;">
<span lang="EN-US">Sebelum kredit disalurkan kepada nasabah, ada beberapa
tahapan yang harus dilakukan oleh </span>perusahaan
pembiayaan (<i>multifinance</i>)<span lang="EN-US">. Menurut </span>Indra (2014)<span lang="EN-US"> tahapan-tahapan pemberian kredit adalah sebagai berikut:<o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l24 level1 lfo38; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Tahap Permohonan<o:p></o:p></span></div>
<div class="MsoBodyTextCxSpFirst" style="line-height: 200%; margin-left: 21.3pt; mso-add-space: auto; text-align: justify;">
Yaitu
proses dimana <i>customer</i> mengajukan
aplikasi kepada perusahaan pembiayaan. Dan dari sana ada beberapa hal yang
perlu diperhatikan oleh pihak <i>Multifinance</i>
diantaranya adalah :<o:p></o:p></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; mso-list: l9 level1 lfo33; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]-->a.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Sisi Aplikasi<o:p></o:p></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 63.8pt; mso-add-space: auto; mso-list: l107 level1 lfo50; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]-->1)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Double
Funding Checking</i><o:p></o:p></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 63.8pt; mso-add-space: auto; text-align: justify;">
Pihak <i>multifinance</i> akan mengecek apakah
aplikasi yang diajukan sudah ada sebelumnya dengan nama yang sama dan asset
yang sama.<o:p></o:p></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 63.8pt; mso-add-space: auto; mso-list: l107 level1 lfo50; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]-->2)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Kelengkapan Dokumen<o:p></o:p></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 63.8pt; mso-add-space: auto; text-align: justify;">
Para <i>customer</i> diharuskan untuk menyerahkan
beberapa hal untuk di cek oleh <i>multifinance
</i>untuk mengecek kelayakan <i>customer</i>.
<span lang="EN-US">Diantaranya adalah KTP, KK, Surat keterangan kerja, slip
gaji, buku tabungan, dan sebagainya.</span><o:p></o:p></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 63.8pt; mso-add-space: auto; mso-list: l107 level1 lfo50; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]-->3)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i><span lang="EN-US">Pricelist</span></i><o:p></o:p></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 63.8pt; mso-add-space: auto; text-align: justify;">
H<span lang="EN-US">arga yang siap dibiayai oleh <i>multifinance</i>
berbeda di tiap kota sesuai dengan ketentuan masing-masing <i>multifinance</i>.</span><o:p></o:p></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 63.8pt; mso-add-space: auto; mso-list: l107 level1 lfo50; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]-->4)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i><span lang="EN-US">Collateral</span></i><o:p></o:p></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 63.8pt; mso-add-space: auto; text-align: justify;">
P<span lang="EN-US">ihak <i>multifinance</i> akan
mengecek jaminan dari <i>customer</i>.
Biasanya <i>multifinance</i> akan melakukan
penarikan asset apabila debitur tidak sanggup menyelesaikan atau membayar
pinjaman tepat pada waktunya.</span> </div>
<div class="MsoBodyTextCxSpLast" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; mso-list: l9 level1 lfo33; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]-->b.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Sisi Pelanggan (<i>customer</i>)<o:p></o:p></div>
<div class="MsoListParagraphCxSpFirst" style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l63 level1 lfo34; text-align: justify; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Blacklist Customer</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; vertical-align: baseline;">
<i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Multifinance</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> akan mengecek daftar blacklist dari beberapa sumber.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l90 level1 lfo52; text-align: justify; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Internal<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 106.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l124 level1 lfo51; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">(1)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Write Off</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
: <i>customer</i> memiliki kredit macet yang
tidak dapat ditagih.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 106.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l124 level1 lfo51; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">(2)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Repossess</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">:
pada pinjaman sebelumnya, <i>customer</i>
pernah ditarik asetnya.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 106.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l124 level1 lfo51; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">(3)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Overdue DPD</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
> n: pembayaran yang melampaui batas waktu jatuh tempo.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 106.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l124 level1 lfo51; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">(4)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Warning List</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">:
daftar peringatan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 106.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l124 level1 lfo51; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">(5)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Reject</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">:
nama <i>customer</i> sebelumnya pernah
ditolak dikarenakan alasan-alasan tertentu.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 106.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l124 level1 lfo51; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">(6)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Cancel</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">:
pembatalan sebuah aplikasi berdasarkan keputusan dari <i>customer</i> atau <i>multifinance</i><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 106.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l124 level1 lfo51; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">(7)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">PDC</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
<i>Bounce:</i> Nama <i>customer</i> pernah tercatat gagal melakukan pembayaran karena
pembayaran ditolak atau cek ditolak.<o:p></o:p></span></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l90 level1 lfo52; text-align: justify; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]-->b)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->External<o:p></o:p></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 106.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l119 level1 lfo53; text-align: justify; text-indent: -21.3pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">(1)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Group / <i>Holding List</i> : list dari group<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 106.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l119 level1 lfo53; text-align: justify; text-indent: -21.3pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">(2)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">BI List : list dari
Bank Indonesia<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 106.35pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l119 level1 lfo53; text-align: justify; text-indent: -21.3pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">(3)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Other Source : Sumber
lainnya</span><span style="font-family: "times new roman" , serif; font-size: 12pt;"> </span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l63 level1 lfo34; text-align: justify; text-indent: -17.85pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Credit Scoring</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penilaian yang
diberikan kepada <i>customer</i> berdasarkan
kategori masing-masing <i>multifinance</i>.
Seperti tempat tinggal <i>customer</i> (milik
sendiri atau punya orang lain), kendaraan yang dimiliki (miliki sendiri atau
punya orang lain), jabatan <i>customer, </i>dan
sebagainya.<o:p></o:p></span></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l63 level1 lfo34; text-align: justify; text-indent: -17.85pt; vertical-align: baseline;">
<!--[if !supportLists]-->3)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Passing</i> <i>Grade</i><o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; vertical-align: baseline;">
Dalam penilaian <i>customer</i> ini setiap <i>multifinance</i>
mempunyai <i>standard</i> <i>passing</i> <i>grade</i> apakah <i>customer</i>
akan diloloskan ataupun tidak. <i>Passing</i>
<i>grade</i> hanya sebagai acuan.<o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l63 level1 lfo34; text-align: justify; text-indent: -17.85pt; vertical-align: baseline;">
<!--[if !supportLists]-->4)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Guarantor</i><o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; vertical-align: baseline;">
Penjamin yang akan membayar hutang
debitur apabila tidak sanggup melunasi hutangnya.<o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l63 level1 lfo34; text-align: justify; text-indent: -17.85pt; vertical-align: baseline;">
<!--[if !supportLists]-->5)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Customer Duplication Checking</i><o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; vertical-align: baseline;">
Pengecekan apakah <i>customer</i> sedang mempunyai hutang di 1 <span lang="EN-US">(satu) </span><i>multifinance</i> yang sama dengan tempat pengajuan aplikasi.<o:p></o:p></div>
<div class="MsoBodyText" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; mso-list: l9 level1 lfo33; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]-->c.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Schedule<o:p></o:p></i></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l14 level1 lfo54; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Step Up or Step Down</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Apakah <i>customer</i> ingin mempunyai cicilan yang
besarnya berubah dari waktu ke waktu selama periode pembiayaan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l14 level1 lfo54; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Balloon Payment</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Apakah <i>customer</i> ingin <i>system</i> dimana sebagian dari total pinjaaman akan dicicil dan
sisanya akan dilunasi sekaligus di akhir periode.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l14 level1 lfo54; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">3)<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Grace Periode</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Masa dimana waktu
toleransi diberikan kepada <i>customer</i>
setelah waktu jatuh tempo.<o:p></o:p></span></div>
<div class="MsoBodyTextCxSpFirst" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; mso-list: l9 level1 lfo33; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]-->d.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Plafond<o:p></o:p></i></div>
<div class="MsoBodyTextCxSpMiddle" style="line-height: 200%; margin-left: 42.55pt; mso-add-space: auto; text-align: justify;">
<span lang="EN-US">Nilai pinjaman maksimum
yang diberikan kepada <i>customer</i></span>. <span lang="EN-US">Pemberian <i>plafond</i> ini dipengaruhi beberapa hal
sesuai dengan kriteria <i>multifinance</i>
masing-masing.<o:p></o:p></span></div>
<div class="MsoBodyTextCxSpLast" style="line-height: 200%; margin-left: 63.8pt; mso-add-space: auto; mso-list: l43 level1 lfo55; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span lang="EN-US">1)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><i><span lang="EN-US">Personal</span></i><span lang="EN-US"> <i>Customer</i><o:p></o:p></span></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l118 level1 lfo56; text-align: justify; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]-->a)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Customer Relatives</i><o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; vertical-align: baseline;">
<i>Multifinance
</i>akan melihat apakah ada anggota keluarga yang juga masih terikat kontrak.<o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l118 level1 lfo56; text-align: justify; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]-->b)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Customer Level</i><o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; vertical-align: baseline;">
Jabatan <i>customer </i>dalam pekerjaan ataupun penghasilan mempengaruhi plafon.<o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l118 level1 lfo56; text-align: justify; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]-->c)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Agreement level</i><o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; vertical-align: baseline;">
Banyaknya tenor yang ingin diambil oleh
calon debitur yang menentukan keputusan pemberian dana atau plafon.<o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 63.8pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l43 level1 lfo55; text-align: justify; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]-->2)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Corporate Customer<o:p></o:p></i></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l22 level1 lfo57; text-align: justify; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]-->a)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Corporate</i> <i>Group</i> <i>Level</i><o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; vertical-align: baseline;">
Posisi grup perusahaan di <i>industry</i> apabila perusahaan tergabung
dalam sebuah grup<span lang="EN-US">.</span> </div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l22 level1 lfo57; text-align: justify; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]-->b)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Corporate</i> <i>Level</i><o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; vertical-align: baseline;">
Posisi perusahaan di grup apabila tergabung
dalam sebuah grup perusahaan<span lang="EN-US">.<o:p></o:p></span></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l22 level1 lfo57; text-align: justify; text-indent: -18.0pt; vertical-align: baseline;">
<!--[if !supportLists]-->c)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Agreement</i> <i>Level</i><o:p></o:p></div>
<div style="background: white; line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; vertical-align: baseline;">
Banyaknya tenor yang ingin diambil
oleh calon debitur yang menentukan keputusan pemberian dana atau plafon.<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Tahap Pengikatan<o:p></o:p></span></div>
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Adapun apabila pembiayaan telah
disetujui maka selanjutnya adalah terbentuk kontrak.<b> <o:p></o:p></b></div>
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<!--[if !supportLists]-->a.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Collateral<b><o:p></o:p></b></i></div>
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Jaminan yang mungkin bisa disita
apabila ternyata calon pelanggan benar-benar tidak bisa memenuhi kewajibannya.<b> </b>Mekanisme perputaran <i>collateral</i> untuk <i>consumer</i> <i>finance</i>
khususnya pembiayaan roda dua atau empat, yaitu :<b><o:p></o:p></b></div>
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<!--[if !supportLists]-->1)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Collateral</i> diterima dari dealer<span lang="EN-US">.</span><o:p></o:p></div>
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<!--[if !supportLists]-->2)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Collateral</i> dikirimkan ke atau diterima
dari Cabang atau HO<span lang="EN-US"> (Head
Office).</span><o:p></o:p></div>
