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		<title>Tips Investasi untuk Orang yang Tidak Memiliki Banyak Waktu</title>
		<link>http://cyberjan.wordpress.com/2011/06/15/tips-investasi-untuk-orang-yang-tidak-memiliki-banyak-waktu/</link>
		<comments>http://cyberjan.wordpress.com/2011/06/15/tips-investasi-untuk-orang-yang-tidak-memiliki-banyak-waktu/#comments</comments>
		<pubDate>Wed, 15 Jun 2011 14:38:43 +0000</pubDate>
		<dc:creator>cyberjan</dc:creator>
				<category><![CDATA[Cool Tips]]></category>
		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://cyberjan.wordpress.com/?p=258</guid>
		<description><![CDATA[Source : http://www.portalreksadana.com/node/527 Masalah yang sering menghambat kita untuk berinvestasi adalah minimnya waktu yang kita miliki. Sehari-hari kita ditelan pekerjaan dan ketika sampai di rumah pada malam hari sudah terlalu lelah untuk memikirkan bagaimana merencanakan investasi. Masalah tersebut adalah hal yang umum dialami oleh kebanyakan orang. Jadi adakah solusinya? Setiap masalah pasti ada penyelesaiannya. Berdasarkan [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=cyberjan.wordpress.com&amp;blog=7553039&amp;post=258&amp;subd=cyberjan&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<address>Source : http://www.portalreksadana.com/node/527</address>
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<p>Masalah yang sering menghambat kita untuk berinvestasi adalah minimnya waktu yang kita miliki. Sehari-hari kita ditelan pekerjaan dan ketika sampai di rumah pada malam hari sudah terlalu lelah untuk memikirkan bagaimana merencanakan investasi. Masalah tersebut adalah hal yang umum dialami oleh kebanyakan orang.</p>
<p>Jadi adakah solusinya? Setiap masalah pasti ada penyelesaiannya. Berdasarkan pengalaman saya banyak hal yang bisa kita siasati agar bisa tetap berinvestasi meskipun waktu luang kita sangat sedikit.<br />
<span id="more-258"></span></p>
<p>Jika kita tidak memiliki waktu untuk mengelola investasi, artinya kita harus mencari orang yang mau melakukannya untuk kita. Tentu saja tidak sembarang orang yang dapat melakukannya. Kita tentu tidak menginginkan uang yang telah kita peroleh dengan susah payah diserahkan pengelolaannya pada sembarang orang. Untuk itu, mungkin reksa dana adalah solusi yang cukup bijaksana. Dana investasi kita akan dikelola oleh orang-orang yang kompeten di bidangnya. Konsekuensinya, ada sejumlah fee yang kita bayarkan untuk itu. Hal tersebut wajar dan sebanding dengan penghematan waktu kita. Tentu saja kita harus memilih reksa dana yang legal dan terdaftar di Bapepam. Beberapa tahun belakangan ini memang ada beberapa kasus yang berkaitan dengan reksa dana dan kebanyakan reksa dana yang bermasalah tersebut tidak terdaftar di Bapepam.</p>
<p>Jika kita memang benar-benar ingin mengefisiensikan waktu dan penggunaan dana kita, ada baiknya kita mencoba mencari reksa dana yang biaya pengelolaannya rendah. Struktur biaya yang sangat rendah dapat kita peroleh dari <strong>reksadana indeks ataupun ETF (Exchange-Traded Fund)</strong>. Mengapa? Komposisi portfolio reksadana indeks meniru komposisi saham penyusun indeks tertentu. Misalnya adalah reksadana yang mengacu pada indeks LQ-45. Dengan demikian perubahan NAB reksadana tersebut akan sama dengan pergerakan indeks LQ-45. Maka wajarlah jika fee untuk reksadana jenis ini relatif rendah karena fund manager tidak perlu repot-repot memilih saham yang akan masuk ke dalam portfolionya.</p>
<p>Ada fakta menarik mengenai hal ini. Jika kita seandainya menginvestasikan uang kita ke dalam IHSG sejak tahun 1997, maka setiap tahunnya uang kita akan tumbuh sebesar 18,63% di luar dividen dan itu kita peroleh dengan hampir tidak melakukan apa-apa. Hasil tersebut cukup impresif mengingat dalam kurun waktu tersebut IHSG mengalami guncangan besar paling tidak sebanyak tiga kali dan lebih banyak lagi guncangan-guncangan dalam skala yang lebih kecil. Salah satu fund manager yang merekomendasikan kita untuk berinvestasi ke dalam reksa dana berbasis indeks adalah John C. Boggle. Harus diakui, hasil investasi ke dalam reksa dana indeks cukup memuaskan, berbiaya rendah, dan kita tidak perlu terlalu pusing memikirkan untuk memilih reksa dana yang bagus.</p>
<p>Hal lain yang dapat kita lakukan adalah melakukan investasi secara berkala yang disebut juga dengan <strong>Dollar Cost Averaging (DCA)</strong>. DCA cukup efektif dan efisien karena kita secara otomatis hanya perlu berinvestasi dengan nominal yang sama secara berkala.</p>
<p>Masih kurang efisien? Coba <strong>fasilitas auto invest</strong>. Apa itu auto invest? Saat ini sudah ada agen penjual reksadana yang memberikan fasilitas ini. Secara berkala bank tersebut akan mendebet rekening kita dan melakukan top-up ke dalam reksadana yang telah kita pilih. Apabila masih kurang juga, manfaatkan fasilitas auto transfer yang memungkinkan kita untuk mentransfer dana secara otomatis dan berkala dari rekening bank tempat kita menerima gaji ke rekening bank tempat kita membuka rekening untuk reksadana. Dengan demikian tanpa melakukan apa-apa, secara berkala kita telah berinvestasi. Setiap bulan rekening kita akan berkurang namun dengan cara yang menyenangkan <img src='http://s0.wp.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />  Sekedar tips saja, usahakan pilih tanggal auto transfer dan auto invest-nya setelah gajian. Jangan sampai ketika rekening kita didebet, saldonya tidak mencukupi. Alih-alih memudahkan, fasilitas tersebut malahan akan merepotkan kita.</p>
<p>Ada satu hal yang terlupa. Usahakan kita dapat <strong>berinvestasi secara online</strong> walaupun hanya dapat digunakan untuk subscribe. Percayai saya, banyak kemudahan yang kita peroleh dengan memiliki fasilitas untuk mengakses rekening kita secara online. Kita tidak bisa melakukan redeem secara online karena aturan Bapepam memang tidak memperbolehkannya. Untuk menyiasatinya, minta fasilitas redeem via fax. Selesailah sudah masalah kita <img src='http://s0.wp.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>O ya, saran saya, meskipun segala sesuatunya sudah bisa kita lakukan secara otomatis, jangan lupa untuk <strong>memantau perkembangan investasi kita secara berkala</strong>. Setiap bulannya, kita akan mendapatkan laporan perkembangan reksa dana kita. Membacanya hanya membutuhkan sekitar 5 menit namun dengan melakukannya, kita akan bisa mengetahui apakah kita masih berada di jalan yang benar <img src='http://s0.wp.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>Cara-cara yang saya sarankan di atas mungkin tidak akan memberikan kita keuntungan yang maksimal akan tetapi dengan melakukannya, kita bisa mendapatkan keuntungan yang memuaskan dengan usaha minimal dan menyelamatkan waktu kita yang berharga.</p>
