tag:blogger.com,1999:blog-47725626826164453902024-03-05T19:48:10.061-08:00감사합니다Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.comBlogger59125tag:blogger.com,1999:blog-4772562682616445390.post-91505630791046049892015-06-12T08:48:00.001-07:002015-06-12T08:48:21.725-07:00koperasi 3<!--[if gte mso 9]><xml>
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<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; 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%;">PEMBANGUNAN
& PENGEMBANGAN KOPERASI DI NEGARA BERKEMBANG</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Perkembangan Koperasi diberbagai bagian dunia cenderung
berbeda-beda. Perkembangan Koperasi di Negara-negara Eropa Barat dan Jepang
telah memasuki tahap perkembangan sangat maju. Dikedua wilayah ini Koperasi
telah berkembang sebagai salah satu pelaku ekonomi yang bersaing secara wajar, dengan
pelaku-pelaku ekonomi lainnya. Kenyataan yang berlainan kita jumpai di Asia
Selatan dan Asia Tenggara perkembangan Koperasi diwilayah ini boleh dikatakan
sesuai dengan harapan (Baswir, 1997).</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Gerakan Koperasi di dunia, dimulai pada pertengahan abad 18
dan awal abad 19 di Inggris. Lembaga ini sering disebut dengan "KOPERASI
PRAINDUSTRI". Dari <span style="mso-spacerun: yes;"> </span>sejarah perkembangannya,
dimulai dari munculnya revolusi industri di Inggris tahun 1770 yang
menggantikan tenaga manusia dengan mesin-mesin industri yang berdampak pada
semakin besarnya pengangguran hingga revolusi Perancis tahun 1789 yang
awalnya ingin menumbangkan kekuasaan raja yang <i style="mso-bidi-font-style: normal;">feodalistik</i>, ternyata memunculkan hegemoni baru oleh kaum
kapitalis. Semboyan <i style="mso-bidi-font-style: normal;">Liberte-Egalite-Fraternite</i>
(kebebasan-persamaan-kebersamaan) yang semasa revolusi didengung-dengungkan
untuk mengobarkan semangat perjuang rakyat berubah tanpa sedikitpun memberi
dampak perubahan pada kondisi ekonomi rakyat. Manfaat <i style="mso-bidi-font-style: normal;">Liberte</i> (kebebasan) hanya menjadi milik mereka yang memiliki
kapital untuk mengejar keuntungan sebesar-besarnya. Semangat Egalite dan
Fraternite (persamaan dan persaudaraan) hanya menjadi milik lapisan masyarakat
dengan strata sosial tinggi (pemilik modal;kapitalis). </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Dalam keadaan serba kritis dan darurat dimana kesenjangan
antara rakyat (buruh) dengan pemilik modal semakin besar baik di Inggris
maupun di Perancis itulah yang mendorong munculnya cita-cita untuk membangun
tatanan masyarakat yang lebih egaliter dimana kekayaan dibagikan secara lebih
merata, pembatasan terhadap kepemilikan pribadi dan pembatasan terhadap
persaingan yang tidak sehat serta perlunya kerjasama antar kelas sosial.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Beberapa contoh pembangunan dan pengembangan koperasi di Negara
berkembang yaitu Negara Filipina dan Negara Timur Leste:</span></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -21.3pt;">
<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><u><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Perkembangan
koperasi di Filipina</span></u></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-bidi-font-weight: bold;">Filipina</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%;">
atau <span style="mso-bidi-font-weight: bold;">Republik Filipina</span>
(Republika ng Pilipinas) adalah sebuah negara republik di <a href="http://id.wikipedia.org/wiki/Asia_Tenggara" title="Asia Tenggara"><span style="color: windowtext; text-decoration: none; text-underline: none;">Asia Tenggara</span></a>,
sebelah utara <a href="http://id.wikipedia.org/wiki/Indonesia" title="Indonesia"><span style="color: windowtext; text-decoration: none; text-underline: none;">Indonesia</span></a>,
dan <a href="http://id.wikipedia.org/wiki/Malaysia" title="Malaysia"><span style="color: windowtext; text-decoration: none; text-underline: none;">Malaysia</span></a>.
Filipina merupakan sebuah negara kepulauan yang terletak di Lingkar Pasifik
Barat, negara ini terdiri dari 7.107 pulau. Selama ribuan tahun, warga
kepulauan Filipina yang bahagia, dan pekerja keras ini telah mengembangkan
sistem cocok tanam <a href="http://id.wikipedia.org/wiki/Padi" title="Padi"><span style="color: windowtext; text-decoration: none; text-underline: none;">Padi</span></a>
yang sangat maju, yang menyediakan makanan pokok bagi masyarakatnya. begitu
pula perkembangan koperasi yang ada di Filipina</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";">Lahirnya koperasi di Filipina dipicu oleh lahirnya kebijakan
reforma Agraria. Salah satu koperasi yang berhasil adalah Federasi Koperasi
Mindanao (FEDCO). Koperasi sekunder ini memiliki sekitar 20 anggota koperasi
dan 3.600 petani perorangan. Anggota koperasi tersebut mengelola hampir 5,000
hektar lahan dengan komoditi pisang. FEDCO mengekspor pisang cavendish ke
Jepang, Cina, Korea, dan Timur Tengah. Sebagian besar petani anggota FEDCO
adalah penerima manfaat program reforma agraria dan dukungan dari bank untuk melanjutkan
pengembangan koperasi. FEDCO mendapatkan dukungan dari bank. Bank memberikan
pinjaman koperasi kemudian meminjamkan ke anggota untuk mengembangkan komoditi
dari produksi hingga pemasaran. Bank ini juga menjadi tempat pembayaran jika
ada transaksi pembelian. Selain dukungan pemerintah, LSM, dan bank, koperasi
petani juga <a href="http://setivayana.blogspot.com/2011/11/javascript:void%280%29"><span style="color: windowtext; text-decoration: none; text-underline: none;">perlu</span></a>
menjaga jaringan sesama koperasi. Melalui jaringan koperasi ini, para petani
juga semakin mudah untuk berbagi informasi diantara mereka. MIDECO adalah salah
satu koperasi yang pendiriannya didukung oleh LSM pada tahun 1986.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -21.3pt;">
<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";">Perkembangan
koperasi di Timur Leste</span></div>
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<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";">Pertumuhan
koperasi di Timur Leste mengadopsi model koperasi wanita, Setia Budi Wanita
(SBW) JawaTimur, terutama dalam hal manajemen tanggung renteng.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 57.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<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";">Koperasi
di Timur Leste merupakan salah satu pilar ekonomi Negara selain sektor publik
& swasta.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 57.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<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";">Jumlah
koperasi di Timur Leste sebanyak 84 unit. Kegiatannya berimbang antara koperasi
simpan pinjam dan koperasi serba usaha. Sampai pada tahun 2017, pemerintah
menargetkan koperasi tumbuh menjadi 300 koperasi.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: -18.0pt;">
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<span style="font-family: "Times New Roman",serif; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><a href="http://repository.usu.ac.id/bitstream/123456789/25119/4/Chapter%20I.pdf"><span style="color: windowtext; text-decoration: none; text-underline: none;">http://repository.usu.ac.id/bitstream/123456789/25119/4/Chapter%20I.pdf</span></a></span></div>
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<span style="font-family: "Times New Roman",serif; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">http://yenni1899.blogspot.com/2015/01/tugas-4-ekonomi-koperasi.html</span></div>
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<cite><span style="mso-bidi-font-size: 12.0pt;">https://ml.scribd.com/doc/197172907/<span style="mso-bidi-font-weight: bold;">KOPERASI</span>-SIMPAN-PINJAM</span></cite><span style="font-family: "Times New Roman",serif; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">
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Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-70275246413805507232015-05-24T22:54:00.000-07:002015-05-24T22:54:00.573-07:00Koperasi (2)<!--[if gte mso 9]><xml>
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<br />
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 14.0pt; line-height: 150%; mso-bidi-font-size: 12.0pt;">Koperasi
Makmur Mandiri Cabang Bekasi</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGzz7kkTPuM7xsNEeqJSgoKM1Ye4sBH9f2VJxu6D5hvowT1-1TIfcNCbnO4Iq1xLJBApKRgqHJ2X4ewG9YN9_vFY_ruhrvuEyfT5cLrcndq8WgxPnnTNxXKsp5OkP3ZgYHWnqiifxEJrc/s1600/26335_579970652013674_1204504652_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGzz7kkTPuM7xsNEeqJSgoKM1Ye4sBH9f2VJxu6D5hvowT1-1TIfcNCbnO4Iq1xLJBApKRgqHJ2X4ewG9YN9_vFY_ruhrvuEyfT5cLrcndq8WgxPnnTNxXKsp5OkP3ZgYHWnqiifxEJrc/s1600/26335_579970652013674_1204504652_n.jpg" /></a></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Alamat Koperasi Makmur Mandiri
Cabang Bekasi</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<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><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Ruko Niaga Kalimas Blok
C No. 1 Bekasi Timur-Jawa Barat. Telp: 021-8835 5919</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;">Alamat Kantor Pusat Koperasi Makmur
Mandiri</span></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo1; text-align: justify; text-indent: -18.0pt;">
<span lang="IN" style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-CN;"><span style="mso-list: Ignore;">·<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%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Jl. Sultan Agung KM. 27 No. 5
Pondok Ungu Kota Bekasi – Jawa Barat. Telp : 021 – 889 0812, Fax : 021 – 8833
6631</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"><span style="mso-tab-count: 1;"> </span>Koperasi
Simpan Pinjam Makmur Mandiri merupakan lembaga keuangan non Bank yang didirikan
berdasarkan Badan hukum koperasi Nomor 18/518/SK/UMKM/2009 tepatnya pada tanggal
16 juni 2009 dengan bidang usaha “Simpan Pinjam” Visi koperasi Makmur Mandiri,
menjadi koperasi yang mandiri dengan mengedepankan pelayanan terbaik didalam
membangun dan mengembangkan potensi ekonomi rakyat. Misi, meningkatkan kinerja
koperasi yang sehat, memberikan pelayanan terbaik kepada anggota atau calon
anggota. Motto Koperasi Makmur Mandiri<span style="mso-spacerun: yes;">
</span>adalah Maju dan Sukse Bersama Anggota. Komitmen selalu berusaha menjadi
koperasi yang mandiri dan profesional dalam mewujudkan dan mengembangkan
potensi dan kemampuan ekonomi anggota, khususnya masyarakat pada umumnya. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;">
<br /></div>
<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;"><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;">1. JENIS &
BENTUK KOPERASI MAKMUR MANDIRI</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Koperasi Makmur Mandiri merupakan Koperasi simpan pinjam dengan
jenis-jenis usahanya meliputi Simpanan (Simpanan Berjangka Deposito), Pinjaman,
Kredit Usaha dan SOPP (System Online Payment Point) yang merupakan jasa layanan
pembayaran secara real time, meliputi Pembayaran Listrik PLN, PDAM, Tagihan
Telepon, Angsuran Kredit dan Pembelian Pulsa Telepon Seluler.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<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;"><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;"> 2. PERMODALAN
KOPERASI MAKMUR MANDIRI</span><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-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Permodalan Koperasi Makmur Mandiri berasal dari:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo3; text-align: justify; text-indent: -18.0pt;">
<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><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Modal sendiri,</span><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-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo4; text-align: justify; text-indent: -18.0pt;">
<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><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Simpanan Pokok</span><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-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo4; text-align: justify; text-indent: -18.0pt;">
<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><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Simpanan Wajib</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<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><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Simpanan
Sukarela</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<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><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Dana Cadangan</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<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><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Hibah</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<br /></div>
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<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;">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;">Modal Pinjaman,</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<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><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Pinjaman dari
anggota koperasi itu sendiri</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<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><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Pinjaman dari
bank</span><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-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo5; text-align: justify; text-indent: -18.0pt;">
<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><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US;">Pinjaman dari
anggota koperasi lain</span><span lang="IN" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%;"></span></div>
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<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -18.0pt;">
<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;"><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;"> 3. KEBERHASILAN
KOPERASI MAKMUR MANDIRI</span><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-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt;">
<span style="color: black; 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"; mso-fareast-language: EN-US;">Untuk mempermudah dan meningkatkan pelayanan
Koperasi Makmur Mandiri dengan para anggota dan nasabah maka Koperasi Makmur
Mandiri telah bekerjasama dengan Bank Syariah Mandiri dimana semua anggota dan
nasabah dapat melakukan transaksi penarikan serta transaksi Debit di seluruh
mesin ATM di Indonesia. CV. ALFA-TEKNOLOGI bekerjasama dengan Koperasi Makmur
Mandiri dalam pembuatan sistem administrasi pinjaman dan simpanan yang
terintegrasi sehingga akurasi pendataan dapat terjamin dan pelayanan kepada
seluruh anggota dan nasabah lebih optimal. Selain itu koperasi Makmur Mandiri
hingga sekarang tercatat memiliki beberapa cabang diantaranya cabang Tambun,
Bekasi Timur, Karawang, Jonggol, Cicurug, Cikupa, Serang, Cikampek, Semarang,
Cirebon, Cikarang, Purwakarta dan Medan.</span></div>
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<i style="mso-bidi-font-style: normal;"><span style="color: black; font-family: "Batang","serif"; line-height: 150%; mso-ansi-language: EN-US; mso-bidi-font-family: "Arabic Typesetting"; mso-bidi-font-size: 12.0pt; mso-fareast-language: EN-US;">Sumber :</span></i></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<span style="font-family: "Times New Roman","serif"; line-height: 150%; mso-ansi-language: EN-US; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;"><a href="http://sucimutiara10.blogspot.com/2011/12/penelitian-koperasi-makmur-mandiri.html"><span style="color: windowtext; text-decoration: none; text-underline: none;">http://sucimutiara10.blogspot.com/2011/12/penelitian-koperasi-makmur-mandiri.html</span></a></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify;">
<span style="color: black; font-family: "Times New Roman","serif"; line-height: 150%; mso-ansi-language: EN-US; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: EN-US;">http://reginatya85.blogspot.com/2015/01/koperasi-makmur-mandiri.html</span></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-70682523189138393292015-05-01T21:03:00.000-07:002015-05-01T21:03:10.248-07:00Koperasi<!--[if !mso]>
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<br />
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif"; font-size: 14.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Koperasi Makmur
Mandiri Cabang Bekasi</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Alamat
Koperasi Makmur Mandiri Cabang Bekasi</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<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 dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Ruko
Niaga Kalimas Blok C No. 1 Bekasi Timur-Jawa Barat. Telp: 021-8835 5919</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Alamat
Kantor Pusat Koperasi Makmur Mandiri</span></div>
<div class="MsoListParagraph" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-CN;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Jl. Sultan Agung KM. 27 No. 5 Pondok Ungu Kota
Bekasi – Jawa Barat. Telp : 021 – 889 0812, Fax : 021 – 8833 6631</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-tab-count: 1;"> </span>Koperasi Simpan Pinjam Makmur
Mandiri merupakan lembaga keuangan non Bank yang didirikan berdasarkan Badan
hukum koperasi Nomor 18/518/SK/UMKM/2009 tepatnya pada tanggal 16 juni 2009
dengan bidang usaha “Simpan Pinjam” Visi koperasi Makmur Mandiri, menjadi
koperasi yang mandiri dengan mengedepankan pelayanan terbaik didalam membangun
dan mengembangkan potensi ekonomi rakyat. Misi, meningkatkan kinerja koperasi
yang sehat, memberikan pelayanan terbaik kepada anggota atau calon anggota.
Motto Koperasi Makmur Mandiri<span style="mso-spacerun: yes;"> </span>adalah
Maju dan Sukse Bersama Anggota. Komitmen selalu berusaha menjadi koperasi yang
mandiri dan profesional dalam mewujudkan dan mengembangkan potensi dan
kemampuan ekonomi anggota, khususnya masyarakat pada umumnya. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Koperasi
Makmur Mandiri memiliki beberapa produk diantaranya:</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; mso-text-indent-alt: -14.2pt; text-align: justify; text-indent: -21.3pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Produk
Simpanan</span></div>
<div align="center" class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: center;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Simpanan
Berjangka (DEPOSITO)</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Simpanan ini ditujukan untuk masyarakat luas sebagai anggota/calon
anggota koperasi. Koperasi mandiri memberikan suku bungan simpanan diatas
rata-rata yang diberikan oleh perbankan serta bebas biaya administrasi. Penyetoran
dan pengambilan dapat dilakukan setiap jam kerja. Bagi anggota/calon anggota
yang menabung diatas Rp. 100.000.000 atau lebih, maka akan diberikan jaminan
berupa Sertifikat, BPKB dan bentuk jaminan lainnya yang sebanding dengan jumlah
uang yang ditabung, itu semua tidak terlepas karena koperasi makmur mandiri
bukan lembaga keuangan yang berbentuk bank dimana simpanan telah dilindungi oleh
LPS (Lembaga Penjamin Simpanan).</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div align="center">
<table border="1" cellpadding="0" cellspacing="0" class="MsoTableGrid" style="border-collapse: collapse; border: none; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 28.5pt;" valign="top" width="38">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">No.</span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 175.35pt;" valign="top" width="234">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">SALDO
TABUNGAN</span></div>
</td>
<td style="border-left: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-themecolor: text1; mso-border-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.6pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">BUNGA PER
TAHUN</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 28.5pt;" valign="top" width="38">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">1</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 175.35pt;" valign="top" width="234">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Kurang dari Rp. 200.000</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.6pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">0</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 28.5pt;" valign="top" width="38">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">2</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 175.35pt;" valign="top" width="234">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Rp. 200.000 s/d 1.999.999</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; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.6pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">6%</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 28.5pt;" valign="top" width="38">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">3</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 175.35pt;" valign="top" width="234">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Rp. 2000.000 s/d 19.999.999</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.6pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">9%</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 28.5pt;" valign="top" width="38">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">4</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 175.35pt;" valign="top" width="234">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Rp. 20.000.000 s/d 49.999.999</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.6pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">12%</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 28.5pt;" valign="top" width="38">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">5</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 175.35pt;" valign="top" width="234">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Rp. 50.000.000 s/d 99.999.999</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.6pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">15%</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6; mso-yfti-lastrow: yes;">
<td style="border-top: none; border: solid black 1.0pt; mso-border-alt: solid black .5pt; mso-border-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 28.5pt;" valign="top" width="38">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">6</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 175.35pt;" valign="top" width="234">
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Rp. 100.000.000 atau lebih</span></div>
</td>
<td style="border-bottom: solid black 1.0pt; border-left: none; border-right: solid black 1.0pt; border-top: none; mso-border-alt: solid black .5pt; mso-border-bottom-themecolor: text1; mso-border-left-alt: solid black .5pt; mso-border-left-themecolor: text1; mso-border-right-themecolor: text1; mso-border-themecolor: text1; mso-border-top-alt: solid black .5pt; mso-border-top-themecolor: text1; padding: 0cm 5.4pt 0cm 5.4pt; width: 127.6pt;" valign="top" width="170">
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">18%</span></div>
</td>
</tr>
</tbody></table>
</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; mso-text-indent-alt: -14.2pt; text-align: justify; text-indent: -21.3pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Produk
Pinjaman</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Besar pinjaman yang diberikan oleh koperasi simpan pinjam Makmur
Mandiri yaitu Rp. 1.000.000 s/d Rp. 25.000.000, jangka waktu maksimal 24 bulan,
persyaratan ringan, bunga bersaing, pinjaman yang diberikan telah dilindungi
oleh asuransi, koperasi Makmur Mandiri juga melayani Take Over dari Bank atau
koperasi lain.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; mso-text-indent-alt: -14.2pt; text-align: justify; text-indent: -21.3pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Produk
Kredit Usaha</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.25pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; mso-text-indent-alt: -14.2pt; text-align: justify; text-indent: -21.25pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span>4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">SOPP
(System Online Payment Point)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.25pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">System On
– line Payment Point merupakan jasa layanan pembayaran secara real time. Saat
ini KSP Makmur Mandiri telah melayani SOPP untuk : Pembayaran Listrik PLN, Pembayaran
PDAM, Pembayaran Tagihan Telepon, Pembayaran Angsuran Kredit, Pembelian Pulsa
Telepon Seluler, Pembayaran Kartu Kredit, Pembayaran Angsuran Motor</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.25pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Pembagian
SHU</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"><span style="mso-tab-count: 1;"> </span>Pada
umumnya pembagian Sisa Hasil Usaha menurut UU No. 25/1992 pasal 5 ayat 1
mengatakan bahwa “<i>Pembagian SHU kepada anggota dilakukan tidak semata-mata berdasarkan
<b>modal </b>yang dimiliki seseorang dalam koperasi, tetapi juga berdasarkan
perimbangan <b>jasa usaha</b> anggota terhadap koperasi. Ketentuan ini
merupakan perwujudan kekeluargaan dan keadilan”.</i></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Di dalam AD/ART koperasi telah
ditentukan pembagian SHU sebagai berikut: Cadangan koperasi 40%, jasa anggota
40%, dana pengurus 5%, dana karyawan 5%, dana pendidikan 5%, dana sosial 5%,
dana pembangunan lingkungan 5%.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Tidak semua komponen di atas
harus diadopsi dalam membagi SHU-nya. Hal ini tergantung dari keputusan anggota
yang ditetapkan dalam rapat anggota.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Perhitungan</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US" 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"; mso-fareast-language: ZH-CN;">SHU per anggota</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"></span></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-CN;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">SHU<sub>A </sub>= JUA + JMA</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Di mana :</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">SHU<sub>A<span style="mso-tab-count: 1;"> </span></sub>= Sisa Hasil Usaha Anggota </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">JUA<span style="mso-tab-count: 1;"> </span>= Jasa Usaha Anggota </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">JMA<span style="mso-tab-count: 1;"> </span>= Jasa Modal Anggota<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">SHU
per anggota dengan model matematika</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-CN;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">SHU <sub>Pa </sub>=<span style="mso-spacerun: yes;"> </span>V<sub>a<span style="mso-spacerun: yes;">
</span><u><span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span></u></sub>x<sub> </sub>JUA<u><sub> +<span style="mso-spacerun: yes;"> </span></sub></u>S<sub> a<u><span style="mso-spacerun: yes;"> </span></u></sub>x<span style="mso-spacerun: yes;">
</span>JMA</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-tab-count: 1;"> </span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span>-----<span style="mso-spacerun: yes;"> </span>-----</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-spacerun: yes;"> </span>VUK<span style="mso-spacerun: yes;"> </span>TMS </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Dimana :</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">SHU <sub>Pa </sub>:
Sisa Hasil Usaha per Anggota </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">JUA<span style="mso-tab-count: 1;"> </span>: Jasa Usaha Anggota </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">JMA<span style="mso-tab-count: 1;"> </span>: Jasa Modal Anggota </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">VA<span style="mso-tab-count: 1;"> </span>: Volume usaha Anggota (total transaksi
anggota)</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">UK<span style="mso-tab-count: 1;"> </span>: Volume usaha total koperasi (total
transaksi</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Koperasi)</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Sa<span style="mso-spacerun: yes;"> </span>: Jumlah simpanan anggota </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">TMS<span style="mso-spacerun: yes;"> </span>: Modal sendiri total (simpanan anggota
total)</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">PRINSIP-PRINSIP
PEMBAGIAN SHU KOPERASI</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo3; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">SHU
yang dibagi adalah yang bersumber dari anggota.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo3; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">SHU
anggota adalah jasa dari modal dan transaksi usaha yang dilakukan anggota
sendiri.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo3; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pembagian SHU anggota dilakukan secara
transparan.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo3; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">SHU anggota dibayar secara tunai </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgV7mIHLcINzIjs-WBDNTE7w0ecoFoh4PgAt_e9ftQNtDow2iPfoW1DPWaSgS7g3vPRTm68u37vlNE0nIElE233e5Xkr7eMGIapU41waH3ZwEGH0tOj-NN2nApRpxvu9ZAv5lHpzvEUqEs/s1600/Untitled.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgV7mIHLcINzIjs-WBDNTE7w0ecoFoh4PgAt_e9ftQNtDow2iPfoW1DPWaSgS7g3vPRTm68u37vlNE0nIElE233e5Xkr7eMGIapU41waH3ZwEGH0tOj-NN2nApRpxvu9ZAv5lHpzvEUqEs/s1600/Untitled.jpg" height="640" width="612" /></a></div>
<br />
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Referensi</span></i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> : <a href="http://www.koperasimakmurmandiri.com/"><span style="color: windowtext; text-decoration: none; text-underline: none;">http://www.koperasimakmurmandiri.com</span></a></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<cite><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">ahim.staff.gunadarma.ac.id/Downloads/files/9895/BAB+5.+SHU.pp</span></cite><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-63932386342535949302015-04-02T09:23:00.001-07:002015-04-02T09:44:26.734-07:00Ekonomi Koperasi<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">I. Sejarah Perkembangan
Koperasi di Indonesia<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo1; text-align: justify; text-indent: -14.15pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">1.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Awal Pertumbuhan Koperasi Indonesia<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Pertumbuhan koperasi di
Indonesia dimulai sejak tahun 1896 (Ahmed 1964) yang selanjutnya berkembang
dari waktu ke waktu sampai sekarang. Pertumbuhan koperasi di indonesia
dipelopori oleh R.Aria Wiriatmadja Patih di Purwokerto (1896), mendirikan
koperasi yang bergerak di bidang simpan
pinjam. Kegiatan R.Aria Wiriatmadja Patih dikembangkan lebih lanjut oleh oleh
De Wolf Van Westerrode asisten Residen wilayah Purwokerto di Banyumas, ketika
dia cuti ke Eropa. Selanjutnya Boedi Oetomo yang didirikan pada tahun 1908
menganjurkan berdirinya koperasi untuk keperluan rumah tangga. Pada akhir Rajab
1336H atau 1918 K.H Hasyim Asy’ari Tebuireng jombang mendirikan koperasi yang
dinamakan “Syirkatul Inan” yang beranggotakan 45 orang.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; tab-stops: 35.45pt; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> DR. J.H Boeke yang
dulunya memimpin “komisi Koperasi” 1920 ditunjuk sebagai kepala jawatan
koperasi yang pertama. Atas dasar catatan sejarah, terjadilah perkembangan
koperasi seperti terlihat pada tabel berikut:<o:p></o:p></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEht4eXCP7yp4Vgahyphenhyphen90fFsmAGgv7HEKqRjBucic2tZmZgJJw_1vj11YP_CaBt1NoYkMlArqyTyA_DOVnSnUldNI8DssrynPD9_8C3Hv5NFnbiwFTvZ58PxgkMPoMkTH7tl_El1AvlPvs6Q/s1600/Untitled.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEht4eXCP7yp4Vgahyphenhyphen90fFsmAGgv7HEKqRjBucic2tZmZgJJw_1vj11YP_CaBt1NoYkMlArqyTyA_DOVnSnUldNI8DssrynPD9_8C3Hv5NFnbiwFTvZ58PxgkMPoMkTH7tl_El1AvlPvs6Q/s1600/Untitled.jpg" height="109" width="320" /></a></div>
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<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Selanjutnya pada tahun 1933 diterbitkan Peraturan Perkoperasian
dalam bentuk Gouvernmentsbesluit no. 21 yang termuat di dalam Staatsblad no.