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<!--[if !supportLists]-->3)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Collateral</i> disimpan atau dikeluarkan
dari <i>locker</i><i><span lang="EN-US">.</span></i><o:p></o:p></div>
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<!--[if !supportLists]-->4)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Collateral</i> dikirimkan ke atau diterima
dari Biro Jasa.<o:p></o:p></div>
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<!--[if !supportLists]-->5)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Collateral</i> dikirimkan ke atau diterima
dari Bank atau <i>Funding</i><i><span lang="EN-US">.</span></i><o:p></o:p></div>
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<!--[if !supportLists]-->6)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Customer</i> mengambil <i>collateral</i>.<o:p></o:p></div>
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Alternatif penyimpanan collateral
biasanya multifinance menitipkan ke Bank atau <i>Funding</i> untuk alasan keamanan.<o:p></o:p></div>
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<!--[if !supportLists]-->b.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->3<sup><span style="border: none windowtext 1.0pt; mso-border-alt: none windowtext 0cm; padding: 0cm;">rd</span></sup><span class="apple-converted-space"> </span>Party (<i>third party</i>)<o:p></o:p></div>
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Adalah pihak-pihak yang termasuk ke
dalam hulu hilir <i>collateral</i>, yaitu :<o:p></o:p></div>
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<!--[if !supportLists]-->1)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Dealer</i> atau <i>Supplier</i><o:p></o:p></div>
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<!--[if !supportLists]-->2)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Biro
Jasa (dalam hal ini juga Biro Jasa membantu dalam balik nama)<o:p></o:p></div>
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<!--[if !supportLists]-->3)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Funding</i>: sumber pembiayaan, biasanya
bank.<o:p></o:p></div>
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<!--[if !supportLists]--><i>4)<span style="font-size: 7pt; font-stretch: normal; font-style: normal; font-variant-numeric: normal; line-height: normal;">
</span></i><!--[endif]--><i>Customer<o:p></o:p></i></div>
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<!--[if !supportLists]-->c.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Fiducia<o:p></o:p></i></div>
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Proses lainnya yang harus dilakukan
oleh <i>multifinance</i> adalah pengesahan <i>Fiducia</i>. Biasanya dari <i>Multifinance</i> akan mencetak <i>fiducia</i> lalu dikirimkan ke notaris untuk
diproses, yang kemudian dikembalikan lagi ke<span lang="EN-US"> pihak</span><span lang="EN-US"> </span><i>Multifinance</i>.<i> Fiducia</i>
merupakan pengalihan hak kepemilikan suatu benda atas dasar kepercayaan dengan
ketentuan bahwa benda yang hak kepemilikannya dialihkan tetap dalam penguasaan
pemilik benda.<b> <span lang="EN-US"><o:p></o:p></span></b></div>
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Ada beberapa perubahan yang dapat
dilakukan di tengah jalan saat kontrak masih berlaku sesuai dengan kesepakatan
bersama, antara lain :<b><o:p></o:p></b></div>
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<!--[if !supportLists]-->a.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Restructure<o:p></o:p></i></div>
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<!--[if !supportLists]-->1)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Floating</i> <i>Rate</i> <i>Adjustment</i><o:p></o:p></div>
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Penyesuaian bunga pinjaman di tengah-tengah
kontrak berjalan.<o:p></o:p></div>
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<!--[if !supportLists]-->2)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Change</i> <i>Installment</i> <i>Due</i> <i>Date</i><o:p></o:p></div>
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Mengganti tanggal jatuh tempo
pembayaran pinjaman.<o:p></o:p></div>
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<!--[if !supportLists]-->3)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Partial</i> <i>Repayment</i><o:p></o:p></div>
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Pembayaran 1 kontrak dengan 2 PDC
ataupun sebaliknya.</div>
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<!--[if !supportLists]-->4)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Top</i> <i>Up</i><o:p></o:p></div>
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Meningkatkan jumlah plafon <i>maximal</i> yang dimiliki saat ini.<o:p></o:p></div>
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<!--[if !supportLists]-->5)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Lease</i> <i>Periode</i> <i>Adjustment</i><o:p></o:p></div>
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Mengganti lama periode cicilan atau
jumlah tenor cicilan.<o:p></o:p></div>
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<!--[if !supportLists]-->b.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Perubahan
Kontrak<o:p></o:p></div>
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<!--[if !supportLists]-->1)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Early</i> <i>Termination</i><o:p></o:p></div>
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Penyelesaian kontrak dengan waktu
yang lebih cepat dari waktu yang telah disepakati sebelumnya.<o:p></o:p></div>
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<!--[if !supportLists]-->2)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Refinancing</i> <i><span lang="EN-US">or</span></i><span lang="EN-US"> </span><i>Repeat</i> <i>Order</i><o:p></o:p></div>
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Proses melunasi pinjaman yang ada
dengan mengambil pinjaman baru dan menggunakan <i>property</i> yang sama sebagai jaminan. Strukur pinjaman lama diganti
untuk memperoleh suku bunga atau jumlah angsuran yang lebih kecil.<o:p></o:p></div>
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<!--[if !supportLists]-->3)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Funding</i> (sumber pembiayaan)<o:p></o:p></div>
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<!--[if !supportLists]-->4)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Over Contract</i><o:p></o:p></div>
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Memindahkan nama tanggung jawab
kontrak kepada orang lain sesuai kesepakatan dengan orang tersebut.<o:p></o:p></div>
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<!--[if !supportLists]-->5)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Write Off</i><o:p></o:p></div>
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Kontrak dianggap selesai dikarenakan
pinjaman atau kredit macet yang tidak dapat ditagih lagi.</div>
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<!--[if !supportLists]-->c.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Cara
Pembayaran<o:p></o:p></div>
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<!--[if !supportLists]-->1)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Auto</i>-<i>Allocation</i><o:p></o:p></div>
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Pembayaran pinjaman dengan <i>auto allocation</i> menurut bunga dan
pinjaman pokoknya. Contoh Alokasi :<o:p></o:p></div>
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<!--[if !supportLists]-->a)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Utamanya
dibayarkan ke <i>installment</i> baru
pembayaran <i>charge</i> lainnya dan apabila
ada lebih akan dijadikan <i>customer</i> <i>deposite</i>.<o:p></o:p></div>
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<!--[if !supportLists]-->b)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Utamanya
dibayarkan ke <i>installment</i>, lalu
dibayarkan ke <i>installment</i>
selanjutnya, jika ada lebih baru dibayarkan <i>charge</i>
lainnya.<o:p></o:p></div>
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<!--[if !supportLists]-->2)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Cash</i> atau <i>Bank</i> <i>Receive</i><o:p></o:p></div>
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Cara pembayaran dengan menyetor uang
ke Bank.<o:p></o:p></div>
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<!--[if !supportLists]-->3)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>PDC</i><o:p></o:p></div>
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Pembayaran dengan cek yang telah
ditentukan tanggal berlakunya.<o:p></o:p></div>
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<!--[if !supportLists]-->4)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Virtual</i> <i>Account</i><o:p></o:p></div>
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Pihak <i>multifinance</i> akan membuat <i>virtual</i>
<i>account</i> dimana seluruh <i>customer</i> akan membayar melalui <i>account</i> tersebut.<o:p></o:p></div>
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<!--[if !supportLists]-->5)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Payment</i> b<i>y</i> <i>Collector</i><o:p></o:p></div>
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Pembayaran dengan cara ditagih oleh
kolektor.<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Tahap <i>Collection</i><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%;">Pada masa kontrak
berjalan, <i>customer</i> diharuskan
membayar pinjamannya sesuai dengan kontrak yang ada. Berikut di bawah ini
adalah hal-hal yang akan dilakukan oleh <i>multifinance</i>
:</span></div>
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<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Daily</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> <i>Collection</i><o:p></o:p></span></div>
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<!--[if !supportLists]-->1)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Desk</i> <i>Collection</i><o:p></o:p></div>
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Petugas akan mengingatkan tanggal
jatuh tempo dari cicilan debitur dan dilakukan dengan media telepon.<o:p></o:p></div>
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<!--[if !supportLists]-->2)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Daily</i> <i>Collection</i> <i>Report</i> (DCR)<o:p></o:p></div>
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Daftar kunjungan yang dikumpulkan dan
diberikan ke petugas untuk mendatangi <i>customer</i>
untuk mengingatkan<span lang="EN-US"> atau </span>menagih
pinjaman, atau sekedar mengecek kembali situasi customer. Biasa disebut juga
dengan laporan kunjungan harian. <i><span lang="EN-US">Daily Collection Report</span></i><span lang="EN-US"> juga biasa dikenal dengan <i>Field Collector.</i><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: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Advanced</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> <i>Collection</i><o:p></o:p></span></div>
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<!--[if !supportLists]-->1)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Remedial</i><o:p></o:p></div>
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<i>Collector</i>
akan eksekusi <i>object</i> Jaminan Fidusia
dengan cara mengambil barang jaminan debitur. Penanganan ini lebih menekankan
pada penarikan unit tapi tidak menutup kemungkinan menerima angsuran jika
konsumen ternyata bisa melakukan pembayaran angsuran.<o:p></o:p></div>
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<!--[if !supportLists]-->2)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->SP
& SKT<o:p></o:p></div>
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<i>Customer</i>
dengan catatan telat pembayaran akan diberikan Surat Peringatan (SP) yang biasa
sampai dengan SP3. Setelah itu akan dikeluarkan Surat Kuasa Tarik (SKT).</div>
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<!--[if !supportLists]-->3)<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]--><i>Repossess</i> <i>Asset</i><o:p></o:p></div>
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Proses pengambilan atau penarikan
asset yang diajukan debitur pada saat penunggakan pembayaran cicilan dalam
jangka waktu yang telah ditentukan. Aset tersebut akan dimasukkan <i>inventory</i> <i>multifinance</i>.<o:p></o:p></div>
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<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.4.7.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kredit Bermasalah</span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
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Berbagai kemungkinan yang
perlu diperhatikan, agar kredit macet pada <i>multifinance</i>
tidak terjadi, yaitu :<o:p></o:p></div>
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<!--[if !supportLists]-->1.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Konsumen kurang memahami produk dan belum memahami
transaksi pembiayaan konsumen dengan benar.<o:p></o:p></div>
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<!--[if !supportLists]-->2.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Perusahaan <i>multifinance
</i>kurang atau tidak detail dalam memberikan layanan informasi produk dan
pendukung lainnya seperti asuransi, keterlambatan pemabayaran, <span lang="EN-US">dan lain-lain</span>. Sehingga
ketidaktahuan konsumen terkadang membawa dampak negatif pada kedua pihak.<o:p></o:p></div>
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<!--[if !supportLists]-->3.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Lemahnya penerapan prinsip mengenal calon nasabah
dan budaya perusahaan, yang mengakibatkan pemberiaan data fiktif atau
penyalahgunaan wewenang.<o:p></o:p></div>
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<!--[if !supportLists]-->4.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Dalam pemberian kredit tidak dilakukan metode
analisis yang komprehensif, analisis kredit pada konsumen tidak<span lang="EN-US"> atau </span>kurang komprehensif
dan hal ini apabila mengakibatkan macet, maka akan melibatkan perbankan. NPL (<i>Non Performing Loan) </i>yang semakin besar
cenderung akan mengganggu kinerja perusahaan dan pihak perbankan, kerena
perusahaan <i>multifinance </i> pasti memperoleh dukungan pinjaman dari
perbankan.<o:p></o:p></div>
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<!--[if !supportLists]-->5.<span style="font-size: 7pt; font-stretch: normal; font-variant-numeric: normal; line-height: normal;"> </span><!--[endif]-->Adanya konflik antara pihak perbankan dengan <i>multifinance</i>, dapat memicu terjadinya
kredit macet. <o:p></o:p></div>
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<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.4.8.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penyelesaian Masalah dalam Kredit Bermasalah</span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 200%;"><o:p></o:p></span></b></div>
<div class="MsoBodyText" style="line-height: 200%; text-align: justify; text-indent: 42.55pt;">
Pada saat kredit yang dilakukan oleh <i>customer</i> mengalami kredit yang
bermasalah, ada beberapa penyelesaian dapat dilakukan oleh perusahaan <i>multifinance</i>, yaitu :<span lang="EN-US"><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: 200%;">1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jalur Litigasi<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%;">Jalur ini
ditempuh apabila jalur non-litigasi tidak dapat dilakukan. Penyelesaian kredit
bermasalah di pengadilan tercantum dalam klausul perjanjian yang telah
disepakati oleh kedua pihak. <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%;">Konsumen yang
tidak puas akan penyelesaian kredit yang dilakukan oleh perusahaan </span><i><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">multifinance</span></i><i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">,</span></i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
konsumen dapat menggugat perusahaan </span><i><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">multifinance</span></i><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">ke pengadilan jika merasa dirugikan atas cara yang
digunakan oleh perusahaan <i>multifinance </i>untuk
menyelesaikan kreditnya. Penyelesaian masalah ditempuh melalui jalur hukum