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		<title>Guide: What to Do After Jailbreaking Your iPhone</title>
		<link>http://cyberjan.wordpress.com/2011/03/04/guide-what-to-do-after-jailbreaking-your-iphone/</link>
		<comments>http://cyberjan.wordpress.com/2011/03/04/guide-what-to-do-after-jailbreaking-your-iphone/#comments</comments>
		<pubDate>Fri, 04 Mar 2011 07:48:54 +0000</pubDate>
		<dc:creator>cyberjan</dc:creator>
				<category><![CDATA[Cool Tips]]></category>
		<category><![CDATA[iphone]]></category>
		<category><![CDATA[jailbreak]]></category>

		<guid isPermaLink="false">http://cyberjan.wordpress.com/?p=253</guid>
		<description><![CDATA[source: http://www.iphonedownloadblog.com/forum/viewtopic.php?f=2&#38;t=1891 This is just a little list of things to do once you have jailbroken your i. Please note this is a very small list just to get your feet wet after you figure out what you want to do to your i there is endless possibilities. 1. Install Cydia, icy or Rock (With [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=cyberjan.wordpress.com&amp;blog=7553039&amp;post=253&amp;subd=cyberjan&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<h6>source: <a title="http://www.iphonedownloadblog.com/forum/viewtopic.php?f=2&amp;t=1891" href="http://www.iphonedownloadblog.com/forum/viewtopic.php?f=2&amp;t=1891">http://www.iphonedownloadblog.com/forum/viewtopic.php?f=2&amp;t=1891</a></h6>
<p>This is just a little list of things to do once you have jailbroken your i. Please note this is a very small list just to get your feet wet after you figure out what you want to do to your i there is endless possibilities.<br />
<span id="more-253"></span></p>
<p>1. Install Cydia, icy or Rock (With Spirit this step can be skipped as it is installed in the JB process.)<br />
2. After you have installed cydia open it let it load and restart then open it back up and search for winterboard. Winterboard is an application that allows you to customize your iphone, eg. themes, wallpapers, sounds images and all that jazz<br />
3. once you have that taken care of It is time to ad sources to cydia, here is how:<br />
1.open cydia go to Manage (at the bottom)<br />
2. Got to sources and click Edit (on the top right)<br />
3. Then click add a blue box will appear with a search bar then type these in exactly as they appear.</p>
<p><!-- m --><a class="postlink" href="http://cydia.hackulo.us/">http://cydia.hackulo.us/</a><!-- m --> (you can omit the http:// part b/c it will appear in the search box automatically)<br />
<!-- m --><a class="postlink" href="http://repo.beyouriphone.com/">http://repo.beyouriphone.com/</a><!-- m --> (not active)<br />
<!-- m --><a class="postlink" href="http://cydia.xsellize.com/">http://cydia.xsellize.com/</a><!-- m --><br />
<!-- m --><a class="postlink" href="http://apt.123locker.com/">http://apt.123locker.com/</a><!-- m --><br />
<!-- m --><a class="postlink" href="http://www.sinfuliphonerepo.com/">http://www.sinfuliphonerepo.com/</a><!-- m --><br />
<!-- m --><a class="postlink" href="http://cy.sosiphone.com/">http://cy.sosiphone.com/</a><!-- m --></p>
<p>With these sources added you can now add w/e you want from them as long as it is compatible with your device.<br />
Some recommendations would be: (search for these in cydia)</p>
<p>Installous (from the hackulo.us repo, You need to get this to install 3rd party apps)<br />
BossPaper(Like winterboard this allows customization of your device.)<br />
Five icon dock ( with ios4 this will cause unstable system it is not recommended)<br />
ibluetooth or ibluenova ( unlocks the bluetooth in your device.)<br />
iSpazio Dockflow (there is one for iphone and one for itouch get the right one)<br />
NES 3 (5.99 from saurik or free from xsellize but it is worth the 5.99 and it is good to support the guy who makes cydia possible.)<br />
Nes ROMs Package 1<br />
OpenSSH ( you will need this along with an ssh client (winscp for windows or cyberduck for mac) for your computer to install third party apps) if you need help with this, youtube it or ask me I will be glad to help.</p>
<p>4. Now that all that is out of the way you can get some 3rd party .ipa&#8217;s (applications) and put them on your phone. <span style="color:red;"><span style="text-decoration:underline;"><span style="font-weight:bold;">Note the iphone download blog or its affiliates do not condone the use of &#8220;cracked apps&#8221; Please refrain from asking about them here.</span></span></span></p>
<p>Here is a great site for those. <!-- m --><a class="postlink" href="http://apptrackr.org/">http://apptrackr.org/</a><!-- m --> once you find an app you want on this website download it (click on the app and find the download area) once it is on your computer you can ssh it into your ipod/iphone. Make sure you put it in this directory. private/var/mobile/Library/Downloads or private/var/mobile/documents/installous/downloads. You can do this on your device using installous but it takes hella long time to download the app if your wifi is slow.</p>
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		<title>Pertarungan Giant SAP-Oracle: Benturan antara Aji Pamungkas Inovasi versus Racun Pamungkas Akusisi</title>
		<link>http://cyberjan.wordpress.com/2011/02/09/pertarungan-giant-sap-oracle-benturan-antara-aji-pamungkas-inovasi-versus-racun-pamungkas-akusisi/</link>
		<comments>http://cyberjan.wordpress.com/2011/02/09/pertarungan-giant-sap-oracle-benturan-antara-aji-pamungkas-inovasi-versus-racun-pamungkas-akusisi/#comments</comments>
		<pubDate>Wed, 09 Feb 2011 13:57:04 +0000</pubDate>
		<dc:creator>cyberjan</dc:creator>
				<category><![CDATA[Inspiration]]></category>
		<category><![CDATA[erp]]></category>
		<category><![CDATA[jde]]></category>
		<category><![CDATA[SAP]]></category>

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		<description><![CDATA[oleh: Ferizal Ramli (*** Tulisan ini terinspirasi dari Legenda Kisah Silat Legendaris di Tanah Jawa yang dibukukan dalam „Babad Pusaka Nogososro dan Sabukinten“ karya SH Mintaradja yang dilustrasikan dalam coretan grafis oleh Kentardjo) Konon khabarnya dahula kala tersebutlah beberapa perusahaan jawara di tanah Perdikan Industri Standard Software atau ERP (Enterprise Resource Planning). ERP/Standard Software bahasa [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=cyberjan.wordpress.com&amp;blog=7553039&amp;post=251&amp;subd=cyberjan&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>oleh: Ferizal Ramli</p>