108/1993 yang menggantikan Koninklijke Besluit no. 431 tahun 1915. Perkembangan
koperasi semenjak berdirinya jawatan koperasi tahun 1930 menunjukkan suatu
tingkat perkembangan yang , terus meningkat. Jikalau pada tahun 1930 jumlah
koperasi 39 buah maka pada tahun 1939 jumlahnya menjadi 574 buah dengan jumlah
anggota pada tahun 1930 sebanyak 7.848 orang kemudian berkembang menjadi 52.555
orang sedang kegiatannya dari 574 koperasi tersebut diantaranya 423 koperasi
adalah koperasi yang bergerak dibidang simpan pinjam sedangkan selebihnya
adalah koperasi jenis konsumsi ataupun produksi. Dari 423 koperasi simpan
pinjam tersebut diantaranya 19 buah adalah koperasi lumbung. Data perkembangan
koperasi dari tahum ke tahun dapat dilihat pada tabel berikut:<o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyRAAuYEtM1lKNMziU9oRWOrx-LVKHP34FffBiSf3JLR8qzOGSTrePgiIl_quj2-iP-ceCcTdpMpoQ9QZDVneCA6uIzgJQ_BPxJqdukituqiuRwvZQs0SXJaJcubYr5BPTrRE2SxXDz_8/s1600/H.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyRAAuYEtM1lKNMziU9oRWOrx-LVKHP34FffBiSf3JLR8qzOGSTrePgiIl_quj2-iP-ceCcTdpMpoQ9QZDVneCA6uIzgJQ_BPxJqdukituqiuRwvZQs0SXJaJcubYr5BPTrRE2SxXDz_8/s1600/H.jpg" height="208" width="320" /></a></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">2.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pertumbuhan
Koperasi Setelah Kemerdekaan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Gerakan koperasi di Indonesia
yang lahir pada akhir abad 19 dalam suasana sebagai negara jajahan tidak
memiliki suatu iklim yang menguntungkan bagi pertumbuhannya. Baru kemudian
setelah indonesia memproklamasikan kemedekaannya, dengan tegas perkoperasian
ditulis di dalam UUD 1945 DR.H Moh Hatta sebagai salah satu seorang “Founding
Father” Republik indonesia. Pada akhir 1946, jawatan Koperasi mengadakan
pendaftaran koperasi dan tercatat sebanyak 2500 buah koperasi di seluruh
indonesia. Pada tanggal 12 juli 1947 diselenggarakan kongres koperasi se jawa
yang pertama di Tasikmalaya. Dalam kongres tersebut diputuskan antara lain
terbentuknya Sentral Organisasi Koperasi Rakyat Indonesia yang disingkat SOKRI
menjadikan tanggal 12 juli sebagai hari Koperasi. Selanjutnya, koperasi pertumbuhannya
semakin pesat. Tetapi dengan terjadinya agresi I dan agresi II dari pihak
belanda terhadap Republik Indonesia serta pemberontakan PKI di Madiun pada
tahun 1948 banyak merugikan terhadap gerakan koperasi.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Pada tahun 1949
diterbitkan Peraturan Perkoperasian yang dimuat di dalam Staatsblad no. 179.
Peraturan ini dikeluarkan pada waktu pemerintahan Federal Belanda menguasai
sebagian wilayah indonesia yang isinya hampir sama dengan peraturan koperasi
yang dimuat di dalam Staatsblad no.91 tahun1927, dimana ketentuan-ketentuannya
sudah kurang sesuai dengan keadaan di indonesia sehingga tidak memberikan
dampak yang berarti bagi perkembangan koperasi. Pada tanggal 15-17 Juli 1953
dilangsungkan kongres koperasi indonesia yang ke II di Bandung. Pada tahun 1956
tanggal 1 sampai 5 september diselenggarakan kongres koperasi yang ke III di
Jakarta. Pada tahun 1958 diterbitkan Undang-Undang tentang perkumpulan koperasi
no. 79 tahun 1958 yang dimuat tambahan lembar negara RI no. 1669. Undang-undang
ini disusun dalam suasana undang-undang dasar sementara 1950 dan mulai berlaku
pada tanggal 27 Oktober 1958. Tabel dibawah menunjukkan perkembangan koperasi
pada saat-saat akhir pemerintahan kolonial belanda dan angka berkembangan
koperasi setelah indonesia merdeka sampai dengan tahun 1959, dengan catatan
angka-angka perkembangan koperasi pada zaman pemerintahan pendudukan
balatentara jepang tidak tersedia.<o:p></o:p></span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIWKo8fGXBmcdv8KkGNfccUZdrkzbPG52zx95Axk4SKu7NgMlNeQutJwKks5K3zVFl7U2awUHdLaNZVNPUJftZSU94M6cjuoUms_Xr_It1IS_5Fy0HxWvqAWruEA0da2zS9RcjRcKfgq8/s1600/HI.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjIWKo8fGXBmcdv8KkGNfccUZdrkzbPG52zx95Axk4SKu7NgMlNeQutJwKks5K3zVFl7U2awUHdLaNZVNPUJftZSU94M6cjuoUms_Xr_It1IS_5Fy0HxWvqAWruEA0da2zS9RcjRcKfgq8/s1600/HI.png" height="176" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJBLbWDyZy5WoaKgCJB2cOw9wEvPfd-WNnibHdkgot5xCTbp7gfm6HzgRWtGM_o_UyKc1m_A4-mWZtSdCd6xORLqdE7T4OOySvX3_-A5BRKAxnPB8B3BX5ZB1Mux41-RtmTJ9Hd2QvqgU/s1600/HIT.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJBLbWDyZy5WoaKgCJB2cOw9wEvPfd-WNnibHdkgot5xCTbp7gfm6HzgRWtGM_o_UyKc1m_A4-mWZtSdCd6xORLqdE7T4OOySvX3_-A5BRKAxnPB8B3BX5ZB1Mux41-RtmTJ9Hd2QvqgU/s1600/HIT.png" height="241" width="320" /></a></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">3.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Perkembangan
Koperasi Dalam Sistem Ekonomi Terpimpin<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; tab-stops: 2.0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Dalam tahun 1959
terjadi suatu peristiwa yang sangat penting dalam sejarah bangsa Indonesia.
Setelah Konstituante tidak dapat menyelesaikan tugas menyusun Undang-Undang
Dasar Baru pada waktunya, maka pada tanggal 15 Juli 1959 Presiden Soekarno yang
juga selaku Panglima Tertinggi Angkatan Perang mengucapkan Dekrit Presiden yang
memuat keputusan dan salah satu dari padanya ialah menetapkan Undang-Undang
Dasar 1945 berlaku bagi segenap bangsa Indonesia dan seluruh Tanah Tumpah Darah
Indonesia, terhitung mulai dari tanggal penetapan dekrit dan tidak berlakunya
lagi Undang-Undang Dasar Sementara. Pada tanggal 17 Agustus 1959 Presiden
Soekarno mengucapkan pidato kenegaraan yang berjudul “Penemuan Kembali Revolusi
Kita”, atau lebih dikenal dengan Manifesto politik (Manipol). Dampak Dekrit
Presiden dan Manipol terhadap Undang-Undang No. 79 Tahun 1958 tentang
Perkumpulan Koperasi adalah undang-undang yang belum berumur panjang itu telah
kehilangan dasar dan tidak sesuai lagi dengan jiwa dan semangat UUD 1945 dan
Manipol.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Dalam tahun 1960
Pemerintah mengeluarkan Peraturan Pemerintah No. 140 tentang penyaluran bahan
pokok dan penugasan Koperasi untuk melaksanakannya. Dengan peraturan ini maka
mulai ditumbuhkan koperasi-koperasi konsumsi. Penumbuhan koperasi oleh
Pemerintah secara massal dan seragam tanpa memperhatikan syarat-syarat
pertumbuhannya yang sehat, telah mengakibatkan pertumbuhan koperasi yang kurang
sehat. Pada saat mulai dikemukakan ide pengaturan ekonomi dengan prinsip
Demokrasi dan Ekonomi Terpimpin. Undang-undang No. 79 tahun 1958 tentang Perkembangan
Gerakan Koperasi. Peraturan ini membawa konsep pengembangan koperasi secara
massal dan seragam. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Pada tahun 1961 diselenggarakan
Musyawarah Nasional Koperasi I (Munaskop I) di Surabaya untuk melaksanakan
prinsip Demokrasi Terpimpin dan Ekonomi Terpimpin. Selanjutnya peranan gerakan
koperasi dalam demokrasi terpimpin dan ekonomi terpimpin diatur didalam pasal 6
dan pasal 7. Pasal 6 berbunyi sebagai berikut : “ Gerakan Koperasi mempunyai
peranan :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Dalam tahap nasional demokrasis :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 85.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l5 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Mempersatukan
dan memobilisir seluruh rakyat pekerja dan produsen kecil yang merupakan
tenaga-tenaga produktif untuk meningkatkan produksi, mengadilkan dan meratakan
distribusi;<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 85.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l5 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Ikut
serta menghapus sisa-sisa imperalisme, kolonialisme dan feodalisme;<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 85.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l5 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Membantu
memperkuat sector ekonomi Negara yang memegang posisi memimpin;<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 85.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l5 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Menciptakan
syarat-syarat bagi pembangunan masyarakat sosialis Indonesia.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Dalam Tahap sosialisme Indonesia :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 85.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo3; text-align: justify; text-autospace: none; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Menyelenggarakan
tata ekonomi tanpa adanya penghisapan oleh manusia atas manusia;<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 85.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo3; text-align: justify; text-autospace: none; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Meningkatkan
tingkat hidup rakyat jasmaniah dan rokhaniah;<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 85.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l1 level1 lfo3; text-align: justify; text-autospace: none; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Membina
dan mengembangkan swadaya dan daya kreatif rakyat sebagai perwujudan masyarakat
gotong-royong.”<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Tindakan berselang lama yakni dalam bulan
September 1965 terjadi pemberontakan Gerakan 30 September yang didalangi oleh
Partai Komunis Indonesia (PKI) yang terpengaruh besar terhadap pengembangan
koperasi. Mengingat dalam UU no. 14 tahun 1965 secara tegas memasukan warna politik
di dalam kehidupan perkoperasian, maka akibat pemberontakan G30S/PKI
pelaksanaanya perlu di pertimbangkan kembali. Bahkan segera disusul
langkah-langkah memurnikan kembali kekoprasi kepada azas-azas yang murni dengan
cara “<i>deverpolitisering</i>“. Koperasi-koperasi menyelenggarakan rapat anggota untuk
memperbaharui kepengurusan dan Badan Pemeriksaannya. Reorganisasi dilaksanakan
secara menyeluruh untuk memurnikan koperasi di atas azas-azas koperasi yang
sebenarnya (murni).<o:p></o:p></span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">4. Perkembangan Koperasi
Pada Masa Orde Baru<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Semangat Orde Baru yang dimulai titik
awalnya 11 Maret 1996 segera setelah itu pada tanggal 18 Desember 1967 telah
dilahirkan Undang-Undang Koperasi yang baru yakni dikenal dengan UU No. 12/1967
tentang Pokok-pokok Perkopersian. Dalam rangka kembali kepada kemurnian
pelaksanaan Undang-Undang Dasar 1954, sesuai pula dengan Ketetapan MPRS No. XXIII/MPRS/1966
tentang Pembaharuan Kebijaksanaan Landasan Ekonomi, Keuangan dan Pembangunan, maka peninjauan
serta perombakan Undang-Undang No. 14 tahun 1965 tentang Perkoperasian
merupakan suatu keharusan karena baik isi maupun jiwanya Undang-Undang tersebut
mengandung hal-hal yang bertentangan dengan azas-azas pokok, landasan kerja
serta landasan idiil koperasi, sehingga akan menghambat kehidupan dan
perkembangan serta mengaburkan hakekat koperasi sebagai organisasi ekonomi
rakyat yang demokratis dan berwatak sosial. Oleh karenanya sesuai dengan
Ketetapan MPRS No. XIX/MPRS/1966 dianggap perlu untuk mencabut dan mengganti
Undang-Undang No. 14 tahun 1965 tentang Perkoprasian tersebut dengan
Undang-Undang baru yang benar-benar dapat menempatkan koperasi pada fungsi yang
semestinya yakni sebagai alat dari Undang-Undang Dasar 1945 pasal 33 ayat (1)
Menurut pasal. 3 UU No. 12/1967, koperasi Indonesia adalah organisasi ekonomi
rakyat yang berwatak social, beranggotakan orang-orang atau badan hukum
koperasi yang merupakan tata azas kekeluargaan. Penjelasan pasal tersebut
menyatakan bahwa “ koperasi Indonesia adalah kumpulan orang-orang yang sebagai
manusia secara bersamaan, bekerja untuk memajukan kepentingan-kepentingan
ekonomi mereka dan kepentingan masyarakat. Dengan
berlakunya UU No. 12/1967 koperasi-koperasi yang telah berdiri harus
melaksanakan penyesuaian dengan cara menyelenggarakan Anggaran dan mengesahkan
Anggaran Dasar yang sesuai dengan Undang-Undang tersebut. Dari 65.000 buah
koperasi yang telah berdiri ternyata yang memenuhi syarat sekitar 15.000 buah
koperasi saja. Sedangkan selebihnya koperasi-koperasi tersebut harus dibubarkan
dengan alasan tidak dapat menyesuaikan terhadap UU No. 12/1967.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -14.15pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">5. Perkembangan Koperasi Secara
Nasional Periode 2003-2004<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Perkembangan Modal sendiri memberikan
pencerminan kewajiban anggota dalam membayar simpanan pokok dan simpanan wajib
kepada koperasi. Dengan perkembangan jumlah anggota sebanyak 240.395 orang. Di
bawah ini adalah tabel perubahan struktur modal sendiri,<o:p></o:p></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0u5pEnGCNz4GvMVkMG0LbE8ItYWLfHkAK1yGHXTlADRGBrO9SOZkK8P0jneU7CsdxBG_t21Ndw3rsmLA-Gvw7Ih5E28tYYjPJQphBZyLnO8aMUhGrHwDbfAwDdZG_39HGJgx4jHitxfA/s1600/HITT.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0u5pEnGCNz4GvMVkMG0LbE8ItYWLfHkAK1yGHXTlADRGBrO9SOZkK8P0jneU7CsdxBG_t21Ndw3rsmLA-Gvw7Ih5E28tYYjPJQphBZyLnO8aMUhGrHwDbfAwDdZG_39HGJgx4jHitxfA/s1600/HITT.png" height="320" width="318" /></a></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-layout-grid-align: none; text-align: center; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Dari perkembangan
volume usaha koperasi, perkembangan sisa hasil usaha koperasi nasional
mengalami peningkatan sebesar 15,62% atau Rp.292.307,84 juta. Provinsi dengan
perkembangan sisa hasil usaha terbesar adalah provinsi jawa barat yaitu sebesar
Rp. 747.654,52 juta atau 428,31%. Provinsi Sulawesi Tengah yaitu sebesar
Rp.7.281,00 juta atau 88,93%. Provinsi dengan penurunan jumlah sisa hasil usaha
terbesar adalah provinsi Lampung, yaitu sebesar Rp.649.757,22 juta atau 93,78%,
provinsi Bangka Belitung yaitu sebesar Rp.2.895,52 atau 76,10% dan provinsi NAD
yaitu sebesar Rp.61.866,15 juta atau 74,30%.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Pada tahun 2014,
koperasi di indonesia menurut Kementrian Koperasi dan UKM Republik Indonesia
yang tercatat dalam situs link resminya www.depkop.go.id. Data Kementerian
Koperasi dan UKM menyebutkan sampai 31 Desember 2014 total koperasi di
Indonesia bertambah mencapai 209.488 unit dari koperasi yang aktif dan tidak
aktif dengan beranggota 36.443.953 orang.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 1.0cm; margin-right: 0cm; margin-top: 0cm; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">II. Apakah Prinsip-Prinsip
Koperasi di Indonesia sudah dijalankan dengan benar!<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Iya, Indonesia sudah menjalankan
prinsip-prinsip koperasi dengan benar karena jika tidak dijalankan sesuai
dengan prinsip-prinsip koperasi maka koperasi tidak akan berjalan dengan lancar
sesuai tujuan didirikannya koperasi dan tidak akan bertahan hingga saat ini.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; mso-layout-grid-align: none; tab-stops: 218.15pt; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Prinsip-Prinsip Koperasi Menurut UU No.1992 pasal 5 disebutkan
prinsip koperasi yaitu :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l8 level1 lfo4; tab-stops: 218.15pt; text-align: justify; text-autospace: none; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Keanggotaan
bersifat sukarela dan terbuka<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pengelolaan
dilakukan secara demokratis<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l8 level1 lfo4; tab-stops: 218.15pt; text-align: justify; text-autospace: none; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pembagian
Sisa Hasil Usaha (SHU) dilakukan secara adil sebanding dengan besarnya jasa
usaha masing-masing anggota.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; mso-layout-grid-align: none; tab-stops: 218.15pt; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Prinsip-Prinsip Koperasi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l6 level1 lfo5; tab-stops: 218.15pt; text-align: justify; text-autospace: none; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pemberian
balas jasa yang terbatas terhadap modal<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l6 level1 lfo5; tab-stops: 218.15pt; text-align: justify; text-autospace: none; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Kemandirian<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l6 level1 lfo5; tab-stops: 218.15pt; text-align: justify; text-autospace: none; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Kerjasama
antar koperasi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; mso-list: l6 level1 lfo5; tab-stops: 218.15pt; text-align: justify; text-autospace: none; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Keanggotaan
bersifat sukarela dan terbuka<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-layout-grid-align: none; tab-stops: 218.15pt; text-align: justify; text-autospace: none; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">III. Jelaskan bentuk
organisasi koperasi di Indonesia</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-indent: 21.3pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Struktur
Organisasi Koperasi dapat dilihat dari dua segi, yaitu :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 57.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo6; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -57.3pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span>1.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Segi
intern Organisasi Koperasi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 57.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Intern Organisasi Koperasi ialah organisasi yang ada di dalam
setiap tubuh Koperasi, baik di dalam Koperasi Primer, Koperasi Primer, Koperasi
Pusat, Koperasi Gabungan maupun Koperasi Induk.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 57.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Struktur Intern Organisasi Koperasi terdiri dari 3 unsur, yaitu :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo7; text-align: justify; text-indent: -14.15pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Unsur
alat-alat perlengkapan organisasi :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 121.05pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo8; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Rapat
Anggota<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 121.05pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo8; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pengurus<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 121.05pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo8; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Badan
Pemeriksa.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo7; text-align: justify; text-indent: -14.15pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Unsur
dewan penasehat atau penasehat<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 3.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo7; text-align: justify; text-indent: -14.15pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">c.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Unsur
pelaksana-pelaksanaan, yaitu manajer dan karyawan-karyawan Koperasi lainnya.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 57.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo6; mso-text-indent-alt: -14.75pt; text-align: justify; text-indent: -57.3pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span>2.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Segi
ekstern Organisasi Koperasi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 57.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Ekstern Organisasi Koperasi ialah organisasi yang berhubungan
dengan tingkat-tingkat Koperasi itu, yaitu hubungan antara Koperasi Primer,
Koperasi Pusat, Koperasi Gabungan dan Koperasi Induk. Dalam ekstern organisasi
ini juga termasuk hubungan tingkat-tingkat Koperasi itu dengan Dewan Koperasi
Indonesia, yaitu dewan yang mempersatukan berbagai jenis Koperasi dari berbagai
tingkat itu kedalam satu organisasi tunggal yang meliputi seluruh Indonesia.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 57.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Struktur Ekstern Organisasi Koperasi<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 57.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Di dalam Undang-Undang No. 12 tahun 1967 tentang Pokok-Pokok
Perkoperasian dikenal adanya Koperasi Primer, Koperasi Pusat, Koperasi Gabungan
dan Koperasi Induk seperti yang dikemukakan dalam struktur intern organisasi
Koperasi. Dilihat dari segi pemusatan, maka Koperasi Pusat, Koperasi Gabungan
dan Koperasi Induk juga disebut Koperasi Sekunder (artinya yang kedua) sebagi
Koperasi yang tingkatnya lebih atas dari Koperasi Primer (yang artinya
pertama), dan dilihat dari segi fungsinya maka Koperasi-Koperasi Sekunder
tersebut juga disebut “organisasi pembantu” (<i>auxiliary organizations</i>)
yang fungsinya membantu Koperasi Primer mencapai tujuannya. Oleh sebab itu<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 57.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">maka Koperasi Sekunder pada dasarnya menjalankan usaha-usaha yang
tidak dapat dilakukan oleh Koperasi Primer secara sendiri-sendiri, seperti juga
Koperasi Primer menjalankan usaha-usaha yang tidak dapat dilakukan dengan baik
oleh anggota-anggota perorangan secara sendiri-sendiri.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 57.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 57.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Tentang tingkat-tingkat organisasi tersebut dapat lebih dijelaskan
sebagai berikut :<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 93.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo9; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">a.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Koperasi
Primer<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 93.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Koperasi yang anggotanya terdiri dari orang-perorangan disebut
“Koperasi Primer”. Koperasi serupa itu baru dapat dibentuk, apabila dapat
dihimpun paling sedikit 20 orang sebagai pendirinya. Dalam seluruh struktur
gerakan Koperasi, maka Koperasi Primer, yang dimiliki dan diawasi secara
demokratis oleh para anggotanya, merupakan dasar dari gerakan itu sendiri.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 93.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo9; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">b.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Koperasi
Pusat<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 93.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Kalau pada Koperasi Primer sejumlah paling sedikit 20 orang
menggabungkan diri agar dapat mempersatukan kekuatan-kekuatan yang kecil
menjadi suatu kekuatan yang besar dalam mengejar cita-citanya, maka untuk
tujuan dan maksud yang sama, sekurang-kurangnya 5 (lima) Koperasi Primer dapat
pula menggabungkan diri dalam suatu tingkatan organisasi yang lebih tinggi,
yaitu Koperasi Pusat.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 93.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo9; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">c.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Koperasi
Gabungan<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 93.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Dengan maksud yang sama seperti tersebut diatas, maka 3 (tiga)
Koperasi Pusat yang telah diakui sebagai badan hukum juga dapat membentuk
tingkat organisasi lebih atas lagi, yang disebut KOPERASI GABUNGAN.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 93.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo9; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">d.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Koperasi
Induk<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 93.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Seterusnya 3 (tiga) Koperasi Gabungan yang telah berbadan hukum
dapat pula membentuk Koperasi INDUK. Oleh karena pemusatan-pemusatan sebagai
diutarakan diatas tiada lain maksudnya untuk menyusun kekuatan yang lebih
besar, maka suatu jenis Koperasi yang organisasinya tersusun<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 93.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">dari Koperasi Primer hingga Koperasi Induk itu, pada hakekatnya
merupakan satu kesatuan organisasi ekonomi yang tidak dapat dipisahkan satu
dari yang lain.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 93.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
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<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">IV. Kesimpulan<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Menurut
Undang-Undang Nomor 12 pada tahun 1992 “Koperasi Indonesia adalah ekonomi
rakyat yang berwatak sosial, beranggotakan orang-orang atau hukum koperasi yang
merupakan tata susunan ekonomi sebagai usaha bersama berdasarkan atas asas
kekeluargan”. Dalam peraturan perundang-undangan Indonesia berdasarkan Pasal 3
UU No.25 tahun 1992 tujuan koperasi adalah Memajukan kesejahteraan anggota
koperasi dan masyarakat dan Turut serta dalam membangun tatanan perekonomian
nasional dalam rangka mewujudkan masyarakat yang makmur, adil dan maju dengan
tetap berlandaskan pada pancasila dan UUD 1945. Perkembangan Koperasi pada
tahun 2014 tercatat bertambah mencapai 209.488 unit dari koperasi yang aktif
dan tidak aktif dengan beranggota 36.443.953 orang. Dari masa kemasa koperasi
mengalami pasang surut akan tetapi karena koperasi menjalankan berdasarkan
prinsip-prinsip koperasi sehingga koperasi masih berdiri hingga sekarang.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
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<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Referensi</span></i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> : H.
