Kumpulanbisnis

Editor: Creative Team (R), 0813-2074-9020, http://trisetya.white.prohosting.com, crtv_team2004@yahoo.co.
id, Updated Sept 07 Page 0

KUMPULAN B8N8, TP8, TRCK8,
8TUD KA8U8, PENGALAMAN & 8TRATEG
BERNVE8TA8 DENGAN EFEKTF
EDITOR : Creative Team "
HOMEPAGE : http://trisetya.white.prohosting.com
EmaiI : crtv_team2004@yahoo.co.id
Contact Person : Sena
Contact Number : 0813-2074-9020
0 A F T A R | 8 |
1 10 Cara 0apal 0u|l 0ar| Rurar 11 lrg|r 8u|a Kale
2 100 8|sr|s 0ar| Veja Va|ar 0|rurar 15 lrg|r Verou|a 8erg|e| Ke|as Verergar
3 100 Cara urlu| Verjad| 8oss 3erd|r| 0|rurar 1 lrg|r Veru|a| usara
1 15 Cara Proros| 1Z lrlerrel 8|sr|s
5 5 3lraleg| Ke|ayaar 0ar Kesu|sesar 18 Kapar 3aya larus Vu|a| Verc|c|| Rurar
Ara| Kos Yarg 3usar Veraourg 19 Keuargar Ke|uarga
Z Apa Yarg larus 0|perral||ar 0ar| Perggura Karlu 50 Korpos|s| A|o|as| Perdapalar
8 Apa Yarg Per|u 0|perral||ar Agar Ta| Veroeoar| Keuargar 51 Korlra| Rurar 0ar C|c||ar Volor
9 Apa Yarg Per|u 0|perral||ar urlu| Veru|a| 3eouar usara 52 Larg|ar Perercaraar Arggarar Keuargar Ke|uarga
10 8aga|rara 100.000 0rarg 3upaya Veroer| Rp 10.000 Kepada Arda 53 Varajerer 0aj|
11 8aga|rara Cara Veru|a| usara Rerla| 51 Varajerer Keuargar
12 8aga|rara Veroag| las|| usara Yarg Ad|| 55 Varajerer 3ederrara urlu| warurg
13 8aga|rara Verpero|er Rp 1.000.000 3er|rggu 0ergar Karera 5 Vau Rerovas| Rurar
11 8aga|rara Verpero|er Rp 2.000.000 3er|rggu 0ergar Korpuler 5Z Veroe|| Rurar Alas Kred|l
15 8aga|rara Verge|o|a Keuargar Rurar Targga 58 Veroual Laporar Keuargar 3|rp|e
1 8aga|rara Verjad| Kaya 0ergar Cara Vudar 59 Ver|||r Jer|s usara Yarg Tepal
1Z 8aga|rara Verjad| 0rarg Yarg Cerer|arg 0 Verpero|er Rp 10.3Z.000 Vergul|p 8ararg Lara
18 8aga|rara Verjad| 3eorarg Yarg Kreal|l 1 Verpero|er Rp 5.000.000 3er|rggu 8ero|cara 0ergar 0rarg
19 8aga|rara Veru|ar Rp 250.000 Verjad| Rp 15.000.000 2 Verpero|er Rp 50.000.000 3eou|ar 0ar| Perusaraar
20 8agarara Verjad||ar Kear||ar 3og Perusaraar 3arp|rgar Yg Vergurlurg|ar 3 Verpero|er Rp Z50.000 3erar| 0gr Veroaca l||ar 0| 3ural Kaoar
21 8ag| las|| usara 8ersara 1 Veru|a| 8|sr|s Pr|oad|
22 8ag| las|| 5 Veru|a|, Ver|rl|s, 0ar Veroargur 8|sr|s 3erd|r|
23 8e|| Rurar Alas Nara Perusaraar Yarg 3udar T|da| A|l|l Vercar| Perusaraar Asurars| Yarg Proles|ora|
21 8e|| Rurar Ve|a|u| Kred|l Tarpa Agurar Z Vergalur Keuargar 3e|ag| 8e|erja 0ar 3e|o|ar
25 8erapa Jur|ar C|c||ar Yarg Arar 8 Vergr|lurg Keurlurgar 0ergar Verggura|ar Casr 8as|s / Accrua| 8as|s
2 8|rgurg 8erW|rausara 9 Ver||a| Kara|ler
2Z 8|rgurg 0aj| KaryaWar 0ar 8|aya Paja| Z0 Per|u|ar Vergaro|| Kred|l 0ar| 8ar|
28 8|rgurg 3e|a|u Noroo| Z1 Raras|a 8aga|rara Veru||s l||ar 8ar|s
29 8|sr|s Rurar Va|ar Z2 Raras|a Vererur| Pel| 3ural Arda 0ergar uarg Yarg 8arya|
30 8u|a usara To|o Ke|orlorg Z3 Raras|a Verpero|er Keurlurgar 500-3000 0ergar Voda| 3ed|||l
31 Cara KaryaWar 8|sa Na|| 0aj| Erpal Ka|| 0a|ar 3elarur Z1 Raras|a Verpero|er Rp 1.500.000 3er|rggu Tarpa Kerja
32 Cara Veroual Laporar Keuargar Z5 Raras|a Verpero|er Rp 100.000.000 3elarur 0|rurar
33 Cara Verou|a usara 3arp|rgar 0|sarp|rg usara Yarg 3udar Ada Z Raras|a Verpero|er Rp 15.000.000 0a|ar wa|lu 15 lar|
31 Cara Vercar| uarg Leo|r Vudar 0ergar ArsWer|rg Vacr|re ZZ Raras|a Verpero|er Rp 200.000 3erar| 0|rurar
35 Cara Vergalur Keuargar Z8 Raras|a Verjua| 8u|u Yarg Vergurlurg|ar
3 Cara Vergr|lurg Voda| Palurgar 0ar 3lardar 0aj| Z9 Raras|a Veru|ar loo| Verjad| uarg
3Z Cara Vu|a| Veraourg 80 Rp 1.200.000 3er|rggu Vergedar|ar R|sa|ar Kepada 0rarg 0eru|
38 Forral Casr F|oW Yarg 8erar 81 Rp 1.000.000 3erar| Verorlor Acara Tv
39 Forru|a Rp200.000 3el|ap lar| Tarpa larus Ke|uar Rurar 82 Rp 50.000.000 3eou|ar 8|sr|s 0ar| Rurar
10 lularg Yarg Verurpu| 83 3arar urlu| 8|sr|s Pr|oad|
11 lrg|r 8e|ajar 8er|rveslas| 81 Terr|| lrveslas| 3lraleg|s Cara JulaWar
12 lrg|r 8erW|rasWasla 0ergar 8erjua|ar Korar 85 T|ga Raras|a Vercar| uarg Yarg 8arya| 0|rurar
13 lrg|r 8erW|rasWasla 8 usara 0ergar Cara 8ag| las||
Editor: Creative Team (R), 0813-2074-9020, http://trisetya.white.prohosting.com, crtv_team2004@yahoo.co.id, Updated Sept 07 Page 1
5 8TRATEC| KE8UK8E8AN 0AN KEKAYAAN
1. 8|kap
3||ap ada|ar salu la|lor pererlu |esu|sesar da|ar apapur juga per|ara yarg arda |a|u|ar. E|rsle|r rergala|ar oarWa s||ap ada|ar 99 pererlu
|esu|sesar alau |egaga|ar seseorarg.
Arda seresl|rya rerpurya| s||ap yarg pos|l|l da|ar apapur juga o|darg yarg arda |a|u|ar, j||a arda rau rerpero|er |esu|sesar.
Apa|ar arda sedarg sadar, rerda| re|e|ap|ar rala, oe|erja - apa pur juga yarg arda |a|u|ar, arda seresl|rya rerarar|ar s||ap pos|l|l. Apao||a
sualu per|ara l|da| rerjad| seperl| yarg arda rarap|ar, arda serarusrya lerus oers||ap pos|l|l. J||a arda oargur |eWal, jargar rerasa oosar,
seoa|||rya arda rarus oerl|||rar pos|l|l dar oer|ala |epada d|r| arda serd|r| ' o|, rar| |r| a|u ler|eWal oargur, se|ararg a|u per|u |a|u|ar yarg leroa||
urlu| rar| |r|.
3aya l|da| percaya oarWa rere|a yarg su|ses pada rar| |r| o|sa rercapa| larap |lu larpa rerpurya| s||ap yarg oa|| dar pos|l|l.
3eoerarrya |eo|r rudar urlu| oerl|||rar regal|l, dar urlu| pergelaruar arda, urlu| oerl|||rar pos|l|l rerer|u|ar sed|||l usara. Terpe||ar salu rola d|
alas reja arda, d| da|ar roo||, cerr|r d||arar rard| yarg lerlu||s '3lKAP. Apao||a arda re||ral rola |lu, oerrerl| sejera| dar oerl|||r lerlarg per|ara
yarg sudar oer|a|u pada rar| |lu, dar j||a ada |a|arya arda rerasa l|da| oerl|||rar pos|l|l, l|||r|ar seru|a dar lerus|ar |erja yarg arda |a|u|ar.
J||a arda oers||ap pos|l|l, serua per|ara yarg arda |a|u|ar a|ar rerjad| |eo|r rudar. J||a ada per|ara yarg l|da| su|a arda |a|u|ar, jargar o|ar|ar
ser|rgga pada saal a|r|r, oar|ar |a|u|ar du|u per|ara lerseoul dar l|||r|ar '3aya rau rergerja|ar |erja |r| sarpa| se|esa| |erud|ar saya o|sa oual
|erja yarg saya su|al. Cooa|ar lerr|| |r| dar arda pasl| a|ar rerasa|ar peroedaarrya.
2. Amb|| t|ndakan
lr| rerupa|ar salu |su yarg oesar |epada |eoarya|ar orarg, rere|a rerpurya| |de o|sr|s yarg oa||, rere|a reroer|laru |epada |aWar-|aWar
lerlarg o|sr|s yarg rerda| d|ru|a|, |aWar-|aWar rerjad| pos|l|l dar rerdu|urg. Kerud|ar rere|a oer|laru |epada oeoerapa orarg |a|r ser|rgga|ar
rerjad| seryap oeg|lu saja.
J||a arda rerpurya| |de yarg oagus l|da| rerjad| rasa|ar, lelap| arda per|u reroual l|rda|ar. Kerud|ar apao||a arda sudar ru|a| re|a|u|ar
sesualu, arda per|u rergaro|| oeoerapa |ag| |arg|ar selerusrya ser|rgga|ar rercapa| |esu|sesar.
J||a arda rerpurya| pe|uarg alau |de pada rasa |r|, rurg||r sesualu yarg sudar |ara arda l|||r|ar, oerrerl| oero|cara dar oerl|||r lerlargrya -
LAKuKAN 3AJA.
3aya rerpurya| oarya| saraoal yarg dalarg oerjurpa dar oero|cara lerlarg |de-|de o|sr|s seperl| seo|ar-o|ar rere|a yarg reryurur saya
re|a|u|ar o|sr|s lerseoul. 3aya o|sa rero|org rere|a, oer| perdapal, lelap| yarg reryed|r|ar |a|ar 90 dar|pada rere|a l|da| perrar reroual
l|rda|ar. J||a arda l|da| reroual l|rda|ar, arda reroororg| ra| arda urlu| salu |esu|sesar.
3. Tukar aga|mana Anda 0|programkan
3eja| dar| oarg|u perse|o|arar |ag| ||la se|a|u lerl|||r seperl| yarg se|a|u d|oer|laru o|er orarg-orarg deWasa oarWa ' oe|ajar yarg parda| supaya
dapal|ar |erja yarg oa||. 3aya rarap arda jargar sa|ar arggap, saya l|||r apao||a ||la d|se|o|ar ||la per|u oe|ajar apa yarg per|u |erud|ar ou|a o|sr|s
arda serd|r|l
80 julaWar pada rar| |r| rercapa| |rp|ar rere|a dg reru|a| o|sr|s serd|r|. Vurg||r arda sudar ra||ur, j||a arda oerar-oerar rau |eoeoasar
|euargar, rasa deparrya |a|ar dg rerou|a usara serd|r|.
3udar lerlu o|sr|s serd|r| rarus rerarggurg res||o, dar arda o|sa rergurarg| res||o lerseoul dg reru|a|rya secara sarp|rgar, dar gura|ar lerr||
yarg saya lurju||ar dg roda| yarg |ec||, lelap| |roa|arrya sargal oarya| dar rergurlurg|ar.
4. Tu||skan Apa Yang Anda F|k|rkan
3aya l|da| pedu|| seoa|| apapur reror| yarg arda r|||||, lelap| rergapa per|u d|o|ar|ar saja. Vergapa per|u rerarggurg res||o j||a ler|upa sesualu
yarg perl|rg? Tu||s|ar per|ara yarg ada d|l|||rar supaya arda rero|org re|ega|ar ola| arda yarg perur dg |rlorras|. Apao||a arda reru||srya arda
l|da| per|u la|ul j||a ler|upa pada Wa|lu yarg d|per|u|ar.
J||a arda rerpurya| |de - lu||s|ar.
J||a arda rerpurya| rasa|ar - lu||s|ar.
Apao||a arda reru||s sualu rasa|ar, arda a|ar rerdapal| oarWa arda dapal oerl|||r dg |eo|r je|as, dar salu Wa|lu rarl| per|ara lerseoul dapal
d|se|esa||ar. Terr|| |r| larpa| rudar, lap| j||a arda ru|a| rerggura|arrya, arda pasl| a|ar ||ral peroedaarrya |e|a|.
5. Tetapkan Tujuan 0an |mp|an
J||a arda l|da| rerpurya| sasarar, arda l|da| a|ar dapal apa-apa. Arda rarus rerpurya| ral|aral/lujuar, arda per|u laru |erara desl|ras| arda,
oerusara urlu| rercapa|rya dar serarl|asa |rgal a|ar |rp|ar arda. 3aya oerjurpa dg oarya| orarg yarg rurg||r l|da| rergerl| lerlarg |orsep |r|
yarg oer|ala '|rp|ar a|u |a|ar urlu| rerjad| julaWar da|ar Wa|lu 5 larur lelap| apao||a arda larya|ar oaga|rara urlu| rercapa|rya, rere|a rarya
d|ar saja.
Arda resl| rerpurya| lujuar/ral|aral jarg|a parjarg, urlu| lerpo 5 larur yarg a|ar dalarg, |erud|ar arda per|u oerusara urlu| rercapa|rya,
|erud|ar lelap|ar ral|aral jarg|a perde| yarg |eo|r rudar d|capa| corlorrya ral|aral selarur, seou|ar dar ser|rggu.
3aya rarap 5 slraleg| d|alas dapal rero|org arda urlu| rercapa| |esu|sesar dg |eo|r rudar dar cepal.
45 6ARA PR0H08|
1. Pasarg |||ar oar|s d| |orar.
2. Pasarg |||ar d| ou|u le|epor |ur|rg (ye||oW pages).
3. Pasarg |||ar d| pusal per|u|a|ar.
1. A|l|l rerde|al| |orsurer |eWal le|epor.
5. Verdalarg| |argsurg |orsurer yarg prospe|l|l.
. Proros| |eWal sural.
Z. Jad| pero|cara d| ser|rar dar o|cara|ar lerlarg ra| yarg oerar-oerar Arda |uasa|.
8. Jad| pero|cara laru d| acara d|a|og d| rad|o.
9. 8ual pusal dala lerlarg pe|arggar Arda, |erg|ap dg a|aralrya. Jaga lerus agar lelap up-lo-dale.
10. 8argur c|lra perusaraar Arda dg |arlu rara dar |op sural yarg rerar||.
11. Rarcarg orosur yarg rerje|as|ar |eurlurgar dar| produ| Arda.
12. Keroarg|ar s|sler peresarar |eWal sural.
13. 8ual lerpal |rusus urlu| rerarer|ar dar reroe|| |argsurg produ| Arda.
11. Rarcarg perasarar jara| jaur (le|erar|el|rg).
15. 8ual |ogo perusaraar sesua| dg c|lra yarg |rg|r Arda oargur.
1. Tero|l|ar seracar ou|el|r yarg rercer|la|ar per|eroargar leroaru usara Arda, pa||rg l|da| l|ga ou|ar se|a||.
1Z. 8ual suver|r dg |ogo perusaraar, seperl| |a|erder, pera, rug, |erlas rero dar seoaga|rya.
18. 8ual |arparye sos|a| yarg oerruourgar dg produ| Arda. V|sa|rya j||a produ| Arda |arpu, seoar|ar l|ps lerlarg reral pera|a|ar ||slr||.
19. 8ual sl||er alau oa|or dg |ogo dar s|ogar perusaraar Arda.
20. Rarcarg |aos dg |ogo dar rara perusaraar.
21. Jajag| |erjasara proros| dg perusaraar |a|r yarg ou|ar pesa|rg.
22. Pe|ajar| serua o|aya proros|, oa|| yarg |eWal |orar, raja|ar, rad|o, le|ev|s|, papar re||are, ra|le ous, dar lerpal-lerpal urur |a|rrya.
23. Teru|ar cara urlu| rerguras| o|aya proros| dg rerarlaal|ar proros| palurgar.
21. 8erler|ra|as|r |epada pe|arggar dg rerg|r|r|rya sural.
25. Verjaga ruourgar dg pe|arggar dg cara rerg|r|r|rya |arlu u|arg larur, Leoarar, Nala|, alau larur oaru.
2. Pasarg prol|| perusaraar d| raja|ar alau |orar yarg o|asa d|oaca o|er ca|or |orsurer sasarar.
2Z. 3eWa ager per|||arar alau ruras (PR/puo||c re|al|ors).
28. 3e|erggara|ar sayeroara yarg oers|lal proros|.
29. 3e|erggara|ar ser|rar yarg |rusus reroaras produ|, jasa, dar perusaraar Arda.
30. 3e||p|ar orosur alau oarar proros| |a|rrya |e da|ar lag|rar yarg Arda ||r|r.
31. Car| ca|or pe|arggar d| parerar-parerar.
32. Car| ca|or pe|arggar d| per|urpu|ar-per|urpu|ar yarg oerruourgar dg o|sr|s Arda.
33. Car| ca|or pe|arggar d| ser|rar-ser|rar.
31. Car| ca|or pe|arggar d| raja|ar alau |orar.
35. Keras orosur, dallar rarga, dar sural-reryural da|ar lerpal |rusus urlu| pe|arggar.
3. Pasarg papar perurju| d| p|rgg|r ja|ar de|al |arlor Arda.
3Z. 3eoar|ar orosur dg rerye||p|arrya d| W|per |aca roo||.
38. Cela| |a||ral oers|lal proros| pada |erlas sural alau arp|op.
39. Pasarg |ogo dar rara perusaraar pada roo|| perusaraar.
10. 3|ap|ar v|deo lerlarg prol|| perusaraar.
11. 8ual dallar produ| |erg|ap lerlarg garoar, cara pergguraar dar |eurlurgar pera|a|ar urlu| rerperrudar Arda reroual proros|.
12. 3|ap|ar proposa| yarg s|ap d|laWar|ar urlu| rergarl|s|pas| |eoulurar pe|arggar.
13. 3ed|a|ar corlor produ| gral|sar.
11. 3ed|a|ar |eserpalar |epada ca|or pe|arggar urlu| re||ral-||ral proses produ|s|.
15. 3porsor| acara ara|.
100 JEN|8 U8AhA YANC |8A 0|HULA| 0AR| HEJA HAKAN 0| 0APUR RUHAh AN0A
usara yarg o|sa d|ja|ar|ar d| rurar ou|ar seresl|rya o|sa d||a|u|ar o|er serua orarg . arda o|sa rerja|ar|ar usara arda d| rurar Wa|aupur arda
seorarg |ara|-|ara|, lua, |e|a|| alau pererpuar. Arda o|sa su|ses se||rarya arda rerpurya| p|ar perarcargar, |de |eseralar dar |or|lrer yarg
oersurggur-surggur. Arda juga o|sa su|ses j||a rerdapal du|urgar dar|pada orarg yarg oerada d|se||lar arda.
Corlorrya seperl| |sler| alau suar| dar ara|-ara| alau |ou oapa dar ad|| yarg a|ar reroer||ar oarluar da|ar oerlu| raler|a| dar rora|. Vere|a per|u
rerarar| |ar|er arda dar serarl|asa reroer||ar du|urgar.
Keoarya|ar orarg seoerarrya sargal la|ul urlu| reru|a| sesualu, apa|ag| se||rarya rere|a rerpurya| pe|erjaar yarg oergaj| lelap seoe|urrya.
8ayargar |egaga|ar serarl|asa oerra|r d|l|||rar dar oera| rere|a. urlu| rercapa| |esu|sesar, arda per|u oers||ap lerou|a dar ya||r d|alas apa yarg
rau arda |a|u|ar. Arda juga per|u rerasl||ar oarWa arda oerar-oerar ya||r dar laru rergera| usara yarg a|ar arda ceour| |lu dar arda le|ar
rerpe|ajar|rya.
3el|ap usara oaru yarg d||a|u|ar per|u ada perarcargar le||l| dar reroual perarg|aar perdapalar. Jargar jad||ar ra|argar-ra|argar aWa| seoaga|
perourur usara arda. sudar pasl| arda a|ar rereru| ser|ou salu racar pr||a|u dar ge|agal para pe|arggar arda , ra| |r| o|asa oer|a|u |arera sargal
ruslar|| oag| ||la urlu| rererur| serua lurlular rere|a.
Perga|arar dar pergelaruar d|da|ar o|darg yarg a|ar arda ceour| raral| juga rerupa|ar salu per|ara perl|rg yarg a|ar rerjad| ' guru ' yarg sargal
oerr||a| |epada arda |e|a|. Pererargar juga aral perl|rg urlu| perusaraar arda. Tarpa reroual pererargar dar rerper|era||ar perusaraar arda
oerarl| l|da ada gurarya usara arda |lu. Pererargar yarg d|ra|sud |lu rerupa|ar salu lugas yarg oeg|lu perl|rg d|da|ar perusaraar arda, dg |ala |a|r |a
d|seoul |||ar.
3eoao |lu|ar pergusara yarg su|ses se|a|urya le|ar rerperurlu||ar seoa-g|ar oesar oeroe|arjaarrya urlu| lujuar proros| dar |||ar saja. Vere|a a|ar
reroer|laru dar rerper|era||ar perusaraar rere|a dg re|uas se|a||. 8a|a|-oa|a| pe|arggar sudar lerlu |rg|r rergelaru| apa yarg sedarg d|ja|ar|ar
dar oaga|rara rere|a dapal rergruourg| arda rarl|.
Cara yarg rurar urlu| reroual |||ar |a|ar dg rergedar|ar r|sa|ar/ l|yer perusaraar arda yarg |erg|ap dg a|aral dar roroor le|epor oag| rerudar|ar
rere|a rergruourg| arda. J||a arda rerpurya| |erudarar |a|r seperl| res|r la|s, |orpuler dar |rlerrel |r| o|sa reraroar|ar |ag| |eupayaar
perusaraa arda d| rara arda o|sa rerja|ar|ar perusaraar arda secara re|uas larpa oalasar.
0ura|ar serua |erudarar dar le|ro|og| perruourgar yarg ada j||a arda rarpu oag| rer|rg|al|ar perusaraar arda. Perg|||arar d| da|ar sural |aoar
alau raja|ar juga rerupa|ar sa|ar salu cara urlu| rerproros||ar perusaraar arda dg o|aya yarg aga| rurar. |arlu-|arlu perusaraar / ous|ress card
juga perl|rg. Arda o|sa d|ruourg| dar rergruourg| pe|arggar dg oeroaga| cara, sara ada secara lerus, sural reryural, le|elor, la|s, era||, |rlerrel dar
seoaga|rya.
usara yarg o|sa arda ceour| l|da| leroalas o||argarrya dar arda o|sa rer|||r oeroaga| |alegor| yarg ada. 8arya| orarg yarg reru|a| usara l|da|
rerpurya| perga|arar yarg rercu|up|, seoa|||rya rere|a raju dar oer|eroarg re|a|u| l|s||a| dar rerla| yarg |ual serla roda| da|ar oerlu| uarg.
Perasarar yarg |eo|r rudar a|ar reroarlu rer|rg|al|ar perusaraar arda dg |eo|r cepal |ag|. 3a|ar salu cara perasarar yarg rudar, cepal dar
popu|er serla l|da| rerer|u|ar |ear||ar yarg l|rgg| |a|ar dg rerggura|ar s|sler ra|| order alaupur rerggura|ar s|sler usara secara pos. d| oaWar |r|
d|dallar|ar seoag|ar dar|pada cara urlu| rerja|ar|ar perusaraar dar| reja ra|ar d| rurar arda.
Juru o|cara perusaraar 0uru perca| s||al Veroual o|s|u|l
Jasa s|rpar p|rjar 0uru rasa|ar VeryeWa|ar pera|alar rus||
3yar||al ( a|urlar ) Verjua| |au| pau| Ve|u||s
Jasa Tala-usara Verjua| sarapar pag| Veroual gral||
Jasa recyc|e VeryeWa|ar ourga-ourgaar Verperoa||| jears dar pa|a|ar
(daur u|arg ) VeryeWa|ar p|la v|deo Veroual dar rerjua| a|sesor| War|la
C||pp|rg serv|ce 0uru lologral| Veroual dar rerjua| |ercara
Co||ecl|or serv|ce 0uru rerjar|l Verjua| cerdrarala
Jasa la|s 0uru oord|r Veroual pagar |ayu
Jasa proros| 0uru rus|| Verjua| |ayu oa|ar
Juru lolo 0uru ryary|ar Verjad| ager |rporl e|sporl
Kaler|rg 0uru agara Verjua| ouar-ouarar |arpurg
VeraWal ourga / lararar 0uru |qra AL-0urar Verjua| sayur-sayurar
8ro|er |rlorras| Kelao|oar Verjua| ||ar per||raraar
0ala se|ur|l| Pergooalar lrad|s|ora| Ve|u||s des|gr/oargurar
0ala rasu| Tala r|as raroul Veru||s ou|u/reru||s s|r|p drara
Vera||l per|s|ar |orpuler Jasa warle| Veru||s rove| / cer|la serar / reraja
0uru |orpuler Verperoa||| roo|| Veru||s oer|la / reWs|eller
0.J. secara |argsurg Verperoa||| rolor/sepeda Peroer|la oeoas.
Proroler perjua|ar Peraseral |euargar Ve|u||s |arlur
8ro|er(ca|o) cela|ar VeryeWa|ar |arar Veru||s arl||e|
8ro|er larar Peraseral per|aW|rar Ager pe|erjaar
8ro|er |erdaraar Vergaro|| Folo per|aW|rar dar |e|uarga Ager asurars| |erdaraar
Vercuc| aparlrerl VeryeWa|ar |erdaraar Veru||s sural resr|
l|asar da|arar / Peralaar rurar Vercar| oararg-oararg arl|| Verg|s| lorru||r resr|
Ager |e|argar/jua|ar Vu|l| |eve| rar|el|rg Verero|l|ar parduar rarlarar
Ve|u||s papar |||ar Verjua| per|erg|apar pesla d|rurar Typesell|rg
Pergacara Verjua| re|a|u| le|elor Kored|
Verperoa||| p|pa 3LJJ Perlerjerar
Verperoa||| pera|alar ||slr|| Perardu pe|arcorgar Proolread|rg
Vergel|| Vergrarlar oararg Ed|lor
Verjar|l Veroual ruooer slarp Veroual de|oras| pesla
Verguoar ourga Vercela| l-sr|rl 8|ro jasa
3er| rergaryar Veroual peraool 0uru lar|
Vergajar |es Veroual oararg |eraj|rar Veroual |ue-|ue
100 6ARA UNTUK HENJA0| 088 8EN0|R|
Jad|, se|ararg arda rau oe|erja dar rerjad| ooss |epada d|r| serd|r|ll
Vurg||r arda sudar rerasa cape| dar |el|r oe|erja dg orarg |a|r dar rere|a l|da| rergerl| lugas-lugas yarg arda |a|u|ar alaupur arda le|ar oosar dar
|e|ar |arera lerpa|sa oerradapar dg rasa|ar |a|u-||rlas yarg sesa| sel|ap rar| seWa|lu perg| dar pu|arg dar| lerpal |erja. Alaupur arda sudar rua| dg
suasara po||l|| d| |arlor d|rara ada oudaya lu|arg rasud dar derg|| rerderg||.
Alaupur arda rerarg sudar ya||r dg d|r| serd|r| oarWa arda o|sa oerd||ar| dar rerpero|er pergras||ar yarg jaur |eo|r |urayar dar|pada gaj| alau
pergras||ar yarg arda ler|ra se|ararg |r|.
Alau arda sudar oosar oe|erja dg orarg |a|r, rau rer||ral| |er|dupar yarg jaur |eo|r oa|| dar reWar dar rau re|a|u|ar |erja -|erja laroarar d|Wa|lu
|aparg arda alaupur arda rarya rau reraroar pergras||ar |e|uarga arda dar l|da| rau rergaoa||ar ara|-ara| arda.
wa|au apa pur a|asar yarg arda oer||ar, dg oe|erja serd|r| dar rerjad| ooss |epada d|r| serd|r| |a dapal reroer||ar |eurlurgar yarg |eo|r oa|| |epada d|r|
arda dar |e|uarga serla dapal rer|rg|al|ar rarga d|r| arda juga. la a|ar reroer||ar ras|| yarg |urayar j||a arda dapal rerja|ar|ar |de-|de usara yarg
oa|| dar lepal. Apa|ar jer|s usara yarg oo|er rerepal| l0E? 8|asarya sel|ap |de o|sa oerras|| j||a|au rerpurya| dar rerepal| |r|ler|a seperl| oer||ul:
3esualu yarg arda |elaru| dar arda o|sa re|a|u|arrya dg oa||
3esualu yarg arda 3uKA urlu| re|a|u|arrya dar l|da| pedu|| Wa|aupur serarl|asa re|a|u|arrya sel|ap rar|
3esualu yarg rerpurya| ruarg yarg |uas urlu| d|proros||ar
3esualu yarg dapal d|jua| pada rarga yarg o|sa rergalas| rarga o|aya perge|uarar arda & juga rergras|||ar |eurlurgar yarg |urayar |epada arda.