<p class="MsoNormal">(*** Tulisan ini terinspirasi dari Legenda Kisah Silat Legendaris di Tanah Jawa yang dibukukan dalam „Babad Pusaka Nogososro dan Sabukinten“ karya SH Mintaradja yang dilustrasikan dalam coretan grafis oleh Kentardjo)</p>
<p class="MsoNormal">Konon khabarnya dahula kala tersebutlah beberapa perusahaan jawara di tanah Perdikan Industri <em>Standard Software</em> atau ERP (<em>Enterprise Resource Planning</em>). ERP/<em>Standard Software</em> bahasa gampangnya adalah software yang diimplementasikan untuk kegiatan operasional perusahaan.<br />
<span id="more-251"></span></p>
<p class="MsoNormal">Dengan menggunakan ERP maka perusahaan bisa meng-komputerisasikan seluruh aktivitas bisnisnya yang mencakup seluruh aspek: akuntansi, logistik, SDM, supply chain management, strategy management sampai pada integrasi data base dan business intelligent. Jika sampiyan sulit mengingat kata-2 ajaib tsb maka lupakan aja, ndak usah dihapal, lha wong ndak keluar kok dalam ujian, hi…, hi… :p</p>
<p class="MsoNormal">Menurut wangsit (baca: hasil scientific market riset) dari Sang Resi yang bernama “AMR Research” – Marketing Consultant, yang ditulis dalam serat elektronik Babat: <em>Market Analytics Report: Enterprise Resource Planning, 2004-2009, </em>tersebutlah beberapa Jawara terkenal di tanah Perdikan industri ERP, yaitu SAP, Peoplesoft, Oracle, Sage, Microsoft Business Solution, SSA Global dan lainnya.</p>
<p class="MsoNormal">Bagaimanakah cerita hidup mati para jawara tersebut dalam mempertahankan eksistensinya di dunia persilatan kompetisi berdarah untuk menjadi <em>market leader</em>? Dari sinilah lakon dari sebuah kisah dimulai…</p>
<p class="MsoNormal">XXX</p>
<p class="MsoNormal">Di pertengahan tahun 1990 ada sekitar 5-6 jawara standard software terkenal. SAP (pesilat Jerman) menggunakan basis “modul finance” sebagai jurus silat adalannya. Peoplesoft pake jurus andalan basis modul SDM-nya, Oracle dengan “data base”-nya, lalu ada juga BAAN dengan jurus andalannya technical architecture serta JD Edward dan Sage dengan jurus andalannya accounting/financial modul. Mereka semua dengan penuh hasrat untuk saling membunuh.</p>
<p class="MsoNormal">Terjadilah adu kejantanan frontal diantara para jawara tersebut. Korbanpun berjatuhan. BAAN (pesilat dari Belanda) gugur. Dalam sebuah pertarungan berdarah dengan SAP, BAAN kalah memperebutkan tander perusahaan raksasa Boeing. Akibatnya, BAAN terluka dan kehilangan banyak darah (baca: kesulitan keuangan dan liquiditas). BAAN pun akhirnya terkena racun pamungkas akusisi yang dilakukan oleh jawara baru bernama SSA Global Technology (Pesilat Amrik).</p>
<p class="MsoNormal">Sayangnya, kelak SSA pun terkena pukulan akusisi dan akhirnya takluk dalam kekuasaan Info Global Solution (pesilat Amrik juga). Meskipun sampai hari ini Info Global Solution masih eksis, tapi jawara tsb tidak berhasil menjadi penguasa dalam tanah perdikan industri ERP.</p>
<p class="MsoNormal">Nasib tragis yang lain juga menimpa jawara JD Edward (Pesilat Amrik). Dia terkena racun pamungkas yang sama, yaitu akusisi dan akhirnya „terbunuh“. JD Edward akhirnya takluk dan bergabung dalam Group Oracle (juga Pesilat Amrik).</p>
<p class="MsoNormal">Jawara yang nasibnya relatif selamat adalah Sage (Pesilat Inggris). Sage <em>standard software</em> kebanggaan Inggris ini masih eksis. Hanya saja Sage tidak mampu jadi penguasa tanah Perdikan. Sage hanya bisa bermain di ceruk. Bahasa-nya Philip Kotler, sang Bapak Marketing dunia, Sage hanya eksis di <em>niche market</em>.</p>
<p class="MsoNormal">Melihat tanah Perdikan Industri ERP begitu subur dan luas yang membentangkan omset trilyunan Euro, maka Jawara Microsoft tampaknya meneteskan air liur juga untuk ikut adu peruntungan. Microsoft yang sebelumnya adalah juga penguasa tanah Perdikan Sistem Operasi dan <em>Office Package</em>, menggunakan julukan Microsoft Business Solution dalam adu silat ini.</p>
<p class="MsoNormal">Tragisnya pertarungan di tanah perdikan <em>standard software</em> begitu berdarah. Cita-2 Microsoft untuk menjadi penguasa tampaknya masih jauh dari harapan. Butuh sebuah keajaiban untuk membuat Microsoft mengulang sukses yang sama seperti yang pernah dilakukannya dalam sistem operasi.</p>
<p class="MsoNormal">XXX</p>
<p class="MsoNormal">Pada akhirnya peluang untuk menjadi penguasa (<em>market leader</em>) tinggal ditentukan oleh 3 jawara yaitu SAP, Peoplesoft dan Oracle. Sebenarnya Peoplesoft (pesilat Amrik) punya jurus-jurus silat yang lebih indah dan lebih mematikan dari Oracle. Ini terbukti <em>market share</em> Peoplesoft selalu diatas Oracle.</p>
<p class="MsoNormal">Hanya saja Oracle itu benar-2 jawara tangguh dengan ginkang/tenaga dalam (baca: kapital usaha atau modal) yang luar biasa kuat sehingga setiap pukulan Oracle mengandung hawa racun akusisi yang pekat.</p>
<p class="MsoNormal">Akibatnya tragis. Betapapun hebatnya jurus silat Peoplesoft, dalam sebuah adu gingkang gigantic, Oracle berhasil memasukan racun pamungkas akusisi tepat mengenai dada Peoplesoft. Peoplesoft pun akhirnya meregang dan terkapar dalam kekuasaan Oracle.</p>
<p class="MsoNormal">Oracle memang sangat berambisi untuk menjadi penguasa tanah perdikan. Sampai saat ini SAP jelas <em>market leader</em>-nya yang tak terkalahkan. <em>Market share</em> SAP jauh diatas Oracle. Bagi Oracle tidak ada cara lain, jika dia ingin jadi penguasa, Oracle harus meng-akusisi satu persatu saingannya.</p>
<p class="MsoNormal">Tercatat JD Edward dan Peoplesoft merasakan ampuhnya racun pamungkas akusisi ini yang dalam dalam teori management strategy sering dikenal dengan strategy Eksternal Ekspansi. Akusisi ini benar strategi racun kejam yang paling berbahaya dalam pertarungan bisnis. Seorang jawara tidak perlu harus lebih hebat dari lawannya untuk memenangkan pertaruang, asalkan Sang Jawara tersebut punya racun pamungkas yang namanya akusisi.</p>
<p class="MsoNormal">XXX</p>
<p class="MsoNormal">Sebenarnya apa sih yang dimaksud dengan racun pamungkas akusisi itu? Dalam „Babad Corporate Mergers and Acquisitions“ dijelaskan sebagai berikut :</p>