Masngudi,1990 “Penelitian Tentang Sejarah Perkembangan Koperasi Di
Indonesia”penelitian pengembangan koperasi departemen koperasi, Jakarta.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">www.smecda.com <o:p></o:p></span></div>
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<a href="http://www.pustaka.ut.ac.id/reader/index.php?modul=ESPA4323"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">www.pustaka.ut.ac.id</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><o:p></o:p></span></div>
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Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-19985757737987876082015-01-03T08:05:00.003-08:002015-01-03T08:26:31.194-08:00Penanggulangan resiko pada suatu perusahaan asuransi (Bank)<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
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<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Penanggulangan
resiko pada suatu perusahaan asuransi (Bank)<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Sekarang ini tidak hanya perusahaan asuransi saja yang memiliki
program asuransi tetapi beberapa perbankan juga sudah mulai meluncurkan
program-program asuransi yang bekerja sama dengan provider asuransi seperti
asuransi jiwa, asuransi pendidikan, asuransi rumah. Contoh Bank yang memiliki
program asuransi yaitu Permata Bank.<o:p></o:p></span></div>
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<!--[if !supportLists]--><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">A.<span style="font-family: 'Times New Roman'; font-size: 7pt; font-weight: normal; line-height: normal;"> </span></span></b><!--[endif]--><span dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> Permata Bank<o:p></o:p></span></b></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMmBCU2pkicVHZ2zvWHX-MeNsL5CVe9wUKtCm0hIWzmtj1ncO9A47m2g-CWh9gcpE9gk1I1oZq1Goj4dVMNKNWZuXjx4GFa-VHcjGPttr_MbhOfL6JoulmQfBKEqnjMW1EWicow1m7joo/s1600/permata.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiMmBCU2pkicVHZ2zvWHX-MeNsL5CVe9wUKtCm0hIWzmtj1ncO9A47m2g-CWh9gcpE9gk1I1oZq1Goj4dVMNKNWZuXjx4GFa-VHcjGPttr_MbhOfL6JoulmQfBKEqnjMW1EWicow1m7joo/s1600/permata.jpg" /></a></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
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<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Permata Bank dibentuk sebagai hasil merger dari 5 bank di bawah
pengawasan Badan Penyehatan Perbankan Nasional (BPPN), yakni PT Bank Bali Tbk,
PT Bank Universal Tbk, PT Bank Prima Express, PT Bank Artamedia, dan PT Bank
Patriot pada tahun 2002. Di tahun 2004, Standard Chartered Bank dan PT Astra
International Tbk mengambil alih PermataBank dan memulai proses transformasi
secara besar-besaran didalam organisasi. Selanjutnya, sebagai wujud komitmennya
terhadap PermataBank, kepemilikan gabungan pemegang saham utama ini meningkat
menjadi 89,01% pada tahun 2006.<o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Kombinasi unik dari kedua pemegang saham strategis merupakan salah
satu kekuatan utama PermataBank. PT Astra International Tbk merupakan
perusahaan Indonesia yang besar dan memiliki pengalaman kuat di pasar domestik.
Standard Chartered Bank dengan keahlian dan pengalaman global terkemuka yang
dimilikinya menjadikan PermataBank berada dalam posisi yang unik.<o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Dan saat ini PermataBank telah berkembang menjadi sebuah bank
swasta utama yang menawarkan produk dan jasa inovatif serta komprehensif
terutama disisi delivery channel-nya termasuk Internet Banking dan Mobile
Banking. PermataBank memiliki aspirasi untuk menjadi penyedia jasa keuangan
terkemuka di Indonesia, dengan fokus di segmen Konsumer dan Komersial. Melayani
lebih dari 2 juta nasabah di 60 kota di Indonesia, PermataBank memiliki 326
cabang (16 Cabang Syariah & 310 Cabang Konvensional termasuk 278 layanan
syariah), 38 Cabang Bergerak (Mobile Branch), 3 Payment Point, 936 ATM dengan
akses di lebih dari 69.000 ATM (VisaPlus, Visa Electron, MasterCard, Alto, ATM
Bersama dan ATM Prima) dan jutaan ATM di seluruh dunia yang terhubung dengan
jaringan Visa, Mastercard, Cirrus.<o:p></o:p></span></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 21.3pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
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<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pengakuan terkini atas pencapaian PermataBank adalah Penghargaan
dari 2014 Asiamoney Foreign Exchange Poll yaitu Indonesia's Best Domestic Providers
of FX Services; peringkat 3 Layanan Prima Terbaik dan Best overall
Performance selama 2 tahun berturut-turut kategori Bank Umum serta
peringkat 1 Layanan Prima Terbaik dan Best Overall Performance empat kali
berturut-turut kategori Bank Syariah dalam penghargaan Banking Service
Excellence 2013-2014; Unit Usaha Syariah Terbaik dengan asset >5 Triliun
dari Investor Award 2014; 4 penghargaan Stevie Award dalam The 10th Annual
International Business Awards (IBA) 2014 untuk "Pembukaan Head Office PermataBank
di WTC II" sebagai "The Communications or PR Campaign of the Year -
Events & Observances" (Silver Award), "Student Company - CSR
Initiative" sebagai "Communication or PR Campaign of the Year - Low
Budget (Under $10,000)" (Silver Award), Permata PhotoJournalist Grant
sebagai "The Communication or PR Campaign of the Year - Reputation/Brand
Management (Bronze Award)" dan "Jutaan Keluarga Satu Bank - Thematic
Campaign" sebagai "Marketing Campaign of The Year - Banking" (Bronze
Award).<o:p></o:p></span></div>
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<a name='more'></a><br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Visi dan Brand Promise Permata Bank<o:p></o:p></span></b></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Visi
: Pelopor dalam memberikan solusi finansial yang inovatif<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Brand
Promise : Menjadikan hidup lebih bernilai, Mewujudkan brand promise di
kehidupan sehari-hari dengan menjalankan nilai-nilai perusahaan dalam bekerja,
bersikap, serta berperilaku terhadap customer, rekan kerja, komunitas,
investor, dan regulator<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Produk Asuransi Permata Bank<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">PermataBank menyediakan produk Bancassurance yang memberikan
perlindungan menyeluruh dengan berbagai produk asuransi dari perusahaan
asuransi terkemuka mulai dari produk asuransi tradisional (<i>term life,
endowment, hospitalcash plan</i>, dan lain-lain) sampai dengan produk asuransi
yang sekaligus mengemas manfaat investasi atau lebih dikenal dengan produk
asuransi unit link.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Produk-produk
Asuransi ini meliputi :<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><b>PRESTIGElink assurance account</b><o:p></o:p></div>
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Produk asuransi jiwa terkait investasi dengan
pembayaran premi secara berkala yang memberikan fleksibilitas dimana
memungkinkan Anda untuk sewaktu-waktu mengubah jumlah pertanggungan, premi
serta cara pembayaran yang sesuai dengan kebutuhan Anda. Bahkan Anda juga bisa
menambahkan produk asuransi tambahan untuk memperluas perlindungan asuransi
yang dibutuhkan. <o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><b>PRESTIGElink syariah assurance account</b><o:p></o:p></div>
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Produk asuransi jiwa terkait investasi
berdasarkan prinsip syariah dengan pembayaran kontribusi secara berkala yang
memberikan fleksibilitas tak terbatas yang memungkinkan Anda untuk
sewaktu-waktu mengubah jumlah pertanggungan, kontribusi serta cara pembayaran
yang sesuai dengan kebutuhan Anda. Bahkan Anda juga dapat menambah asuransi
tambahan untuk memperluas perlindungan asuransi yang dibutuhkan. <o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><b>PRESTIGElink investor account</b><o:p></o:p></div>
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Produk asuransi jiwa yang dikaitkan dengan
investasi dengan pembayaran premi satu kali yang menawarkan berbagai pilihan
dana investasi. Di samping mendapatkan potensi hasil investasi, produk ini juga
akan memberikan perlindungan yang komprehensif terhadap risiko kematian atau
risiko menderita cacat total dan tetap.<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><b>PRESTIGElink syariah investor account</b> <o:p></o:p></div>
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Produk asuransi jiwa yang dikaitkan dengan investasi
syariah dengan pembayaran kontribusi satu kali yang menawarkan berbagai pilihan
dana investasi syariah. Di samping mendapatkan potensi hasil investasi, produk
ini juga akan memberikan perlindungan yang komprehensif terhadap risiko
kematian atau risiko menderita cacat total dan tetap.<span style="line-height: 150%;"> </span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><b>Manulife Investment Protector</b><o:p></o:p></div>
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Produk asuransi jiwa yang dikaitkan dengan
investasi dengan pembayaran premi tunggal dengan beragam pilihan dana investasi
yang memiliki potensi pertumbuhan yang atraktif dan dilakukan dengan cara yang
mudah, sekaligus merupakan solusi bagi pengelolaan risiko jiwa.<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><b>Golden Protector</b> <o:p></o:p></div>
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Merupakan program perencanaan keuangan dalam
menghadapi masa pensiun dan hari tua yang sekaligus memberikan perlindungan
jiwa terhadap kecelakaan.<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span><b>Smartlink Maxima Plus</b><o:p></o:p></div>
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Merupakan program perlindungan asuransi
jiwa dengan konsep perencanaan keuangan lengkap yang aman dan fleksibel,
cukup sekali membayar premi, Anda mendapatkan jaminan perlindungan asuransi
jiwa dan dana investasi Anda dalam jangka panjang akan berkembang sehingga
mampu mencapai hasil investasi terbaik dengan risiko yang disesuaikan dengan
pilihan dana investasi yang dipilih.<o:p></o:p></div>
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<br /></div>
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<!--[if !supportLists]--><b>B.<span style="font-size: 7pt; font-weight: normal; line-height: normal;">
</span></b><!--[endif]--><span dir="LTR"></span><b>Penanggulangan
Risiko Asuransi<o:p></o:p></b></div>
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Upaya penanggulangan risiko agar risiko yang
dihadapi bila terjadi tidak akan menyulitkan bagi yang terkena, maka
risiko-risiko tersebut harus selalu diupayakan untuk diatasi/ditanggulangi,
sehingga ia tidak menderita kerugian atau kerugian yang diderita dapat
diminimumkan. Ada dua pendekatan/cara yang digunakan oleh seorang manajer
risiko dalam menanggulangi risiko yang dihadapi oleh perusahaannya, yaitu :<o:p></o:p></div>
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<!--[if !supportLists]--><b>a)<span style="font-size: 7pt; font-weight: normal; line-height: normal;">
</span></b><!--[endif]--><span dir="LTR"></span><b>Penanganan
risiko (<i>Risk control</i>)<o:p></o:p></b></div>
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Dalam pendekatan dengan penanganan risiko (<i>Risk
control</i>) ada beberapa alat/metode yang dapat digunakan, antara lain:<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span>Menghindarinya<o:p></o:p></div>
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Menghindari suatu risiko (murni) adalah
menghindarkan harta, orang atau kegiatan dari exposure, dengan cara menolak
memiliki, menerima atau melaksanakan kegiatan yang mengandung risiko dan
menyerahkan kembali risiko yang terlanjur diterima atau segera menghentikan
yang diketahui mengandung risiko. Penghindaran dikatakan berhasil jika ternyata
tidak terjadi kerugian yang diakibatkan oleh risiko yang ingin dihindari dan
sesungguhnya bisa terjadi bahwa metode
ini tidak diimplementasikan sebagaimana semestinya, jika ternyata larangan-larangan/prosedur
yang telah di instruksikan dilanggar, walaupun kebetulan tidak terjadi
kerugian.<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span>Mengendalikan kerugian<o:p></o:p></div>
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Dengan cara : <o:p></o:p></div>
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<!--[if !supportLists]-->a.<span style="font-size: 7pt; line-height: normal;">
</span><!--[endif]--><span dir="LTR"></span>melakukan tindakan pencegahan dan pengurangan
kerugian,<o:p></o:p></div>
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dengan program pencegahan kerugian adalah
berusaha untuk mengurangi atau bisa menghilangkan kans/kesempatan terjadinya
kerugian, sedangkan program pengurangan kerugian bertujuan untuk mengurangi
keparahan potensiil dari kerugian. Program pengurangan kerugian dapat dibedakan
kedalam : program minimisasi, program yang dijalankan sebelum kerugian terjadi
atau selama kerugian sedang terjadi, dengan tujuan membatasi besarnya kerugian
dan program penyelamatan, program penyelamatan barang-barang yang selamat dari
peril.<o:p></o:p></div>
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<!--[if !supportLists]-->b.<span style="font-size: 7pt; line-height: normal;">
</span><!--[endif]--><span dir="LTR"></span>Program pengendalian kerugian berdasar
sebab-sebab terjadinya,<o:p></o:p></div>
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Ada dua macam pendekatan dalam program ini,
yaitu: a) pendekatan engineering, program pengendalian yang menekankan pada
pengendalian sebab-sebab yang bersifat fisik dan mekanis. b) pendekatan
hubungan kemanusiaan, menekankan pada pencegahan terjadinya kecelakaan karena
faktor manusia.<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span>Memisahkan<o:p></o:p></div>
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Memisahkan penempatan dari harta yang
menghadapi risiko yang sama. Jadi dengan cara menambah banyaknya “<i>independent
exposure unit</i>” sehingga profitabilitas kerugiannya dapat diperkecil. Maksud
dari pemisahan adalah untuk mengurangi jumlah kerugian akibat suatu peril<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span>Melakukan kombinasi atau pooling<o:p></o:p></div>
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Kombinasi atau pooling adalah menambah
banyaknya exposure unit dalam batas kendali perusahaan yang bersangkutan,
dengan tujuan agar kerugian yang akan dialami lebih dapat diramalkan, sehingga
risikonya lebih kecil.<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span>Memindahkan<o:p></o:p></div>
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Pemindahan risiko dapat dilakukan dengan
cara-cara : a) harta milik/ kegiatan yang menghadapi risiko dipindahkan kepada
pihak lain, yang dinyatakan dengan tegas dengan berbagai transaksi atau kontak.
b) risikonya sendiri yang dipindahkan. <o:p></o:p></div>
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<!--[if !supportLists]--><b>b)<span style="font-size: 7pt; font-weight: normal; line-height: normal;">
</span></b><!--[endif]--><span dir="LTR"></span><b>Pembiayaan
risiko (<i>Risk financing</i>)<o:p></o:p></b></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span>Memindahkan risiko dengan pembiayaan (<i>risk
financing transfer</i>)<o:p></o:p></div>
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Pemindahan risiko melalui risk financing
berarti penanggung harus mencari dana eksternal untuk membayar kerugian yang
diderita oleh tertanggung, yang benar-benar terjadi, yang dikarenakan oleh
peril yang dipindahkan. Pemindahan ini dapat dilakukan dengan cara-cara:
transfer risiko kepada perusahaan asuransi dan transfer risiko kepada
perusahaan yang bukan perusahaan asuransi. Pemindahan risiko kepada pihak
noninsurance biasanya dilakukan melalui kontrak-kontrak bisnis biasa/melalui
kontrak khusus untuk pemindahan risiko. Isi kontrak adalah berkenaan dengan
pemindahan tanggung jawab atas kerugian terhadap: harta kekayaan, net income,
personil, tanggung jawab kepada pihak ketiga.<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;">
</span></span><!--[endif]--><span dir="LTR"></span>Menangani sendiri risiko yang dihadapi, dengan
merentensi<o:p></o:p></div>
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Merentensi artinya perusahaan menanggung
sendiri risiko finansial dari suatu peril dan ini adalah bentuk penanggulangan
risiko yang paling banyak/umum. Dimana sumber dananya diusahakan sendiri oleh
perusahaan yang bersangkutan. Penanggulangan semacam ini dapat bersifat “pasif”
atau “tidak direncanakan” dapat pula bersifat “aktif” atau “direncanakan”. Retensi
bersifat “aktif” bila manager risiko telah mempertimbangkan metode-metode lain
untuk menangani risiko dan kemudian memutuskan secara sadar untuk tidak
memindahkan kerugian potensial tersebut, sehingga bila terjadi peril
kerugiannya akan diperhitungkan sebagai “biaya yang tak terduga”<o:p></o:p></div>
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<br /></div>
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Penyediaan dana untuk retensi<o:p></o:p></div>
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Ada beberapa cara yang dapat ditempuh untuk
menyediakan dana untuk melaksanakan program retensi, antara lain:<o:p></o:p></div>
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<!--[if !supportLists]-->a.<span style="font-size: 7pt; line-height: normal;"> </span>Tidak perlu penyediaan dan sebelumnya, dalam hal ini perusahaan tidak menyediakan
dana khusus untuk meretensi risiko. bila terjadi peril, kerugiannya
diperhitungkan sebagai biaya. Jadi langsung mengurangi keuntungan<o:p></o:p></div>
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<!--[if !supportLists]-->b.<span style="font-size: 7pt; line-height: normal;">
</span><!--[endif]--><span dir="LTR"></span>Dengan membentuk dana cadangan<o:p></o:p></div>
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Membentuk dana cadangan dari bagian laba yang
disisihkan, sehingga bila terjadi peril akan mengurangi besarnya dana cadangan.
Cara ini mengandung kelemahan antara lain : pembentukan dana cadangan adalah
pemindah bukuan secara akunting. Jadi tidak berupa uang tunai, sehingga bila
terjadi peril yang harus dibiayai secara tunai perusahaan akan mengalami
kesulitan. Penaksiran besarnya <i>expected loss</i> jarang yang tepat. Apakah pembentukan
dana semacam ini dapat diijinkan oleh pemerintahan ditinjau dari segi
perpajakan.<o:p></o:p></div>
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<!--[if !supportLists]-->c.<span style="font-size: 7pt; line-height: normal;">
</span><!--[endif]--><span dir="LTR"></span>Dengan asuransi sendiri (<i>self insurance</i>)<o:p></o:p></div>
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Perusahaan membentuk organisasi sendiri yang
bertugas mengelola dan cadangan untuk membiayai pengelolaan risiko. Badan ini
merupakan badan otonom, yang berhak menginvestasikan dana cadangan yang sedang
nganggur, tetapi badan ini bukan perusahaan asuransi.<o:p></o:p></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 114.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l4 level1 lfo7; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<!--[if !supportLists]-->d.<span style="font-size: 7pt; line-height: normal;">
</span><!--[endif]--><span dir="LTR"></span>Dengan <i>captive insurer</i><o:p></o:p></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 114.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
Dimana perusahaan membentuk sebuah perusahaan
asuransi, dimana nasabahnya seluruhnya/sebagian besar perusahaan pendiri itu
sendiri. Keuntungan cara ini adalah bahwa <i>captive insurer</i> dapat
melakukan re-asuransi.<o:p></o:p></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 114.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
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<!--[if !supportLists]--><b>C.<span style="font-size: 7pt; font-weight: normal; line-height: normal;">
</span></b><!--[endif]--><span dir="LTR"></span><b>Contoh
Kasus <o:p></o:p></b></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-indent: 36.0pt; text-justify: inter-ideograph;">
asuransi jiwa, Persoalan peristiwa tak tentu
erat sekali hubungannya dengan persoalan ganti kerugian, dalam asuransi jiwa
meninggalnya seseorang itu merupakan hal yang sudah pasti, setiap makhluk
bernyawa pasti mengalami kematian, tetapi meninggalnya seseorang tidak dapat
dipastikan. Inilah yang disebut peristiwa tidak pasti (<i>evenemen</i>) dalam
asuransi jiwa. Dalam asuransi ada istilah klaim asuransi yaitu tuntutan ganti
kerugian oleh tertanggung kepada penanggung dengan kata lain bahwa klaim adalah
tuntutan terhadap hak yang timbulnya disebabkan karena adanya perjanjian
asuransi yang telah berakhir. Berakhirnya perjanjian asuransi jiwa karena
terjadi evenemen, karena jangka waktu berakhir dan karena asuransi gugur. Namun
adakalanya sebagai manusia, sering kali melakukan kelalaian baik yang disengaja
maupun yang tidak disengaja. Menyikapi hal tersebut maka dari pihak penanggung
akan mengambil tindakan dengan mengenakan denda kepada tertanggung apabila ia
terlambat sampai dengan dua bulan, jika lebih dari jangka waktu itu belum
dibayar. juga maka diberikan tenggang
waktu, jika lebih dari masa tenggang waktu itu belum dibayar juga maka premi
dianggap tidak berlaku dan dengan demikian perjanjian berakhir.<b><o:p></o:p></b></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 57.3pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="text-align: left;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Referensi<o:p></o:p></span></b></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><a href="https://www.permatabank.com/"><span style="color: windowtext; text-decoration: none; text-underline: none;">https://www.permatabank.com</span></a><o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin: 0cm 0cm 0.0001pt 21.3pt; text-align: left; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">adriani, vivien. 2008 “pelaksanaan penyelesaian klaim asuransi jiwa
di asuransi jiwa bersama bumiputera
1912 cabang semarang” tesis, universitas
diponegoro semarang.<o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin: 0cm 0cm 0.0001pt 21.3pt; text-align: left; text-indent: -14.2pt;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; line-height: normal;"> </span></span><!--[endif]--><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Djojosoedarso,soeisno. 1999 “prinsip-prinsip manajemen risiko dan
asuransi” salemba empat.<o:p></o:p></span></div>
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Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-76704708025810513932014-11-02T21:42:00.002-08:002014-11-02T21:42:36.533-08:00Asuransi dan Manajemen Risiko<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">1. Ruang Lingkup Manajemen Risiko</span></b></div>
<div class="MsoNormal" style="margin-left: 14.2pt; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Manajemen risiko</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> adalah Proses pengelolaan risiko yang mencakup identifikasi,
evaluasi dan pengendalian risiko yang dapat mengancam kelangsungan usaha atau
aktivitas perusahaan. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Strategi yang dapat
diambil antara lain adalah menghindari risiko, memindahkan risiko, mengurangi
efek negatif risiko dan menampung sebagian atau seluruh konsekuensi atas risiko
tertentu.</span></div>
<div class="MsoNormal" style="margin-left: 14.2pt; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div style="line-height: 150%; text-align: justify; text-indent: 14.2pt; text-justify: inter-ideograph;">
Risiko dalam Manajemen Risiko diklasifikasikan kedalam :</div>
<br />
<ol>
<li style="text-align: justify;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span></span>Risiko operasional adalah risiko
yang timbul karena tidak berfungsinya sistem internal yang berlaku, kesalahan
manusia, atau kegagalan sistem. Sumber terjadinya risiko operasional paling
luas dibanding risiko lainnya yakni selain bersumber dari aktivitas di atas
juga bersumber dari kegiatan operasional dan jasa, akuntansi, sistem tekhnologi
informasi, sistem informasi manajemen atau sistem pengelolaan sumber daya
manusia.</li>
<li style="text-align: justify;">Risiko eksternal factor –faktor
yang mempengaruhi akibat akibat yang ditimbulkan dari suatu peristiwa. Lingkungan
eksternal menimbulkan kondisi yang kondusif terhadp bencana yang menimbulkan
kerugian. Dan kerugian adalah penyimpangan yang tidak diharapkan. Walaupun ada
beberapa overlapping (tumpang tindih) di antara kategori-kategori ini, namun
sumber penyebab kerugian (dan risiko) dapat diklasifikasikan sebagai risiko
sosial, risiko fisik, dan risiko ekonomi.</li>
<li style="text-align: justify;">Risiko Finansial adalah resiko
yang diderita oleh investor sebagai akibat dari ketidakmampuan emiten saham dan
obligasi memenuhi kewajiban pembayaran deviden atau bunga atau bunga serta
pokok pinjaman.</li>
<li style="text-align: justify;">Risiko strategic adalah risiko
terjadinya serangkaian kondisi yang tidak terduga yang dapat mengurangi
kemampuan manajer untuk mengimplementasikan strateginya secara signifikan </li>
</ol>
<br />
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></b></div>
<a name='more'></a><b>2. Penanggulangan Risiko</b><br />
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Ada dua pendekatan dalam penanggulangan risiko:</span></b></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l13 level1 lfo5; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Pengendalian Risiko (Risk Control)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; text-align: justify; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Pengendalian risiko dijalankan dengan metode
berikut:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 72.0pt; mso-add-space: auto; mso-list: l7 level1 lfo6; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Menghindari risiko</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 72.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Menghindari
suatu risiko murni adalah menghindari harta, orang atau kegiatan dari exposure,
dengan cara:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 108.0pt; mso-add-space: auto; mso-list: l2 level1 lfo7; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; 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 dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Menolak memiliki, menerima atau melaksanakan
kegiatan yang mengandung risiko, walaupun untuk sementara.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 108.0pt; mso-add-space: auto; mso-list: l2 level1 lfo7; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; 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 dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Menyerahkan kembali risiko yang terlanjur
diterima atau segera menghentikan yang mengandung risiko.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 72.0pt; mso-add-space: auto; mso-list: l7 level1 lfo6; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Mengendalikan Kerugian (Loss Control)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 108.0pt; mso-add-space: auto; mso-list: l14 level1 lfo9; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -108.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Melakukan
tindakan pencegahan dan pengurangan kerugian</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 126.0pt; mso-add-space: auto; mso-list: l5 level1 lfo8; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; 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 dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Program
pencegahan kerugian adalah berusaha untuk mengurangi atau kalau bisa
menghilangkan kesempatan terjadinya kerugian</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 126.0pt; mso-add-space: auto; mso-list: l5 level1 lfo8; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; 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 dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Program
pengurangan kerugian adalah untuk mengurangi keparahan potensil dari suatu kerugian</span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 108.0pt; mso-add-space: auto; mso-list: l14 level1 lfo9; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -108.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Program pengendalian kerugian </span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mj-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">berdasar sebab-sebab terjadinya:</span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 108.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Dua pendekatan dalam program ini:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 144.0pt; mso-add-space: auto; mso-list: l3 level1 lfo10; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Pendekatan
engineering</span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 144.0pt; mso-add-space: auto; mso-list: l3 level1 lfo10; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Pendekatan
hubungan kemanusian</span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 70.9pt; mso-add-space: auto; mso-list: l3 level1 lfo10; text-align: justify; text-indent: -14.2pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Pemisahan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 70.9pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Pemisahan adalah memisahkan penepatan dari
harta yang menghadapi risiko yang sama, dengan maksud untuk mengurangi jumlah
kerugian akibat suatu peril.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 70.9pt; mso-add-space: auto; mso-list: l3 level1 lfo10; text-align: justify; text-indent: -14.2pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Kombinasi atau pooling</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 70.9pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Kombinasi atau pooling adalah menambah
banyaknya exposure unit dalam batas kendali perusahaan , dengan tujuan agar
kerugian yang akan dialami lebih dapat diramalkan, sehingga risikonya lebih
kecil.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 70.9pt; mso-add-space: auto; mso-list: l3 level1 lfo10; text-align: justify; text-indent: -14.2pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">e.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Pemindahan Risiko</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 70.9pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Pemindahan risiko dapat dilakukan dengan cara:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 106.9pt; mso-add-space: auto; mso-list: l4 level1 lfo11; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; 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 dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Hak
milik atau kegiatan yang menghadapi risiko dopindahkan kepada pihak lain,yang
dinyatakan dengan transaksi atau kontrak </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 106.9pt; mso-add-space: auto; mso-list: l4 level1 lfo11; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; 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 dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Risikonya