yaitu dengan mengajukan gugatan ke pengadilan. <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%;">Berikut ini </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">jalur
litigasi dapat ditempuh menurut Iswi Haryani dalam Pertiwi Srijayanti Patanden
(2012:66) dengan cara, antara<span style="letter-spacing: -.3pt;"> </span>lain:</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penyerahan kredit bermasalah kepada Kantor Pelayanan Kekayaan
dan Lelang Negara<span style="letter-spacing: -.7pt;"> </span>(KPKLN)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l102 level2 lfo43; mso-pagination: none; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;"> </span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Proses gugatan perdata lewat Pengadilan Negeri atau
Pengadilan<span style="letter-spacing: -1.2pt;"> </span>Niaga<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: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penyelesaian melalui
Badan Arbitrase (perwasitan) atau Badan Alternatif Penyelesaian<span style="letter-spacing: -.3pt;"> </span>Sengketa.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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: 200%;">2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Jalur
Non-litigasi<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%;">Penyelesaian
kredit bermasalah ditempuh di luar jalur hukum seperti negosiasi, mediasi,
konsultasi, penilaian atau meminta pendapat ahli, evaluasi netral dini (<i>early neutral evaluation</i>),
pencarian fakta netral (<i>neutral fact
finding</i>). Yang banyak dilakukan perusahaan untuk menyelesaikan masalah
adalah negoisasi dan musyawarah yaitu perusahaan pembiayaan selalu berusaha
untuk menyelesaikan kredit bermasalah dengan cara persuasif yaitu melakukan
pendekatan kepada konsumen untuk membayar angsuran atau menyelesaikan kreditnya
dengan perusahaan pembiayaan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Berikut ini
proses non-litigasi menurut </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Iswi Haryani dalam Pertiwi
Srijayanti Patanden (2012:61), </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">adalah :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 6.3pt; margin-top: 0cm; mso-add-space: auto; mso-list: l53 level1 lfo42; mso-pagination: none; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Negosiasi, yaitu upaya penyelesaian
sengketa tanpa melalui proses peradilan dengan tujuan mencapai kesepakatan
bersama atas dasar kerjasama yang lebih harmonis dan<span style="letter-spacing: -.2pt;"> </span>kreatif.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 6.3pt; margin-top: 0cm; mso-add-space: auto; mso-list: l53 level1 lfo42; mso-pagination: none; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">b.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Mediasi, yaitu suatu proses dimana pihak
luar yang tidak memihak dan netral bekerja dengan pihak yang bersengketa untuk
membantu mereka memperoleh kesepakatan perjanjian yang<span style="letter-spacing: .05pt;"> </span>memuaskan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 6.3pt; margin-top: 0cm; mso-add-space: auto; mso-list: l53 level1 lfo42; mso-pagination: none; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">c.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Arbitrase, yaitu metode penyele</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">s</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">aian sengketa diluar pengadilan deng</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">a</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">n memakai jasa wasit atas
persetujuan para pihak yang bersengketa dan keputusan wasit mempunyai kekuatan
hukum yang<span style="letter-spacing: -.7pt;"> </span>mengikat.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 6.3pt; margin-top: 0cm; mso-add-space: auto; mso-list: l53 level1 lfo42; mso-pagination: none; text-align: justify; text-indent: -18.0pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">d.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penagihan, yaitu dengan menggunakan jasa
penagih utang swasta (<i>debt collector</i>).<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 6.3pt; margin-top: 0cm; mso-add-space: auto; mso-pagination: none; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 6.3pt; margin-top: 0cm; mso-add-space: auto; mso-pagination: none; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 6.3pt; margin-top: 0cm; mso-add-space: auto; mso-pagination: none; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l115 level1 lfo5; text-align: justify; text-indent: -36.0pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.5.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">PENELITIAN TERDAHULU<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 35.45pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Terdapat tiga penelitian terdahulu yang dijadikan
sebagai bahan acuan dalam penelitian ini, sebagai berikut :<o:p></o:p></span></div>
<div align="center" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Tabel II.1<o:p></o:p></span></b></div>
<div align="center" class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Rekapitulasi Penelitian </span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Terdahulu<o:p></o:p></span></b></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1184; width: 100%px;">
<tbody>
<tr style="height: 1.0pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 7.08%;" width="7%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">No<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 15.48%;" width="15%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">Nama<o:p></o:p></span></b></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">(Tahun)<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 22.08%;" width="22%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">Judul<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 17.88%;" width="17%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">Hasil
Penelitian<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 37.48%;" width="37%"><div align="center" class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">Keterangan<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 1;">
<td rowspan="6" style="border-top: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 7.08%;" valign="top" width="7%"><div align="center" class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">1<o:p></o:p></span></div>
</td>
<td rowspan="6" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 15.48%;" valign="top" width="15%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Ika
Caya Putri<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">(2010)<o:p></o:p></span></div>
</td>
<td rowspan="6" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 22.08%;" valign="top" width="22%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Pengaruh
Penerapan Manajemen Risiko Perbankan dan Penerapan Audit Internal Terhadap
Kebijakan Pemberian Kredit<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; height: 1.0pt; 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: 17.88%;" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Jenis
Penelitian<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; height: 1.0pt; 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: 37.48%;" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kuantitatif
(korelasi)<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 2;">
<td rowspan="2" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" valign="top" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Variabel
Independen<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; height: 1.0pt; 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: 37.48%;" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Manajemen
Risiko<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 3;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 37.48%;" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Audit
Internal<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 4;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Variabel
Dependen<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; height: 1.0pt; 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: 37.48%;" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kredit<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 5;">
<td rowspan="2" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kesimpulan<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; height: 1.0pt; 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: 37.48%;" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Manajemen
risiko memiliki pengaruh positif terhadap pemberian kredit<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 6;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 37.48%;" valign="top" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Audit
internal memiliki pengaruh negatif terhadap pemberian kredit<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 7;">
<td rowspan="10" style="border-top: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 7.08%;" valign="top" width="7%"><div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">2<o:p></o:p></span></div>
</td>
<td rowspan="10" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 15.48%;" valign="top" width="15%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">A’
Yunur Rochimah<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">(2014)<o:p></o:p></span></div>
</td>
<td rowspan="10" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 22.08%;" valign="top" width="22%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Penerapan Manajemen Risiko (Risk
Management) untuk Meminimalkan Kredit Bermasalah pada Bank Jatim Cabang
Bondowoso</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"><o:p></o:p></span></div>
</td>
<td rowspan="2" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" valign="top" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Jenis
Penelitian<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; height: 1.0pt; 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: 37.48%;" valign="top" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kualitatif
(<i>purposive sampling</i>)<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 8;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 37.48%;" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kuantitatif
(korelasi)<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 9;">
<td rowspan="6" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" valign="top" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Variabel
Independen<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; height: 1.0pt; 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: 37.48%;" valign="top" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Tingkat
Suku Bunga<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 10;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 37.48%;" valign="top" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kolektabilitas<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 11;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 37.48%;" valign="top" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Prosedur
Pembiayaan Kredit<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 12;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 37.48%;" valign="top" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Karakter
Nasabah<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 13;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 37.48%;" valign="top" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Usaha
Nasabah<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 14;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 37.48%;" valign="top" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Jaminan<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 15;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" valign="top" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Variabel
Dependen<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; height: 1.0pt; 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: 37.48%;" valign="top" width="37%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kredit
Bermasalah<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 16; mso-yfti-lastrow: yes;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" valign="top" width="17%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kesimpulan<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; height: 1.0pt; 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: 37.48%;" valign="top" width="37%"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-hyphenate: auto; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Implementasi
manajemen risiko pada</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"> </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Bank Jatim Cabang Bondowoso terbilang
cukup baik dan sesuai dengan kebijakan</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"> </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">dan aturan yang
berlaku, hasil uji Z dimana 3 variabel (intern) penyebab kredit</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"> </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">bermasalah
(tingkat suku bunga, kolektibilitas, dan prosedur pemberian kredit) <o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div align="right" class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: right;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Tabel ini berlanjut kehalaman berikut :<o:p></o:p></span></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center; text-indent: 35.45pt;">
<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Tabel
II.1 (Lanjutan)<o:p></o:p></span></b></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center; text-indent: 35.45pt;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1184; width: 100%px;">
<tbody>
<tr style="height: 1.0pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 6.14%;" width="6%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">No<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 13.48%;" width="13%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">Nama
(Tahun)<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 19.68%;" width="19%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">Judul<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 17.88%;" width="17%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">Hasil
Penelitian<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 42.82%;" width="42%"><div align="center" class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">Keterangan<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 6.14%;" width="6%"><div align="center" class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 13.48%;" width="13%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 19.68%;" width="19%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" width="17%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 42.82%;" width="42%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">merupakan variabel yang tidak
signifikan terhadap penyebab kredit bermasalah.</span><b><span style="font-family: "times new roman" , "serif";"><o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 2;">
<td rowspan="11" style="border-top: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 6.14%;" valign="top" width="6%"><div align="center" class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">2<o:p></o:p></span></div>
</td>
<td rowspan="11" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 13.48%;" valign="top" width="13%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">A’
Yunur Rochimah<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">(2014)<o:p></o:p></span></div>
</td>
<td rowspan="11" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 19.68%;" valign="top" width="19%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Penerapan Manajemen Risiko (Risk
Management) untuk Meminimal<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">kan Kredit Bermasalah pada Bank Jatim
Cabang Bondowoso</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"><o:p></o:p></span></div>
</td>
<td rowspan="2" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" valign="top" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Jenis