3esualu yarg o|sa d||a|u|ar dg rerggura|ar roda| yarg |ec|| alaupur roda| yarg rercu|up| dar sesua| seperl| yarg arda rarcarg|ar.
J||a|au arda ras|r oe|ur rereru| cara-cara |eusaraWarar, rurg||r arda o|sa re||ral dar rerggura|ar sa|ar salu dar|pada s|sler dar cara seperl| yarg
d|dallar|ar d| oaWar |r|. Ada yarg o|sa reru|a| usara rere|a d| rurar dg rerggura|ar cara seperl| oer||ul dar ada pu|a yarg ras|r l|da| rergelaru| cara
urlu| reru|a| usara rere|a.
Keoarya|arrya o|sa d|jad||ar usara po|o|, dar seoag|ar dar|padarya o|sa d|gura|ar urlu| reraroar |ag| jur|ar jer|s usara yarg sudar ada. 3eruarya
o|sa d|gura|ar seoaga| cara urlu| rercar| uarg yarg dapal d||a|u|ar d| rurar j||a|au arda rergelaru| cara urlu| rerja|ar|ar perusaraar re|a|u| |de-|de
yarg le|ar d|oer||ar |lu. 0ar j||a arda dapal rercar| s|sler perasarar dar o|sa rerasar|arrya dg leralur. Perral||ar |de-|de usara oer||ul |r|:
Peraseral perlar|ar Perurd|rg rarcaregara Perala raroul
Peraseral rulu udara Perurd|rg perasarar Ko|urr|s
Percerarar ser|rar (perusaraar d||) Perurd|rg perooalar lardy rar serv|s
Korsu|las| |orpuler Perurd|rg rulu Pergurus arl|s
Peraseral pergurus |orlra|lor Perurd|rg Cara Pergurus perjua|ar
Peraseral re|ar|| Perurd|rg produ| Pe|ayarar |rlorras|
Korsu|las| a|ar se||lar Perurd|rg pasar Ager per|||arar
Korsu|las| lrarcr|se Perurd|rg proposa| |orlra| perer|rlar Vergaro|| garoar/v|deo
Peraseral |eseralar Perurd|rg |ese|aralar Verperoa||| pera|alar ||slr||
Perurd|rg |rage Perurd|rg |al|rar Verperoa||| sepeda
Perurd|rg |ear||ar Perurd|rg aud|l ul|||l| Peru||s p|ar usara
Perurd|rg |esu|sesar Perurd|rg pergurusar 8eres||o
Perurd|rg suroer rarus|a Karlur|s
ANAK K08 YANC 8U8Ah HENAUNC
(3Tu0l KA3u3) Tory --- 8ardurg
3aya seorarg raras|sWa 3er| Rupa yarg sedarg rerurlul ||ru d| 8ardurg. 0| 8ardurg saya |osl, Voa|. 3el|ap ou|ar, orarg lua saya reroer| saya uarg
sa|u seoesar Rp. 500.000, sudar p|us uarg peroayarar |osl l|ap ou|ar seoesar Rp. 200.000. Jad| urlu| uarg 'jajar' saya rarya lers|sa Rp. 300.000.
Nar, lerus-lerarg saya ser|rg rgga| rerasa cu|up dg uarg seg|lu urlu| r|dup d| 8ardurg: o|aya lrarsporlas| dar o|aya ra|ar. 8e|ur |ag| o|aya 'ra|ar
r|rggu', yarg urlu| ara| ruda jarar se|ararg |ar juga |udu, Voa|. Va|ar |adarg2 pacar saya yarg reroayar| saya rorlor, ra|ar ra|ar alau ja|ar2.
Tap| urlu| r|rla |eo|r pada orarglua saya rasarya l|da| lega, |arera se|a|r saya laru rere|a l|da| rarpu, saya juga rerasa |urarg o|sa rergalur
perge|uarar saya serar|2.
Jad| apa yarg rarus saya |a|u|ar ya, Voa|? Va|sud saya, oaga|rara cararya ya supaya saya dapal reraourg, sel|da|rya urlu| se|a|u rercu|up|
|eoulurar seou|ar saya dg jur|ar uarg 'jajar' seoesar Rp. 300.000 lerseoul. K|ra2, o||a saya rarus rergercarg|ar ||al p|rggarg, apa yarg rarus saya
|a|u|ar?
Jawaban:
la|o Tory, apa |aoar? 3eroga |u||arrya |arcar-|arcar saja ya. la| pa||rg perl|rg yarg rarus Arda |uasa| ada|ar oaga|rara rergalur jur|ar perge|uarar,
ser|rgga l|da| re|eo|r| perasu|ar. Cararya sargal rudar dar sederrara, |arg|ar-|arg|arrya ada|ar soo:
8ual dallar perge|uarar, dar oag| perge|uarar lerseoul rerjad| perge|uarar Waj|o dar l|da| Waj|o. 8ual|ar seouar arggarar perge|uarar ou|arar, seperl|
corlor d|oaWar |r|:
a. PEHA8UKAN..................................
o. PENCELUARAN wAJ|, lerd|r| dar|:
- Taourgar
- 8|aya |osl
- Trarsporlas|
- Va|ar
- 8e|arja ou|arar
- 8u|u & a|al lu||s
- 8usara
- Tola|: ......... (l|da| oo|er |eo|r dar| Rp. 100.000)
c. PENCELUARAN T|0AK wAJ|, yarg lerd|r| dar|:
- Te|por
- warrel
- 8e|| Korar
- Re|reas|/ pacarar
- Tola|: ......... (l|da| oo|er |eo|r dar| Rp. 100.000)
- 3|sa: 0
1. 0ura|ar s|sler arp|op. Cararya, aro||ar arp|op seoarya| jur|ar perge|uarar Waj|o dar oer| rara dg sp|do| ras|rg-ras|rg arp|op sesua| dg rara
perge|uarar Waj|o. Cara |r| oerlujuar agar l|da| carpur oaur arlara pos perge|uarar yarg salu dg yarg |a|r. urlu| perge|uarar l|da| Waj|o Arda, salu
arp|op saja sudar cu|up.
2. Karera Arda rerer|ra uarg ||r|rar se|a||gus, ra|a ||la juga a|ar rerg|s| arp|op pos perge|uarar saal Arda rerer|ra ||r|rar. Kerud|ar pr|or|las
perge|uarar yarg rarus d|oayar ler|eo|r daru|u ada|ar laourgar, sele|ar |lu |osl, oaru|ar yarg |a|r-|a|r. 0g reraourg d|depar ra|a Arda l|da| a|ar
|esu||lar |ag| urlu| reraourg ou|ar?
3. urlu| arp|op pos laourgar, ru|a||ar dg jur|ar Rp. 10.000, s/d Rp. 50.000,-; Wa|aupur jur|arrya |ec||, seoa||rya Arda l|da| ||ral dar| jur|arrya, lelap|
||ral dar| r|al Arda urlu| reraourg du|u. J||a sudar lero|asa, ra|a urlu| se|arjulrya a|ar |eo|r rudar urlu| rer|rg|al|ar jur|ar selorar
laourgarya. 3elor|ar|ar uarg Arda sel|ap |a|| jur|ar uarg d| arp|op sudar rercapa| Rp. 50.000,- |e laourgar Arda yarg |a|r (re|er|rg |a|r pada
oar| yarg sara alau oar| |a|r). urlu| |lu Arda seoa||rya rerou|a sualu laourgar yarg lerp|sar dar| re|er|rg lerpal Arda rerer|ra ||r|rar uarg.
Tujuarrya d|p|sar|ar ada|ar supaya re|er|rg |a|r |r| rerjad| lerpal |rveslas| Arda, dar supaya Arda l|da| lergoda urlu| rera|a|rya.
1. J||a ada arggarar perge|uarar Waj|o yarg oe|ur d|gura|ar alau l|da| rao|s urlu| ou|ar |r|, jargar d|rao|s|ar urlu| perge|uarar l|da| Waj|o.
3eoa||rya rasu||ar |e laourgar.
5. Perl|roarg|ar urlu| rerdapal|ar pergras||ar laroarar, r|sa|rya dg rerjua| |ear||ar Arda. 3aya ya||r oarWa seoaga| raras|sWa ser| rupa,
oarya| polers| |real|l|las Arda yarg o|sa d|jua| ser|rgga rergras||ar |rcore. 0g der||ar Arda l|da| per|u seperurrya lergarlurg dar| ||r|rar orarg
lua. Lag| pu|a se|a|| Wa|lu reroarag|a|ar sarg pacar dar| |rcore Arda serd|r| lerlu |eo|r reroargga|ar ou|ar?
0er|||ar oeoerapa sarar dar| saya urlu| rerge|o|a |euargar Arda, agar |eo|r s|sleral|s dar d|s|p||r. 3eroga oerrarlaal. V||e R|r|
APA YANC hARU8 0|PERhAT|KAN 0AR| PENCCUNA KARTU KRE0|T?
3aal |r| ra||r gercar 8ar|-oar| reraWar|ar |arlu |red|l |e |orsurer. Kadarg-|adarg cara rere|a reraWar|ar sargal rerggarggu, rere|por |e rurar
alau reraWar|ar |arlu |red|l re|a|u| nano pnone, yarg erlar rere|a pero|er dar| rara. Apao||a ya||r oarWa le|epor lad| la| ||la |era| (|adarg ||la |ag|
s|ou|), o|sa ||la aoa||ar, |aWal|rrya j||a roror le|epor yarg rasu| r|r|p-r|r|p roror le|epor lerar, dar yarg pa||rg |oryo| ada|ar rere|epor |e nano
pnone ||la.
0ar| oeroaga| red|a yarg ||la oaca, oarya| |e|urar yarg d|a|aral|ar |e sural peroaca, ada|ar le|epor arcarar dar| oeor co||ecror yarg rerleror
seseorarg oeserla |e|uargarya, d|a||oal|ar seoe|urrya reroer||ar relerers| alas perr|rlaar ara| ouar alau saudara oer|a|lar dg ap|||as| |arlu |red|l.
Tu||sar d| oaWar |r| |rg|r reroaras rasa|ar lerseoul, dar apa yarg seoa||rya ||la |a|u|ar seoaga| orarg yarg rer||||| |arlu |red|l alau orarg yarg d|r|rla
urlu| reroer||ar relerers| o|er orarg |a|r.
a. Referens|, apa pro's dan con's nya?
Relerers| rerurul K88l ada|ar: 1) suroer acuar (ruju|ar, pelurju|). 2) ou|u-ou|u yarg d|arjur|ar o|er doser |epada raras|sWarya urlu| d|oaca.
3)ou|u-ou|u perpusla|aar yarg l|da| oo|er d|oaWa |e|uar, rarus d|oaca d| lerpal yarg d|sed|a|ar.
Relerers| alau relerence sesua| ru|ur ada|ar:
1.a) Tne acr ol relerr|ng a case ro a releree, auo|ror, masrer ro l|no lacrs ano suom|r reporr ro rne courr. oj Tne oocumenr o, un|cn rne relerence |s maoe,
Feo R. 0|v|| P.5J. cj ln conrracrs, an agreemenr ro suom|r ro aro|rrar|on. rne acr ol parr|es |n suom|rr|ng rne|r conrrovers, ro cnosen relerees or aro|rrors. oj
/ person uno u||| prov|oe |nlormar|on lor ,ou aoour ,our cnaracrer, creo|r erc. ej Tne acr ol seno|ng or o|recr|ng one person ro anorner, lor |nlormar|on or
aov|ce as ro rne cnaracrer, so|venc,, srano|ng, erc., ol a rn|ro person uno oes|res open ous|ness re|ar|on u|rn rne l|rsr, or ro oora|n creo|r u|rn n|m. {3|acks
lau 0|cr|onar, o, lenr, 0ampoe|| 3|ack,V/. /or|ogeo $|xrn Eo|r|on o, Tne puo||sners Eo|ror|a| $rall, wesr Sroup, $r.Pau|, Vh, page 886j.
2. 3edarg|ar relerers| l|da| d|alur secara |rusus da|ar ru|ur d| lrdores|a. Relerers| |az|rrya urlu| pasr perlormance, dar ou|ar urlu| rerjar|r |e
depar. 0a|ar ru|ur p|dara, seperl| pera|suar, |elerargar pa|su, apa yarg ||la sarpa||ar (dr| relerers|) secara ||sar alau lerlu||s a|ar rerg||al,
ser|rgga jargar sarpa| sa|ar reroer||ar perryalaar. 0|er |arera |lu agar arar, da|ar relerers| rarus rerual ||ausu|a peroeoasar larggurg
jaWao.
0a|ar |er|dupar serar|-rar|, relerers| ser|rg d|pergura|ar apao||a seseorarg |rg|r p|rdar pe|erjaar agar rerdapal pe|uarg yarg |eo|r oarya|. Yarg
d|lu||s da|ar relerers| ada|ar oaga|rara pasr perlormance (||rerja) orarg lso se|ara oe|erja d|perusaraar yarg |ara, dar d|larda largar| o|er alasar.
0g der|||ar, r|r|p seperl| arl| pada |arus K88l, peroer| relerers| rarya rerje|as|ar pasr perlormance seseorarg pada saal ras|r oe|erja d| oaWar
larggurg jaWaorya, serla l|da| dapal d|lurlul urlu| oerlarggurg jaWao lerradap perlormance yarg a|ar dalarg.
Vasa|arrya, ||la la| se|a|u o|cara dg orarg yarg rergerl| ru|ur. 3| pelugas oar| perero|l |arlu |red|l yarg rere|por (ser|rg la| reryeoul|ar rara,
dar apa jaoalarrya), a|ar dg rudar rerasu||ar rara seseorarg seoaga| peroer| relerers| larpa |z|r yarg oersarg|ular, yarg rarl| a|ar jad|
pegargar oeor co||ecror urlu| rerleror/rerag|r dg pa|sa j||a orarg yarg d|oer| relerers| l|da| reroayar alau ler|aroal reroayar. 8ayarg|ar,
apa|ar rurg||r seseorarg rerjar|r urlu| ra|-ra| yarg la| leroalas? J||a relerers| lerseoul d|pergura|ar urlu| suar|/|sler| alau ara| yarg ras|r d|
oaWar larggurgarrya ada|ar ra| yarg Wajar, rarur l|da| der|||ar ra|rya j||a |lu urlu| orarg |a|r dar l|da| l|rgga| serurar.
Narur |ord|s| yarg arer lerseoul o|sa lerjad| d| lrdores|a, ser|rgga ja|ar |e|uarrya ada|ar: jargar perrar reroer||ar relerers| per le|epor, alaupur
|a|au reroer||ar relerers| rarus|ar lerlu||s, d|lardalargar| d| alas relera|, dg perryalaar oarWa s| peroer| relerers| rarya rergera| orarg yarg
d|oer| relerers| dg |apas|las seoaga| apa (ara| ouar, saudara) dar l|da| oerlarggurg jaWao alas sega|a sesualu yarg oerruourgar dg orarg yarg
d|oer| relerers|.
b. Per|ukah mempunya| kartu kred|t?
1). 3eoaga| a|al garl| peroayarar.
Karlu |red|l dapal d|pergura|ar seoaga| a|al garl| peroayarar, ser|rgga ||la la| per|u reroaWa oarya| uarg lura|, yarg dapal oer|s||o r||arg alau
jalur d| ja|ar. Ka|au ||la s||ap| dg ral|-ral|, seoelu|rya |arlu |red|l dapal oergura |arera ||la seo|ar-o|ar rerdapal gaj| dooe|, |arera lag|rar |arlu
|red|l oaru d|oayar|ar pada ou|ar oer||ulrya.
2). 3eoaga| cadargar.
Karlu |red|l juga dapal d|gura|ar seoaga| cadargar urlu| |eper|uar rerdada|, seperl| j||a l|oa-l|oa ada |e|uarga yarg sa||l dar per|u d| raWal d| rurar
sa||l, ra|a peroayarar uarg ru|a dapal rerggura|ar |arlu |red|l, ra| |r| la| rerepol|ar d|oard|rg j||a ||la rarus |e ATV du|u alau rerca|r|ar uarg
d| 8ar|.
3). Veroarlu re|a|u|ar peroayarar alas lag|rar re|er|rg rurar largga.
Pada |arlu |red|l ada las|||las one o|||, arl|rya ||la o|sa rer|rla |epada 8ar| perero|l |arlu |red|l urlu| se|a||gus reroayar|ar lag|rar alas re|er|rg:
||slr||, lag|rar le||or/rard prore, lag|rar PAV, lag|rar |rlerrel serla lag|rar-lag|rar |a|rrya dg sepergelaruar |rlars| yarg rerge|uar|ar lag|rar
lerseoul. 0g der|||ar sel|ap ou|ar ||la l|da| d|s|ou||ar reroayar |e oeoerapa |rslars|, rarur peroayarar dapal d||a|u|ar se|a||gus re|a|u| |arlu
|red|l, yarg |argsurg d||a|u|ar perdeoelar sel|ap ou|arrya.
c. aga|mana menge|o|a pembayaran kartu kred|t?
0ar| oeoerapa |eguraar d| alas, ra|a pergguraar |arlu |red|l rarus d||a|u|ar secara ral|-ral| agar ||la la| lerjeoa| pada perge|uarar uarg yarg l|da|
per|u. 0g oeroaga| |erudararrya, serla oarya|rya |r|rg-|r|rg oerupa orosur yarg d|||r|r o|er perero|l |arlu |red|l, apao||a l|da| ral|-ral|, ra|a ||la
a|ar rudar oerrularg yarg pada a|r|rrya a|ar reryu||l|ar peroayararrya.
Karlu |red|l ada|ar |red|l dg r|s||o l|rgg|, ser|rgga 8ar| reroer||ar ourga l|rgg|, seoaga| corlor:
8ar| A: a) Peroayarar r|r|rur 10 dar| lola| lag|rar alau Rp.50.000,- lergarlurg rara yarg |eo|r oesar. o). 8urga 1,255 per ou|ar a|ar d|r|lurg
alas sa|do lerrularg rar|ar d|ru|a| dar| largga| re|a|u|ar lrarsa|s|. 8esar ourga dapal oeruoar seWa|lu-Wa|lu. 8urga d||era|ar j||a l|da| reroayar
perur alau reroayar sele|ar re|eWal| largga| jalur lerpo.
8ar| 8: a) Peroayarar r|r|rur ada|ar rara yarg |eo|r oesar arlara Rp.50.000,- alau 10 dar| lola| lag|rar . o). 8urga 3,50 per ou|ar alau 12
per larur. 8urga d||era|ar j||a reroayar |urarg dar| lola| lag|rar, alau reroayar sele|ar largga| jalur lerpo, d|r|lurg alas sa|do rar|ar sele|ar
largga| lrarsa|s|. 3u|u ourga yarg oer|a|u ada|ar yarg lercarlur pada Leroar perag|rar 8urga yarg a|ar d|lag|r|ar pada Leroar Perag|rar
oer||ulrya.
Ve||ral l|rgg|rya su|u ourga yarg d|oeoar|ar |epada peregarg |arlu |red|l yarg l|da| reroayar perur lag|rarrya, seoa||rya gura|ar |arlu |red|l
sesua| dg rercara |euargar, serla |a|u|ar peroayarar perur seoe|ur largga| jalur lerpo. 8|sa d|||ral oarWa |eler|aroalar peroayarar, a|ar
d||era|ar ourga yarg sargal l|rgg| (pada 8ar| 8=12 perlarur).
Apao||a ||la |rg|r re|a|u|ar lrarsa|s| dg |arlu |red|l, pasl||ar oarWa ||la rerarg rerpurya| rercara urlu| reroe|| oararg lerseoul, dar ya||r dapal
re|uras| se|urur lag|rar seoe|ur largga| jalur lerpo.
0|lu||s o|er edralra
APA YANC PERLU 0|PERhAT|KAN ACAR TAK HEHEAN| KEUANCAN KELUARCA
0onsumers |oan alau |red|l |orsurl|l rerupa|ar p|rjarar yarg d|pergura|ar urlu| |eper|uar |orsurl|l, arlara |a|r; |red|l perurarar, |red|l roo||, |red|l
rolor, |arlu |red|l, |red|l urlu| reroayar uarg se|o|ar ara| dso rya.
Pada saal |r| oarya| 8ar| yarg gercar rerg|r|rg-|r|rg| |red|l |orsurl|l pada para |orsurer. Pada dasarrya |red|l |orsurl|l l|da| se|a|u je|e|, oar|ar
oarya| yarg o|sa rerdororg e|oror| |e|uarga rerjad| |eo|r oa||, asa| d|rarlaal|ar dg seoa||-oa||rya. Pada ururrya su|u ourga |red|l |orsurl|l |eo|r
l|rgg| d|oard|rg |red|l produ|l|l, oar|ar ada yarg l|xeo rare. Ke||ralarrya l|xeo rare rerudar|ar urlu| rerala |euargar |e|uarga, l|rgga| reroayar
argsurar sel|ap ou|ar dg jur|ar yarg sara, lelap| |a|au d|r|lurg secara le||l| seoelu|rya ourgarya jaur |eo|r l|rgg|. la| |r| seja|ar dg l|rg|al r|s||orya yarg
|eo|r l|rgg|, ser|rgga ourga juga d|oeoar| |eo|r l|rgg|.
Agar |euargar |e|uarga lelap oerja|ar |arcar, dar |eg|alar oe|ajar ara|- ara| lelap oerja|ar, ra|-ra| yarg per|u d|perral||ar ada|ar:
1. Tujuar rergaro|| |red|l |orsurl|l
V|sa||ar |red|l urlu| reroe|| |erdaraar.
X |rg|r reroe|| roo|| rer| Toyola ser||a| Rp.100 jula, urlu| d|pergura|ar seoaga| |erdaraar pu|arg perg| |e |arlor. Va|a yarg per|u d|perral||ar
ada|ar, oaga|rara l|pe rer| roo|| lerseoul, apa|ar peraWalar rudar, rarga orderd|| rerada| dar rudar d|pero|er d|pasar . 0g peroe||ar roo||,
a|ar |eo|r rerudar|ar lrarporlas| A urlu| pu|arg perg| |e |arlor dar |erdaraar juga dapal d|lurgs||ar urlu| |eper|uar |a|rrya.
2. Cerral| cara peroayarar ourgarya.
wa|aupur ourga lelap secara perr|lurgar |eo|r rara|, rarur r|s||o a|ar |eo|r rerdar j||a lerjad| peruoarar s|luas| e|oror|, d|oard|rg j||a ourga
rergaroarg (l|oar|ng rare).
PeraWarar 8ar| A: a) uarg ru|a r|r|ra| 20. o)8esar argsurar urlu| pegaWa| ra|s|ra| 10 gaj|/pergras||ar lelap (rake nome pa,) d|laroar dg
50 pergras||ar laroarar. urlu| pergusara d|lelap|ar seoesar 10 dar| |aoa sele|ar d||urarg| o|er cosr ol ||v|ng. c) Fa|lur/|nvo|ce dar ou|l|
|eper||||ar (8PK8) d|jad||ar jar|rar.d) Jarg|a Wa|lu roo|| oaru 5 larur, roo|| oe|as 3 larur dar sepeda rolor oaru 3 larur.
PeraWarar 8ar| 8: 8ar| 8 reraWar|ar |red|l ru|l|gura, dg oeroaga| l|rg|alar su|u ourga. Prograr oerjarg|a Wa|lu 5 larur, dar ops| peroayarar
ourga ada 2 (dua) ops|: Perlara, su|u ourga lelap 12,5 per larur se|ara ||ra larur. Kedua, su|u ourga lelap 10,98 per larur, urlu| larur
perlara, dar ourga 13,5 per larur urlu| erpal larur oer||ulrya.
urlu| rer|||r rara yarg |eo|r lepal, rarus d|r|lurg secara le||l|, dar d|sesua||ar dg |ord|s| |euargar ras|rg-ras|rg
3. 8erapa argsurar per ou|ar, oard|rg|ar dg perdapalar oers|r per ou|ar
Apao||a X |rg|r rer|||r peraWarar 8ar| A, ra|a d|a rarus reroayar uarg ru|a seoesar Rp.20 jula, yarg dapal d|perr|lurg|ar dg argsurar roo||. 0g
jarg|a Wa|lu pero|ayaar 3 larur, ra|a argsurar per ou|ar se||lar Rp.2.825.000,- Argsurar oers|lal lelap dar l|da| a|ar oeruoar se|ara rasa
pero|ayaar res||pur lerjad| l|u|luas| su|u ourga pasar.
8|aya-o|aya |a|r yarg ras|r rarus d|s|ap|ar ada|ar; asurars| |erdaraar se|ara jarg|a Wa|lu pero|ayaar, asurars| j|Wa, serla o|aya adr|r|slras|.
Calalar:
8esarrya argsurar seoa||rya jargar sarpa| re|eo|r| 10 dar| pergras||ar lelap. Ta| dapal d|purg||r|, oarWa ada 8ar| yarg oerar| reraWar|ar
|erudarar, sarpa| dg Z0 dar| pergras||ar lelap, seoa||rya ra| |r| la| d||a|u|ar. K|la rarus se|a|u oerp|||r oarWa argsurar |erdaraar perou|ar,
ada|ar rerupa|ar garl| o|aya lrarsporl per ou|ar, serla oesarrya argsurar ada|ar pergras||ar lelap sele|ar d||urarg| cosr ol ||v|ng d|laroar cadargar
j||a lerjad| |eadaar darural.
APA YANC PERLU 0|PERhAT|KAN UNTUK HEHULA| 8EUAh U8AhA?
urlu| reru|a| seouar usara oaru, per|u d|oual perercaraar yarg ralarg. la| yarg sargal perl|rg ada|ar rererlu|ar jer|s usara apa yarg coco| urlu|
d|rasu||. la| |r| ler|a|l dg |erarpuar ras|rg-ras|rg orarg, |arera urlu| reroual usara oaru, rarus oerar-oerar rerarar| proses o|sr|s dar| A-Z usara
yarg a|ar d|ge|ul|, oeserla r|s||o-r|s||o rya. K|ra-||ra produ| apa|ar yarg a|ar d|jua|, alau d|produ|s|, |erara perasararrya, serla oaga|rara segrer
pasar yarg a|ar d|luju?