sendiri yang dipindahkan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 106.9pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 106.9pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 35.45pt; mso-add-space: auto; mso-list: l11 level1 lfo12; mso-text-indent-alt: -21.25pt; text-align: justify; text-indent: -35.45pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Pembiayaan Risiko (Risk Financing)</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-left: 35.45pt; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pengendalian
risiko dapat dilakukan dengan menyediakan dana yang berhubungan dengan
cara-cara pengadaan dana untuk menanggulangi kerugian. Cara-cara<span style="mso-spacerun: yes;"> </span>pengadaan dana untuk mengendalikan kerugian
diantaranya:</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 78.0pt; mso-add-space: auto; mso-list: l0 level1 lfo14; text-align: justify; text-indent: -14.2pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">A.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Memindahkan Risiko dengan Pembiayaan (Risk
Financial transper)</span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 78.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Pemindahan risiko melalui pembiayaan adalah
penanggung harus mencari<span style="mso-spacerun: yes;"> </span>dana eksternal
untuk membayar kerugian yang diderita oleh tertanggung, yang benar-benar
terjadi dikarenakan oleh peril yang dipindahkan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 78.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 78.0pt; mso-add-space: auto; mso-list: l0 level1 lfo14; text-align: justify; text-indent: -14.2pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">B.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mj-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Meretensi (Risk Retention)</span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 78.0pt; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Meretensi artinya perusahaan menanggung sendiri
risiko finansial<span style="mso-spacerun: yes;"> </span>dari suatu peril, ini
adalah bentuk penanggulangan risiko yang paling banyak.</span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 77.45pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: .55pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Beberapa alasan
melakukan retensi:</span></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-left: 114.0pt; mso-add-space: auto; mso-list: l1 level1 lfo15; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; 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 dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mn-ea; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Merupakan
keharusan, karena tidak ada alternatif lain</span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 114.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l9 level1 lfo13; tab-stops: list 114.0pt; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<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 dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Berdasarkan
pertimbangan biaya, dimana memindahkan risiko lebih mahal dibandingkan dengan
kemungkinan besarnya kerugian</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 114.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l9 level1 lfo13; tab-stops: list 114.0pt; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<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 dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Bila
perkiraan expected loss dari manajer risiko lebih rendah dari perkiraan<span style="mso-spacerun: yes;"> </span>perusahaan asuransi</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 114.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l9 level1 lfo13; tab-stops: list 114.0pt; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<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 dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mj-ea; mso-hansi-theme-font: major-bidi;">Prinsip <i>Opportunity cost</i>, dimana manajer
risiko berpendapat bahwa penggunaan dana untuk investasi lebih mengguntungkan
daripada bayar premi.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 114.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l9 level1 lfo13; tab-stops: list 114.0pt; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<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 dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: +mj-ea; mso-hansi-theme-font: major-bidi;">Kualitas servis dari penanggung dianggap kurang
memuaskan, dibandingkan bila ditangani sendiri.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 114.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">3. Manfaat Manajemen Risiko</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 14.2pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Beberapa pendapat dari berbagai
tokoh mengenai Manfaat yang diperoleh dengan menerapkan manajemen resiko. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 14.2pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Menurut (<b>Mok et al., 1996</b>) manfaat manajemen risiko antara
lain:</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l10 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -54.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Berguna untuk mengambil keputusan dalam
menangani masalah-masalah yang rumit.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l10 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -54.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Memudahkan estimasi </span><a href="http://jurnal-sdm.blogspot.com/2009/03/pengertian-dan-penggolongan-biaya.html" title="Pengertian dan Penggolongan Biaya"><span style="color: windowtext; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi; text-decoration: none; text-underline: none;">biaya</span></a><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l10 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -54.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Memberikan pendapat dan intuisi dalam pembuatan
keputusan yang dihasilkan dalam cara yang benar.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l10 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -54.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Memungkinkan bagi para pembuat keputusan untuk
menghadapi resiko dan ketidakpastian dalam keadaan yang nyata.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l10 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -54.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Memungkinkan bagi para pembuat keputusan untuk
memutuskan berapa banyak informasi yang dibutuhkan dalam menyelesaikan masalah.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l10 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -54.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Meningkatkan pendekatan sistematis dan logika
untuk membuat keputusan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l10 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -54.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>7.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Menyediakan pedoman untuk membantu perumusan
masalah.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l10 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -54.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>8.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Memungkinkan analisa yang cermat dari
pilihan-pilihan alternatif.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Menurut <b>Darmawi, (2005, p. 11)</b>
Manfaat manajemen risiko yang diberikan terhadap perusahaan dapat dibagi dalam
5 (lima) kategori utama yaitu :</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l6 level1 lfo2; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -54.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Manajemen risiko mungkin dapat mencegah
perusahaan dari kegagalan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l6 level1 lfo2; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -54.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Manajemen risiko menunjang secara langsung
peningkatan laba.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l6 level1 lfo2; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -54.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Manajemen risiko dapat memberikan laba secara
tidak langsung.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l6 level1 lfo2; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -54.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Adanya ketenangan pikiran bagi manajer yang
disebabkan oleh adanya perlindungan terhadap risiko murni, merupakan harta non
material bagi perusahaan itu.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l6 level1 lfo2; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -54.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Manajemen risiko melindungi perusahaan dari
risiko murni, dan karena kreditur pelanggan dan pemasok lebih menyukai
perusahaan yang dilindungi maka secara tidak langsung menolong meningkatkan
public image.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 18.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Manfaat manajemen risiko dalam
perusahaan sangat jelas, maka secara implisit sudah terkandung didalamnya satu
atau lebih sasaran yang akan dicapai manajemen risiko antara lain sebagai
berikut ini <b>(Darmawi, 2005, p. 13)</b>.</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l12 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Survival</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l12 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Kedamaian pikiran</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l12 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Memperkecil biaya</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l12 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Menstabilkan pendapatan perusahaan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l12 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">e.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Memperkecil atau meniadakan gangguan operasi
perusahaan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l12 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">f.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Melanjutkan pertumbuhan perusahaan</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: 54.0pt; mso-add-space: auto; mso-list: l12 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">g.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Merumuskan
tanggung jawab social perusahaan terhadap karyawan dan masyarakat.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">4. Manfaat Asuransi dalam Kegiatan Ekonomi dan Sosial</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Fungsi
Asuransi itu sendiri adalah memberikan perlindungan terhadap kemungkinan
terjadi kerugian pada masa mendatang. Menginvestasikan sebagian dari dana yang
terkumpul dari pemegang polis (berupa premi asuransi) ke dalam sektor ekonomi.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">PENGARUH ASURANSI TERHADAP KEHIDUPAN SOSIAL-EKONOMI</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">1. Memberi Rasa Aman</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">2. Melindungi Keluarga dari Perpecahan</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">3. Menghilangkan Ketergantungan</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">4. Menjamin Kehidupan Wanita Karier</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">5. Kontribusi Terhadap Pendidikan</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">6. Kontribusi terhadap Lembaga-lembaga Sosial</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">7. Memberikan Manfaat untuk Pemupukan Kekayaan</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">8. Stimulasi Menabung</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">9. Menyediakan Dana yang Dibutuhkan untuk Investasi.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Referensi :</span></b></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; mso-list: l15 level1 lfo16; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; font-size: 11.0pt; 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 dir="LTR"></span><span style="font-size: 11.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: +mn-ea;">Ervita Safitri</span><span lang="EN-US" style="font-size: 11.0pt; line-height: 150%; mso-ansi-language: EN-US; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: +mn-ea;">, S.E., M.Si </span><span style="font-size: 11.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">“Penanggulangan
Risiko”</span><span style="font-size: 11.0pt; line-height: 150%;"> <cite>www.mdp.ac.id/materi/2011-2012-1/.../MJ315-112200-718-5.ppt.</cite></span><span style="font-size: 11.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l15 level1 lfo16; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<cite><span style="font-family: Symbol; font-style: normal; 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></cite><span dir="LTR"></span><cite><span style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">jurnal-sdm.blogspot.com/.../manajemen-resiko-definisi-dan-manfaat.htm</span></cite><cite><span style="font-style: normal; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"></span></cite></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; mso-list: l15 level1 lfo16; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> <u>
</u></span></span></span><u><span dir="LTR"></span><span style="color: black;"><a href="https://avicennaedu.wordpress.com/2013/03/26/resiko-manajemen-risk-management/"><span style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">https://avicennaedu.wordpress.com/2013/03/26/resiko-manajemen-risk-management/</span></a></span></u><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; mso-list: l15 level1 lfo16; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; 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 dir="LTR"></span><span style="font-family: "Calibri","sans-serif"; font-size: 11.0pt; line-height: 150%; mso-ascii-theme-font: minor-latin; mso-bidi-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">http://deden08m.files.wordpress.com/2011/09/materi-8-dampak-asuransi-terhadap-kehidupan-sosial-ekonomi-rm.pdf</span><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"></span></div>
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<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Table Normal";
mso-tstyle-rowband-size:0;
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mso-style-noshow:yes;
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<br />
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">ASURANSI JIWA</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">PENGERTIAN</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Ada beberapa pengertian Asuransi
Jiwa dari pendapat para ahli hukum:</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Menurut Djoko Prakoso dan I Ketut
Murtika yang dikutip dari pendapat Molenggraf berpendapat bahwa :</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Asuransi jiwa dalam pengertian luas memuat semua
perjanjian mengenai pembayaran sejumlah modal atau bunga, yang didasarkan atas
ke mungkinan hidup atau mati, dan dari pada itu pembayaran premi atau
dua-duanya dengan cara digantungkan pada masa hidupnya atau meninggalnya
seseorang atau lebih.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Menurut Wirjono Prodjodikoro, pada Pasal 1a Bab I
Staatsblad 1941-101, pengertian asuransi jiwa sebagai berikut :</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">”Perjanjian asuransi jiwa ialah perjanjian tentang
pembayaran uang dengan nikmat dari premi dan yang berhubungan dengan hidup atau
matinya seseorang termasuk juga perjanjian asuransi kembali/uang dengan
pengertian/catatan bahwa perjanjian dimaksud tidak termasuk perjanjian asuransi
kecelakaan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Menurut H.M.N Purwosutjipto</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">“Asuransi jiwa dapat diartikan sebagai
pertanggungan jiwa adalah perjanjian timbal balik antara penutup (pengambil)
asuransi dengan penanggung dengan mana penutup asuransi mengikatkan diri selama
jalannya pertanggungan membayar uang premi kepada penanggung, sedangkan
penanggung sebagai akibat langsung dari meninggalnya orang yang jiwanya
dipertanggungkan atau telah lampaunya suatu jangka waktu yang diperjanjikan
mengikat diri untuk membayar sejumlah uang tertentu kepada orang yang ditunjuk
untuk penutup asuransi sebagai penikmatnya.” </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">CONTOH
<span style="mso-spacerun: yes;"> </span>KASUS ASURANSI JIWA</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Kasus Pertama
Mengapa Klaim Asuransi Jiwa ditolak oleh pihak Asuransi!</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-indent: 36.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Ada beberapa alasan yang menyebabkan ditolaknya
klaim asuransi jiwa:</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo4; mso-text-indent-alt: -18.0pt; text-indent: -72.0pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Bunuh
Diri</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Bunuh
diri adalah suatu tindakan menghilangkan nyawa dengan sengaja. Oleh karena itu,
perusahaan asuransi berhak untuk tidak memberikan persetujuan klaim asuransi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo4; mso-text-indent-alt: -18.0pt; text-indent: -72.0pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Melukai
Diri Sendiri</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Jika
pemegang polis mengalami kecelakaan yang diakibatkan oleh kesalahan diri sendiri,
berbagai tindakan kesengajaan atau tindakan yang menantang bahaya, maka perusahaan
asuransi tidak akan mengabulkan klaim asuransi. </span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; text-indent: 36.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Contoh
kasus:</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Pada asuransi kematian akibat kecelakaan (<i>accidental death</i>),
biasanya Terdapat klausul yang mengecualikan kecelakaan yang disebabkan oleh tindakan
"melukai diri sendiri". Oleh karena itu, perusahaan asuransi berhak menolak
klaim kematian akibat kecelakaan yang disebabkan oleh kebut -kebutan di jalan
raya karena kebut-kebutan merupakan salah satu tindakan "melukai diri
sendiri", atau pemegang polis asuransi mengemudikan kendaraan dalam
keadaan mabuk.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo4; mso-text-indent-alt: -18.0pt; text-indent: -72.0pt;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Misrepresentasi
Material</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Misrepresentasi
Material adalah memberikan pernyataan yang tidak sesuai dengan fakta kepada
perusahaan asuransi. Misalnya berbohong mengenai riwayat kesehatan, umur,
pekerjaan dan lain sebagainya. Perusahaan asuransi berhak menolak klaim asuransi
dari pemegang polis jika dalam penyelidikan terbukti adanya Misrepresentasi Material.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"><span style="mso-tab-count: 1;"> </span>Kasus
kedua adalah keuntungan memiliki <span style="mso-spacerun: yes;"> </span>asuransi jiwa</span></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo5; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol; mso-fareast-language: IN;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">meninggal dunia </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN;">Kematian tidak dapat dihindari dalam kehidupan manusia. Bila seseorang
sudah memiliki asuransi jiwa maka saat orang tersebut meninggal dunia, ahli
waris dari orang tersebut akan menerima sejumlah uang pertanggungan dari pihak
penanggung yaitu perusahaan asuransi sebagai bekal bagi keluarga yang
ditinggalkan. Hal ini akan sangat berguna apabila orang yang meninggal juga
adalah tulang punggung keluarga.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<a name='more'></a><br />
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo1; text-indent: -18.0pt;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">CONTOH
PERUSAHAAN LIFE INSURANCE</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 2.0cm; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo2; text-align: justify; text-indent: -21.25pt; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Manulife
Indonesia</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Manulife Indonesia menawarkan produk dan jasa yang paling komprehensif
dalam industri jasa keuangan di Indonesia melalui produk asuransi jiwa dan
employee benefits dari PT Asuransi Jiwa Manulife Indonesia serta melalui
layanan reksa dana dan manajemen aset dari PT Manulife Aset Manajemen
Indonesia. Berkantor pusat di Jakarta, PT Asuransi Jiwa Manulife Indonesia
beroperasi melalui jaringan kantor pemasaran di 26 kota yang tersebar di
Indonesia, didukung oleh lebih dari 12.000 karyawan dan agen profesional dan
memiliki sekitar 1,9 juta polis aktif. Perusahaan - perusahaan Manulife
Indonesia merupakan perusahaan - perusahaan yang terdaftar dan diawasi oleh
Otoritas Jasa Keuangan (OJK). Tenaga pemasar yang melakukan penawaran dan
penjualan atas produk ini telah terdaftar dan diawasi oleh Otoritas Jasa
Keuangan (OJK) atau asosiasi terkait.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Di bawah
ini ada beberapa program asuransi jiwa Manulife Indonesia :</span></div>
<div style="line-height: 150%; margin-left: 72.0pt; text-align: justify; text-justify: inter-ideograph;">
<span class="nnn1cd09">ProActive</span></div>
<div style="line-height: 150%; margin-left: 72.0pt; text-align: justify; text-justify: inter-ideograph;">
Merupakan program <a href="http://www.manulife-indonesia.com/"><strong><span style="color: windowtext; text-decoration: none; text-underline: none;">asuransi jiwa</span></strong></a>
berjangka dengan masa perlindungan per tahun yang memberikan perlindungan
maksimal dengan Premi yang terjangkau. Asuransi ini dapat diperpanjang secara otomatis
tanpa seleksi risiko ulang. Asuransi ini juga dapat dilengkapi dengan program
Asuransi Tambahan yang sesuai dengan kebutuhan perlindungan yang Anda inginkan.
Bagi Anda yang berusia 45 tahun, hanya dengan menyisihkan Rp8.470/hari, Anda
akan mendapatkan manfaat perlindungan sebesar Rp500.000.000</div>
<div style="line-height: 150%; margin-left: 72.0pt; text-align: justify; text-justify: inter-ideograph;">
<span class="nnn1cd09">ProActive</span><strong> Plus</strong> </div>
<div style="line-height: 150%; margin-left: 72.0pt; text-align: justify; text-justify: inter-ideograph;">
Merupakan program <a href="http://www.manulife-indonesia.com/perlindungan-jiwa">asuransi jiwa</a>
yang memberikan perlindungan selama jangka waktu tertentu sesuai kebutuhan
Anda, yaitu: 5 – 20 tahun Masa Pertanggungan. <strong>ProActive Plus</strong>
tidak hanya untuk perencanaan keuangan Anda, namun dapat memberikan proteksi
terhadap jiwa dengan premi yang terjangkau dan tidak berubah <em>(flat)</em>
selama Masa Pertanggungan, serta dapat diperpanjang secara otomatis tanpa
seleksi risiko ulang. Selain itu asuransi <span class="nnn1cd09">ini</span> dapat
dilengkapi dengan program Asuransi Tambahan sesuai dengan kebutuhan
perlindungan yang Anda inginkan.</div>
<div style="line-height: 150%; margin-left: 72.0pt; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div style="line-height: 150%; margin-left: 72.0pt; text-align: justify; text-justify: inter-ideograph;">
<span class="nnn1cd09">ProLife Plus</span> </div>
<div style="line-height: 150%; margin-left: 72.0pt; text-align: justify; text-justify: inter-ideograph;">
merupakan <a href="http://www.manulife-indonesia.com/produk?language=id">program perencanaan
keuangan dan perlindugan jiwa</a> sampai dengan usia 99 tahun yang disediakan
khusus untuk Anda dan keluarga. <strong>ProLife Plus</strong> merupakan salah
satu alat investasi jangka panjang yang memberikan manfaat perlindungan bagi
Anda mulai dari usia 30 hari sampai dengan 70 tahun. Jika Tertanggung meninggal
dunia atau hidup sampai dengan berusia 100 tahun, Tertanggung akan mendapatkan
Manfaat Akhir Pertanggungan dan Nilai Pertanggungan Tambahan.</div>
<div style="line-height: 150%; margin-left: 72.0pt; text-align: justify; text-justify: inter-ideograph;">
Manfaat <strong>ProLife Plus</strong> adalah :</div>
<div style="line-height: 150%; margin-left: 108.0pt; mso-list: l0 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; 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 dir="LTR"></span>Cukup dengan menyisihkan
USD1.13 per hari, Anda sebagai Tertanggung telah dapat menikmati perlindungan
hingga usia 99 tahun.</div>
<div style="line-height: 150%; margin-left: 108.0pt; mso-list: l0 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; 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 dir="LTR"></span>Apabila terjadi musibah
meninggal dunia di periode tersebut, keluarga Anda akan menerima 100% Uang
Pertanggungan ditambah dengan Nilai Pertanggungan Tambahan (jika ada).</div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Sumber :</span></div>
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<a href="http://repository.usu.ac.id/bitstream/123456789/16750/3/Chapter%20II.pdf"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">http://repository.usu.ac.id/bitstream/123456789/16750/3/Chapter%20II.pdf</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<a href="http://www.manulife-indonesia.com/"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">http://www.manulife-indonesia.com</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<a href="http://duasisikoin.wordpress.com/category/contoh-kasus-asuransi/"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">http://duasisikoin.wordpress.com/category/contoh-kasus-asuransi/</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm;">
<a href="http://makalahasuransijiwa-maya.blogspot.com/"><span style="color: windowtext; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: IN; text-decoration: none; text-underline: none;">http://makalahasuransijiwa-maya.blogspot.com</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"></span></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-85464085769208790622014-10-08T06:06:00.000-07:002014-10-08T06:06:19.854-07:00Asuransi Kerugian<!--[if gte mso 9]><xml>
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<br />
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">ASURANSI
KERUGIAN</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">PENGERTIAN</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Asuransi kerugian</span></i><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"> adalah asuransi yang menjamin kerugian atau
kerusakan pada harta benda atau kepentingan yang secara langsung disebabkan
oleh suatu peristiwa yang tidak diketahui sebelumnya. Sedangkan <i>Perusahaan
Asuransi Kerugian</i>, adalah perusahaan yang memberikan jasa dalam
penanggulangan risiko atas kerugian, kehilangan manfaat, dan tanggung jawab
hukum kepada pihak ketiga, yang timbul dari peristiwa yang tidak pasti.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Jenis Asuransi Kerugian</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<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 dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Asuransi Harta Benda (Property
Insurance), contohnya Asuransi Kebakaran (Fire Insurance)</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<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 dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Asuransi Rekayasa (Engineering
Insurance), contohnya Asuransi Pemasangan Mesin (Erection All Risks)</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<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 dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Asuransi
Aneka (Miscellaneous), contohnya Asuransi Pencurian (Burgary)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<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 dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Asuransi
Jaminan (Guaratee), contonya <span style="mso-spacerun: yes;"> </span>Jaminan
Pemeliharaan (maintenance Bond)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<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 dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Asuransi
Marine Risks & Marine Liability, contohnya Asuransi Pengangkutan Barang
(Marine Cargo Insurance)</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<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 dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Asuransi
Tanggung Gugat (Liability), contohnya Asuransi public Liability</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<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 dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Asuransi
Professional Liability, contohnya Asuransi Professional Indemnity</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">CONTOH
KASUS SERTA CARA PERUSAHAAN ASURANSI </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">MENGENDALIKAN RISIKO</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Kejahatan bukan monopoli <span class="s3gsb9">kaum</span> kriminal. Dalam asuransi pun, istilah “kejahatan”
juga bisa ditemui. Selama ada celah dan kesempatan berbuat curang, hal itu bisa
terjadi. Beberapa kasus yang terjadi pada perusahaan asuransi kerugian,
contohnya pada Perusahaan Asuransi Mobil. Berikut beberapa yang lazim terjadi
pelanggaran dalam asuransi serta konsekuensinya :</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<a name='more'></a><br />
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo3; text-align: justify; text-indent: -14.2pt; text-justify: inter-ideograph;">
<strong><span style="font-family: Symbol; font-size: 12.0pt; font-weight: normal; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span></strong><span dir="LTR"></span><strong><span style="font-size: 12.0pt; line-height: 150%; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Asuransi Ganda</span></strong></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Secara harfiah asuransi ganda (<span class="s3gsb9">double</span> <span class="s3gsb9">insurance</span>) berarti objek
pertanggungan kendaraan dimiliki lebih dari satu polis. Tentu saja dengan kondisi
serta motif yang beragam bila dikaitkan dengan permasalahannya. Mulai dari
ketidaktahuan konsumen hingga kesengajaan. Praktik asuransi ganda ini akibat
ketidaktahuan konsumen. Umumnya, terjadi setelah transaksi <span class="s3gsb9">mobil</span>
seken dan tidak diinformasikan secara gamblang ke pemilik baru. Sekali lagi,
dalam asuransi perlu adanya itikad baik dari semua pihak. Bila salah satu tidak
ada sikap itu. Sulit mewujudkan interaksi berasuransi yang baik antara nasabah
dengan<span style="mso-spacerun: yes;"> </span>penyelenggara.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><br />
“Dalam asuransi berprinsip indemnity. Artinya, asuransi hanya mengganti
kerugian klaim sesuai dengan kondisi kendaraan seperti semula. Sehingga,
logikanya tidak ada penggantian klaim melebihi kerugian objek yang
ditanggungnya,” ujar Suryanda, Assistant Vice President – Personal Lines PT
Zurich Insurance Indonesia. Sedangkan yang terakhir, lebih mengarah ke tindakan
kriminal. Karena sudah terbukti unsur penipuan dan mengambil keuntungan dari
keberadaan polis ganda.<br />
Secara sadar, oknum nasabah semacam ini memang mencari celah untuk mengambil
keuntungan dari pihak terlibat. Dalam hal ini asuransi saat terjadi klaim.
