tag:blogger.com,1999:blog-6362365475401069792024-03-19T04:15:36.819-07:00hindy..Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.comBlogger15125tag:blogger.com,1999:blog-636236547540106979.post-3330788306041857712013-01-10T17:32:00.001-08:002013-01-10T17:38:40.632-08:00Bisnis Online Menjanjikan<div style="text-align: center;">
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<b>Gak perlu khawatir Handphone rusak saat bersenang senang di dalam air .. Get it ...!!!</b></div>
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<span style="font-size: small;"><b style="font-family: Arial,Helvetica,sans-serif;">Kemudahan untuk Travelling kitaa... Sooo.. buruan beli !! ^^</b></span></div>
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<br />Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-37824092743246192492013-01-10T16:13:00.000-08:002013-01-10T17:46:59.556-08:00Jam SLAPINA unik<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRME-uGZeKYu5NKHuIbBDnMiilQ5uZBalarEJjZrEvN-80b6nPQC872sONoMgkMYDOojThoU3pqs0NKYEQ5nUd9e2UEucTzO8PC2LYAyLWz2zBAquo_kmNSr0er5jAMZL4S1qXq7Esozf5/s1600/head2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="227" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRME-uGZeKYu5NKHuIbBDnMiilQ5uZBalarEJjZrEvN-80b6nPQC872sONoMgkMYDOojThoU3pqs0NKYEQ5nUd9e2UEucTzO8PC2LYAyLWz2zBAquo_kmNSr0er5jAMZL4S1qXq7Esozf5/s640/head2.jpg" width="640" /></a></div>
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<b style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: 14pt;"><span style="font-size: 12pt;">Jam tangan
slap adalah jam tangan model baru yang sangat booming dan digemari di
Eropa dan USA. Yang membuat jam ini begitu disukai adalah karena cara
pakainya yang unik dan menyenangkan. Kita juga bisa bongkar pasang jam
menyesuaikan dengan tema fashion yang kita kenakan saat ini. </span></span></b><span style="font-size: small;"><b><span style="font-family: Arial,Helvetica,sans-serif;"></span></b></span><br />
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<b style="color: black;"><span style="font-family: Arial,Helvetica,sans-serif;">Pilihan warna yang bermacam-macam</span></b><br />
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<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><b> Bisa ganti-ganti warna sesukamu</b></span></div>
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<span style="font-family: Arial,Helvetica,sans-serif; font-size: small;"><b>Kerennya lagi jam unik ini water resistant, jadi nggak masalah dengan musim ujan sekarang</b></span></div>
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Sooo... Get it ... <a href="http://www.viralgen.com/home/hindy"><span style="border: 1px solid rgb(0, 0, 0); font-weight: bold; padding: 15px; width: 90%;">http://www.ViralGen.com/home/hindy</span></a></div>
Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-5740771476260982412012-11-15T03:40:00.000-08:002012-11-15T03:43:55.524-08:00" Scrap Book "<div style="text-align: center;">
Awalnya bikin ini bikinin temen anniversary 4th si Diastry bwt Rizaldi.....<br />
ehh... ternyata seruuu dan hasilnya lumayan gg jelek jelek bgt.. hahahaaa...</div>
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sayang belum diisi foto... :)</div>
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naah inii dy si Diastry.. with scrap book.y bwt Rizaldy...</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRi3CROJ4rYcHALWXAEeXIpSeByU4UhDzwRfhrbNDrc2rHd6Nf8Hx_8VtDHW7vtGFKzO7j4SYE-P5fS-1fH2VXrFMB1b-xOMsz5gmtekeYv0bOhHR4B9MMpWIbc-b76wO7ppHHbmsn1EiT/s1600/tika.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="452" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRi3CROJ4rYcHALWXAEeXIpSeByU4UhDzwRfhrbNDrc2rHd6Nf8Hx_8VtDHW7vtGFKzO7j4SYE-P5fS-1fH2VXrFMB1b-xOMsz5gmtekeYv0bOhHR4B9MMpWIbc-b76wO7ppHHbmsn1EiT/s640/tika.jpg" width="640" /></a></div>
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Congrat yaa sayoongg... :D</div>
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SEMOGA :</div>
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1. aku ketularaan hahahaa amiiiiiiinnnnnnnn</div>
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2. rukun, bahagia, harapan tercapai dkk</div>
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3. langgeng sampe MARRIED</div>
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4. punya zaldy and tika junior :)</div>
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5. sampe kakek nini</div>
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6. jodoh Dunia Akhirat :)<br />
Amiiiinnnn . . . amiiinnnn . . . ya robbal Alamiiinn :)</div>
Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-69346113048125998872012-10-19T20:50:00.000-07:002012-10-19T20:50:13.539-07:00Liburan at Coban Talun <div class="separator" style="clear: both; text-align: center;">
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Coban Talun October 2012 "Onny, Lily, Rohma, Afandi, Evans"...</div>
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Pemandangan Kota Batu dari Air Terjun Coban Talun Malang </div>
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#hmm.... nice moment with them... i miss u ^_^ </div>
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ini di coban talun,, edisi jalan jalan penghilang galau..hehehe... gambar ini sebenernya kita salah arah,,jd dibawahnya air terjun, alhasil pemandangan cuman batu batu gede.. hahahaa :D<br />biasalah..penunjuk jalannya gg handal.. hahhaha @Lily gembuurr...</div>
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<span style="font-family: Arial,Helvetica,sans-serif;">Taraaaa... This is beautiful Place.. :D :D</span><br />
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<span style="font-family: Arial,Helvetica,sans-serif;">"Lily with Evans"</span><br />
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"Rohma & Afandi"<br />
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"Onny & Ifa"<br />
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Hahahhaaaaiiii... Yeyeyeyeeee...</div>
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Next Holiday goes to Bromo Montain.... GO GO GOOOOOOO.......</div>
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Thank you Brother n Sister.... ^^</div>
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<br />Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-6027326495203935592012-10-17T01:20:00.000-07:002012-10-17T01:20:10.269-07:00Bakso "Cak Kar"<div class="separator" style="clear: both; text-align: center;">
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"Bakso Cak Kar" at Singosari Malang<br />
bakso Cak Kar ini manteep bangeeett... sapa aja yang jalan jalan ke Singosari nyesel kalo gag nyobain bakso ini.. Lokasinya daerah Pasar Singosari dan deket sama Candi Singosari... buat yang doyan bakso harus nyoba bakso ini..<br />
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hmmmm... yumm yuumm.. liat tuh gilingan daging campur cabee,,, Oisii... >.< <br />Disini banyak macem baksonya.. ada bakso Mercon, bakso Granat, bakso keju, bakso ati, bakso urat, tahu isi daging, dan masih banyak lagiiii... Selamat mencobaa... :) :)Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-75533388549716599752012-10-17T00:59:00.001-07:002012-10-17T00:59:03.193-07:00Gilaa Seruuu<div class="separator" style="clear: both; text-align: center;">
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Makan makan di Super Sambel Jl Ciliwung Malang... </div>
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critanya aku dipalak ne sama anak-anak manusia yang hina dan kelaparan..hahahahaa padahal ulang tahun udah kelewat jauh.. Pesennya udah banyak makannya kayak setan semuaa... gila gilaa.. :D</div>
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makasiii makasii buat doa'nya... aku tunggu hadiah jam Kura-Kuranya yaaaaa..... muah muah</div>
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i love you too ghessy, inonk, ojan, koko... </div>
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<br />At Kantin Politeknik Negeri Malang</div>
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hahahaa... ini Sarlinandito (Inonk/babi), Royyan (Laler/Ojan), and sii galau Ghessy</div>
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ne pas waktu istirahat, nongkrong di kantin mereka gag ada yang makan, biasa lah gag berduit.. hehehe</div>
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kayag gini ni pasti lagi ngomongin matkul, ato nggag pkl, ato ngga ngomongin status JOMBLO ato ngga_ngga ngmongin apa"... :D</div>
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Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-21427527100698740972012-10-17T00:21:00.002-07:002012-10-17T00:21:22.254-07:00The Basic Structure of a Speech<!--[if !mso]>
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<b><span style="color: #000099; font-family: "Times","serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";">The Basic Structure of a Speech</span></b><b><span style="font-family: "Times New Roman","serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"></span></b></div>
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<span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">All speeches contain
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<b><span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">An Introduction</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<b><span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">A Body</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<b><span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">A conclusion</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">In the <b>Introduction</b>,
you state the topic of your speech. You tell the audience the main points of
your speech. In other words, you say what you are going to speak about.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">In the <b>Body</b>,
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<span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">In the <b>Conclusion</b>,
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<b><span style="color: #000099; font-family: "Times","serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";">Making a Simple Outline</span></b><b><span style="font-family: "Times New Roman","serif"; font-size: 18.0pt; mso-fareast-font-family: "Times New Roman";"></span></b></div>
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<span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">An outline is a way to
organise your ideas logically and clearly. Without making an outline your
speech will probably lack structure, and so be difficult to understand. By
using a presentation outline, you can "see" the structure of your
speech. In addition, It can also serve as your speaking script.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">The following
presentation outline is a very simple way to organise your material into a
speech format. If you have time, </span><a href="http://www.nsknet.or.jp/%7Epeterr-s/public_speaking/detailoutline.html" target="_self"><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">you should look at the
detailed speech outline</span></a><span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">.
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<b><span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1. Introduction</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">What is the topic of
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<span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Why should the
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<span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">What <u>will</u> your
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<b><span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2. The body</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<b><span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">3. The conclusion</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">What <u>were</u> the
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<span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-no-proof: yes;"><img alt="http://www.nsknet.or.jp/%7Epeterr-s/images/bullet5.gif" border="0" height="11" src="file:///C:/Users/TOSHIBA/AppData/Local/Temp/msohtmlclip1/01/clip_image001.gif" width="15" /></span><b><span style="color: red; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Note</span></b><span style="color: #000099; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"> that the presentation outline is not a word-for-word script for
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Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-69739413965977116702012-10-17T00:01:00.001-07:002012-10-17T00:01:14.922-07:00SPEECH<!--[if gte mso 9]><xml>
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<br />
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">Hindiyati Cholifah</span></b></div>
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">2b Marketing D3</span></b></div>
<div align="right" class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: right;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">1032610022</span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">Assalamualaikum
wr. Wb</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">Hello Ladies
and gentleman</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">Thank you
for the time.. I would like to deliver my speech, under the title “SMILE”. Ok,
before I want to speech about smile, can you smile with us right now.. :D thank
you..</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">Smile is the
simple think in live.. But smile have many value and power.<span style="mso-spacerun: yes;"> </span>Why I choose smile for speech? Because, many
people underestimate with smile, and nobody people know the benefit of smile. So
I want to tell you the benefit for healthy.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<h3 style="line-height: normal; margin-top: 0in;">
<span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt; font-weight: normal; mso-bidi-font-weight: bold;">You know </span><span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt; font-weight: normal; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman";">people who smile
more may live longer</span><span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt; font-weight: normal; mso-bidi-font-weight: bold;">. Smiling is a
great way to make yourself stand out while helping your body to function
better. Smile to improve your health, your stress level, and your
attractiveness.<span style="mso-spacerun: yes;"> </span>I would like to tell you
10 miracle of smile.</span></h3>
<h3 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt;">Smiling
Makes Us Attractive</span></h3>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">We are drawn to people who smile. There is an
attraction factor. We want to know a smiling person and figure out what is so
good. Frowns, scowls and grimaces all push people away -- but a smile draws
them in.</span></div>
<h3 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt;">Smiling
Changes Our Mood</span></h3>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">Next time you are feeling down, try putting on a
smile. There's a good chance you mood will change for the better. Smiling can
trick the body into helping you change your mood.</span></div>
<h3 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt;">Smiling
Is Contagious</span></h3>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">When someone is smiling they lighten up the room,
change the moods of others, and make things happier. A smiling person brings
happiness with them. Smile lots and you will draw people to you.</span></div>
<h3 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt;"><span style="mso-spacerun: yes;"> </span>Smiling Relieves Stress</span></h3>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">Stress can really show up in our faces. Smiling
helps to prevent us from looking tired, worn down, and overwhelmed. When you
are stressed, take time to put on a smile. The stress should be reduced and
you'll be better able to take action.</span></div>
<h3 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt;">Smiling
Boosts Your Immune System</span></h3>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">Smiling helps the immune system to work better.
When you smile, immune function improves possibly because you are more relaxed.
Prevent the flu and colds by smiling.</span></div>
<h3 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt;">Smiling
Lowers Your Blood Pressure</span></h3>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">When you smile, there is a measurable reduction in
your blood pressure. Give it a try if you have a blood pressure monitor at
home. Sit for a few minutes, take a reading. Then smile for a minute and take
another reading while still smiling. Do you notice a difference?</span></div>
<h3 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt;">Smiling
Releases Endorphins, Natural Pain Killers and Serotonin</span></h3>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">Studies have shown that smiling releases
endorphins, natural pain killers, and serotonin. Together these three make us
feel good. Smiling is a natural drug.</span></div>
<h3 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt;">Smiling
Lifts the Face and Makes You Look Younger</span></h3>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">The muscles we use to smile lift the face, making
a person appear younger. Don't go for a face lift, just try smiling your way
through the day -- you'll look younger and feel better.</span></div>
<h3 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;">9.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt;">Smiling
Makes You Seem Successful</span></h3>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">Smiling people appear more confident, are more
likely to be promoted, and more likely to be approached. Put on a smile at
meetings and appointments and people will react to you differently.</span></div>
<h3 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt; mso-bidi-font-family: "Comic Sans MS"; mso-fareast-font-family: "Comic Sans MS";"><span style="mso-list: Ignore;">10.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: windowtext; font-family: "Comic Sans MS"; font-size: 12.0pt;">Smiling Helps You Stay Positive</span></h3>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">Try this test: Smile. Now try to think of
something negative without losing the smile. It's hard. When we smile our body
is sending the rest of us a message that "Life is Good!" Stay away
from depression, stress and worry by smiling. </span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">So ladies and gentleman smile is small think, but
have a many benefit and happiness.</span></div>
<div class="MsoNormal" style="line-height: normal;">
<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">That’s all my speech, I hope that my speech will
be useful in our live, and the hereafter. If you found many mistakes in my
speech please forgive me.. </span></div>
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<span style="font-family: "Comic Sans MS"; font-size: 12.0pt;">Thank you very much and Wassalamualaikum wr.wb</span></div>
<div class="MsoNormal">
<br /></div>
Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-58291943402287984252012-10-16T23:59:00.000-07:002012-10-16T23:59:27.155-07:00Makalah Komunikasi Lintas Budaya<!--[if !mso]>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">KOMUNIKASI
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Oleh:</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">GHESSY
ZURIA</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">HINDIYATI
CHOLIFAH</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">ROYYAN
TEGUH</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Kelompok
3</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">2B
MKT D3 JEPANG</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">JURUSAN
ADMINISTRASI NIAGA</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">POLITEKNIK
NEGERI MALANG</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">2012</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">A.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Pengertian
Komunikasi Bisnis Lintas Budaya</span></b></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Komunikasi
bisnis lintas budaya adalah komunikasi yang digunakan dalam dunia bisnis baik
komunikasi verbal maupun nonverbal dengan memperhatikan faktor budaya di suatu
daerah, wilayah, atau negara.</span></div>
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lintas dalam hal ini bukanlah semata-mata budaya asing (internasional), tetapi
juga budaya yang tumbuh dan berkembang di berbagai daieah dalam wilayah suatu
negara.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Sebagaimana
diketahui, setiap daerah yang ada di Indonesia ini memiliki kekhasan budaya
yang tidak dimiliki oleh daerah lainnya, seperti bagaimana seseorang
berkomunikasi dengan orang lain, bagaimana seseorang menghargai orang lain,
bagaimana mereka memanfaatkan waktu yang ada, bagaimana mereka bekerja,
bagaimana mereka meyakini atau mempercayai sesuatu yang sudah turun-temurun
dari nenek moyang mereka, bagaimana mereka berpakaian, dan bagaimana mereka
memperlakukan suatu produk.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l5 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">B.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Pentingnya
Komunikasi Bisnis Lintas Budaya</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="text-indent: .5in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Dalam
menyikapi era perdagangan bebas dan globalisasi, perusahaan-perusahaan besar
mencoba melakukan bisnis secara global. Dengan melihat perkembangan atau tren
yang ada saat ini, komunikasi bisnis lintas budaya menjadi sangat penting
artinya bagi terjalinnya harmonisasi bisnis di antara mereka.</span></div>
<div class="MsoListParagraphCxSpLast" style="text-indent: .5in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Semakin
banyaknya pola kerja sama maupun kesepakatan ekonomi di berbagai kawasan dunia
saat ini akan menjadikan komunikasi bisnis lintas budaya semakin penting.