0ar| perja|arar saya saal d||a|u|ar pe|al|rar |eW|rausaraar, serla perleruar dg oeoerapa pergusara uVKV (usara V||ro, Kec|| dar rerergar), secara
r|rg|as saya a|ar rercooa reroaras, oaga|rara rere|a reru|a| aWa| usara sarpa| dg oerras|| seperl| se|ararg |r|.
a. |ndustr| garmen
3aya |era| |ou Arl| (rara sararar) saal saya rergurjurg| usararya yarg ler|ela| d| |ola Pasuruar. lou Arl| rergaWa|| usara dg roda| Rp.5 jula. lou
Arl| |u|usar 3VKK, serla seja| |ec|| reryerarg| |eraj|rar largar, reryu|ar dar rerjar|l. AWa|rya lou Arl| rarya rerjar|l urlu| |eper|uar serd|r| dar
|e|uargarya. 3ele|ar rer||ar, |ou Arl| ||ul ar|sar d|W||ayarrya, lerar-lerar rya rerarya|ar d|rara |ou Arl| reroe|| pa|a|ar yarg saal |lu sedarg
d|pa|a|rya. A|r|rrya lerar |ou Arl| reresar pa|a|ar pada |ou Arl|. Karera ra||r oarya| pesarar, |ou Arl| rerer|u|ar laroarar |red|l roda| |erja,
yarg oerasa| dar| |red|l r||ro dar| 8ar| yarg oer|o|as| d| de|al lerpal l|rgga|rya. 0g p|rjarar uarg dar| 8ar|, serla ras|| d|s|us| dg pelugas 8ar|, saal
|r| |ou Arl| le|ar rerpurya| snou room urlu| rerajarg ras|| |reas|rya (desa|r pa|a|ar lelap d|pegarg o|er |ou Arl|), serla uorksnop lerpal para
pe|erja rerjar|l pa|a|ar dar ras|| |eraj|rar largar |a|rrya. las|| produ|s| l|da| rarya urlu| da|ar reger|, lelap| seoag|ar d|e|spor oerdasar pesarar
|e Va|ays|a, 8rure| dar T|rur Tergar re|a|u| lerrer ol 0reo|r (L/C) . urlu| rerjaga agar su|arar rap|, yarg seoag|ar oerupa leraWarg (ada su|arar
dar |uoarg-|uoarg yarg d|oord|r d|se||larrya), pe|erja rerggura|ar so|der urlu| re|uoarg| ser|rgga oerlu| ou|alar-ou|alar o|sa rap|r.
b. |ndustr| tenun
Pa| V reru|a| usara dg roda| Rp.10 jula, yarg d|oe|||ar a|al lerur AT8V (A|al Terur 8u|ar res|r). AWa|rya pa| V rerjad| pegaWa| perusaraar
sWasla, rarur d|a |rg|r o|sa rard|r| dar rerjad| oos alas usararya serd|r|. 0g AT8V yarg rarya salu ouar, pa| V ru|a| reroual |reas| ras||
lerurarrya, yarg arlara |a|r d|gura|ar urlu| r|asar, lerpal garlurgar |urc|, las, sarda|, dorpel d|| dg Warra-Warra yarg rerar||. urlu|
rergeroarg|ar usara, pa| V d|oarlu p|rjarar roda| 8ar|, serla oarluar |orsu|las|. 3aal |r| pa| V le|ar rer||||| 2 sroW roor d| |ola Va|arg dar
rer|l|p|ar ras|| |aryarya d| oeoerapa perlo|oar d| Ja|arla. 3aal |r| pa| V d|oarlu o|er |edua ara|rya, yarg le|ar |u|us dar| perguruar l|rgg|, d| o|darg
rar|el|rg dar desa|r.
c. Pertan|an anggrek
Arggre| pa| l sargal d||era| d| |ola Va|arg dar se||larrya. AWa|rya pa| l rarya rerarar arggre| se|edar nooo,, rarur |erud|ar |rg|r
rerperda|ar arggre| |eo|r |arjul. Pa| l oe|ajar dar| doser dar raras|sWa lP8 yarg rerarg oer|ec|rpurg d| o|darg arggre|, oaga|rara cara
reraWal, re|a|u|ar pery||argar dso rya agar d|ras|||ar oeroaga| ourga arggre| yarg reraWar.
urlu| rerja|ar|ar usara serar|-rar| pa| l d|oarlu o|er para pegaWa|, yarg le|ar d|d|d|| urlu| re|a|u|ar pery||argar, rer|rdar|ar lararar yarg
le|ar lurour dar| oolo| |e pol ourga. 3aal |r| arggre| pa| l ou|ar rarya reroual |e|rdarar d|ra|arar sarp|rg dar depar rurarrya, lelap| juga
le|ar rergras|||ar |eurlurgar.
d. H|n|market
Pada aWa|rya pa| 8 d| arlara |es|ou|arrya rerpurya| 300 ayar pele|ur, yarg d|usara|ar d| pe|arargar rurarrya yarg cu|up |uas d| daerar Ja|arla
3e|alar, sedarg|ar Ny.8 gerar rerarar ourga lerulara arggre|. 0aerar Ja|arla 3e|alar pada larur 0 ar oarya| d|l|rgga|| para e|spalr|al. Pada
sualu rar| seorarg e|spalr|al reroe|| le|or pada Ny. 8. Kerud|ar Ny 8 rerarg|a| le|or lso pada salu |erarjarg dg d|oer| dua |urlur arggre| seoaga|
r|asar. la| lso reroer||ar surpr|se oag| e|spalr|al lerseoul, dar d|a |a|u rercer|la|ar pada lerar-lerarrya oarWa j||a oe|| le|ur pada Ny. 8 a|ar
d|rarg|a| dar d|r|as lararar arggre|. 3eja| saal |lu |arggarar peroe|| le|or Ny.8 ada|ar para ryorya e|spalr|al. Keoelu|ar Ny.8 serarg rerasa|,
rerala rurar dar rerarg|a| ourga. 3aal para peroe|| dalarg, rere|a rergooro| dar| ru|a| rasa|ar sarpa| cara rerarg|a| ourga. A|r|rrya peroe||
reryarar|ar pada Ny. 8 oaga|rara |a|au rerjua| oarar oa|u alau oeroaga| ourou urlu| rasa|ar, yarg saal |lu sargal su||l d|car| oararrya,
|rususrya urlu| rasa|ar 8aral. Vu|a||ar pa| 8 reroual lo|o sederrara, se|a|r urlu| rerjua| oarar ra|arar, oarar urlu| rerasa|, juga lerpal
perleruar dar cara oe|ajar rerasa|. To|o |r| |erud|ar rerjad| r|r|rar|el. Pa| 8 ru|a| oerp|||r oaga|rara rerdapal|ar peraso| sayurar segar,
|erud|ar oe|erja sara dg pelar| sayur dar ouar d| Purca| dar Leroarg. Agar ras||rya oagus, pa| 8 reroer| oarluar o|o|l, pupu| urlu| rerarar
sayur dar ouar lerseoul, dar |a|au Wa|lurya parer, pa| 8 a|ar reroayar ser||a| rarga pasar, a||oalrya ruourgar pa| 8 dg para pelar| ras|r
oerja|ar oa|| sarpa| saal |r| (se||lar 39 larur). Pa| 8 |erud|ar reroargur usara |a|r, yarg |rusus reraso| oarar ra|arar |e superrar|el, seperl|
oa|so, sos|s dso rya, yarg seruarya resep dar| Pa| dar Ny. 8
0ar| peraparar d| alas, apa yarg dapal ||la pel|| seoaga| pe|ajarar? 8arWa j||a |rg|r reru|a| oerW|rausara, seoa||rya usara yarg sesua| dg
|erarpuar ||la, ser|rgga l|da| su||l urlu| rerpe|ajar| r|s||o usara yarg a|ar d|ja|ar|ar. 3eoaga|rara |ou Arl|, d|a rer|||r |rduslr| garrer, |arera
sesua| dg r|ral dar oa|alrya, yarg serarg dg |eraj|rar largar, serla serarg rerjar|l. 0er|||ar juga dg pa| l, o|sr|s arggre|rya d|ru|a| dg nooo,,
ser|rgga d|a oelu|-oelu| reryerarg| dar rerarar| o|sr|s yarg d|usara|ar.
Pada a|r|rrya, sel|ap usara rarus d|ru|a| dg |erarpuar yarg ada pada d|r| ||la, serla oerar2 d||a|u|ar perarlauar rar| per rar|, agar sel|ap gejo|a|
dapal segera d|alas|. 3e|aral rercooa rerjad| W|rausara.
ACA|HANA 100.000 0RANC 8UPAYA HEHER| RP 10.000 KEPA0A AN0A
T|da|l la ou|ar seperl| yarg arda l|||r|ar. wa|aupur laju|rya aga| |orlrovers|, |a seoerarrya ada|ar sa|ar salu o|sr|s yarg sargal rergurlurg|ar.
AN0A |8A HEN0APAT UANC 0C HEHER| 0|8KET K0HPUTER 8E6ARA CRAT|8
0|er |arera |lu apa yarg per|u arda |a|u|ar |a|ar reroual sa||rar 25 |aporar yarg arda rasa pa||rg leroa|| dar save |ar |eda|ar salu d|s|el.
Rp 10,000 0|8KET CRAT|8!!
J||a salu |aporar oerrarga Rp10.000, jad| 25 |aporar |a|ar Rp250.000l lr| oerarl| arda o|sa rerjua| salu d|s|el pada rarga Rp100.000 j||a arda rau.
wa|aupur oeg|lu lerdapal salu cara yarg |eo|r oagus dar |eo|r rergurlurg|ar. Cara pa||rg cepal urlu| rerdapal|ar uarg |a|ar dg reroer||ar d|s|el
lerseoul secara gral|slll
PA8ANC |KLAN
Cara urlu| rercar| rere|a yarg oerr|ral |a|ar dg rerasarg |||ar d| sural |aoar yarg ler|era|. Pasarg |||ar seperl| oer||ul :
CRAT|8 25 6ARA 0APAT 0U|T 0AR| RUHAh!
HU0Ah 0AN HENCUNTUNCKAN! TANPA H00AL!
UNTUK 0|8KET CRAT|8 P08KAN RP 10.000 UNTUK
|AYA PENC|R|HAN KEPA0A : ALAHAT AN0A
VEN0APAT PE3ANAN
Apao||a arda rerdapal pesarar, arda rarya per|u reroual sa||rar d|s|el lerseoul yarg oer|s| 25 |aporar |r| dar pos|ar |epada rere|a. 0g d|s|el oerrarga
Rp2.500 dar o|aya perg|r|rar Rp1.500, |eurlurgar arda |a|ar Rp.000ll
0|er |erara |a gral|s, rara| yarg a|ar rerjaWao |||ar arda. 3|rpar rara dar a|aral rere|a urlu| |eguraar prograr-prograr arda yarg |a|r.
Terus|ar rerasarg |||ar ser|rgga pesarar arda rercapa| 100.000 0rarg alau Rp1 V|||yar d| oar|l
la rurg||r rera|ar Wa|lu lelap| l|da| ruslar||ll
ACA|HANA 6ARA HEHULA| U8AhA RENTAL
(3Tu0l KA3u3) Pa| 0oza||, saya |rg|r reru|a| rerou|a usara secara |er|lraar (rercara dg lerar salu arg|alar d| |u||ar). Vasa|arrya, saya oe|ur
rerpurya| perga|arar d| dur|a usara. Apa |arg|ar perlara yarg seoa||rya saya |a|u|ar?
usara yarg cooa |ar| r|rl|s ada|ar rerla| p|ayslal|or |arera roda| rurg||r o|sa oerasa| dar| orarglua. 8aga|rara cara yarg ele|l|l urlu| reya||r|ar
rere|a? Voror adv|srya. Edrus-3o|o
Jawaban:
urlu| reru|a| usara apapur, Arda rarus rergerl| dg oa|| se|u| oe|u| usararya ler|eo|r daru|u. V|sa|rya urlu| usara rerla| |r| ada|ar oerapa rarga gare
slal|or |erg|ap dg Tv, |aoe|-|aoe| dar |a|rrya. Perra|rar apa yarg d|su|a| o|er |orsurer dar oaga|rara rerdapal|ar up-dale perra|rar leroaru. Jargar
|upa juga lerpal urlu| serv|s j||a seWa|lu-Wa|lu lerjad| |erusa|ar. 0ar lerlu saja ara||sa pasar seperl| us|a |orsurer, Wa|lu pa||rg rara|, serla |orpel|lor.
Krusus urlu| usara r|ourar seperl| |r|, Arda juga per|u rerperl|roarg|ar darpa| sos|a|rya agar l|da| lerjad| pers|rggurgar dg rasyara|al se||lar. 3e|a|r
se|u| oe|u| usararya yarg per|u Arda |uasa| dg oa||, Arda juga per|u reroual |esepa|alar yarg ralarg dg r|lra Arda. 8erapa peroard|rgar roda| yarg
a|ar d|selor|ar, apa perar ras|rg-ras|rg r|lra, dar oerapa |orpos|s| oag| ras||rya.
3edarg|ar urlu| reya||r|ar |rveslor, ada dua ra| yarg per|u Arda ya||r|ar. Perlara ya|lu |e|aya|ar usararya. Ke|aya|ar usara |r| lerlu saja per|u
r|lurg-r|lurgar d| alas |erlas yarg o|sa rerurju||ar oarWa usara |r| o|sa rergurlurg|ar. Per|u d|carlur|ar juga re|ar|sre |erja sara dg |rveslor
seperl| rasa|ar pergeroa||ar roda| dar peroag|ar |eurlurgarrya. Yarg |edua, se|a|r |e|aya|ar usara ya|lu |e|aya|ar perge|o|arya. lrveslor pr|oad|
o|asarya sargal rerperral||ar se|a|| la|lor |epercayaar lerradap perge|o|a dar |erarpuarrya urlu| rerja|ar|ar usararya dg oa||. la| |r| Wajar saja
|arera |rveslor a|ar rerpercaya|ar sejur|ar uarg pada perge|o|a. 3er|rgga perge|o|a per|u reya||r|ar |rveslor oarWa rere|a o|sa d|percaya, rer|||||
|apao|||las urlu| rerge|o|a usara, dar usara yarg d|ja|ar|ar pur prospe|l|l dar rergurlurg|ar juga urlu| |rveslor. 3e|aral oerusara...
Arrad 0oza||
ACA|HANA HEHAC| hA8|L U8AhA YANC A0|L
(3Tu0l KA3u3) 3aya saal |r| rerou|a usara |red|l oararg corsurer goods dg salu orarg pe|erja. 3|slerrya oag| ras|| 0 (urlu| saya, per|||| roda|
se|a||gus perge|o|a) dar 10 urlu| pe|erja. 3e|ara |r| peroe||ar oararg d||a|u|ar pe|erja, dar saya l|da| laru oerapa |or|s| yarg d|a ler|ra dar| lo|o.
Ad|||ar oag| ras|| yarg sudar saya lerap|ar |r|? Kerud|ar, saya juga oerercara urlu| rergeroarg|ar o|sr|s |r| r|r|p VLV |ec||-|ec||ar, d|rara pe|erja
yarg se|ararg rerjad| |oord|ralor oeoerapa sa|es. Verurul 8apa|, oaga|rara s|sler yarg ad||? Rercara saya ada|ar soo: 50 urlu| saya, 15 urlu|
|oord|ralor dar 35 urlu| sa|es, |arera proses pergadaar oararg |oord|ralor yarg rerargar| dar saya l|da| rau laru |or|s| yarg a|ar d|a ler|ra dar|
lo|o. Alas jaWaoar dar| 8apa|, saya ucap|ar ler|ra |as|r. lasar
Jawaban:
3eperl|rya usara Arda sudar cu|up raju ya pa| lasar. 0ar Arda pur sudar rer||||| rercara pergeroargar urlu| usara Arda |r|. 3eroga usara Arda
oerja|ar dg |arcar dar oa|| ya, pa|. Vergera| oesarrya oag| ras||, seoelu|rya l|da| ada palo|ar pasl| oerapa |orpos|s| yarg ad||. Verurul saya, yarg ad|| |lu
ada|ar yarg sudar d|sepa|al| o|er |edua oe|ar p|ra| larpa rerasa lerpa|sa sara se|a||. Ka|au se|ara |r| perge|o|a usara rerasa serarg dg |orpos|s|
yarg d|oer||ar, ou|ar |arera lerpa|sa l|da| purya pe|erjaar |a|r, |lu arl|rya ad|| urlu|rya.
8eg|lu juga j||a Arda rerasa serarg dg oag| ras|| yarg Arda ler|ra, ou|ar |arera lerpa|sa susar rercar| orarg |a|r yarg jujur, |lu arl|rya Arda sudar
rerasa ad||. 8eg|lu juga dg s|sler oag| ras|| yarg a|ar d|lerap|ar |erud|ar oer|a|lar dg rercara pergeroargar usara Arda.
Yarg rurg||r rarus d|r|lurg |eroa|| ada|ar j||a jar|rgarrya sudar oerlaroar oarya|. Ka|au Arda rarya a|ar reroual slru|lur |oord|ralor dar sa|es,
rurg||r l|da| su||l. Tap| perr|lurgar |orpos|s| rurg||r per|u d|r|lurg u|arg j||a sudar ada oarya| sa|es d|oaWar |oord|ralor lerseoul. Apa|ag| |a|au sa|es |lu
rere|rul sa|es |ag| dar selerusrya.
3alu ra| |ag| yarg per|u Arda perral||ar juga ya|lu rergera| |or|s| dar| lo|o supp||er. wa|aupur Arda l|da| rerasa |eoeralar dg |or|s| yarg d|ler|ra o|er
perge|o|a usara Arda rerg|rgal d|a|ar yarg se|ara |r| re|a|u|ar oe|arja. Tap| per|u d|perral||ar juga apa|ar dg adarya |or|s| |lu a|ar rerpergarur|
rarga oararg yarg d|oe||. V|sa|rya, lo|o l|da| reroer||ar d|s|or urlu| rarga oararg, re|a|r|ar reroer| |or|s| urlu| perge|o|a. Alau ra|ar lo|orya
sergaja rera|||ar rarga dar perge|o|a rerer|ra rarga lerseoul |arera sudar rerer|ra |or|s|. Cooa ce| oerapa rarga oe|| yarg o|sa d|dapal|ar o|er
perge|o|a. J||a ras|r da|ar ||sarar rarga pasar yarg Wajar, l|da| rergapa. Tap| |a|au sudar d| alas rarga pasar yarg Wajar, |r| lerlurya rerurur|ar daya
sa|rg usara Arda. Karera Arda reroe|| |eo|r rara|, ra|a oloral|s Arda pur rerjua| dg |eo|r rara|.
3e|aral rergeroarg|ar usara pa| lasar. Arrad 0oza||
ACA|HANA HEHPER0LEh RP 1.000.000 8EH|NCCU 0C KAHERA AN0A!
J||a arda |rg|r ||r| rau rercapa| |eoeoasar |euargar, o|er |arera |lu arda rarus rercar| |de urlu| reroual o|sr|s serd|r|. 3a|ar salu pe|uarg |urayar
|a|ar rerjad| juru lolo oeoas. J||a arda oerusara oersurggur-surggur arda o|sa rerdapal arlara Rp500.000 ~ Rp1.000.000 ser|rggu.
3eoaga| perru|aar apa yarg arda per|u|ar |a|ar |arera yarg sederrara rargarya. lap| rulu |arera rarus d| aro|| perral|ar |arera seoag|ar |arera
yarg rurar rergras|||ar lolo yarg l|da| je|as. Arda juga rerer|u|ar |arpu spol||grl dar slard, dar seouar |arar r|lar-pul|r seoaga| slud|o arda. T|da|
per|u reroe|| pera|alar yarg cargg|r, seoaga| juru lolo oeoas yarg perl|rg |a|ar |ua||las lolo yarg arda aro|| dar ou|arrya peraool |ayu yarg oer|||al - |a
l|da| reroer| arl| apa-apa |epada pe|arggar arda.
8erapa oarya| uarg yarg arda dapal ada|ar lergarlurg |epada usara yarg arda rau oer||ar da|ar o|sr|s |r|. Ke|eo|rar seoaga| juru lolo oeoas |r| |a|ar
arda dapal rercar| pasarar arda serd|r| dar rerelap|ar rarga arda serd|r|. J||a arda rarya raru oe|erja pada ujurg r|rggu, arda o|sa rerpero|er
arlara Rp1.000.000 ser|rgga Rp2.000.000 dg rergaro|| lolo-lolo per|aW|rar secara pa|el. J||a arda rergaro|| |epulusar urlu| rerjad| pe|erjaar
ulara/po|o|, arda o|sa rerpero|er Rp50.000.000 alau |eo|r lergarlurg |epada |epa|arar arda. la lergarlurg |epada salu per|ara, |eparda|ar arda
rerggura|ar |arera urlu| rergras|||ar produ| yarg oer|ua||las. 0rarg sarggup reroayar rarga yarg l|rgg| j||a ras|| |erja arda cu|up reruas|ar.
0a|ar parduar |r| |ar| rergarggap arda sudar rergelaru| oaga|rara rerggura|ar |arera, rergaro|| lolo, parcarar |arpu, |orpos|s| dar lerr||
|arar ge|ap. Kerud|ar arda per|u laru oaga|rara reroual uarg dergarrya.
Peralurar perlara yarg per|u d||rgal |a|ar arda rarus jujur dg |erja yarg d||a|u|ar. J||a arda d|laWar|ar |erja lelap| arda l|da| oeg|lu rar|r, |ala|ar saja
l|da| dar lerarg|ar apa|ar |ear||ar yarg arda r|||||. Apao||a arda rerdapal laWarar yarg a|ar dalarg, repulas| arda a|ar d|aro|| pedu|| dar sudar pasl|
oe||au a|ar |eroa|| seru|a 1) |erara oe||au percaya dg |ejujurar arda 2) |erara j||a arda oer|ala o|sa oerarl| arda o|sa rergerja|arrya.
|KLANKAN KERJA AN0A PA0A P0RTF0L|0
8ual porllo||o ya|lu |||ar |erja arda pada salu |erlas yarg oerWarra dar r|lar pul|r oeru|urar 8x10 urlu| d|lurju||ar pada ca|or pe|arggar arda. Porllo||o
yarg oagus rarus|ar d| |s||ar dg lolo/s||des oeu|urar 35rr. Tayarg|ar pada |arlu oeru|urar 8.5x11 yarg d||ap|s| dg p|asl|| yarg o|sa d| |s| seoarya| 20
s||des.
Apao||a arda sudar rerasa puas dg porllo||o arda, le|por ager per|||arar dar lurju||ar |epada pergurus arl|s rulu |erja yarg arda o|sa |a|u|ar. 8ual
lerujarj| dg lo|o-lo|o oul|| dar lo|o-lo|o pa|a|ar d| pusal peroe|arjaar. Jargar |upa urlu| oerjurpa dg |rduslr| dar paor||-paor|| yarg rurg||r a|ar
rerggura|ar jasa arda.
8ersed|a urlu| rerurju||ar porllo||o arda pada sel|ap Wa|lu. 3el|ap orarg ada|ar ca|or pe|arggar dar arda l|da| laru |apar|ar rasarya arda a|ar
oerjurpa rere|a. 8aWa porllo||o arda da|ar roo|| pada sel|ap Wa|lu. J||a arda oeroargga dg |erja arda, lurju||arl
TAhU ACA|HANA hEN0AK HELETAKKAN hARCA
Per|ara ulara yarg per|u d||rgal |a|ar arda rerja|ar|ar o|sr|s ou|ar|ar urlu| reroer||ar dg gral|s. Arda rarus laru apa|ar rarga yarg palul d||ela||ar
yarg sesua| dg rulu |erja arda.
Arda rurg||r le|ar rergreral sed|||l o|aya apao||a oergera| secara sarp|rgar larpa per|u reroayar seWa slud|o dar reroayar gaj| pe|erja, lelap| arda
resl||ar laru rarga yarg sepalulrya supaya arda o|sa reroayar dara dar usara arda rerdapal |eurlurgar seWajarrya.
0ua cara urlu| rerdapal|ar upar 1) Arda o|sa re|ela||ar rarga oag| sel|ap |erja - ya|lu rerg||ul jur|ar l||r yarg d|gura|ar 2) Arda o|sa re|ela||ar
rarga oag| sel|ap jar yarg sel|rpa| dg |erja dar oa|al arda. larga |r| l|da| lerrasu| rarga l||r, rercuc| dar seoaga|rya.
UAT Rp 50.000.000 8ETAhUN EKERJA 8ATU hAR| 8EH|NCCU
3ara ada e|oror| oa|| alau l|da|- pasl| a|ar ada orarg yarg oer|aW|r dar |erja urlu| juru lolo oeoas.
l||ar dar| ru|ul |e ru|ul ada|ar a|al perasarar yarg leroa|| Wa|au apa pur produ| yarg arda jua|. la a|ar rerjad| sera||r cepal j||a arda rergaro|| lolo
pergarl|r dar re|ela||ar rarga Rp1.000.000 oag| sel|ap lolo urlu| |edua-dua |e|uarga, lolo d|rd|rg dar a|our |sl|reWa urlu| pergarl|r. Kerud|ar apao||a
rere|a rergurdarg |aWar-|aWar urlu| re||ral, d|s|r||ar sarar arda a|ar ru|a| rer|rg|al.
Arda juga o|sa rerurju||ar ras|| |erja arda |epada |eda| ourga dar |eda|-|eda| pergarl|r, oul|| dar |aler|rg yarg ler||oal secara |argsurg dg per|aW|rar.
larya oer|laru |epada rere|a oaraWa arda dg oesar ral| urlu| rerper|era||ar o|sr|s rere|a |epada |ra|aya| rara| dar r|rla rere|a reroual per|ara
yarg sara.
HELETAKKAN hARCA
Pasl||ar oaraWa pergarl|r rergerl| oaga|rara arda re|ela||ar rarga dar apa yarg rere|a a|ar dapal seoaga| |eurlurgarrya. 8eoerapa cara yarg
dapal arda |a|u|ar:
1. TaWar|ar pa|el perur dar|pada raj||s oer|as, oerara| , oersard|rg dar ra|ar-ra|ar
2. Vaj||s oersard|rg dar ra|ar-ra|ar saja
3. Vaj||s oersard|rg saja
urlu| perral|ar arda, raj||s per|aW|rar ada|ar |uou| du|l oag| juru lolo oeoas. 8|asarya juru lolo re|ela||ar rarga Rp500.000 pa||rg rurar urlu|
rergaro|| lolo seoarya| 5 gu|urg l||r. J||a arda rerdapal dua pesarar pada rarga yarg r|r|ra| sel|ap r|rggu, arda o|sa rerpero|er Rp52.000.000
selarur. 8ag| pa|el perur, arda o|sa rerdapal ser|rgga Rp100.000.000 selarurl la rarya oe|erja serar| ser|rggul Cooa oayarg|ar oerapa|ar yarg arda
pero|er j||a arda oe|erja secara rul|rl
KERJA-KERJA LA|N YANC |8A 0| AH|L
Arlara oeoerapa |erja yarg o|sa d|l|||r|ar o|er sel|ap juru lolo oeoas:
1. Vergaro|| lolo ara|-ara| se|o|ar, TK dar seoaga|rya.
2. Varas|sWa yarg rergaro|| |jazar alau d|p|ora ( W|suda).
3. Ager-ager rarlarar
1. Ager-ager per|||arar
5. Polrel |e|uarga
. Polrel o|ralarg pe||rarar
Z. Acara-acara o|arraga
8. Folo polrel |ara|-|ara|
ACA|HANA HEHPER0LEh RP 2.000.000 8EH|NCCU HELALU| K0HPUTER AN0A 0|RUHAh,
EKERJA hANYA 8ATU JAH 8EhAR|
Korpuler rerupa|ar salu pera|alar le|ro|og| oaru yarg dapal reroer||ar oarya| |erudarar da|ar |er|dupar rarus|a . Leda||ar le|ro|og| |orpuler
le|ar oer|a|u dg drasl||rya pada rasa ||r|. 0g |erajuar pere|oror|ar yarg rer|rg-|al|arrya daya oe|| lerradap |orpuler ra|a seoerarrya sera||r
oarya| pe|uarg urlu| ||la re|a|u|ar urusar yarg oarya| rarya dar| rurar.
Korpuler j||a d|gura|ar secara oelu| dar oerdaya |real|l oag| per||||rya dapal rergras|||ar perdapalar yarg sargal |urayar se|a||. 0|er |arera |lu
jargar o|ar|ar |orpuler d|rurar arda yarg d|oe|| dg rarga julaar rup|ar |lu d|l|rgga||ar oerdeou saja alau pur rarya d|ourg|us saja.
Arda o|sa reralaal|ar |orpuler arda urlu| rerjad| a|al oag| rercar| uarg secara ra|a| dg rerggura|ar oeoerapa per|s|ar dar s|sler yarg rudar urlu|
d|||ul| dar d|gura|ar. Verpe|ajar| |orpuler rerupa|ar per|ara yarg aga| rudar dar l|da| seperl| rerper|ajar| per|ara |a|r.
Kar| rerpurya| pergelaruar dar perga|arar yarg sargal oergura urlu| d|oag| oersara arda rergera| cara rerggura|ar |orpuler seoaga| a|al
rercar| uarg. Kar| le|ar rerggura|ar |orpuler urlu| rercar| uarg yarg sargal |urayar se|a|| sel|ap ou|ar d|rara |a le|ar rergras|||ar perdapalar
oe|asar jula rup|ar |epada |ar|.
Korpuler arda rurg||r a|ar rerjad| '|oroorg eras |epada arda se|epas |r|. J||a se|ara |r| arda rarya rerggura|ar seoaga| a|al urlu| ara|-ara|
arda oe|ajar alaupur urlu| arda rerga|ses |ea|ar s|oer (|rlerrel) urlu| rercar| oeroaga| |rlorras|.
3e|ararg saya rarya reroual |erja se|ara salu r|rgga l|ga jar da|ar ser|rggu dg rerggura|ar |orpuler dar re|a|u|arrya rarya dar| reja d|rurar
dar le|ar rerpero|er pergras||ar yarg sargal |urayar se|a||. 0|s|r| |ar| serla|ar oeoerapa cara urlu| rerpero|er pergras||ar yarg |urayar re|a|u|
|orpuler arda d|rurar.
Arda rarya per|u rergaro|| sa|ar salu |de lerseoul dar re|a|sara|arrya secara oerlarap - larap ser|rgga|ar arda o|sa rero|ra perusaraar arda dg
|eo|r oer|esar pada salu rar| rarl|. Arda o|sa rerpero|er pergras||ar ser|rgga julaar rup|ar dg rerggura|ar sa|ar salu dar|pada |de-|de yarg d|oer||ar
|lu. la a|ar rerjad| salu suroer pergras||ar oaru alau pur salu pe|uarg usara oaru |epada arda.
Jargar |epas|ar pe|uarg |eerasar |r| urlu| rer|rg|al|ar |ua||las r|dup arda d|rasa depar apa|ag| d| zarar |egaWalar e|oror| yarg sedarg re|arda
se|ararg |r| d|rara sera||r oarya| pe|erja yarg lerpa|sa oerrerl| secara su|are|a alau pur d|oerrerl||ar |erja |arera a||oal gurcargar e|oror| yarg
aga| parar re|arda regara ||la. Vurg||r arda a|ar lerperarjal |arera arda rarpu rerpero|er pergras||ar yarg jaur |eo|r |urayar dar|pada pergras||ar
d|rasa |a|u.