Modusnya pun beragam. Bisa melibatkan bengkel, agen atau perorangan saja.Memang,
bila berhasil, oknum tersebut bisa memperoleh keuntungan dari kasus tersebut.
Tapi bukan tanpa risiko. </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Selain melanggar pasal 277 ayat
Kitab Undang-Undang Hukum Dagang, juga menghantam pasal 378 Kitab Undang-Undang
Hukum Pidana. Ujung-ujungnya, penjara siap menanti nasabah nakal seperti ini.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo3; text-align: justify; text-indent: -14.2pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pemalsuan Data</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Kedengarannya klise. Untuk kasus
asuransi, kerap pemalsuan data menjadi hal penting klaim Anda tertolak.
Pemalsuan data bisa beragam. Mulai dari pemberian data yang tidak lengkap
hingga lampiran laporan lain juga menjadi penyebab. Baik ada unsur kesengajaan
atau tidak. Biasanya, petugas bakal menelaah kasus secara komprehensif. Bila
hanya sekadar kelalaian semata, pendampingan dan pengarahan dari petugas
menjadi opsi dalam mencari solusi terbaik.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><br />
Namun bila terdapat unsur kesengajaan untuk mendapat keuntungan semata, pihak
asuransi bisa membatalkan klaim Anda secara sepihak.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo3; text-align: justify; text-indent: -14.2pt; text-justify: inter-ideograph;">
<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 dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Penggelapan</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
Kerap dalam praktiknya, para nasabah
terkecoh dengan kehilangan konvensional (pencurian – redaksi). Namun dalam
konteks asuransi, perbedaan keduanya jelas. Kalau definisi kehilangan atas
pencurian, objek (mobil) berada di bawah otoritas kepemilikan dan hilang
dikarenakan adanya unsur pemaksaan dan disertai tindakan kriminal. Sementara
untuk penggelapan, objek atau kendaraan secara sadar diserahakan atau
dikuasai pada pihak kedua dan kemudian disalahgunakan. Sehingga objek atau
mobil dikabarkan hilang dan berharap bergantian klaim dari pihak asuransi.<br style="mso-special-character: line-break;" /><div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 35.45pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">
<br style="mso-special-character: line-break;" />
</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Contoh kasus sederhana seperti mobil hilang saat valet parking,
meminjamkan ke orang terdekat secara sadar seperti sopir, teman dan lainnya.
Konteksnya, Anda secara sadar memberikan kunci mobil, surat kendaraan dan mobil
ke pihak tersebut dan kemudian dinyatakan “hilang”.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><br />
Dalam kasus ini, pihak asuransi bakal melakukan investigasi ke lapangan. Apakah
ada unsur penggelapan atau memang pencurian murni dalam investigasi di
lapangan.<br />
Bahkan, bila terbukti di lapangan merupakan penggelapan, tidak hanya menolak
klaim Anda, pihak asuransi bisa mengajukan tuntutan kepada nasabah ke pihak
kepolisian. Dasarnya, tindakan ini dianggap masuk dalam ranah pidana. Unsur
penipuan pasal 378 dalam Kitab Undang-Undang Hukum Pidana bisa dimaksimalkan
menjerat nasabah.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><br />
Namun, terlepas kasus ini, biasanya unsur penggelapan dilakukan oleh sindikat
dan melibatkan banyak pihak.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto;">
<span style="font-family: "Bradley Hand ITC"; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi;">Referensi :</span></div>
<div class="MsoListParagraph" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l1 level1 lfo4; text-indent: -18.0pt;">
<span style="font-family: "Courier New"; mso-fareast-font-family: "Courier New"; mso-fareast-language: ZH-CN;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Tony, 26/01/2014. Kejahatan dalam asuransi mobil. Alamat
situs : </span><a href="http://m.autobild.co.id/read/2014/01/26/9556/55/15/Kejahatan-dalam-Asuransi-Mobil"><span style="color: windowtext; font-family: "Times New Roman","serif"; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi; text-decoration: none; text-underline: none;">http://m.autobild.co.id/read/2014/01/26/9556/55/15/Kejahatan-dalam-Asuransi-Mobil</span></a><span style="font-family: "Times New Roman","serif"; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo4; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<cite><span style="font-family: "Courier New"; font-style: normal; mso-bidi-font-style: italic; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span></cite><span dir="LTR"></span><a href="http://www.ojk.go.id/asuransi"><span style="color: windowtext; font-family: "Times New Roman","serif"; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi; text-decoration: none; text-underline: none;">www.ojk.go.id/asuransi</span></a><cite><span style="mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span></cite></div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo4; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Courier New"; mso-fareast-font-family: "Courier New";"><span style="mso-list: Ignore;">o<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">http://ahliasuransi.com/asuransi-kerugian/</span></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-35084362789900202482014-09-28T06:52:00.001-07:002014-09-28T06:52:32.805-07:00Asuransi dan Manajemen Risiko<!--[if gte mso 9]><xml>
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<br />
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">ASURANSI<span style="mso-spacerun: yes;"> </span>dan <span style="mso-spacerun: yes;"> </span>MANAJEMEN RISIKO</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Asuransi</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> adalah suatu
perjanjian dengan mana seseorang penanggung mengikatkan diri kepada seorang
tertanggung dengan menerima suatu premi untuk memberikan penggantian kepadanya
karena suatu kerugian, kerusakan atau kehilangan keuntungan yang diharapkan
yang mungkin terjadi karena suatu peristiwa tak tertentu ( Undang-undang Hukum
Dagang Pasal 246).</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Berdasarkan
Undang-undang No. 2 tahun 1992 yang mengatur tentang Usaha Perasuransian,
bidang dan jenis usaha perasuransian. Dalam undang-undang tersebut dijelaskan
jenis-jenis asuransi berikut ini :</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l5 level1 lfo7; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha
Asuransi</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> merupakan usaha jasa keuangan yang
menghimpun dana dari masyarakat melalui premi asuransi dengan memberikan
perlindungan terhadap kemungkinan timbulnya kerugian karena sesuatu yang tidak
pasti terjadi terhadap hidup atau meninggalnya seseorang. Asuransi berdasarkan
jenis usaha perasuransian dapat dibedakan menjadi :</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo8; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha
Asuransi Kerugian </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha asuransi kerugian akan memberikan jasa berupa penanggulangan
risiko terhadap kerugian, kehilangan manfaat dan tanggung jawab hukum kepada
pihak ketiga yang timbul dari peristiwa yang tidak pasti. Jenis Asuransi
kerugian dapat berupa : asuransi kebakaran, asuransi pengangkutan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo8; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha
Asuransi Jiwa</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha asuransi jiwa akan memberikan jasa dalam penanggulangan
risiko yang dikaitkan dengan hidup atau meninggalnya seseorang yang
dipertanggungkan. Jenis-jenis asuransi jiwa adalah : Asuransi berjangka,
Asuransi Tabungan, Asuransi seumur hidup.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo8; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha
Reasuransi</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha reasuransi akan memberikan jasa dalam pertanggungan ulang
terhadap risiko yang dihadapi perusahaan asuransi kerugian dan perusahaan
asuransi jiwa atau sering disebut asuransi dari asuransi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l5 level1 lfo7; text-align: justify; text-indent: -14.7pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha
Penunjang Asuransi</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"> merupakan
usaha yang menyelenggarakan jasa perantara, penilaian kerugian asuransi, jasa
aktuaria. Prinsipnya adalah pendukung kegiatan usaha jasa perusahaan
perasuransian dalam melakukan kegiatannya. Usaha penunjang asuransi atau lebih
dikenal dengan agen, dibagi menjadi :</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo9; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha
pialang asuransi</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Pialang asuransi memberikan jasa berupa perantara dalam hal
penutupan asuransi dan penanganan penyelesaian ganti rugi dengan bertindak bagi
kepentingan pihak tertanggung.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo9; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha
pialang reasuransi</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Untuk usaha ini pialang asuransi akan memberikan jasa keperantaraan
dalam penempatan reasuransi dan penanganan penyelesaian ganti rugi reasuransi
dengan bertindak untuk kepentingan perusahaan asuransi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo9; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha
penilaian kerugian asuransi</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha ini membantu untuk melakukan jasa penilaian jika terjadi
kerugian pada objek asuransi yang dipertanggung jawabkan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo9; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha
konsultan aktuaria</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Perusahaan perantara memberikan jasa konsultasi aktuaria.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo9; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">e.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Usaha
agen asuransi</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Perusahaan perantara memberikan jasa keperantaraan (agen) dalam
memasarkan jasa asuransi untuk atau atas nama penanggung (pihak perusahaan
asuransi)</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Manajemen risiko</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">
adalah suatu rangkaian prosedur dan metodologi yang digunakan untuk
mengidentifikasi, mengukur, memonitor dan mengontrol risiko yang timbul dari
bisnis operasional suatu perusahaan. Manajemen risiko ditujukan untuk
memastikan kesinambungan, profitabilitas dan pertumbuhan usaha sejalan dengan
visi dan misi perusahaan. Strategi pengendalian dan pengelolaan risiko usaha
memerlukan langkah-langkah antara lain:</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">a)
Identifikasi dan pembuatan peta risiko (<i>risk mapping</i>),</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">b)
Kuantifikasi dan pengukuran risiko (<i>risk measurement and assessment</i>),</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">c)
Penanganan risiko (<i>risk threatment</i>),</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">d)
Kebijakan manajemen risiko,</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<a name='more'></a>2.<span style="mso-spacerun: yes;"> </span>Contoh Perusahaan Asuransi<br />
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">KRESNA
LIFE INSURANCE</span></b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">A.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Sejarah
Kresna Life Insurance</span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">PT Asuransi Jiwa
Kresna berdiri pada tahun 2008 dengan memiliki pengalaman usaha Asuransi Jiwa
dan Dana Pensiun sejak tahun 1997 dan kini dikelola oleh profesional investasi
dan industri asuransi yang berpengalaman luas. Dengan fundamental keuangan dan
modal sebagaimana disyaratkan oleh pemerintah.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Berbekal dengan landasan demikian itu Kresna Life
berfokus memenuhi dan mengantisipasi kebutuhan nasabah dan mitra bisnis yang
berkembang. Dengan motivasi <i>wealth accumulation</i> dan <i>wealth protection</i>
serta layanan berkualitas, kami dapat memenuhi kebutuhan nasabah dan mitra
bisnis. </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-indent: 36.0pt; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Kresna Life
Insurance</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;"> menyediakan program asuransi jiwa, asuransi
kecelakaan dan kesehatan, asuransi jiwa kredit dan pensiun, baik untuk
perorangan maupun kelompok. Komitmen ini akan membawa kami menjadi salah satu
perusahaan terpercaya di industri asuransi jiwa dan jasa keuangan di Indonesia,
untuk mewujudkan <i>for a good quality of life</i>.</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">B.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Visi
dan Misi Kresna Life Insurance</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-outline-level: 1; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-font-kerning: 18.0pt; mso-hansi-theme-font: major-bidi;">Visi</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Menjadi lembaga keuangan terpercaya agar masyarakat
memperoleh kualitas kehidupan terbaik.</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-outline-level: 1; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-font-kerning: 18.0pt; mso-hansi-theme-font: major-bidi;">Misi</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Membangun kualitas kehidupan terbaik melalui jasa
keuangan yang bermutu dan terpercaya.</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l4 level1 lfo1; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">C.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Produk
Kresna Life Insurance</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo2; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -72.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Protecto Investa
Kresna</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Adalah produk asuransi Jiwa konvensional dengan jenis Dwiguna Kombinasi
yang memberikan perlindungan risiko meninggal dunia karena kecelakaan dan hasil
investasi yang dijamin dengan tingkat bunga yang optimum.</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Jenis Polis Asuransi</span></b></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Polis Perorangan/Individu</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Masa Asuransi</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">5 (lima) tahun</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Keunggulan Produk Protecto Investa Kresna</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Memberikan manfaat investasi sebesar premi yang dibayarkan, ditambah
dengan hasil investasi dengan besarnya tingkat bunga investasi hingga maksimal
8% netto per tahun* dan jangka waktu penempatan dana investasi dapat dipilih
per 3 bulan, 6 bulan, 9 bulan atau 12 bulan, dan dapat diperpanjang hingga masa
<b>kontrak</b> asuransi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Ketentuan Premi</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l6 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Premi untuk setiap polis ditentukan minimum sebesar Rp. 50.000.000,- </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l6 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Masa dan cara pembayaran premi : Tunggal/Sekaligus</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l6 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Pembayaran premi dilakukan dengan melalui cash atau transfer rekening
Bank</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l6 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Mata uang dalam kurs Rupiah</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Manfaat Polis Asuransi</span></b></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 106.9pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo6; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-CN;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Santunan Meninggal
Dunia Karena Kecelakaan</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Apabila tertanggung meninggal dunia karena
kecelakaan dalam masa asuransi, maka akan mendapatkan santunan uang
pertanggungan sebesar premi yang dibayarkan ditambah manfaat investasi sebesar
nilai saldo investasi terakhir, selanjutnya kontrak asuransi berakhir.</span></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 106.9pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo6; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-CN;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Santunan Meninggal
Dunia Karena Penyakit</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Apabila tertanggung meninggal dunia karena penyakit
dalam masa asuransi, maka akan diberikan manfaat investasi sebesar nilai saldo
investasi terakhir, selanjutnya kontrak asuransi berakhir.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 106.9pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo6; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: Symbol; font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Symbol; mso-bidi-font-weight: bold; mso-fareast-font-family: Symbol; mso-fareast-language: ZH-CN;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Manfaat Investasi</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 70.9pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Manfaat investasi yang diberikan adalah sebesar
premi yang dibayarkan, ditambah hasil investasi dengan besarnya tingkat bunga
investasi dijamin dengan penarikan bunga investasi secara bulanan 8% netto per
tahun</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo2; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -72.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Protecto Health Care</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Adalah suatu program paket asuransi kesehatan yang dirancang khusus
untuk organisasi/perusahaan dengan jumlah karyawan mulai dari 5 hingga 25
karyawan. Program ini tidak hanya memberikan manfaat apabila karyawan atau
anggota keluarganya jatuh sakit, akan tetapi juga memberikan manfaat mulai
pencegahan, perawatan serta pemulihan kesehatan mereka.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 72.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Manfaat yang diberikan untuk program berupa :</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo4; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Rawat Inap</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l8 level1 lfo4; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Rawat Jalan dan Gigi</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 36.0pt; text-justify: inter-ideograph;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Keunggulan Kresna
Protecto Health Care</span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;"></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify; text-indent: 36.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Pelayanan kesehatan
yang diberikan sangat luas</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo5; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Proteksi 24 jam dan 365 hari di seluruh dunia.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo5; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Dapat menggunakan fasilitas rumah sakit jaringan KRESNA LIFE yang luas
di seluruh Indonesia.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo5; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Bebas memilih rumah sakit/klinik mana saja yang diinginkan dengan sistem
<i>reimbursement</i>.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo5; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Untuk Rawat Jalan, peserta dapat langsung berobat ke Dokter Spesialis
Anak, Dokter Spesialis Kandungan, Dokter Spesialis Mata, Dokter Spesialis Kulit
dan Dokter Spesialis THT (Telinga, Hidung dan Tenggorokan).</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo5; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">e.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Penggantian biaya pengobatan 30 hari sebelum dan sesudah perawatan di
rumah sakit.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo5; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">f.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Mendapatkan manfaat Santunan Kematian dan Santunan Kematian akibat
Kecelakaan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo5; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">g.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Tidak ada batasan dalam penggunaan jenis obat-obatan dan tindakan
diagnosa, sepanjang diperlukan secara medis.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo5; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">h.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Fasilitas Jasa Layanan Bantuan Evakuasi Lokal (Local Medical Evacuation)
diberikan dalam manfaat Rawat Inap.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo5; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">i.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Akses ke layanan
KRESNA LIFE Call Center 24 jam, 365 hari setahun untuk semua keperluan medis
peserta.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo5; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">j.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Mendapatkan
fasilitas perawatan Kemoterapy, Hemodialisa dan Radioterapy.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo5; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">k.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Untuk Rawat Jalan, mendapatkan fasilitas Perawatan Gigi Dasar.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 108.0pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l7 level1 lfo5; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-fareast-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-list: Ignore;">l.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-hansi-theme-font: major-bidi;">Premi yang terjangkau
untuk melindungi karyawan dan/atau anggota keluarganya, mulai dari Rp. 700,-
per hari.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Referensi
: </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">website
<a href="http://www.pustaka.ut.ac.id/"><span style="color: windowtext;">http://www.pustaka.ut.ac.id</span></a></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"><span style="mso-tab-count: 1;"> </span><span style="mso-spacerun: yes;"> </span><a href="http://www.kresnalife.com/"><span style="color: windowtext;">http://www.kresnalife.com</span></a></span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Suhendra Susy E, Oswari Teddy,
Setiawan Silvy.2013”Peran <i>Business Continuity Plan</i> dan <i>Contingency
Plan</i> Dalam Meminimalisir Risiko Teknologi Informasi” jurnal asuransi dan manajemen
risiko,1-11.</span> <cite><u><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">toswari.staff.gunadarma.ac.id/.../<b>Jurnal</b>+<b>Asuransi</b>+dan+<b>Manajemen</b>+<b>Risik</b>.</span></u></cite><cite><span style="font-size: 12.0pt; font-style: normal; line-height: 150%; mso-ascii-font-family: "Times New Roman"; mso-ascii-theme-font: major-bidi; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-hansi-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"></span></cite></div>
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Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-30500246308778653552014-06-09T06:55:00.003-07:002014-06-09T06:55:57.563-07:00cara memperbaiki komunikasi<!--[if gte mso 9]><xml>
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<br />
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">CARA MEMPERBAIKI KOMUNIKASI</span></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Dalam melakukan komunikasi adakalanya hasil yang
dicapai tidak sesuai dengan apa yang diharapkan. Dengan kata lain, komunikasi
yang terjadi tidak efektif, sehingga tidak mencapai sasaran dengan baik. Untuk dapat
melakukan komunikasi yang efektif diperlukan beberapa persyaratan, antara lain:
persepsi, ketepatan, kredibilitas, pengendalian, dan kecocokan/keserasian.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>1.<span style="font: 7.0pt "Times New Roman";"> <b>
</b></span></span></span><b><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Persepsi</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Komunikator
harus dapat memprediksi apakah pesan-pesan yang akan disampaikannya dapat
diterima oleh penerima pesan. Bila prediksinya tepat, audience akan membaca
atau menerima tanggapannya dengan benar. Audience sebagai penerima pesan, lalu
akan mengantisipasi reaksi komunikator untuk menyusun pesan yang diterima bagi
diri mereka, dengan tetap melakukan penyesuaian untuk menghindari
kesalahpahaman dalam komunikasi tersebut.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>2.<span style="font: 7.0pt "Times New Roman";"> <b>
</b></span></span></span><b><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Ketepatan</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Audience
mempunyai suatu kerangka pikir. Agar komunikasi yang dilakukan mencapai
sasaran, komunikator perlu mengekspresikan hal yang ingin disampaikan sesuai
dengan kerangka pikir audience. Apabila hal tersebut diabaikan, maka yang
muncul adalah miscommunication.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Kredibilitas</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Dalam berkomunikasi,
komunikator perlu memiliki suatu keyakinan bahwa audience-audiencenya adalah
orang-orang yang dapat dipercaya. Demikian juga sebaliknya, komunikator harus
mempunyai suatu keyakinan akan inti pesan dan maksud yang ingin mereka
sampaikan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Pengendalian</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Dalam berkomunikasi,
audience akan memberikan suatu reaksi atau tanggapan terhadap pesan yan
disampaikan. Reaksi mereka dapat membuat komunikator tertawa, menangis,
bertindak, mengubah pikiran atau bersikap lemah lembut. Hal ini ditentukan oleh
intensitas reaksi yang dilontarkan audience terhadap apa yang disampaikan oleh
komunikator. Sebaliknya, reaksi audience tergantung pada berhasil atau tidaknya
komunikator mengendalikan audiencenya saat melakukan komunikasi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><b><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Kecocokan/keserasian</span></b></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Komunikator yang baik selalu
dapat menjaga hubungan persahabatan yang menyenangkan dengan audience sehingga
komunikasi dapat berjalan lancar dan mencapai tujuannya. Seorang komunikator
yang baik juga akan menghormati dan berhasil memberi kesan yang baik kepada
audience-nya.</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
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<br />
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<br /><br />
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-59388817004489059492014-06-09T06:30:00.000-07:002014-06-09T06:30:06.738-07:00persiapan wawancara<!--[if gte mso 9]><xml>
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UnhideWhenUsed="false" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
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<w:LsdException Locked="false" Priority="61" SemiHidden="false"
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<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 3"/>
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UnhideWhenUsed="false" Name="Medium Grid 2 Accent 3"/>
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<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
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UnhideWhenUsed="false" Name="Light Grid Accent 4"/>
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<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 4"/>
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<w:LsdException Locked="false" Priority="71" SemiHidden="false"
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<w:LsdException Locked="false" Priority="71" SemiHidden="false"
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<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
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<w:LsdException Locked="false" Priority="61" SemiHidden="false"
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<w:LsdException Locked="false" Priority="64" SemiHidden="false"
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<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 6"/>
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</xml><![endif]--><!--[if gte mso 10]>
<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Table Normal";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
mso-style-qformat:yes;
mso-style-parent:"";
mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
mso-para-margin-top:0cm;
mso-para-margin-right:0cm;
mso-para-margin-bottom:10.0pt;
mso-para-margin-left:0cm;
line-height:115%;
mso-pagination:widow-orphan;
font-size:11.0pt;
font-family:"Calibri","sans-serif";
mso-ascii-font-family:Calibri;
mso-ascii-theme-font:minor-latin;
mso-hansi-font-family:Calibri;
mso-hansi-theme-font:minor-latin;
mso-bidi-font-family:Arial;
mso-bidi-theme-font:minor-bidi;
mso-fareast-language:KO;}
</style>
<![endif]-->
<br />
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center; text-indent: 36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">PERSIAPAN WAWANCARA</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-indent: 36.0pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-indent: 36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Mengingat pentingnya wawancara untuk memasuki dunia kerja, sudah
selayaknya anda mempersiapkan diri dengan sebaik-baiknya. Berikut ini merupakan
berbagai hal yang perlu anda perhatikan saat melakukan wawancara kerja.</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Datang tepat waktu</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Bersikap yakin</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Siapkan sertifikat diploma, dan surat-surat
penghargaan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Berpakaian yang rapi dan sopan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Bersikap tenang</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Ketuk pintu sebelum memasuki ruang wawancara,
kecuali kalau ada yang mengantar</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>7.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Tersenyumlah, tapi jangan tersenyum<span style="mso-spacerun: yes;"> </span>terus</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>8.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Tunggu sampai anda dipersilahkan duduk, atau
mintalah ijin untuk duduk</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>9.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Ingat nama pewawancara dengan benar</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span>10.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Tataplah pewawancara jika anda
berbicara</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span>11.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Tunjukkan kemampuan diri anda,
namun jangan berlebihan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span>12.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Perhatikan pertanyaan pewawancara
dengan baik</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span>13.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Bicaralah dengan jelas</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span>14.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Atur nada suara anda</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span>15.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Tunjukkan minat dan kesungguhan
anda</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span>16.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Bersikaplah jujur dan langsung</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Berikut ini adalah hal-hal yang
juga perlu anda perhatikan saat melakukan wawancara</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Jangan datang terlambat</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Jangan kelihatan kesal karena menunggu lama</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Jangan datang ke wawancara tanpa persiapan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Jangan berpenampilan berlebihan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Jangan duduk sebelum dipersilahkan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>6.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Jangan meletakan tas anda di meja wawancara</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>7.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Jangan membungkuk/ menundukkan kepala</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>8.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Jangan membuka percakapan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>9.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Jangan memotong pewawancara di tengah kalimat</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span>10.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Jangan memberikan informasi yang
tidak relevan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span>11.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Jangan memberikan kesan bahwa
anda sangat membutuhkan pekerjaan</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo2; mso-text-indent-alt: -18.0pt; text-indent: -36.0pt;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span>12.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Jangan memberi kesan bahwa anda
tidak sabar</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Blackadder ITC"; font-size: 13.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Referensi : <span style="mso-tab-count: 1;"> </span></span><span style="font-family: "Times New Roman","serif"; font-size: 13.0pt; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Djoko Purwanto, Komunikasi Bisnis, Erlangga</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-65093265318269730552014-06-09T06:14:00.000-07:002014-06-09T06:14:22.273-07:00hambatan komunikasi<!--[if gte mso 9]><xml>
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<!--[if gte mso 9]><xml>
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Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-45505695807824040782014-06-09T05:54:00.001-07:002014-06-09T05:54:32.236-07:00komunikasi antarbudaya<!--[if gte mso 9]><xml>
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<br />
<div align="center" style="text-align: center;">
<b><span style="font-size: 14.0pt;">Komunikasi
antarbudaya </span></b></div>
<br />
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm;">
<b><span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-themecolor: background2; mso-themeshade: 26;">Komunikasi
antarbudaya</span></b><span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-themecolor: background2; mso-themeshade: 26;"> adalah <a href="http://id.wikipedia.org/wiki/Komunikasi" title="Komunikasi"><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26; text-decoration: none; text-underline: none;">komunikasi</span></a>
yang terjadi di antara orang-orang yang memiliki <a href="http://id.wikipedia.org/wiki/Kebudayaan" title="Kebudayaan"><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26; text-decoration: none; text-underline: none;">kebudayaan</span></a> yang berbeda (bisa beda ras,
etnik, atau sosioekonomi, atau gabungan dari semua perbedaan ini. Menurut
Stewart L. Tubbs, komunikasi antarbudaya adalah <a href="http://id.wikipedia.org/wiki/Komunikasi" title="Komunikasi"><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26; text-decoration: none; text-underline: none;">komunikasi</span></a> antara orang-orang yang berbeda
<a href="http://id.wikipedia.org/wiki/Budaya" title="Budaya"><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26; text-decoration: none; text-underline: none;">budaya</span></a> (baik dalam arti <a href="http://id.wikipedia.org/wiki/Ras" title="Ras"><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26; text-decoration: none; text-underline: none;">ras</span></a>, <a href="http://id.wikipedia.org/wiki/Etnik" title="Etnik"><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26; text-decoration: none; text-underline: none;">etnik</span></a>, atau perbedaan-perbedaan sosio
ekonomi).Kebudayaan adalah cara hidup yang berkembang dan dianut oleh
sekelompok orang serta berlangsung dari generasi ke generasi. </span></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm;">
<span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-themecolor: background2; mso-themeshade: 26;">Hamid Mowlana
menyebutkan komunikasi antarbudaya sebagai <i>human flow across national boundaries</i>.