<p class="MsoNormal">Akusisi itu corporate strategi untuk ngalahi lawan bukan dengan cara membuat produk kita lebih baik atau lebih murah dari produk lawan, sehingga produk lawan tidak laku, lalu lawan kita kalah. Bukan, bukan itu.</p>
<p class="MsoNormal">Akusisi itu seperti racun cara kerjanya. Dia TIDAK mengalahkan musuhnya secara jantan dengan cara menunjukkan ke customer produk siapa yang lebih baik. Cara kerja akusisi itu, untuk mengalahkan lawan kita, maka beli aja itu perusahaan lawan sehingga menjadi milik kita. Beres thoh? Asal punya uang banyak gampang itu. Semua bisa diatur!</p>
<p class="MsoNormal">Lho bagaimana jika lawan kita ndak mau dibeli alias ndak mau diakusisi? Oh gampang, gunakan saja racun yang paling pekat (baca: tawarkan harga belinya yang paling tinggi). Pasti juga sang lawan ngiler dan meminum racun mematikan tersebut.</p>
<p class="MsoNormal">Jika sang lawan masih ngeyel juga, bersikeras bertahan tidak mau minum racun akusisi, lantas bagaimana? Paksain aja! Dalam metode akusisi biasanya ini dikenal dengan nama <em>hostile takeover</em>. Dibeli secara paksa melalui bursa saham atau direct langsung ke pemiliknya!</p>
<p class="MsoNormal">Dikarenakan prinsip kerja dari akusisi itu tidak berkompetisi secara terbuka untuk menunjukkan produk mana yang terbaik ke customer, maka saya pribadi lebih senang mengatakan bahwa akusisi adalah racun pamungkas yang berbahaya untuk membunuh lawan.</p>
<p class="MsoNormal"><em>Fortsetzung folgt</em> alias <em>to be continued</em> alias bersambung…</p>
<p class="MsoNormal">(Tulisan ini opini pribadi)</p>
<p class="MsoNormal">Salam Kho Phing Ho buat semua…</p>
<p class="MsoNormal">Dienstag, 06 Januar 2009</p>
<p class="MsoNormal">Dari Kesunyian Musim Dingin di Tepian Lembah Sungai Isar</p>
<p class="MsoNormal">Ferizal Ramli</p>
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		<title>Oracle awarded $1.3 billion in SAP lawsuit &#124; Business &#8211; InfoWorld</title>
		<link>http://cyberjan.wordpress.com/2011/01/11/oracle-awarded-1-3-billion-in-sap-lawsuit-business-infoworld/</link>
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		<pubDate>Tue, 11 Jan 2011 04:24:57 +0000</pubDate>
		<dc:creator>cyberjan</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[By James Niccolai Created 2010-11-23 03:04PM &#160; A jury has awarded Oracle $1.3 billion in damages in its corporate theft lawsuit against SAP, a blow to the German applications vendor, which had argued it should pay just $40 million for the software stolen by its TomorrowNow subsidiary. Oracle said it was &#8220;the largest amount ever [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=cyberjan.wordpress.com&amp;blog=7553039&amp;post=249&amp;subd=cyberjan&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<div class="print-submitted">By James Niccolai</div>
<div class="print-created">Created <em>2010-11-23 03:04PM</em></div>
<p>&nbsp;</p>
<div class="print-content">
<p>A jury has awarded  Oracle $1.3 billion in damages in its corporate theft lawsuit against  SAP, a blow to the German applications vendor, which had argued it  should pay just $40 million for the software stolen by its TomorrowNow  subsidiary.</p>
<p>Oracle said it was &#8220;the largest amount ever awarded  for software piracy.&#8221; Members of its legal team embraced each other as  the verdict was read in the U.S. District Court in Oakland, Calif.,  according to a person in the courtroom. Closing arguments had been  presented Monday afternoon, so the jury took less than a full day of  deliberations to reach its decision.</p>
<p><strong>[ Stay ahead of the key tech business news with InfoWorld's <a href="http://www.infoworld.com/newsletters/subscribe?showlist=infoworld_todays_headlines_first_look&amp;source=ifwelg_fssr">Today's Headlines: First Look newsletter</a> <span class="print-footnote">[1]</span>. | Read <a href="http://www.infoworld.com/d/the-industry-standard/blogs?source=fssr">Bill Snyder&#8217;s Tech&#8217;s Bottom Line blog</a> <span class="print-footnote">[2]</span> for what the key business trends mean to you. ]</strong></p>
<p>It  was not the full amount Oracle had asked for, but still considerably  more than SAP had said it should pay. Oracle CEO Larry Ellison testified  two weeks ago that SAP should have to pay as much as $4 billion to  cover the cost of the stolen software.</p>
<p>In the end, the amount  awarded was closer to the sum suggested by Oracle&#8217;s damages expert, who  put the figure at $1.7 billion. SAP&#8217;s damages expert had told the jury  that SAP should have to pay $40 million in damages, to cover Oracle&#8217;s  lost profits.</p>
<p>&#8220;We are, of course, disappointed by this verdict  and will pursue all  available options, including post-trial motions and  appeal if  necessary,&#8221; SAP said in a statement.</p>
<p><strong> </strong></p>
<p>The  verdict follows an 11-day trial that captivated Silicon Valley  with  the drama of the two biggest business-software-applications vendors   battling in court. Top executives including Ellison, Oracle   co-President Safra Catz and SAP co-CEO Bill McDermott  appeared in the   witness box.</p>
<p>The battle appears not to be entirely over, however,  and SAP  suggested its appeal could take a long time to play out. &#8220;This  will  unfortunately be a prolonged process and we continue to hope that  the  matter can be resolved appropriately without more years of  litigation,&#8221;  it said.</p>
<p>SAP never denied that TomorrowNow had <a href="http://www.computerworld.com/s/article/9194043/27_things_you_need_to_know_about_Oracle_SAP_and_HP">downloaded software and support materials illegally</a> <span class="print-footnote">[3]</span> from an Oracle website, although it did initially deny knowing about it. The trial was to determine how much SAP should pay.</p>
<p>TomorrowNow  provided low-cost support services to customers of JD  Edwards and  PeopleSoft, which Oracle had just acquired when SAP bought  TomorrowNow  in 2005. Oracle&#8217;s lawyers argued that SAP felt threatened by  the  acquisitions and bought TomorrowNow as a way to undercut Oracle&#8217;s   maintenance revenue from those applications, and to try to lure   customers to SAP&#8217;s own software.</p>
<p>The jury was given wide latitude  in deciding how much damages to  award. It apparently bought Oracle&#8217;s  argument that SAP should have to  cover the cost of a &#8220;hypothetical  license&#8221; &#8212; or whatever it would have  had to pay Oracle to license the  stolen software at fair market value.</p>