Pendek kata, dengan semakin terbukanya peluang perusahaan multinasional masuk
ke wilayah suatu negara dan didorong dengan semakin pesatnya perkembangan
teknologi komunikasi dan informasi, maka pada saat itulah kebutuhan akan
komunikasi bisnis lintas budaya menjadi sangat penting artinya.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l5 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">C.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Memahami
Budaya dan Perbedaannya</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Definisi
Budaya</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Berikut
ini adalah definisi tentang budaya :</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.25in; mso-add-space: auto; mso-list: l2 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Menurut Lehman, Himstreet dan Baty,
budaya diartikan sebagai sekumpulan pengalaman hidup yang ada dalam masyarakat
mereka sendiri.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.25in; mso-add-space: auto; mso-list: l2 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Menurut Hofstede, budaya diartikan
sebagai pemrograman kolektif atas pemikiran yang membedakan anggota-anggota suatu
kategori orang dari kategori lainnya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.25in; mso-add-space: auto; mso-list: l2 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Menurut Bovee dan Thill, budaya adalah
system sharing atas simbol-simbol, kepercayaan, sikap, nilai-nilai, harapan,
dan norma-norma untuk berperilaku.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.25in; mso-add-space: auto; mso-list: l2 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Menurut Murphy dan Hildebrandt, budaya
diartikan sebagai tipikal karakteristik perilaku dalam suatu kelompok.</span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 1.25in; mso-add-space: auto; mso-list: l2 level1 lfo3; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Menurut Mitchel, budaya merupakan
seperangkat nilai-nilai inti, kepercayaan standar, pengetahuan, moral, hukum,
dan perilaku yang disampaikan oleh individu-individu dan masyarakat, yang
menentukan bagaimana seseorang bertindak, berperasaan, dan memandang dirinya
serta orang lain.</span></div>
<div class="MsoNormal" style="margin-left: .75in; text-indent: .25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Berdasarkan
beberapa pengertian budaya tersebut, ada beberapa hal penting yang perlu
diperhatikan, antara lain bahwa budaya mencakup sekumpulan pengalaman hidup,
pemrograman kolektif, system sharing, dan tipikal karakteristik perilaku setiap
individu yang ada dalan suatu masyarakat, termasuk di dalamnya tentang
bagaimana sistem nilai, norma, simbol-simbol, dan kepercayaan atau keyakinan
mereka masing-masing.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Komponen
Budaya</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Budaya
mencakup berbagai aspek kehidupan manusia, terutama yang berkatian dengan
dimensi hubungan antarmanusia.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Menurut
Cateora, budaya memiliki beberapa elemen, yaitu budaya material, lembaga
sosial, sistem kepercayaan, estetika, dan bahasa.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Budaya Material</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">
dibedakan kedalam dua bagian, yaitu teknologi dan ekonomi. Teknologi mencakup
teknik atau cara yang digunakan untuk mengubah atau membentuk material menjadi
suatu produk yang dapat berguna bagi masyarakat pada umumnya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Ekonomi
dalam hal ini dimaksudkan sebagai suatu cara orang menggunakan segala
kemampuannya untuk menghasilkan sesuatu yang bermanfaat bagi dirinya maupun
orang lain.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Organisasi Sosial</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">
dan pendidikan adalah suatu lembaga yang berkaitan dengan cara bagaimana
seseorang berhubungna dengan orang lain, mengorganisasikan kegiatan mereka
untuk dapat hidup secara harmonis dengan yang lain, dan mengajar perilaku yang
dapat diterima oleh generasi berikutnya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Sistem Kepercayaan</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">
atau keyakinan yang dianut oleh suatu masyarakat akan berpengaruh terhadap
sistem nilai yang ada di masyarakat tersebut. Keyakinan yang dianut oleh suatu
masyarakat juga akan mempengaruhi kebiasaan-kebiasaan mereka.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Estetika</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">
berkatian dengan seni, dongeng, hikayat, musik, drama dan tari-tarian.
Nilai-nilai estetika yang ditunjukkan mesyarakat dalam berbagai peran tentunya
perlu dipahami secara benar, agar pesan yang disampaikan mencapai sasaran
secara efektif.</span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l3 level1 lfo4; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">e.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Bahasa</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">
adalah suatu cara yang digunakan seseorang dalam mengungkapkan sesuatu melalui
simbol-simbol tertentu kepada orang lain.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Tingkatan
Budaya</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Menurut
Murphy dan Hildebrandt, dalam dunia praktis terdapat tiga tingkatan budaya,
yaitu : formal, informal dan teknis.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l7 level1 lfo5; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Formal</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Budaya
pada tingkatan formal merupakan sebuah tradisi atau kebiasaan yang dilakukan
oleh suatu masyarakat yang turun-temurun dari satu generasi ke generasi
berikutnya dan hal itu bersifat formal/resmi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l7 level1 lfo5; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Informal</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Pada
tingkatan ini, budaya lebih banyak diteruskan oleh suatu masyarakat dari
generasi ke generasi berikutnya melalui apa yang didengar, dilihat, dipakai
(digunakan) dan dilakukan, tanpa diketahui alasannya mengapa hal itu dilakukan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l7 level1 lfo5; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Teknis</span></b></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Pada
tingkatan ini, bukti-bukti dan aturan-aturan merupakan hal yang terpenting.
Terdapat suatu penjelasan yang logis mengapa sesuatu harus dilakukan dan yang
lain tidak boleh dilakukan. Pembelajaran secara teknis memiliki ketergantungan
sangat tinggi pada orang yang mampu memberikan alasan-alasan yang logis bagi
suatu tindakan tertentu.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: .75in; mso-add-space: auto; mso-list: l4 level1 lfo2; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mengenal
Perbedaan Budaya</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Perbedaan
budaya dapat dilihat dari nilai sosial, peran dan status, kebiasaan mengambil
keputusan, sikap terhadap waktu, penggunaan ruang/jarak, konteks budaya, bahasa
tubuh, hukum perilaku etis, dan perbedaan budaya perusahaan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Nilai-Nilai
Sosial</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Nilai
nilai sosial yang tumbuh dan berkembang si suatu negara bisa jadi berbeda
dengan negara lain.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Peran
dan Status</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Budaya
menuntun peran yang akan dimainkan seseorang, termasuk siapa berkomunikasi
dengan siapa, apa yang mereka komunikasikan, dan dengan cara bagaimana mereka
berkomunikasi. Begitu pula dalam konsep status, yang cara pandangnya berbeda
antara negara satu dengan negara yang lain.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Pengambilan
Keputusan</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Proses
pengambilan keputusan yang dilakukan oleh para manajemen puncan antara negara
yang satu dengan negara yang lain berbeda, ada yang cepat tetapi ada juga yang
lambat.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Konsep
Waktu</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Penilaian
terhadap waktu antara negara yang satu dengan negara yang lain juga berbeda,
ada yang ketat tetapi ada juga yang longgar/luwes.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">e.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Konsep
Jarak Komunikasi</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Sebagaimana
masalah waktu, menjaga jarak komunikasi juga berbeda untuk budaya yang berbeda.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">f.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Konteks
Budaya</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Salah
satu dari berbagai macam cara orang menyampaikan pesannya kepada orang lain
sangat ditentukan konteks budaya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">g.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Bahasa
Tubuh</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Perbedaan
bahasa tubuh sering kali menjadi sumber kesalahpahaman berkomunikasi lintas
budaya. Sering kali orang perlu mewaspadai antara kata yang diucapkan dengan
gerakan-gerakan tubuhnya agar dapat diketahui apa maksud yang sebenarnya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Bentuk
bahasa tubuh lainnya adalah kontak mata. Mata adalah salah satu bagian tubuh
yang sangat ekspresif.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">h.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Perilaku
Sosial</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Apa
yang dianggap sopan di suatu negara bisa jadi dianggap kurang sopan di negara
lain. Selain itu, perilaku sosial antara negara satu dengan yang lain juga bisa
menjadi penghampat berkomunikasi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">i.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Perilaku
Etis</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Perilaku
yang etis dan tidak etis antarnegara pun bisa berbeda. Di beberapa negara
perusahaan diharapkan membayar sejumlah uang secara resmi untuk persetujuan
kontrak pemerintah. Pembayaran tersebut dianggap sebagai hal yang rutin.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l1 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">j.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Perbedaan
Budaya Perusahaan</span></b></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Budaya
organisasi adalah cara perusahaan dalam melaksanakan sesuatu. Dengan kata lain,
budaya organisasi mempengaruhi cara orang bereaksi dengan orang lain.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l5 level1 lfo1; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">D.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Komunikasi
dengan Orang Berbudaya Asing</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo8; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Belajar
Tentang Budaya</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-indent: .25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Ketika merencanakan untuk melakukan
bisnis dengan orang yang memiliki budaya berbeda, seseorang akan dapat
berkomunikasi secara efektif bila ia telah mempelajari budayanya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-indent: .25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Disamping itu, ketika tinggal di negara
lain alangkah baiknya orang tersebut juga sedikit banyak mengenal budaya maupun
adat istiadat yang berlaku di negara tersebut.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-indent: .25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Berikut ini adalah contoh komunikasi
lintas budaya ketika melakukan perjalanan ke suatu negara :</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Di Spanyol, orang berjabat tangan paling
lama antara lima sampai dengan tujuh ayunan; melepas jabat tangan segera dapat
diartikan sebagai suatu bentuk penolakan. Di Perancis, orang berjabat tangan
cukup denagn hanya sekali ayunan atau gerakan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Jangan memberi hadiah minuman-minuman
beralkohol di negara-negara Arab.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Di Pakistan atau negara-negara yang
berpenduduk mayoritas Muslim, jangan heran kalau di tengah-tengah suatu
pertemuan bisnis mereka minta izin keluar untuk menunaikan ibadah sholat karena
setiap Muslim wajib sholat lama kali sehari.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Anda dianggap manghina tuan rumah jika
Anda menolak tawaran makanan, minuman atau setiap bentuk kebaikan di negara-negara
Arab. Namun, Anda juga jangan cepat-cepat menerima segala bentuk tawaran
tersebut. Kalau mau menolak suatu tawaran, tolaklah dengan cara yang sopan.</span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: 1.0in; mso-add-space: auto; mso-list: l6 level1 lfo7; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Tekankan usia perusahaan Anda ketika
berhubungan bisnis dengan pengusaha di Jerman, Belanda, dan Swiss.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo8; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mengembangkan
Ketrampilan Komunikasi Lintas Budaya</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-indent: .25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mempelajari apa yang dapat dilakukan
oleh seseorang tentang budaya tertentu sebenarnya merupakan suatu cara yang
baik untuk menemukan bagaimana mengirim dan menerima pesan-pesan lintas budaya
secara efektif.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; text-indent: .25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mempelajari ketrampilan komunikasi
lintas budaya pada umumnya akan membantu seseorang beradaptasi dalam setiap
budaya, khususnya jika seseorang berhubungan dengan orang lain yang memiliki
budaya berbeda.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo8; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Negosiasi
Lintas Budaya</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Orang
yang berasal dari budaya yang berbeda sering kali mempunyai pendekatan
negosiasi yang juga berbeda. Tingkat toleransi untuk suatu ketidaksetujuan pun
bervariasi.</span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: .75in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Negosiator
dari budaya yan gberbeda mungkin menggunakan teknik pemecahan masalah dan
metode pengambilan keputusan yang berbeda.</span></div>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><br clear="all" style="mso-special-character: line-break; page-break-before: always;" />
</span>
<div class="MsoNormal">
<br /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">KESIMPULAN</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"><span style="mso-tab-count: 1;"> </span>Semakin
pesatnya perkembangan teknologi informasi dan komunikasi telah memberikan
peluang untuk berkomunikasi dengan seseorang yang berbicara dengan bahasa dan
budaya yang berbeda. Pengembangan keterampilan komunikasi bisnis lintas budaya
menjadi semakin penting artinya, mengingat kecenderungan dunia bisnis yang
semakin global.</span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"><span style="mso-tab-count: 1;"> </span>Terdapat
tiga tingkatan budaya, yaitu: formal, informal, dan teknis. Kendala utama dalam
komunikasi lintas budaya adalah perbedaan budaya dan masalah bahasa. Perbedaan
budaya sering kali menjadikan komunikasi tikak efektif.</span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"><span style="mso-tab-count: 1;"> </span>Perbedaan
budaya dapat ditunjukkan dalam nilai-nilai social, ide status, kebiasaan
pengambilan keputusan, sikap terhadap waktu, pengaturan jarak bicara, konteks
budaya, bahasa tubuh, adat-istiadat, perilaku hukum dan etika.</span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"><span style="mso-tab-count: 1;"> </span>Seseorang
dapat mempelajari budaya tertentu dengan cara membaca buku-buku dan artikel,
berbicara dengan orang ynag menjadi bagian dari suatu budaya, belajar
bahasanya, sejarah suatu budaya suatu Negara, agama, politik, nilai-nilai, dan
kebiasaan-kebiasaan yang dilakukan oleh masyarakat suatu Negara.<span style="mso-tab-count: 1;"> </span></span></div>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><br clear="all" style="mso-special-character: line-break; page-break-before: always;" />
</span>
<div class="MsoNormal">
<br /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">DAFTAR
PUSTAKA</span></b></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraph" style="margin-left: .75in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Purwanto,
Djoko, 2011. Komunikiasi Bisnis, Jakarta: Erlangga</span></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-84462734004594767282012-10-16T23:43:00.000-07:002012-10-16T23:43:08.263-07:00Makalah Bisnis Retail<!--[if gte mso 9]><xml>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">BAB I</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">PENDAHULUAN</span></b></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">1.1<span style="mso-tab-count: 1;"> </span>Latar
Belakang</span></b></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Bisnis Retail merupakan keseluruhan
aktivitas bisnis yang terkait dengan penjualan dan pemberian layanan kepada
masyarakat sebagai pelaku konsumen untuk pengunaan yang sifatnya individu
sebagai pribadi maupun keluarga. Keberhasilan dalam pasar Retail yang
kompetitif, pelaku Retail harus dapat menawarkan produk yang tepat, dengan
harga, waktu dan tempat yang tepat pula. Oleh karena itu, pemahaman terhadap
pelaku Retail terhadap karakteristik target pasar atau konsumen yang akan
dilayani merupakan hal yang sangat penting. Dalam operasionalnya pelaku Retail
menjalankan beberapa fungsi antara lain membantu konsumen dalam menyediakan
berbagai produk dan jasa. Menjalankan fungsi memecah maupun menambah nilai
produk, secara keseluruhan pengelola bisnis Retail membutuhkan
implementasi fungsi-fungsi manajemen secara terintegrasi baik fungsi keuangan,
pemasaran, sumberdaya manusia, maupun operasional. Sehinga pelaku Retail dapat
memahami secara penuh tentang lingkup bisnis Retailnya, cara strategi
pengembangannya dan Memanajemen bisnisnya.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Industri Retail semakin berubah
seiring dengan perubahan teknologi, perkembangan dunia usaha serta
kebutuhan konsumen. Siap atau tidak, Retail di Indonesia akan menghadapi
persaingan yang demikian sengit. Apalagi dengan semakin maraknya Retail asing
di Indonesia yang punya kekuatan merek dan dana yang “tak terbatas”. Oleh
karenanya Retail di Indonesia perlu mewaspadai atau memahami berbagai tren yang
akan terjadi pada dunia Retail di masa depan. Berikut adalah 10 hal yang bisa
menentukan masa depan Retail.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Bisnis ritel makin populer
belakangan ini. Namun, dengan dibukanya keran perdagangan bebas dengan Cina,
pasar ritel lokal banyak yang gulung tikar. Bagaimana strategi yang efektif
dalam mengelola bisnis ritel sehingga tak tergerus oleh serbuan ritel asing?.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Bisnis ritel atau bisnis eceran
adalah bisnis yang menyalurkan barang maupun jasa kepada pengguna akhir. Segmen
bisnis ritel sangat luas, mulai dari segmen bawah hingga masyarakat kelas atas karena
produk yang ditawarkan pun sangat beragam. Akan tetapi, bisnis ritel ternyata
tak semudah yang dibayangkan. Dominasi merek terkenal dan modal yang tak
terbatas serta serbuan ritel asing dapat menjadi faktor sebuah bisnis ritel
tutup buku. Berikut ini beberapa tips yang dapat dilakukan untuk memelihara
bisnis ritel yang sudah berjalan.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Orang-orang
yang tertarik untuk memulai sebuah <a href="http://translate.googleusercontent.com/translate_c?hl=id&langpair=en%7Cid&rurl=translate.google.co.id&u=http://kathrynvercillo.hubpages.com/hub/Is_There_A_Career_For_Me_Working_Retail__But_Hating_It&usg=ALkJrhgs_wGJUCIFuvPgbHNiuwx30B2zSw"><span style="font-family: "Calibri","sans-serif"; mso-bidi-font-family: "Times New Roman";">toko
ritel</span></a> perlu memastikan bahwa mereka berada dalam posisi untuk
benar-benar membuat toko sukses. Hal ini terutama berlaku di zaman ekonomi
sulit ketika banyak perusahaan yang berjuang untuk tetap bertahan. Ada banyak
hal untuk mempertimbangkan untuk menentukan apakah suatu <a href="http://translate.googleusercontent.com/translate_c?hl=id&langpair=en%7Cid&rurl=translate.google.co.id&u=http://hubpages.com/topics/business-and-jobs/809&usg=ALkJrhgnBM6gvXKytS66IgySU9u1kSf0aw"><span style="font-family: "Calibri","sans-serif"; mso-bidi-font-family: "Times New Roman";">bisnis</span></a>
akan dapat melakukannya dengan baik sekarang termasuk lokasi dan jenis usaha
ritel yang Anda tertarik untuk memulai. Namun, pertanyaan yang benar apakah
atau tidak bisnis Anda akan melakukannya dengan baik memiliki kurang untuk
melakukan dengan toko dan banyak lagi dengan Anda. Tanyakan pada diri Anda jika
Anda memiliki lima berikut <a href="http://translate.googleusercontent.com/translate_c?hl=id&langpair=en%7Cid&rurl=translate.google.co.id&u=http://kathrynvercillo.hubpages.com/hub/10-Traits-of-a-Successful-Manager&usg=ALkJrhjp05ouoC1xvBPmdOCCbyHJqNDzOA"><span style="font-family: "Calibri","sans-serif"; mso-bidi-font-family: "Times New Roman";">harus-memiliki
kualitas</span></a> untuk menjalankan sebuah toko ritel yang sukses. Jika Anda
melakukannya, Anda harus dapat membuat pekerjaan bisnis Anda terlepas dari
kesulitan ekonomi yang dihadapi ritel saat ini. </span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">1.2<span style="mso-tab-count: 1;"> </span></span></b><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF;">Tujuan</span></b><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-pagination: none; tab-stops: .5in 1.0in 117.0pt; text-autospace: none; text-indent: -35.45pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"><span style="mso-tab-count: 3;"> </span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF;">Mendapatkan informasi yang akurat sehingga dapat
menjelaskan secara obyektif</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"> strategi</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF;"> pemasaran </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">bisnis retail </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF;">yang dilakukan di </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Tofuku, untuk memen<span class="st">angkan persaingan di pasar</span>.</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.3<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF;">Manfaa</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">t</span></b></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF;">Sebagai masukan
bagi manajemen </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">bisnis retail </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF;">yang dilakukan di </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Tofuku </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF;">tentang pemilihan strategi marketing yang digunakan
dalam mempertahankan loyalitas pelanggan, sehingga dapat menentukan kebijakan
manajemen selanjutnya. </span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF;">Sebagai sebuah
kajian yang memperkaya pemikiran dan data mengenai bagaimana keberlangsungan
sebuah usaha jasa khususnya </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">p</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF;">a</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">d</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF;">a </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">bisnis retail</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: #03FF;"> dengan tantangan-tantangan yang mereka hadapi, dalam
hal pemasaran.</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">BAB II</span></b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">TINJAUAN TEORI DAN EMPIRIS</span></b></div>
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<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">2.1<span style="mso-tab-count: 1;"> </span>Strategi Bers</span></b><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">aing <span style="mso-bidi-font-weight: bold;">Untuk Setiap Posisi Bisnis </span></span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Pada saat
sekarang ini maupun saat kedepan, strategi pemasaran yang diterapkan oleh suatu
perusahaan harus disesuaikan tidak hanya pada sasaran konsumen semata, tetapi
juga pada para pesaing yang mengincar pasar sasaran konsumen yang sama.