Penelitian<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; height: 1.0pt; 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: 42.82%;" valign="top" width="42%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kualitatif
(<i>purposive sampling</i>)<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 3;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 42.82%;" valign="top" width="42%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kuantitatif
(korelasi)<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 4;">
<td rowspan="6" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" valign="top" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Variabel
Independen<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; height: 1.0pt; 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: 42.82%;" valign="top" width="42%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Tingkat
Suku Bunga<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 5;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 42.82%;" valign="top" width="42%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kolektabilitas<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 6;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 42.82%;" valign="top" width="42%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Prosedur
Pembiayaan Kredit<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 7;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 42.82%;" valign="top" width="42%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Karakter
Nasabah<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 8;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 42.82%;" valign="top" width="42%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Usaha
Nasabah<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 9;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 42.82%;" valign="top" width="42%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Jaminan<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 10;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" valign="top" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Variabel
Dependen<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; height: 1.0pt; 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: 42.82%;" valign="top" width="42%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kredit
Bermasalah<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 11;">
<td rowspan="2" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" valign="top" width="17%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kesimpulan<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; height: 1.0pt; 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: 42.82%;" valign="top" width="42%"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-hyphenate: auto; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Implementasi
manajemen risiko pada</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"> </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Bank Jatim Cabang Bondowoso terbilang
cukup baik dan sesuai dengan kebijakan<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-hyphenate: auto; mso-layout-grid-align: none; text-autospace: none;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">dan aturan yang
berlaku, hasil uji Z dimana 3 variabel (intern) penyebab kredit</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"> </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">bermasalah
(tingkat suku bunga, kolektibilitas, dan prosedur pemberian kredit) merupakan
variabel yang tidak signifikan terhadap penyebab kredit bermasalah.<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 12; mso-yfti-lastrow: yes;">
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 42.82%;" valign="top" width="42%"><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-hyphenate: auto; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Terdapat enam variable
independen yang digunakan untuk mengetahui pengaruh terhadap variable
dependen [kredit bermasalah (Y)], variabel independen tersebut antara lain:<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-hyphenate: auto; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">tingkat suku bunga (X1),
kolektibilitas (X2), prosedur pembiayaan kredit (X3),<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-hyphenate: auto; mso-layout-grid-align: none; text-autospace: none;">
<span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">karakter nasabah (X4),
usaha nasabah (X5) dan jaminan (X6). </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"><o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div align="right" class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: right; text-indent: 35.45pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Tabel ini berlanjut kehalaman berikut :<o:p></o:p></span></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<br /></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<br /></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<br /></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Tabel II.1
(Lanjutan)</span></b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"><o:p></o:p></span></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center; text-indent: 35.45pt;">
<br /></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-table-layout-alt: fixed; mso-yfti-tbllook: 1184; width: 100%px;">
<tbody>
<tr style="height: 1.0pt; mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 6.74%;" width="6%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">No<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 14.26%;" width="14%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">Nama
(Tahun)<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 21.84%;" width="21%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">Judul<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 17.88%;" width="17%"><div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">Hasil
Penelitian<o:p></o:p></span></b></div>
</td>
<td style="border-left: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 39.26%;" width="39%"><div align="center" class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif";">Keterangan<o:p></o:p></span></b></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 1;">
<td style="border-top: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 6.74%;" valign="top" width="6%"><div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 14.26%;" valign="top" width="14%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 21.84%;" valign="top" width="21%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 39.26%;" width="39%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Faktor-faktor penyebab terjadinya
kredit bermasalah pada Bank Jatim Cabang Bondowoso terdiri dari karakter
nasabah (X4), usaha nasabah (X5) dan</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"> </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">jaminan (X6). Namun
yang paling dominan adalah karakter nasabah (X4).</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"><o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 2;">
<td rowspan="4" style="border-top: none; border: solid windowtext 1.0pt; height: 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; padding: 0cm 5.4pt 0cm 5.4pt; width: 6.74%;" valign="top" width="6%"><div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">3<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<br /></div>
</td>
<td rowspan="4" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 14.26%;" valign="top" width="14%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Akbar Pribowo<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">(2007)<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<br /></div>
</td>
<td rowspan="4" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 21.84%;" valign="top" width="21%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Peranan Audit Internal di Dalam
Menunjang Efektivitas Pengendalian Internal Kredit Investasi (Studi Kasus
Pada PT. BNI 46 (Persero) Cabang Asia-Afrika-Bandung)</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<br /></div>
</td>
<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Jenis
Penelitian<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; height: 1.0pt; 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: 39.26%;" width="39%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kuantitatif
(Kuesioner)<o:p></o:p></span></div>
</td>
</tr>
<tr style="height: 1.0pt; mso-yfti-irow: 3;">
<td rowspan="2" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Variabel
Independen<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Variabel
Dependen<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; height: 1.0pt; 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: 39.26%;" width="39%"><div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Audit
Internal<o:p></o:p></span></div>
</td>
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<tr style="height: 1.0pt; mso-yfti-irow: 4;">
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<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Pengendalian
Internal Kredit Investasi<o:p></o:p></span></div>
</td>
</tr>
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<td style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 1.0pt; 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: 17.88%;" valign="top" width="17%"><div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Kesimpulan<o:p></o:p></span></div>
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<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Hasil
analisis menunjukkan kefektivitasannya sebesar 77,42 % dan 76,77% sehingga
peranan audit internal dalam menunjang efektivitas pengendalian internal
kredit investasi telah berperan sebesar 82% maka hipotesis yang dikemukakan
sebelumnya dilaksanakan dengan memadai. Kekurangannya adalah masih perlu
pembinaan terhadap objek yang diaudit khususnya bagian yang berkaitan dengan
pengelolaan kredit investasi tentang pentingnya pemeriksaan yang dilakukan
oleh SKAI, sehingga dapat membantu di dalam proses audit.<o:p></o:p></span></div>
</td>
</tr>
</tbody></table>
<div align="center" class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; tab-stops: 319.95pt; text-align: center;">
<i><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Sumber : Diolah
dari Berbagai Sumber (2016)<o:p></o:p></span></i></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 35.45pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Berdasarkan data dari hasil penelitian terdahulu
pada halaman sebelumnya, disini terdapat beberapa perbedaan dan persamaan dari
ketiga peneliti sebelumnya yang berkaitan dengan judul penelitian yang penulis
ambil saat ini. Pertama, penelitian terdahulu yang dilakukan oleh Ika Caya
Putri (2010) dengan tujuan penilitiannya untuk mengetahui signifikasi penerapan
manajemen risiko dan audit internal dalam kebijakan pemberian kredit. Terdapat
persamaan dari penelitian yang dilakukan penulis, yaitu Peranan audit internal
dan manajemen risiko untuk efektivitas pengelolaan kredit. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 35.45pt;">
<a href="https://www.blogger.com/blogger.g?blogID=4242063908701094250" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=4242063908701094250" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=4242063908701094250" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Disamping itu juga terdapat perbedaan dari
penelitian yang dilakukan penulis, yaitu Kredit yang di analisis adalah kredit
pinjaman dana tunai (kredit loan) untuk modal usaha nasabah, sedangkan untuk
penilitian yang dilakukan penulis saat ini terfokus untuk pengkreditan barang
elektronik dengan proses pengajuan yang berbeda.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 35.45pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kedua, penelitian terdahulu yang dilakukan oleh
A’Yunur Rochimah (2014) dengan tujuan penelitiannya untuk mengetahui </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">m</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">enggambarkan
implementasi atau penerapan manajemen risiko Bank Jatim Cabang Bondowoso dalam
meminimalkan kredit bermasalah serta mengetahui pengaruh faktor-faktor yang
menyebabkan terjadinya kredit bermasalah pada Bank Jatim Cabang Bondowoso. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 35.45pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Terdapat
persamaan pada fokus pembahasannya dalam bidang kredit bermasalah dan metode
pengukurannya juga memiliki persamaan yaitu dengan menggunakan data kuantitatif
(kuesioner), hanya saja dalam penelitiannya dikombinasikan dengan data
kualitatif. Sedangkan untuk variabel independen yang dijadikan pengukuran hanya
fokus pada sisi manajemen risiko saja, tidak termasuk dengan peranan dari pihak
audit internal.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 35.45pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Ketiga, penelitian terdahulu yang dilakukan oleh
Akbar Pribowo (2007) yang tujuan penelitiannya adalah untuk memperoleh gambaran
tentang efektivitas audit internal, efekti</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">v</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">itas pengendalian internal kredit investasi dan
bagaimana peranan audit internal di dalam menunjang efektivitas pengendalian
internal kredit investasi. Terdapat persamaan dalam pengumpulan datanya yaitu
dengan cara kuantatif (kuesioner), dengan variabel independen yang sama yaitu
audit internal dan variabel dependen yang sama pula yaitu kredit. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 35.45pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Hanya saja, terdapat sedikit perbedaan yaitu dari
variabel independennya hanya terfokus pada divisi audit internal saja tidak
dengan manajemen risiko dan kredit yang dijadikan penganalisaan hanya terfokus
untk kredit investasi saja, sedangkan penelitian yang dilakukan penulis adalah
terfokus untuk kredit barang-barang elektronik.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 35.45pt;">
<br /></div>
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<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.6.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">KERANGKA KONSEPTUAL<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Guna
memberikan gambaran secara komprehensif terhadap variabel yang menjadikan fokus
pembahasan, maka freamwork pada penelitian ini disajikan pada gambar di halaman
selanjutnya.<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%;"> </span><span style="font-family: "times new roman" , serif; font-size: 12pt; text-indent: 36pt;"> </span></div>
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<br /></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: center;">
<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Gambar II.1<o:p></o:p></span></b></div>
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<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Kerangka Konseptual</span></b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><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%;"><br /></span></b></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVUHc744co25h6RcfvMMK_Tx0QFmK1mA3ym_cyDuRNUuRkeOkMUFDmBaeApGCOKei7-AecXjwqp0Xj53mGon7L2ddhfYW5IHVIhrD8cS5KcwTaBV4b5u0TYLyYj6A4BffUqNJAbAC46BA/s1600/HIPOTESIS.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="233" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVUHc744co25h6RcfvMMK_Tx0QFmK1mA3ym_cyDuRNUuRkeOkMUFDmBaeApGCOKei7-AecXjwqp0Xj53mGon7L2ddhfYW5IHVIhrD8cS5KcwTaBV4b5u0TYLyYj6A4BffUqNJAbAC46BA/s640/HIPOTESIS.jpg" width="640" /></a></div>
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<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><br /></span></b></div>
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</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> </span><span style="font-family: "times new roman" , serif; font-size: 12pt; text-indent: 36pt;">Berdasarkan
rumusan masalah dan tujuan yang telah dijelaskan pada bab sebelumnya, maka
penelitian ini tergolong penelitian kausatif </span><i style="font-family: "Times New Roman", serif; font-size: 12pt; text-indent: 36pt;">(causative)</i><span style="font-family: "times new roman" , serif; font-size: 12pt; text-indent: 36pt;">. Penelitian ini
menguji hubungan antara variabel independen (X) dengan variabel dependen (Y).