<p>SAP had argued that it  should have to pay only for the profits that  Oracle lost from customers  who switched to TomorrowNow&#8217;s services.  According to SAP, that  amounted to only tens of millions of dollars for a  handful of  customers.</p>
<p>SAP filed a few post-trial motions before the verdict  was delivered.  One of those asked the judge, in the event of a high  jury award, to  consider whether the damages are fair and appropriate.  It wasn&#8217;t  immediately clear Tuesday if Judge Phyllis Hamilton planned  to consider  those motions.</p>
<p>One observer said the verdict is more than a financial setback for SAP.</p>
<p>&#8220;The  bigger damage will likely be in the competitive marketplace,  where  Oracle will be pushing its new generation of Fusion apps and   application updates, and SAP has little to offer but a further tarnished   reputation,&#8221; said analyst Rebecca Wettemann, a vice president with   Nucleus Research.</p>
<p>SAP initially denied knowing about the illegal  software downloading  at TomorrowNow, which started before it bought the  company. But shortly  before the trial, it said it would not contest  &#8220;contributory  infringement&#8221; in the case. That means it acknowledged  that its  executives knew, or should have known, about the illegal  downloads.</p>
<p>&#8220;SAP learned the hard way today that stealing is wrong  and even big  software companies &#8212; especially big software companies  &#8212; will be  punished for it,&#8221; Wettemann said.</p>
</div>
<p>&nbsp;</p>
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		<title>Growing your Nest Egg</title>
		<link>http://cyberjan.wordpress.com/2010/11/03/growing-your-nest-egg/</link>
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		<pubDate>Wed, 03 Nov 2010 04:06:34 +0000</pubDate>
		<dc:creator>cyberjan</dc:creator>
				<category><![CDATA[Investment]]></category>

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		<description><![CDATA[Good article for the beginner investor&#8230;.like me<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=cyberjan.wordpress.com&amp;blog=7553039&amp;post=240&amp;subd=cyberjan&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Good article for the beginner investor&#8230;.like me <img src='http://s1.wp.com/wp-includes/images/smilies/icon_wink.gif' alt=';-)' class='wp-smiley' /> </p>
<p><a href="http://cyberjan.files.wordpress.com/2010/11/investing_growyoureggs.gif"><a href="http://cyberjan.files.wordpress.com/2010/11/investing_growyoureggs.gif"><img class="alignleft size-full wp-image-244" title="Investing_GrowYourEggs" src="http://cyberjan.files.wordpress.com/2010/11/investing_growyoureggs.gif?w=500&#038;h=503" alt="" width="500" height="503" /></a><br />
</a></p>
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		<title>Rahasia Jadi Jenius Ala Stephen Hawking</title>
		<link>http://cyberjan.wordpress.com/2010/10/22/rahasia-jadi-jenius-ala-stephen-hawking/</link>
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		<pubDate>Fri, 22 Oct 2010 06:07:19 +0000</pubDate>
		<dc:creator>cyberjan</dc:creator>
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		<description><![CDATA[Elin Yunita Kristanti &#124; Jum&#8217;at, 22 Oktober 2010, 06:00 WIB VIVAnews &#8211; Sekilas ia memang terlihat tak berdaya. Sudah 45 tahun hidup dijalaninya dalam kondisi lumpuh dan bergantung pada kursi roda. Untuk bicara sekalipun, pria 68 tahun itu harus menggunakan alat bantu. Namun, siapa yang tak kenal Stephen Hawking. Ia astrofisikawan terkemuka dunia yang menelurkan [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=cyberjan.wordpress.com&amp;blog=7553039&amp;post=233&amp;subd=cyberjan&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Elin Yunita Kristanti | Jum&#8217;at, 22 Oktober 2010, 06:00 WIB</p>
<p>VIVAnews &#8211; Sekilas ia memang terlihat tak berdaya. Sudah 45 tahun hidup dijalaninya dalam kondisi lumpuh dan bergantung pada kursi roda.  Untuk bicara sekalipun, pria 68 tahun itu harus menggunakan alat bantu. </p>
<p>Namun, siapa yang tak kenal Stephen Hawking. Ia astrofisikawan terkemuka dunia yang menelurkan teori-teori hebat, juga nekat mengeluarkan pernyataan kontroversial: tentang Tuhan dan alien. </p>
<p>Ketika memberikan kuliah umum di Royal Albert Hall, London, baru-baru ini, Hawking mengaku saat anak-anak, kemampuannya tidak luar biasa. </p>
<p>Bahkan, sebelum berusia 8 tahun, ia tak bisa membaca. Secara akademis, kemampuannya juga lambat. </p>
<p>&#8220;Kakak perempuanku Philippa justru bisa membaca sejak berusia empat tahun&#8230;.tapi kemudian, yang jelas ia lebih cerdas dari saya,&#8221; kata Hawking, seperti dimuat situs News.com.au, Kamis 21 Oktober 2010 malam. </p>
<p>Jangankan jadi juara kelas, saat sekolah, ia tak pernah ada di peringkat separuh teratas di kelas.</p>
<p>&#8220;Pekerjaanku di kelas berantakan. Tulisan tanganku mirip cakar ayam, sampai-sampai membuat guruku frustasi,&#8221; tambah dia. </p>
<p>Tapi, saat itu teman-temannya di kelas memberinya julukan &#8216;Einstein&#8217;,mengambil nama ilmuwan besar, Albert Einstein. </p>
<p>&#8220;Mungkin mereka melihat pertanda baik dari diriku,&#8221; kata dia. </p>
<p>Meski akhirnya berhasil memperoleh gelar dari universitas ternama, Oxford University, Hawking mengaku saat itu ia tak bersungguh-sungguh. Jujur, tiap harinya Hawking hanya mengalokasikan waktu sejam untuk mengerjakan tugas-tugasnya. </p>
<p>Hidup adalah pilihan, &#8220;kamu bisa jadi brilian tanpa usaha atau menerima segala keterbatasanmu dan mendapatkan gelar setinggi-tingginya.&#8221; </p>
<p>&#8220;Aku tidak bangga dengan hasilnya. Aku hanya mendeskripsikan perilakuku saat itu: sikap bosan dan merasa tak ada yang berarti untuk diraih.&#8221;</p>
<p>Lalu, kapan Hawking menjadi jenius?</p>
<p>Titik balik hidup Hawking terjadi di usianya yang ke-21 tahun. Saat itu, ia diberi tahu, bahwa hidupnya mungkin tinggal beberapa tahun lagi.</p>
<p>Inilah yang memacunya menjadi produktif. &#8220;Saat diberi tahu akan mati muda. Ini akan membuatmu sadar bahwa hidup sangat berharga. Tiba-tiba sangat banyak yang ingin kau lakukan di saat-saat terakhir,&#8221; kata Hawking.  </p>
<p>Justru saat tak berdaya, masa-masa menghadapi kemungkinan mati muda adalah periode emas bagi Hawking. Ia bangkit, berjuang, produktif sebagai ilmuwan, hingga membawanya ke penemuan dua teori besar, yakni Big Bang dan Black Hole. </p>