Perusahaan sebelum menetapkan dan menjalankan strateginya hendaklah terlebih
dahulu malakukan analisa SWOT (Strength, Weakness, Opportunity and Treath)
yaitu melihat dan menganalisa kekuatan, kelemahan, peluang, dan ancaman yang
dimilikinya sendiri dan juga yang dimiliki oleh para pesaingnya. </span></div>
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<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Strategi Untuk Setiap Posisi Bisnis Posisi </span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Reaktif </span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Proaktif </span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">LEADER </span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 12.1pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 113.4pt;" valign="top" width="151"><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">- </span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Balas </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">-
Persaingan harga </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">-
Pengembangan pasar </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">-
Penelitian dan pengembanga </span></div>
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<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">CHALLENGER </span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">-
Follow the leader </span></div>
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Me too </span></div>
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<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">- </span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Menantang </span></div>
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Menyerang </span></div>
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Pengembangan produk baru </span></div>
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<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">FOLLOWER </span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 18.15pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 113.4pt;" valign="top" width="151"><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">- </span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Status Quo </span></div>
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<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">- </span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Me too </span></div>
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<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; height: 18.15pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-top-alt: solid black .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 155.9pt;" valign="top" width="208"><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">- </span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Cari pasar baru </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">-
Cari segmen pasar baru </span></div>
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Market niche </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Strategi
bersaing bergantung pada besar dan posisi masing-masing perusahaan dalam pasar.
Perusahaan besar mampu menerapkan strategi tertentu, yang jelas tidak bisa
dilakukan oleh perusahaan kecil. Tetapi hanya dengan sekala besar saja tidaklah
cukup, karena ada beberapa strategi bagi perusahaan besar yang mampu menjamin
keberhasilannya, akan tatapi ada juga strategi yang dapat merugikan dirinya
sendiri. Dan bukanlah merupakan sesuatu hal yang jarang terjadi bahwa
perusahaan kecil dengan strateginya sendiri mampu rnenghasilkan tingkat
keuntungan yang sama atau bahkan lebih baik daripada yang diperoleh perusahaan
besar. </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Sehubungan
dengan besarnya usaha, maka dapat dibedakan menjadi empat kelompok usaha,
yaitu: </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Market Leader menguasai 40%
pasar </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.7pt; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l14 level1 lfo10; text-autospace: none; text-indent: -21.25pt;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Market Challanger menguasai
30% pasar </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.7pt; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l14 level1 lfo10; text-autospace: none; text-indent: -21.25pt;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Market Follower menguasai 20%
pasar </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.7pt; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l14 level1 lfo10; text-autospace: none; text-indent: -21.25pt;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Market Nicher menguasai 10%
pasar </span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-style: italic;">Market Leader </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; text-autospace: none; text-indent: .5in;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Perusahaan
seperti ini rnemegang bagian terbesar dalam pasar, biasanya
perusahaan-perusahaan lain mengikuti tindakan-tindakan perusahaan dalam hal
perubahan harga, pengenalan produk baru, pencakupan saluran distribusi, dan
intensitas promosi. Perusahaan ini menjadi titik pusat orientasi para pesaing.
Ia merupakan perusahaan yang ditantang, ditiru, atau dijauhi. Kehidupan
pemimpin pasar sungguh tidaklah mudah, terkecuali bila perusahaan itu memang memiliki
promosi resmi. Perusahaan tersebut senantiasa mempertinggi kewaspadaannya sebab
para pesaingnya selalu mencari dan mencoba memanfaatkan kelemahannya, meski
sekecil apapun. Perusahaan yang dominan selalu ingin tetap menjadi nomor satu,
oleh sebab itu, perusahaan-perusahaan seperti ini bjasanya mengembangkan
strategi: </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.7pt; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l7 level1 lfo11; text-autospace: none; text-indent: -19.0pt;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mengembangkan pasar
keseluruhan, hal ini dapat dilakukan dengan cara:</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 92.7pt; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l3 level1 lfo12; text-autospace: none; text-indent: -.25in;">
<span style="color: black; font-family: "Courier New"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mencari konsumen baru dengan cara strategi penerobosan pasar,
strategi <span style="mso-spacerun: yes;"> </span>pasar baru, dan strategi
perluasan geografis</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 92.7pt; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l3 level1 lfo12; text-autospace: none; text-indent: -.25in;">
<span style="color: black; font-family: "Courier New"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mencari dan mengenalkan kegunaan baru suatu produk</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 92.7pt; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l3 level1 lfo12; text-autospace: none; text-indent: -.25in;">
<span style="color: black; font-family: "Courier New"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Meyakinkan masyarakal konsumen agar menggunakan produk lebih
banyak pada setiap kesempatan. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.7pt; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l7 level1 lfo11; text-autospace: none; text-indent: -21.25pt;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Melindungi bagian-bagian
pasar yang telah dikuasai. Sementara mencoba memperkuat pasar. Perusahaan yang
dominan tetap harus melindungi usahanya secara terus menerus dari serangan
saingan-saingannya. Untuk itu yang harus dikerjakan oleh perusahaan pemimpin
dalam mempertahankan daerah kekuasaannya adalah inovasi (Pembaharuan ) yang
terus menerus.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.7pt; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l7 level1 lfo11; text-autospace: none; text-indent: -21.25pt;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Meningkatkan bagian pasar.
Selain mencari konsumen baru pada pasar yang baru, perusahaan juga dapat
meningkatkan jumlah konsumen pada bagian pasar yang sudah dikuasai. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none; text-indent: 35.45pt;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-style: italic;">Market Challanger </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; text-autospace: none; text-indent: .5in;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Perusahaan
yang mempunyai urutan kedua atau lebih rendah lagi didalam pasar bisa disebut
"runner up" atau "Penyusul". Mereka dapat menyerang Market
leader dan pesaing-pesaing lainnya dalam suatu usaha yang gencar merebut bagian
pasar, perusahaan inilah yang disebut Market Challanger. Dan mereka yang
bersikap asal rnenerima tidak menggoncangkan pasar, disebut juga <i>Market
Follower. </i></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none; text-indent: .5in;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Beberapa strategi penyerangan yang bisa digunakan oleh market
challanger : </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Menetapkan sasaran straregi
lawan. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .75in; margin-right: 0in; margin-top: 0in; text-indent: .5in;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Langkah awal yang harus dilakukan oleh penantang pasar adalah
menetapkan sasaran strategis dan memilih lawan yang dihadapi, untuk itu
perusahaan harus melakukan analisis persaingan yang sistematis. Sasaran
strategis dari kebanyakan penantang pasar adalah: peningkatan bagian pasar
dengan harapan akan menghasilkan profitabilitas yang lebih tinggi. Pada dasarnya,
market challanger dapat memilih salah satu dari tiga jenis perusahaan yang
dapat diserang yaitu: pimpinan pasar, perusahaan-perusahaan yang sama besarnya
tetapi kurang berhasil serta kekurangan dana, dan perusahaan regional yang
lebih kecil.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .75in; margin-right: 0in; margin-top: 0in; mso-list: l4 level1 lfo13; text-indent: -.25in;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Memilih strategi penyerangan. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .75in; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; text-autospace: none; text-indent: .5in;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Secara umum
ada lima strateg penyerangan yang dapat dipilih dan dilakukan market challanger
: </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.25in; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l1 level1 lfo14; text-autospace: none; text-indent: -.25in;">
<span style="color: black; font-family: "Courier New"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Serangan Frontal. Serangan ini dilakukan dengan mengerahkan
seluruh kekuatan yang dimiliki tepat berhadapan dengan lawan. Serangan ini lebih
bersifat menyerang kekuatan lawan ketimbang titik lemahnya. Dalam serangan
frontal ini, penyerang menandingi produk, iklan, barga, dari lawannya, sehingga
apabila lawan tidak kuat maka akan kalah. Biasanya yang memakai strategi ini
adalah market challanger yang kuat.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.25in; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l1 level1 lfo14; text-autospace: none; text-indent: -.25in;">
<span style="color: black; font-family: "Courier New"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Serangan melambung. Prinsip pokok dart serangan modern adalah
Konsentrasi kekuatan untuk menyerang kelemahan .Market challanger berpura-pura
akan menyerang bagian yang kuat sehingga lawan mengerahkan seluruh kekuatan ke
bagian tersebut, tetapi serangan yang sesungguhnya akan diarahkan kebagian
kelemahannya. Ada dua strategi yang dapat dilakukan oleh market challanger
yaitu <i>serangan geografis</i>, yaitu serangan-serangan yang ditujukan pada
daerah-daerah pemasaran dimana pesaing tidak menanganinya dengan baik. Dan
kedua adalah <i>serangan dengan menutup segmen pasar </i>yang selama ini belum
dipenuhi oleh market leader.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.25in; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l1 level1 lfo14; text-autospace: none; text-indent: -.25in;">
<span style="color: black; font-family: "Courier New"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Serangan mengepung. Serangan ini merupakan usaha menembus daerah
pemasaran lawan, yaitu dengan mengadakan penyerangan secara besar-besaran
terhadap seluruh pasar lawan dan pada saat bersamaan perusahaan penantang
memasarkan segala apa saja yang dipasarkan oleh pesaing, dan melebihi apa yang
dimiliki oleh pesaing, sehingga tawaran perusahaan ini tidak mungkin ditolak
oleh konsumen.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.25in; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l1 level1 lfo14; text-autospace: none; text-indent: -.25in;">
<span style="color: black; font-family: "Courier New"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Serangan lintas. Strategi ini adalah strategi yang paling tidak
langsung, serta menjauhkan diri dari gerakan yang mengarah kepemasaran pesaing.
Ada tiga pendekatan, yaitu: diversifikasi ke produk-produk yang tidak
berkaitan, diversifikasi kepasar geografis yang baru dan menciptakan produk
yang lebih baik.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.25in; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l1 level1 lfo14; text-autospace: none; text-indent: -.25in;">
<span style="color: black; font-family: "Courier New"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Serangan gerilya. Serangan ini dilakukan perusahaan-perusahaan
yang kekurangan modal dengan menyerang pada berbagai wilayah lawan dengan
serangan kecil yang tiba-tiba dan terputus-putus. Tujuannya adalah untuk mengganggu
konsentrasi lawan. Serangan dapat dilakukan dengan tindakan memotong harga
secara selektif, mengganggu persediaan, membajak eksekutif, kegiatan promosi
intensif dan berbagai tindakan ilegal lainnya. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; text-autospace: none; text-indent: .5in;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Selain ke
lima strategi penyerangan secara umum tersebut, terdapat strategi yang lebih
spesitik lagi bagi market challanger yaitu:</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .75in; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l15 level1 lfo15; text-autospace: none; text-indent: -.25in;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Strategi pemotongan harga</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .75in; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l15 level1 lfo15; text-autospace: none; text-indent: -.25in;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Strategi produk yang lebih
murah </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .75in; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l15 level1 lfo15; text-autospace: none; text-indent: -.25in;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Strategi produk prestise</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .75in; margin-right: 0in; margin-top: 0in; mso-layout-grid-align: none; mso-list: l15 level1 lfo15; text-autospace: none; text-indent: -.25in;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Strategi pengembang biakan
produk </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Strategi inovasi produk </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Strategi penyempurnaan jasa
pelayanan </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Strategi inovasi distribusi </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Strategi penekanan biaya</span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">9.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Strategi promosi yang
intensif</span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-style: italic;">Market Follower </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></b></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Perusahaan
seperti ini lebih suka menawarkan hal-hal yang serupa, biasanya dengan meniru
produk perusahaan yang memimpin. Setiap market follower selalu menonjolkan
sifat khasnya kepada target pasar, misalnya lokasi, jasa pelayanan, atau
keuangannya. Strategi umum yang biasa dilakukan oleh maeket follower yaitu: </span></div>
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<span style="color: black; font-family: "Courier New"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mengikuti dari dekat. Market follower berusaha menyamai perusahaan
pemimpin pasar pada sebanyak mungkin segmen pasar dan wilayah bauran pemasaran.</span></div>
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<span style="color: black; font-family: "Courier New"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mengikuti dari jauh. Dalam strategi ini market follower membuat
beberapa differensiasi, namun tetap mengikuti market leader dalam hal pembauran
pasar. </span></div>
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<span style="color: black; font-family: "Courier New"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Mengikuti secara selektif. Market follower mengikuti dengan dekat
beberapa hal yang dilakukan market leader, namum pada hal-hal yang lain
perusahaan berjalan dengan sendiri. </span></div>
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<br /></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-style: italic;">Market Nicher </span></b><b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></b></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Perusahaan
seperti ini, menyandang berbagai nama seperti; penggarap relung pasar,
spesialisasi pasar, perusahaan ambang pintu, atau perusahaan tumpuan. Market
nicher menempati sebagian kecil dari seluruh pasar yang ada. Perusahaan jenis
ini mencoba masuk kesatu atau lebih celah-celah pasar yang aman dan
menguntungkan yang dilupakan atau terlewatkan oleh perusahaan besar. Umumnya
market micher adalah perusahaan yang mempunyai spesialisasi tertentu dan
keahlian yang khas didalam pasar, konsumen, produk atau lini-lini dalam bauran
pemasaran.</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Didalam strategi
pemasaran perusahaan erat kaitannya dengan 3 kekuatan dasar utama yang meliputi
; <span style="mso-bidi-font-style: italic;">Pelanggan (Cutomer)</span>, <span style="mso-bidi-font-style: italic;">Perusahaan (Corporation)</span> dan
Persaingan / Kompetisi (Competition). Pada konsep pemasaran yang strategis
selalu memfokuskan diri pada cara-cara ikut terjun dalam persaingan dimana
Perusahaan dapat secara efektif menempatkan diri terhadap pesaingnya. Dalam hal
ini, kemampuan memberikan nilai lebih pada pelanggan adalah kata kunci yang
dikembangkan dengan lebih optimal.<span style="color: black;"></span></span></div>
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Bersama-sama, tiga
elemen dasar <span style="mso-bidi-font-style: italic;">(perusahaan, kompetisi
dan pelanggan)<i> </i></span>membentuk interaksi terkait secara dinamis. Jika
apa yang diinginkan oleh pelanggan tidak cocok dengan kebutuhan perusahaan,
maka dalam kelangsungan jangka panjang masa depan perusahaan mungkin akan
dipertaruhkan. Positif matching dari kebutuhan dan tujuan pelanggan dan
perusahaan ini diperlukan untuk hubungan baik yang berkelanjutan.</div>
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Berdasarkan interaksi
lanjutan itu, maka pembentukan strategi pemasaran memerlukan 3 keputusan
sebagai berikut :</div>
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<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><b>Dimana
berkompetisi</b> <i>(Where to compete)</i></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .75in; margin-right: 0in; margin-top: 0in;">
Hal ini memerlukan definisi pasar yang
jelas (misalnya, bersaing di seluruh pasar atau dalam satu atau lebih segmen).</div>
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<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><b>Bagaimana
berkompetisi</b> <i>(How to compete)</i></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .75in; margin-right: 0in; margin-top: 0in;">
Hal ini memerlukan sebuah alat untuk
bersaing (misalnya, memperkenalkan produk baru untuk memenuhi kebutuhan
pelanggan atau menciptakan posisi baru untuk produk yang sudah ada). </div>
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<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><b>Kapan
untuk terjun dalam kompetisi </b><i>(When to compete)</i></div>
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Keputusan ini sangat diperlukan guna
menentukan waktu memasuki pasar secara langsung (misalnya, menjadi yang pertama
di pasar atau menunggu sampai permintaan utama didirikan). Tentunya sumber daya
perusahaan menjadi landasan utama dalam membuat keputusan yang tepat.</div>
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Banyak hal yang dapat anda kembangkan
dalam meningkatkan strategi pemasaram perusahaan anda. Tentunya pemberdayaan
secara berkelanjutan atas seluruh aset perusahaan akan menambah kemampuan
perusahaan dalam bersaing dalam kompetisi.</div>
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<br /></div>
<h2 style="line-height: 150%; margin-bottom: .0001pt; margin: 0in;">
<span style="font-size: 12.0pt; line-height: 150%;">2.2<span style="mso-tab-count: 1;"> </span><a href="http://liawillyarti.wordpress.com/2010/12/13/strategi-pemasaran-ritel-terhadap-kepuasan-dan-loyalitas-konsumen/" title="Permalink to Strategi pemasaran ritel terhadap kepuasan dan loyalitas konsumen">Strategi
Pemasaran Ritel terhadap Kepuasan dan Loyalitas Konsumen</a></span></h2>
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Strategi pemasaran
ritel adalah pemasaran yang mengacu kepada variabel, dimana pedagang eceran
dapat mengkombinasikan menjadi jalan alternatif sebagai suatu strategi
pemasaran untuk dapat menarik konsumen. Variabel tersebut umumnya meliputi
faktor seperti : variasi barang dagangan dan jasa yang ditawarkan, harga,
iklan, promosi, dan tata ruang, desain store, lokasi store dan merchanding
(Retail marketing management, 2003). Untuk menjaga kelangsungan hidup serta
kemajuan dan keunggulan dalam bisnis eceran yang semakin kompetitif, maka
pengelola bisnis tersebut harus berupaya menerapkan strategi berupa program
bauran penjualan eceran yang diharapkan memunculkan minat konsumen.</div>
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Komponen produk,
harga, tempat, dan promosi atau lebih dikenal dengan 4P (product, price, place,
and promotion) dengan menitikberatkan perhatian yang berbeda-beda pada keempat
variabel tersebut karena tergantung kepada sipembuat keputusan pemasarannya
untuk menyesuaikan dengan lingkungan yang cenderung berubah-ubah yang
berusaha untuk memenuhi kebutuhan pelanggan dan mencapai tujuan perusahaan,
dimana konsep tersebut berlaku bagi bisnis eceran dengan penekanan pda faktor
yang berlainan (McCarthy, 1993)</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; text-indent: .5in;">
<b style="mso-bidi-font-weight: normal;">Prinsip dasar pada ritel modern yang
terdiri dari 4 P:</b></div>
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<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><b style="mso-bidi-font-weight: normal;"><span style="mso-spacerun: yes;"> </span><i>Product</i>
(Produk)</b></div>
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Produk menurut Kotler and Armstrong
(2001) adalah segala sesuatu yang ditawarkan kepasar untuk diperhatikan,
dimiliki, digunakan, atau dikomsumsi yang dapat memuaskan keinginan atau
kebutuhan. Menurut Porter (1996), keunggulan suatu produk agar dapat diterima
dan bertahan dipasar ditentukan oleh ciri khas atau keunikan produk tersebut
dibandingkan dengan produk yang lain yang ada dipasar (Porter, 1996). </div>
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<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><i><b style="mso-bidi-font-weight: normal;">Price</b></i><b style="mso-bidi-font-weight: normal;"> (Harga)</b></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 53.45pt; margin-right: 0in; margin-top: 0in;">
Strategi dalam penetapan harga bisa
dilakukan dengan beberapa cara, misalnya : Harga <i>bundling</i>, harga <i>predatory</i>,
harga berbasis kompetisi, harga <i>cost plus</i>, harga berorientasi pasar,
harga premium, harga psikologis, harga dinamis (Kotler and Armstrong, 2010).