Penelitian ini berusaha menjelaskan Peranan Audit Internal (X1) dan Manajemen
Risiko (X2) sebagai variabel independen terhadap Efektivitas Pengelolaan Kredit
pada PT. Home Credit Indonesia sebagai variabel dependen.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Peranan
audit internal sangat dibutuhkan dalam pemprosesan penerimaan kredit agar dapat
terlaksana dengan baik dan sesuai dengan peraturan pengajuan kredit yang sudah
ditentukan perusahaan, serta untuk menghindari terjadinya kredit bermasalah
atau kredit macet. Disamping itu perlunya pengawasan dari pihak manajemen dari
dalam maupun luar perusahaan untuk mencegah terjadinya kredit bermasalah
tersebut, kecurangan, penggelapan aset, sehingga dapat tercapainya target
perusahaan yang GCG (<i>going concern
governance</i>). <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dengan
demikian perusahaan menerapkan standarisasi dalam proses penerimaan pengajuan
data kredit dari <i>customer </i>sampai
dengan pengajuan kredit yang dapat diterima setelah melewati proses yang berlaku.
Efektivitas pengelolaan kredit dapat terwujud dengan baik dan mengurangi resiko
kredit macet atau kredit bermasalah yang akan berdampak kerugian bagi
perusahaan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l115 level1 lfo5; text-align: justify; text-indent: -36.0pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">2.7.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">HIPOTESIS<o:p></o:p></span></b></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%;">Sebagai jawaban
sementara (tentatif) berdasarkan latar belakang dan perumusan masalah yang
telah dikemukakan sebelumnya, maka hipotesis yang diajukan oleh penulis adalah
sebagai berikut:<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; tab-stops: 21.3pt 1.0cm; text-align: justify; text-indent: -1.0cm;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Ho<sub>1</sub> : Diduga</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">tidak </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">terdapat</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> pengaruh secara parsial dari peranan
audit internal terhadap efektivitas pengelolaan kredit pada perusahaan PT. Home
Credit Indonesia.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; tab-stops: 21.3pt 1.0cm; text-align: justify; text-indent: -1.0cm;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Ha<sub>1</sub> : Diduga</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> terdapat</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> pengaruh secara parsial dari peranan
audit internal terhadap efektivitas pengelolaan kredit pada perusahaan PT. Home
Credit Indonesia.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; tab-stops: 21.3pt 1.0cm; text-align: justify; text-indent: -1.0cm;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Ho<sub>2</sub> : Diduga tidak </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">terdapat</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> pengaruh secara parsial dari manajemen
risiko terhadap efektivitas pengelolaan kredit pada perusahaan PT. Home Credit
Indonesia.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; tab-stops: 21.3pt 1.0cm; text-align: justify; text-indent: -1.0cm;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Ha<sub>2</sub> : Diduga </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">terdapat</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> pengaruh secara parsial dari manajemen
risiko terhadap efektivitas pengelolaan kredit pada perusahaan PT. Home Credit
Indonesia.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; tab-stops: 21.3pt 1.0cm; text-align: justify; text-indent: -1.0cm;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Ho<sub>3</sub> : </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Diduga tidak terdapat pengaruh secara simultan dari peranan
audit internal dan manajemen risiko terhadap efektivitas pengelolaan kredit pada
perusahaan PT. Home Credit Indonesia.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; tab-stops: 21.3pt 1.0cm; text-align: justify; text-indent: -1.0cm;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Ha<sub>3</sub> : </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Diduga terdapat pengaruh secara simultan dari peranan audit
internal dan manajemen risiko terhadap efektivitas pengelolaan kredit pada
perusahaan PT. Home Credit Indonesia.<br clear="all" style="mso-special-character: line-break; page-break-before: always;" />
<o:p></o:p></span></div>
</div>
<b><span style="font-family: "times new roman" , "serif"; line-height: 200%;"><br clear="all" style="mso-break-type: section-break; page-break-before: always;" /></span></b>
<br />
<div style="text-align: center;">
<b><span style="font-family: "times new roman" , "serif"; line-height: 200%;"><a href="https://www.clixsense.com/?10489585" style="font-family: "Times New Roman"; font-weight: normal;" target="_blank"><img border="0" src="https://csstatic.com/banners/clixsense468x60g.png" /></a></span></b></div>
<b><span style="background-color: yellow; font-family: "times new roman" , serif; font-size: 14pt; line-height: 200%;"><br /></span></b>
<b><span style="background-color: yellow; font-size: 14pt; line-height: 200%;"><span style="color: red; font-family: "georgia" , "times new roman" , serif;">Sumber :</span></span></b><br />
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span style="font-size: 12.0pt; mso-ansi-language: IN;">A’ Yunur,
Rochimah. 2014. <i>Penerapan Manajemen
Risiko (Risk Management) untuk Meminimalkan Kredit Bermasalah pada Bank Jatim
Cabang Bondowoso. </i>Skripsi. Surabaya : UIN Sunan Ampel<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span style="font-size: 12.0pt; mso-ansi-language: IN;">Akbar Pribowo.
2007. <i>Peranan Audit Internal di Dalam
Menunjang Efektivitas Pengendalian Internal Kredit Investasi (Studi Kasus pada
PT. BNI 46 (Persero) Cabang Asia-Afrika-Bandung). </i>Skripsi. Bandung :
Universitas Widyatama.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span style="font-size: 12.0pt; mso-ansi-language: IN;">Dewi, </span><span lang="EN-US" style="font-size: 12.0pt;">Hanggraeni.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">2015.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><i><span lang="EN-US" style="font-size: 12.0pt;">Manajemen Risiko Perusahaan (Enterprise
Risk Management) dan Good Corporate Governance</span></i><span lang="EN-US" style="font-size: 12.0pt;">.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">Jakarta
: Universitas Indonesia</span><span style="font-size: 12.0pt; mso-ansi-language: IN;">.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span lang="EN-US" style="font-size: 12.0pt;">Frianto</span><span style="font-size: 12.0pt; mso-ansi-language: IN;">,</span><span lang="EN-US" style="font-size: 12.0pt;"> Pandia. 2012. <i>Manajemen Dana Dan Kesehatan Bank</i>. Jakarta</span><span style="font-size: 12.0pt; mso-ansi-language: IN;"> :</span><span lang="EN-US" style="font-size: 12.0pt;"> Rineka Cipta.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span lang="EN-US" style="font-size: 12.0pt;">Hery.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">2016.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><i><span lang="EN-US" style="font-size: 12.0pt;">Auditing dan Asurans</span></i><span lang="EN-US" style="font-size: 12.0pt;">.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">Jakarta
: Grasindo</span><span style="font-size: 12.0pt; mso-ansi-language: IN;">.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span lang="EN-US" style="font-size: 12.0pt;">Ika Caya</span><span style="font-size: 12.0pt; mso-ansi-language: IN;"> Putri</span><span lang="EN-US" style="font-size: 12.0pt;">.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">2010.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><i><span lang="EN-US" style="font-size: 12.0pt;">Pengaruh
Penerapan Manajemen Risiko Perbankan dan Penerapan Audit Internal terhadap
Kebijakan Pemberian Kredit</span></i><span lang="EN-US" style="font-size: 12.0pt;">.
</span><span style="font-size: 12.0pt; mso-ansi-language: IN;">Skripsi. </span><span lang="EN-US" style="font-size: 12.0pt;">Tangerang : UIN Syarif Hidayatullah</span><span style="font-size: 12.0pt; mso-ansi-language: IN;">.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span lang="EN-US" style="font-size: 12.0pt;">Indra.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">2014.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><i><span lang="EN-US" style="font-size: 12.0pt;">Tahapan Proses dalam
Multifinance</span></i><span lang="EN-US" style="font-size: 12.0pt;">.</span><span style="font-size: 12.0pt; mso-ansi-language: IN;"> Available Online at </span><span style="font-size: 12.0pt;"> <u><span lang="EN-US">Http://www.ilmupembiayaan.info/tahapan-proses-dalam-multifinance/</span></u></span><span style="font-size: 12.0pt; mso-ansi-language: IN;">. </span><span lang="EN-US" style="font-size: 12.0pt;">Diakses 9 Mei 2016</span><span style="font-size: 12.0pt; mso-ansi-language: IN;">.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span lang="EN-US" style="font-size: 12.0pt;">Kasmir. 2014. <i>Analisis Laporan Keuangan</i>. </span><span style="font-size: 12.0pt; mso-ansi-language: IN;">Edisi Satu. Cetakan Ketujuh. </span><span lang="EN-US" style="font-size: 12.0pt;">Jakarta : Raja Grafindo Persada.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span lang="EN-US" style="font-size: 12.0pt;">Messier, William F., Steven
M. Glover, dan Douglas F. Prawitt. 2014. <i>Jasa
Audit dan Assurance</i></span><i><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span></i><i><span lang="EN-US" style="font-size: 12.0pt;">:
Pendekatan Sistematis</span></i><span style="font-size: 12.0pt; mso-ansi-language: IN;">.</span><span lang="EN-US" style="font-size: 12.0pt;"> Buku 1, Edisi 8. Jakarta</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">: Salemba Empat.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span lang="EN-US" style="font-size: 12.0pt;">Peraturan Otoritas Jasa
Keuangan Nomor 1/POJK.05/2015 tentang Penerapan Manajemen Risiko Bagi Lembaga
Jasa Keuangan Non-Bank</span><span style="font-size: 12.0pt; mso-ansi-language: IN;">.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span lang="EN-US" style="font-size: 12.0pt;">Pertiwi</span><span style="font-size: 12.0pt; mso-ansi-language: IN;">,</span><span lang="EN-US" style="font-size: 12.0pt;"> Srijayanti P. 2012. <i>Pembiayaan Konsumen dalam Bentuk Pinjaman Tunai </i></span><i><span style="font-size: 12.0pt; mso-ansi-language: IN;">y</span></i><i><span lang="EN-US" style="font-size: 12.0pt;">ang Dilakukan oleh Perusahaan Pembiayaan</span></i><i><span style="font-size: 12.0pt; mso-ansi-language: IN;">.</span></i><span style="font-size: 12.0pt; mso-ansi-language: IN;"> Skripsi.