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		<title>Is It Better to Buy or Rent?</title>
		<link>http://cyberjan.wordpress.com/2010/09/14/is-it-better-to-buy-or-rent/</link>
		<comments>http://cyberjan.wordpress.com/2010/09/14/is-it-better-to-buy-or-rent/#comments</comments>
		<pubDate>Tue, 14 Sep 2010 09:27:31 +0000</pubDate>
		<dc:creator>cyberjan</dc:creator>
				<category><![CDATA[Cool Tips]]></category>
		<category><![CDATA[Investment]]></category>

		<guid isPermaLink="false">http://cyberjan.wordpress.com/?p=231</guid>
		<description><![CDATA[http://www.nytimes.com/interactive/business/buy-rent-calculator.html Published: March 2, 2010 Whether renting is better than buying depends on many factors, including how fast prices rise and how long you will stay in your home. Compare the costs of buying and renting equivalent homes.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=cyberjan.wordpress.com&amp;blog=7553039&amp;post=231&amp;subd=cyberjan&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.nytimes.com/interactive/business/buy-rent-calculator.html">http://www.nytimes.com/interactive/business/buy-rent-calculator.html</a></p>
<div id="pubdate" class="timestamp">Published: March 2, 2010</div>
<div id="summary" class="story">Whether renting is better than buying  depends on many factors, including how fast prices rise and how long you  will stay in your home. Compare the costs of buying and renting  equivalent homes.</div>
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		<title>10 steps to follow when buying a property</title>
		<link>http://cyberjan.wordpress.com/2010/09/07/10-steps-to-follow-when-buying-a%c2%a0property/</link>
		<comments>http://cyberjan.wordpress.com/2010/09/07/10-steps-to-follow-when-buying-a%c2%a0property/#comments</comments>
		<pubDate>Tue, 07 Sep 2010 01:53:05 +0000</pubDate>
		<dc:creator>cyberjan</dc:creator>
				<category><![CDATA[Cool Tips]]></category>
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		<description><![CDATA[By Mr. Propwise (courtesy of PropertyGuru) Buying a home is the biggest purchase most of us will make in our lives. Yet many people rush to buy a property with less preparation than they would planning a holiday. This can have financially disastrous consequences, especially in light of the new measures announced by the government on [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=cyberjan.wordpress.com&amp;blog=7553039&amp;post=229&amp;subd=cyberjan&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>By Mr. Propwise (courtesy of PropertyGuru)</p>
<p>Buying a home is the biggest purchase most of us will make in our lives.</p>
<p>Yet many people rush to buy a property with less preparation than they would planning a holiday. This can have financially disastrous consequences, especially in light of the new measures announced by the government on August 30th, which have created a lot of uncertainty in the property market. </p>
<p>Follow the steps laid out below when buying a property, and you will be much less likely to make an expensive mistake.</p>
<p>1. Decide whether you want to rent or buy</p>
<p>Buying a home is often an emotional decision. That’s fine – just make sure it’s a rational one too. Honestly ask yourself if you need to buy a home, and whether renting might be a viable option.</p>
<p>2. Calculate how much you can afford</p>
<p>First look at how much money you currently have, including cash and CPF. Note that based on the new measures, if you already have at least one loan outstanding, your minimum cash outlay will increase from 5 percent to 10 percent. Next, figure out how much you can borrow, taking all your outstanding debts into account. You can work with a banker, or use the affordability calculator available on LoanGuru (https://www.loanguru.com.sg/mortgage_affordability_calculator). Most banks will only lend up to a 35-50 per cent Debt Service Ratio (your total debt payments divided by your monthly income).</p>
<p>3. Figure out what sort of home you want</p>
<p>What are your current and future housing needs? For example, a newly married couple that buys a studio or one bedroom unit might find within a year or two that they need a two or three bedroom apartment once a baby is on the way. Would you prefer HDB or private property, if you can afford it? Which districts or areas do you prefer to live in? What are the amenities and public transportation options you want?</p>
<p>4. Build a list of options</p>
<p>You can choose to either use a buyer’s agent and/or go DIY. Look at both options offline (e.g. classified ads in the newspapers) and online (property websites) to get the largest pool to choose from. Based on what you’ve figured out from Steps 2 and 3 above, come up with a list of potential projects to consider.</p>
<p>5. Do market research and narrow down your choices</p>
<p>You can check the recent transacted prices of these projects from the PropertyGuru website. Compare prices there with surrounding projects. Compare the transacted prices with the asking prices. If you are buying for investment, look at the market rents and rental yields. Eliminate the projects that do not look attractive.</p>
<p>6. Go for property viewings</p>
<p>Based on this smaller list of projects, arrange viewings of at least a few different units in each project. It’s helpful to take photos and notes to help you remember what you saw. Visit each project at different times of the day and night to see if it is noisy or otherwise unpleasant. Narrow down your list to your top few units and do a second viewing if necessary.</p>
<p>7. Get indicative valuations and your mortgage pre-approved</p>
<p>Don’t miss this critical step! Before you make an offer, ensure that you have gotten an indicative valuation from a bank and an in-principle approval for a mortgage. You can approach the different banks yourself or use a mortgage broker to save time. Based on the new measures, if you already have an outstanding loan, your Loan To Valuation (LTV) limit has been lowered to 70 percent from 80 percent, so you’ll need to cough up more cash. Also, banks will only lend to you based on the LOWER of the valuation limit or purchase price, so if you are buying above the bank’s valuation, you will need to pay the difference in cash. If you are selling your existing home to purchase a new one and hope to borrow at 80 percent LTV, you now need to present proof to qualify (in the form of a signed purchase agreement for your current home and certification showing that stamp duty for your existing property has already been paid for by the buyer).</p>