Ada tiga pihak yang menjadi dasar pertimbangan dalam penetapan harga oleh
sebuah perusahaan ritel yaitu konsumen, dirinya sendiri, dan pesaing.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.45pt; margin-right: 0in; margin-top: 0in; mso-list: l12 level1 lfo4; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Menurut Ma’ruf (2005) , impementasi
strategi harga antara lain : Penetapan harga secara tetap untuk periode waktu tertentu
dan harga yang ditetapkan secara variatif sesuai fluktuasi tingkat permintaan
konsumen.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.45pt; margin-right: 0in; margin-top: 0in; mso-list: l12 level1 lfo4; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Penetapan harga ganjil, seperti Rp. 99.000, Rp.
199.000, Rp. 749.000</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.45pt; margin-right: 0in; margin-top: 0in; mso-list: l12 level1 lfo4; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span><i>Leader pricing</i>, penetapan harga dimana <i>profit</i>
marginnya lebih rendah daripada tingkat yang biasa diraih bertujuan untuk
menarik konsumen yang lebih banyak.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.45pt; margin-right: 0in; margin-top: 0in; mso-list: l12 level1 lfo4; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Penetapan harga paket, yaitu harga yang didiskon
untuk penjualan lebih dari satu unit per itemnya.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 89.45pt; margin-right: 0in; margin-top: 0in; mso-list: l12 level1 lfo4; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Harga bertingkat, ini diberlakukan untuk produk
yang mempunyai banyak model dan harga yang beragam.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 53.45pt; margin-right: 0in; margin-top: 0in; mso-list: l11 level1 lfo3; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><b style="mso-bidi-font-weight: normal;"><span style="mso-spacerun: yes;"> </span><i>Promotion</i>
(Promosi)</b></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 53.45pt; margin-right: 0in; margin-top: 0in;">
Menurut Philip Kotler (1997, p.153)
proses keputusan pembelian dipengaruhi oleh rangsangan pemasaran dan rangsangan
lain. Bauran promosi yang meliputi periklanan (<i>advertising</i>), penjualan
pribadi (<i>personal selling</i>), hubungan masyarakat (<i>public relation</i>)
dan publisitas(<i>publicity</i>), promosi penjualan (<i>sales promotion</i>),
dan pemasaran langsung (<i>direct marketing</i>) adalah bagian dari
rangsangan pemasaran yang merupakan variabel yang dapat dikontrol oleh
perusahaan.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 53.45pt; margin-right: 0in; margin-top: 0in;">
Menurut Schoell (1993, p.424), Tujuan
promosi adalah memperoleh perhatian, mendidik, mengingatkan, dan meyakinkan.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 53.45pt; margin-right: 0in; margin-top: 0in; mso-list: l11 level1 lfo3; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><i><b style="mso-bidi-font-weight: normal;">Place</b></i><b style="mso-bidi-font-weight: normal;"> (Lokasi)</b></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 53.45pt; margin-right: 0in; margin-top: 0in; text-indent: 18.55pt;">
Saluran pemasaran
adalah serangkaian organisasi yang saling tergantung yang terlibat dalam proses
menjadikan barang dan jasa siap digunakan atau dikomsumsi (Kotler, 2002).
Menurut Losch, Lokasi penjualan sangat berpengaruh lokasi penjual sangat
berpengaruh terhadap jumlah konsumen yang dapat digarapnya. Makin jauh dari
tempat penjual, konsumen makin malas membeli karena biaya transportasi untuk
mendatangi tempat penjual semakin mahal. Losch cenderung menyarankan agar
lokasi produksi berada dipasar atau dekat dengan pasar.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 53.45pt; margin-right: 0in; margin-top: 0in; text-indent: 18.55pt;">
Lokasi adalah
faktor terpenting dalam pemasaran ritel. Pada lokasi yang tepat, sebuah gerai
akan lebih sukses dibandingkan gerai lainnya
yang berlokasi kurang strategis, meskipun keduanya menjual produk yang sama
dengan pramuniaga yang sama terampilnya dan mempunyai citra toko yang bagus.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: .5in;">
Startegi pemasaran
yang baik juga harus didukung dengan kualitas pelayan yang baik. Menurut
Christopher H. Lovelock et.al (1996) menyatakan bahwa kualitas pelayanan
merupakan bentuk pelayanan yang harus disesuaikan dengan harapan dan kepuasan
konsumen didalam memenuhi kebutuhan dan keinginan mereka. Salah satu cara
perusahaan untuk tetap dapat unggul bersaing dengan memberikan pelayanan dengan
kualitas yang lebih tinggi dari pesaingnya secara konsisten. Harapan konsumen
dibentuk oleh pengalaman masa lalunya, pembicaraan dari mulut kemulut serta
promosi yang dilakukan kemudian dibandingkannya. Menurut Payne (2000) membentuk
model kualitas pelayanan yang menyoroti syarat-syarat utama memberikan kuliatas
pelayanan diantaranya adalah :</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.7pt; margin-right: 0in; margin-top: 0in; mso-list: l17 level1 lfo5; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Kesenjangan antara harapan konsumen dengan
persepsi management</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.7pt; margin-right: 0in; margin-top: 0in; mso-list: l17 level1 lfo5; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Kesenjangan antara persepsi management terhadap
harapan konsumen dengan spesifikasi terhadap kualitas pelayanan.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.7pt; margin-right: 0in; margin-top: 0in; mso-list: l17 level1 lfo5; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Kesenjangan antara spesifikasi kualitas
pelayanan dan penyampaian pelayanan.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 56.7pt; margin-right: 0in; margin-top: 0in; mso-list: l17 level1 lfo5; text-indent: -.25in;">
<span style="font-family: Wingdings; mso-bidi-font-family: Wingdings; mso-fareast-font-family: Wingdings;"><span style="mso-list: Ignore;">§<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Kesenjangan antara pelayanan yang dirasakan dan
pelayanan yang diharapkan.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 35.45pt; margin-right: 0in; margin-top: 0in; text-indent: .5in;">
Menurut Zeithaml and
Bitner (2003), kualitas pelayanan mencerminkan evaluasi persepsi konsumen
tentang elemen-elemen jasa (kualitas interaksi, kualitas lingkungan fisik, dan
kualitas hasil), kemudian elemen-elemen jasa akan dievaluasi berdasarkan
dimensi kualitas pelayanan yang spesifik, antara lain : kehandalan, daya
tangkap, jaminan, kemudahan dalam melakukan hubungan, dan bukti langsung.</div>
<h3 style="line-height: 150%;">
<a href="http://www.blogger.com/blogger.g?blogID=636236547540106979" name="3234018512576253113"></a><span style="color: windowtext; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">2.3<span style="mso-tab-count: 1;"> </span>Strategi
Manajemen Ritel </span></h3>
<div class="MsoNormal" style="line-height: 150%; margin-left: .5in; text-indent: .5in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Kata
ritel berasal dari bahasa Perancis, ritellier, yang berarti memotong atau
memecah sesuatu. Retail atau eceran (retailing) dapat dipahami sebagai semua
kegiatan yang terlibat dalam penjualan barang atau jasa secara langsung kepada
konsumen akhir untuk penggunaan pribadi dan bukan penggunaan bisnis. Sering
kali orang-orang beranggapan bahwa ritel hanya menjual produk-produk di toko. Tetapi
retail (ritel) juga melibatkan pelayanan jasa layanan antar (delivery services)
ke rumah-rumah. Tidak semua ritel dilakukan ditoko.<br />
Kegiatan yang dilakukan dalam bisnis retail (ritel) adalah menjual berbagai
produk, jasa atau keduanya, kepada konsumen untuk keperluan konsumsi pribadi
maupun bersama. Produsen menjual produk-produknya kepada peretail maupun
peritel besar (wholesaler). Peritel besar ini juga kerap disebut sebagai grosir
atau pedagang partai besar. </span></div>
<div style="line-height: 150%; margin-left: .5in; text-indent: -.5in;">
<b style="mso-bidi-font-weight: normal;">2.4</b><span style="mso-tab-count: 1;"> </span><b style="mso-bidi-font-weight: normal;">Trend Industri Ritel</b><br />
<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>Industri
retail (ritel) berubah dengan cepat. Perubahan-perubahan itu dapat dilihat dari
1). Perbedaan yang mendasar dan terus berkembang dalam format ritel. 2).
meningkatnya konsentrasi industri. 3). Globalisasi dan 4). Penggunaan berbagai
cara untuk berinteraksi dengan konsumen. Saat ini konsumen dapat membeli barang
yang sama dari sejumlah retail (ritel) yang berbeda. Masing-masing format ritel
menargetkan pangsa pasar yang berbeda dan yang semakin meningkat. Tiap jenis
retail (ritel) menawarkan manfaat yang berbeda, sehingga para konsumen bisa
berlangganan pada retail (ritel) yang berbeda untuk pembelian dan kebutuhan
yang berbeda.<br />
<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>Pada
awalnya retail (ritel) adalah bisnis lokal. Saat ini, konsep ritel yang
berhasil disebuah negara telah berkembang secara global. Mengapa beberapa
konsep ritel dapat berkembang secara global dan sementara beberapa tidak bisa
berkembang? biasanya tergantung pada apa yang dinamakan keunggulan bersaing
(competitive advantage) di negara tersebut.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 42.55pt; margin-right: 0in; margin-top: 0in; text-indent: -42.55pt;">
<b style="mso-bidi-font-weight: normal;">2.5</b><span style="mso-tab-count: 1;"> </span><b style="mso-bidi-font-weight: normal;">Strategi Pemasaran Ritel (Retail)</b></div>
<h1 style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: .5in;">
<span style="font-size: 12.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-weight: bold;">Strategi pemasaran ritel (retail) meliputi (1). pemilihan segment target
pasar dan penentuan format ritel (retail) dan (2). pengembangan keunggulan
bersaing yang memungkinkan ritel (retail) untuk mengurangi tingkat kompetensi
yang dihadapi.<br />
</span><span style="font-weight: normal; mso-bidi-font-weight: bold;"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span></span><span style="font-size: 12.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-weight: bold;">Ritel (retail) yang berhasil harus memenuhi kebutuhan pelanggan pada
segmen pasar yang dilayani secara lebih baik daripada yang dilakukan pesaing.
Pasar ritel (retail) bukan merupakan tempat khusus dimana para pembeli dan
penjual bertemu, tetapi sebagai kelompok konsumen dengan kebutuhan-kebutuhan
yang sama (segmen pasar) dan sekelompok ritel (retail) yang menggunakan format
ritel (retail) yang sama untuk memenuhi kebutuhan konsumen tersebut.<br />
</span><span style="font-weight: normal; mso-bidi-font-weight: bold;"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span></span><span style="font-size: 12.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-weight: bold;">Pasar sasaran dalam ritel (retail) sering kali ditetapkan berdasarkan
faktor demografis, geografis dan psikografis. Menetapkan pasar sasaran
merupakan syarat untuk menetapkan strategi bauran ritel (retail). Bauran ritel
(retail) atau disebut dengan retail mix adalah kombinasi elemen-elemen produk,
harga, lokasi, personalia, promosi dan presentasi atau tampilan-untuk menjual
barang dan jasa pada konsumen akhir yang menjadi target pasar.</span></h1>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: .5in;">
Membicarakan<a href="http://bisnisukm.com/strategi-pemasaran-bagi-produk-baru.html" target="_blank"> strategi pemasaran</a>, memang tidak akan pernah ada habisnya.
Berbagai cara dan usaha bisa dijadikan sebagai strategi untuk memasarkan sebuah
produk. Salah satu strategi yang sudah dijalankan masyarakat dari dulu hingga
sekarang adalah pemasaran dengan sistem retail atau eceran. Yang dimaksud
dengan strategi pemasaran retail atau eceran sendiri adalah segala kegiatan
jual-beli yang bertujuan menyalurkan barang kepada konsumen akhir, guna
memenuhi kebutuhan pribadi para konsumen.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: .5in;">
Sebagian besar pelaku
usaha memilih untuk menggunakan strategi pemasaran ini, sebab <a href="http://bisnisukm.com/kendala-ukm-memasuki-pasar-global.html" target="_blank">peluang pasar</a> yang paling potensial datang dari konsumen
akhir, yang rata-rata membeli suatu produk untuk keperluan mereka sehari-hari.
Tak heran bila saat ini perkembangan bisnis retail juga sangat pesat, lihat
saja bisnis toko kelontong, minimarket, hingga bisnis retail yang sudah besar
seperti Matahari, Alfamart, Indomart, dan Hero banyak dicari para konsumen.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: .5in;">
Tingginya permintaan
pasar akan produk retail, membuat sebagian besar pelaku usaha memilih strategi
pemasaran tersebut untuk melepas produk mereka ke pasaran. Meskipun cara ini
terbilang mudah, namun <a href="http://bisnisukm.com/bagaimana-cara-menghadapi-persaingan-pasar.html" target="_blank">persaingan pasar</a> bisnis retail sudah sangat tinggi. Maka
dari itu bagi Anda yang ingin terjun dalam bisnis retail, sebaiknya perhatikan
hal-hal berikut untuk memenangkan pasar :</div>
<div style="line-height: 150%; margin-left: .75in; mso-list: l0 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><b>Pertama,
tentukan target pasar</b>. Meskipun bisnis retail biasa menawarkan
berbagai produk kebutuhan masyarakat, namun sebisa mungkin tentukan target
konsumen yang ingin Anda jangkau. Misalnya saja lebih menekankan harga murah
untuk menjangkau konsumen menengah kebawah, atau menyediakan produk dengan
kualitas terbaik untuk menjangkau sasaran pasar menengah keatas.</div>
<div style="line-height: 150%; margin-left: .75in; mso-list: l0 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><b>Kedua,
ciptakan loyalitas pelanggan</b>. Memiliki konsumen yang loyal, merupakan
strategi tepat untuk meningkatkan pemasaran. Bukan hanya itu saja, dengan
adanya loyalitas konsumen juga membantu bisnis retail untuk menghadapi
persaingan pasar. Ciptakan program-<a href="http://bisnisukm.com/strategi-promosi-melalui-pameran.html" target="_blank">program promosi</a> yang dapat meningkatkan loyalitas konsumen,
contohnya saja dengan memberikan kartu diskon bagi para member, atau mengadakan
<i>event</i> promosi setiap akhir pekan.</div>
<div style="line-height: 150%; margin-left: .75in; mso-list: l0 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><b>Ketiga,
pilih lokasi usaha yang strategis</b>. Pemilihan lokasi usaha sangat
mempengaruhi tingkat penjualan pada bisnis retail. Sesuaikan lokasi usaha
dengan bisnis retail yang ingin dijalankan, sebab lokasi usaha juga ikut
menentukan potensi pasar. Seperti lokasi yang ada di tengah pemukiman warga,
Anda bisa membuka toko kelontong. Sedangkan untuk lokasi usaha yang ada di
daerah perkotaan, Anda bisa mencoba bisnis retail dengan minimarket atau
supermarket.</div>
<div style="line-height: 150%; margin-left: .75in; mso-list: l0 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><b>Keempat,
cantumkan brand pada setiap produk</b>. Penanaman image kepada para
konsumen, menjadi cara jitu untuk memasarkan bisnis retail. Yang perlu diingat
adalah brand bukan hanya sekedar nama, jadi cantumkan brand yang telah
ditetapkan di setiap produk. Seperti mencantumkan logo disetiap label harga
produk, atau mencantumkan logo pada interior ruangan. Sehingga brand tersebut
menjadi pembeda bisnis retail Anda dengan bisnis para pesaing.</div>
<div style="line-height: 150%; margin-left: .75in; mso-list: l0 level1 lfo6; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><b>Kelima,
berikan pelayanan prima kepada konsumen</b>. Jangan abaikan istilah
pembeli adalah raja. Istilah ini memberikan masukan kepada para pelaku usaha
untuk selalu memberikan pelayanan terbaik bagi para konsumen. Biasakan layani
konsumen dengan 3S 1A (sambut, senyum, sapa dan antusias). Lakukan dari hal
yang terkecil, seperti menyambut konsumen dengan salam dan mengucapkan
terimakasih setelah mereka selesai berbelanja. Cara ini sudah dilakukan pada
sebagian kecil bisnis retail, seperti Indomart. Jadi konsumen merasa dihargai
ketika berbelanja di tempat Anda, dan tidak segan untuk datang berbelanja
kembali.</div>
<div style="line-height: 150%; margin-left: .5in; text-indent: .5in;">
Karena <b style="mso-bidi-font-weight: normal;"><a href="http://bisnisukm.com/strategi-pemasaran-bisnis-retail.html" target="_blank"><b><span style="color: windowtext; font-weight: normal; mso-bidi-font-weight: bold; text-decoration: none; text-underline: none;">strategi
pemasaran bisnis retail</span></b></a></b> lebih mengacu pada konsumen
akhir sebagai potensi pasar, sebaiknya lakukan pemasaran bisnis dengan
pendekatan langsung kepada konsumen. Yakinlah bila <a href="http://bisnisukm.com/strategi-pemasaran-bisnis-melalui-pendekatan-konsumen.html" target="_blank">loyalitas konsumen</a> telah terbentuk, maka yang menjadi agen
pemasaran paling efektif bagi bisnis Anda adalah para konsumen tersebut. Oleh
karena itu, penuhi kebutuhan konsumen dan biarkan mereka menjadi agen pemasaran
Anda. Salam sukses.</div>
<div style="line-height: 150%; margin-left: 21.3pt; text-indent: .5in;">
<br /></div>
<div style="line-height: 150%; margin-left: 21.3pt; text-indent: .5in;">
<br /></div>
<div style="line-height: 150%; margin-left: 21.3pt; text-indent: .5in;">
<br /></div>
<div style="line-height: 150%; margin-left: 21.3pt; text-indent: .5in;">
<br /></div>
<div style="line-height: 150%; margin-left: 21.3pt; text-indent: .5in;">
<br /></div>
<div style="line-height: 150%; margin-left: 21.3pt; text-indent: .5in;">
<br /></div>
<div style="line-height: 150%; margin-left: 21.3pt; text-indent: .5in;">
<br /></div>
<div style="line-height: 150%; margin-left: 21.3pt; text-indent: .5in;">
<br /></div>
<div style="line-height: 150%;">
<br /></div>
<div style="line-height: 150%;">
<br /></div>
<div align="center" style="margin-bottom: .0001pt; margin: 0in; text-align: center;">
<br /></div>
<div align="center" style="margin-bottom: .0001pt; margin: 0in; text-align: center;">
<b style="mso-bidi-font-weight: normal;">BAB III</b></div>
<div align="center" style="margin-bottom: .0001pt; margin: 0in; text-align: center;">
<b style="mso-bidi-font-weight: normal;">HASIL OBSERVASI</b></div>
<div align="center" style="margin-bottom: .0001pt; margin: 0in; text-align: center;">
<br /></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-list: l16 level2 lfo18; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">3.1<span style="font: 7.0pt "Times New Roman";"> </span></span></b><b style="mso-bidi-font-weight: normal;">Lokasi Observasi</b></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: .5in;">
Kami melakukan
observasi di TOFUKU di jalan Abdul Gani<span style="mso-spacerun: yes;">
</span>Atas no. 167 Batu.</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in;">
<b style="mso-bidi-font-weight: normal;">3.2 Gambaran Umum Perusahaan</b></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .5in; margin-right: 0in; margin-top: 0in; text-indent: 28.35pt;">
TOFUKU berdiri 08
Agustus 2008 oleh Bapak Subgyo. Ide awal membuat <b><span style="font-weight: normal; mso-bidi-font-weight: bold;">TOFUKU</span></b><b style="mso-bidi-font-weight: normal;"> </b>bermula dari banyaknya usaha jajanan
ringan yang pada awalnya hanya makanan kecil keluarga Bapak Subagyo. Kemudian
oleh bapak dua anak ini mencoba beberapa resep dan memodifikasinya,
Alhamdulillah jadilah gorengan mungil yang biasa disebut Tahu Krispi. Saat
pertama diberikan kepada putranya beliau terheran-heran karena putranya dengan
lahap menghabiskan Tahu krispi yang ada didepannya. Beberapa teman juga beliau
juga berkomentar tentang rasa dan nuansa krispinya, ternyata mereka juga
menyukainya. Dari situlah bapak Subagyo berfikir untuk menyempurnakan resep dan
menambahkan beberapa menu kreasi baru. Beliau memberanikan diri untuk
mengembangkan potensi ini menjadi usaha sampingan yang beromzet
harian. <br />
<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span>Perbedaan mendasar <b><span style="font-weight: normal; mso-bidi-font-weight: bold;">TOFUKU</span></b><b style="mso-bidi-font-weight: normal;"> </b>dengan tahu krispi yang sudah ada
adalah bahan yang digunakan murni tanpa Bahan Pengawet sehingga aman untuk
dikonsumsi olah semua kalangan baik orang tua, dewasa, remaja dan anak-anak.