Makassar : Universitas Hasannudin<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span lang="EN-US" style="font-size: 12.0pt;">Sawyer, Lawrence B. 2012. <i>Internal Auditing</i>. Buku Satu. Edisi
Enam. Jakarta</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">: Salemba Empat.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span style="font-size: 12.0pt; mso-ansi-language: IN;">Setia, </span><span lang="EN-US" style="font-size: 12.0pt;">Mulyawan.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">2015.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">Manajemen
Risiko.</span><span lang="EN-US" style="font-size: 12.0pt; mso-ansi-language: IN;"> </span><span lang="EN-US" style="font-size: 12.0pt;">Bandung : Pustaka Setia</span><span style="font-size: 12.0pt; mso-ansi-language: IN;">.<o:p></o:p></span></div>
<div class="MsoNormal" style="margin-left: 42.55pt; text-align: justify; text-indent: -42.55pt;">
<span lang="EN-US" style="font-size: 12pt; text-indent: -42.55pt;">Sukrisno</span><span style="font-size: 12pt; text-indent: -42.55pt;">, Agoes</span><span lang="EN-US" style="font-size: 12pt; text-indent: -42.55pt;">.</span><span lang="EN-US" style="font-size: 12pt; text-indent: -42.55pt;"> </span><span lang="EN-US" style="font-size: 12pt; text-indent: -42.55pt;">2012.</span><span lang="EN-US" style="font-size: 12pt; text-indent: -42.55pt;"> </span><i style="text-indent: -42.55pt;"><span lang="EN-US" style="font-size: 12.0pt;">Auditing
Petunjuk Praktis Pemeriksaan Akuntan oleh Akuntan Publik</span></i><span lang="EN-US" style="font-size: 12pt; text-indent: -42.55pt;">.</span><span lang="EN-US" style="font-size: 12pt; text-indent: -42.55pt;"> </span><span lang="EN-US" style="font-size: 12pt; text-indent: -42.55pt;">Jilid
1.</span><span lang="EN-US" style="font-size: 12pt; text-indent: -42.55pt;"> </span><span lang="EN-US" style="font-size: 12pt; text-indent: -42.55pt;">Edisi Keempat.</span><span lang="EN-US" style="font-size: 12pt; text-indent: -42.55pt;"> </span><span lang="EN-US" style="font-size: 12pt; text-indent: -42.55pt;">Jakarta : Salemba Empat</span><span style="font-size: 12pt; text-indent: -42.55pt;">.</span></div>
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Thamrin Abdullah </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">dan
Francis Tantri.</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"> </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">2013</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">.</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"> <i><span lang="EN-US">Manajemen Pemasaran</span></i><span lang="EN-US">.</span></span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"> </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Cetakan
II.</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt;"> </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">Jakarta
: Raja Grafindo Persada</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt;">.</span><br />
<b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 200%;"><br /></span></b>
<br />
<blockquote class="tr_bq" style="text-align: center;">
<b><span style="font-family: "times new roman" , serif; line-height: 200%;"><span style="background-color: yellow; color: blue; font-size: x-large;">Untuk lengkap BAB III - V, bisa PM ya guys.. happy reading 😆😆😆</span></span></b> </blockquote>
<div style="text-align: center;">
<span style="color: red; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung</marquee> </b></span><br />
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<span style="color: red; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">don't forget to like and share 👌</marquee></b></span></div>
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<span style="background-color: #f9cb9c; font-size: x-large;"><span style="color: red;">::Artikel Lainnya:: </span></span></div>
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<span style="background-color: #f9cb9c; font-size: x-large;"><a href="http://hanaqyen12.blogspot.co.id/2017/01/cara-menggabungkan-dua-dokumen-word-di.html" target="_blank"><span style="color: #4c1130;">Menggabungkan 2 doc. kedalam 1 Ms. Word</span></a></span></div>
<br />hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com5tag:blogger.com,1999:blog-4242063908701094250.post-66486176622991073822016-12-18T16:08:00.000+07:002018-03-27T16:52:04.974+07:00BAB I (Skripsi : Peranan Audit Internal dan Manajemen Risiko terhadap Efektivitas Pengelolaan Kredit pada PT. Home Credit Indonesia)<div align="center" class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; page-break-before: always; text-align: center;">
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<b><span style="font-family: "times new roman" , "serif"; font-size: 14pt; line-height: 19.9733px;"><br /></span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 14pt; line-height: 19.9733px;">Created By : Hana Lidyana (1234.0310.75)</span></b><br />
<b><span style="font-family: "times new roman" , "serif"; font-size: 14pt; line-height: 19.9733px;">Fakultas Ekonomi - Jurusan Akuntansi</span></b><br />
<b><span style="font-family: "times new roman" , "serif"; font-size: 14pt; line-height: 19.9733px;">Universitas Krisnadwipayana</span></b><br />
<b><span style="font-family: "times new roman" , "serif"; font-size: 14pt; line-height: 19.9733px;">Jakarta</span></b><br />
<b><span style="font-family: "times new roman" , "serif"; font-size: 14pt; line-height: 19.9733px;">2017</span></b><br />
<b><span style="font-family: "times new roman" , "serif"; font-size: 14pt; line-height: 19.9733px;"><br /></span></b><b><span style="font-family: "times new roman" , "serif"; font-size: 14pt; line-height: 19.9733px;">---------------------------------------------------------------------------------------------------------</span></b><br />
<b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 200%;"><br /></span></b>
<b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 200%;">BAB I<o:p></o:p></span></b></div>
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<b><span style="font-family: "times new roman" , "serif"; font-size: 14.0pt; line-height: 200%;">PENDAHULUAN<o:p></o:p></span></b></div>
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<br /></div>
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<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">LATAR BELAKANG MASALAH<o:p></o:p></span></b></div>
<div class="MsoNormalCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Di
zaman yang sudah modern saat ini, sebagian besar masyarakat juga mulai meningkatkan
taraf hidupnya dengan salah satu caranya adalah membeli barang-barang mewah
agar terlihat lebih berkelas dengan orang yang ada di lingkungan sekitarnya.
Pada kenyataannya saat ini masyarakat Indonesia lebih mendominasikan kebutuhan
konsumtifnya dibandingkan kebutuhan primer ataupun sekundernya yang seharusnya
lebih diutamakan, hal ini dikarenakan faktor gengsi atau gaya hidup yang
semakin meningkat serta pengaruh faktor lingkungan saat ini. Salah satu
kebutuhan konsumtif yang saat ini sangat digemari adalah dengan membeli
barang-barang elektronik, <i>furniture</i>,
perlengkapan dapur, dan sebagainya. <o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Namun
untuk memenuhi kebutuhan konsumtif tersebut, terkadang kita harus mengeluarkan
dana yang cukup fantastis jika harus dikeluarkan dana secara tunai <i>(cash).</i> Beberapa diantara mereka, untuk
memenuhi kebutuhan konsumtifnya lebih memilih sistem cicilan (kredit) dengan
menggunakan salah satu fasilitas kredit yang diberikan dari Bank berupa kartu
kredit ataupun mengajukan pinjaman ke lembaga keuangan non bank seperti <i>leasing</i> atau <i>multifinance</i>. <o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">PT.
Home Credit Indonesia merupakan salah satu perusahaan baru dalam bentuk Lembaga
Keuangan Non Bank yang berfokus pada pembiayaan konsumen (<i>multifinance</i>). Perusahaan ini berdiri sejak tahun 2013 dan berpusat
di Jakarta dengan jumlah karyawan hingga saat ini kurang lebih 2300 orang. Penjualan
barang-barang konsumtif yang sudah dijelaskan sebelumnya, konsumen (<i>customer</i>) bisa mendapatkan barang-barang
tersebut secara kredit di toko-toko atau <i>merchandise</i>
yang bekerjasama dengan PT. Home Credit Indonesia (HCID). <o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Seiring
dengan perkembangan bisnis, PT. Home Credit Indonesia memperluas jaringan
bisnisnya ke beberapa daerah yang secara otomatis situasi lingkungan eksternal
dan internal perusahaan mengalami perkembangan yang pesat diikuti dengan
semakin kompleksnya risiko kegiatan usaha perusahaan, sehingga meningkatkan
kebutuhan praktek tata kelola perusahaan yang sehat (<i>good corporate governance</i>) dan penerapan manajemen risiko. <o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Salah
satu risiko yang muncul dalam perusahaan adalah risiko kredit, yang dampaknya
dapat mengakibatkan terjadinya kredit macet. Kredit macet terjadi jika kredit
yang diberikan oleh pihak perusahaan kepada pelanggan (<i>customer</i>) tidak dapat dilunasi tepat pada waktu yang ditentukan,
sehingga dapat mengurangi profitabilitas perusahaan. Tidak hanya itu saja,
pihak perusahaan (PT. HCID) juga sering menemukan kecurangan yang terjadi dari
pihak internal dan eksternal seperti pemberian data fiktif dari pelanggan,
manipulasi data dari pihak agen penjualan, dan lain-lain. <o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Salah
satu kasus yang terjadi di PT. HCID dari pihak luar (<i>customer</i>), terjadi pada tanggal 7 Juni 2015, Direktorat Reserse
Kriminal Umum Polda Metro Jaya mengungkapkan komplotan pelaku penipuan
berjumlah 6 (enam) orang, sudah melakukan aksi penipuannya dari tahun 2014
dengan menggunakan akta otentik palsu untuk mengajukan kredit pembelian
handphone berbagai merk di beberapa mall di Jakarta. Keenam tersangka melakukan
aksinya di beberapa lokasi terpisah dengan perannya masing-masing dan
mengajukan data palsu berupa KTP palsu, slip gaji palsu, dan uang DP</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> (<i>down payment)</i></span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">.