8eoerapa |de yarg o|sa arda ||ul| oag| rergras|||ar uarg d|rurar re|a|u| |orpuler arda. lde oer||ul |r| le|ar pur d|gura|ar o|er r|ouar orarg d|se|urur
dur|a pada rasa ||r| d|rara |a le|ar rergras|||ar perdapalar oerjur|ar oeoerapa pu|ur o||||or rup|arl
1. 0E3KT0P Pu8Ll3llN0 (PENER8lTAN 0lATA3 VEJA)
0g rerggura|ar sollWare seperl| Word processor, Page Va|er, Core| 0raW, Pr|rlsrop Prer|er, V|crosoll Puo||srer dar |a|r-|a|r |ag|, arda dg rudar
o|sa rerjad| perero|l alau reroual garoar/gral|| reru||s le|s, reroual |||ar, orosur, cala|og, |arlu perusaraar (ous|ress card). Arda juga dapal
reru||s sural oer|la (reWs|eller), reru||s arl||e|, reru||s ou|u-ou|u parduar 'oaga|rara urlu| re|a|u|ar sesualu, urdargar per|aW|rar, |arlu u|arg
larur, |arlu ar||, reru, p|agar, resep. Arda juga o|sa rergaro|| upar rergel|| (lypesell|rg) urlu| pe|ajar ur|vers|las, se|o|ar l|rgg|, a|ader| dar
se|o|ar rerergar alas alau seoag|rya.
urlu| rerasar|ar jasa arda |lu, arda rarya per|u reroual |||ar apa|ar d| papar |||ar (ou||el|r ooard) yarg lerdapal d| pusal-pusal peroe|arjaar,
se|o|ar, rasj|d, deWar, surau alau reroual spardu| d|se||lar rurar arda. 3e|a|r |lu arda juga dapal reroual |||ar d|da|ar sural |aoar daerar. Arda
o|sa rerggura|ar jasa secara pos alau pur secara or||re j||a arda rerpurya| roder pada |orpuler arda. Cara peroayarar o|sa d|oual secara pos,
|arlu |red|l, re|a|u| re|er|rg oar| dar seoaga|rya. Arda l|da| per|u rereru| pe|arggar-pe|arggar arda. Arda juga dapal rerggura|ar a|aral |arlor
pos, a|aral rurar, ere|, Weos|le dar juga rerg|r|r secara la|s lerus |erurar arda.
2. lNF0RVATl0N 8R0KER (8R0KER lNF0RVA3l)
lde |r| sargal rudar, arda rarya per|u rerdapal a|aral |erg|ap dar roroor le|epor oeroaga| agers| perer|rlarar dar sWasla da|ar regara dar |uar
regara. A|aral perusaraar perdagargar dar |a|r-|a|r juga perl|rg. Rara| orarg yarg l|da| rergelaru| cara urlu| rergruourg| seouar agers|
perer|rlarar alau sWasla urlu| reroual dar re|a|u|ar urusar-urusar rere|a.
Arda juga o|sa rergaro|| pe|uarg |r| dar rergera|ar oayarar |epada pe|arggar arda. Corlorrya |a|ar urlu| reroayar re|er|rg-re|er|rg, paja|
|erdaraar, peroe||ar, rercar| roroor le|epor, a|aral. Apa yarg per|u arda oual |a|ar rerou|a re|er|rg d| oar|-oar| yarg reryed|a|ar jasa
peroayarar re|er|rg lag|rar re|a|u| perolorgar s|rparar oar| arda secara or||re.
J||a arda l|rgga| d||aWasar perurarar, aparlrerl, rurar susur, |arpurg, arda dapal rerggura|ar s|sler |r|. Yarg perl|rg arda rarus rerpurya|
sarourgar le|epor, seoa||rya arda reroror salu |ag| sarourgar le|epor supaya l|da| d|garggu o|er le|epor yarg d|gura|ar urlu| pargg||ar
|erurar arda. J||a pe|arggar arda rau reroayar re|er|rg lag|rar apa saja, arda oo|er rergaro|| uarg rere|a, oer||ar roroor re|er|rg dar
re|er|rg pe|arggar arda |epada oar| |lu, |erud|ar oar| a|ar rerolorg jur|ar lerseoul dar| re|er|rg arda.
uarg yarg arda ler|ra |lu oo|er|ar arda rasu||ar |eda|ar re|er|rg oar| arda. Jargar |upa rergera|ar oayarar yarg sesua|, rurg||r oag| salu
re|er|rg d|arlara Rp2.000 r|rgga Rp5.000 alau |eo|r. 8ag| sel|ap rurar o|asarya rere|a rer||||| 3 jer|s re|er|rg lag|rar ya|lu ||slr||, a|r, le|epor. 0g
adarya las|||las yarg arda sed|a|ar, rere|a dapal rergreral oarya| Wa|lu dar l|da| per|u oerarlr| parjarg d| |as|r-|as|r peroayarar.
J||a pe|arggar arda rau rerdapal|ar a|aral alau le|epor agers| yarg |eo|r perl|rg arda o|sa rergera|ar lar|p yarg |eo|r l|rgg|. Jad||ar jasa yarg
arda sed|a|ar |lu |eo|r oeroerlu| |orers|a| alaupur perusaraar dar gura|ar serua s|sler perusaraar seperl| |W|lars|-|W|lars| peroayarar dar
seoaga|rya. Arda juga o|sa rergaro|| upar rerg|s| lorru||r-lorru||r lerlerlu yarg rara rere|a l|da| laru rerg|s|rya. Arda oo|er|ar rergera|ar
lar|p oayarar seoarya| Rp5.000 r|rgga Rp10.000 alau |eo|r urlu| jasa arda.
3. VEN0AJAR K0VPuTER 0lRuVAl
0g adarya |erarpuar |ou oapa reroe|||ar |orpuler urlu| ara|-ara| rere|a, ra|a arda dapal rergaro|| pe|uarg |r| urlu| rerjad| lulor alau
pe|al|r |orpuler d|rurar arda. Arda o|sa rerou|a |e|as |orpuler dg rergaro|| oeoerapa pe|ajar dar reryed|a|ar seouar |arar yarg |osorg
yarg rarya per|u d|oual sed|||l peruoarar saja supaya |e||ralar seperl| |e|as.
8e|| oeoerapa ouar |orpuler rurar(asas) d|oaWar Rp2.000.000 . Arda o|sa rer|sar|ar rala pe|ajarar rergera| |orpuler seperl| pergera|ar
|epada |orpuler, rerperoa||| |orpuler, pergoperas|ar |orpuler, rerpe|ajar| per|s|ar-per|s|ar |orpuler dar oarya| |ag| per|ara rergera|
|orpuler. 3eperl| pergguraar |rlerrel, cara rerga|ses |epada |rlerrel, ere| dar seoaga|rya.
1. VENER8lTKAN 8uKu PAN0uAN '8A0AlVANA uNTuK
0|s|r| arda a|ar d|oer|laru cara urlu| rerdapal|ar uarg yarg oeg|lu |urayar sel|ap rar|/r|rggu dar ou|ar dg cara rerero|l|ar serd|r| ou|u-ou|u
parduar |ec|| alau |aporar-|aporar rergera| |euargar, perdagargar, |de-|de rercar| uarg re|a|u| roo|, |ear||ar dar seoaga|rya. Veru||s ou|u alau
parduar |ec|| |r| l|da||ar oeg|lu susar |erara rarp|r serua per|ara dapal d|jad||ar lop|| alau laju|.
Vurg||r rarya pada larap perru|aar saja arda l|da| laru urlu| reru||s, lelap| j||a arda sudar rereru| laju| yarg sesua|, arda a|ar |eo|r rudar
urlu| reru||srya. urlu| rercar| oarar-oarar lu||sar, arda o|sa rerdapal|arrya dar|pada raja|ar, ou|u-ou|u yarg rurg||r arda o|sa rer|rjarrya
dar| |aWar-|aWar alaupur perpusla|aar. Alau arda juga dapal rergurjurgo| Weos|le-Weos|le j||a arda rerpurya| roder |rlerrel.
Arda o|sa rercar| oarar secara gral|s dg rergurjurg| Weos|le lerlerlu d|da|ar laju| ous|ress rore o|z. Arda rarya per|u reroual |||ar d|da|ar
raja|ar alau pur sural-|aoar alau pur d|da|ar |rlerrel. 8er||ar a|aral arda apa|ar a|aral |arlor, rurar, |arlor pos alaupur a|aral ere| arda.
8ayarar dapal d|oual re|a|u| Wese| pos/ce| pos/ce| alau lerus d|rasu|ar |eda|ar re|er|rg alaupur rerggura|ar |arlu |red|l j||a arda o|sa
rerdapal|ar las|||las oayarar re|a|u| cara |r|. 8u|ar per|ara ruslar|| urlu| arda rer||||| pergras||ar ser|rgga re|eo|r| Rp 2.000.000 ser|rggu
|arera sudar oarya| yarg su|ses re|a|u|arrya. 3e|ararg rurg||r g|||rar ardall 3e|aral rercooall
ACA|HANA HENCEL0LA KEUANCAN RUHAh TANCCA?
Judu| lu||sar d| alas ser|rg d|oaras d| oeroaga| red|a, rarur saya a|ar rercooa re||ralrya dar| sudul pardarg yarg |a|r.
Rurar largga, yarg d| da|arrya ada suar|, |sler| dar ara|-ara|, rerupa|ar ur|l |euargar yarg ler|ec||. Pada dasarrya rerge|o|a |euargar rurar
largga sara seperl| rerge|o|a |euargar d| perusaraar. Pada ururrya saal aWa| rer||ar, ser|rg lerjad| |esu||lar rergalur |euargar rurar largga, yarg
oera||oal lerjad| oel|c|r casn l|ou pada a|r|r ou|ar, |arera perge|o|aar |euargar oe|ur lerlala dg oa||, dar oe|ur ada perercaraar secara |orprerers|p.
1. 8ual perercaraar selarur |e depar.
Perlara |a||, oual rercara (arggarar) da|ar salu larur |edepar, yarg d| oreak ooun da|ar ou|arar. Perercaraar d|p|sar|ar arlara suroer dara
(a||rar dara rasu|, o|sa oerasa| dar| gaj|, perdapalar |a|r-|a|r dar| rergajar, reru||s d||) serla pergguraar dara.
Pada perercaraar le|ar lercarlur rercara yarg a|ar d||a|u|ar separjarg larur, dar p|sar|ar : ulara (o|aya operas|ora|), o|aya pergeroargar,
o|aya sos|a||sas|, cadargar (o|aya la| lerduga). 8|aya operas|ora| ada|ar o|aya yarg oerar-oerar rarus d||e|uar|ar sel|ap ou|arrya larpa o|sa d|lurda,
arlara |a|r: o|aya ||slr||, a|r, o|aya se|o|ar, lrarsporl, o|aya |eoulurar oarar po|o| /ra|ar seou|ar. 8|aya pergeroargar ada|ar o|aya urlu|
rer|rg|al|ar |erarpuar/|orpelers| dar |ar|r arggola |e|uarga, arlara; o|aya |es |orpuler, |es oarasa lrggr|s, |es p|aro, o|aya urlu| |u||ar |arjular
urlu| suar|/|sler|. 8|aya |r| ras|r o|sa d|lurda alau d||urarg|, apao||a |euargar ||la leroalas. 8|aya sos|a||sas|, arlara |a|r; suroargar j||a lerar
rer||ar, ada yarg rer|rgga|, ar|sar. 8|aya |r| o|sa d|sesua||ar dg |erarpuar |euargar, dar apao||a |euargar leroalas, p|||r rerg||ul| ar|sar rarya
urlu| yarg perl|rg saja, dar rerarg rarus d|||ul|. 8|aya cadargar; d|per|u|ar urlu| rerulup |eoulurar la| lerduga. 3er|rg|a|| |euargar ||la leroalas,
ser|rgga pos |r| ser|rg l|da| ada dararya.
Peroag|ar pos-pos lad| o|sa d|oual rerggura|ar arp|op lerp|sar, alau o||a rerurg||r|ar rerggura|ar re|er|rg laourgar 8ar|. Pergguraar
re|er|rg d| 8ar| oerrarlaal agar ||la la| rudar rergaro|| uarg urlu| |eper|uar d||uar arggarar. P|sar|ar re|er|rg d| 8ar| yarg ada |arlu ATV dar
yarg la| ada |arlu ATV rya, urlu| d|vers|l||as| r|s||o. 3eoa||rya dara yarg rasu| d| laourgar yarg ada ATV rya d|oalas| , |arera :a) rergurarg|
r|s||o j||a |arlu ATV jalur |elargar orarg |a|r.o) rerpurya| |arlu ATV sara dg reregarg uarg lura|, ser|rgga |a|au ||la la| oerral|-ral| ra|a dg
rudar a|ar lerg|ur urlu| reroe|arja|ar ra|-ra| yarg l|da| per|u.
8aga|rara dg pergguraar |arlu |red|l? Karlu |red|l oerrarlaal seoaga| perggarl| uarg lura|, seoa||rya pergguraar |arlu |red|l d|sesua||ar dg
rercara arggarar. 0g der|||ar la| lerjad| |esu||lar |arera pergguraar |arlu |red|l yarg oer|eo|rar, yarg pada a|r|rrya reroual lag|rar |arlu |red|l
la| leroayar alau rerga|ar| |eler|aroalar peroayarar.
2. P|sar|ar suroer dar pergguraar dara
a) 3uroer dara:
0ar|rara saja suroer dara a|ar d|pero|er, apa|ar ada suroer dara |a|r se|a|r gaj|? 3eoa||rya arggarar d|dasar|ar alas suroer dara yarg sudar
pasl|, ser|rgga j||a ada laroarar perdapalar d| |uar rercara, o|sa d|rasu||ar pada dara cadargar, yarg rarl|rya o|sa d|gura|ar urlu| |rveslas|.
o) Pergguraar dara:
Veror|lor secara |elal pergguraar dara sargal perl|rg, dar yarg per|u d|parar| ada|ar oeda|ar arlara pergguraar urlu| jarg|a parjarg dar urlu|
jarg|a perde|. 3eoaga| corlor: urlu| o|aya operas|ora| ou|arar, dapal rerggura|ar dara jarg|a perde| yarg oerasa| dar| gaj| ou|arar. Narur j||a
|rg|r reroe|| sesualu yarg a|ar d|gura|ar urlu| jarg|a parjarg, seperl| peraoolar (res|r cuc|, |u||as, le|ev|s|, lurr|lure), |erdaraar dar rurar, rarus
rerggura|ar dara jarg|a parjarg. 0ara jarg|a parjarg oerasa| dar| dara cadargar yarg la| d|gura|ar dar le|ar d|s|rpar d| re|er|rg oar| (lerp|sar
dar| |eoulurar ou|arar), alau o|sa oerasa| dar| p|rjarar. J||a oerupa p|rjarar, upaya|ar p|rjarar juga oerupa p|rjarar jarg|a parjarg, ser|rgga o|sa
d|argsur sel|ap ou|ar dar d|rasu||ar da|ar rercara/arggarar yarg d|susur. l|lurg oerapa argsurar per ou|arrya, apa|ar l|da| a|ar rerggarggu
casn l|ou ou|arar?
3. 8ual pra||raar T accounr (reraca |euargar) sederrara serla casn l|ou rya
urlu| rergelaru| pos|s| |e|ayaar ||la, oual pra||raar reraca |euargar. 0ar| reraca |euargar ||la a|ar rergelaru| oerapa rarla (a|l|va), yarg lerd|r|
dar|: A|l|va |arcar (uarg lura| dar dara d| re|er|rg 8ar| yarg dg rudar dapal d|ca|r|ar), a|l|va lelap ( peraoolar, |erdaraar, rurar), serla a|l|va |a|r-
|a|r (d||uar a|l|va |arcar dar a|l|va lelap) Kerud|ar ||la r|lurg oerapa lola| rularg, p|sar|ar rularg jarg|a perde| (d|argsur ou|arar) dar rularg
jarg|a parjarg. 3e|arjulrya ||la o|sa rergr|lurg oarWa roda| serd|r| ada|ar lola| a|l|va (a|l|va |arcara|l|va lelapa|l|va |a|r-|a|r) d||urarg| dg lola|
rularg.
0asn l|ou per|u d|oual urlu| rergelaru| a||rar uarg rasu| dar uarg yarg d|per||ra|ar a|ar |e|uar. 0g reroual casn l|ou ou|arar, ra|a d|rarap|ar
rergurarg| lerjad|rya |ejular da|ar perge|o|aar |euargar rurar largga. 0ar dg reroual perercaraar, yarg |erud|ar d|luarg|ar da|ar casn l|ou
yarg d|susur ou|arar, urlu| salu larur |e depar, ||la dapal rergara||s|s apa|ar perge|o|aar |euargar ||la Wajar apa l|da|. 3eoa||rya casn l|ou
d|d|s|us||ar arlara suar| dar |sler|, ser|rgga |eduarya sepa|al urlu| re|a|u|ar sesua| rercara yarg d|lu||s.
J||a ada laroarar uarg rasu|, seperl| oorus, |rserl|l, alau uarg ras|| perdapalar |a|r-|a|r, uarg lerseoul o|sa d|rasu||ar da|ar laourgar, yarg o|sa
d|gura|ar seoaga| cadargar j||a lerjad| ra|-ra| d| |uar dugaar.
0|rarap|ar, dg perge|o|aar |euargar yarg ralarg, rarur cu|up l|e|s|oe|, suar| |sler| a|ar |eo|r dapal rerlo|us|ar pada per|eroargar |ar|r
ras|rg-ras|rg, serla reroer| perral|ar pada per|eroargar perd|d||ar para pulra pulr|rya.
ACA|HANA HENJA0| KAYA 0ENCAN HU0Ah
Terdapal oeroaga| cara rudar dar cepal urlu| rerjad| |aya, dar rerjad| sesualu yarg aga| pe||| rergapa rara| yarg l|da| rergaro|| pe|uarg yarg
lerr|darg d|depar rala. Apao||a arda rer|||r|ar secara ra|us, per|ara yarg d|per|u|ar urlu| sesorarg rerjad| |aya |a|ar salu pardargar yarg jaur dar
leraga urlu| rerja|ar|ar o|sr|s lerseoul.
3a|ar salu cara yarg pa||rg serarg urlu| rercar| |e|ayaar, dar salu cara yarg se|a|u d|gura|ar o|er rere|a yarg o|ja| |a|ar reroer||ar |epa|arar,
pera|alar alau roda| urlu| sesualu perr|agaar yarg reya||r|ar. 8|asarya arda reroe|| sarar seoaga| parlrer o|sr|s- |erud|ar apao||a o|res sudar
oer|eroarg arda pasl|rya rerdapal |roa|ar yarg sel|rpa|.
Per|ara yarg oagusrya lerlarg cara |r| |a|ar arda oo|er reroual per|ara yarg sara, seoarya| yarg o|sa. Arda oo|er reru|a|rya r|sa|rya dg reroer||ar
pe|ayarar perasarar alau perjua|ar urlu| salu perusaraar |ec|| - |erud|ar apao||a o|sr|s lerseoul ru|a| oer|eroarg dar pergras||ar yarg arda pero|er|
d|gura|ar urlu| d| |rveslas||ar |esalu o|sr|s |a|r |ag|, dar |a|u|ar ser|rgga arda rerpurya| 25 jer|s perusaraar. J||a salu o|sr|s arda rerpero|er
Rp100.000 seou|ar dar|pada 25 jer|s o|sr|s, pergras||ar arda o|sa rercecar Rp10.000.000 seou|arl 3eoaga| perru|aar |r| ada|ar salu jur|ar yarg aga|
oarya|l Cooa ||ral se|e||||rg lerpal arda - dg lurpuar seperurrya arda a|ar dapal| oeoerapa ralus o|sr|s |ec||-|ec||ar yarg oo|er oer|eroarg dg
perlo|orgar dar|pada arda.
Keoarya||ar o|sr|s rau dar rergrarap|ar jasa perasarar, proros|, |||ar dar peroarlu perjua|ar. 0g sed|||l |aj| se||d|| arda a|ar dapal| oarWa
|erad|rar arda aral d|per|u|ar urlu| reraju|ar o|sr|s rere|a.
8|asarya arda per|u reroual leru jarj| urlu| oerjurpa dar oero|rcarg dg luar yarg purya perusaraar oer|eraar oeoerapa |de yarg dapal rerggarda|ar
usara rere|a. 0g cara |r| sudar pasl| rere|a l|da| saoar urlu| oerjurpa dg arda.
3eoaga| persed|aar, pasl||ar arda reru||s |de arda d|alas |erlas. Turju||ar |de arda, o|aya yarg d|per|u|ar dar |eurlurgar yarg a|ar d|pero|er.
Kerud|ar apao||a arda sarpa| urlu| oerjurpa, pasl||ar arda larpa| dar d|||ral seoaga| seorarg ous|ressrar yarg ler|era|. 8eoerapa |el||a oercer|la
|osorg seoe|ur arda reru|a| proposa| arda.
Yarg perl|rgrya |a|ar arda per|u reroer|laru |epada ooss o|sr|s lerseoul oarWa arda o|sa rer|rg|al|ar o|sr|s rere|a dg lu|ar 10 r|rgga 20 sarar
perusaraar lerseoul yarg l|da| oeg|lu seoerapa. 3udar lerlu j||a rere|a l|da| rau reroer||ar sarar arda sarar|ar supaya arda rerjad| |orsu|larl saja.
larp|r serua o|sr|s rau perlo|orgar dar| segerap seg|. Tuar purya o|sr|s sudar lerlu s|ou| rergurus|ar o|sr|s rere|a - dar rerasa|ar oarWa rere|a
l|da| rerpurya| rasa yarg cu|up urlu| rergurus|ar seruarya, reryeoao|ar oarya| per|ara perl|rg yarg d|o|ar|ar. lr| a|ar reryeoao|ar o|sr|s
rere|a rerjad| rerosol , |eo|r |urarg 0 a|ar rerulup usara rere|a alau rerjua|rya |epada orarg |a|r.
3alu |ag| cara |a|r urlu| arda rerasu|| o|sr|s seseorarg |a|ar dg reroer| p|rjarar |euargar. J||a arda rerpurya| roda| Rp10 alau Rp15 jula dg rudar
arda o|sa rererous| o|sr|s rere|a. Pasl||ar arda rere||l| ler|eo|r daru|u polers| o|sr|s lerseoul dar apao||a re||ral |a oa|a| oer|eroarg dg rerer|u|ar
roda| sed|||l, arda per|u cepal rerdapal|arrya. Arda oo|er rer|||r oarya| o|sr|s yarg der|||ar dg rarya per|u rery|ar|ar |||ar yarg oer||ul:
|8N|8 EK8KUT|F HEN6AR| PARTNER
U8AhA 8EACA| H|TRA
U8AhA ATAU 8UNT|KAN H00AL.
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8arya| yarg le|ar oer|ec|rpurg da|ar o|sr|s |r| sel|ap rar| larpa rerer|u|ar roda| perru|aar yarg oesar. Apa yarg perl|rg |a|ar arda per|u oerl|rda|
cepal, j||a d||a|u|ar dg seoa||rya arda pasl| o|sa rerjad| |ayal
RAhA8|A HENJA0| 0RANC 6EHERLANC 0ALAH h|0UP?
8er||ul |r| ada|ar oeoerapa l|ps yarg d|pel|| dar|pada ser|rar 0r. Fadz||ar Karsar,
TATA6ARA HAKAN & H|NUH
1. 3eoe|ur l|dur, raal|ar serua orarg la| pedu|| s|apapur.lrsya A||ar, A||ar a|ar ||pal garda|ar reze||.
2. 3eoe|ur l|dur, oerdoa, lergarlurg |epada apa yg ||la rau separjarg l|dur, ola| a|ar rerproses sega|a |rp|ar ||la & lrsyaA||ar, ||la a|ar
oerusara |earar |lu (ada serargal) |eeso|ar rar|rya.
3. Va|ar ouar seoe|ur sarapar, ra|ar lergarar| dar ra|ar ra|ar ya|lu rerg||ul| 3urrar Rasu| dar dapal para|a, dar juga o||a reruju| |epada
pa|ar g|z| & ra|arar, v|lar|r C dar| ouar-ouarar yg d|ra|ar sele|ar sarapar dar ra|ar, zalrya ada|ar rarp|r r||arg.
1. Jargar r|rur a|r seWa|lu sedarg ra|ar (sarapar dar ra|ar). V|rur a|r sele|ar se|esa| ra|ar 15-30 rer|l. urlu| r|rur, oag| legu|ar yg
perlara, o|ar|ar a|r da|ar ru|ul se|ara 10 del||, |erud|ar oaru d|le|ar. Tegu|ar yarg |edua dar selerusrya oo|er r|rur lerus seoao da|ar a|r
||ur ada erzyre yarg o|sa rerourur |urar da|ar par|reas dar perul, yarg a|ar d|oaWa o|er a|r legu|ar perlara.
5. 3eoa||-oa||rya ra|ar ra|ar seoe|ur ragrr|o ||ul surrar (Rasu||u||ar ra|ar seoe|ur ragrr|o |ecua|| ou|ar Raradrar saja |a Wa|lu ragrr|o),
seoao oag| yg ras|r se|o|ar (alau ara|-ara|), ola| a|ar oerlurgs| dg cerer|arg (rudar rergerl| dar rerg|rgal |urarg |eo|r 2 jar se|epas
ra|ar, jad| j||a ra|ar pada 8:30pr, |urarg |eo|r 10:30pr oaru ru|a| oe|ajar dar rurg||r rarya o|sa oerlarar ser|rgga jar 12 lgr ra|ar saja,
jad|, la| oarya| yg o|sa d|pe|ajar| d| oard|rg|ar |a|au ra|ar pu|u| :30pr. (orarg C|ra ra|ar ra|ar pada Wa|lu |r|). Juga, ||la l|da| l|dur da|ar
|e|eryargar (yg o|sa rergra|arg| dar| rergerja|ar seroaryarg ra|ar)
TATA6ARA 0| KAHAR HAN0|
1. 3e|epas ouarg a|r |ec||, 8erderer 3x (lerarg sed|||l) o|sa rerge|a||ar dar| dapal oalu |ararg
2. 3eWa|lu ouarg a|r oesar, r|r|rg sed|||l |e ||r| ||ul surrar seoao o||a r|r|rg |e ||r|, perul a|ar rere|ar o|adder & rudar ouarg a|r oesar.
TATA6ARA 0|0|K ANAK
1. Arlara l|ps urlu| dapal ara| o|ja|/ger|us, ajar ara| (alau oaoy) l|dur r|r|rg |e |arar, seoao jarlurg (yg ler|ela| seoe|ar ||r|) a|ar |eo|r
|aparg/|ega dar rudar oerderyul (perja|arar darar o|e) dar ola| ara| a|ar oer|eroarg dg oa||.
2. 8ag| ara|-ara| yarg sudar dar| aza||rya a|l|l alau ryper-a|l|l, |urarg| (alau jargar) pa|a||ar oaju Warra orarge seoao Warra |r| o|sa rerargsarg
secara a|l|lrya l|rda| lardu| ara| (|a a|ar |eo|r ra|a|), serarl|asa oerserargal Waja.
TATA6ARA 0|0|K 0|R| 8EN0|R|
1. Ara||ar ara|ar-ara|ar yarg oa|| se|ara 21 rar| alau |eo|r oerlurul-lurul Rasu||u||ar (3Aw) oersaoda, sel|ap ara|ar yarg d| ara||ar se|ara 21
rar| alau |eo|r a|ar rerjad| lao|'al ard |a|au l|da|, ||ru |lu a|ar ral|.
2. 8uarg sega|a rasa rasud derg||, derdar serua s|lal yarg l|da| oa||. Eros|-eros| |r| a|ar rerga||oal|ar ola| rerge|uar|ar adrera||re
oer|eo|rar, corl|sore & lox|re yg rara dapal rerga||oal|ar |epada oeoerapa perya||l, seperl| cepal |e|ar, Wajar cepal larpa| lua seoe|ur
Wa|lurya, se|a|u sa||l perul & dar seoaga|rya.
Ada 3 |alegor| rarus|a:
EUNTUNC: lar| |r| |eo|r oa|| dar|pada |erar|r,
RUC|: lar| |r| sara seperl| |erar|r,
6ELAKA: lar| |r| |eo|r ouru| dar|pada |erar|r.
ACA|HANA HENJA0| 8E0RANC YANC KREAT|F
Kreal|v|las ou|ar|ar rarya urlu| arl|s-arl|s saja. la rerjad| seoaga| oalu |orcalar urlu| |esu|sesar seseorarg da|ar sega|a o|darg. Vere|a yarg laru
oaga|rara rerggura|ar l|||rar |real|l da|ar rerye|esa||ar sesualu rasa|ar a|ar rerjad| seorarg yarg pa||rg cerer|arg da|ar |ar|er, rero|ra oarya|
o|sr|s yarg rergurlurg|ar dar su|ses rerar|| oarya| |aWar-|aWar yarg o|ja| parda|.
3el|ap orarg rerpurya| daya |real|v|las yarg lerserd|r|. Va|argrya, rere|a l|da| oe|ajar oaga|rara cara urlu| rerggura|arrya. 0aya |real|v|lasas
lerseoul lers|rpar d|da|ar l|||rar rere|a, l|da| d|gura|ar sel|ap rar|. Laporar |r| reroorg|ar rars|a oaga|rara urlu| rerjad| seorarg yarg |real|l dar
su|sesl
Keb|jaksanaan: aga|mana Henggunakannya
'0l |ya, |erapa a|u l|da| lerl|||r seperl| |lu?
8u|ar|ar |lu yarg se|a|u arda |ala|ar apao||a seseorarg le|ar rerdapal jaWaoar |epada rasa|ar yarg aga| rur|l? Apao||a rasa|ar seperl| l|da| o|sa
d|se|esa||ar racar o|asa, orarg |real|l l|da| ragu-ragu urlu| rer|||r|ar dg cara perde|alar yarg oeroeda.
Corlorrya |a|ar u|yssess 3. 0rarl. Aorarar L|rco|r, pres|der u3A su|a oercer|la lerlarg 0rarl, serasa zarar |ara|-|ara|rya su|a rerggura|ar
a|a|rya urlu| rerga|ar|ar ara| |erou yarg l|da| su|a d|lurggar| s|apapur. Ara| |erou lerseoul sargal |eras |epa|a ser|rgga |a le|ar d|oe|| o|er seorarg
pera|r s|r|us, yarg reraWar|ar uarg |epada s|apa saja yarg oerras|| rerurggarg|rya pada Wa|lu yarg d|lelap|ar.