<p>8. Make an offer and negotiate the purchase</p>
<p>Once you get the indicative valuations and at least one pre-approved mortgage from the bank, you can then make an offer knowing you can borrow what you need. There have been a number of unfortunate cases of buyers who have lost their deposits because they realised later that banks would not finance their purchase. When negotiating the purchase price, it helps to have a number of options on hand so you are not forced to overpay due to a lack of options.</p>
<p>9. Sign and exercise the Option To Purchase</p>
<p>If the seller accepts your bid, typically you have to put down a 1 percent deposit to get the Option To Purchase (OTP), and have 14 days to exercise it, by which time you will have to pay another 4 percent of the purchase price. Make sure you have the funds on hand to do so. Once you get the OTP, liaise with your conveyancing lawyer and mortgage banker to settle the procedures.</p>
<p>10. Complete the sale and collect the keys</p>
<p>Before the completion date, do an inspection of the home to confirm that all agreed on fixtures and items are still around. On the date itself, collect the keys and check that you have a complete set. Congratulations! You are the owner of a new home. Time to think about renovation and furnishing…</p>
<p>Mr. Propwise is the founder of the Singapore property blog www.propwise.sg; which aims to help people make better real estate buying, selling, renting and investing decisions.</p>
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		<title>Why Chose JD Edwards Enterprise One</title>
		<link>http://cyberjan.wordpress.com/2010/08/28/why-chose-jd-edwards-enterprise-one/</link>
		<comments>http://cyberjan.wordpress.com/2010/08/28/why-chose-jd-edwards-enterprise-one/#comments</comments>
		<pubDate>Sat, 28 Aug 2010 05:30:21 +0000</pubDate>
		<dc:creator>cyberjan</dc:creator>
				<category><![CDATA[Hot News]]></category>
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		<guid isPermaLink="false">https://cyberjan.wordpress.com/2010/08/28/why-chose-jd-edwards-enterprise-one/</guid>
		<description><![CDATA[Why Chose JD Edwards Enterprise One (JDE vs. SAP) 1. JDE has core functionality in Financials, Distribution and Manufacturing. Payroll and HR do exist, although they really didn&#8217;t become stable until after Peoplesoft had purchased JDE (i.e., from 8.9 onwards) &#8211; and realistically most of the stability is in the 8.11 and 8.12 product in [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=cyberjan.wordpress.com&amp;blog=7553039&amp;post=225&amp;subd=cyberjan&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Why Chose JD Edwards Enterprise One<br />
(JDE vs. SAP)</p>
<p>1. JDE has core functionality in Financials, Distribution and Manufacturing. Payroll and HR do exist, although they really didn&#8217;t become stable until after Peoplesoft had purchased JDE (i.e., from 8.9 onwards) &#8211; and realistically most of the stability is in the 8.11 and 8.12 product in these areas. If you&#8217;re running any version prior to that, then I agree, it’s not a very stable product. Note, therefore, that the product HAS been revamped &#8211; many times &#8211; over the past five years.</p>
<p>2. JDE is an object-orientated architecture. Data and Logic are treated as indeterminate objects, and can be moved around &#8220;magically&#8221; in the enterprise architecture to improve scalability and performance. The standalone &#8220;demo&#8221; of JDE is not a cut-down version for example, it’s the entire product with everything mapped locally. SAP on the other hand is very much host-centric, requires a huge hardware investment &#8211; and cannot be solely run on a single workstation.</p>
<p>3. JDE is platform independent. No other ERP system can truly state this. Even in the midst of production, it is possible to add additional logic servers, database servers and &#8220;map&#8221; logic and data onto these servers &#8211; even custom logic &#8211; without the users being impacted. A migration from AS/400 to SQL server or Oracle, for example, can be done with the simplest of ease &#8211; taking no more than a couple of days of testing and migration to achieve. Try doing that on SAP. Not only that, but support of a new database or platform is easy for JDE &#8211; the proprietary middleware is adaptable and is separated from the business logic. Supporting Solaris, for example, took 4 weeks; same with UDB. If there is demand for Apple OS-X as a platform, it would take 4 weeks for the company to support the platform. It’s a future secure product.</p>
<p>4. The code is adaptable, AT RUNTIME. In effect, you have the ability to change process flows, workflow and adapt the business AT WILL. Changes to how a program should be used can be deployed with NO impact to production &#8211; additional business units; chart of accounts can all be modified live in a production environment if wished (obviously its important to test these changes first). Everything can be adapted to suit the business requirements first and foremost. SAP requires yet another &#8220;implementation&#8221; to do this.</p>
<p>5. Change the software to match the business. While SAP requires that the business changes to its &#8220;default&#8221; models &#8211; this is not necessary under JDE. In effect, this means that the software is totally adaptable to any company’s process flow &#8211; no matter how horrible it might be! Of course, it’s preferable to adapt certain models when a company implements &#8211; and JDE might not have been proficient in the past for providing such models &#8211; but EnterpriseOne can match ANY company’s requirements.</p>
<p>6. You get the SAME toolset as the software company &#8211; together with ALL the source code for all business logic. Obviously the code is proprietary, and I couldn&#8217;t post the source code to Sales Order Entry here, for example &#8211; but if you own JDE, you own the source. You can modify the code at will or create your own code with exactly the same toolset. SAP and other ERP solutions provide different tools for different tasks &#8211; but it’s not possible to change the default functionality easily. I could, if I wanted to, delete ALL my functional code and create my very own ERP functionality just using the toolset!</p>