<o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Lalu
mereka membeli <i>handphone</i> berbagai
merk di toko telah bekerjasama dengan layanan jasa kredit dari PT. HCID yang
selanjutnya barang tersebut dijual kembali ke orang lain. Data fiktif tersebut
mengakibatkan gagal dalam penagihan baik melalui penelponan maupun kunjungan
langsung. Atas kejadian yang dilakukan oleh 6 (enam) orang komplotan tersebut,
pihak PT. Home Credit Indonesia mengalami total kerugian</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> sejumlah</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> Rp. 50.000.000. <o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Masih
ada juga kasus yang bersumber dari pihak dalam (karyawan PT. HCID) yang salah
satunya terjadi pada divisi penagihan (<i>collection</i>),
ini juga terjadi di tahun 2015. Dimana salah satu karyawan penagihan lapangan (<i>field collector</i>) yang tidak melakukan
penyetoran pembayaran angsuran dari <i>customer
</i>hingga pihak PT. Home Credit Indonesia juga harus mengalami kerugian atas
kejadian tersebut </span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">sejumlah</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">
Rp. 20.000.000. Kasus tersebut kini sudah dalam perkara pengadilan. Kredit
macet dalam jumlah besar inilah yang berpengaruh terhadap pertumbuhan
perusahaan, sebab keuntungan utama perusahaan diperoleh dari bunga pinjaman
atau kredit yang disalurkan. <o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Tingkat
persaingan antar perusahaan<i> multifinance</i>
dan risiko perkreditan yang tinggi tersebut menyebabkan pihak manajemen
perusahaan perlu menerapkan suatu pengendalian internal yang memadai untuk
melindungi harta milik perusahaan dengan meminimumkan kemungkinan terjadinya
penyelewengan, pemborosan, kemacetan kredit, serta meningkatkan efisiensi dan
efektivitas kinerja. Dengan demikian, segala bentuk kesalahan, kecurangan, dan
tindakan-tindakan lain yang dilakukan oleh pihak luar maupun pihak dalam
perusahaan yang dapat merugikan perusahaan dapat ditekan serendah mungkin.<o:p></o:p></span></div>
<div class="MsoNormalCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Berdasarkan
uraian di atas, maka peneliti tertarik untuk melakukan penelitian mengenai
apakah fungsi dari audit internal dan manajemen risiko yang sudah berjalan saat
ini sudah dijalankan dengan baik, dengan judul <b>“Peranan Audit Internal dan Manajemen Risiko Terhadap Efektivitas
Pengelolaan Kredit pada PT. Home Credit Indonesia”.<o:p></o:p></b></span></div>
<div class="MsoNormalCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -35.45pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">PEMBATASAN MASALAH<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dalam penelitian kali ini, penulis berfokus pada penerapan
audit internal selama masa 6 (enam) bulan belakangan ini dan penerapan
manajemen risiko perusahaan multifinance yaitu pada PT. Home Credit Indonesia
dimana menitikberatkan kepada risiko kredit yang muncul dalam efekti</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">v</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">itas
pengelolaan kredit perusahaan. </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Sedangkan untuk faktor lainnya tidak
dibahas secara ekslusif dalam penelitian ini.</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -35.45pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">RUMUSAN MASALAH<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Berdasarkan pada latar belakang masalah yang telah dikemukakan, perumusan
masalah yang akan dibahas dalam penelitian ini adalah :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo2; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.3.1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Apakah terdapat pengaruh signifikan
penerapan audit internal terhadap efekti</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">v</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">itas pengelolaan
kredit pada perusahaan PT. Home Credit Indonesia?<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo2; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.3.2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Apakah terdapat pengaruh siginifikan
manajemen risiko pembiayaan kredit terhadap efektivitas pengelolaan kredit pada
perusahaan PT. Home Credit Indonesia?<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo2; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.3.3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Apakah penerapan audit internal dan
manajemen risiko pembiayaan kredit berpengaruh secara simultan terhadap efektivitas
pengelolaan kredit pada perusahaan PT. Home Credit Indonesia?<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -35.45pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.4.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">TUJUAN PENELITIAN<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Dari pembahasan rumusan masalah yang </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">telah dikemukakan, maka tujuan yang ingin dicapai dalam penelitian ini
adalah :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo3; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.4.1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Untuk menganalisis signifikasi
pengaruh penerapan audit internal terhadap efekti</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">v</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">itas pengelolaan
kredit pada perusahaan PT. Home Credit Indonesia.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo3; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.4.2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Untuk menganalisis signifikasi
pengaruh penerapan manajemen risiko pembiayaan kredit terhadap efekti</span><span lang="EN-US" style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">v</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">itas pengelolaan
kredit di perusahaan PT. Home Credit Indonesia.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo3; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.4.3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Untuk menganalisis signifikasi
pengaruh secara bersama penerapan audit internal dan penerapan manajemen risiko
pembiayaan kredit terhadap efektivitas pengelolaan kredit di perusahaan PT. Home Credit Indonesia.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -35.45pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.5.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">MANFAAT PENELITIAN<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Berdasarkan pada tujuan penulisan yang telah dikemukakan, maka manfaat dari
penelitian ini adalah :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo4; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.5.1.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Bagi Penulis<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Hasil penelitian ini bermanfaat untuk
menambah pengetahuan, serta mengimplementasikan konsep dan teori dalam praktek
yang sebenarnya, khususnya mengenai konsep audit internal dan manajemen risiko
dalam pengelolaan </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">kredit</span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"> yang penulis peroleh selama mengikuti pendidikan di Fakultas Ekonomi
Universitas Krisnadwipayana.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo4; text-align: justify; text-indent: -42.55pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.5.2.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Bagi Pembaca<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penelitian ini dapat menambah wawasan
serta pengetahuan bagi pembaca dalam hal audit internal dan manajemen risiko, </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">ekeftivitas dalam pengelolaan kredit </span><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">perusahaan.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo4; text-align: justify; text-indent: -39.3pt;">
<!--[if !supportLists]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.5.3.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Bagi Perusahaan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Hasil penelitian
ini diharapkan bermanfaat sebagai informasi dan bahan masukan kepada pihak
perusahaan mengenai pengembangan lebih lanjut dalam efektivitas pengelolaan
kredit.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 42.55pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -35.45pt;">
<!--[if !supportLists]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">1.6.<span style="font-family: "times new roman"; font-size: 7pt; font-stretch: normal; font-weight: normal; line-height: normal;">
</span></span></b><!--[endif]--><b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">SISTEMATIKA PENULISAN<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 200%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Penelitian ini dibagi menjadi 5 (lima) bagian dengan
sistematika penulisan sebagai berikut:<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 2.0cm 106.35pt 4.0cm; text-align: justify;">
<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">BAB
I PENDAHULUAN<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 3.0cm 106.35pt 4.0cm; text-align: justify;">
<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pada
Bab ini merupakan bagian yang menjelaskan tentang latar belakang masalah,
pembatasan masalah, perumusan masalah, tujuan penelitian, manfaat penelitian,
dan sistematika penulisan.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 200%; margin-bottom: .0001pt; margin-bottom: 0cm; tab-stops: 3.0cm 106.35pt 4.0cm; text-align: justify;">
<br /></div>
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<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">BAB
II LANDASAN TEORI<o:p></o:p></span></b></div>
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<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Di
Bab ini merupakan bagian yang menjabarkan tentang tinjuan pustaka, penelitian
terdahulu, kerangka konseptual, dan hipotesis.<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%;">BAB
III METODOLOGI PENELITIAN<o:p></o:p></span></b></div>
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<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pada
Bab ini menguraikan tentang objek, lokasi penelitian dan waktu penelitian,
variabel dan pengukurannya, populasi dan sampel penelitian, metode pengumpulan data,
serta teknik analisis data.<b><o:p></o:p></b></span></div>
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<b><span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">BAB
IV ANALISIS DAN PEMBAHASAN<o:p></o:p></span></b></div>
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<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Bab
ini akan menjelaskan tentang gambaran umum dari objek penelitian yaitu PT. Home
Credit Indonesia, hasil penelitian yang telah dilakukan, analisa hasil
penelitian, dan pembahasan.<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%;">BAB
V KESIMPULAN DAN SARAN <o:p></o:p></span></b></div>
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<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;">Pada
Bab ini akan menjabarkan kesimpulan dan saran-saran dari hasil penelitian.<o:p></o:p></span><br />
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<span style="font-family: "times new roman" , "serif"; font-size: 12.0pt; line-height: 200%;"><b style="font-family: "Times New Roman"; font-size: medium;"><span style="font-family: "times new roman" , "serif"; line-height: 32px;"><a href="https://www.clixsense.com/?10489585" style="font-family: "Times New Roman"; font-weight: normal;" target="_blank"><img border="0" src="https://csstatic.com/banners/clixsense468x60g.png" /></a></span></b></span></div>
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<b><span style="font-family: "times new roman" , serif; line-height: 32px;"><span style="background-color: yellow; color: blue; font-size: x-large;">Untuk lengkap BAB III - V, bisa PM ya guys.. happy reading 😆😆😆</span></span></b> </blockquote>
</blockquote>
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<span style="color: red; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung</marquee> </b></span><br />
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<span style="color: red; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">don't forget to like and share 👌</marquee> </b></span></div>
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<span style="background-color: #f9cb9c; font-size: x-large;"><span style="color: red;">::Artikel Lainnya:: </span></span><br />
<span style="background-color: #f9cb9c; font-size: x-large;"><span style="color: red;"><br /></span></span>
<a href="http://hanaqyen12.blogspot.co.id/2016/12/bab-ii-skripsi-peranan-audit-internal.html" style="background-color: #f9cb9c; font-size: xx-large;" target="_blank">BAB II Skripsi Audit Internal</a><br />