0rarl re||ral oeoerapa ara| ruda yarg |eo|r lua dar|padarya d||erpar |ealas larar o|er ara| |erou lerseoul apao||a rere|a rercooa rerurggargrya.
0|a rercooa rera||| oadar ara| |erou |lu dar oerras|| oerlarar oeoerapa Wa|lu lelap| a|r|rrya lerjalur juga. Kerud|ar, oe||au rerggura|ar
|eo|ja|saarrya. 3e|epas rerdapal |z|r urlu| rercooa |ag|, |a|| |r| oe||au a|ar rerye|esa||ar rasa|ar |r| dar|pada sudul yarg |a|r.
0ar|pada rerurggurg seperl| o|asa, d|a re|orpal |ealas oadar |erou |lu dg leroa|||, ya|lu rerardarg |earar e|or dar ou|arrya |epa|a. 8uda| |lu
rercerg|rar perul ara| |erou |lu dg |a||rya dar reregarg e|or |erou lerseoul dg |edua largarrya. wa|au oaga|rara pur cara |erou |lu rergorcarg
dar rergrerla|, |a lelap l|da| dapal rerjalur|ar ouda| |lu. Ara| |erou |lu oerras|| d||a|ar|ar dar u|ysses 3. 0rarl dar rererarg| rad|ar. 3ele|ar oesar,
0rarl rerasu|| lerlara dar rergelua| oala|yor serla rererarg| perarg saudara.
0ar|pada perga|arar 0rarl |r| le|ar reroer| dua |eguraar perl|rg lerlarg |real|v|las;
1. Vercar| jaWaoar yarg pe||| urlu| salu rasa|ar yarg rur|l.
2. Vercelus|ar |orsep oaru.
Lengkap||ah d|r| anda dg kreat|v|tas
Keya||rar ada|ar salu |urc| |earar |real|v|las. Apao||a arda laru oarWa lerdapal salu cara urlu| rerye|esa||ar rasa|ar (Wa|aupur arda oe|ur laru
cararya) arda rerdapal serargal urlu| rercar| jaWaoarrya. 3eseorarg yarg serarl|asa reroer||ar |de-|de po||l|| ou|ar|ar |eo|r |real|l dar|pada ||la
serua. Vere|a seoerarrya rerpurya| |eya||rar yarg |eo|r oarya|.
8aga|rara arda o|sa rerpurya| |eya||rar seperl| |lu? 0g rergelaru| oarWa; 'Terdapat penye|esa|an bag| set|ap masa|ah dan |de bag| set|ap perkara"
J||a oer|eya||rar ada|ar pr|rs|p yarg perlara, yarg |eduarya |a|ar l|||rar(l|||rar) yarg oeoas. Perc|pla le|epor, A|exarder 0rarar 8e|| oer|ala:
Jangan se|a|u menggunakan a|an umum, perg||an o|mana orang |a|n oe|um pernan perg|. Perg| ke suaru rempar ,ang anoa r|oak pernan perg|. /noa pasr|
akan oerumpa og sesuaru ,ang r|oak pernan anoa ||nar seoe|um |n|. $aru penemuan akan memoaua anoa ke saru penemuan ,ang |a|n, oan ranpa anoa
saoar| anoa mempun,a| sesuaru ,ang oagus unruk o|l|k|rkan. $emua penemuan ,ang penr|ng aoa|an oerasa| oar|paoa pem|k|ran.
F|||rar yarg oeoas l|da| leroe|erggu dg cara yarg o|asa d||a|u|ar. wa|au apapur juga orarg |a|r |ala, oe||au laru lerdapal jaWaoar oag| sel|ap rasa|ar dar
|de oag| sel|ap per|ara, dar d|a l|da| la|ul urlu| rercooa seoararg oerlu| |erurg||rar.
Henye|esa|kan Hasa|ah 0gKreat|v|tas
Terdapal salu cara urlu| rerperl|rg|al|ar |real|v|las arda da|ar rerye|esa||ar apa pur juga rasa|ar yarg su|ar. Vu|a||ar dg rergelaru| raras|a |r|;
/pao||a saru masa|an |ru r|oak o|sa o|se|esa|kan og cara konvens|ona|, o|asan,a |ru aoa|an karena r|aoa ranra| ka|ran {m|ss|ng ||nkj
Vasa|ar 0rarl yarg l|da| dapal oerlarar |ara d|alas ara| |erou lad| pada ru|arya |arera l|ada lerpal urlu| oerpegarg. llu|ar d||ala|ar l|ada rarla| |a|lar.
0|er |arera |lu |r||ar |arg|ar perlara yarg per|u d|aro|| urlu| rercar| perye|esa|ar |epada rasa|ar su|ar |a|ar rererlu|ar apa|ar |lu rarla| |a|lar yarg
l|da| ada. 0oje|l|l arda ada|ar urlu| rercar| salu per|ara, j||a |a Wujud a|ar rerye|esa||ar rasa|ar. Jargar o|roarg j||a pada ru|arya arda dapal
rergada|ar |a|lar lerseoul alau l|da|. larya car| apa|ar |a|lar yarg l|da| adarya.
Pada larur 1930V, Ararco, perusaraar |erjasara Arao-Arer|car 0|| Corpary rerer|u|ar salu |erdaraar yarg dapal oerja|ar d|alas padarg pas|r.
Vasa|arrya |a|ar pas|r lerseoul yarg reryeoao|ar oar |erdaraar lergge|ar dar l|da| oergera|. 0|er |arera l|ada |aj|ar yarg d|oual |ealas rasa|ar |r|,
Ve|ar|| Ararco, R|crard Kerr l|da| rerpurya| dala lerr|| urlu| reroual oerlu| oar yarg dapal rercerg|rar d| alas padarg pas|r. Jad|, per|ara
perlara |a|ar rercar| |a|lar yarg l|ada (r|ss|rg ||r|) ya|lu |urargrya dala |ejurulerr||ar.
Larg|ar |edua |a|ar rercar| ja|ar urlu| rerdapal|ar dala yarg sesua|. uj|cooa ada|ar salu cara lelap| |a rergaro|| rasa yarg aga| |ara. 3edarg oe||au
rercar| |de urlu| rerye|esa||arrya, salu cara |a|ar dg rer|ru urla, yarg l|da| rerpurya| rasa|ar oerja|ar d|alas padarg pas|r. wa|aupur oeral dar oesar,
urla l|da| rudar urlu| lergge|ar d|padarg pas|r.
wa|aupur |de |lu aga| g||a, cerg|rarar yarg d|gura|ar o|er urla pasl|rya o|sa d|gura|ar o|er |erdaraar. 0|a rergu|ur |uas |aWasar ou|aar |a|| urla
lerseoul dar rergaro|| oeral urla. lr| reroer||ar oe||au dala |ejurulerr||ar urlu| rererlu|ar oerlu| dar le|arar roda yarg d|per|u|ar d|padarg pas|r.
A|r|rrya oe||au su|ses rerc|pla oar yarg sesua| d|gura|ar d| padarg pas|r. 8ar yarg d|c|pla |lu ras|r d|gura|ar ser|rgga rar| |r| d|padarg pas|r o|er
|erdaraar-|erdaraar |orers|a|.
Te|r|| V|ss|rg L|r| ada|ar salu per|ara perl|rg yarg per|u arda laru urlu| rerye|esa||ar apapur juga rasa|ar yarg l|rou|. la rer|rg|al|ar daya
|real|v|las arda da|ar rercar| perye|esa|ar yarg rurg||r l|da| perrar arda l|||r|ar seoe|ur |r|.
aga|mana Hendapat |de Kreat|f
K|la sudar rero|cara|ar da|ar rerggura|ar |real|v|las urlu| rerye|esa||ar rasa|ar. 3e|ararg oaga|rara rerggura|arrya urlu| rerdapal |de, yg
dapal reroer| oarya| pe|uarg |epada ||la.
Keoarya|ar pereruar leru|urg d|dur|a |r| d|jurpa| dg l|da| sergaja. lsaac NeWlor ler|ejul apao||a seo|j| ape| lerjalur |ealas |epa|arya, d|rara
|erud|arrya le|ar reryeoao|ar oe||au rereru| leor| grav|las|. w||||ar l. Vasor juga sedarg rercooa urlu| rercar| cara urlu| rerarlaal|ar lar| gergaj|
dar|pada |ayu oa|o|. 3e|epas rergurjurg| |aWasar peroa|o|ar, d|a re||ral oarya| |ayu yg d|ouarg. 0|a rergaro|| serua |ayu-|ayu |ec|| dar d|salu|ar
urlu| rerjad| se|ep|rg papar yg apao||a d|oer| le|arar l|rgg| dapal reroer||ar salu pare| |ual, seperl| yg ||la dapal| rar| |r| ya|lu p|ayWood.
Ada|ar sesualu yg o|asa salu pereruar dar c|plaar d|leru| dg cara yg l|da| d|sergaja, dar |de yg asa| d||upa|ar urlu| rererus|ar proye| oaru yg |eo|r
rergur-lurg|ar. lr| reroer||ar salu pereruar |epada ||la ya|lu |de oaru l|da| perrar as||. la ada|ar gaourgar dar roroa|ar dar|pada |de yg |a|r. 8|||
0ales l|da| rerc|pla |orpuler seperl| 3leve Joos (|orpuler App|e), lelap| reru||s sollWare urlu| app|e dar |erud|ar re||ral pe|uargrya |eo|r cerar j||a
sollWare |lu o|sa d|gura|ar o|er serua jer|s |orpuler. K|r| w|rdoWs c|plaar oe||au d|gura|ar o|er rarp|r serua |orpuler d|dur|a |r|. 0|er |arera |lu
rergapa arda per|u oersusar payar rerc|pla |de oaru, sedarg|ar |de yg arda per|u|ar sudar Wujud da|ar |eadaar yg oeroeda? F|||r|ar |erurg||rar yg
ada. Jargar lurggu ser|rgga arda rerdapal |rsp|ras| urlu| rerdapal |de |real|l, padara| arda o|sa rercooa |de yg asa|, roroa||ar supaya rerjad| salu
|eper|uar yg arda rau|ar.
F|k|ran bawah-sadar (subconsc|ous}: Hember|kan anda |de dan penye|esa|an
Ada|ar sargal perl|rg urlu| d||rgal oarWa lerdapal jaWaoar oag| sel|ap rasa|ar dar |de oag| sel|ap |eper|uar. Vurg||r arda l|da| sadar, oarWa |de dar
jaWaoar |lu rurg||r sudar d|s|rpar da|ar l|||rar arda.
Para sa|rl|s le|ar reroual |aj|ar dar rerdapal| lerdapal 15 lr||||ur dala le|ar d|s|rpar da|ar l|||rar(l|||rar) arda separjarg r|dup. J||a lr||||urar dala
lerdapal d|s|r|, oerapa o||||or dala|ar yg o|sa d|Wujud|ar dg |oro|ras| dar|pada dala-dala lerseoul. 0g polers| |r|, |erurg||rar lerdapal jaWaoar ada|ar
sargal l|rgg|.
llu oer|la oa||rya. 8er|la l|da| oa||rya |a|ar 90 perser dar|apda |rlorras| |lu lers|rpar da|ar l|||rar oaWar-sadar (|rdra |e erar) arda, l|ada cara yg rudar
urlu| rerou|arya. la |e|uar apao||a |a rau dar l|da| |e|uar pada rasa arda sedarg sadar dar reroulur|arrya. Jad| apa yg per|u arda |a|u|ar urlu|
rergaro|| dala - dala |r| |a|ar dg l|durl 8arya| |de perl|rg dar pereruar le|ar d|oual se|epas arda l|dur ryerya|. Arda serarusrya laru oarWa |a
dalargrya dar|pada l|||rar oaWar-sadar arda.
8aga|rara |a oer|a|u ada|ar seperl| oer||ul;
3eWa|lu arda sedarg sadar dar oerusara urlu| rercar| jaWaoar |epada rasa|ar arda, l|||rar oaWar-sadar arda juga sadar a|ar apa yg arda
sedarg car|.
F|||rar oaWar-sadar arda l|da| perrar oer|sl|raral, Wa|aupur arda sedarg l|dur. la serarl|asa rer|||r dala-dala yg lers|rpar d|da|arrya.
Ver|l, jar alau rar| sele|ar arda oerrerl| dar|pada rer|||r|ar rasa|ar lerseoul, l|||rar oaWar-sadar arda a|ar reroer||ar jaWaoar sep|rlas |epada
arda, Arda l|oa-l|oa rerdapal |de oaru, alau jaWaoar |epada rasa|ar yg rur|l seWa|lu arda sedarg reroual per|ara |a|r.
Corlorrya 3|r wa|ler 3coll rerdapal |de oaru apao||a oaru saja oargur dar| l|dur. E|rsle|r d||apor|ar rerdapal |de leroa||rya seWa|lu sedarg rercu|ur
jerggolrya. Troras Ed|sor pu|a sele|ar rercooa oeoerapa |a||, a|ar oerrerl| se|ara 21 jar dar pada Wa|lu |lu oe||au a|ar rereru| |de-|de oaru. Vozarl
juga d||aoar|ar rerdapal |de |agurya |el||a sedarg oerderg|ur. Apao||a oargur, oe||au a|ar reru||s rola |agu lerseoul yg oe||au dapal seWa|lu l|durrya.
Jargar sa|ar arggap, salu per|ara yg per|u d|aro|| perral|ar: sel|ap orarg d|alas ada|ar rere|a yg sargal pa|ar da|ar o|darg ras|rg-ras|rg. Vere|a l|da|
rerjad| ger|us dar|apda |de yg dalarg seWa|lu sedarg l|dur. F|||rar oaWar-sadar rarya rer|||r |rlorras| yg le|ar d|s|rpar oeoerapa larur dar re|apor|ar
dala lerseoul seperl| yg arda rau.
0|er |arera |lu, |rlorras| oerrarga yarg arda pero|er |r| per|u arda |a|u|arrya serd|r|. Tarpa lerr||-lerr|| |r| rurg||r |de-|de |real|l arda a|ar lers|rpar
oeg|lu saja.
ACA|HANA HENUKAR RP 250.000 HENJA0| RP 15.000.000
0ALAH wAKTU 0 hAR| 0| RUHAh
Taju| d|alas sargal rerar|| se|a||. la rerupa|ar salu raras|a oaga|rara rerjad||ar uarg arda oer|eroarg dg cepal dar arar larpa per|u rerarggurg
res||o apa-apa. Arda o|sa reru|ar|ar uarg seoarya| Rp250.000 dar rerajad||arrya ser|rgga Rp15.000.000 da|ar Wa|lu 0 rar| dg rerggura|ar salu
raras|a dar lerr|| yarg rudar dar rerar||. 3|sler |r| rerupa|ar salu perde|alar usara yarg rudar d|rara arda l|da| per|u rereru| s|apa pur.
Arda o|sa oe|erja dg lerarg dar |e|uasa d|rurar larpa ada gargguar. Arda rarya per|u rerggura|ar sed|||l Wa|lu saja urlu| rerja|ar|ar usara |r|. T|ada
s|sler |a|r yarg |eo|r rerar|| dar rudar dar|pada |r|. la ou|ar|ar salu perjud|ar alau pur salu perararar roda| da|ar sarar.
ACA|HANA PERKARA |N| |8A ERLAKU
Arda rarya per|u rerge|uar|ar sejur|ar uarg yarg d|ra|sud|ar urlu| reroual |||ar d| sural |aoar alau raja|ar dar reroer|laru orarg oarWa arda
rerpurya| 'sesualu yarg oerr||a| dar sargal perl|rg urlu| rere|a (peroaca). 3eoaga|rara yarg ||la |elaru|, peroaca sural |aoar dar raja|ar
rerupa|ar go|orgar peroaca yarg oerracar-racar. 3eoag|ar dar|pada rere|a rurg||r lerd|r| dar|pada go|orgar pe|ajar, reraja, go|orgar pe|erja,
pers|urar dar seoaga|rya. Tujuar rere|a reroaca sural |aoar juga oer|a|rar.
Ada yarg su|a reroaca oer|la yarg dalarg seWa|lu-Wa|lu, oer|la sersas|, perdagargar, rercar| |oWorgar |erja, rer||||| roo|, rercar| pe|uarg usara,
rercar| pe|uarg p|rjarar uarg dar oerracar-racar |ag| |alegor| peroaca. 0|s|r| lerdapal ruarg urlu| rercar| uarg yarg oarya| sel|ap rar|. 8ag|
rere|a yarg |roval|l dar oerl|||rar |real|l sudar lerlu a|ar dapal re||ral oeroaga| pe|uarg d|da|arrya. Arda o|sa reroual |||ar apa saja. 3ara ada |a
da|ar oerlu| jasa/pe|ayarar alau pur perusaraar o|asa. 3aya a|ar rergajar arda dar reroer|laru 'RAlA3lA urlu| rerdapal|ar uarg yarg oaya|
dar|pada |||ar |r|.
H|L|K| RAhA8|A |N| 8EKARANC!
3eja| oeoerapa larur |a|u saya le|ar rerggura|ar raras|a |r| d|rara pada Wa|lu |lu saya ras|r oerada d| |uar reger|. 3aya gaga| da|ar rerja|ar|ar usara
, l|da| purya uarg, dar oarya| rularg. 3aya le|ar rereru| salu raras|a ur|| pada salu rar| seWa|lu saya sedarg reroaca raja|ar lero|lar |uar reger|.
RAlA3lANYA |a|ar : VENuLl3, VENER8lTKAN PAN0uAN '8A0AlVANA uNTuK. secara pos. 3eperl| parduar yarg sedarg arda oaca |r, |a rerupa|ar
salu raras|a yarg dapal reroaWa |esar |esu|sesar dar |e|ayaar |epada arda j||a d|gura|ar dg oelu|.
3aya l|da| perrar rerarar| dar rergelaru| apapur lerlarg peru||sar, perero|lar dar per|||arar. Va|ar saya l|ada |jazar, d|p|ora alau |jazar lerlerlu
d|da|ar |el|ga o|darg |r|. 3eoa|||rya saya rarya|ar |u|usar se|o|ar rerergar alas (3LTA) saja dar reregarg |jazar yarg rerdar yarg rurg||r l|da| ada
r||a|rya pada zarar se|ararg. 0g perasaar seroa |e|urargar saya rerpe|ajar| serua raras|a dar lerr|| |r| re|a|u| seouar ou|u yarg saya oe|| re|a|u|
pesarar pos dar| |uar reger| yarg oerlaju| l0w T0 VAKE VlLLl0N wlTl Y0uR l0EA3 yarg d| lu||s o|er 0ar 3. Kerredy. wa|aupur du|u l|da| oeg|lu
rerarar|rya, lelap| se|ararg saya sudar rar|r dar oerras|| rerpero|er pergras||ar yarg sargal |urayar.
6ARA HENJA0|KAN Rp100.000 - Rp250.000 KEPA0A Rp15.000.000 0ALAH wAKTU 0 hAR|
Apa yarg per|u d||a|u|ar urlu| rerpero|er pergras||ar seperl| d|alas |a|ar dg reroual usara seperl| yarg le|ar d|lerarg|ar pada ra|arar yarg seoe|ur
|r|. Arda rurg||r per|u rerge|uar|ar uarg seoarya| Rp100.000-Rp250.000 urlu| reroual oeoerapa ser| |||ar (1-10). Arda oo|er reroual |||ar se|a||
saja du|u, lelap| |a l|da| oeg|lu oer|esar |arera l|da| oarya| peroaca yarg re||ral |||ar arda apa|ag| j||a |a oeru|urar |ec||. Keoarya|ar perdalarg oaru
da|ar o|darg |r| rergarggap rarya dg reroual |||ar se|a|| saja |a dapal rergras|||ar pergras||ar yarg oarya| dg cepal.
Per|ara seperl| |r| l|da| a|ar oer|a|u, |arera j||a arda ser|rg d|||ral o|er orarg, oaru|ar rere|a dapal rergera|| arda dar ya||r dg arda. llu|ar yarg oer|a|u,
rurg||r arda juga a|ar rerdapal sural perlaryaar yarg aga| oarya| dar|pada peroaca |||ar arda lelap| pada Wa|lu yarg sara rere|a juga rerg|r|r
sural |epada oerpu|ur-pu|ur perg|||ar yarg |a|r. Jad| j||a arda rerjua| produ| yarg sara dg orarg |a|r pada rarga yarg oeroeda-oeda, |r| o|sa reragu|ar
rere|a. Alau pur perg|||ar |a|r rerpurya| produ| dar cara peryarpa|ar yarg jaur |eo|r rerya||r|ar, ra|a arda a|ar |el|rgga|ar.
J||a arda reroual |||ar dg rarga Rp100.000 urlu| 2 |a|| |||ar (corlor) dar arda rerjua| produ| dg rarga Rp20.000. Kerud|ar arda rerdapal 15 pesarar,
|r| oerarl| arda rerdapal Rp300.000 |erud|ar arda |e|uar|ar seru|a uarg lerseoul urlu| lerus reroual |||ar. urpararya se|epas |lu arda a|ar
rerdapal Rp1.200.000 ra|a arda per|u rerge|uar|ar |ag| seoag|ar dar|padarya.
8eg|lu|ar proses selerusrya ser|rgga arda o|sa rerpero|er pergras||ar ser|rgga Rp15.000.000 da|ar Wa|lu 2 ou|ar alaupur 0 rar|. Per|ara |r| le|ar
saya |a|u|ar, |a rerarg rerar|| dar rera|juo|ar se|a|| d| oard|rg|ar dg cara |a|r urlu| rercar| uarg. 3e|ararg rurg||r g|||rar arda juga rer||ral|
pergras||ar seder|||ar.
6ARA UNTUK HENJA0| KAYA
Arda dapal rerc|pla |esu|sesar dar |e|ayaar dg rerja|ar|ar usara yarg rudar d|rurar larpa per|u rerggarggu |ar|er asa| arda ser|rgga rerasa
ya||r j||a arda rau oerrerl| |erja. usara seperl| |r| juga sargal sesua| d|ja|ar|ar o|er para |ou rurar largga alau para pers|urar. Arda o|sa rerpe|ajar|
s|sler |r| secara oerlarap-larap.
HENChA8|LKAN UKU PAN0UAN|LAP0RAN ERN|LA| RpRpRpRpRpRpRp
Arda o|sa rergras|||ar ou|u alau parduar rergera| laju| apa saja da|ar oerlu| |aporar rudar yarg d|lu||s da|ar oeoerapa ra|arar saja. la rurg||r
rergera| per|ara yarg arda su|a|, roo|, |ar|er, pe|ajarar, rasa|ar dar seoaga|rya urlu| rerg|s| 'rasa |aparg yarg lerouarg oeg|lu saja. Apa yarg per|u
d||a|u|ar |a|ar reroer||ar sualu laju| yarg rerar|| r|ral oarya| orarg yarg a|ar reroacarya. Corlorrya seperl| rerarar ourga, arda o|sa reroual
laju| oeg|r| 'RAlA3lA VEVPER0LEll uAN0 LuVAYAN 0lVA3A LAPAN0 Arda oo|er rercer|la|ar rergera| roo| rerarar ourga dar rerjua| ourga,
roo| rerjar|l dar rergaro|| upar rerjar|l oaju, roo| rerasa| dar rerjua| resep alau rerjua| ra|arar.
Apa yarg perl|rg |a|ar lo|us|ar lerlarg laju| apa saja, |erud|ar l|||r|ar oaga|rara laju|-laju| lerseoul dapal d|o|ar supaya |a |e||ralar seperl| dapal
rergras|||ar uarg, 8ag| rere|a yarg oerl|||rar |real|l dar |roval|l sudar lerlu a|ar dapal rer|||r|ar |de yarg oa||. 3eoaga|rara saya perrar re|a|u|ar
d|Wa|lu aWa| saya reroao|l|ar d|r| da|ar o|darg |r|. 3aya rarya reru||s parduar seoarya| 1 ra|arar rergera| cara rerpero|er uarg rerggura|ar
|arera. Cararya |a|ar saya rercar| |de - |de lerseoul d|da|ar raja|ar dar ou|u-ou|u, |erud|ar saya lerjerar|ar dar o|ar seru|a. Arda o|sa reru||srya
dg res|r l|| o|asa alau pur rergupar |aWar-|aWar arda yarg rer||||| |orpuler urlu| reru||s|arrya.
Arda oo|er rerjua| parduar arda dg rarga arlara Rp5.000 r|rgga Rp20.000 seouar |erara |a ada|ar ra| arda. Arda oo|er rerjua| |aporar/parduar arda
dg reroual |||ar d| sural |aoar dar raja|ar.
HENCCUNAKAN HAJALAh | 8URAT KAAR
8arya| sural |aoar dar raja|ar yarg reryed|a|ar ruargar |||ar dg rergera|ar lar|l yarg lerjarg|au. la o|sa rerjad| salu pe|uarg yarg sargal
rergurlurg|ar se|a|| |epada arda. Vurg||r arda rarya d||era|ar rarga d|arlara Rp50.000 r|rgga Rp80.000 urlu| se|a|| lero|lar, lelap| j||a arda rer|||||
produ|/|aporar yarg rerar|| ra|a |a a|ar |eo|r rerudar|ar usara arda |e|a|.
Cara reroual |||ar o|sa arda pe|ajar| sed|||l der| sed|||l, d|rara dg rerggura|ar proses |r| secara lerus-rererus |a a|ar rerjad||ar arda rar|r dar
reraroar |ag| pergelaruar arda rarl|. Vurg||r |||ar arda yarg perlara rarya oerrarga Rp50.000 -Rp100.000 dar dar|padarya arda rarya rerdapal
|eurlurgar oeoerapa ralus r|ou saja j||a produ| arda |lu oa||.
3e|epas |lu apa yarg per|u d||a|u|ar |a|ar rerge|uar|ar seru|a seoag|ar pergras||ar arda urlu| reroual |||ar yarg |eo|r oesar alau reroual |||ar
d|da|ar oeoerapa perero|lar yarg |a|r. 0g cara |lu arda a|ar rerpero|er pergras||ar yarg |eo|r oesar dar rurg||r jur|arrya pu|urar jula rup|ar.
Jargar cepal rerasa puas dg usara arda |lu, urlu| supaya oerras|| d|da|ar o|darg |r| dar rerpero|er pergras||ar yarg lerus-rererus, arda rarus
reroual |||ar secara lerus-rererus. Keoarya|ar usaraWar yarg rerceour| o|darg |r| a|ar gaga| j||a rere|a |e|as rerasa puas dar l|da| rau reroual
|aj|ar serla l|da| rerperoa||| gaya dar cara rere|a reroual |||ar. Vere|a rarya rer|ru alau rerj|p|a| produ| orarg |a|r secara ou|al-ou|al.
Vurg||r ada orarg |a|r yarg rerjua| produ| yarg sara lelap| dg rarga yarg |eo|r rurar ra|a perjua|ar arda o|sa rerosol, lelap| j||a produ| lerseoul
rerarg r|||| arda seperurrya, arda a|ar rerpurya| oarya| |e|eo|rar.
0g reroual |||ar yarg lerus-rererus dar |ors|sler, arda a|ar reroual |erja yarg lerus-rererus yarg rara |a juga a|ar rergras|||ar pergras||ar yarg
lelap dar sargal |urayar.
AC| hA8|L
(3Tu0l KA3u3) 3aya rau rerarya|ar rasa|ar oag| ras||.
3aya dapal p|rjarar roda| usara seoesar 10 jula dar| saudara saya, dg calalar ras||rya d|oag|, saya o|rgurg oaga|rara peroag|ar ras|| |eurlurgar yarg
oelu|, soa|rya da|ar rerja|ar|ar usara lerseoul pasl|rya ada o|aya operas|ora| p|us leraga serla p|||rar yarg saya |e|uar|ar. Voror lou dapal rerje|as|ar
peroag|ar yarg oelu| dar o|sa sa||rg rergurlurg|ar. Ter|ra |as|r seoe|urrya, roror dapal d|oa|as secepalrya |arera usararya a|ar segera d||a|u|ar.
R|ra Facrrar
Jawaban:
la|o lou R|ra,
3eouar usara yarg d|oargur secara palurgar roda| oa|| oerupa uarg lura| raupur |ear||ar, ser|rgga rerouar|ar |er|lraar, ra|a sega|a urlurg rug|
a|ar d|larggurg oersara. J||a usara yarg rarl|rya a|ar d|ja|ar|ar rerga|ar| |erug|ar ra|a rarus d|larggurg o|er serua p|ra|, dar j||a urlurg rarus
d|oag| secara propors|ora|. Peroag|ar ras|| usara pada |rl|rya ada|ar |esepa|alar |e dua oe|ar p|ra| secara ad|| dar lerou|a. Ad|| arl|rya sel|ap r|lra alau
parlrer rerdapal|ar oag|ar sesua| dg |orlr|ous|rya oa|| oerupa leraga, |ear||ar, raupur roda| uarg. Terou|a arl|rya sel|ap p|ra| rergelaru| oerapa oag|
ras|| |eurlurgar yarg rerjad| r||||rya dar oerapa yarg rejad| r|||| parlrer |a|rrya, jad| sa||rg rergelaru| salu sara |a|r.
urlu| oag| ras|| usara Arda |epada lerar yarg reroda||, o|sa Arda aju|ar oeoerapa cara alau s|era oag| ras||, arlara |a|r:
1. uarg yarg d|p|rjar|ar d|arggap seoaga| rularg dar o|sa Arda |eroa|||ar dg cara rerc|c|| da|ar jarg|a Wa|lu lerlerlu dar d||era|ar ourga.