Misalnya; dalam keterlibatan suatu konfrensi internasional dimana bangsa-bangsa
dari berbagai negara berkumpul dan berkomunikasi satu sama lain. Sedangkan Fred
E. Jandt mengartikan komunikasi antarbudaya sebagai interaksi tatap muka di
antara orang-orang yang berbeda budayanya. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm;">
<i><span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-themecolor: background2; mso-themeshade: 26;">Intercultural
communication generally refers to face-to-face interaction among people of
diverse culture.</span></i><span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-themecolor: background2; mso-themeshade: 26;"> </span></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm;">
<span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-themecolor: background2; mso-themeshade: 26;">Guo-Ming Chen dan
William J. Sartosa mengatakan bahwa komunikasi antarbudaya adalah proses
negosiasi atau pertukaran sistem simbolik yang membimbing perilaku manusia dan
membatasi mereka dalam menjalankan fungsinya sebagai kelompok. Selanjutnya
komunikasi antarbudaya itu dilakukan:</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18.0pt;">
<span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-bidi-font-family: Garamond; mso-fareast-font-family: Garamond; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-themecolor: background2; mso-themeshade: 26;">Dengan negosiasi
untuk melibatkan manusia di dalam pertemuan antarbudaya yang membahas satu tema
(penyampaian tema melalui simbol) yang sedang dipertentangkan. Simbol tidak
sendirinya mempunyai makna tetapi dia dapat berarti ke dalam satu konteks dan
makna-makna itu dinegosiasikan atau diperjuangkan; </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18.0pt;">
<span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-bidi-font-family: Garamond; mso-fareast-font-family: Garamond; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-themecolor: background2; mso-themeshade: 26;">Melalui pertukaran
sistem simbol yang tergantung dari persetujuan antarsubjek yang terlibat dalam
komunikasi, sebuah keputusan dibuat untuk berpartisipasi dalam proses pemberian
makna yang sama; </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18.0pt;">
<span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-bidi-font-family: Garamond; mso-fareast-font-family: Garamond; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-themecolor: background2; mso-themeshade: 26;">Sebagai pembimbing
perilaku budaya yang tidak terprogram namun bermanfaat karena mempunyai
pengaruh terhadap perilaku kita; </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18.0pt;">
<span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-bidi-font-family: Garamond; mso-fareast-font-family: Garamond; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-themecolor: background2; mso-themeshade: 26;">Menunjukkan fungsi
sebuah kelompok sehingga kita dapat membedakan diri dari kelompok lain dan
mengidentifikasinya dengan perbagai cara. </span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18.0pt;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18.0pt;">
<span style="color: #1d1b11; font-family: "Garamond","serif"; font-size: 14.0pt; line-height: 150%; mso-themecolor: background2; mso-themeshade: 26;">http://id.wikipedia.org </span></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-64340318014540712682014-06-09T05:45:00.003-07:002014-06-09T05:45:55.743-07:00definisi komunikasi<div class="genericcontent">
<h1 class="generic-title">
Pengertian dan Definisi Komunikasi Menurut Para Ahli</h1>
</div>
<div style="text-align: center;">
</div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
Secara harafiah, komunikasi berasal dari Bahasa Latin: COMMUNIS yang
berarti keadaan yang biasa, membagi. Dengan kata lain, komunikasi adalah
sutu proses di dalam upaya membangun saling pengertian. Dalam suatu
organisasi biasanya selalu menekankan bagaimana pentingnya sebuah
komunikasi antar anggota organisasi untuk menekan segala kemungkinan
kesalahpahaman yang bisa saja terjadi.<br />
<br />
Berikut ini adalah definisi serta penjelasan mengenai komunikasi menurut beberapa ahli:<br />
<br /><strong>PALO ALTO</strong><br />
Ketika dua orang sedang bersama, mereka berkomunikasi secara terus
menerus karena mereka tidak dapat berperilaku. PALO ALTO sangat percaya
bahwa seseorang tidak dapat tidak berkomunikasi<br />
<br />
<strong>HIMSTREET & BATY</strong><br />
Komunikasi adalah suatu proses pertukaran informasi antar individu
melalui suatu sistem yang biasa (lazim), baik dengan simbol-simbol,
sinyak-sinyal, maupun perilaku atau tindakan<br />
<br />
<strong>BOVEE</strong><br />
Komunikasi adalah suatu proses pengiriman dan penerimaan pesan<br />
<strong> </strong></div>
<div style="text-align: justify;">
<strong>LASWELL</strong><br />
Komunikasi adalah proses yang menggambarkan siapa mengatakn apa dengan cara apa, kepada siapa dengan efek apa<br />
<br />
<strong>CARL I. HOVLAND</strong><br />
Komunikasi adalah proses dimana seseorang individu atau komunikator
mengoperkan stimulan biasanya dengan lambang-lambang bahasa (verbal
maupun non verbal) untuk mengubah tingkah laku orang lain<br />
<br />
<strong>THEODORSON & THEDORSON</strong><br />
Komunikasi adalah penyebaran informasi, ide-ide sebagai sikap atau
emosi dari seseorang kepada orang lain terutama melalui simbol-simbol<br />
<br />
<strong>EDWIN EMERY</strong><br />
Komunikasi adalah seni menyampaikan informasi, ide dan sikap seseorang kepada orang lain<br />
<br />
<strong>DELTON E, Mc FARLAND</strong><br />
Komunikasi adalah suatu proses interaksi yang mempunyai arti antara sesama manusia<br />
<br />
<strong>WILLIAM ALBIG</strong><br />
Komunikasi adalah proses sosial, dalam arti pelemparan pesan/lambang
yang mana mau tidak mau akan menumbuhkan pengaruh pada semua proses dan
berakibat pada bentuk perilaku manusia dan adat kebiasaan<br />
<br />
<strong>CHARLES H. COOLEY</strong><br />
Komuniksi berarti suatu mekanisme hubungan antar manusia dilakukan
dengan mengartikan simbol secara lisan dan membacanya melalui ruang dan
menyimpan dalam waktu<br />
<br />
<strong>A. WINNET</strong><br />
Komunikasi merupakan proses pengalihan suatu maksud dari sumber kepada
penerima, proses tersebut merupakan suatu seri aktivitas, rangkaian atau
tahap-tahap yang memudahkan peralihan maksud tersebut<br />
<br />
<strong>KARFRIED KNAPP</strong><br />
Komunikasi merupakan interaksi antar pribadi yang menggunakan sistem
simbol linguistik, seperti sistem simbol verbal (kata-kata) dan non
verbal. Sistem ini dapat disosialisasikan secara langsung / tatap muka
atau melalui media lain (tulisan, oral, dan visual)<br /> </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
http://carapedia.com </div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-87121705226332379912014-06-09T05:41:00.001-07:002014-06-09T05:41:20.712-07:00komunikasi<!--[if gte mso 9]><xml>
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<div align="center" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: center;">
<b><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26;">KOMUNIKASI POLITIK</span></b></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26;">Komunikasi Politik</span></b><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26;"> adalah <a href="http://id.wikipedia.org/wiki/Komunikasi" title="Komunikasi"><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26;">komunikasi</span></a>
yang melibatkan pesan-pesan <a href="http://id.wikipedia.org/wiki/Politik" title="Politik"><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26;">politik</span></a> dan aktor-aktor politik, atau berkaitan dengan <a href="http://id.wikipedia.org/wiki/Kekuasaan" title="Kekuasaan"><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26;">kekuasaan</span></a>,
<a href="http://id.wikipedia.org/wiki/Pemerintahan" title="Pemerintahan"><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26;">pemerintahan</span></a>,
dan kebijakan pemerintah. Dengan pengertian ini, sebagai sebuah ilmu terapan,
komunikasi politik bukanlah hal yang baru. <b>Komunikasi politik</b> juga bisa
dipahami sebagai komunikasi antara "yang memerintah" dan "yang
diperintah".</span></div>
<div style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26;">Menurut <i>Gabriel Almond (1960):</i> komunikasi
politik adalah salah satu fungsi yang selalu ada dalam setiap sistem politik.</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo2; mso-outline-level: 2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: Wingdings; font-size: 14.0pt; line-height: 150%; mso-bidi-font-family: Wingdings; mso-bidi-font-weight: bold; mso-fareast-font-family: Wingdings; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";"> </span></span></span><span dir="LTR"></span><b><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 14.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Model
Komunikasi Politik</span></b></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo2; mso-outline-level: 2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo3; mso-outline-level: 3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<b><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;">1<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Model Aristoteles</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Model aristoteles merupakan model
yang paling klasik dalam ilmu komunikasi. Aristoteles yang hidup pada saat
komunikasi retorika sangat berkembang di Yunani. Perkembangan keterampilan
orang membuat pidato pembelaan di muka pengadilan dan rapat- rapat umum yang
dihadiri oleh rakyat. Sehingga, Model ini lebih berorientasi pada pidato,
terutama pidato untuk mempengaruhi orang lain, sehingga model ini juga bisa
disebut sebagai model retorikal/ model retoris, yang kini dikenal sebagai
komunikasi publik. Model komunikasi ini, mempunyai 3 bagian dasar dari
komunikasi yaitu, pembicara (speaker), pesan (message) dan pendengar (listener).
Proses komunikasi terjadi saat pembicara menyampaikan pesannya kepada khalayak
dengan tujuan mengubah prilaku mereka. Menurut Aritoteles, inti dari komunikasi
adalah persuasi dan pengaruh dapat dicapai oleh seseorang yang dipercaya oleh
publik. Menurut Aristoteles, persuasi dapat dicapai oleh siapa anda (etos-
kepercayaan anda), argumen anda (logos- logika dalam pendapat anda), dan dengan
memainkan emosi khalayak (pathos- emosi khalayak). Dengan kata lain, faktor-
faktor yang menentukan efek persuasif suatu pidato meliputi isi pidato,
susunannya, dan cara penyampainnya. Aristoteles juga menyadari peran khalayak
pendengar. Persuasi berlangsung melalui khalayak ketika meraka diarahkan </span></div>
<a name='more'></a>oleh
pidato itu ke dalam suatu keadaan emosi. (Deddy , Mulyana. 2002 : 135)
Kelemahan dari model ini yang pertama adalah komunikasi dianggap sebagai
fenomena yang statis, terfokus pada komunikasi yang bertujuan atau disengaja
terjadi ketika seseorang membujuk orang lain untuk menerima pendapatnya.
Kemudian model ini tidak memperhitungkan komunikasi non-verbal dalam
mempengaruhi orang lain. Walaupun demikian, model ini menginspirasi para
ilmuwan untuk mengembangkan model komunikasi modern. Contohnya di Indonesia
ketika tim sukses dari pasangan capres dan cawapres mengkampanyekan calon serta
visi dan misinya sebagai pemimpin kepada rakyat. Semua itu merupakan bentuk
retorika dalam dunia politik.<br />
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-indent: 36.0pt; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo3; mso-outline-level: 3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<b><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;">2<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Model <a href="http://id.wikipedia.org/wiki/Harold_Lasswell" title="Harold Lasswell"><span style="color: #1d1b11; mso-themecolor: background2; mso-themeshade: 26;">Harold
Lasswell</span></a></span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Model komunikasi Lasswell berupa ungkapan verbal,
yaitu :</span></div>
<ol start="1" style="margin-top: 0cm;" type="1">
<li class="MsoNormal" style="color: #1d1b11; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-list: l1 level1 lfo1; mso-themecolor: background2; mso-themeshade: 26; tab-stops: list 36.0pt; text-align: justify; text-justify: inter-ideograph;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Who (siapa)</span></li>
<li class="MsoNormal" style="color: #1d1b11; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-list: l1 level1 lfo1; mso-themecolor: background2; mso-themeshade: 26; tab-stops: list 36.0pt; text-align: justify; text-justify: inter-ideograph;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Say what (mengatakan apa)</span></li>
<li class="MsoNormal" style="color: #1d1b11; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-list: l1 level1 lfo1; mso-themecolor: background2; mso-themeshade: 26; tab-stops: list 36.0pt; text-align: justify; text-justify: inter-ideograph;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">In which channels (melalui saluran apa)</span></li>
<li class="MsoNormal" style="color: #1d1b11; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-list: l1 level1 lfo1; mso-themecolor: background2; mso-themeshade: 26; tab-stops: list 36.0pt; text-align: justify; text-justify: inter-ideograph;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">To whom (kepada siapa)</span></li>
<li class="MsoNormal" style="color: #1d1b11; line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-list: l1 level1 lfo1; mso-themecolor: background2; mso-themeshade: 26; tab-stops: list 36.0pt; text-align: justify; text-justify: inter-ideograph;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">With what effect (dengan akibat apa)</span></li>
</ol>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Lasswell mengemukakan tiga fungsi komunikasi,
yaitu : pertama, pengawasan lingkungan. Kedua, korelasi berbagai bagian
terpisah dalam masyarakat yang merespon lingkungan. Ketiga, transimi warisan
sosial dari suatu generasi ke generasi berikutnya. Lasswell berpendapat bahwa
terdapat tiga kelompok spesialis yang bertanggung jawab melaksanakan
fungsi-fungsi ini. Misalnya pemimpin politik dan diplomat termasuk kedalam
kelompok pengawas lingkungan. Lasswell memandang bahwa suatu proses komunikasi
selalu mempunyai efek atau pengaruh. Sehingga, model Lasswell ini menstimuli riset
komunikasi di bidang komunikasi politik. Model ini menunjukkan bahwa pihak
komunikator pasti mempunyai keinginan untuk mempengaruhi pihak penerima. Oleh
karena itu, komunikasi dipandang sebagai upaya persuasi. Upaya penyampaian
pesan akan menghasilkan akibat baik positif maupun negatif. Menurut Lasswell
hal ini hanya ditentukan oleh bentuk dan cara penyampaiannya. Tidak semua
komunikasi bersifat dua arah, dengan suatu aliran yang lancar dan umpan balik
yang terjadi antar pengirim dan penerima. Dalam suatu masyarakat banyak
informasi yang disaring oleh pengendali pesan, yang menerima informasi dan
menyampaikannya kepada publik dengan beberapa perubahan atau penyimpangan.
Fungsi penting komunikasi adalah menyediakan informasi mengenai negara- negara
kuat lainnya di dunia. Penting bagi suatu masyarakat untuk menemukan dan
mengendalikan faktor- faktor yang mengganggu komunikasi yang efisien. Kelemahan
dari model Lasswell ini adalah tidak menggambarkan unsur feedback atau umpan
balik sehingga proses komunikasi yang dijelaskan bersifat linier atau searah.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo3; mso-outline-level: 3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<b><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;">3<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Model Gudykunst dan Kim</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Model ini sebenarnya merupakan model komunikasi
antarbudaya, yakni komunikasi antara orang-orang yang berasal dari budaya
berlainan, atau komunikasi dengan orang asing. Meskipun model ini juga tetap
berlaku pada setiap orang, karena pada dasarnya tidak ada dua orang yang
mempunyai latar budaya, sosiobudaya, dan psikobudaya yang persis sama. Asumsi
dari model ini adalah dua orang sejajar dalam berkomunikasi masing-masing dari
mereka berperan sebagai pengirim sekaligus sebagai penerima atau keduanya
sebagai penyandian (encoding) dan penyandian balik (decoding). Oleh karena itu
kita dapat melihat bahwa pesan dari seseorang merupakan umpan balik untuk yang
lainnya. Faktor- faktor tersebut adalah filter yang membatasi prediksi yang
kita buat mengenai bagaimana orang lain mungkin menanggapi perilaku komunikasi
kita, sehingga mempengaruhi cara kita menyandi pesan. Filter ini membatasi
rangsangan apa yang kia perhatikan dan bagaimana kita menafsirkan rangsangan
tersebut. Faktor budaya menjelaskan kemiripan dan perbedaan budaya, agama,
bahasa, individualitas, kolektivitas, yang mempengaruhi nilai dan norma dalam
berkomunikasi. Pengaruh sosio budaya menyangkut proses penataan sosial, yaitu
keanggotaan dalam kelompok, konsep diri, peran, dan definisi kita tentang
hubungan antar pribadi. Faktor psikobudaya menyangkut tentang penataan pribadi
seperti stereotip dan sikap terhadap kelompok orang lain. Lingkungan
berpengaruh, dilihat dari segi lokasi geografis, iklim, situasi, arsitektural,
dan persepsi kita atas lingkungan tersebut. Pengaruh-pengaruh budaya,
sosiobudaya, dan psikobudaya berfungsi sebagai filter konseptual untuk
menyampaikan maupun meyandi balik pesan. Pengaruh budaya dalam model ini meliputi
faktor-faktor yang yang menjelaskan kemiripan dan perbedaan budaya, misalnya
pandangan dunia (agama), bahasa, sikap terhadap manusia, dsb. Faktor-faktor
tersebut mempengaruhi nilai, norma, dan aturan dalam perilaku komunikasi kita.
Salah satu unsur yang melengkapi model Gudykunst dan Kim adalah lingkungan.
Lingkungan mempengaruhi kita dalam menyandi balik pesan. Oleh karena itu,
antara dua orang komunikator mungkin mempunyai persepsi dan orientasi yang
berbeda terhadap lingkungan, mereka mungkin menafsirkan perilaku dengan cara
yang berbeda dalam situasi yang sama.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoListParagraph" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo3; mso-outline-level: 3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<b><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"><span style="mso-list: Ignore;">4<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Model Interaksional</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;">Model ini memiliki karakter yang kualitatif,
nonsistemik, dan nonlinier. Komunikasi digambarkan sebagai pembentukan makna
(penafsiran atas pesan atau perilaku orang lain) oleh para peserta komunikasi.
Beberapa konsep penting yang digunakan adalah diri (self), diri yang lain
(other), simbol, makna, penafsiran, dan tindakan. Menurut model interaksi
simbolik, orang-orang sebagai peserta komunikasi bersifat aktif, reflektif dan
kreatif, dan menampilkan perilaku yang sulit diramalkan. Paham ini menolak
gagasan bahwa individu adalah organisme pasif, dalam konteks ini Blumer
mengemukakan tiga premis yang menjadi dasar model Interaksional.
Pertama,manusia bertindak mengenai makna yang diberikan individu terhadap
lingkungan sosialnya. Kedua, makna berhubungan langsung dengan interaksi sosial
yang dilakukan individu dengan lingkungan sosialnya. Ketiga, makna diciptakan,
dipertahankan, dan diubah melalui proses penafsiran dilakukan individu dalam
berhubungan dengan lingkungan sosialnya.Model interaksional menganggap manusia
jauh lebih aktif dalam proses komunikasi. Konsep penting yang digunakan adalah
diri, diri yang lain, symbol, makna, penafsiran, dan tindakan. Menurut model
interaksional orang mengembangkan potensi manusiawinya melalui interkasi
social, melalui pengambilan peran orang lain (role- taking). Diri berkembang
melalui interaksi dengan orang lain, kelurga, tahap permainan, hingga
lingkungan luas dalam suatu tahahp yang disebut tahap pertandingan (game
stage). Dimana individu selalu melihat dirinya melalui perspektif (peran orang
lain), sehingga konsep diri tumbuh berdasarkan bagaimana orang lain memandang
diri individu tersebut. Model Interaksional menempatkan diri komunikator dalam
posisi sejajar dengan komunitator lain sehingga terjadi interplay yang
demokratis dalam kuadran komunikasi saling memberi dan menerima. Komunikator
biasanya tidak enggan untuk bertemu banyak orang, mendengar dan membangun
kerjasama dengan berbagai pihak, termasuk dengan orang atau kekuatan politik
yang pernah berseberangan dengannya.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="color: #1d1b11; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-themecolor: background2; mso-themeshade: 26;"> http://id.wikipedia.org/wiki/Komunikasi_politik</span></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-48596365039585325822014-06-09T05:24:00.001-07:002014-06-09T05:24:41.087-07:00etika saat berkomunikasi ditelepon<div style="text-align: justify;">
<br /></div>
<div style="text-align: center;">
<span style="font-family: Arial,Helvetica,sans-serif;"><b>ETIKA BERTELEPON</b> </span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"> Dalam beberapa kasus, komunikasi telepon sering dipilih karena
dianggap memudahkan bisnis. Namun demikian, meskipun kedua pihak setuju,
ada beberapa yang harus diperhatikan sebagai bentuk etika dalam
berkomunikasi lewat telepon untuk berbisnis.</span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;">
</span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;">1. Sebelum Anda menelepon, pastikan bahwa Anda telah menyiapkan
materi apa saja yang akan disampaikan. Jangan sampai kurangnya persiapan
akan membuat rekan bisnis Anda menganggap hal tersebut main-main.
Siapkan beberapa poin yang Anda tulis di kertas. Hal tersebut akan
membantu Anda menyampaikan hal-hal yang penting lebih mudah.</span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;">
</span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;">2. Sebaiknya gunakan nama depan Anda saat memperkenalkan diri.
Sampaikan dengan jelas nama, jabatan, hingga perusahaan yang Anda
wakilkan. Hal ini dilakukan sebagai bentuk lain dari salam pembuka yang
ramah dan hangat.</span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;">
</span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;">3. Jika rekan bisnis Anda menghubungi Anda lebih dahulu, pastikan
Anda tidak membiarkannya untuk menunggu lama. Jika Anda sedang sibuk,
angkat telepon, kemudian sampaikan dengan sopan bahwa Anda akan kembali
menghubunginya beberapa saat lagi.</span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;">
</span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;">4. Dengarkan dengan seksama dan penuh perhatian mengenai hal-hal yang
disampaikan rekan bisnis Anda. Hindari memotong pembicaraan.</span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;">
</span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;">5. Pastikan Anda tidak membuat perbincangan di luar konteks bisnis.