Dengan komposisi bahan yang sempurna, membuat <b><span style="font-weight: normal; mso-bidi-font-weight: bold;">TOFUKU</span></b> tetap krispi dalam
waktu yang relative lama.</div>
<div style="line-height: 150%; margin-left: .5in; text-indent: 28.35pt;">
Nama <b><span style="font-weight: normal; mso-bidi-font-weight: bold;">TOFUKU</span></b> diambil
dari bahasa Inggris dan Cina <b><span style="font-weight: normal; mso-bidi-font-weight: bold;">TOFU</span></b> yang berarti tahu dan
ditambahkan nama <b><span style="font-weight: normal; mso-bidi-font-weight: bold;">KU</span></b> yang bermakna Tahu spesial dari produsen untuk
konsumennya. <b><span style="font-weight: normal; mso-bidi-font-weight: bold;">TOFUKU</span></b>
baru buka pertengahan tahun 2008 ini dan dikembangkan menjadi usaha <b><span style="font-weight: normal; mso-bidi-font-weight: bold;">kemitraan</span> </b>yang
bisa dimiliki semua orang dengan harga relatif terjangkau. </div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-list: l8 level2 lfo19; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-list: Ignore;">3.3<span style="font: 7.0pt "Times New Roman";"> </span></span></b><b style="mso-bidi-font-weight: normal;">Strategi Bers<span style="color: black;">aing
Bisnis</span> Riteil TOFUKU Untuk Memenangkan Persaingan Pasar</b></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in;">
10 str<span style="color: black;">ategi
bersaing</span> untuk <span style="color: black;">memenangkan persaingan di pasar
dalam </span>bisnis ritel TOFUKU, yaitu:</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; text-indent: .25in;">
<b>Prinsip
1: Berkomitmenlah untuk mensukseskan bisnis anda.</b><b style="mso-bidi-font-weight: normal;"> </b></div>
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Anda harus lebih mempercayainya
dibanding siapapun. Saya rasa, saya bisa mengatasi setiap hambatan karena saya
mempunyai hasrat yang sangat kuat. Saya tidak tahu apakah anda harus terlahir
dengan hasrat seperti ini, atau anda bisa mendapatkannya dengan cara
mempelajarinya. </div>
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<br /></div>
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<b>Prinsip 2. Bagikan keuntungan anda
dengan semua kolega anda, dan perlakukan mereka sebagai partner. </b></div>
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Sebagai balasannya, mereka juga akan
memperlakukan anda sebagai partner, dan bekerja bersama anda untuk mewujudkan
impian dan harapan anda yang terindah. </div>
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<br /></div>
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<b>Prinsip
3. Motivasi partner anda.</b><b style="mso-bidi-font-weight: normal;"> </b></div>
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Uang dan kepemilikan saja tidaklah
cukup. Teruslah mencari cara-cara baru dan menarik untuk memotivasi dan
mendorong partner anda. Tetapkan target yang tinggi, dorong persaingan, dan
kemudian pertahankan skore. </div>
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<br /></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; text-indent: .25in;">
<b>Prinsip
4. Komunikasikan semua yang mungkin bisa dengan partner anda.</b><b style="mso-bidi-font-weight: normal;"> </b></div>
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Semakin banyak mereka tahu, semakin
mudah mereka untuk memahami. Semakin paham mereka, semakin mereka peduli.
Begitu mereka peduli, maka tidak ada yang bisa menghentikan mereka. </div>
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<br /></div>
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<br /></div>
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<br /></div>
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<b>Prinsip
5. Hargai semua yang dilakukan oleh kolega untuk bisnis anda.</b></div>
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Gaji dan saham memang bisa membeli
kesetiaan. Tapi kita semua menyukai saat seseorang memberi tahu bahwa dia
menghargai apa yang kita lakukan untuknya. </div>
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<br /></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; text-indent: .25in;">
<b>Prinsip
6. Rayakan kesuksesan anda.</b><b style="mso-bidi-font-weight: normal;"> </b></div>
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Cari sesuatu yang lucu dalam kegagalan
anda. Jangan terlalu mengkritik diri sendiri. Jika anda tenang, maka
orang-orang disekitar anda ikut tenang. Bersenang-senanglah. Tunjukkan rasa
antusias, selalu. </div>
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<br /></div>
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<b>Prinsip 7. Dengarkan semua orang
yang ada di dalam perusahaan dan cari cara untuk membuat mereka bicara.</b><b style="mso-bidi-font-weight: normal;"> </b></div>
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Mereka yang berada di barisan terdepan,
mereka yang berbicara langsung pada konsumen, adalah yang paling tahu apa yang
sebenarnya terjadi di sana. </div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; text-indent: .25in;">
<br /></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; text-indent: .25in;">
<b>Prinsip
8. Berikan lebih dari apa yang diharapkan oleh konsumen anda.</b><b style="mso-bidi-font-weight: normal;"> </b></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in;">
Jika anda melakukannya, mereka akan
kembali dan kembali lagi. Berikan apa yang mereka inginkan, dan tambahkan
sedikit. Buat mereka jadi tahu bahwa anda menghargainya. </div>
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<br /></div>
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<b>Prinsip 9. Kendalikan pengeluaran
anda dengan cara yang lebih baik dibanding pesaing anda.</b><b style="mso-bidi-font-weight: normal;"> </b></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; text-indent: .25in;">
Disinilah
anda selalu bisa menemukan keunggulan yang kompetitif. </div>
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<br /></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in; text-indent: .25in;">
<b>Prinsip
10. Berenang melawan arus. </b></div>
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Abaikan kebijaksanaan konvensional.
Jika semua orang melakukan dengan suatu cara, maka anda punya peluang yang
bagus untuk menemukan pangsa pasar anda dengan cara melakukan yang sebaliknya.</div>
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<br /></div>
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<br /></div>
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<br /></div>
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<b>3.4 Segmen Pasar ( Target
Market)</b></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Tofuku mempunyai segmen pasar pada
semua lapisan masyarakat baik anak muda, pelajar/mahasiswa, anak-anak dan orang
tua karena menu yang disajikan bisa diterima semua orang. Lokasi penjualan yang
bisa digunakan adalah: </span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Pusat
keramain seperti Jalan Raya / Terminal</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Sekolahan
/ Kampus </span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Tempat
hiburan / rekreasi atau tempat lain yang sesuai dengan segmen pasar yang dituju</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l9 level2 lfo7; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.5<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Tujuan Kemitraan TOFUKU</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: .25in; margin-right: 0in; margin-top: 0in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l5 level1 lfo9; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Tujuan
utama Tofuku adalah mengembangkan jiwa Entrepreneur dalam masyarakat dan
penunjang perekonomian keluarga yang berdampak mengurangi tingkat pengangguran.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 1.0in; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l5 level1 lfo9; text-indent: -.25in;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Menciptakan
sistem persaingan dengan Kemitraan Asing dengan konsep kemitraan</span></div>
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<br /></div>
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<br /></div>
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<br /></div>
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<br /></div>
<div style="line-height: 150%;">
<br /></div>
<div style="line-height: 150%;">
<br /></div>
<div style="line-height: 150%;">
<br /></div>
<div style="line-height: 150%;">
<br /></div>
<div style="line-height: 150%;">
<br /></div>
<div style="line-height: 150%;">
<br /></div>
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<br /></div>
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<b>BAB IV</b></div>
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<b>KESIMPULAN</b></div>
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<br /></div>
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<b>4.1
Kesimpulan</b></div>
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<span style="mso-tab-count: 1;"> </span>Dalam ritel, pelayanan bukan hanya
terletak pada personalnya namun juga diperlukan pengembangan semua hal didalam
toko baik yang bisa diukur maupun yang tidak bisa diukur yang dapat dilakukan
untuk memuaskan pelanggan. Mengerti dampak dari citra merk produk, dan
bagaimana sebuah toko harusnya diposisikan, adalah sangat penting dalam
membangun figur toko. Banyak toko yang berhasil mencapai target penjualan
mereka dengan menawarkan produk bermerk yang bagus dan disukai konsumen dalam
pilihan produk yang luas. Namun, itu saja tidak cukup untuk menciptakan citra
toko yang unik di pikiran konsumen. Membangun citra toko membutuhkan identifikasi
yang cukup mengenai diferensiasi barang dan jasa terhadap yang ditawarkan oleh
kompetitor, yang cenderung akan meningkatkan apresiasi dari konsumen itu
sendiri. Ada banyak hal yang dapat mempengaruhi citra toko secara signifikan,
beberapa contoh: kualitas dari barang dan jasa; penampilan toko; kualitas
layanan penjualan; kualitas fasilitas toko; pengalaman dan lingkungan belanja;
perilaku pelayanan karyawan; tingkat harga; dan frekuensi promosi. Ketika toko
yeng berbeda menyediakan produk dan merk yang sama, menurut Kotler and
Armstrong (2001), sebuah produk yang ditawarkan dipasar untuk ditawarkan,
dikomsunsi, dan dimiliki. Menurut Porter (1996) seharusnya produk yang
ditawarkan memiliki keunikan tersendiri dibandingkan produk yang lain. Harga
dan promosi merupakan faktor langsung yang mempengaruhi persepsi konsumen
terhadap berbagai jenis toko dan citranya. Citra toko dalam kaitannya dengan
harga dan promosi akan dipengaruhi oleh tingkat harga rata-rata, variasi harga
musiman, dan frekuensi serta intensitas promosi (Dickson and Sawyer, 1990).
Konsumen yang berbeda memiliki persepsi yang bebeda pula terhadap keputusan
pemilihan toko, merujuk kepada perbedaan citra toko di dalam benak konsumen.
Memberikan pengalaman positif bagi pelanggan melalui semua tampilan toko,
tampilan staf, proses kerja, dan kualitas prima produk akan sangat menggerakkan
emosi positif konsumen.Pada akhirnya faktor-faktor tersebut akan mendukung
loyalitas pelanggan terhadap toko.</div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Berdasarkan uraian diatas dapatlah kita mengambil kesimpulan bahwa
sudah layaknyalah perusahaan memiliki Strategi Pemasarannya sendiri sebelum
mereka menjalankan ataupun memasarkan produk/jasanya. </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Strategi pemasaran yang dibuat hendaknya haruslah mempertimbangkan
situasi dan keadaan perusahaan baik keadaan intern perusahaan itu sendiri atau
lingkungan mikro perusahaan, maupun keadaan ekstern perusahaan atau yang
dikenal dengan lingkungan makro perusahaan. </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Perusahaan yang berjaya dan mampu mempertahankan serta
meningkatkan lagi penjulannya ditengah-tengah pesaingnya adalah perusahaan yang
telah berhasil menetapkan strategi pemasarannya serta strategi bersaingnya
dengan tepat. </span></div>
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<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Adapun penentuan strategi bersaing hendaknya dilakukan dengan
mempertimbangkan kepada besar dan posisi masing-masing perusahaan dalam pasar.