V|sa|rya j||a ourga |red|l saal |r| 12 per larur, ra|a supaya |eo|r rerar|| Arda o|sa reraWar|ar pergeroa||ar dg su|u ourga rularg |eo|r l|rgg|
r|sa|rya 20 perlarur Narur r|rla|ar lerggarg Wa|lu rasa oe|ur reroayar c|c||ar sarpa| dg 3 ou|ar, sele|ar 3 ou|ar oaru|ar Arda reroayar
c|c||ar. Adapur jarg|a Wa|lu pe|urasar dg cara peroayarar c|c||ar o|sa d||a|u|ar se|ara 2 larur. Cara |r| oerarl| Arda oerrularg dar ou|ar oerr|lra.
3er|rgga lerar Arda l|da| oerra| alas oag| ras|| usara.
2. J||a lerar Arda yarg reroda|| 100, sedarg|ar Arda l|da|. Narur Arda|ar yarg a|ar rerge|o|a usara lerseoul |arera rer||||| |ear||ar, ra|a
oag| ras|| o|sa d|aju|ar seoesar 50 : 50 alau 10 : 0. P|ra| peroda| o|asarya rerdapal|ar |eurlurgar |eo|r oesar. la| |r| dg calalar j||a usara
rerga|ar| |eurlurgar. J||a oe|ur urlurg, ra|a se|urur p|ra| ya|lu Arda dar lerar a|ar rerarggurg oersara. Kes|rpu|arrya, |eurlurgar a|ar
d|oag| |epada l|ap p|ra| sele|ar d|polorg o|aya-o|aya operas|ora|. Jad| jargar |raWal|r dar la|ul j||a lerar Arda rera|sa urlu| rerdapal|ar
|eurlurgar |argsurg dar| perjua|ar, seoao ra| |lu l|da| |az|r. 0ar| |eurlurgar perjua|ar seoa||rya l|da| |argsurg d|oag||ar, rarur d||urarg| du|u dg
o|aya produ|s| dar operas|oara|. (||slr||, le|por, gaj| |aryaWar, d||) 8aru|ar d|dapal |eurlurgar oers|r. Keurlurgar oers|r |r||ar yarg d|oag| |epada para
per|||| usara, ya|lu Arda dar lerar Arda, sesu|a dg s|era oag| ras|| yarg sudar d|sepa|al|.
3eroga su|ses dg o|sr|s Arda. V||e R|r|
AC| hA8|L U8AhA ER8AHA
(3Tu0l KA3u3) Nara saya Vul|a, dar saya rau oerlarya sed|||l. 8aga|rara cara oag| ras|| sele|ar 1 larur rerja|ar|ar o|sr|s, d|rara |eurlurgar
|urayar, lap| roda| oersara l|da| sara oesar. Apa |lu yarg d|ra|sud dg r|s||o |euargar, r|s||o ourga roda|, dar r|s||o daya oe||.
Alas jaWaoarrya saya ucap|ar ler|ra |as|r. Vul|a --- Vedar
Jawaban:
lou Vul|a, serarg se|a|| ya usara Arda o|sa oerja|ar dg oa|| dar reroer||ar |eurlurgar yg |urayar.
urlu| pors| oag| ras||, |a|au rerarg d| aWa| l|da| ada perjarj|ar yg legas oerapa pors| peroag|arrya, ra|a o|sa d|gura|ar |orp|s| roda| seoaga|
acuarrya. V|sa|rya roda| yg d|selor|ar 10:0, ra|a oag| ras|| juga 10:0 dar| |eurlurgar oers|r.
Res||o |euargar rer||||| arl| yg sargal |uas, ya|lu sega|a res||o yg oer|a|lar dg |euargar. 3edarg|ar yg d|ra|sud dg res||o ourga roda| ada|ar res||o yg
d|larggurg usara yg rerdapal|ar pero|ayaar perroda|ar oerourga, apa|ar oeoar ourga yg rarus d|oayar |eo|r oesar dar| |eurlurgar |arera rer|rjar
alau l|da|. Ka|au res||o daya oe|| serd|r| ya|lu res||o rerururrya daya oe|| |orsurer |arera adarya |rl|as| (|era||ar rarga). Arrad 0oza||
EL| RUHAh ATA8 NAHA PERU8AhAAN YANC 8U0Ah T|0AK AKT|F
(3Tu0l KA3u3) 3aya oerercara |rg|r reroe|| rurar, d|rara |eper||||arrya ras|r alas rara perusaraar. Yarg saya dergar, perusaraar lerseoul sudar
l|da| oeroperas| |ag| - rarya l|rgga| rara saja. 3eoe|urrya, rurar lerseoul d|lerpal| o|er sa|ar salu d|re|lur perusaraar lerseoul. Yarg saya dergar |ag|,
lerjad| perse||s|rar arlara perusaraar dar d|re|lur yarg rererpal| rurar lerseoul, |arera yarg oersarg|ular rerasa oerra| alas rurar lerseoul. Kel||a
saya re||ral serl|l||alrya, rerarg ada calalar dar| 8PN oarWa rurar lerseoul sudar d|r|oar|ar |e perusaraar o|er d|re|lur lerseoul, dar ada
perryalaarrya. Telap| saya l|da| re||ral sural perryalaar lerseoul. Perlaryaar saya:
1. Apa|ar arar urlu| reroe|| rurar lerseoul?
2. 3aya |rWal|r dg slalus perusaraar lerseoul. Karera apao||a sudar lerjad| jua| oe|| d|oe|a|arg rar| lerryala perusaraar lerseoul rerurgga| paja|,
apa|ar rurar lerseoul osa d|s|la?
Alas perral|arrya |ar| ucap|ar ler|ra |as|r. N|r|e|
Jawaban:
la|o ou N|r|e|,
Te||l| seoe|ur reroe|| ada|ar pr|rs|p yarg rarus se|a|u ||la ja|ar|ar da|ar oeroe|arja, oa|| r||a|rya oesar alau l|da|. Apa|ag| j||a reryarg|ul peroe||ar
rurar yarg rargarya rerarg l|da| rurar. wa|aupur d|laWar|ar dg rarga rerdar, lelap saja r||a|rya pu|urar, oar|ar ralusar jula ou|ar? 3eoao peroe||ar
rurar yarg oerada da|ar serg|ela, pasl| rergardurg polers| rasa|ar yarg l|rgg|.
Corlorrya seperl| rurar yarg |rg|r Arda oe|| |r|, yarg perur dg |el|da| je|asar, arlara |a|r:
1. Keper||||arrya alas rara perusaraar yarg l|da| a|l|l |ag|, a||as d|lulup, alau sudar l|da| oeroperas| |ag|. J||a perusaraar lerseoul r|||| oeoerapa
orarg, ra|a |erurg||rar a|ar su||l urlu| rergada|ar lrarsa|s| jua| oe|| rurarrya. 3eoao lrarsa|s| jua| oe|| rurar rarya sar |a|au d|lardalargar|
o|er p|ra| peroe|| dar perjua| d| depar rolar|es. Padara| rergurpu||ar rere|a rurg||r a|ar reroulur|ar Wa|lu |ara, |ecua|| dar| p|ra| perjua|
alau perusaraar lerseoul le|ar reWa||||ar |epada sualu p|ra| yarg d|oer| |uasa urlu| rerjua| rurar lerseoul dar oerl|rda| alas rara rere|a, ra|a
sural |uasa rerjua| rurar lerseoul rarus ada ler|eo|r daru|u dar sar. J||a perusaraar lerseoul r|||| salu orarg saja rurg||r l|da| ler|a|u repol |arera
Arda oerurusar dg salu orarg saja.
2. Terjad| perse||s|rar arlara d|re|lur dg perusaraar lerseoul. Verurul |rlorras| yarg Arda ler|ra d|re|lurrya rerasa oerra| alas rurar lerseoul |arera
sudar d|r|oar|ar o|er perusaraar |epada d|r|rya. Pada serl|l||alrya juga lerdapal calalar dar| 8PN oarWa rurar lerseoul sudar d|r|oar|ar. larya
saja, Arda oe|ur re||ral ou|l| perryalaar r|oar yarg sar, dar oe|ur laru d|s|rpar o|er s|apa. Kerurg||rar oesar Arda rarus re|aca| du|u d|rara
|eoeradaar sural r|oar |r|. Arda o|sa larya|ar |epada p|ra| yarg reraWar|ar rurar lerseoul rergera| sural r|oarrya. J||a d|a l|da| o|sa
rerurju||ar sural r|oar yarg as||, ra|a Arda rarus oerral|-ral|. 3eouar rurar j||a sudar d|r|oar|ar secara resr| dar| p|ra| l |epada p|ra| ll, ra|a
se|arjulrya p|ra| ll yarg rerjad| per|||| sar alas rurar lerseoul. 0g der|||ar sega|a oerlu| jua| oe|| alas rurar lerseoul rarus se|j|r p|ra| ll.
Apa|ar arar reroe|| rurar lerseoul? Verurul saya seoa||rya Arda l|da| reroe|| rurar lerseoul Wa|aupur d|laWar|ar dg rarga rurar se|a||pur, sarpa|
rasa|ar serg|ela alas rurar lerseoul sudar d|se|esa||ar o|er para p|ra| yarg oersarg|ular juga d|ou|l||ar dg do|urer-do|err yarg sar. 8aru|ar
|ord|s|rya arar urlu| reroe|| rurar lerseoul.
Vergera| rasa|ar apa|ar rurarrya o|sa d|s|la perer|rlar a||oal perusaraar lerseoul alau per|||| |ara rerurgga| paja|, seoa||rya Arda rerarya|ar ra|
|r| |epada rolar|es yarg Arda percaya. Terlurya o|sa reroer| perje|esar yarg |eo|r oa|| sesua| dg |ua||l||as| proles|rya.
Vasa|ar yarg leroesar ada|ar slalus |eper||||ar dar| rurar lerseoul oe|ur je|as, apa|ar r|||| perusaraar alau r|||| d|re|lurrya? 3arar saya, jargar perrar
reroe|| rurar yarg slalus |eper||||arrya l|da| je|as, seoao a|ar rer|rou||ar serg|ela d| |erud|ar rar|. J||a serg|ela |r| lerjad| ra|a Arda o|sa
rerge|uar|ar uarg jaur |eo|r oarya| |ag| urlu| rerye|esa||arrya d| pergad||ar. 8erral|-ral||ar. V||e R|r|
EL| RUHAh HELALU| KRE0|T TANPA ACUNAN
(3Tu0l KA3u3) 3aya oerercara reroe|| rurar g|r|| dgr rrg se||lar 15 jl, dar saal |r| saya rarya purya dara se||lar 10 jula. yarg |rg|r saya larya|ar :
1. Apa|ar arar |a|au saya reroe|| rurar lerseoul dg rergaro|| Kred|l Tarpa Agurar (KTA) seperl| yarg se|ararg |r| oeoerapa 8ar| laWar|ar?
2. 8erapa s|r ourga yarg d|laWar|ar sel|ap oar| urlu| KTA lerseoul? 3e|a|r |lu, arar/ l|da| ya?
3. Targel c|c||ar saya se||lar Z00 ro/ o|r da|ar jarg|a Wa|lu 5 lrr. Apajar jur|ar seg|r| ras|r lergo|org arar?
Vororrya adv|se-rya rergera| produ| KTA lerseoul. Ter|ra |as|r 3r|rla --- 0epo|
Jawaban:
lou 3r|rla, seoelu|rya saya |urarg reryarar|ar urlu| reroe|| rurar dg KTA. 3eoa||rya KTA d|aro|| rarya urlu| pero|ayaar jarg|a perde|, sedarg|ar
urlu| rurar o|sa dg |red|l jarg|a parjarg. KTA pada saal |r| rer||||| su|u ourga d| alas KPR rarur ras|r d| oaWar |arlu |red|l lergarlurg dar| oar| yarg
rerge|uar|ar. Arar alau l|da|rya su|u ourga seoesar |lu lergarlurg dar| s|era pergeroa||ar dar pergras||ar Arda.
3e|a|r a|lerral|l rerggura|ar KTA urlu| peroe||ar rurar lad|, saya re||ral ada 3 a|lerral|l |a|r yarg o|sa Arda perl|roarg|ar.
1. V|rla per|||| |ara urlu| rer|rg|al|ar ler|eo|r daru|u slalus lararrya rerjad| oerserl|l||al agar o|sa reroe||rya dg KPR. Ka|au per|u, p|rjar| |a uarg
urlu| rergurus proses serl|l||as| lerseoul. Arggap saja seoaga| uarg ru|a. 3ele|ar oerserl|l||al, Arda o|sa rergaju|ar KPR |e oar| dg ourga yarg
|eo|r rerdar dar jarg|a Wa|lu yarg |eo|r parjarg dar| pada KTA.
2. 8ayar|ar uarg ru|a urlu| rurar lerseoul dar r|rla Wa|lu pe|urasar sarpa| proses |red|l d| oar| se|esa|. 8eg|lu Arda oe|| rurar lerseoul, |argsurg
l|rg|al|ar slalus lararrya rerjad| oerserl|l||al |argsurg alas rara Arda. La|u aju|ar |red|l ru|l|gura |e oar| dg jar|rar sural larar lad|. Kred|l
ru|l|gura |r| rerarg rer||||| jarg|a Wa|lu yarg rarp|r sara dg KTA. Narur ourgarya o|sa |eo|r |ec|| d|oard|rg KTA.
3. J||a a|lerral|l |edua l|da| o|sa d|ja|ar|ar |arera per|||| rurar l|da| o|sa d|aja| oerregos|as|, Arda o|sa |argsurg rergaju|ar KTA urlu| reroe||
rurar lerseoul secara lura|. Narur aju|ar p|alord yarg |eo|r l|rgg| seoaga| dara serl|l||as| lararrya. 8eg|lu rurar sudar d|oe||, |argsurg proses sural
lararrya. J||a serl|l||al larar sudar s|ap, aju|ar |red|l ru|l|gura dar |uras| KTA dg |red|l ru|l|gura lad|. Arrad 0oza||
ERAPA JUHLAh 6|6|LAN YANC AHAN?
(3Tu0l KA3u3) 0g rorral,
3aya dar |slr| oe|erja dg pergras||ar per ou|ar se||lar Rp. 5,5 jula. 3aal |r| perge|uarar rul|r dar| pergras||ar urlu| argsurar KPR rurar seoesar Rp. 1 jula.
3aya juga rerpurya| 1 orarg pulr| yarg ras|r TK. Kar| l|da| rerpurya| pergras||ar |a|r se|a|r gaj| |ar| oerdua.
3aal |r|, |ar| ada rercara reroe|| |erdaraar (roo||) dg ja|ar rerc|c||. Tola| uarg ru|a yarg sudar ada se||lar 20 jula.
Perlaryaar saya, ||ra-||ra, dg pergras||ar saya, roo|| dg rarga oerapa yarg Wajar saya oe||? 8eg|lu juga dg jur|ar c|c||ar yarg ras|r arar urlu| |euargar
|ar|, ser|rgga l|da| reroeral|ar. 0er|||ar dar ler|ra |as|r. Aodu| Roja| --- Ja|arla
Jawaban:
Ada dua cara urlu| rererlu|ar jur|ar c|c||ar yarg cu|up arar oag| Arda. Yarg perlara ya|lu dg rerggura|ar oalas c|c||ar ra|s|ra| slardar peralurar
peroar|ar, dar cara yarg |edua ya|lu dg reroual per||raar arus |as Arda serd|r|.
C|c||ar ra|s|ra| yarg rerjad| slardar peralurar peroar|ar ada|ar seoesar 30 dar| lola| pergras||ar. Narur ada juga oar| yarg rerelap|ar slardar
yarg |eo|r oesar ya|lu c|c||ar ra|s|ra| seoesar 10 dar| lola| pergras||ar. 0g re||ral lola| pergras||ar Arda oerdua, ra|a oesarrya c|c||ar ra|s|ra| yarg
d|peroo|er|ar o|er peroar|ar ya|lu se||lar Rp 1,5 jula (30 x Rp 5,5jula) sarpa| dg Rp 2,2 jula (10 x Rp 5,5jula). Karera Arda serd|r| sudar rer|||||
c|c||ar rurar seoesar Rp 1 jula, ra|a c|c||ar urlu| roo|| yarg ras|r arar ada|ar l|da| |eo|r dar| Rp 50 r|ou sarpa| dg Rp 1,2 jula per ou|ar.
3ererlara cara |edua ya|lu dg rergr|lurg serd|r| arus |as Arda. 0ar| pergras||ar Rp 5,5 jula per ou|ar, oerapa perge|uarar rul|r Arda se|ara |r|? Jargar
|upa laroar|ar pu|a dg perge|uarar laroarar ya|lu urlu| o|aya operas|ora| roo|| (88V, par||r, lo|, d||) serla o|aya pere||raraarrya (serv|s, o||, paja|).
l|lurg oerapa surp|us yarg ras|r lers|sa, |lu|ar oersarrya c|c||ar ou|arar urlu| roo|| yarg Arda sarggup|.
Vergera| oerapa oesarrya rarga roo|| yarg rarpu d|oe||, d|sesua||ar saja dg c|c||arrya. Karera rarga roo|| yarg o|sa d|oe|| dg c|c||ar ra|s|ra| yarg
sudar ||la r|lurg sargal lergarlurg pada jarg|a Wa|lu dar oesarrya su|u ourga |red|l. Arrad 0oza||
|NCUNC ERw|RAU8AhA
(3Tu0l KA3u3) 0ear Pa| 0oza||,
Voror d|oarlu. Kar| sargal perg|r ou|a usara serd|r|. K|ra-||ra usara apa yarg o|sa ||la |a|u|ar dg roda| |ec||. 0ela|| apa yarg rarus saya sarpa||ar
|epada Pa| 0oza||? Err|e 8ud|
Jawaban:
3eouar usara l|da| rarus rergarda||ar roda| uarg yarg oesar. Karera seouar usara o|asarya ou|ar rarya reroulur|ar roda| uarg, lap| juga |ear||ar
dar rara oa||. Karera ler|adarg, l|da| serua orarg rer||||| seruarya se|a||gus. Ada orarg yarg purya uarg, rarur l|da| purya perga|arar & oe|ur
d||era| oa|| d| dur|a usara. 8eg|lu juga seoa|||rya.
8|sa jad| seseorarg l|da| purya oarya| uarg lap| |arera purya rara oa|| yarg d|percaya orarg |a|r, |a o|sa rerdapal|ar |epercayaar urlu| rerge|o|a
usara dg roda| dar| orarg |a|r. Alau o|sa juga seseorarg yarg l|da| rer||||| roda| uarg serd|r| yarg oesar, rarur rer||||| |ear||ar o|sa oe|erja sara dg
seorarg peroda| dar oeroag| ras||.
0g cara d| alas, Arda o|sa rer||||| usara larpa rarus roda| uarg. Narur ada salu syaralrya, ya|lu rarus re|a oeroag| |eper||||ar, alau oeroag| |eurlurgar
dg orarg |a|r.
Ka|au Arda l|da| rau oeroag| |eper||||ar alau oeroag| ras||, ra|a Arda rarus rercar| |de usara yarg l|da| oarya| reroulur|ar roda| aWa|. usara yarg
l|da| oarya| reroulur|ar roda| o|asarya ada|ar usara yarg oarya| rergarda||ar |ear||ar. V|sa|rya reparas|/serv|ce AC, |aler|rg, d||. usara |r| o|sa
d|ja|ar|ar d| rurar dg per|erg|apar yarg sederrara, oar|ar o|sa seWa saja sel|ap ada orderar.
Alau car| a|lerral|l usara yarg roda|rya o|sa d|c|c|| secara oerlarap. V|sa|rya usara VLV. usara |r| l|da| oarya| reroulur|ar roda| d| aWa|. Cu|up o|aya
perdallarar saja. 8|aya se|arjulrya a|ar |e|uar seperl| ul| peroe||ar oararg pe|al|rar. Tap| |lu serua o|sa d||a|u|ar secara oerlarap. Arrad 0oza||
|NCUNC CAJ| KARYAwAN 0AN |AYA PAJAK
(3Tu0l KA3u3) 8u R|r|,
3aya a|ar reru|a| usara oaru d|o|darg erg|reer|rg. larp|r serua |a||u|as| yarg oeruourgar dg casr-l|oW sudar d|perr|lurg|ar. Vasa|arrya, saya l|da|
purya |rlo rergera|:
1. Per||raar gaj| |aryaWar (|arera s|||| yarg saya rarap|ar spes|l||, sudar pasl| d|alas uVR). 0g |ala |a|r, dar|rara saya laru slardar gaj| urlu| sualu
|ear||ar?
2. 8|aya perpaja|ar. 3aya sara se|a|| oula lerlarg paja| yarg rarus d|oayar o|er pergusara d| o|darg |r|.
Ter|ra |as|r alas perje|asarrya.
Jawaban:
la|o pa| Jal|,
3aya lurul serarg alas rercara Arda rerou|a usara d| o|darg erg|reer|rg. Verarg oarya| se|a|| pers|apar yarg rarus d||a|u|ar da|ar rarg|a pers|apar
rerou|a usara. 0ar |rususrya d| o|darg usara, ra|a adarya leraga ar|| alau |aryaWar yarg oerperga|arar da|ar o|darg erg|reer|rg sargal perl|rg.
3eoao leraga ar|| rerarg d|oulur|ar da|ar re|a|sara|ar oarya| proye| usara Arda. Vasa|arrya, saal |r| Arda aga| |esu||lar rerelap|ar per||raar gaj|
para leraga ar|| alau |aryaWar Arda. uVR rerarg o|sa rerjad| palo|ar r|r|ra| saja, adapur leraga |erja lerarp|| dg |ear||ar lerlerlu lerlurya d|oayar
|eo|r dar| uVR. Perelapar gaj| rerarg perl|rg agar Arda l|da| reraWar ler|a|u rurar ser|rgga orarg segar oe|erja urlu| Arda, dara jargar oer|eo|r juga
agar Arda l|da| rerug|.
3arar saya, Arda rarus rergurpu||ar |rlorras| ler|a|l dg rasa|ar perggaj|ar |r| |e oeoerapa suroer agar o|sa d| oard|rg|ar salu sara |a|r, arlara |a|r:
Penga|aman Pr|bad|. J||a Arda perrar oe|erja urlu| perusaraar |a|r seoaga| leraga ar|| juga Arda o|sa rergaro|| palo|ar gaj|rya urlu| pe|erjaar
yarg selara dar sesua||ar|ar dg |era||ar |rl|as|.
ertanya kepada orang |a|n yang te|ah berpenga|aman. Varlaal|ar|ar jar|rgar o|sr|s Arda. wa|aupur perggaj|ar s|lalrya raras|a, rarur da|ar
pero|rcargar o|sr|s yarg l|da| lorr|| rurg||r Arda o|sa rercooa rergga|| |rlorras| dg oerlarya secara saro|| |a|u dar| re|ar o|sr|s Arda yarg |a|r
urlu| rergelaru| slardar gaj| leraga ar|| pada perusaraar rere|a.
Vasa|ar paja| juga rerjad| oag|ar perl|rg dar| |e|aya|ar sualu usara, da|ar ra| |r| usara erg|reer|rg Arda. usara rerjad| |aya| j||a roda| yarg ||la
larar|ar da|ar o|sr|s lerseoul reroer||ar pr|or|las ulara pada asep| |euargar, ya|lu apa|ar jur|ar roda| yarg d|larar o|sa |eroa||, |apar |eroa||rya
(oa||| roda|), dar |apar ra| |lu dapal d|rea||s|sr. 0|er |arera perl|rgrya aspe| |euargar da|ar re|a|u|ar |e|aya|ar usara, ada|ar ra|l o||a ||la
rergaoa||ar aspe| perpaja|ar yarg reryerla| usara lerseoul.
0|er |arera |lu, ra|-ra| yarg oer|a|lar dg lala cara perpaja|ar dar |eWaj|oar yarg d|oer||ar da|ar rarg|a perpaja|ar |epada Waj|o paja| rerupa|ar ra|
perl|rg yarg rarus rerdapal perral|ar Arda. 3a|ar salu pr|rs|p dasar paja| ada|ar pr|rs|p |ega||las ya|lu paja| rarya dapal d|oeoar|ar |epada suoje| paja|
o||a suoje| dar ooje| paja| lerseoul le|ar d|lerlu|ar o|er urdarg-urdarg dapal d|oeoar|ar paja|.
3eoaga| |rlorras| oer||ul |r| ada|ar lar|l paja| yarg d|alur da|ar |elerluar urdarg-urdarg paja| pergras||ar. waj|o paja| oadar da|ar reger| dar| oerlu|
usara lelap ada|ar seoaga| oer||ul :
LAPl3AN PEN0lA3lLAN KENA PAJAK
1. 3arpa| dg Rp 50 jula: TARlF PAJAK = 10
2. 0| alas Rp 50 jula s/d Rpp 100 jula: TARlF PAJAK = 15
3. 0| alas Rp 100 jula: TARlF PAJAK = 30
Tar|l paja| d| alas ada|ar lar|l paja| yarg oer|a|u urur. Adapur pery|rpargar alas perlar|lar lerseoul dapal saja d|rurg||r|ar seoaga|rara yarg d|alur
da|ar |elerluar urdarg-urdarg paja| pergras||ar.
J||a Arda oe|ur rergelaru| apa|ar Arda sudar rererur| syaral rerjad| Waj|o paja|, oerapa |eWaj|oar paja| yarg rarus d|oayar, |apar rarus
reroayarrya, dar |erara rarus reroayarrya, jargar ragu urlu| rercar| |rlorras|rya |e Karlor Pe|ayarar Paja| (KPP) d| W||ayar Arda. 0| sara Arda
o|sa rerarya|ar rergera| |eo|ja|ar paja| yarg ler|a|l dg usara Arda. Arda juga o|sa rergruourg| Korsu|lar paja| yarg jur|arrya se|ararg sudar re|al|l
oarya|. Arda o|sa rerdapal |rlorras| dar as|slers| da|ar rererur| |eWaj|oar perpaja|ar Arda. 3aal |r| oarya| lerdapal |arlor |orsu|lar paja| dar| s|a|a
oesar sarpa| s|a|a |ec||, yarg os|a d|p|||r sesua| dg s|a|a o|sr|s Arda.
3eroga o|sa reroarlu Arda. V||e R|r|
|NCUNC 8ELALU N0H0K
(3Tu0l KA3u3) 0ear Pa| 0oza||. Pa|, saya ada|ar |aryaWar sWasla dg gaj| 2,5jl/ ou|ar. Pergras||ar suar| se||lar 1jl/ ou|ar. Kar| rerpurya| seorarg ara|
oerurur 3 larur yarg sudar se|o|ar.
Vasa|arrya, |ar| l|da| perrar o|sa reraourg. 0| oaWar |r| ada|ar arggarar oe|arja rurar |ar| sel|ap ou|arrya.
Perge|uarar lelap:
3e|o|ar ara| : 1, jl/ 3o|r
C|c||ar roo||: 1,13 jl
3usu ara|: 850ro
uarg ra|ar ara| : 500ro (|arera sel|ap rar| d|a rarus dar cura ra|ar ayar)
0aj| peroarlu: 3Z5ro
0aj| oaoy s|ller: 520ro
lr| saja oe|ur lerrasu| o|aya ra|ar dar oe|arja grocer|es, oayar ||slr|| dar a|r, ser|rgga rarp|r sel|ap ou|ar roroo|. 3e|ararg saya oaru saja oe|| dara
pers|ur se||lar 500ro perou|ar. Verurul arda, sarggup ld| saya rererur| serua |r|? 3aya r|rla sararrya ya, Pa|. Ter|ra |as|r seoe|urrya. C'||e --- TN0
Jawaban:
Ka|au d|||ral se|||as, seoelu|rya pergras||ar Arda oerdua cu|up l|rgg|. 8ar|ar |eoulurar rul|r ou|arar yarg Arda seoul|ar pur l|da| ler|a|u oesar |arera
ras|r da|ar oalas yarg Wajar. Kecua|| rerarg perge|uarar urlu| ra|ar ara| yarg |rusus. Karera |a|au d|jur|ar|ar, perge|uarar ou|arar yarg sudar
Arda seoul|ar ras|r d| oaWar Rp 1 jula, arl|rya ras|r oarya| yarg o|sa d|a|o|as||ar urlu| oe|arja dar reroayar lag|rar ul|||las.
Vurg||r peryeoao Arda ser|rg roroo| se|ara |r| ada|ar |arera Arda l|da| rer||||| arggarar ou|arar yarg je|as. Arda l|da| reroalas| peroe|arjaar
Arda oerdasar|ar oudgel, lap| rarya oerdasar|ar |e|rg|rar saja. Kedua, o|sa jad| |arera |urargrya d|s|p||r da|ar rergalur arggarar yarg s|lalrya l|da|
rul|r ou|arar seperl| ra|rya uarg se|o|ar ara| yarg d|oayar sel|ap 3 ou|arar, |r| pur o|sa reroer||ar pergarur lerradap |eo|asaar Arda. Var| ||la oaras
salu-persalu rergera| ra| lerseoul.