<p>7. JDE code is 100% deployed to the web. Now, this is an interesting one. If you take a look at how the toolset works, you&#8217;ll see there is a &#8220;form design aid&#8221; for example. In here, you&#8217;ll develop your form and the logic behind the form &#8211; and when you deploy that form &#8211; it will instantly deploy both to a windows client and to a web server. The functionality is identical, just the interface is different. If JDE wanted to support a new type of GUI (for example, python) &#8211; then they change the &#8220;transmogrifier&#8221; and instantly add another GUI to their support. SAP has to come out with an entire release to support a different GUI.</p>
<p>8. Upgradeability. Because the business objects are written in a form that is version independent &#8211; upgrading to a new version is fast and relatively easy. In fact, the &#8220;tool&#8221; release (the code that customers DON&#8217;T get the source for &#8211; the middleware and presentation-generating logic) takes less than a day to adapt to. New databases, for example, can be supported in a very minor upgrade. Again, an entire release and a very lengthy &#8220;upgrade&#8221; are required with SAP and other products. In fact, customers can &#8220;pick and choose&#8221; what &#8220;flavor&#8221; of the product to which they want to upgrade; a very powerful option for the customer (but not great to try and support!).</p>
<p>Those are the points on top of my head. Its very VERY rare you EVER hear of a customer moving successfully from JDE to another ERP system. Once they get JDE, they stick to it. On the other hand, I&#8217;ve been involved (as you are currently) in many companies that have migrated FROM another ERP system (such as SAP) to JDE.</p>
<p>EnterpriseOne is technically the most advanced ERP system out there. Certainly the functionality might have had issues in certain areas &#8211; but over the past few years, this has been improved to the point where I see customers applying very few customizations to go live.</p>
<p>JDE is revamped EVERY DAY. There are improvements to functionality in the system &#8211; bug fixes, performance improvements &#8211; that are released, literally, EVERY day. Today, for example, more than 30 changes have been released for certain products. Whether a company needs to implement those changes is another matter. </p>
<p>Jon Steel &#8211; EnterpriseOneTechnical Specialist<br />
ERP Sourcing LLC<br />
Email erpSourcing LLC<br />
(904) 382 5701</p>
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		<title>BI: Redenominasi Mata Uang Bukan Sanering</title>
		<link>http://cyberjan.wordpress.com/2010/08/06/bi-redenominasi-mata-uang-bukan-sanering/</link>
		<comments>http://cyberjan.wordpress.com/2010/08/06/bi-redenominasi-mata-uang-bukan-sanering/#comments</comments>
		<pubDate>Fri, 06 Aug 2010 00:03:41 +0000</pubDate>
		<dc:creator>cyberjan</dc:creator>
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		<description><![CDATA[BI: Redenominasi Mata Uang Bukan Sanering Heri Susanto, Nur Farida Ahniar &#124; Selasa, 3 Agustus 2010, 13:24 WIB VIVAnews &#8211; Gubernur Bank Indonesia Darmin Nasution menjelaskan bahwa redenominasi adalah penyederhanaan nilai mata uang rupiah, tetapi bukan sanering. &#8220;Redenominasi ini terminologi yang tidak terlalu mudah buat lidah kita, tetapi pengertiannya bukan sanering atau pemotongan nilai uang,&#8221; [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=cyberjan.wordpress.com&amp;blog=7553039&amp;post=224&amp;subd=cyberjan&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>BI: Redenominasi Mata Uang Bukan Sanering</p>
<p>Heri Susanto, Nur Farida Ahniar | Selasa, 3 Agustus 2010, 13:24 WIB</p>
<p>VIVAnews &#8211; Gubernur Bank Indonesia Darmin Nasution menjelaskan bahwa redenominasi adalah penyederhanaan nilai mata uang rupiah, tetapi bukan sanering. </p>
<p>&#8220;Redenominasi ini terminologi yang tidak terlalu mudah buat lidah kita, tetapi pengertiannya bukan sanering atau pemotongan nilai uang,&#8221; ujar Darmin di Jakarta, Selasa, 3 Agustus 2010.</p>
<p>Jika diartikan secara sederhana, kata dia, redenominasi berarti penyederhanaan penyebutan satuan harga maupun nilai mata uang. Maksudnya, pecahan mata uang disederhanakan tanpa mengurangi nilai dari uang. Nilai mata uang tetap sama meski angka nolnya berkurang. Misalnya, Rp1000 menjadi Rp1, sedangkan Rp1 juta menjadi Rp1000.</p>
<p>Darmin memberikan contoh dengan mata uang lama, membeli barang dengan harga Rp300 ribu sama dengan Rp300 dengan mata uang baru. Jumlah barang yang diperoleh juga sama. Begitupun dengan gaji Rp5 juta dengan uang lama sama dengan Rp5000 dalam uang baru.</p>
<p>BI mengingatkan nilai pecahan mata uang Indonesia sebesar Rp100 ribu merupakan angka terbesar kedua di dunia. Pecahan mata uang Indonesia itu hanya kalah dari dong Vietnam yang memiliki pecahan 500 ribu. Namun, jika Zimbabwe dimasukkan, maka pecahan Indonesia berada di urutan ketiga terbesar di dunia.</p>
<p>BI menganggap uang pecahan yang cukup besar memang kurang efisien. Masalahnya, uang besar justru membuat proses pembayaran dan transaksi tunai menjadi lebih susah.</p>
<p>Jadi, BI menekankan redenominasi berbeda dengan sanering atau pemotongan uang. BI menekankan sanering selalu dilakukan oleh suatu negara dalam kondisi ekonomi tidak stabil. Itu bisa dalam situasi inflasi tinggi sehingga nilai mata uangnya dan daya beli merosot dengan cepat. Karenanya, perlu dilakukan pemotongan nilai uang atau senering. </p>
<p>&#8220;Nah ini sama sekali bertolak berlakang, redenominasi dilakukan dalam kondisi perekonomian sedang stabil, artinya perekonomian tumbuh dan inflasi terkendali,&#8221; kata dia. </p>
<p>Lantas, mengapa BI merasa perlu membicarakan soal redenominasi? </p>
<p>Dia menjawab, ini proses yang akan membutuhkan waktu sangat panjang. Menurut dia, pertumbuhan ekonomi sedang baik, inflasi juga terkendali, meski ada kenaikan harga cabe rawit. Bahkan, dalam beberapa tahun ke depan, inflasi mengarah pada 5% atau kurang. </p>
<p>&#8220;Karena itu, saatnya kita mulai mengajak masyarakat untuk mengerti apa yang akan dilaksanakan, lewat sosialisasi dan sebagainya,&#8221; kata dia.  </p>
<p>Apalagi, untuk mewujudkannya membutuhkan waktu hingga 10 tahun dari sekarang. Sekarang ini, kami berada pada tahap finalisasi riset dan studi yang insyah Allah final akhir tahun ini. Sudah dua tahun kami lakukan studi soal ini.</p>
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