Karena perusahaan yang besar mungkin dapat menerapkan stretegi tertentu yang
jelas tidak bisa dilakukan oleh perusahaan kecil. Demikian pula sebaliknya,
bukanlah menjadi sesuatu hal yang jarang terjadi bahwa perusahaan kecil dengan
strateginya sendiri mampu menghasilkan tingkat keuntungan yang sama atau bahkan
lebih baik daripada perusahaan besar. </span></div>
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<span style="color: black;"><span style="mso-tab-count: 1;"> </span>Dengan
memperhatikan dan mempertimbangkan semua hal diatas, maka dapat dipastikan
perusahaan akan dapat menentukan dengan baik strategi pemasarannya serta
strategi bersaingnya, untuk tetap maju dan berkembang di tengah-tengah
persaingannya.</span></div>
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<div align="center" style="line-height: 150%; text-align: center;">
<b style="mso-bidi-font-weight: normal;">DAFTAR PUSTAKA</b></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in;">
http://farm1.static.flickr.com/117/313608149_7197d7894b.jpg
dan http://balaiuji.blogdetik.com/files/2010/05/supermarket-300×225.jpg</div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in;">
<a href="http://translate.google.co.id/translate?hl=id&langpair=en%7Cid&u=http://kathrynvercillo.hubpages.com/hub/5-Must-Have-Qualities-for-Running-a-Successful-Retail-Business">http://translate.google.co.id/translate?hl=id&langpair=en|id&u=http://kathrynvercillo.hubpages.com/hub/5-Must-Have-Qualities-for-Running-a-Successful-Retail-Business</a></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in;">
<a href="http://translate.google.co.id/translate?hl=id&langpair=en%7Cid&u=http://www.gia.edu/nav/toolbar/newsroom/articles-for-public/article-top20traits-to-be-successful_in-retail.html">http://translate.google.co.id/translate?hl=id&langpair=en|id&u=http://www.gia.edu/nav/toolbar/newsroom/articles-for-public/article-top20traits-to-be-successful_in-retail.html</a></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0in;">
<a href="http://www.investor.co.id/wawancara/evy-soenarjo-sukses-adalah-keselarasan/16669">http://www.investor.co.id/wawancara/evy-soenarjo-sukses-adalah-keselarasan/16669</a></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><a href="http://www.smh.com.au/small-business/managing/the-10-characteristics-of-highly-effective-retailers-20110907-1jx1i.html#ixzz1dVvAG3fG"><span style="font-family: "Calibri","sans-serif"; mso-bidi-font-family: "Times New Roman";">http://www.smh.com.au/small-business/managing/the-10-characteristics-of-highly-effective-retailers-20110907-1jx1i.html#ixzz1dVvAG3fG</span></a></span></div>
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Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-81440404260840617622012-10-16T23:41:00.001-07:002012-10-16T23:41:52.610-07:00Lamaran Kerja<!--[if gte mso 9]><xml>
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<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Malang, 9 Februari 2012</span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Hal : Lamaran Pekerjaan <br />
<br />
Kepada Yth.<br />
<b>Kepala Human Resources Department<br />
PT. Astra Honda Motor - Head Office</b></span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Dengan hormat,</span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Sesuai dengan penawaran lowongan
pekerjaan </span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">PT. Astra Honda Motor</span><span lang="IN" style="font-family: "Times New Roman","serif"; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;"> yang saya terima dari JPC (<i style="mso-bidi-font-style: normal;">Job
Placement Center) </i>Politeknik Negeri Malang, s</span><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">aya mengajukan diri untuk bergabung sebagai calon
pekerja di </span><span lang="IN" style="font-family: "Arial","sans-serif"; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">PT. </span><span lang="IN" style="font-family: "Times New Roman","serif"; mso-bidi-font-weight: bold; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Astra Honda Motor.</span><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;"></span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Data singkat
saya seperti berikut : </span></div>
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<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Nama<span style="mso-tab-count: 3;"> </span>:
Anggi Suroprayogo<br />
Tempat<span style="mso-spacerun: yes;"> </span>& Tgl.<span style="mso-spacerun: yes;"> </span>Lahir<span style="mso-tab-count: 1;"> </span>:
Malang, 12 Juli 1991<br />
Alamat<span style="mso-tab-count: 3;"> </span>: </span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Jalan
kerto asri 82 B, RT 08, RW 01 , Kel. Ketawanggede,<span style="mso-spacerun: yes;"> </span></span><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: 21.3pt; tab-stops: 106.35pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;"><span style="mso-tab-count: 3;"> </span><span style="mso-spacerun: yes;"> </span>Kec. </span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Lowokaru,<span style="mso-spacerun: yes;"> </span>Malang, Jawa Timur, Indonesia</span><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: 21.3pt; tab-stops: 106.35pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">No. Telepon, e-mail<span style="mso-tab-count: 1;"> </span>: 085755763610, suro_prayogo@yahoo.com<br />
Status Perkawinan<span style="mso-tab-count: 1;"> </span><span style="mso-tab-count: 2;"> </span>: Belum Menikah</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Latar
belakang pendidikan saya <span style="mso-spacerun: yes;"> </span>memuaskan
dengan IPK 3.37 (skala 4.00) <span style="mso-spacerun: yes;"> </span>mulai
semester I - IV, <span style="mso-spacerun: yes;"> </span>serta memiliki
kemampuan berorganisasi yang baik. Saya akan lulus pada bulan Juni 2012. <span style="mso-spacerun: yes;"> </span>Saya memiliki kondisi kesehatan yang sangat
baik, mampu beradaptasi dengan cepat, bertanggung jawab dan dapat bekerja
sendiri maupun bekerja sama secara tim</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Sebagai
bahan pertimbangan, saya lampirkan : </span></div>
<ol start="1" type="1">
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Pas foto terbaru.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Fotokopi KTP</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><i style="mso-bidi-font-style: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Curriculum
vitae</span></i></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Fotokopi KHS semester 1-4.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Fotokopi KK orang tua</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Fotokopi akta kelahiran.</span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in;"><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Surat Keterangan Organisasi</span></li>
</ol>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Demikian
surat lamaran ini saya buat. Besar harapan saya untuk dapat bergabung di
perusahaan yang Bapak/Ibu pimpin. Atas perhatian dan kebijakan Bapak/Ibu saya
sampaikan terima kasih.</span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;"><span style="mso-tab-count: 9;"> </span><span style="mso-spacerun: yes;"> </span>Hormat saya,<span style="mso-spacerun: yes;"> </span><br />
<br style="mso-special-character: line-break;" />
<br style="mso-special-character: line-break;" />
</span><span lang="IN" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;"></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span lang="IN" style="font-family: "Arial","sans-serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;"><br />
<br />
<b><span style="mso-tab-count: 9;"> </span><span style="mso-spacerun: yes;"> </span>Anggi Suroprayogo</b></span></div>
<div class="MsoTitle" style="margin-right: -1.9pt; tab-stops: 390.15pt;">
<br /></div>
<div class="MsoTitle" style="margin-right: -1.9pt; tab-stops: 390.15pt;">
<br /></div>
<div class="MsoTitle" style="margin-right: -1.9pt; tab-stops: 390.15pt;">
<br /></div>
<div class="MsoTitle" style="margin-right: -1.9pt; tab-stops: 390.15pt;">
<br /></div>
<div class="MsoTitle" style="margin-right: -1.9pt; tab-stops: 390.15pt;">
<i style="mso-bidi-font-style: normal;"><span style="font-family: "Times New Roman","serif"; mso-bidi-font-size: 14.0pt;">CURRICULUM VITAE</span></i><i style="mso-bidi-font-style: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; mso-ansi-language: IN; mso-bidi-font-size: 14.0pt;"></span></i></div>
<h1 style="tab-stops: 0in;">
<span lang="IN" style="background: silver; font-family: "Times New Roman","serif"; mso-ansi-language: IN; mso-highlight: silver;"><span style="text-decoration: none;"> </span></span></h1>
<h1 style="tab-stops: 0in;">
<span lang="IT" style="background: silver; font-family: "Times New Roman","serif"; mso-ansi-language: IT; mso-highlight: silver;">A. DATA
PRIBADI<span style="mso-spacerun: yes;">
</span></span></h1>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span lang="IT" style="font-family: "Times New Roman","serif"; mso-ansi-language: IT;">Nama lengkap</span></b><span lang="IT" style="font-family: "Times New Roman","serif"; mso-ansi-language: IT;"><span style="mso-tab-count: 2;"> </span>: </span><span lang="IN" style="font-family: "Times New Roman","serif";">Anggi Suroprayogo</span></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;">Nama
panggilan</span></b><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;"><span style="mso-tab-count: 1;"> </span>: </span><span lang="IN" style="font-family: "Times New Roman","serif";">Anggi</span></div>
<div class="MsoNormal" style="tab-stops: 106.35pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif";">Jenis
Kelamin<span style="mso-spacerun: yes;"> </span></span></b><span lang="IN" style="font-family: "Times New Roman","serif";">: Laki-laki</span></div>
<div class="MsoNormal" style="tab-stops: 106.35pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif";">Agama<span style="mso-tab-count: 1;"> </span></span></b><span lang="IN" style="font-family: "Times New Roman","serif";">: Islam</span></div>
<div class="MsoNormal" style="tab-stops: 106.35pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;">Alamat rumah </span></b><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;"><span style="mso-tab-count: 1;"> </span></span><span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-tab-count: 1;"> </span></span><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;">: </span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Jalan kerto asri 82 B,
RT 08, RW 01 , Kel. Ketawanggede,<span style="mso-spacerun: yes;">
</span></span></div>
<div class="MsoNormal" style="margin-left: 21.3pt; tab-stops: 106.35pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;"><span style="mso-tab-count: 2;"> </span><span style="mso-spacerun: yes;"> </span>Kec. </span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Lowokaru,<span style="mso-spacerun: yes;"> </span>Malang, Jawa Timur, Indonesia</span><span lang="IN" style="font-family: "Times New Roman","serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;"></span></div>
<div class="MsoHeader" style="line-height: 150%; tab-stops: .5in;">
<b style="mso-bidi-font-weight: normal;"><span lang="FI" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: FI;">Susunan keluarga</span></b><span lang="FI" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: FI;"> <span style="mso-tab-count: 1;"> </span>:
</span><span lang="IN" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: IN;">A</span><span lang="FI" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: FI;">nak </span><span lang="IN" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: IN;">kedua</span><span lang="FI" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: FI;"> dari </span><span lang="IN" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: IN;">tiga bersaudara</span></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;">Tempat/Tanggal
lahir</span></b><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;"><span style="mso-tab-count: 1;"> </span>: </span><span lang="IN" style="font-family: "Times New Roman","serif";">Malang / 12 Juli 1991</span></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;">Bahasa yang dikuasai</span></b><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;"><span style="mso-tab-count: 1;"> </span>: Indonesia, Inggris</span><span lang="IN" style="font-family: "Times New Roman","serif";"></span></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;">Status
Pernikahan<span style="mso-tab-count: 1;"> </span></span></b><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;">:</span><span lang="FI" style="font-family: "Times New Roman","serif";"> </span><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;">Belum
Menikah</span></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span lang="SV" style="font-family: "Times New Roman","serif"; mso-ansi-language: SV;">Golongan
Darah<span style="mso-tab-count: 1;"> </span></span></b><span lang="SV" style="font-family: "Times New Roman","serif"; mso-ansi-language: SV;">:</span><span lang="IN" style="font-family: "Times New Roman","serif";"> A</span></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span lang="SV" style="font-family: "Times New Roman","serif"; mso-ansi-language: SV;">Tinggi /
Berat badan</span></b><span lang="SV" style="font-family: "Times New Roman","serif"; mso-ansi-language: SV;"><span style="mso-tab-count: 1;"> </span>:</span><span lang="SV" style="font-family: "Times New Roman","serif";"> </span><span lang="SV" style="font-family: "Times New Roman","serif"; mso-ansi-language: SV;">1</span><span lang="IN" style="font-family: "Times New Roman","serif";">68</span><span lang="SV" style="font-family: "Times New Roman","serif"; mso-ansi-language: SV;"> cm / </span><span lang="IN" style="font-family: "Times New Roman","serif";">61</span><span lang="SV" style="font-family: "Times New Roman","serif"; mso-ansi-language: SV;"> kg</span><span lang="IN" style="font-family: "Times New Roman","serif";"></span></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-spacerun: yes;"> </span>No. Telepon<span style="mso-tab-count: 2;"> </span></span></b><span lang="IN" style="font-family: "Times New Roman","serif";">: 085755763610</span></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;">Alamat
E-mail</span></b><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;"><span style="mso-tab-count: 1;"> </span></span><span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-tab-count: 1;"> </span></span><span lang="FI" style="font-family: "Times New Roman","serif"; mso-ansi-language: FI;">:</span><span lang="FI" style="font-family: "Times New Roman","serif";">
</span><span lang="IN" style="color: #3366ff; font-family: "Times New Roman","serif";">suro_prayogo@yahoo.com</span><span lang="IN" style="font-family: "Times New Roman","serif";"></span></div>
<div class="MsoNormal">
<br /></div>
<h2 style="tab-stops: 0in;">
<u><span lang="FI" style="background: silver; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: FI; mso-highlight: silver;">B. </span></u><u><span lang="IN" style="background: silver; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-highlight: silver;">RIWAYAT PENDIDIKAN</span></u><u><span lang="FI" style="background: silver; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: FI; mso-highlight: silver;"><span style="mso-spacerun: yes;">
</span></span></u></h2>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">1997
– 2003<span style="mso-tab-count: 1;"> </span>SDN Ketawanggede I Malang</span></div>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">2002
– 2005 <span style="mso-tab-count: 1;"> </span>SMP Negeri 4 Malang </span></div>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">2005
– 2008 <span style="mso-tab-count: 1;"> </span>SMA Negeri 4 Malang</span></div>
<div class="MsoNormal" style="margin-left: 70.9pt; tab-stops: 63.8pt; text-indent: -70.9pt;">
<span lang="IN" style="font-family: "Times New Roman","serif";">2008 – 2011
<span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span>D3 Teknik Mesin, Konsentrasi Instalasi,
perawatan dan perbaikan Politeknik Negeri Malang</span></div>
<div class="MsoNormal" style="margin-left: .5in; text-indent: .5in;">
<br /></div>
<h1 style="tab-stops: 0in;">
<span lang="IN" style="background: silver; font-family: "Times New Roman","serif"; mso-ansi-language: IN; mso-highlight: silver;">C</span><span lang="FI" style="background: silver; font-family: "Times New Roman","serif"; mso-ansi-language: FI; mso-highlight: silver;">. </span><span lang="IN" style="background: silver; font-family: "Times New Roman","serif"; mso-ansi-language: IN; mso-highlight: silver;">PENGETAHUAN KOMPUTER</span><span lang="FI" style="background: silver; font-family: "Times New Roman","serif"; mso-ansi-language: FI; mso-highlight: silver;"><span style="mso-spacerun: yes;">
</span></span><span lang="IN" style="background: silver; font-family: "Times New Roman","serif"; mso-ansi-language: IN; mso-highlight: silver;"></span></h1>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">Software
Pengolah Kata dan Data<span style="mso-tab-count: 1;"> </span>: Microsoft
Office (Word, Excell, Power Point)</span></div>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">Software
Engineering<span style="mso-tab-count: 3;"> </span>:
CATIA</span></div>
<div class="MsoNormal">
<br /></div>
<h1 style="tab-stops: 0in;">
<span lang="IN" style="background: silver; font-family: "Times New Roman","serif"; mso-ansi-language: IN; mso-highlight: silver;"><span style="text-decoration: none;"> </span></span></h1>
<h1 style="tab-stops: 0in;">
<span lang="IN" style="background: silver; font-family: "Times New Roman","serif"; mso-ansi-language: IN; mso-highlight: silver;"><span style="text-decoration: none;"> </span></span></h1>
<h1 style="tab-stops: 0in;">
<span lang="IN" style="background: silver; font-family: "Times New Roman","serif"; mso-ansi-language: IN; mso-highlight: silver;">D</span><span style="background: silver; font-family: "Times New Roman","serif"; mso-highlight: silver;">. </span><span lang="IN" style="background: silver; font-family: "Times New Roman","serif"; mso-ansi-language: IN; mso-highlight: silver;">PENGALAMAN LEADERSHIP
DAN ORGANISASI<span style="mso-spacerun: yes;">
</span></span><span style="background: silver; font-family: "Times New Roman","serif"; mso-highlight: silver;"><span style="mso-spacerun: yes;"> </span></span><span lang="IN" style="background: silver; font-family: "Times New Roman","serif"; mso-ansi-language: IN; mso-highlight: silver;"></span></h1>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">1999-2003<span style="mso-tab-count: 1;"> </span>Anggota Pramuka SDN Ketawanggede I Malang</span></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: -1.0in;">
<span lang="IN" style="font-family: "Times New Roman","serif";">2004-2005<span style="mso-tab-count: 1;"> </span>Sekretaris Bidang Kehormatan Dan Keterampilan Siswa OSIS SMPN 4<span style="mso-spacerun: yes;"> </span>Malang</span></div>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">2006-2009<span style="mso-tab-count: 1;"> </span>Ketua Tim Bola Voli SMAN 4 Malang</span></div>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">2008-2009<span style="mso-tab-count: 1;"> </span>Anggota Klub Fisika SMAN 4 Malang</span></div>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">2008-2009<span style="mso-tab-count: 1;"> </span>Anggota Badan Dakwah Islam SMAN 4 Malang</span></div>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">2010
<span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span><span style="mso-tab-count: 1;"> </span>Anggota Tim Bola Voli Politeknik
Negeri Malang pada PORSENI VIII Poltek </span></div>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-spacerun: yes;"> </span>Se- Indonesia di
Bandung tahun 2010</span></div>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">2010
- 2012<span style="mso-tab-count: 1;"> </span>Ketua Komisi III Dewan
Perwakilan Mahasiswa Politeknik Negeri Malang</span></div>
<div class="MsoNormal">
<br /></div>
<h3 style="tab-stops: 0in;">
<span lang="IN" style="background: silver; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-highlight: silver;">E</span><span lang="SV" style="background: silver; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: SV; mso-highlight: silver;">. </span><span lang="IN" style="background: silver; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-highlight: silver;">HOBI</span><span lang="SV" style="background: silver; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: SV; mso-highlight: silver;"><span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span></span></h3>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">1.
Olahraga (Bola Voli, Futsal, Fitness)</span></div>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">2.
Membaca Buku</span></div>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";">3.
Menonton Film, acara TV<span style="mso-spacerun: yes;"> </span>dokumenter dan
sains (National Geographic, History, Discovery<span style="mso-spacerun: yes;">
</span></span></div>
<div class="MsoNormal">
<span lang="IN" style="font-family: "Times New Roman","serif";"><span style="mso-spacerun: yes;"> </span>Channel, Nat Geo Wild)</span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span lang="IN" style="font-family: "Times New Roman","serif";">Demikian daftar riwayat hidup ini saya buat dengan
selengkapnya dan sebenar-benarnya, guna memberikan gambaran informasi tentang
kemampuan serta kualifikasi dan kompetensi plus kredibilitas kami untuk
menunjang kesuksesan dan pencapaian target perusahaan yang Bapak atau Ibu
Pimpin.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal" style="margin-left: 318.95pt;">
<span lang="PT-BR" style="font-family: "Times New Roman","serif"; mso-ansi-language: PT-BR;">Hormat
Saya,</span></div>
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<br /></div>
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<div class="MsoNormal" style="margin-left: 318.95pt;">
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<div class="MsoNormal" style="margin-left: 318.95pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif";">Anggi Suroprayogo</span></b></div>
Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-28914648859502259212012-10-16T23:37:00.002-07:002012-10-16T23:37:21.936-07:00Graduated<div style="text-align: center;">
<span style="font-family: Arial,Helvetica,sans-serif;">Tararaa... </span></div>
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<span style="font-family: Arial,Helvetica,sans-serif;">Bouquet of Pororo Rose</span></div>
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<span style="font-family: Arial,Helvetica,sans-serif;"><br /></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinpn9_GueWvgZuWbFlWgIfNvNcJbvzZCiuoocNe0WCG578Ik38UHOQcCM_K9uPJiuFpfLLhiqNLMw0EBZVI8pkDkFM8x9XMIApLcxXSdFvlfPRmBQBQHfVGHQudaWXUCMqKgQJ7o3dkD-F/s1600/hkjk.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinpn9_GueWvgZuWbFlWgIfNvNcJbvzZCiuoocNe0WCG578Ik38UHOQcCM_K9uPJiuFpfLLhiqNLMw0EBZVI8pkDkFM8x9XMIApLcxXSdFvlfPRmBQBQHfVGHQudaWXUCMqKgQJ7o3dkD-F/s320/hkjk.JPG" width="240" /></a></div>
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<span style="font-family: Arial,Helvetica,sans-serif;"> </span>ini karangan bunga wisuda karyaku.... Lucu yaaa... ^^</div>
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<div style="text-align: center;">
Wisuda Politeknik Negeri Malang angkatan 2009 at Graha Samanta Krida Univ.Brawijaya Malang</div>
<div style="text-align: center;">
hari itu banjir Mahasiswa-Mahasiswi tawa bahagia dan bunga bunga. Selamat Selamat buat Mas-mas dan Mbak-Mbak, semoga sukses dan bermanfaat... Ammiiiinnn... Kami akan menyusul tahun depan!!! \^_^/</div>
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Momen-momen Alumni 2009 Dewan Perwakilan Mahasiswa</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhbyKFdwyvoiS6mr-MNZjRAbf0LpBlsyQxKAU569EetSRISFdOGIfrTtLdg8FHwdsxlsbQP0rAZ8AakxnTH4oVtHow3N1_t7qjft2O-8MbskbT413BBTQ3wy58rcDLM1CAP-kmXCvM46Eg/s1600/tugkjh.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjhbyKFdwyvoiS6mr-MNZjRAbf0LpBlsyQxKAU569EetSRISFdOGIfrTtLdg8FHwdsxlsbQP0rAZ8AakxnTH4oVtHow3N1_t7qjft2O-8MbskbT413BBTQ3wy58rcDLM1CAP-kmXCvM46Eg/s320/tugkjh.jpg" width="320" /></a></div>
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So sweett :) :)</div>
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its me and Mas Anggi Suroprayogo A.Md</div>
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hahahaaa</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGqek_S1gp8B70vHINOLE70khUMxdDtrngLth-68sc0lj08_uxaqBfcPQpG5mLiQi23XfC_u7tIelnU-CA7Yd8ZYjz3IvKK-mlEe4VEajdvAPtwOjw24s16PiSKBclpXq7aa8XcTNg1f2F/s1600/gkj.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHdimdG3TJ1AeBnrX0t_rcMDfX4HdFR0qP1Vy2Jfd76Gn1iI_KCe0iIMS_bM1DNnL1vV3ZIp9RNW72MKCxRDyb2cap1qfoqzYPOYeRnsoQSRhOzBMsBgRnFTTAuqCMg8XQWeIL8adycdFs/s1600/DSCN2751.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHdimdG3TJ1AeBnrX0t_rcMDfX4HdFR0qP1Vy2Jfd76Gn1iI_KCe0iIMS_bM1DNnL1vV3ZIp9RNW72MKCxRDyb2cap1qfoqzYPOYeRnsoQSRhOzBMsBgRnFTTAuqCMg8XQWeIL8adycdFs/s320/DSCN2751.JPG" width="240" /></a></div>
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again....</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGqek_S1gp8B70vHINOLE70khUMxdDtrngLth-68sc0lj08_uxaqBfcPQpG5mLiQi23XfC_u7tIelnU-CA7Yd8ZYjz3IvKK-mlEe4VEajdvAPtwOjw24s16PiSKBclpXq7aa8XcTNg1f2F/s1600/gkj.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="296" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGqek_S1gp8B70vHINOLE70khUMxdDtrngLth-68sc0lj08_uxaqBfcPQpG5mLiQi23XfC_u7tIelnU-CA7Yd8ZYjz3IvKK-mlEe4VEajdvAPtwOjw24s16PiSKBclpXq7aa8XcTNg1f2F/s320/gkj.JPG" width="320" /></a> </div>
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Hmm.... you Look so Handsome ^^</div>
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Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-82793354781822406602012-10-16T16:22:00.002-07:002012-10-19T20:53:54.692-07:00"PeceL"<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaMmja4wtoe6109k9EDRhSm2U5Hh4MQZ0LLMZRq1oiv6ruPryq_OI5Uzd3K1VDWblmT9IRFBTffzNyPGws-5jPfmMThLUGu5YJ9oQDeWTPHZleVXvWGVI69YnzuUxbNDqFZSqIT20XZxy0/s1600/DSCN2450.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhaMmja4wtoe6109k9EDRhSm2U5Hh4MQZ0LLMZRq1oiv6ruPryq_OI5Uzd3K1VDWblmT9IRFBTffzNyPGws-5jPfmMThLUGu5YJ9oQDeWTPHZleVXvWGVI69YnzuUxbNDqFZSqIT20XZxy0/s320/DSCN2450.JPG" width="320" /></a></div>
<div style="text-align: center;">
"Pemadam Kelaparan anak Kost"</div>
<div style="text-align: center;">
pas lagi kelaparan dan duit ngepas, akhirnya bikin pecel ala sendiri. hasilnya gg kalah sama masakannya chef" lhoo.. hahahahaha.. yummy</div>
<div style="text-align: center;">
* telur orak-arik</div>
<div style="text-align: center;">
*kecambah hijau</div>
<div style="text-align: center;">
* rempeyek</div>
<div style="text-align: center;">
* sambal Pecel dari Madiun dari Mas Ari... ^_^</div>
<br />Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-86631001587155595422012-10-16T16:17:00.000-07:002012-10-16T16:17:39.259-07:00Makalah Perbankkan<!--[if !mso]>
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<div align="center" class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; text-align: center;">
<span class="fullpost"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">BAB II</span></b></span></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; text-align: center;">
<span class="fullpost"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">LANDASAN
TEORI</span></b></span></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; text-align: center;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 25.1pt; mso-add-space: auto; mso-list: l9 level2 lfo2; text-indent: -.25in;">
<span class="fullpost"><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.1<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b></span><span class="fullpost"><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">PENGERTIAN BANK</span></b></span><span class="fullpost"><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></b></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; tab-stops: 56.7pt; text-indent: 35.4pt;">
<span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Dalam dunia modern saat ini peranan bank dalam
memajukan perekonomian suatu Negara sangatlah besar. Hampir semua sector yang
berhubungan dengan berbagai kegiatan keuangan selalu membutuhkan jasa bank.</span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; tab-stops: 56.7pt; text-indent: 35.4pt;">
<span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Secara sederhana bank diartikan sebagai lembaga
keuangan yang kegiatan usahanya adalah menghimpun dana dari masyarakat dan
menyalur kembali dana tersebut ke masyarakat serta memberikan jasa-jasa bank
lainnya. Lembaga keuangan adalah setiap perusahaan yang bergerak dibidang
keuangan dimana kegiatannya hanya menghimpun dana atau hanya menyalurkan dana
atau kedua-duanya.</span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; tab-stops: 56.7pt; text-indent: 35.4pt;">
<span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Menurut Undang-Undang Nomor 10 tahun 1998 yang
dimaksud bank adalah badan usaha yang menghimpun dana dari masyarakat dalam
bentuk simpanan dan menyalurkannya ke masyarakat dalam bentuk kredit dan atu
bentuk-bentuk lainnya dalam rangka meningkatkan taraf hidup rakyat.</span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; tab-stops: 56.7pt; text-indent: 35.4pt;">
<span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Dari kedua definisi diatas dapat disimpulkan bahwa
bank merupakan lembaga keuangan yang kegiatanya adalah:</span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 92.7pt; mso-add-space: auto; mso-list: l10 level1 lfo1; tab-stops: 56.7pt; text-indent: -.25in;">
<span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></span><span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Menghimpun dana (uang) dari masyarakat<span style="mso-spacerun: yes;"> </span>dalam bentuk simpanan, maksudnya dalam hal
ini bank sebagai tempat menyimpan uang atau berinvestasi bagi masyarakat .