Vergera| arggarar ou|arar, oual|ar arggarar oe|arja ou|arar. Ver||||| arggarar per ou|ar sargal perl|rg |arera reroual perge|uarar ||la |eo|r
ler|erda||. Kurc| su|ses reryusur arggarar ada|ar oual|ar arggarar |e|uarga |eo|r |ec|| dar| pergras||ar |e|uarga Arda, dar o|asa|ar oe|arja sesua| dg
yarg sudar d|arggar|ar. 0g reralur| arggarar yarg sudar d|lelap|ar ra|a Arda dapal lerr|rdar dar| del|s|l. lal|-ral| dg pos perge|uarar peroayarar
uarg se|o|ar ara| Arda. Ke||ralarrya rerarg sepe|e |arera o|sa d|oayar|ar 3 ou|ar se|a||, dar jur|arrya juga l|da| ler|a|u oesar |arera o|sa d|oag|
rerjad| 3. Tap| |a|au sa|ar da|ar rery||ap|rya, o|sa-o|sa |euargar Arda ra|ar l|da| lerlala dg oa||. V|sa|rya saja Arda l|da| d|s|p||r rery|s|r|ar c|c||ar
pada ou|ar perlara dar |edua, a||oalrya rarus reroayarrya se|a||gus d| ou|ar |el|ga. Karera rerasa oarWa |r| ada|ar perge|uarar yarg l|da| rul|r, ra|a
Arda rerasa ras|r rer||||| ra| urlu| reroe|arja|ar uarg urlu| a|o|as| peroe|arjaar ou|arar Wa|aupur uarg Arda seoelu|rya sudar rao|s. lr||ar yarg
reroer||ar Arda a|asar urlu| roroo|. J||a sudar se|a|| roroo|, ra|a a||oalrya o|sa oer|arjul |e ou|ar-ou|ar se|arjulrya. Karera lerlurya d| ou|ar
se|arjulrya Arda rarus lelap per|u rerulup loroo|ar d| ou|ar seoe|urrya, saro|| juga rery|s|r|ar urlu| peroayarar urlu| 3 ou|ar |edepar. A||oalrya,
Arda seperl| d| |ejar-|ejar o|er perge|uarar dar |e|urargar yarg l|da| rerl|-rerl|rya.
3alu ra| |ag|, rergera| perge|uarar |rusus urlu| ra|arar ara| Arda. 3eoaga| orarg lua, Arda per|u reruoar |eo|asaar yarg l|da| oa|| |r|. Karera
oaga|rarapur g|z| se|roarg|ar yarg d|oulur|ar o|er ara|-ara|. J||a rarya rerg|orsurs| salu jer|s ra|arar saja, ra|a lerlurya g|z|rya rerjad| l|da|
se|roarg. la| |r| rerarg l|da| o|sa d||a|u|ar se|a||gus, lap| saya ya||r o|sa d||a|u|ar secara oerlarap. 3e|a|r perrasa|arar g|z| dar pergreralar, ra| |r|
juga perl|rg d||a|u|ar urlu| reroer||ar perd|d||ar l|rars|a| seja| d|r|. 3eorarg ara| yarg lerus-rererus d|rarja dar d|lurul| sel|ap |erauarrya o|sa jad|
a|ar rer||||| |eo|asaar perge|o|aar |euargar yarg l|da| oa|| d| rasa deWasarya rarl|.
0er|||ar sarar dar| saya, seroga oerras||. Arrad 0oza||
|8N|8 RUHAh HAKAN
(3Tu0l KA3u3) Eur||e L|rda --- 8ogor
3aya |rg|r rerou|a rurar ra|ar, rarur ras|r ragu. Voror d|oarlu urlu| ra|-ra| d| oaWar |r|:
1. Pers|apar yarg per|u d||a|u|ar?
2. Korsu|lar |ay-oul?
3. Korsu|lar lerlarg ra|arar?
1. Per|||rar rara yarg sesua|?
Jawaban:
Pers|apar perlara urlu| reru|a| o|sr|s apa saja, lerrasu| rurar ra|ar ada|ar rerpers|ap|ar rerla| urlu| rergradap| larlargar |ela|ular dar
|eraguar a|ar |egaga|ar. 3ele|ar |arg|ar perlrara |r|, ||r| reryarg|ul rasa|ar operas|ora| dar| rercara usara Arda. Vasa|ar-rasa|ar le|r|s yarg
reryarg|ul se|u| oe|u| pe|erjaar per|u d|s|ap|ar rap|. Vu|a| dar| rergr|lurg |erarpuar d|r|, |elerarp||ar yarg d|r||||| yarg reryarg|ul o|darg pe|erjaar
|lu, urlu| usara rurar ra|ar r|r|ra| rarus rergerl| rasa|ar. 8|sa p|rlar rerasa|, |eo|r oa|| |ag| ar|| rerasa|. Narur, urlu| rerjad| pergusara rurar
ra|ar l|da| rarus rerjad| ar|| rerasa| du|u, lelap| yarg lerperl|rg ada|ar rarpu rerge|o|a usara |lu, leraga ar|| yarg o|sa rerasa| o|sa d|re|rul.
Pers|apar |a|rrya, ada|ar lersed|arya prasarara dar sarara. Pergerl|ar lersed|arya ou|ar oerarl| rarus rerjad| r||||rya, lelap| o|sa d|pero|er dar|
rer|rjar alau reryeWa ler|eo|r daru|u, |ecua|| rerarg lersed|a dara yarg cu|up yarg sergaja d||rveslas||ar |e usara Arda urlu| jarg|a parjarg.
Prasarara ada|ar ra|-ra| |erudarar oers|lal l|s|| raupur ror l|s|| yarg rerdu|urg pergoperas|ar sarara-sarara alau a|al-a|al. 3edarg|ar sarara ada|ar
a|al-a|al urlu| re|a|u|ar |eg|alar-|eg|alar lerlerlu. 0a|ar usara rurar ra|ar, ra|a yarg lerrasu| prasarara ada|ar lerpal yarg slraleg|s, leraga ar||
(juru rasa|), roda| usara, dar |z|r usara, sedarg|ar reja |urs|, pera|alar ra|ar, pera|alar rasa|, dar seoaga|rya ada|ar sarara.
8er||ul |r| ada|ar oeoerapa l|ps reru|a| usara rurar ra|ar yarg o|sa Arda ja|ar|ar:
1. uka|ah usaha |n| d|tempat yang strateg|s, oarya| orarg |a|u |a|arg, d|p|rgg|r ja|ar raya, cu|up oarya| |erdaraar yarg |eWal. Terpalrya l|da| per|u
ler|a|u oesar du|u, sesua||ar dg roda| dar lo|erars| Arda rergradap| r|s||o usara. Vergera| des|gr |ay-oul dar |rler|or rurar ra|arrya lerlurya
rarus o|sa rerorjo||ar c|r| |ras dar| rurar ra|ar Arda. Arda o|sa oer|orsu|las| |argsurg dg ar||rya, rarur seoa||rya Arda juga rerpurya| |de
serd|r| seoe|ur oer|orsu|las| dg ar||rya.
2. Usaha rumah makan juga sangat sens|t|f terhadap rasa, |arera |lu perl|rg se|a|| ada lu|arg rasa|ar yarg oelu|-oelu| ar|| d|o|dargrya. Jua||ar
rasa|ar yarg leroa|| dar oerrulu l|rgg|. Jargar cooa-cooa rerou|a rurar ra|ar j||a l|da| ada juru rasa| yarg reoal rasa|arrya. 3eoa||rya
Arda |a|u|ar oeoerapa |a|| percooaar lerlarg era| l|da|rya rasa|ar yarg a|ar d|jua| dg re||oal|ar oeoerapa orarg seoaga| |orsurer. 3ele|ar
rere|a serua reryala|ar era|, Arda oaru oo|er rerou|arya.
3. 8eba|knya Anda juga mengurus |z|n usahanya. 8|sa |z|r usara dar| RT/Rw alau |eararar selerpal. Narur secara pr|rs|p, yarg saya ra|sud|ar
ada|ar oeroadar ru|ur ya|lu dg a|le rolar|s. la| |r| sargal d|per|u|ar o||a usara Arda d| p|rgg|r ja|ar raya dar re||oal|ar oeoerapa pe|erja. T|da|
per|u rerd|r||ar PT alau Cv, r|sa|rya cu|up da|ar slalus u0 (usara 0agarg) r|||| perseorargar, ya|lu Arda yarg d|sar|ar o|er rolar|s.
Kerud|ar per|z|rar |a|r seperl| NPwP. Narur jargar sarpa| |z|r usara |r| juslru rergra|arg| r|al Arda rerd|r||ar usara. Tor o|sa oerlarap: |z|r RT
du|u, saro|| ja|ar, usara ra|a|r rara| ra||r |ar|s, |z|r usara ra||r d||erg|ap|.
1. Hengena| pem|||han nama, seoa||rya ou|ar rarya rudar d||era|, lelap| juga a|rao dar sesua|. Nara juga jargar ler|a|u parjarg dar rarus rudar
d||rgal. larap d|perral||ar juga urlu| l|da| rergarggap rerer persaraar rara dg rurar ra|ar |a|r. 3eoao o|sa rer|rou||ar perserg|elaar.
Perral||arr|ar rere|-rere| yarg sudar ada, |a|u o|||r yarg oeroeda.
3e|aral rerou|a usara rurar ra|ar. V||e R|r|
UKA U8AhA T0K0 KEL0NT0NC
(3Tu0l KA3u3) Ylr, lou V||e,
3aya oerercara |rg|r rerou|a Warurg |e|orlorg yarg rerjua| |eoulurar serar|-rar| d| rurar. Tap| d| depar rurar saya sudar ada saudara saya yarg
rerou|a Warurg, lap| jua|arrya s|a|a |ec||, r|sa|rya gu|a u|urarya 1/1 |g, ra|arar ara|-ara| se|a||gus rerla| p|ayslal|or (P3), sedarg|ar saya |rg|r
rerjua| oararg |e|orlorg lo|, lap| u|urarrya aga| oesar dar saya l|da| a|ar rerjua| ra|arar ara|-ara| seperl| yarg saudara saya jua|.
8aga|rara rerurul perdapal lou? 3oa|rya saya l|da| era| ral| dg d|a dar orarg |a|r rarl| d|||ra saya rerya|rg| d|a, sedarg|ar urlu| rerou|a usara yarg
|a|r saya oe|ur ada garoarar. 0ar |a|au saya l|da| rerou|a usara, saya la|ul uargrya a|ar rao|s oeg|lu saja. 3aya lurggu jaWaoar dar| lou, seoe|urrya
saya ucap|ar ler|ra |as|r. lorral saya, 3|l| Pal|ra
Jawaban:
la|o 8u 3|l|,
3aya seluju se|a|| dg |e|rg|rar lou urlu| rerou|a usara. Apa|ag| j||a sudar lersed|a sejur|ar dara yarg rergarggur. 0ar|pada rao|s oeg|lu saja, |eo|r
oa|| d| produ|l|l|ar da|ar oerlu| usara. T|ap usara pasl| a|ar rergradap| persa|rgar lerulara dar| usara-usara yarg sejer|s dg usara yarg a|ar ||la
ou|a. Narur rasa|ar persa|rgar usara ou|ar|ar sesualu yarg per|u d|la|ul| alau l|da| per|u sarpa| reroual Arda l|da| era| ral|. Asa||ar sega|a sesualu
d|ja|ar|ar sesua| dg el||a o|sr|s yarg oer|a|u urur, sar-sar saja rerou|a usara yarg pers|s sara dg saudara Arda. J||a ||la ||ral d| pusal-pusal
peroe|arjaar, oar|ar da|ar salu |arla| yarg sara oarya| oerdarp|rgar ||os-||os |ec|| yarg sara-sara rerjua| sepalu alau oaju. Lela|rya oar|ar
oerderpelar. Narur, j||a ||la re|al rerjua| oararg yarg sara, padara| pesa|rg ||la sudar reru|a| ler|eo|r daru|u, o|sa-o|sa lo|o ||la l|da| d|||r|| orarg.
3eoao l|da| ada r||a| |eo|rrya.
Karera |lu, saya seluju j||apur Arda |rg|r rerou|a Warurg |e|orlorg seperl| saudara Arda, ra|a per|u ada peroedaar yarg reroual para ca|or peroe||
re||ral r||a| |eo|r dar| Warurg Arda. 0g adarya peroedaar yarg rer|rou||ar c|r| |ras ra|a usara yarg salu l|da| a|ar reral||ar usara yarg |a|r. 8ar|ar
persa|rgar usara a|ar oer|argsurg secara seral dar sa||rg rerdu|urg salu sara |a|r. urlu| reruju |ord|s| |dea| |r|, ra|a sarar saya, agar Arda
rerpe|ajar| ler|eo|r du|u apa |e|eo|rar dar |e|urargar pesa|rgar Arda. Ka|au per|u oual dallar ser|rgga rerudar|ar Arda rerg|rgal. 3e|arjulrya
slraleg| perasarar Arda a|ar d|ru|a| oerdasar|ar dala-dala |r|. V|sa|rya:
1. Pesa|rg Arda sudar rerpurya| c|r| |ras yarg je|as ya|lu jasa p|ay sal|or (P3) yarg juga rerjua| |eper|uar serar|-rar|, |arera |lu seoa||rya Arda l|da|
reraWar|ar jasa P3.
2. 8arya| se|a|| jer|s oararg |eper|uar serar|-rar| yarg o|sa d|jua| d| Warurg |e|orlorg, rarur l|da| seruarya lersed|a d| Warurg |e|orlorg saudara
Arda. Karera |lu Arda o|sa rerjua| oararg-oararg yarg l|da| ada d|sara. J||a pur sara, rurg||r Arda o|sa rerjua|rya dg u|urar oeroeda. V|sa|rya
j||a pesa|rg arda rerjua| seroa|o da|ar u|urar |ec||, Arda o|sa rerjua| seroa|o da|ar u|urar yarg oeroeda juga se|a||gus rerjua| sayur rayur,
per|erg|apar ||slr||, |osrel||, per|erg|apar rard| dar rercuc| serla per|erg|apar |eoers|rar |a|rrya. Vurg||r Arda juga o|sa rercooa rerjua|
ra|arar o|arar, ra|arar |a|ergar, alau ra|arar da|ar |erasar pra|l|s.
3. Perral||ar rasa|ar rarga agar r|r|ra| sara, usara|ar l|da| |eo|r rara| dar| pesa|rg, rarur jargar juga ler|a|u rurar agar l|da| reral||ar usara
pesa|rg. Perral||ar persa|rgar rarga arlara oeroaga| lo|o seroa|o d| se||lar |o|as| lo|o Arda, |arera o|asarya para peroe|| lerulara |ou-|ou rurar
largga sargal sers|l|l lerradap se||s|r rarga oa|| oesar alau |ec||.
3e|aral rerou|a usara. V||e R|r|
6ARA KARYAwAN |8A NA|K CAJ| EHPAT KAL| 0ALAH 8ETAhUN
HEHUAT N| LA| TAHAh
N||a| tambah pertama yarg rarus se|a|u ada ada|ar b|sa d|percaya. 8||a ||la |elaruar re|a|u|ar pergge|apar, rar|pu|as|, alau per|puar d| perusaraar, oa||
oesar raupur |ec||-|ec||ar, sudar pasl| ||la su||l d|proros| alau ra|| gaj| secara ra|s|ra|. 8|sa d|percaya ada|ar lordas| yarg pa||rg rerdasar d| se|urur o|darg
|er|dupar. 8ayarg|ar apao||a Arda seorarg per|||| perusaraar alau seorarg alasar yarg reroulur|ar |aryaWar urlu| d|proros| dar d|oer| larggurg jaWao
yarg |eo|r oesar, alau oar|ar urlu| d|aja| rerjad| parrner. 3udar pasl| yarg d|p|||r ada|ar orarg yarg dapal d|percaya.
N||a| tambah yang kedua, ||la rarus rergras|||ar |eo|r dar|pada yarg ||la ler|ra, |eo|r dar| |aryaWar yarg |a|r. Yarg d|ra|sud |eo|r dar| yarg ||la ler|ra ada|ar
o||a gaj| ||la 100, ||la rarus reroer| |eo|r dar| 100 dar o||a ||la rarya reroer| 100, ||la pas dar |aya| urlu| l|da| ra|| gaj|. Yarg d|ra|sud |eo|r dar| |aryaWar
yarg |a|r ada|ar reroer||ar ||rerja yarg |eo|r reoal dar|pada sesara |aryaWar pada |eve| yarg sara. Kerapa ||la |aya| urlu| ra|| gaj| selarur erpal |a||?
Karera ||la rerpurya| pr|rs|p 1-3-5. Ya|lu 1 |aryaWar d|gaj| 3 |a|| ||pal dar| rala-rala |arera rerpurya| produ|l|v|las 5 |a|| ||pal dar| rala-rala.
Per|u se|a|u d||rgal, pr|rs|p rergera| r||a| laroar:
l|dup ada|ar r||a| laroar, lap| |a|au serua r|dup, oerarl| r|dup ou|ar |ag| r||a| laroar re|a|r|ar r||a| slardar.
Jujur ada|ar r||a| laroar, lap| |a|au serua jujur, oerarl| jujur ou|ar |ag| r||a| laroar re|a|r|ar r||a| slardar.
Vercapa| largel 100 ada|ar r||a| laroar, lap| |a|au serua rercapa| largel 100, oerarl| rercapa| largel 100 ou|ar |ag| r||a| laroar re|a|r|ar r||a| slardar.
urlu| o|sa |eo|r dar|pada |aryaWar |a|r, ||la rarus rerggura|ar jurus ATV (Aral|, T|ru, Vod|l||as|). 3el|ap ada |aryaWar |a|r, caoarg |a|r, perusaraar |a|r yarg
|eo|r su|ses, aral| secara dela||, le||l| oaga|rara o|sa rer|ru, dar |a|au per|u re|a|u|ar rod|l||as| lerlerlu dg cara rerguoar alau rreraroar|ar sesualu.
N||a| tambah yang ket|ga ada|ar |r|s|al|l urlu| rerye|esa||ar rasa|ar. T|da| per|u rerurggu sarpa| d|surur. l|rdar| |ecerderurgar urlu| rerya|ar|ar
p
rarg |a|r, alasar, s|luas|, ara| ouar, lelap| lurju||ar |r|s|al|l urlu| rerye|esa||ar rasa|ar lerseoul. Kel||a ||la laru ada yarg l|da| oeres, ||la l|da| 8EJ
{3| ame, Excuse, Jusr| l,j lap| oer|r|s|al|l urlu| rerye|esa||ar rasa|ar.
N||a| tambah yang keempat ada|ar berper||aku reryerarg|ar. Jaga perarp||ar, |ed|s|p||rar, |esoparar, ororg oa|| d| depar dar d| oe|a|arg. 0rarg
yarg ororg je|e| d| oe|a|arg sara se|a|| l|da| reryerarg|ar.
Mengomunikasikan Prestasinya kepada 0rang yang 7epat
8||a ||la sudar rerpurya| r||a| laroar, ||la rarus |orur||as||arrya. 0rarg yarg rerpurya| r||a| laroar yarg |eo|r dar| |aryaWar |a|r yarg l|da|
rergorur||as||ar lelap o|sa ra|| gaj| dar d|proros||ar, lap| a|ar ra|ar Wa|lu |eo|r |ara. Korur||as||ar ra| |lu |epada orarg yarg lepal, ya|lu alasar
alau per|||| perusaraar. Ka|au ||la rarya rergorur||as||ar preslas| ||la |epada
p
rarg yarg l|da| lepal, ||la rarya rerdapal puj|ar war... reoal, lelap|
l|da| ra|| gaj| dar d|proros||ar.
Mencapal Prestasi itu 8erkali-kali
K|la a|ar d|proros||ar o||a rercapa| preslas| oer|a||-|a|| (da|ar jur|ar yarg oarya|, rurg||r juga dg perusaraar yarg |a|r).8||a ||la rergorur||as||ar
preslas| ||la |epada alasar ||la serd|r|, o|sa jad| alasar ||la ras|r lerarg-lerarg saja, dar ||la l|da| rerdapal|ar |era||ar gaj| alau proros|. 3eoa|||rya, o||a
oarya|
p
rarg dar| per|||| perusaraar alau alasar perusaraar yarg |a|r rergelaru| r||a| laroar ||la, ||la a|ar rerer|ra oarya| laWarar |era||ar gaj| dar
proros| dar| |uar
3arar saya: o|ar|ar alasar ||la serd|r| laru adarya peraWarar dar| perusaraar alau alasar yarg |a|r, ser|rgga ||la a|ar jad| reoular. 3e|a|u |rgal pr|rs|p |r|
yarg sudar ||la urg|ap d| alas: |a|au ||la rau rerjua|, yarg oe|| r|r|ra| rarus ada dua; |a|au ||la rau reroe||, yarg jua| r|r|ra| rarus ada dua.
0g Cara yang 7epat
Yarg d|ra|sud dg cara yarg lepal ada|ar |s|rya lepal, sarararya lepal, Wa|lu dar lerpalrya lepal.
ls| yarg lepal: 8||a rau usu|, se|a|u gura|ar |ala-|ala, Verurul perga|arar 8apa|..., o||a ||la re|a|u|ar .... (|s| serd|r| usu|ar Arda), rurg||r|ar ||la rerjad|
seperl| .... (|s| serd|r| ras|| yarg Arda per||ra|ar).
8||a l|da| seluju dg perdapal alasar ||la, gura|ar p|ra| |el|ga. Corlor: Verurul perga|arar 8apa|... r|sa|rya ada cusromer yarg |eoeralar a|ar (|s| serd|r|
|eoeralar Arda) ||la seoa||rya rarus oaga|rara?
8||a rau rergorur||as||ar r||a| laroar ||la, |ala|ar: 3e|aral Pa|l 8er|al 8apa| ou|ar |r| ||la rercapa| .... (|s| preslas| yarg sudar Arda capa|).
3arara yarg lepal ada|ar oerleru, |orur||as| erpal rala. Preserlas||ar preslas| Arda pada Wa|lu rapal larurar. l|ul| per|urpu|ar asos|as| rarajer alau
o|sr|s, ser|rgga Arda d||elaru| orarg oarya|.
wa|lu dar lerpal yarg lepal ada|ar |el||a mooo alasar Arda sedarg oa||. 8aga|rara o|sa laru ra| |lu? Tarya|ar pada se|relar|sryal
LAP0RAN KEUANCAN
Laporan keuangan terd|r| dar| dua |aporan utama dan beberapa |aporan yang s|fatnya sebaga| pe|engkap. Laporan utama tersebut ada|ah:
1. Laporar Perr|lurgar Rug|- Laoa
2. Neraca
0ar Laporar pe|erg|ap seperl|:
1. Laporar Peruoarar Laoa 0|larar
2. Laporar 3uroer dar Pergguraar 0ara / Laporar Peruoarar Pos|s| Keuargar
3. Calalar alas Laporar Keuargar
LAP0RAN PERh|TUNCAN RUC| - LAA
Verupa|ar ||rl|sar pergarur-pergarur l|rars|a| dar| usara-usara perusaraar yarg rergurlurg|ar alau rerug||ar se|ara jarg|a Wa|lu lerlerlu.
Laporar perr|lurgar rug|-|aoa reryaj||ar |rlorras| yarg oergura urlu| :
1. Ver||a| |eoerras||ar operas| perusaraar, dar el|s|ers| rarajerer da|ar rerge|o|a perusaraar.
2. Veroual esl|ras| / la|s|rar |aoa d| rasa yarg a|ar dalarg.
3. Ver||a| rerlao|||las dar prol|lao|||las dar| roda| yarg d|larar o|er para per|||| d| da|ar perusaraar.
entuk Laporan Perh|tungan Rug| Laba
1. 3|rg|e 3lep / 3alu Tarap
Peryaj|ar ursur-ursur peroerlu| |aoa (rug|) per|od|| l|da| d|p|sar|ar arlara e|erer-e|erer yarg l|rou| dar| usara po|o| perusaraar dar d| |uar
usara po|o| perusaraar.
PT 0uNA0ARVA
Laporar Perr|lurgar Rug| - Laoa
Per|ode larur ou|u 1999
Perdapalar :
las|| Perjua|ar (rello) Rp 1.000.000,-
Perdapalar 3eWa 25.000,-
Perdapalar 8urga Z5.000,-
Laoa Perjua|ar A|l|va Telap 50.000,-
Tola| Perdapalar Rp 1.250.000,-
8|aya-o|aya :
larga Po|o| Perjua|ar ) Rp 800.000,-
8|aya Perasarar ) 110.000,-
8|aya Adr|r|slras| & urur ) 90.000,-
0epres|as| A|l|va Telap 50.000,-
8|aya 8urga 25.000,-
Rug| Perjua|ar 3ural 8errarga Z.500,-
8|aya La|r-|a|r 12.500,-
Tola| 8|aya-o|aya Rp 1.125.000,-
Laoa 3eoe|ur Paja| Pergras||ar Rp 125.000,-
Paja| Pergras||ar (20) 25.000,-
LA8A 8ER3ll Rp 100.000,-
2. Vu|l|p|e 3lep (8erlarap)
Adarya per|sarar ursur-ursur peroerlu| |aoa (rug|), ya|lu e|erer-e|erer yarg l|rou| dar| usara po|o| perusaraar dar d| |uar usara po|o|
perusaraar.
PT 0uNA0ARVA
Laporar Perr|lurgar Rug| - Laoa
Per|ode larur ou|u 1999
Perjua|ar Rp 1.125.000,-
Relur Perjua|ar Rp Z5.000,-
Polorgar Perjua|ar 50.000,-
125.000,-
Perjua|ar 8ers|r Rp 1.000.000,-
larga Po|o| Perjua|ar
Persed|aar 1 Jaruar| 1999 Rp 150.000,-
Peroe||ar 825.000,-
8ararg Tersed|a urlu| 0|jua| Rp 9Z5.000,-
Persed|aar 31 0eseroer 1999 1Z5.000,-
larga Po|o| Perjua|ar Rp 800.000,-
LA8A K0T0R PENJuALAN Rp 200.000,-
8|aya usara
8|aya Perasarar Rp 15.000,-
8|aya Adr|r|slras| & urur 12Z.500,-
Jur|ar 8|aya usara Rp 292.500,-
LA8A (Ru0l) u3AlA (Rp 92.500,-)
Perdapalar dar Laoa d| Luar usara Rp 250.000,-
8|aya dar Rug| d| Luar usara 32.500,-
Rp 21Z.500,-
LA8A 8ER3ll 3E8ELuV PAJAK Rp 125.000,-
Paja| (20 ) 25.000,-
LA8A 8ER3ll 3ETELAl PAJAK Rp 100.000,-
LAP0RAN LA8A Tl0AK 0l8A0l
8eroaga| |rlorras| yarg d|calal da|ar re|er|rg Laoa 0|larar (Laoa T|da| 0|oag|), dar rerpurya| ruourgar |argsurg dg |aporar perr|lurgar rug| |aoa
arlara |a|r :
1. Kore|s| Laoa (rug|) larur-larur yarg |a|u
2. 0a|ar ruourgarrya dg dev|der yarg d|oag||ar, alas Laoa Tarur oerja|ar.
3. Adarya lrarsler dar| dar |e sa|do |aoa l|da| d|oag|
entuk Laporan Laba 0|tahan
PT 0uNA0ARVA
Laporar Laoa yarg T|da| 0|oag|
urlu| Per|ode larur ou|u 1999
Laoa l|da| 0|oag| per 1 Jaruar| 1999 Rp 1.500.000,-
Laoa 8ers|r larur 1999 100.000,-
Jur|ar Rp 1.00.000,-
0ev|der yarg d|oag| da|ar oerlu| :
- 10 3arar Prelererl, seoesar Rp 10.000,- per |eroar Rp 200.000,-
- 3arar 8|asa, seoesar Rp 5.000,- per |eroar 300.000,-
Rp 500.000,-
LA8A Tl0AK 0l8A0l PER 31 0E3EV8ER 1999 Rp 1.100.000,-
NERA6A
Keguraar Neraca ada|ar reroer||ar |rlorras| lerlarg:
1. L||u|d|las
2. F|e|s|o|||las l|rars|a|
Keterbatasan Neraca:
1. Neraca l|da| rerggaroar|ar r||a| se|ararg (r||a| yarg oer|a|u pada largga| reraca).
2. Pergguraar pr|rs|p rarga pero|erar oera||oal l|da| dapal d|r|rdar|arrya ursur-ursur la|s|rar.
3. T|da| se|urur |rlorras| yarg oerr||a| l|rars|a| oag| perusaraar dapal d|saj||ar d| da|ar reraca.
Perggo|orgar dar peryaj|ar re|er|rg-re|er|rg d| da|ar reraca
Re|er|rg-re|er|rg d| da|ar reraca d|oag| rerjad| l|ga go|orgar ulara, ya|lu:
1. A|l|va
Verupa|ar jur|ar uarg yarg d|ryala|ar alas suroer-suroer e|oror| yarg d|r||||| o|er perusaraar, oa|| uarg oerupa uarg, oararg raupur ra|-ra|
yarg d|jar|r o|er urdarg-urdarg alau p|ra|-p|ra| lerlerlu yarg l|rou| dar| lrarsa|s| / per|sl|Wa d| rasa yarg |a|u.
2. lularg
Ya|lu jur|ar uarg yarg d|ryala|ar alas |eWaj|oar-|eWaj|oar urlu| reryerar|ar uarg, oararg dar jasa-jasa |epada p|ra| |a|r d| rasa yarg a|ar
dalarg. KeWaj|oar l|rou| seoaga| a||oal dar| lrarsa|s| / per|sl|Wa yarg rerpergarur| perusaraar d| rasa yarg |a|u.
3. Voda|
Ya|lu s|sa ra| alas a|l|va d| da|ar perusaraar sele|ar d||urarg| dg se|urur rularg-rulargrya. la| alas a|l|va lerseoul re|e|al pada per|||| seoaga|
p|ra| yarg rerarggurg sega|a res||o dar |el|da|pasl|ar a|ar |egaga|ar perusaraar.