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com4tag:blogger.com,1999:blog-4242063908701094250.post-64133750788848077202014-05-21T19:18:00.001+07:002017-01-15T16:36:40.878+07:00Make Up ?? ::T&T::<div style="background-color: white; color: #424242; font-family: "open sans"; line-height: 26.25px;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_e4YIy6WWPBO8mRu2JBzAtQAR-Qwc_6eSw7oUxnu2lfwyZCKKDOnOBFol0e53tJ-aNBywcLkFAMYbxw80tjHS0eHIsi-EE0cQLcIjVU-vjICCxlCXGbGd_5KGiDXxmlyQKF9wcNUyJyo/s1600/makeup.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_e4YIy6WWPBO8mRu2JBzAtQAR-Qwc_6eSw7oUxnu2lfwyZCKKDOnOBFol0e53tJ-aNBywcLkFAMYbxw80tjHS0eHIsi-EE0cQLcIjVU-vjICCxlCXGbGd_5KGiDXxmlyQKF9wcNUyJyo/s320/makeup.jpg" width="320" /></a></div>
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<span style="font-size: large;">Ladies, pernah merasa panik karena mengalami kesalahan kecil saat bermakeup? Kami juga pernah mengalaminya. Memakai maskara terburu-buru sehingga meninggalkan bekas menyeramkan di kelopak mata, tentunya sangat tidak menyenangkan. Dilansir dari <em>huffingpost.com,</em> berikut 3 trik ampun mengakali kesalahan tata rias Anda.</span></div>
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<b><span style="color: #990000; font-size: large;">1. Semprotkan <em style="font-weight: 400;">hairspray</em> ke bulu sikat sebelum menata alis mata</span></b></div>
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<span style="font-size: large;">Alis tercukur tidak rapi tentunya dapat ditolong dengan bantuan pensil alis. Semprotkan hairspray ke bulu sikat sebelum mengaplikasikan pensil alis atau membubuhkan bubuk <em>eyeshadow</em> di alis mata Anda. Sedikit <em>hairspray</em> akan membantu mengeluarkan pigmen pensil alis dan menjadikannya awet sepanjang hari</span></div>
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<span style="color: red; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung 😊</marquee></b></span></div>
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<b><span style="color: #990000; font-size: large;">2. Perbaiki lipstik patah menggunakan <em style="font-weight: 400;">blowdryer</em></span></b></div>
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<span style="font-size: large;">Sebelum Anda membuang lipstik merah kesayangan Anda yang patah, cobalah untuk memanaskan patahan lipstik menggunakan <em>blowdryer</em>. Lekatkan kembali pada bagian yang patah dan simpan di lemari es semalam. <em>Voila!</em> Lipstik Anda akan kembali baru.</span></div>
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<span style="color: red; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung 😊</marquee></b></span></div>
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<b><span style="color: #990000; font-size: large;">3. Akali <em style="font-weight: 400;">shimmer</em> berlebihan pada eyshadow Anda</span></b></div>
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<span style="font-size: large;">Aplikasikan tipis merata bedak t<em>ranscluent</em> sebelum memoles <em>eyeshadow</em> ber-g<em>litter</em> ke kelopak mata. Kemudian, gunakan kuas lembut untuk membuang <em>shimmer </em>yang berlebihan atau jatuh tidak beraturan di bagian bawah pipi.</span></div>
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<span style="font-size: large;">Nah, itu dia beberapa trik yang dapat digunakan untuk menyelamatkan makeup Anda, Ladies. </span></div>
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<span style="font-size: large;"><i>Selamat mempraktekkan.</i> (^_^)</span><br />
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<span style="font-size: large;"><b style="color: red;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung 😊</marquee></b></span></div>
<div style="text-align: center;">
<span style="font-size: large;"><b style="color: red;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">don't forget like and share 👌</marquee></b></span></div>
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<span style="color: #cc0000; font-size: large;"><br /></span></div>
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<span style="font-size: x-large;"><b><span style="color: #741b47;">::Artikel Lainnya::</span><a href="http://hanaqyen12.blogspot.co.id/2014/05/tidak-ada-motivasi-untuk-bekerja.html"><span style="color: #990000;">Unmotived the Job???</span></a></b></span></div>
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-42667879088025558502014-05-21T19:10:00.002+07:002017-01-16T09:26:14.748+07:00Jadilah Pusat Perhatian<div style="background-color: white; font-family: "open sans"; font-size: 15.5556px; line-height: 26.25px;">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNJA0bKw66Z8qTzTMwwohIcbx7Gwhln6iT83igydg27Ht6vsIcAxU9qAPuISV9bo-1_lGSDho0E6M9lvYxl-5Q_LtSo0lETUbdkKHhUMR9hv79xeNdXiFBUrLpKcjFdIxWvUFccxi14qo/s1600/pembicara-publik.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNJA0bKw66Z8qTzTMwwohIcbx7Gwhln6iT83igydg27Ht6vsIcAxU9qAPuISV9bo-1_lGSDho0E6M9lvYxl-5Q_LtSo0lETUbdkKHhUMR9hv79xeNdXiFBUrLpKcjFdIxWvUFccxi14qo/s1600/pembicara-publik.jpg" /></a></div>
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<b><span style="color: #cc0000;"><i>Jadi pusat perhatian ?? Gimana caranya yah ??? </i>😩</span></b></div>
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Dalam beberapa kesempatan, akan ada saat di mana Anda menginginkan pendapat Anda lebih didengar dan dianggap serius. Banyak orang memiliki kebiasaan buruk berbicara terlalu santai pada hal-hal yang merupakan perkara serius. Agar terdengar lebih profesional dan serius, ada beberapa hal yang harus Anda perhatikan saat berbicara. Berikut di antaranya, seperti dilansir <i>allwomenstalk.com</i>.</div>
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<b><span style="color: blue;">Berbicara dengan suara lebih dalam</span></b></div>
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Cobalah memberatkan suara Anda agar terdengar lebih dalam agar terdengar lebih dalam. Tahan emosi Anda saat berbicara karena emosi hanya akan membuat pendengar Anda merasa tidak nyaman.</div>
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<b><span style="color: blue;">Berbicara dengan jelas</span></b></div>
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Terlalu bersemangat membuat Anda berbicara terlalu cepat dan mengakibatkan apa yang Anda katakan menjadi tidak jelas. Aturlah tempo bicara anda dengan cara mengambil nafas dalam-dalam sebelum berbicara dan selalu ingat untuk berbicara dengan jelas dan lebih pelan dari biasanya.</div>
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<div style="text-align: center;">
<b style="color: red; font-size: large;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung 😊</marquee></b></div>
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<b><span style="color: blue;">Pilihan kata yang padat dan berisi</span></b></div>
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Hindari penggunaan kata-kata yang tidak perlu, buatlah setiap kata yang keluar dari mulut Anda sebagai kata penting sehingga pendengar tidak akan kehilangan fokusnya.</div>
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<b><span style="color: blue;">Jangan buat pertanyaan</span></b></div>
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Saat Anda berpendapat, hindari membuat seolah-olah pendapat Anda adalah pertanyaan. Berpendapatlah dengan kalimat pernyataan dengan percaya diri. Kalimat tanya membuat Anda terlihat tidak yakin pada pendapat Anda.</div>
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<div style="text-align: center;">
<b style="color: red; font-size: large;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung 😊</marquee></b></div>
</div>
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<b><span style="color: blue;">Jangan merendahkan</span></b></div>
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Merendahkan orang lain tidak akan membuat Anda terlihat tinggi dan profesional. Hal ini justru akan membuat orang-orang di sekitar Anda kehilangan respek terhadap Anda. Berbicaralah dengan lawan bicara anda dalam keadaan yang setara, pastikan mereka menghargai pendapat Anda, dan juga pastikan Anda menghargai pendapat mereka.</div>
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Semoga bermanfaat 😊</div>
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Sampai ketemu di artikel berikutnya bye-bye<br />
<br />
<div style="text-align: center;">
<b style="color: red; font-size: large;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung 😊</marquee></b></div>
<div style="text-align: center;">
<b style="color: red; font-size: large;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">don't forget like and share 👌</marquee></b></div>
</div>
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<b><span style="color: #e06666; font-size: large;"><a href="http://hanaqyen12.blogspot.com/2017/01/cara-membuat-tempat-jarum-pentul-genk.html" style="background-color: #fff2cc;">Membuat Tempat Jarum? Sulit? Mari kita coba . . .</a></span></b></div>
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com0tag:blogger.com,1999:blog-4242063908701094250.post-62476764532443041872014-05-21T19:03:00.002+07:002017-01-16T09:11:04.562+07:00Tidak Ada Motivasi Untuk Bekerja?<div style="background-color: white; color: #424242; font-family: "open sans"; line-height: 26.25px;">
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<span style="font-size: large;">Terbangun di pagi hari dan merasa sangat malas untuk 'move on' dari tempat tidur pasti pernah Anda alami. Bayangan akan kantor dan setumpuk pekerjaan yang menunggu membuat Anda tidak memiliki motivasi bahkan untuk beranjak ke kamar mandi. Di saat-saat seperti ini, Ada beberapa langkah yang dapat Anda lakukan untuk menyelamatkan hari Anda. Langkah-langkah mudah seperti dilansir <u><i>huffingtonpost.com</i></u> berikut ini dapat Anda gunakan saat tidak memiliki motivasi dan semangat untuk bekerja.</span></div>
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<span style="color: red; font-size: large;"><b><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung 😊</marquee></b></span></div>
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<b><span style="font-size: large;">Beri hadiah pada diri Anda</span></b></div>
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<span style="font-size: large;">Pikirkanlah hal menyenangkan yang dapat membuat Anda bersemangat, misalnya dengan membeli minuman favorit anda saat perjalanan ke kantor atau menonton film favorit Anda setelah bekerja. Berjanjilah pada diri sendiri bahwa Anda akan melakukannya hari ini. Ingatlah kegiatan-kegiatan ini akan jauh lebih baik dari pada membolos atau berpura-pura sakit dan tidak masuk kerja.</span></div>
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<b><span style="font-size: large;">Sugestikan kalimat penyemangat</span></b></div>
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<span style="font-size: large;">Ucapkan kalimat-kalimat penyemangat Anda berulang kali. Kalimat-kalimat ini dapat berupa kutipan dari buku, film favorit Anda, atau kalimat yang dibuat sendiri seperti "saya yang terbaik,""saya bisa melakukannya'" dan lain sebagainya.</span></div>
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<b><span style="font-size: large;">Selangkah demi selangkah</span></b></div>
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<span style="font-size: large;">Pertama-tama beranjaklah dari tempat tidur. Jangan pikirkan tentang pekerjaan Anda, namun tetaplah bergerak untuk melakukan rutinitas biasa seperti mandi dan sarapan. Dengan bergerak Anda akan menemukan semangat Anda kembali.</span></div>
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<b style="color: red; font-size: large;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung 😊</marquee></b></div>
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<b><span style="font-size: large;">Buatlah lebih mudah</span></b></div>
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<span style="font-size: large;">Pilihlah langkah termudah untuk pergi kerja seperti memilih taksi daripada bus. Coba untuk tidak memperhatikan to-do list Anda dan pergilah kerja dengan cara yang paling nyaman. mungkin dengan menggunakan baju favorit atau menelpon keluarga Anda.</span></div>
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<b><span style="font-size: large;">Kerjakan yang mudah</span></b></div>
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<span style="font-size: large;">Saat sedang mengalami krisis motivasi, kerjakanlah pekerjaan yang mudah dahulu. Ingatlah bahwa bekerja dengan cara ini lebih baik daripada membolos dan tidak produktif di rumah Anda.</span></div>
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<span style="font-size: large;">Selamat mencoba, semoga motivasi Anda segera menggelora kembali...</span></div>
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<div style="background-color: white; color: #424242; font-family: "open sans"; font-size: 15.5556px; text-align: center;">
<b style="color: red; font-size: large;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">terimakasih sudah berkunjung 😊</marquee></b></div>
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<b style="color: red; font-size: large;"><marquee align="center" direction="left" height="30" scrollamount="6" width="80%">don't forget to like and share 👌</marquee></b></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: x-large;"><b><a href="http://hanaqyen12.blogspot.co.id/2014/05/cara-berbicara-agar-dianggap-serius-dan.html" style="background-color: #fce5cd;">Berhadapan dengan Seseorang???</a></b></span></div>
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hana lidyanahttp://www.blogger.com/profile/06780655449644228900noreply@blogger.com1