Tujuan utama masyarakat menyimpan uang adlah untuk keamanan uang. Tujuan kedua
adalah untuk melakukan investasi dengan harapan memperoleh bunga dari hasil
simpanannya. Tujuan lainnya adlah untuk memudahkam melakukan transaksi pembayaran.
Secara umum jenis simpanan yang ada di bank adlah terdiri dari simpanan giro
(demand deposit). Simpanan tabungan (saving deposit) dan simpanan deposito
(time deposit).</span></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 92.7pt; mso-add-space: auto; mso-list: l10 level1 lfo1; tab-stops: 56.7pt; text-indent: -.25in;">
<span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></span><span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Menyalurkan dana ke masyarakat, maksudnya adalah bank
memberikan pinjaman (kredit) kepada masyarakat yang mengajukan permohonan.
Sebelum kredit diberikan oleh bank terlebih dahulu menilai apakah kredit
tersebut layak diberikan atau tidak. Penilaian ini dilakukan agar bank
terhindar dari kerugian akibat tidak dapat dikembalikannya pinjaman yang
disalurkan bank dengan berbagai sebab. Jenis kredit yang biasa diberikan oleh
bank adalah kredit investasi, kredit modal krja dan kredit perdagangan.</span></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 92.7pt; mso-add-space: auto; mso-list: l10 level1 lfo1; tab-stops: 56.7pt; text-indent: -.25in;">
<span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></span><span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Memberikan jasa jasa bank lainnya, seperti pengiriman
uang (transfer), penagihansurat-surat berharga berasal dari dalam kota
(clearing), penagihan surat-surat berharga yang berasal dari luar kota dan luar
negeri (inkaso), letter of credit (L/C), safe deposit box, bank garasi, bank
notes, travelers cheque dan jasa lainnya. Jasa-jasa bank lainnya ini merupakan
jasa pendukung dari kegiatan pokok bank yaitu menghimpun dan menyalurkan dana.</span></span></div>
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<span style="mso-ignore: vglayout;">
</span></div>
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<span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"> </span></span>
<br />
<div class="MsoNormal" style="line-height: 150%;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; tab-stops: 21.3pt 56.7pt;">
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<div class="MsoNormal" style="line-height: 150%; margin-left: 21.3pt; tab-stops: 56.7pt; text-indent: 35.45pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Gambar 1 secara
ringkas kegiatan bank sebagai lembaga keuangan.<span class="fullpost"></span></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 21.3pt; tab-stops: 56.7pt; text-indent: 35.4pt;">
<span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Juga
dapat disimpulkan bahwa bank adalah lembaga perantara keuangan antara
masyarakat yang kelebihan dana dan masyarakat yang kekurangan dana. Masyarakat
yang kelebihan dana menginvestasikan uang mereka ke bank agar lebih aman
terhindar dari kehilangan atau kerusakan. Kemudian oleh bank disalurkan kembali
ke masyarakat yang kekurangan dana.</span></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 21.3pt; tab-stops: 56.7pt; text-indent: 35.4pt;">
<span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Secara
ringkas fungsi bank sebagai perantara keuangan dapat dilihat dalam gambar 2
berikut.</span></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 21.3pt; tab-stops: 56.7pt; text-indent: 35.4pt;">
<span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"><span style="mso-tab-count: 5;"> </span></span></span></div>
<br />
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<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; tab-stops: 56.7pt;">
<span class="fullpost"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; tab-stops: 56.7pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"><span style="mso-tab-count: 1;"> </span>Arus perputaran uangyang ada di bank
dari masyarakat kembali ke masyarakat, dimana bank sebagai perantara dijelaskan
sebagai berikut:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l7 level1 lfo4; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Nasabah
(masyarakat) yang kelebihan dana menyimpan uangnya di bank dalam bentuk
simpanan Giro, Tabungan atau Deposito.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l7 level1 lfo4; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Nasabah
penyimpan akan memperoleh balas jasa dari bank berupa bunga bagi bank
konvensional dan bagi hasil bagi bank yang berdasarkan prinsip syariah.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l7 level1 lfo4; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Kemudian oleh
bank dana yang disimpan oleh nasabah di bank yang bersangkutan disalurkan
kembali (dijual) kepada masyarakat yang kekurangan atau membutuhkan dana dalam
bentuk pinjaman/kredit.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l7 level1 lfo4; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Bagi masyarakat
yang memperoleh pinjeman atau kredit dari bank, diwajibkan kembali untuk
mengembalikan pinjeman tersebut beserta bunga yang telah ditetapkan sesuai
perjanjian antara bank dengan nasabah.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; tab-stops: 56.7pt;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 25.1pt; mso-add-space: auto; mso-list: l9 level2 lfo2; tab-stops: 56.7pt; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.2<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">LEMBAGA
KEUANGAN BANK</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 25.1pt; mso-add-space: auto; tab-stops: 56.7pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"><span style="mso-tab-count: 1;"> </span>Lembaga Keuangan Bank di Indonesia
ada 3 yaitu:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l8 level1 lfo14; tab-stops: 56.7pt; text-indent: -.55pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Bank Sentral</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 49.65pt; mso-add-space: auto; tab-stops: 56.7pt; text-indent: -13.65pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"><span style="mso-tab-count: 3;"> </span>Merupaka
Bank yang mengatur berbagai kegiatan yang berkaitan dengan dnia perbankan dan
keuangan di suatu Negara. Bank yang memperoleh hak untuk mengedarkan uang logam
dan uang kertas. Di Indonesia fungsi bank di pegang oleh bank Indonesia (BI).
Fungsi Bank Indonesia disamping menjadi bank sentral adalah sebagai bank
sirkulasi bank to bank dan leader of the last resort. Tujuan utama bank
Indonesia sebagai bank sentral adalah mencapai dan memelihara kestabilan nilai
rupiah.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l8 level1 lfo14; tab-stops: 56.7pt; text-indent: -.55pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Bank Umum</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 49.65pt; mso-add-space: auto; tab-stops: 56.7pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"><span style="mso-tab-count: 2;"> </span>Merupakan bank yang bertugas melayani
seluruh jasa-jasa perbankkan dan melayani segenap lapisan masyarakat , baik
masyarakat perorangan maupun lembaga-lembaga lainnya. Begitu pula dengan
wilayah operasinya dapat dilakukan diseluruh wilayah Indonesia, bahkan keluar
negeri (cabang). Bank umum juga dikenal dengan nama bank komersil (commercial
bank) dan dikelompokkan kedalam 2 jenis, yaitu: bank umum devisa dan bank umum
non devisa.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l8 level1 lfo14; tab-stops: 56.7pt; text-indent: -.55pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Bank
Pengkreditan Rakyat</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 49.65pt; mso-add-space: auto; tab-stops: 56.7pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"><span style="mso-tab-count: 2;"> </span>Merupakan bank yang khusus melayani
masyarakat kecil dikecamatan dan pedesaan. Bank pengkreditan rakyatberasal dari
bank desa, bank pasar, lumbung desa, bank pegawai, dan bank lainnya yang
kemudian dilembur menjadi bank pengkreditan rakyat. Dan Bank Pengkreditan
Rakyat adalah bank yang melaksanakan kegiatan usaha secara konvensionalatau
berdasarkan prinsip syariah. Dalam kegiatanya BPR tidak memberikan jasa dalam
lalu lintas pembayaran. Artinya jasa-jasa yang ditawarkan BPR lebih sempit jika
dibandingkan dengan kegiatan atau jasa bank umum.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 49.65pt; mso-add-space: auto; tab-stops: 56.7pt;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 28.35pt; mso-add-space: auto; mso-list: l9 level2 lfo2; tab-stops: 56.7pt; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.3<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">LEMBAGA
KEUANGAN BUKAN BANK</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Lembaga keuangan
bukan bank ada 4 yaitu:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo11; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Leasing</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo11; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Modal Ventura</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo11; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Asuransi</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo11; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Dana Pensiun</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 53.45pt; mso-add-space: auto; mso-list: l11 level1 lfo12; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">A.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Leasing</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-indent: .5in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Istilah
leasing berasal dari bahasa Inggris to lease yang berarti menyewakan.<span style="mso-spacerun: yes;"> </span>Istilah ini berbeda dari istilah rent/rental.</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"> </span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Untuk memenuhi
kebutuhan masyarakat di bidang pembiayaan, dibuatlah keputusan bersama Menteri
Keuangan, Menteri Perindustrian, dan Menteri Perdagangan No. 3/Kpb/I/74
tertanggal 7 Januari 1974 tentang Perizinan Usaha Leasing.<span style="mso-spacerun: yes;"> </span>Selanjutnya, Meneteri Keuangan mengeluarkan
Surat Keptutsan No. 649/MK/5/1974 tertanggal 6 Mei 1974 yang mengatur mengenai
ketentuan tata cara perizinan dan kegiatan leasing di Indonesia.<span style="mso-spacerun: yes;"> </span>Untuk mendukung perkembangannya, Menteri
Keuangan mengeluarkan Surat Keputusan No.650/MK/5/1974 tertanggal 6 Mei 1974
tentang penegasan ketentuan pajak penjualan dan besarnya bea materai terhadap
usaha leasing.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-indent: .5in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Dengan
dikeluarkannya kebijakan deregulasi 20 Desember 1988 atau disebut Pakdes 88,
kegiatan usaha leasing termasuk dalam perusahaan pembiayaan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Leasing
memberikan kemungkinana untuk memperoleh alat perlengkapan dan fasilitas yang
diperlukan walaupun keuangan untuk itu tidak dapat segera disediakan.<span style="mso-spacerun: yes;"> </span>Dengan demikian, menambah efisiensi dari
keuangan uang ada dan mencegah kesulitan dalam hal administrasi.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-indent: .5in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">UNSUR-UNSUR
PERJANJIAN LEASE</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l4 level1 lfo7; text-indent: -.25in;">
<span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Supplier</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Supplier adalah pihak yang memberikan
jasa pembiayaan kepada pihak supplier dalam bentuk barang modal.<span style="mso-spacerun: yes;"> </span>Supplier mendapatkan kembali dana yang
dikeluarkan untuk membiayai penyediaan barang modal yang diterima supplier
dengan memperoleh keuntungan.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l4 level1 lfo7; text-indent: -.25in;">
<span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Supplier</span></b><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Supplier adalah pihak yang menikmati
barang tersebut dengan membayar sewa (leasing) dan yang mempunyai hak opsi.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l4 level1 lfo7; text-indent: -.25in;">
<span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Kreditor
atau Lender</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Dalam suatu perjanjian leasing atau
kontrak leasing, pihak bank atau kreditor atau lender yang disebut juga
debtholder tidak terlibat secara langsung.<span style="mso-spacerun: yes;">
</span>Bank memegang peranan dalam penyediaan dana bagi supplier.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l4 level1 lfo7; text-indent: -.25in;">
<span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Supplier</span></b><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Supplier adalah perusahaan atau pihak
yang mengadakan atau menyediakan barang yang dijual kepada supplier dengan
pembayaran tunai oleh supplier.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"></span></div>
<div class="MsoNormal" style="line-height: 150%;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; tab-stops: 49.6pt; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; tab-stops: 49.6pt; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"><span style="mso-tab-count: 2;"> </span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Keterangan Gambar</span></b></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l3 level1 lfo8; tab-stops: 49.6pt; text-indent: -11.45pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Supplier
mengubungi supplier untuk pemilihan dan menentukan jenis barang, spesifikasi,
harga, jangka waktu penagihan, dan jaminan purnajual atas barang yang akan di
lease.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l3 level1 lfo8; tab-stops: 49.6pt; text-indent: -11.45pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Lesse
berunding dengan supplier mengenai kebutuhan pembiayaan barang modal.<span style="mso-spacerun: yes;"> </span>Supplier dapat meminta lease quotation
(syarat-syarat pokok pembiayaan leasing) yang berisi antara lain: keterangan
barang, harga barang, cash security deposit, residual value, asuransi, biaya
administrasi, jaminan uang sewa (lease rental), dan persyaratan-persyaratan
lainnya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l3 level1 lfo8; tab-stops: 49.6pt; text-indent: -11.45pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Supplier
mengirimkan letter of offer atau commitment letter kepada supplier yang berisi
syarat-syarat pokok persetujuan supplier untuk membiayai barang modal yang
dibutuhkan supplier.<span style="mso-spacerun: yes;"> </span>Jika setuju dengan
commitment letter, lalu ditandatangani oleh supplier dan dikembalikan kepada
supplier.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l3 level1 lfo8; tab-stops: 49.6pt; text-indent: -11.45pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Penandatanganan
kontrak leasing dilakukan setelah semua persyaratan dipenuhi supplier.<span style="mso-spacerun: yes;"> </span>Persetujuan atau kontrak tersebut mencakup
pihak-pihak yang terlibat, hak milik, jangka waktu, jasa leasing, opsi bagi
lease, penutupan asuransi, tanggung jawab atas objek leasing, perpajakan,
jadwal pembayaran angsuran sewa, dan sebagainya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l3 level1 lfo8; tab-stops: 49.6pt; text-indent: -11.45pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Pengiriman
order beli kepada suppolier disertai insturksi pengiriman barang kepada
supplier sesuai dengan tipe dan spesifikasi barang yang telah disetujui.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l3 level1 lfo8; tab-stops: 49.6pt; text-indent: -11.45pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Pengiriman
barang dan pengecekan barang oleh supplier serta menandatangani surat tanda
terima dan perintah bayar yang selanjutnya diserahkan kepada supplier.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l3 level1 lfo8; tab-stops: 49.6pt; text-indent: -11.45pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Penyerahan
dokumen oleh supplier kepada supplier, termasuk faktur dan bukti-bukti kepe
milikan barang lainnya.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l3 level1 lfo8; tab-stops: 49.6pt; text-indent: -11.45pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Pembayaran
oleh supplier kepada supplier</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l3 level1 lfo8; tab-stops: 49.6pt; text-indent: -11.45pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">9.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Pembayaran
sewa (lease payment) secara berkala oleh supplier kepada supplier selama masa
leasing yang seluruhnya mencakup pengembalian jumlah yang dibiayai beserta
bunganya.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; tab-stops: 49.6pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 35.45pt; tab-stops: 49.6pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">B. </span></b><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Modal Ventura</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"></span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: .5in; tab-stops: 49.6pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"><span style="mso-tab-count: 2;"> </span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Menurut
Keppres No.61 Tahun 1988, modal ventura adalah badan usaha yang melakukan usaha
pembiayaan dalam bentuk penyertaan modal ke suatu perusahaan yang menerima
bantuan pembiayaan untuk jangka waktu tertentu.</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"> </span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Sejumlah penulis
memberikan berbagai definisi tentang modal ventura, antara lain sebagai
berikut.</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l6 level1 lfo9; tab-stops: 49.6pt; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Robert White </span></b><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">menyebut