Lakukan secara profesional, hindari perbincangan yang tidak masuk ke
dalam urusan bisnis.</span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;">
</span></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;">6. Jika perbincangan di telepon sudah selesai, segera tindak lanjuti
telepon dari klien atau pelanggan. Ini penting untuk meningkatkan
kepercayaan dari mereka sekaligus menunjukan bentuk pelayanan terbaik
dari Anda. (as/metrotvnews)</span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;">http://www.ciputraentrepreneurship.com </span></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-13891818884771751982014-06-04T00:35:00.002-07:002014-06-04T00:35:28.039-07:00wawancara kerja<div class="entry post clearfix">
<h1 class="title">
10 Hal yang Dapat Membuat Wawancara Kerja Anda Gagal</h1>
<blockquote class="tr_bq">
<blockquote class="tr_bq">
<blockquote class="tr_bq">
<span style="font-family: Verdana,sans-serif;"><span style="font-size: small;"><span style="color: #444444;">Kesuksesan mendapatkan panggilan wawancara kerja setelah bekerja
keras melamar berbagai lowongan mungkin membuat Anda merasa sangat
bahagia hingga ingin melompat. Namun belajar untuk dapat berhasil pada
sesi wawancara kerja membutuhkan waktu yang tidak sebentar serta latihan
yang tidak sedikit. Sangat mudah untuk terjebak dengan pertanyaan yang
dilontarkan HRD hingga Anda terlihat bingung untuk menjawabnya. Ketika
Anda tidak dapat menebak pertanyaan apa yang akan dilontarkan HRD,
berikut adalah beberapa hal yang disarankan tidak Anda lakukan yang
dapat menghancurkan kesempatan Anda untuk mendapatkan pekerjaan yang
diinginkan.</span></span></span><br />
<span style="font-family: Verdana,sans-serif;"><span style="font-size: small;"><span style="color: #444444;">
</span></span></span><ol>
<li><span style="font-family: Verdana,sans-serif;"><span style="font-size: small;"><span style="color: #444444;"><strong>Berpakaian tidak sopan</strong>.Saat ini nampaknya masih
saja ada beberapa orang yang memakai celana jeans atau celana pendek
pada saat wawancara kerja. Walaupun Anda melamar ke perusahaan yang
industrinya terlihat santai Anda seharusnya masih menggunakan pakaian
yang formal. Berpakaian terlalu santai akan membuat Anda terlihat tidak
serius untuk melamar lowongan yang tersedia.</span></span></span></li>
<li><span style="font-family: Verdana,sans-serif;"><span style="font-size: small;"><span style="color: #444444;"><strong>Bersikap seenaknya</strong>. Percaya atau tidak, beberapa
orang masih menerima telepon pada saat wawancara kerja. Perlu Anda
ketahui bahwa hal ini tidak akan membuat Anda terlihat baik di hadapan
HRD.</span></span></span></li>
<li><span style="font-family: Verdana,sans-serif;"><span style="font-size: small;"><span style="color: #444444;"><strong>Menceritakan keburukan atasan atau perusahaan terdahulu</strong>.
Pernah mendengar pepatah ”Dunia selebar Daun Kelor”, banyak orang yang
bekerja di berbagai industri dan mengenal banyak orang. Anda tidak akan
pernah tahu jika mantan atasan mengenal seseorang di tempat Anda
melamar. Jika Anda lakukan hal ini maka akan muncul kekhawatiran dari
HRD bahwa Anda akan membicarakan keburukan mereka di masa yang akan
datang dan ternyata Anda bukan pemain tim yang baik.</span></span></span></li>
<li><span style="font-family: Verdana,sans-serif;"><span style="font-size: small;"><span style="color: #444444;"><strong>Menunjukkan Bahasa tubuh yang mengganggu</strong>. Lakukan
latihan bahasa tubuh yang baik dengan teman Anda sebelum melakukan
wawancara kerja. Duduk bersandar dapat membuat Anda terlihat malas
sementara duduk terlalu maju membuat Anda terlihat agresif. Cobalah
untuk duduk dengan tegak, jangan silangkan lengan Anda dan
berhati-hatilah dengan rasa gugup yang Anda miliki, jangan gigit kuku
atau memutar-mutar rambut Anda. Perhatikan setiap kata yang disampaikan
HRD hingga mereka tahu bahwa Anda tertarik dan mendengarkan, tidak ada
yang lebih buruk dari mendapatkan penolakan dikarenakan Anda terlihat
tidak tertarik dengan lowongan yang dibuka.</span></span></span></li>
<li><span style="font-family: Verdana,sans-serif;"><span style="font-size: small;"><span style="color: #444444;"><strong>Mengeluh</strong>. Walaupun Anda harus menghadapi kemacetan
ataupun cuaca buruk yang melanda, coba hindari menyampaikan keluhan
kepada HRD. Beberapa HRD mungkn tidak menganggap hal tersebut terlalu
serius akan tetapi akan menganggap hal tersebut sebagai kesan pertama
mengenai diri Anda. Jangan sampai mereka menilai Anda secara salah.</span></span></span></li>
<li><span style="font-family: Verdana,sans-serif;"><span style="font-size: small;"><span style="color: #444444;"><strong>Datang telat pada sesi wawancara kerja</strong>. Manajer HRD
dan stafnya memiliki kesibukan tinggi, jika Anda membuang waktu mereka
dikarenakan Anda telat maka Anda tidak akan meninggalkan kesan yang
baik. Banyak HRD akan menolak Anda hanya dikarenakan masalah
keterlambatan.</span></span></span></li>
<li><span style="font-family: Verdana,sans-serif;"><span style="font-size: small;"><span style="color: #444444;"><strong>Tidak mengerjakan pekerjaan rumah</strong>. Hal ini
merupakan satu dari beberapa keluhan yang disampaikan HRD. Banyak
kandidat yang tidak mengetahui informasi mengenai perusahaan yang
mengundang mereka wawancara, membuat HRD bertanya-tanya mengenai
keseriusan dari kandidat tersebut. Sebuah penelitian kecil akan sangat
membantu Anda, setidaknya pelajari situs, anggota dewan, dan laporan
tahunan perusahaan sebelum Anda datang wawancara.</span></span></span></li>
<li><span style="font-family: Verdana,sans-serif;"><span style="font-size: small;"><span style="color: #444444;"><strong>Membicarakan kehidupan pribadi Anda secara berlebihan</strong>.
Sudah seharusnya Anda menunjukkan pribadi dan memberikan informasi
detil mengenai setiap pertanyaan yang dilontarkan, akan tetapi tidak ada
yang lebih buruk dari pandangan HRD mengenai kandidat yang membicarakan
hal yang tidak perlu terlalu banyak sehingga menghalangi proses
wawancara yang berjalan. Coba untuk tidak menunjukkan informasi pribadi
terlalu banyak kecuali memang diminta oleh HRD terkait.</span></span></span></li>
<li><span style="font-family: Verdana,sans-serif;"><span style="font-size: small;"><span style="color: #444444;"><strong>Tidak menanyakan cukup pertanyaan</strong>. Jika Anda tidak
bertanya pada saat wawancara, HRD tidak akan menganggap Anda serius
melamar ke posisi yang ditawarkan. Bertanya menunjukkan Anda telah
melakukan riset mengenai perusahaan dan terkait dengan posisi yang Anda
lamar.</span></span></span></li>
<li><span style="font-family: Verdana,sans-serif;"><span style="font-size: small;"><span style="color: #444444;"><strong>Mengatakan hal yang tidak pantas</strong>. Ada banyak cara
yang membuat perkataan Anda terlihat tidak pantas di hadapan HRD tanpa
Anda sadari. Utnuk menghindari hal ini selalu perhatikan reaksi HRD jika
mereka terlihat kaget dengan perkataan Anda, sebaiknya Anda segera
berhenti dan meminta maaf serta coba untuk memperbaiki kesalahan Anda.</span></span></span></li>
</ol>
<span style="font-family: Verdana,sans-serif;"><span style="font-size: small;"><span style="color: #444444;">
</span></span></span><span style="color: #444444;"><span style="font-family: Verdana,sans-serif;"><span style="font-size: small;">Proses mencari pekerjaan saja sudah cukup sulit tanpa membuat sesi
wawancara Anda gagal. Latih kemampuan wawancara kerja Anda sebelunya dan
pastikan Anda tidak melakukan kesalahan kecil ini. Semakin siap diri
Anda maka smakin tinggi percaya diri yang Anda miliki dan Anda semakin
dekat dengan pekerjaan baru Anda</span></span>.</span></blockquote>
</blockquote>
</blockquote>
<br />
<i>http://www.jobstreet.co.id</i> <br />
</div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-29405102218063596052014-06-04T00:30:00.000-07:002014-06-04T00:30:15.762-07:00pengorganisasian pesan-pesan bisnis<!--[if gte mso 9]><xml>
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<b><span style="font-size: 12.0pt; line-height: 150%;">HAL-HAL YANG MENYEBABKAN PESAN-PESAN TAK TERORGANISASI</span></b></div>
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<span style="font-size: 12.0pt; line-height: 150%;">Dalam suatu organisasi, pesan-pesan yang disampaikan
oleh pimpinan kepada para bawahannya, kadangkala tak terorganisasi dengan baik.
Hal ini menyebabkan pesan-pesan yang disampaikan tidak mengenai sasaran, atau
hasilnya tidak sesuai<span style="mso-spacerun: yes;"> </span>dengan apa
yang<span style="mso-spacerun: yes;"> </span>dikehendaki. Mengapa hal ini bisa
terjadi? Tidak terorganisasinya komunikasi dengan baik dapat disebabkan oleh
beberapa hal sebagai berikut:</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<b><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="font-size: 12.0pt; line-height: 150%;">Bertele-tele</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%;">Seringkali
pesan pembuka pada awal sebuah surat terlalu panjang hingga mencapai beberapa
paragraf, baru kemudian masuk ke topik bahasan. Dengan kata lain, pesan-pesan
awal terlalu bertele-tele, pembaca memerlukan waktu yang cukup lama untuk memahami
maksud pesan-pesan yang disampaikan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<b><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="font-size: 12.0pt; line-height: 150%;">Memasukkan bahan-bahan yang tidak
relevan</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%;">Faktor
berikutnya adalah adanya informasi yang tidak relevan, dan tidak penting, dalam
pesan yang disampaikan kepada <i>audience. </i>Informasi yang tidak relevan,
disamping membuang-buang waktu, juga dapat membuat pesan-pesan yang disampaikan
menjadi kabur, tidak jelas dan sulit dipahami. Oleh karena itu, sebaiknya hanya
informasi yang relevan dan penting saja yang disampaikan kepada <i>audience.<span style="mso-spacerun: yes;"> </span></i></span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<b><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="font-size: 12.0pt; line-height: 150%;">Menyajikan ide-ide secara tidak logis</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%;">Penyebab
selanjutnya adalah adanya ide-ide yang tidak logis dan tidak terkait dengan
topik bahasan yang disampaikan pada <i>audience. </i>Hal ini menyebabkan
ketidaklancaran komunikasi. Karena audience akan sulit memahami poin-poin
penting yang disampaikan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo1; mso-text-indent-alt: -18.0pt; text-align: justify; text-indent: -36.0pt; text-justify: inter-ideograph;">
<b><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font: 7.0pt "Times New Roman";">
</span>4.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="font-size: 12.0pt; line-height: 150%;">Informasi penting kadangkala tidak
tercakup dalam pembahasan</span></b></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%;">Apabila pesan-pesan yang
tidak relevan, pesan-pesan yang tidak penting, dan pesan-pesan yang bersifat
bombastis lebih dominan, ada kecenderungan poin-poin yang penting justru
terlupakan dari topik pembahasan. Karena asyik membahas hal-hal yang hanya
bersifat pelengkap atau pendukung saja, poin-poin yang seharusnya memperoleh
porsi bahasan yang lebih besar menjadi terabaikan.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%;">Keempat masalah tersebut sering terjadi dalam
komunikasi bisnis. Oleh karena itu, hal-hal tersebut perlu memperoleh perhatian
yang seksama dari para komunikator.</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<b><span style="font-size: 12.0pt; line-height: 150%;">PENTINGNYA PENGORGANISASIAN YANG BAIK</span></b></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%;">Dengan mengatur ide-ide secara logis, berurutan, dan
tidak bertele-tele, ide yang disampaikan akan dapat memuaskan kebutuhan-kebutuhan
informasi, motivasi maupun praktis bagi para audience. Mengorganisasi
pesa-pesan secara baik adalah suatu tantangan bagi komunikator. Untuk dapat
melakukannya dengan baik, ada 4 hal yang perlu diperhatikan yaitu:</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">1)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-size: 12.0pt; line-height: 150%;">Subjek dan tujuan harus jelas</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">2)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-size: 12.0pt; line-height: 150%;">Semua informasi harus berhubungan dengan subjek dan
tujuan</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">3)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-size: 12.0pt; line-height: 150%;">Ide-ide harus dikelompokkan dan disajikan dengan cara
yang logis</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo2; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">4)<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span><span style="font-size: 12.0pt; line-height: 150%;">Semua, informasi yang penting harus sudah tercakup</span></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%;">Suatu pesan yang disusun dengan baik akan membantu
audience memahami pesan yang disampaikan, membantu audience menerima pesan,
menghemat waktu audience, dan mempermudah pekerjaan komunikator.</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<b><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="font-size: 12.0pt; line-height: 150%;">Membantu audience memahami suatu
pesan</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%;">Dengan
mengemukakan poin-poin penting penting secara jelas, menyusun ide-ide secara
logis dan runtut, dan memasukkan semua informasi yang relevan dalam pesan,
audience dengan mudah akan memahami maksud/ tujuan pesan.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<b><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="font-size: 12.0pt; line-height: 150%;">Membantu audience menerima suatu
pesan</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%;">Pengorganisasian
pesan-pesan yang baik disamping membantu audience memahami maksud pesan, juga
membantu audience untuk menerima pesan tersebut. misalnya, seorang konsumen
yang mengadukan masalah pembelian suatu produk kepada manajer toko, memperoleh
jawaban yang tidak menyenangkan atau mengecewakan. Mungkin saja surat jawaban
yang diberikan telah disusun logis sehingga dapat dipahami maksudnya, namun
tidak dapat diterima oleh konsumen karena gaya bahasa yang digunakan terlalu
menusuk pada sasaran.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<b><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="font-size: 12.0pt; line-height: 150%;">Menghemat waktu</span></b></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%;">Apabila suatu
pesan tidak terorganisir dengan baik, penyampaiannya akan menghabiskan waktu
audience. Mengapa demikian? Salah satu tujuan pengorganisasian pessa-pesan yang
baik adalah penyampaian informasi atau ide-ide yang relevan saja. Dengan hanya
menyampaikan informasi yang relevan, waktu audience akan dapat dihemat. Di
samping itu, audience dapat dengan mudah mengikuti alur pemikiran pesan yang
disampaikan, tanpa harus memeras otak dan mengerutkan dahi.</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo3; text-align: justify; text-indent: -18.0pt; text-justify: inter-ideograph;">
<b><span style="font-size: 12.0pt; line-height: 150%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";">
</span></span></span></b><span dir="LTR"></span><b><span style="font-size: 12.0pt; line-height: 150%;">Mempermudah pekerjaan komunikator</span></b></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-size: 12.0pt; line-height: 150%;">Pengorganisasian
pesan-pesan yang baik dapat membantu pekerjaan komunikator, sehingga dapat
selesai lebih cepat dan hemat waktu. Hal ini merupakan faktor yang sangat
penting dalam dunia bisnis, di mana penyelesaian pekerjaan dengan baik, cepat,
dan efisien merupakan suatu tujuan. Dengan mengetahui apa yang ingin
disampaikan, dan mengetahui cara menyampaikannya rasa percaya diri komunikator
akan meningkat. Semakin meningkat tinggi rasa percaya diri komunikator, semakin
cepat dan efisien ia menyelesaikan pekerjaan.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Blackadder ITC"; font-size: 13.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Referensi : <span style="mso-tab-count: 1;"> </span></span><span style="font-family: "Times New Roman","serif"; font-size: 13.0pt; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Djoko Purwanto, Komunikasi Bisnis, Erlangga</span></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-50435217352150404862014-06-03T05:38:00.002-07:002014-06-03T05:38:40.078-07:00melatih anak-anak berkomunikasi dengan efektif<!--[if gte mso 9]><xml>
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<br />
<h3 align="center" style="line-height: 150%; margin-top: 0cm; text-align: center;">
<span style="font-size: 14.0pt; line-height: 150%;">Melatih Anak-Anak Berkomunikasi
Dengan Efektif</span></h3>
<div class="MsoNormal">
<br /></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif";"> Setiap
orang tua pasti ingin anaknya menjadi orang yang menyenangkan dan memiliki
kepribadian yang ramah dalam hidup mereka. Komunikasi yang lebih baik dan
efektif akan membuat anak-anak manis santun, ramah, berbudaya dan
dinamis. </span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif";">Ada
anak yang merasa canggung atau malu, ketika berbicara di depan umum, karena
suasana ketidakpastian dalam mengekspresikan perasaan
mereka. Ketidakpastian yang dirasakan bisa timbul, karena sebagian besar
anak tidak mengembangkan seni komunikasi lisan pada usia dini. Oleh karena
itu, ada kebutuhan mendesak bagi kita untuk mengajar anak-anak bagaimana
berkomunikasi dengan cara yang mudah dan efektif yang pada akhirnya akan
menuntun mereka kepada keberhasilan pribadi dan profesional.</span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif";">Komunikasi
adalah proses ganda, dimana dalam berinteraksi apa yang kita bicarakan dan
ucapkan, akan memiliki pengaruh baik pada kita maupun orang yang kita ajak
bicara. Jika anak-anak berbicara sesuatu yang positif dan mendorong orang
lain, mereka akan mendapatkan sesuatu yang positif sebagai balasannya.
Ini berarti bahwa kita mendapatkan kembali apa yang kita ucapkan atau
bicarakan; kata-kata buruk, bicara yang tidak benar atau kasar akan memantul
kembali pada kita. </span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif";"> Anak
belajar berkomunikasi adalah dengan menirukan bagaimana orang lain berbicara
dan berinteraksi. Anak-anak selalu mengamati bagaimana orang tua mereka,
saudara-saudarinya, keluarga atau lingkungannya berbicara dan
berkomunikasi. Dalam banyak kasus, seni komunikasi datang secara alami
kepada anak-anak Anda dengan proses pengulangan.</span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<strong><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: major-fareast;"></span></strong></div>
<a name='more'></a><strong> </strong><br />
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<strong><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: major-fareast;"> Dengarkan Anak-Anak </span></strong></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<strong><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: major-fareast;">- </span></strong><span style="font-family: "Arial","sans-serif";">Mendengarkan adalah bagian penting dalam berkomunikasi.
Sementara anak-anak memiliki masalah dan kekhawatiran mereka sendiri.
Jika mereka juga memiliki kebiasaan menceritakan tanpa henti masalah mereka,
maka sangat penting untuk mendengarkan mereka, sehingga mereka akan didorong
untuk membuka pikiran mereka. Anak-anak akan memiliki banyak hal yang
perlu dibicarakan dan mereka membutuhkan seseorang yang dapat mendengarkan
pikiran mereka dan memecahkan masalah mereka. </span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif";">Banyak
orangtua hanya gagal untuk mendengarkan anak-anaknya. Sebaliknya, mereka malah
mencoba mengendalikan anak-anak dengan memberitahu mereka apa yang harus mereka
lakukan. Padahal dengan mendengarkan mereka secara aktif dan terus
menerus justru akan membantu meningkatkan hubungan orang tua dengan anak-anak,
dan orang tua pun juga bisa banyak belajar melalui mereka dan memahami
mereka. Orang tua justru perlu untuk mendorong anak untuk berbicara dan
mengekspresikan pendapat mereka. Biarkan mereka mengetahui pentingnya
mendengarkan orang lain terlebih dahulu sebelum berbicara dengan mereka.</span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif";">Dalam
mengajarkan seni komunikasi yang efektif kepada anak, dapat dilakukan dengan
jenis kegiatan apapun asalkan kegiatan tersebut mendorong anak-anak untuk
berbicara dan mendengarkan. Selain itu anak-anak juga dapat terdorong
untuk berbicara dengan orang lain. Kegiatan itu bisa berupa cerita/story
telling, menelpon seseorang, meminta menceritakan kembali dengan kata-katanya
sendiri, dan lain sebagainya.</span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif";">Dalam
kegiatan tersebut, orang tua dapat mengajarkan anak bagaimana komunikasi aktif
dan bermakna terjadi antara dua orang, dasar-dasar berkomunikasi serta melatih
bagaimana bersikap sopan pada waktu berbicara dengan orang lain. </span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<strong><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: major-fareast;">Gunakan Kata-Kata Positif dan Mendorong – Dengan perhatian
positif dari orang tuanya, </span></strong></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<strong><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: major-fareast;">a</span></strong><span style="font-family: "Arial","sans-serif";">nak-anak
selalu melakukan sesuatu dengan baik. Anak-anak menginginkan cinta dan
kasih sayang tak terbatas dari orang tuanya. Oleh karena itu orang tua
seharusnya menghindari menggunakan kata-kata negatif yang akan membuat mereka
pun jadi berpikiran negatif. Sebaliknya, jika anak-anak melakukan sesuatu
yang baik, orang tua harus melengkapi mereka dengan kata-kata yang baik
pula. </span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif";">Pada
point ini tidaklah mudah, orang tua pun memerlukan latihan. Bagian terpenting
dari latihan tersebut adalah untuk membiarkan anak-anak Anda tahu bahwa memuji
atau mengucapkan kata-kata yang baik selalu lebih baik bagi
mereka. Anak-anak pun pada akhirnya dapat memahami bahwa mengucapkan
kata-kata yang baik kepada orang lain akan menciptakan hubungan yang harmonis
pribadi. Beberapa kata pujian atau kata positif yang bisa diterapkan
antara lain: <em><span style="font-family: "Arial","sans-serif";">Bagus, Hebat,
Menakjubkan, Aku sangat bangga padamu, Aku senang kamu melakukannya, Itu
benar-benar baik, Itu ide bagus, Kau jenius, Aku sayang padamu dan kata baik
lainnya.</span></em></span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<strong><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: major-fareast;">Pentingnya Komunikasi Keterampilan</span></strong><span style="font-family: "Arial","sans-serif";"> </span><strong><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: major-fareast;"> Non-Verbal </span></strong></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<strong><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: major-fareast;"> </span></strong><span style="font-family: "Arial","sans-serif";">- keterampilan non-verbal adalah sama
pentingnya dengan kemampuan verbal, karena orang selalu menggunakan ekspresi
non-verbal untuk menyampaikan ide-ide mereka dan ekspresi. Bahasa tubuh
bisa membantu orang dalam percakapan tanpa kata-kata dengan orang lain.
Percakapan tersebut dapat terjadi diantara dua orang yang berbeda budaya atau
bahasa. Oleh sebab itu anak perlu untuk mempelajari arti ekspresi wajah,
gerakan tubuh mulai dari kepala, mata, tangan dan lain sebagainya.</span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<strong><span style="font-family: "Arial","sans-serif"; mso-fareast-font-family: SimSun; mso-fareast-theme-font: major-fareast;">Mendorong Anak Berpidato</span></strong><span style="font-family: "Arial","sans-serif";"> </span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif";"> - Kelas di sekolah bukan tempat yang tepat untuk
belajar bagaimana berbicara, karena merupakan lingkungan yang terkendali,
dimana guru yang banyak berbicara. Umumnya anak-anak menjadi pendengar
pasif di kelas. Sementara itu, rumah bisa menjadi tempat di mana anak-anak
dapat belajar bagaimana berbicara. Doronglah anak agar bebas berbicara
dengan membiarkan mereka mengeluarkan pendapat mereka. </span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Arial","sans-serif";">Seringkali
anak-anak merasa malu dan menarik diri, ketika berbicara dengan guru dan
teman-teman. Kadang-kadang, mereka bahkan mengalami masalah harga
diri. Orang tua perlu mendorong anak-anak mereka untuk meruntuhkan
hambatan tersebut. Orang tua juga harus memainkan peran aktif untuk
membantu anak-anak mereka belajar dan menguasai seni komunikasi yang efektif.</span></div>
<div class="text" style="line-height: 150%; margin-bottom: .0001pt; margin: 0cm; text-align: justify; text-justify: inter-ideograph;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
http://anakbersinar.com/news/detail/id/131/Melatih-Anak-Anak-Berkomunikasi-Dengan-Efektif.html</div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-61304659811056600152014-06-03T05:34:00.001-07:002014-06-03T05:34:37.145-07:00komunikasi bisnis<div style="text-align: justify;">
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<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><b><span style="font-size: 24pt;">Komunikasi (yang sulit)
Antara Bawahan dan Atasan</span></b></span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><b><span style="font-size: 12pt;">Jakarta,
AnggaBratadharma (12/5)</span></b><span style="font-size: 12pt;"> - Komunikasi pada hakikatnya merupakan salah satu bidang studi yang
mungkin diantara lain diminati oleh para pelajar diberbagai belahan dunia.
Komunikasi memiliki peranan penting dalam sebuah kehidupan. Dengan komunikasi,
seseorang memperoleh apa yang diinginkan, terbatas pada apa yang diusahakan dan
apa yang dikatakan pada seseorang atau kelompok orang.</span></span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: 12pt;">Manusia
yang mampu memerankan perananya dengan baik terkadang tidaklah cukup bila
ditempatkan pada posisi dalam sebuah kehidupan. Kemampuan yang dimiliki seseorang
tidak akan mampu tersalurkan dengan baik dan dipersepsikan secara baik oleh si
penerima pesan dari seseorang yang tidak pandai dalam berkomunikasi itu.</span></span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: 12pt;">Elemen-elemen
yang penting dalam komunikasi itu sendiri perlu diketahui dengan baik, sehingga
pesan yang bermakna mendalam atau secara permukaan dapat terjadi dan bisa
diterima dengan baik. Elemen komunikasi itu sendiri, yakni Komunikator (pemberi
pesan) - Pesan - Media - Komunikan (penerima pesan) - feedback. Elemen ini
terkadang berubah seiring kondisi yang berbeda yang dialami oleh seseorang.</span></span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: 12pt;">Pada
dasarnya seorang komunikasi itu harus bisa mengetahui dan menyadari betul
elemen-elemen komunikasi, sebelum nantinya masuk lebih dalam tentang apa itu
komunikasi antar pribadi, komunikasi kelompok, komunikasi massa, komunikasi
bisnis, komunikasi antar budaya, komunikasi politik, komunikasi organisasi, dan
komunikasi-komunikasi lainnya. Bila dasar sudah diketahui, maka akan lebih
mudah diketahui kepentingan dari sang pemberi pesan itu.</span></span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: 12pt;">Berbicara
tentang komunikasi, salah satu sisi kehidupan yang perlu dimengerti betul ialah
bentuk komunikasi seorang pemimpin terhadap karyawan atau seorang leader kepada
sekelompok bawahannya. Hal ini penting dan sangat krusial karena sebab-sebab
yang cukup banyak dan utamanya berdampak kepada kinerja dari perusahaan itu
sendiri. Namun, sayangnya banyak sekali para pemimpin yang tidak pandai
berkomunikasi dengan bawahannya. termasuk di dalamnya berupa komunikasi
organisasi dan komunikasi politik.</span></span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: 12pt;">Tidak
pandainya seorang pemimpin dalam membawa diri, dan tidak pandainya dalam
berkomunikasi biasanya mengantarkan pemimpin pada titik terbawah, yakni hanya
mengetahui sebuah perkembangan dipermukaan tanpa mengetahui secara mendalam psikologi
dan psikologi komunikasi seseorang yang bekerja di perusahaan sama atau menjadi
bawahanya.</span></span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: 12pt;">Pada
akhirnya, banyak kebijakan yang tercipta adalah kebijakan-kebijakan tidak
populis atau kebijakan yang tidak menyentuh ranah sanubari para karyawan.