modal ventura adalah penyediaan pembiayaan untuk memungkinkan pembentukan dan pengembangan
usaha-usaha baru, baik di bidang teknologi maupun di bidang nonteknologi.<span style="mso-spacerun: yes;"> </span>Ia menitik beratkan usaha baru bidang
teknologi dan nonteknologi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l6 level1 lfo9; tab-stops: 49.6pt; text-indent: -.25in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Tony
Lorenz </span></b><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">melihat segi resiko, capital gain, bunga
dan deviden.<span style="mso-spacerun: yes;"> </span>Modal ventura adalah adalah
investasi jangka panjang dalam bentuk pemberian modal yang mengandung resiko
yang penyedia dana atau perusahaan modal ventura terutama mengharapkan capital
gain, bunga, ataupun deviden.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; tab-stops: 49.6pt;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; mso-list: l5 level1 lfo13; text-indent: -14.7pt;">
<b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">C.<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Asuransi</span></b><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 35.45pt; text-indent: 42.5pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Pasal
246 Kitab Undang-Undang Hukum Dagang memberikan definisi tentang asuransi
sebagai berikut.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 35.45pt; text-indent: 42.5pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Asuransi
atau pertanggungan adalah suatu perjanjian tentang seorang penanggung yang
mengikatkan diri kepada seorang tertanggung dengan menerima suatu premi untuk
memberikan penggantian kepadanya karena suatu kerugian, kerusakan, atau
kehilangan keuntungan yang diharapkan, yang mungkin akan dideritanya karena
suatu peristiwa yang tidak tentu atau pasti.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 35.45pt; tab-stops: 56.7pt 78.0pt; text-indent: -14.2pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"><span style="mso-tab-count: 2;"> </span><span style="mso-tab-count: 1;"> </span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Menurut
pengertian otentik KUHD pasal 246, ada empat unsure yang terlibat dalam
asuransi, yaitu sebagai berikut.</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 49.65pt; mso-add-space: auto; mso-list: l13 level1 lfo10; text-indent: -14.2pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Penanggung
atau insurer adalah yang memberikan proteksi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 49.65pt; mso-add-space: auto; mso-list: l13 level1 lfo10; text-indent: -14.2pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Tertanggung
atau insured adalah si penerima proteksi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 49.65pt; mso-add-space: auto; mso-list: l13 level1 lfo10; text-indent: -14.2pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Peristiwa
atau accident yang tidak diduga atau tidak diketahui sebelumnya atau
peristiwayang dapat menimbulkan kerugian.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 46.4pt; mso-add-space: auto; mso-list: l13 level1 lfo10; text-indent: -14.2pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Kepentingan
atau interest yang diasuransikan yang mungkin akan mengalami kerugian
disebabkan oleh peristiwa itu.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 46.4pt; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; mso-list: l5 level1 lfo13; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">D.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><b style="mso-bidi-font-weight: normal;"><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Dana
Pensiu</span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">n</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 21.3pt; text-indent: 35.4pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Ide
dana pension diselenggarakan untuk memberikan jaminan kesejahteraan bagi
karyawan dan keluarganya pada saat karyawan memasuki masa pensiun atau
mengalami kecelakaan semasa kerja yang mengakibatkan cacat tubuh atau meninggal
dunia.<span style="mso-spacerun: yes;"> </span>Jaminan kesejahteraan tersebut
dalam bentuk pensiun (pension benefit) diberikan kepada karyawan dan
keluarganya yang dibayarkan secara berkala sesuai dengan peraturan dana pensiun.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 21.3pt; text-indent: 35.4pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-indent: 21.3pt;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Penyelenggaraan
Dana Pensiun</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 21.3pt; tab-stops: 56.7pt; text-indent: .5in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Setiap perusahaan yang mempekerjakan
lebih dari dua orang karyawan berkewajiban secara moral dan fisik memberikan
rasa aman kepada karyawannya.<span style="mso-spacerun: yes;"> </span>Setiap
karyawan menginginkan uang pensiun yang diterima benar-benar cukup membiayai
keluarganya tanpa bekerja.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 21.3pt; text-indent: .5in;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Dengan
program pensiun yang realistis, selama bekerja karyawan diharapkan memiliki
loyalitas dan dedikasi yang tinggi terhadap perusahaan.<span style="mso-spacerun: yes;"> </span>Demikian juga program pensiun tersebut
merupakan kompensasi yang diberikan kepada karyawan dengan harapan perusahaan
akan memiliki daya saing dan nilai tambah dalam usaha mendapatkan karyawan yang
berkualitas dan professional di pasar tenaga kerja.</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 39.3pt; mso-add-space: auto; mso-list: l2 level2 lfo3; tab-stops: 56.7pt; text-indent: -.25in;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.4<span style="font: 7.0pt "Times New Roman";"> </span></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">FUNGSI DAN
TUGAS BANK</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 21.3pt; mso-add-space: auto; tab-stops: 56.7pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"><span style="mso-tab-count: 1;"> </span>Menurut Undang-undang pokok
perbankkan Nomor 14 Tahun 1967 jenis perbankkan menurut fungsinya terdiri dari:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l12 level1 lfo6; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Bank Umum</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l12 level1 lfo6; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Bank Pembangunan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l12 level1 lfo6; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Bank Tabungan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l12 level1 lfo6; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Bank Pasar</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l12 level1 lfo6; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">e.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Bnak Desa</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l12 level1 lfo6; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">f.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Lumbug Desa</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l12 level1 lfo6; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">g.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Bank Pegawi</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 1.0in; mso-add-space: auto; mso-list: l12 level1 lfo6; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">h.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Dan bank lainnya</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 21.3pt; tab-stops: 56.7pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;"><span style="mso-tab-count: 1;"> </span>Namun
setelah keluar Undang-Undang No. 7 tahun 1992 tentang perbankan, dan ditegaskan
lagi dengan keluarnya undang-undang RI nomor 10 Tahun 1998, maka fungsi bank di
bedakan dalam jenis berikut:</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l1 level1 lfo5; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Bank sentral</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; tab-stops: 56.7pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Merupaka Bank yang mengatur berbagai kegiatan yang
berkaitan dengan dnia perbankan dan keuangan di suatu Negara. Bank yang
memperoleh hak untuk mengedarkan uang logam dan uang kertas. Di Indonesia
fungsi bank di pegang oleh bank Indonesia (BI). Fungsi Bank Indonesia disamping
menjadi bank sentral adalah sebagai bank sirkulasi bank to bank dan leader of
the last resort.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; tab-stops: 56.7pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Tujuan utama bank Indonesia sebagai bank sentral
adalah mencapai dan memelihara kestabilan nilai rupiah.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l1 level1 lfo5; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Bank Umun</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; tab-stops: 56.7pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Merupakan bank yang bertugas melayani seluruh
jasa-jasa perbankkan dan melayani segenap lapisan masyarakat , baik masyarakat
perorangan maupun lembaga-lembaga lainnya. Begitu pula dengan wilayah
operasinya dapat dilakukan diseluruh wilayah Indonesia, bahkan keluar negeri
(cabang). Bank umum juga dikenal dengan nama bank komersil (commercial bank) dan
dikelompokkan kedalam 2 jenis, yaitu: bank umum devisa dan bank umum non devisa.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l1 level1 lfo5; tab-stops: 56.7pt; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Bank
Pengkreditan Rakyat</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; tab-stops: 56.7pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Merupakan bank yang khusus melayani masyarakat kecil
dikecamatan dan pedesaan. Bank pengkreditan rakyatberasal dari bank desa, bank
pasar, lumbung desa, bank pegawai, dan bank lainnya yang kemudian dilembur
menjadi bank pengkreditan rakyat. Dan Bank Pengkreditan Rakyat adalah bank yang
melaksanakan kegiatan usaha secara konvensionalatau berdasarkan prinsip
syariah. Dalam kegiatanya BPR tidak memberikan jasa dalam lalu lintas
pembayaran. Artinya jasa-jasa yang ditawarkan BPR lebih sempit jika
dibandingkan dengan kegiatan atau jasa bank umum.</span></div>
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Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0tag:blogger.com,1999:blog-636236547540106979.post-41921037788033294312012-10-16T05:51:00.002-07:002012-10-21T04:34:31.669-07:00Pameran Perusahaan<div class="separator" style="clear: both; font-family: Arial,Helvetica,sans-serif; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiyWaHpzhY7gM7l1LbdTYIdVrtVF4Y97F5MdVcXC2bubB4XqPc6fXjUtbf9dGGin7Vr2sJuETxYy2JRsqyUcwYiuHzehcMXNbcA7TvZuot-W3uSKhPYmQuPnNDM8uwswCaZEXiBNzJCuUSy/s1600/DSC01958.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiyWaHpzhY7gM7l1LbdTYIdVrtVF4Y97F5MdVcXC2bubB4XqPc6fXjUtbf9dGGin7Vr2sJuETxYy2JRsqyUcwYiuHzehcMXNbcA7TvZuot-W3uSKhPYmQuPnNDM8uwswCaZEXiBNzJCuUSy/s400/DSC01958.JPG" width="400" /></a></div>
<div style="font-family: Arial,Helvetica,sans-serif; text-align: center;">
<span style="color: #990000;">Praktek kuliah ini ilustrasi dimana kita punya perusahaan dan kita promosiin ke orang-orang calon konsumen kita (temen" dan dosen" sih)</span> <span style="color: #990000;">hehehe...</span></div>
<div style="font-family: Arial,Helvetica,sans-serif; text-align: center;">
<span style="color: #990000;">dan perusahaan kita "WEDDING ORGANIZER" ituh dokumentasi sama pembimbing</span> <span style="color: #990000;">kita</span><br />
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<span style="color: #990000;">ini niihh... para marketer kita.. :D :D</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfvhuDxhakPRRvpGHde8nYOJKHnmKffUbMi0urvjFGd_9K0PefA3CZ1UPnBXiXfMorvjmKWi4iyQAeSvFyTf1RzAfIZWqNPk_xMGPeGx0cDZ3gjg_bihOHyaGnIfLJ4mYjU6Dn8qQPvUj9/s1600/DSC01959.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgfvhuDxhakPRRvpGHde8nYOJKHnmKffUbMi0urvjFGd_9K0PefA3CZ1UPnBXiXfMorvjmKWi4iyQAeSvFyTf1RzAfIZWqNPk_xMGPeGx0cDZ3gjg_bihOHyaGnIfLJ4mYjU6Dn8qQPvUj9/s400/DSC01959.JPG" width="400" /></a></div>
<span style="color: #990000;"><br />Eksis seolah-olah memang menjadi sesuatu yang penting ya.. hahahaa</span><br />
<span style="color: #990000;">Haii inonk,ghessy,Koko,Dieo,Bebe...</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVkIFWeCAfVNg56TRmX0pv7jJtuMAJwje3vuTK7fTYEYiTRPNXlP9jHg1Kq4BRD7tknjZODn-v1uSP0TdqbWGYBbkIHzkmJPfCqEHrtZYRBY1VkNEhyphenhyphenc7nv2UEKdVMd383fSzKz2Qi3Xju/s1600/DSC01974.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVkIFWeCAfVNg56TRmX0pv7jJtuMAJwje3vuTK7fTYEYiTRPNXlP9jHg1Kq4BRD7tknjZODn-v1uSP0TdqbWGYBbkIHzkmJPfCqEHrtZYRBY1VkNEhyphenhyphenc7nv2UEKdVMd383fSzKz2Qi3Xju/s400/DSC01974.JPG" width="400" /> </a></div>
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<span style="color: red;">1...2.....3...... cekLiikkkk</span></div>
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<span style="color: red;">Taraaaa..... hahahaaa... ne juga temen temen dari 2B Marketing yang gila gilaaa...</span></div>
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<span style="color: red;">kita disini ceritanya pengusaha bray... tuhhh liat pada keren keren kan... :D</span></div>
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<span style="color: red;"> </span><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicEDL7CY2BjwK4RbPO4tMEoytUV1fVILA45LaR-vfnuaoU6LVYof6bi7o56Q4lVHD24jg6WejTIOIHMYVLap-MzEiaV2zgkAHO3ochkRVxHzBdxWtlE_2mz46odxUo03M8BRGOFed7ZM2T/s1600/DSC01989.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicEDL7CY2BjwK4RbPO4tMEoytUV1fVILA45LaR-vfnuaoU6LVYof6bi7o56Q4lVHD24jg6WejTIOIHMYVLap-MzEiaV2zgkAHO3ochkRVxHzBdxWtlE_2mz46odxUo03M8BRGOFed7ZM2T/s320/DSC01989.JPG" width="240" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEr90gAjxUMPmroA4WThd6BEnsCLhYOHfRVCuCKYU3UnRegLx29ZKFW8_v7RXj7Eaptqu-ITnacrrF7VoOGlBXoCnAovenDJmfq3xexVB962m5MFI8GX4yh9rONrVyMOEIn8EGdO1DOgBR/s1600/DSC01988.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEr90gAjxUMPmroA4WThd6BEnsCLhYOHfRVCuCKYU3UnRegLx29ZKFW8_v7RXj7Eaptqu-ITnacrrF7VoOGlBXoCnAovenDJmfq3xexVB962m5MFI8GX4yh9rONrVyMOEIn8EGdO1DOgBR/s320/DSC01988.JPG" width="240" /></a></div>
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<span style="color: red;">"We are Savitri Wedding Organizer"</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEglwXdUq8AuEfeEJNxV5XbgzrcPiEI_pET7yZOtkzgeUkMveZ_Tl98HqrD327dFmYDp7usvgmyF5i2xni7EbMzSaiZ2kd4nXlWcky3W51XQtTaw6efXTfzUpkxcGOMiuzzEUxBOmTzGV7jQ/s1600/DSC02023+%25282%2529.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEglwXdUq8AuEfeEJNxV5XbgzrcPiEI_pET7yZOtkzgeUkMveZ_Tl98HqrD327dFmYDp7usvgmyF5i2xni7EbMzSaiZ2kd4nXlWcky3W51XQtTaw6efXTfzUpkxcGOMiuzzEUxBOmTzGV7jQ/s400/DSC02023+%25282%2529.JPG" width="300" /></a></div>
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<span style="color: red;"> ini si Satrio Pengusaha Furniture Kantor... :D</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAVaO6FaEPdCUDEnlBkRBG0rPtBc6_U5IaNQyC2cAOUtoeIVc-h-eXIKBjWsujrrT8HnzehmSLJz5JPkSSCfxvWVelXSJ1qW-cZbITCYELHf9LRv6gTkYMzExbWqaYIQOPFXDEFKmi7v6l/s1600/DSC02084.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="316" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAVaO6FaEPdCUDEnlBkRBG0rPtBc6_U5IaNQyC2cAOUtoeIVc-h-eXIKBjWsujrrT8HnzehmSLJz5JPkSSCfxvWVelXSJ1qW-cZbITCYELHf9LRv6gTkYMzExbWqaYIQOPFXDEFKmi7v6l/s400/DSC02084.JPG" width="400" /></a></div>
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<span style="color: red;">Setelah rentetan acara transaksi ke konsumen konsumen kita.. ini niii saat dimana pengumuman siapa pemenang Pameran ini... :D</span></div>
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<span style="color: red;">hahhahaha... alhasil "Savitri" disebut dan alhamdulillah jadi pemenang harapan.. ^^</span></div>
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<span style="color: red;">Lumanyaaaann hadiahnya bisa balik modal stand dan perlengkapan" sewa baju,,,sisanyaaa buat ini niiiiii.............</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiReMzsWEehYtm3pbxZF3H3mVrDAIHVP82cFBtlCWrNmYYoUPLAj7P9HwHlgtD5U1m-OpBcU9Oud4efa9OAOzXBvTxTYs4dpoboXyVlOqAFt7QQEROh1JWnOhusZeXXrNhbBXEPJVYrTf1S/s1600/DSC02095.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiReMzsWEehYtm3pbxZF3H3mVrDAIHVP82cFBtlCWrNmYYoUPLAj7P9HwHlgtD5U1m-OpBcU9Oud4efa9OAOzXBvTxTYs4dpoboXyVlOqAFt7QQEROh1JWnOhusZeXXrNhbBXEPJVYrTf1S/s400/DSC02095.JPG" width="338" /></a></div>
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<span style="color: red;"> </span><span style="color: red;">Pangsit Mie.. sama Jus Mangga... #ne se pesenanku... heheheee</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxIP1i0z4PMly5GUUtQnXa7xXMzoiLZDL1q1RdrA53GtL8I3LSEnFhm812xuWrpI4pCBWvJkyBgFdEYdj-2Vj2K0mq-J4pMZ5Iy070fSx0Cc-J5HV2-D-POKTnCo00MiS7mTaCSz_QtlWk/s1600/DSC02103.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxIP1i0z4PMly5GUUtQnXa7xXMzoiLZDL1q1RdrA53GtL8I3LSEnFhm812xuWrpI4pCBWvJkyBgFdEYdj-2Vj2K0mq-J4pMZ5Iy070fSx0Cc-J5HV2-D-POKTnCo00MiS7mTaCSz_QtlWk/s640/DSC02103.JPG" width="480" /></a></div>
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<span style="color: red;">Congrat yaa reekk buat kita... alhamdulillah udah menang dapet semangkuk mie dan segelas Jus....</span></div>
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<span style="color: red;">yamyamyam.......</span></div>
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<span style="color: red;">Terimakasih buat temen-temen 2B Marketing dan Seluruh mahasiswa Konsentrasi Marketing...</span></div>
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<span style="color: red;">Salam Generasi Sukses dan Hebaaatttt!!!!!</span></div>
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<span style="color: red;">Cayyyyoooooo... \^___^/</span></div>
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Anonymoushttp://www.blogger.com/profile/11912967617088519104noreply@blogger.com0