Biasanya dalam konteksi ini pemimpin cenderung menjadi buah bibir yang negatif
dan memunculkan stereotype berlebihan dari karyawan kepada pemimpin itu atau
dipukul rata kepada manajemen perusahaan.</span></span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><span style="font-size: 12pt;">Secara
akademisi, komunikasi antar atasan dan bawahan akan lebih mudah ketimbang
komunikasi antar bawahan kepada atasan. Alasanya sangat banyak dan tergantung
darimana konidisi perusahaan itu sendiri. Karena itu, pemimpin yang baik
idealnya ialah pemimpin yang mengerti betul siapa bawahannya. Bahkan, pemimpin
yang pandai ialah pemimpin yang mampu berkomunikasi dan mengkomunikasikan
keinginan bawahanya melalui kebijakan-kebijakan yang menyentuh perbaikan dan
motivasi serta kedisiplinan yang mengatur bawahan itu sendiri.</span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial,Helvetica,sans-serif;"><a href="http://edukasi.kompasiana.com/2013/05/12/komunikasi-yang-sulit-antara-bawahan-dan-atasan-559346.html">http://edukasi.kompasiana.com/2013/05/12/komunikasi-yang-sulit-antara-bawahan-dan-atasan-559346.html</a></span></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-8021602929423045522014-06-03T05:31:00.002-07:002014-06-03T05:31:46.671-07:00komunikasi bisnis<div style="text-align: justify;">
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<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: center;">
<span style="font-family: Georgia,"Times New Roman",serif;"><span style="font-size: small;"><b>9 CARA MEMENANGKAN HATI BOS ANDA</b></span></span></div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; text-align: justify;">
<span style="font-family: Georgia,"Times New Roman",serif;"><span style="font-size: small;">Al
Coleman, Jr, penulis Secrets to Success: The Definitive Career
Development Guide for New and First Generation Professionals, serta Anita
Attridge, pelatih eksekutif dan karir di Five O'Clock Club, berbagi tips yang
bisa membuat bos terkesan pada Anda dan memenangkan persetujuannya, seperti
yang lansir di <i>forbes.com</i>, Sabtu (9/3/2013) berikut.<br />
<br />
<b>1. Apa pekerjaan Anda? Lakukan itu dengan baik</b><br />
<br />
Kelihatannya ini mudah, toh begitu banyak karyawan yang gagal menyelesaikan
tugas-tugas dasar mereka. Jika Anda membuat usaha rajin dan melakukan pekerjaan
dengan baik, bos akan terkesan pada Anda.<br />
<br />
"Semua berawal dari sini. Jika Anda tidak melakukannya, pekerjaan lebih
besar akan terasa sulit. Dan ketika itu akan sulit memenangkan hati bos Anda,
bahkan jika Anda telah mengikuti saran yang tersisa. Karyawan yang melakukan
tugas dengan baik, konsisten, efisien, dan profesional, akan lebih leluasa
mengelola pekerjaan mereka sendiri. Manajer dapat fokus ke isu-isu penting
dalam organisasi. Semakin sedikit fokus yang diberikan manajer pada Anda,
artinya dia bisa semakin fokus pada tujuan yang lebih besar," kata
Coleman.<br />
<br />
<b>2. Benar-benar mengenal atasan Anda</b><br />
<br />
Attridge mengatakan ketika pertama kali bekerja dengan bos Anda, hal yang harus
dilakukan adalah melakukan percakapan tentang bagaimana cara berkomunikasi yang
dia suka, apakah langsung, telepon, SMS, email. Cari tahu juga seberapa sering
dia ingin <i>update</i> status dari Anda. Komunikasi sangat penting untuk
membangun hubungan yang kuat dengan atasan Anda.<br />
<br />
<b>3. Membantu dan mendukung tujuan profesional bos Anda</b><br />
<br />
Sebenarnya, tanggungjawab utama karyawan adalah membuat beban bos jadi lebih
ringan. Seperti Anda, bos juga punya tujuan profesional yang sedang ia coba
selesaikan.<br />
<br />
"Cari tahu apa yang ada di pikiran bos Anda, dan lihat bagaimana Anda bisa
membantu meringankan bebannya," kata Coleman.<br />
<br />
<b>4. Setia kepada atasan Anda</b><br />
<br />
Selalu menjadi karyawan yang berdedikasi dan jujur. "Jangan bicara tentang
bos Anda kepada rekan-rekan di kantor, dan jangan pergi menghindar ketika Anda
punya masalah," kata Attridge.<br />
<br />
Jika ada masalah, duduk, dan bicarakanlah dengan atasan Anda. Jadilah karyawan
yang hormat dan setia. Kurangnya kepercayaan dapat merusak hubungan dan karir
Anda.<br />
<br />
<b>5. Buatlah prioritas Anda dan bos Anda <br />
<br />
</b>Attridge memastikan sekali lagi tugas utama karyawan adalah mendukung apa
yang menjadi prioritas bos mereka.<br />
<br />
"Ingatlah bahwa prioritas bos Anda itu sebenarnya adalah upaya tim, dengan
atasan Anda sebagai pemimpinnya. Jika Anda merasa itu bukan menjadi prioritas,
maka pikirkan lagi. Komunikasikan dengan atasan Anda agar tujuan dan prioritas
kalian menjadi sinkron," katanya.<br />
<br />
<b>6. Mengambil inisiatif dengan proyek-proyek dan tugas</b><br />
<br />
<br />
Jadilah relawan untuk mengambil proyek baru, tapi jangan sampai hal tersebut
membebani Anda.<br />
<br />
Satu hal yang benar-benar akan mengesankan bos Anda: "Cobalah untuk
memikirkan proyek berharga atau tugas yang bisa Anda mulai dan rampungkan tanpa
banyak pengawasan dari atasan Anda," kata Coleman.<br />
<br />
<b>7. Mencari solusi untuk masalah</b><br />
<br />
Jangan bergantung pada atasan Anda untuk memperbaiki segalanya. Sebaliknya
singsingkan lengan baju Anda dan cobalah untuk mengatasi masalah
tersebut. Dan jangan mengeluh ketika masalah datang.<br />
<br />
"Tidak ada yang suka orang yang negatif," kata Coleman.<br />
<br />
Mengeluh dapat mengurangi semangat dan menghambat produktivitas. Jadi, ketika
kesulitan datang cobalah untuk tidak mengeluh, dan carilah cara untuk
memecahkan masalah.<br />
<br />
<b>8. Tunjukkan minat dalam kegiatan yang menjadi passion bos Anda</b><br />
<br />
Jangan takut untuk memasuki kehidupan pribadi bos Anda, dalam batas yang wajar.
Cari tahu apa yang menjadi kesenangan bos di luar pekerjaannya. Ambillah minat
dalam kegiatan ini. Pertimbangkan untuk membaca buku yang sama dengannya.
Bahaslah poin penting dalam referensi yang sama.<br />
<br />
"Dia akan menghargai usaha Anda untuk berbagi sesuatu yang menyenangkan,
dan Anda mungkin mendapatkan kesempatan berharga untuk menampilkan keterampilan
dan kompetensi," kata Coleman.<br />
<br />
<b>9. Menunjukkan minat jangka panjang dalam organisasi Anda</b><br />
<br />
"Meskipun karyawan muda, lebih sering jadi kutu loncat, tidak ada salahnya
Anda berfikir dan bertindak demi kepentingan jangka panjang perusahaan,"
kata Coleman.<br />
<br />
Pelajari tentang pelanggan utama dan produk Anda, dan cari tahu bagaimana untuk
peningkatan pertumbuhan. Ada baiknya juga tanyakan pada atasan, akan dibawa
kearah mana perusahaan ini. Dengan begitu Anda dapat menyelaraskan kepentingan
pribadi dengan tujuan profesional perusahaan.<br />
<br />
"Seiring waktu Anda akan berkembang menjadi karyawan dihargai, dan
mudah-mudahan Anda akan mengakui atasan Anda sebagai pendukung kunci dalam
pertumbuhan dan perkembangan Anda - yang akhirnya menunjukkan kepada orang lain
dalam organisasi Anda bahwa bos Anda adalah pengembang besar bakat," imbuh
Coleman. </span></span></div>
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<span style="font-family: Georgia,"Times New Roman",serif;"><span style="font-size: small;">http://bisnis.liputan6.com</span></span></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-57601206234146074242014-04-18T06:48:00.001-07:002014-04-18T06:49:59.644-07:00daftar riwayat hidup<!--[if gte mso 9]><xml>
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<b>DAFTAR RIWAYAT
HIDUP</b></div>
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<br /></div>
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DATA PRIBADI</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
Nama Lengkap<span style="mso-tab-count: 2;"> </span>:
Nurlia</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
Tempat Tanggal Lahir<span style="mso-tab-count: 1;"> </span>: Bekasi,
28 September 1991</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
Domisilli<span style="mso-tab-count: 2;"> </span>:
Bekasi</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
Jenis Kelamin<span style="mso-tab-count: 2;"> </span>: Perempuan</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
Agama<span style="mso-tab-count: 3;"> </span>:
Islam</div>
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Status<span style="mso-tab-count: 3;"> </span>:
Belum Menikah</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
Tinggi<span style="mso-tab-count: 3;"> </span>:
152 cm</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
Telepon<span style="mso-tab-count: 2;"> </span>:
083844675873</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
E-mail<span style="mso-tab-count: 3;"> </span>:
nurlia109@yahoo.com</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
PENDIDIKAN</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
A. Formal</div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo1; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>SDN BJRL X</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo1; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>SMPN 16 BEKASI</div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l3 level1 lfo1; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>SMK ABDI NEGARA</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
B. Non Formal</div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo2; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Kursus komputer di ILC
bersertifikat</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo2; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Kursus bahasa inggris di
PEC bersertifikat</div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l2 level1 lfo2; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Kursus perpajakan brevet A
& B bersertifikat</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
KEMAMPUAN</div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo3; text-indent: -18.0pt;">
<span style="font-family: Symbol; 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 dir="LTR"></span>Menguasai Komputer ( Ms.Office,
Power Point, Excel )</div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo3; text-indent: -18.0pt;">
<span style="font-family: Symbol; 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 dir="LTR"></span>Menguasai bahasa inggris</div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
PENGALAMAN KERJA</div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l1 level1 lfo4; text-indent: -18.0pt;">
<span style="font-family: Symbol; 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 dir="LTR"></span>PT. TRANSMEDIA</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto;">
Masa jabatan 2010 – 2012</div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto;">
Posisi : Staff Administrasi</div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-25843133024388522362014-04-14T06:46:00.000-07:002014-04-14T06:46:24.252-07:00komunikasi efektif di tempat kerja<!--[if !mso]>
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<b><span style="font-family: "Times New Roman","serif"; font-size: 24.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-font-kerning: 18.0pt;">Komunikasi Efektif di
Tempat Kerja</span></b></div>
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<br /></div>
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<a href="http://www.marketing.co.id/blog/2012/11/07/komunikasi-efektif-di-tempat-kerja/komunikasi-di-kantor/"><b><span style="color: blue; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN; mso-no-proof: yes; text-decoration: none; text-underline: none;"><span style="mso-ignore: vglayout;"><br /></span></span></b></a><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"></span></b></div>
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"></span></b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Komunikasi merupakan proses dua arah. Di mana sebuah komunikasi akan sukses
bila penerima pesan memahami apa yang dimaksudkan oleh pengirim.</span>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Demi kelancaran fungsi dan
efisien dari sebuah organisasi, komunikasi yang efektif di tempat kerja
sangatlah penting. Untuk itu, seorang manajer harus memiliki komunikasi yang
baik dengan bawahannya.</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"; mso-fareast-language: ZH-CN;">Dalam proses komunikasi, umpan
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untuk mengevaluasi efektivitas pesan. Memberikan kesempatan kepada bawahan
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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"; mso-fareast-language: ZH-CN;">Sebagai contoh, setelah
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<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Komunikasi ke bawah juga sama
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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"; mso-fareast-language: ZH-CN;">Demikian
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sangat penting. Adalah penting ketika orang bekerja di tingkat yang sama harus
memiliki komunikasi yang efektif di antara mereka sehingga ada koordinasi di
antara mereka.</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"; mso-fareast-language: ZH-CN;">Komunikasi di tempat kerja harus
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">http://www.marketing.co.id/komunikasi-efektif-di-tempat-kerja/</span></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-10508473528585029912014-04-14T06:43:00.003-07:002014-04-14T06:43:31.163-07:00meningkatkan keterampilan komunikasi<!--[if gte mso 9]><xml>
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<b>CARA MENINGKATKAN KETERAMPILAN
KOMUNIKASI</b></div>
<div align="center" class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: center;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-indent: 36.0pt;">
Komunikasi merupakan suatu keterkaitan antara
individu-individu dengan organisasi. Kemampuan untuk memahami apa yang sedang
terjadi sangat tergantung pada kepekaan seseorang sebagai komunikator. Bila
dinamika komunikasi telah diketahui, apa yang sedang terjadi dalam suatu
organisasi dapat terbaca dengan akurat. Jaringan komunikasi yang jelas juga
memungkinkan tersampaikannya pesan-pesan dengan baik.</div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
Di samping itu, keterampilan komunikasi, kemampuan membaca, menulis,
mendengar, dan berbicara, sangat penting dan harus dimiliki oleh para pimpinan
perusahaan, karena merupakan faktor yang sangat mempengaruhi keberhasilan dalam
dunia bisnis.</div>
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<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm;">
Seorang sekertaris, pelatih manajemen, akuntan, analis keuangan, pialang,
peneliti atau spesialis sumber daya manusia, membutuhkan kemampuan
berkomunikasi dengan orang lain secara efektif dan efisien. Namun demikian,
beberapa jenis pekerjaan memerlukan keterampilan komunikasi yang lebih besar
daripada yang lain. Sebagai contoh, seorang salesman atau seorang spesialis
hubungan masyarakat memerlukan keterampilan komunikasi yang lebih besar
dibanding seorang peneliti di laboratorium.</div>
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<br /></div>
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Beberapa keterampilan khusus yang diperlukan dalam komunikasi bisnis
adalah :</div>
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<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">a.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Membaca</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">b.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Mendengarkan</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">c.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Membuat atau melakukan
percakapan yang menarik</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">d.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Melakukan wawancara</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">e.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Berhubungan dengan
kelompok-kelompok kecil</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">f.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Berpidato dan melakukan
presentasi</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -18.0pt;">
<span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin; mso-fareast-font-family: Calibri; mso-fareast-theme-font: minor-latin;"><span style="mso-list: Ignore;">g.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span dir="LTR"></span>Menulis surat, memo dan
laporan</div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; mso-add-space: auto;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; margin-bottom: .0001pt; margin-bottom: 0cm; text-indent: 36.0pt;">
Barangkali, cara terbaik untuk melakukan perbaikan
program adalah dengan menilai diri pribadi secara jujur. Setiap orang
berkeinginan untuk mengembangkan keterampilan berkomunikasi, dan mungkin anda
adalah seorang pendengar yang baik, atau mungkin penulis yang baik. Dalam
beberapa hari kemudian, coba perhatikan kemauan anda berkomunikasi, ada
perbaikan atau tidak. Coba perhatikan cara anda berkomunikasi, yang benar dan
yang salah. Selanjutnya, pusatkan dan kembangkan keterampilan anda pada
bidang-bidang yang paling lemah. Cara terbaik untuk meningkatkan kemampuan
berkomunikasi adalah melalui latihan-latihan atau praktek-praktek. </div>
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Dalam kehidupan banyak dijumpai orang-orang yang tidak begitu saja
menjadi penulis atau pembicara yang ulung. Mereka menjadi orator ulung atau
penulis jempolan karena mereka melakukan latihan dan praktek secara teratur dan
terus-menerus. Seseorang yang telah menulis sepuluh buah laporan biasanya akan
menghasilkan tulisan yang lebih baik daripada mereka yang hanya menulis dua
laporan. Anda belajar dari pengalaman, dan pelajaran yang paling penting dari
pengalaman anda adalah dari kesalahan dan kegagalan yang pernah anda lakukan.</div>
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<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Blackadder ITC"; font-size: 13.0pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Referensi : <span style="mso-tab-count: 1;"> </span></span><span style="font-family: "Times New Roman","serif"; font-size: 13.0pt; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Djoko Purwanto, Komunikasi Bisnis, Erlangga</span></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0tag:blogger.com,1999:blog-4772562682616445390.post-18528068758226931272014-04-14T06:41:00.001-07:002014-04-14T06:41:32.298-07:00komunikasi yang efektif<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal" style="line-height: normal; text-align: center;">
<b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Tips
Komunikasi yang Efektif</span></b></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<h4 class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Keberhasilan karyawan bukan hanya
berdasar pada profesionalisme dan kerja keras, networking dan hubungan dengan
rekan kerja juga memegang peranan penting. Walaupun perkembangan teknologi kini
sudah sangat berkembang akan tetapi communication skill masih memegang peranan
penting untuk penyampaian informasi yang efektif.</span></h4>
<br />
<h4>
</h4>
<br />
<h4 class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Dala kehidupan sehari-hari,
khususnya pada percakapan antar pribadi terkadang muncul kesalahpahaman atau
salah tanggap dikarenakan komunikasi yang tidak baik. Cukup mengejutkan hal ini
biasanya terjadi dikarenakan perbedaan budaya atau bahasa. Beberapa orang
bahkan tetap mengalami kesulitan untuk berkomunikasi dengan atasan atau rekan
kerja yang menggunakan bahasa yang dan memiliki budaya yang sama. Biasanya komunikasi
yang efektif terjadi di dalam kelompok dan dan hanya dengan teman dekat, dimana
saling pengertian dan keinginan untuk mendengarkan merupakan menjadi bagian
penting dari proses komunikasi.</span></h4>
<br />
<h4>
</h4>
<br />
<h4 class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;"><a name='more'></a>Berikut tips untuk mengatasi
gangguan komunikasi:</span></h4>
<br />
<h4>
</h4>
<br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l7 level1 lfo1; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-justify: inter-ideograph;"><h4>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Pesan, bukan si pemberi pesan</span></h4>
</li>
</ul>
<br />
<h4>
</h4>
<br />
<h4 class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Terkadang kita memiliki persepsi
tertentu terhadap seseorang yang menyampaikan suatu pesan. Jika kita memiliki
anggapan jelek tentang seseorang maka biasanya kita tidak akan mendengarkan
secara serius apa yang disampaikan orang tersebut, hal ini juga berlaku dari
penampilan orang yang memberi pesan seperti tampilan luar dan cara berbicara.
Kita harus ingat bahwa yang paling penting adalah pesan yang disampaikan dan
bukan si pemberi pesannya.</span></h4>
<br />
<h4>
</h4>
<br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l5 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-justify: inter-ideograph;"><h4>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Isi pesan, bukan hanya sekedar pesannya</span></h4>
</li>
</ul>
<br />
<h4>
</h4>
<br />
<h4 class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Permasalahan dan suatu peristiwa
terjadi dikarenakan sebab dan akibat, sering kali ada hubungan antara suatu
masalah dengan masalah yang lain, suatu kejadian dengan kejadian lainnya. Jika
kita hanya berkonsentrasi pada suatu kalimat misalnya “perusahaan memberlakukan
jam kerja yang fleksibel kepada karyawannya, jadi mereka bisa datang lebih pagi
atau sebelum siang”. Melihat kalimat tersebut kita dapat menterjemahkan bahwa
perusahaan memperhatikan karyawannya agar dapat terhindar dari kemacetan. Oleh
karena itulah penting bagi kita untuk mengetahui maksud dan tujuan dalam suatu
kalimat.</span></h4>
<br />
<h4>
</h4>
<br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l3 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-justify: inter-ideograph;"><h4>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Dengarkan terlebih dahulu, baru lakukan
evaluasi</span></h4>
</li>
</ul>
<br />
<h4>
</h4>
<br />
<h4 class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Kita harus mengerti sudut pandang
dari si pemberi pesan, alasan orang tersebut menyampaikan suatu hal, tanyakan
apa maksud dan tujuannya agar kita dapat mengevaluasi sudut pandangnya.
Evaluasi dapat dilakukan setelah perbincangfan berakhir dan tidak perlu
terburu-buru dalam mengambil keputusan. Jangan terbiasa langsung mengambil
kesimpulan dan memutuskan sebuah keputusan terhadap suatu hal yang masih belum
jelas.</span></h4>
<br />
<h4>
</h4>
<br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l1 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-justify: inter-ideograph;"><h4>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Tertulis, bukan lisan</span></h4>
</li>
</ul>
<br />
<h4>
</h4>
<br />
<h4 class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Orang yang memiliki emosi tinggi
atau kurang memperhatikan orang memiliki kesulitan untuk berkomunikasi secara
lisan. Maka itulah disarankan untuk berkomunikasi dengan orang seperti ini
dengan mengirim memo atau surat sebelum berbicara dengan orang tersebut.</span></h4>
<br />
<h4>
</h4>
<br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo5; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-justify: inter-ideograph;"><h4>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Sampaikan dengan jelas</span></h4>
</li>
</ul>
<br />
<h4>
</h4>
<br />
<h4 class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Gunakan kata-kata yang sederhana
dan tepat dalam menyampaikan pesan agar mudah dimengerti. Jargon dan kalimat
formal hanya akan memperbesar jarak saat ebrkomunikasi. Di lain pihak, ketika
dua orang tidak dapat berkomunikasi dengan baik mereka akan menyampaikan pesan
tersebut sehingga lebih banyak orang yang tidak mengerti. Pada akhirnya hasil
dari komunikasi tersebut hanyalah nol besar.</span></h4>
<br />
<h4>
</h4>
<br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l0 level1 lfo6; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-justify: inter-ideograph;"><h4>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Minta tanggapan dari penerima pesan</span></h4>
</li>
</ul>
<br />
<h4>
</h4>
<br />
<h4 class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Penyampaian sebuah pesan hanyalah
tahap awal dari sebuah proses komunikasi. Pihak perusahaan dan atasan harus
meminta tanggapan dari bawahannya agar dapat mengetahui kesalahan yang terjadi
dan dapat segera diperbaiki. Yang lebih penting lagi adalah Anda dapat mengetahui
keluhan, gossip yang beredar, sehingga solusi untuk masalah tersebut dapat
segera ditemukan.</span></h4>
<br />
<h4>
</h4>
<br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l2 level1 lfo7; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-justify: inter-ideograph;"><h4>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Saling percaya dan Menghormati</span></h4>
</li>
</ul>
<br />
<h4>
</h4>
<br />
<h4 class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Dua orang yang saling
berkomunikasi dengan kepercayaan penuh dan saling menghormati tidak akan
memaksakan pemikirannya sehingga mereka benar-benar “berkomunikasi”. Hal ini
dapat membuat pembicaraan menjadi lebih interaktif, dinamis, dan efektif. Pesan
yang disampaikan juga akan sepenuhnya dimengerti karena kedua belah pihak dapat
bertukar ide.</span></h4>
<br />
<h4>
</h4>
<br />
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l6 level1 lfo8; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list 36.0pt; text-align: justify; text-justify: inter-ideograph;"><h4>
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Level dari komunikator</span></h4>
</li>
</ul>
<br />
<h4>
</h4>
<br />
<h4 class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-justify: inter-ideograph;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Perbedaan antara cara berbicara
dari atasan dan bawahan dapat terlihat secara jelas. Dalam komunikasi bawahan –
atasan sangat disarankan poin-poin yang disampaikan jelas dan tepat dan
selalu perhatikan komentar yang disampaikan atasan. Sebaliknya, pada komunikasi
atasan – bawahan kita harus menjelaskan suatu permasalahan secara rinci dan
jangan lupa untuk meminta tanggapan dari ide yang sudah disampaikan.</span></h4>
<br />
<h4>
</h4>
<br />
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: ZH-CN;">Referensi
: http://careers.jobstreet.co.id/work/tips-komunikasi-yang-efektif</span></div>
Anonymoushttp://www.blogger.com/profile/02174610790785132865noreply@blogger.com0