8erlu|, |s| serla susurar yarg pada ururrya d|gura|ar da|ar reryaj||ar sualu reraca ada|ar seoaga| oer||ul:
N E R A 6 A
Akt|va lularg dar Voda|
A|l|va Larcar
lrveslas| Jarg|a Parjarg
A|l|va Telap (8erWujud)
A|l|va Ta| 8erWujud
8eoar yarg 0|larggur|ar
A|l|va La|r-|a|r
lularg Larcar
Perdapalar 0|ler|ra 0|ru|a
lularg Jarg|a Parjarg
lularg-rularg La|rrya
Voda| 3arar
Ag|o / 0|sag|o 3arar
Laoa T|da| 0|oag|
Akt|va Lancar
0| da|ar Neraca, a|l|va |arcar d|saj||ar oerdasar urular l|rg|al |||u|d|lasrya.
Terdapal ||ra ursur po|o| dar| a|l|va |arcar, ya|lu:
1. Kas 0|saj||ar sesua| dg jur|ar yarg oerar-oerar ada seoesar r||a| ror|ra|rya.
2. 3ural-sural oerrarga rerarlaal|ar |as rergarggur, d|saj||ar seoesar rarga po|o| alau L0C0V
3. Tag|rar (P|ularg) d|saj||ar oerdasar jur|ar yarg d|per||ra|ar a|ar dapal d|ler|ra peroayararrya (seoesar r||a| rea||sas|)
1. Persed|aar d|saj||ar oerdasar rarga po|o| alau L0C0V
5. Pos- pos Trars|lor|s dar Arl|s|pas| o|aya d|oayar d| ru|a dar perdapalar yarg ras|r a|ar d|ler|ra.
|nvestas| Jangka Panjang
Pada ururrya lerd|r| dar| sa|ar salu dar| l|ga ursur oer||ul |r| :
a. lrveslas| / perararar roda| da|ar sural-sural oerrarga
o. lrveslas| da|ar oerlu| pery|s|rar dara urlu| lujuar yarg oers|lal |rusus (ex. 0ara pers|ur, dara e|spars|, dara pe|urasar rularg oo||gas|, d||)
c. lrveslas| da|ar oerlu| oararg-oararg oerWujud
lrveslas| jarg|a parjarg d||a|u|ar urlu| rer||||| oararg-oararg lerseoul da|ar Wa|lu |eo|r dar| salu larur / salu per|ode a|urlars| perusaraar, dar l|da|
ada ra|sud urlu| rerjua|rya |eroa|| da|ar Wa|lu de|al.
Akt|va Tetap
0a|ar a|urlars|, a|l|va lelap d|oeda|ar rerjad| dua go|orgar, ya|lu:
1. A|l|va Telap 8erWujud
2. A|l|va (Telap) l|da| 8erWujud
A|l|va lelap oerWujud re||pul| serua oararg yarg d|r||||| perusaraar dg lujuar urlu| d|pa|a| secara a|l|l da|ar operas| perusaraar, dar rerpurya|
rasa |eguraar re|al|l perrarer. 0| da|ar reraca, a|l|va lelap oerWujud d|saj||ar ru|a| dar| a|l|va yarg pa||rg perrarer sarpa| dg a|l|va yarg re|al|l
|urarg perrarer.
A|l|va lelap la| oerWujud re||pul| ra|-ra| prelerers|(|sl|reWa) yarg d|jar|r o|er urdarg-urdarg, |orlra|, perjarj|ar, dar rer||||| rarlaal da|ar Wa|lu
re|al|l perrarer.
Vasa |eguraar leroalas
d|depres|as|
d|saj||ar seoesar r||a| 8u|u
8erWujud
Vasa |eguraar ld| leroalas
ld| d|depres|as|
d|saj||ar seoesar rarga pero|erar
AKTlvA TETAP
Vasa |eguraar leroalas
d|arorl|sas|
d|saj||ar seoesar r||a| 8u|u
T|da| 8erWujud
Vasa |eguraar ld| leroalas
ld| d|arorl|sas|
d|saj||ar seoesar rarga pero|erar
eban yang 0|tangguhkan
Ya|lu re||pul| perge|uarar-perge|uarar yarg d|lurda peroeoararrya, dar a|ar d|oeoar|ar |epada perdapalar-perdapalar da|ar per|ode-per|ode yarg
a|ar dalarg.
Re|er|rg oeoar yarg d|larggur|ar d|gura|ar urlu| rercalal perge|uarar-perge|uarar yarg a|ar reroer||ar rarlaal d| rasa yarg a|ar dalarg, lelap|
l|da| dapal d||derl|l||as||ar |epada a|l|va lerlerlu, alau perge|uarar lerseoul oe|ur d||elaru| secara pasl| rarlaalrya d| rasa yarg a|ar dalarg, lelap|
ler|a|u oesar jur|arrya urlu| d|oeoar|ar seoaga| o|aya / |erug|ar da|ar per|ode lerjad|rya perge|uarar lerseoul. (Ex. 8|aya Perd|r|ar, 8|aya R|sel dar
Pergeroargar, 8|aya Proros| oesar-oesarar, 8|aya Peryusurar |eroa|| res|r & a|al-a|al paor||, d||).
Akt|va La|n-|a|n
Ya|lu a|l|va-a|l|va yarg l|da| dapal d|go|org|ar |e da|ar a|l|va-a|l|va lerseoul d| alas. Re|er|rg-re|er|rg yarg rasu| |e da|ar a|l|va |a|r-|a|r rurg||r
oeroeda arlara perusaraar yarg salu dg perusaraar yarg |a|r.
V|sa|: P|ularg jarg|a parjarg, lrveslas| dara-dara, A|l|va lelap da|ar peroargurar, a|l|va lelap yarg le|ar d|oerrerl||ar dar| pera|a|arrya, d||.
hutang Lancar
Ada|ar rularg -rularg yarg a|ar d|se|esa||ar peroayararrya dg rerggura|ar a|l|va |arcar alau dg rerc|pla|ar rularg |arcar yarg oaru. Terrasu|
da|ar |e|orpo| rularg |arcar |r| ada|ar:
1. lularg yarg l|rou| dar| peroe||ar oararg dar jasa (ex. lularg dagarg, rularg gaj| & upar rularg Ppr, d||)
2. Perer|raar uarg ru|a alas perjua|ar oararg alau jasa (ex. Perdapalar seWa d|ler|ra d| ru|a, uarg ru|a dar| peroe||, d||)
3. lularg-rularg |a|rrya yarg peroayararrya a|ar d||a|u|ar da|ar salu per|ode a|urlars| perusaraar (ex. lularg jarg|a parjarg yarg segera jalur
lerpo, d||)
lularg yg peroayararrya / pe|urasarrya a|ar d||a|u|ar d|r salu per|ode a|urlars| perusaraar lelap| ld| o|sa d|go|org|ar |e d|r rularg |arcar j||a:
a. Perye|esa|ar rularg lerseoul a|ar d||a|u|ar dg rerdara|ar |eroa|| da|ar oerlu| rularg jarg|a parjarg |a|rrya.
o. Peroayarar rularg lerseoul a|ar d||a|u|ar dg rerggura|ar dara yarg d|oerlu| |rusus urlu| lujuar lerseoul.
0| da|ar reraca, rularg |arcar d|saj||ar seoesar jur|ar yarg rarus d|oayar|ar urlu| rerye|esa||ar rularg lerseoul.
hutang Jangka Panjang
Ada|ar serua rularg yarg jalur lerpo peroayararrya re|arpau| oalas Wa|lu salu larur seja| largga| reraca alau |eo|r dar| salu per|ode a|urlars|
perusaraar.
Pada ururrya rularg jarg|a parjarg l|rou| dar| sa|ar salu d| arlara l|ga |eadaar seoaga| oer||ul:
a. A|l|v|las peroe|arjaar / pero|ayaar perararar roda| da|ar rarg|a e|spars| (ex. lularg 8ar| Jarg|a Parjarg, lularg l|pol||, lularg 0o||gas|)
o. A|l|v|las operas|ora| perusaraar (ex. lularg Pers|ur KaryaWar)
c. A||oal dar| sualu |ord|s|, s|luas| alau |urpu|ar |eadaar yarg rergardurg ursur-ursur |el|da| pasl|ar yarg re|a|u| |ejad|ar d| Wa|lu yarg a|ar
dalarg rurg||r a|ar reryeoao|ar r||argrya sualu a|l|va alau l|rou|rya sualu |eWaj|oar, yarg ururrya oera|r|r dg sualu |erug|ar (ex. lularg
garars| alas produ| yarg d|jua|)
Modal 3endiri [hak-hak Para Pemegang 3aham}
Pada ururrya |e|orpo| roda| serd|r| d| da|ar reraca d|oag| rerjad| l|ga oag|ar soo:
1. Voda| 3arar. Jur|ar yarg d|gura|ar urlu| reryala|ar selorar roda| o|er para peregarg sarar (per||||) seoesar r||a| ror|ra|, r||a| par|, alau r||a|
yarg d|lelap|ar alas sarar-sarar yarg oersarg|ular.
2. Ag|o 3arar / 0|sag|o 3arar. Jur|ar yarg d|gura|ar urlu| reryala|ar selorar roda| o|er para peregarg sarar da|ar jur|ar d| alas alau d| oaWar
r||a| ror|ra|, r||a| par|, alau r||a| yarg d|lelap|ar alas sarar lerseoul.
8erlu| Neraca
8erlu| (susurar) yarg urur d|pa|a| d| da|ar reryaj||ar reraca ada|ar:
1. 8erlu| re|er|rg (accourl lorr) A|l|va dar pas|va sejajar (a|l|va d| s|s| ||r|, dar pas|va d| s|s| |arar)
2. 8erlu| |aporar (reporl lorr) a|l|va dar pas|va d|susur |e oaWar (a|l|va d| alas, dar pas|va d| oaWar)
PT CUNA0ARHA
Neraca Komparat|f
Per 31 0eseroer 2000
31 0eseroer 1999 31 0eseroer 2000
AKTlvA
/kr|va lancar
Kas Rp 100.000,- Rp 125.000,-
8ar| 250.000,- 2Z5.000,-
3ural-sural 8errarga 1Z5.000,- 150.000,-
P|ularg 0agarg Rp Z50.000,- Rp Z5.000,-
Cadargar Kerug|ar P|ularg 25.000,- 30.000,-
Z25.000,- 15.000,-
Persed|aar oararg dagargar 1.250.000,- 1.125.000,-
Perse|ol Prer| asurars| 115.000,- 150.000,-
8urga yarg ras|r rarus d|ler|ra 30.000,- 30.000,-
Jur|ar A|l|va Larcar Rp 2.675.000,- Rp 2.500.000,-
lnvesras| Jangka Panang
lrveslas| 3arar 8|asa PT A8C Rp 750.000,- Rp 650.000,-
/kr|va Terap
Tarar Rp 2.500.000,- Rp 2.500.000,-
8argurar Rp 5.000.000,- Rp 5.000.000,-
A|.0epres|as| 8argurar 250.000,- 200.000,-
1.Z50.000,- 1.800.000,-
Veuoe| dar A|al-a|al To|o Rp 2.250.000,- Rp 2.000.000,-
A|.depres|as| Veuoe| dar A|al-a|al To|o 225.000,- 200.000,-
2.025.000,- 1.800.000,-
Kerdaraar Rp 1.Z50.000,- Rp 1.000.000,-
A|.0epres|as| Kerdaraar 500.000,- 100.000,-
1.250.000,- 3.00.000,-
Jur|ar A|l|va Telap Rp 'J.525.000,- Rp '2.700.000,-
/kr|va Tak 3eruuuo
0oodW||| Rp '.000.000,- Rp '.050.000,-
3eoan ,ang 0|ranggunkan
8|aya Perd|r|ar Rp 250.000,- Rp 250.000,-
8|aya Proros| 1.Z50.000,- 2.000.000,-
Jur|ar 8eoar yarg d|larggur|ar Rp 2.000.000,- Rp 2.250.000,-
T0TAL AKTlvA Rp 19.950.000,- Rp 19.150.000,-
luTAN0 0AN V00AL
lurang lancar
lularg 0agarg Rp 2Z5.000,- Rp 250.000,-
lularg wese| 100.000,- 3Z5.000,-
uarg Targgurgar 8olo| 1Z5.000,- 18Z.500,-
lularg PPr KaryaWar Z5.000,- 125.000,-
3eWa yarg ras|r rarus d|oayar 350.000,- 312.500,-
Jur|ar lularg Larcar Rp 1.2Z5.000,- Rp 1.250.000,-
lurang Jangka Panang
lularg 8ar| Jarg|a Parjarg Rp 5.1Z5.000,- Rp 5.000.000,-
Jur|ar lularg Rp 6.750.000,- Rp 6.250.000,-
Vooa|
Voda| 3arar (ror|ra| _ Rp 10.000,-,
olor|sas| 100 |or, Z50 |or oeredar Rp Z.500.000,- Rp Z.500.000,-
Ag|o 3arar Z50.000,- Z50.000,-
Laoa yarg 0|larar 1.950.000,- 1.50.000,-
Jur|ar Voda| Rp 'J.200.000,- Rp 'J.900.000,-
T0TAL luTAN0 & V00AL Rp 19.950.000,- Rp 19.150.000,-
LAP0RAN PERu8AlAN P03l3l KEuAN0AN
Verupa|ar sualu ||rl|sar peruoarar-peruoarar dar| reraca pada aWa| dar pada a|r|r per|ode larur ou|u seoaga| pe|erg|ap dar| peruoarar-peruoarar yarg
lerjad| dar d|||rl|sar|ar pada |aporar perr|lurgar rug|-|aoa.
0ar| |aporar peruoarar pos|s| |euargar dapal d|pero|er |rlorras| lerlarg :
1. r|rg|asar dar| pergarur lrarsa|s|/|eg|alar perararar roda| dar pero|ayaarrya.
2. Kelerargar secara |erg|ap rergera| oeroaga| la|lor yarg reryeoao|ar lerjad|rya peruoarar |eadaar l|rars|a| perusaraar, da|ar per|ode a|urlars|
yarg oersarg|ular.
PT CUNA0ARHA
Laporan Perubahan Pos|s| Keuangan
Untuk Per|ode Tahun uku 2000
3umber Modal Kerja
1. 0ar| 0peras|
- Laoa 3eoe|ur Pos-pos Luar 8|asa Rp 350.000,-
Taroar (|urarg) : Perdapalar & o|aya yg ld| rerpergarur| Voda| Kerja :
- 0epres|as| A|l|va Telap 1Z5.000,-
- Arorl|sas| A|l|va Ta| 8erWujud 50.000,-
- Arorl|sas| 8eoar yarg 0|larggur|ar 250.000,-
Jum|ah 8umber Hoda| Kerja dar| has|| 0peras| Rp 825.000,-
2. La|r-|a|r 3uroer
- P|rjarar 8ar| 1Z5.000,-
Jum|ah 8umber Hoda| Kerja Rp 1.150.000,-
Penggunaan Modal Kerja
- Peroe||ar Veuoe| & A|al-a|al To|o Rp 250.000,-
- Peroe||ar Kerdaraar Z50.000,-
- Peroe||ar lrveslas| Jarg|a Parjarg 100.000,-
- Peroag|ar 0ev|der 200.000,-
Jum|ah Penggunaan Hoda| Kerja Rp 1.300.000,-
Hoda| Kerja Na|k (Turun} Rp 150.000,-
|kht|sar Perubahan Hoda| Kerja
Per|ode tahun buku 2000
Peruoarar Voda| Kerja
Na|| Turur
Aktiva Lancar
Perururar Kas - 25.000,-
Perururar 8ar| - 25.000,-
Kera||ar 3ural-sural 8errarga 25.000,- -
Kera||ar P|ularg 0agarg 80.000,- -
Kera||ar Persed|aar 125.000,- -
Perururar Perse|ol Prer| Asurars| - 5.000,-
hutang Lancar
Kera||ar lularg 0agarg - 25.000,-
Kera||ar lularg wese| - 25.000,-
Perururar uarg Targgurgar 8olo| 12.500,- -
Perururar lularg PPl KaryaWar 50.000,- -
Kera||ar 3eWa yarg Vas|r larus 0|oayar - 3Z.500,-
Jur|ar 292.500,- 112.500,-
Hoda| Kerja Na|k (Turun} - 150.000,-
292.500,- 292.500,-
6ARA HEHUKA U8AhA 8AHP|NCAN 0|8AHP|NC U8AhA YANC 8U0Ah A0A
(3Tu0l KA3u3) la|o Pa| 0oza|||, per|era||ar rara saya 0orry. 3aya ada|ar seorarg sa|esrar lree|arce spareparl sepeda rolor. usara |r| sudar saya
r|rl|s seja| saya |u||ar. 8|sr|s |r| aral reroulur|ar |erad|rar saya urlu| oerja|ar, |rususrya urlu| reraWar|ar oararg dagargar dar |u|a|ar d|rara
l|da| dapal saya Wa||||ar |e ara| ouar saya. Yarg |rg|r saya larya|ar ada|ar:
pada saal |r| saya rerdapal|ar |eserpalar eras urlu| rerou|a o|sr|s ra|arar yarg sudar saya |rp||ar seja| du|u (saya rerdapal|ar p|rjarar |o|as|
gral|s dar sed|||l laroarar roda|). 3aya l|da| |rg|r rer|rgga||ar o|sr|s perlara saya |arera saya sudar rerdapal|ar |rcore yarg |urayar dar| o|sr|s |r|.
3aya juga oerercara agar |rcore dar| o|sr|s spareparl |r| dapal saya gura|ar urlu| rerdara| |eg|alar operas|ora| o|sr|s ra|arar yarg |rg|r saya ja|ar|ar
|r|.8aga|rara cara reroag| Wa|lu dar leraga urlu| dapal rerja|ar|ar o|sr|s |eduarya (o|sr|s ra|arar |r| juga |rg|r saya operas||ar pada jar |erja),
rerg|rgal |r| ada|ar |eserpalar eras oag| saya dar dg cara apapur saya |rg|r reWujud|arrya.
3aya perrar oerp|||rar urlu| oerr|lra (|orgs|) lap| dar| perga|arar lerar2 dar orarg2 yarg oer|orgs| se|a|u oerujurg pada oad erd|rg (sp||l). Juga saya
perrar reroaca oarWa |ega||las usara |er|lraar (|orgs| larpa ada perjarj|ar r|lar d|alas pul|r sara saja re||palgarda|ar res||o dar| usara
perseorargar). Ada|ar |ega||las usara yarg rergurlurg|ar oag| |edua oe|ar p|ra| apao||a saya rerulus|ar urlu| oerr|lra dar d|rara o|ayarya l|da|
ler|a|u reroeoar| |arera sargal leroalasrya roda| saya. Ter|ra |as|r seoe|urrya urlu| reroa|as perlaryaar saya.
3eroga Turar reroer|al| arda dar usara Arda. 0orry 3ul|joro --- 3uraoaya
Jawaban:
Pa| 0orry, apa |aoar? 3erarg se|a|| rerer|ra era|| dar| Arda.
3aya lurul oargga pada Arda yarg rerpurya| |e|rg|rar dar usara yarg |eras urlu| rerdapal|ar suroer |rcore laroarar d|sarp|rg suroer |rcore
ulara dar| pe|erjaar Arda. 3ecara urur |eo|r oa|| dar |eo|r arar d|oard|rg suroer |rcore yarg rarya salu. Keoarya|ar dar| ||la rerpurya| suroer
|rcore |eo|r dar| salu, salurya dar| pe|erjaar ulara, salurya |ag| dar| ourga/oag| ras|| dar| oar| yarg secara perserlase |ec||. Apa|ag| o||a l|rg|al |rl|as| |eo|r
l|rgg| dar| ourga, ra|a suroer |rcore |edua se|ar-a|ar la| oerarl|.
3uroer |rcore laroarar yarg oa||, |dea|rya s|r o|sa lerus rergras|||ar uarg larpa ||la oarya| ler||oal d|da|arrya, sed|||l Wa|lu yarg ||la pergura|ar,
res||o rerdar, dar reroer||ar |roa| ras|| yarg |urayar. urlu| |lu sarar saya oag||ar Wa|lu Arda urlu| |edua a|l|l|las lerseoul, r|sa||ar pag| sarpa| sore
urlu| rergerja|ar a|l|l|las ulara Arda ya|lu oe|erja dar ra|ar rar|rya d|gura|ar urlu| rerou|a usara ra|arar. Arl|rya, usara ra|arar |r| rarya ou|a
d| ra|ar rar| saja. Ka|au Arda rerarg l|da| o|sa rer|rgga||ar pe|erjaar ulara, dar juga l|da| o|sa reryerar|ar pada orarg |a|r, apa oo|er oual. Arda
o|sa car| usara ra|arar yarg rarya ou|a d| ra|ar rar|. 3eperl| pece| |e|e, rol| oa|ar, dar seoaga|rya.
Tap| jargar |raWal|rr |lu rarya d| aWa| saja. 0| aWa| reroargur o|sr|s rerarg per|u |eler||oalar yarg oarya|, lelap| |el||a s|sler sudar ja|ar |eler||oalar
||la a|ar sera||r oer|urarg. urlu| rerurjarg s|sler lerseoul, ra|a ||la p|||r orarg seoaga| |aryaWar yarg rerpurya| serargal, |rlegr|las, s|||| yarg
rerada|, ser|rgga usara lad| o|sa oerja|ar dg alau larpa ||la. Perar ||la rarya pada |orlro| dar eva|uas|. Tap| salu ra| yarg pasl|, Arda l|da| o|sa oe|erja
serd|r|ar.
Kerud|ar o||a Arda rerulus|ar urlu| oerr|lra ada oeoerapa ra|-ra| yarg per|u d|perral||ar agar l|da| lerjad| sp||l, ya|lu rer|||r re|ar o|sr|s yarg sudar
Arda |era| cu|up oa|| dar car||ar r|lra yarg ||ul rer|||r|ar o|sr|s, ou|ar rarya rer|rla oag| ras|| saja. 8||a sudar rerasa ya||r le|ar rereru|ar r|lra
o|sr|s yarg sesua|, se|arjulrya Arda rarus reroual perjarj|ar yarg je|as d|luarg|ar da|ar 'r|lar d| alas pul|r. ls| perjarj|ar o|sa lerlarg perroda|ar,
peroag|ar lugas, peroag|ar ras||, d||. 0a|ar peroualar dar perarda largarar perjarj|ar lerseoul seoa||rya ada sa|s|, d|oer| ralera| secu|uprya, dar o||a
d|pardarg per|u d|oual d| radapar rolar|s.
Kerud|ar |ega||las usara yarg d|pardarg rergurlurg|ar |edua oe|ar p|ra| d|oard|rg|ar oerlu| usara |a|rrya seperl| perusaraar perorargar, F|rra, dar
Cv, PT d|r||a| |eo|r oa|| da|ar oarya| ra| seperl| da|ar perge|o|aar usara, pergarl|ar pergurus, per|rdarar |eper||||ar, juga peroag|ar lugas dar
larggurg jaWao. 3ayargrya o|aya perd|r|ar PT |eo|r rara| d|oard|rg|ar oadar usara yarg |a|rrya. 3arar saya urus|ar |ega||las o||a usara sudar
reroer||ar |eurlurgar yarg |urayar, |arera |a|au lerus oer|ulal rer|||r|ar |ega||las dg cosl yarg l|rgg| , usara l|da| ja|ar-ja|ar dar a|r|rrya su||l
oer|eroarg. 0er|||ar, seroga su|ses se|a|u urlu| o|sr|s Arda. Arrad 0oza||
ACA|HANA HEHUAT UANC HENCCUNAKAN HE8|N PENJAwA TELEP0N AN0A
(AN8wER|NC HA6h|NE}
Ves|r perjaWao le|epor oloral|s arda alau arsWer|rg racr|re o|sa d|gura|ar urlu| VEN0APAT uAN0 LE8ll 8ANYAK dar|pada cara |a|r d|separjarg
rayal alau usara arda . 0rarg yarg l|da| rerpurya| |ear||ar perasarar d| da|ar perusaraar juga le|ar su|ses dg rerggura|ar s|sler res|r perjaWao
le|epor oloral|s |r|.
3alu |el||a daru|u, sepasarg suar| |sler| yarg ras|r ruda yarg oerasa| dar| 0033EL KAN3A3, u3A le|ar su|ses rerggura|ar roda| seoarya| l|ga ralus
do||ar ( S300 ) urlu| rerpero|er |eurlurgar |eo|r dar| 3 jula do||ar ( u3S3.000.000 ) dg rerasar|ar dar rerjua| |rlorras| yarg oer|a|lar dg cara-cara
rer|rg|al|ar suroer |euargar, sara ada d|da|ar oerlu| ou|u , parduar-parduar dar juga |aporar-|aporar
Vere|a rarya rerggura|ar res|r perjaWao le|epor oloral|s. lr| rerurju||ar oarWa ada cara yarg |eo|r rudar dar oer|esar urlu| rerpero|er uarg
rarya dg rerggura|ar a|al alau oarar lerlerlu. Pasargar |r| juga rerou|l||ar oarWa j||a arda;
Verpurya|:-
1) l0E YAN0 8AlK
2) PERCAYA 0lRl 3EN0lRl uNTuK VEREALl3A3lKAN 3E3uATu
3) VEVlLlKl V0TlvA3l 0AN KEVAuAN KuKul uNTuK 8ERTlN0AK 3EKARAN0
1) JlKA AN0A TEKuN, AN0A 8l3A 3uK3E3ll
Potens| Hencar| Uang Yang T|dak Terbatas
Polers| rercar| uarg dg rerggura|ar res|r perjaWao le|epor oloral|s ada|ar l|da| leroalas. Jad| oaga|rara saya o|sa rerggura|ar res|r perjaWao
le|epor oloral|s saya , dar apa yarg palul saya jua| ? 3alu perlaryaar yarg oa||ll Kerurg||rar urlu| su|ses l|da| leroalasl, oarya| orarg yarg le|ar
rerpero|er uarg dg rerjua| ra||ural ' 8aga|rara urlu|...'' Apa|ar |a da|ar oerlu| ou|u , parduar-parduar, |aporar-|aporar alau oarar ruju|ar.
Taju|-laju| yarg d|r|ral| ada|ar parduar reroual |erja-|erja d| rurar. Parduar oe|erja dg perer|rlar. Veroual uarg dg cara rerjad| peru||s oeoas dar
seoaga|rya.
8aga|rarapur, res|r perjaWao le|epor o|sa d|gura|ar seoaga| perar-c|rg |||ar urlu| produ| yarg oarya| dar jasa yarg oeroeda. urlu| rerjua| asurars|
alau rarlarar, p|rjarar perurarar, rerperoa||| dar de|oras| rurar, ser|rar dar seoaga|rya . sel|ap jer|s reslorar, perusaraar jasa sos|a| dar 1001
pe|ayarar jasa yarg d|laWar|ar.
aga|mana |a berfungs|
l||ar oar|s alau |||ar jer|s yarg rurar yarg le|ar d|sed|a|ar d|da|ar sural |aoar rar|ar dar juga r|rgguar. AN0A 80LEl reroual |||ar |ec|| dar rurar
d|da|ar oeroaga| sural |aoar |r| dg reraWar|ar produ| alau jasa arda. Arda oo|er reroer||ar roroor le|epor arda dar peroaca o|sa rerdergar
|elerargar rergera| produ| alau serv|s arda re|a|u| ' ressage yarg d|re|ar 'o|er arda serd|r| d|da|ar res|r rerjaWao le|epor oloral|s arda. Arda oo|er
rerggura|ar s|r|p yarg arda ras|||ar alau lu||s serd|r| dg oa|| dar re|ar|ar dg rerggura|ar suara yarg resra dar oerrulu. Re|ar|ar pesar arda
da|ar Wa|lu 2-3 rer|l. 0| da|ar pesar lerseoul arda oo|er reryurur p|ra| peroaca re|a|u|ar per|ara-per|ara seperl| oer||ul:
1) Ver|rgga||ar ( re|ar|ar rara dar a|aral rere|a ) dar reroual pesarar rerggura|ar C.0.0.
2) Ver|rgga||ar rara dar a|aral |erg|ap rere|a urlu| d|oer||ar |rlorras| |erg|ap yarg |eo|r |arjul .
Cara yarg leroa|| |a|ar dg reryurur p|ra| peroaca rerdergar 'pesar re|arar' dar lerus reroual pesarar sele|ar rerdergar |elerargar yarg arda
re|ar|ar.
Vere|a o|sa lerus reroual pesarar apa|ar dg reroual oayarar rerggura|ar Wese| pos, ce| pos, 8ar| 0rall, Te|egrar Vorey 0rder, lrarsler oar|, ce|
alau rerggura|ar C00 ( Casr 0r 0e||very ) . j||a arda reraWar|ar oararg alau jasa yarg rargarya l|rgg| seperl| larar, asurars| alau p|ar perasarar
oerlarap VLV, arda seoa||rya per|u rerdapal|ar roroor le|epor alau a|aral perargg|| supaya arda o|sa reroual l|rda|ar susu|ar .
J||a arda rerjua| oararg-oararg yarg rargarya rurar corlorrya yarg oerrarga se||lar Rp50.000 seperl| ou|u, rad|ar dar |a|r-|a|r, arda o|sa
rerggura|ar cara C.0.0. Cara |r| oerra|sud perargg|| a|ar reroual pesarar dar rere|a rarya a|ar reroayarrya seWa|lu rere|a rerer|ra oararg
pesarar dar|pada poslrar alau rere|a o|sa reroayar d| |arlor pos. cara peroayarar yarg |a|r yarg o|sa d||a|u|ar |a|ar dg rerggura|ar ||r|rar Wese|
pos / ce|.
Vere|a o|sa reroual pesarar dg reroual peroayarar rerg-gura|ar cara seperl| yarg d|seoul|ar d| alas sele|ar rere|a rerdergar pesar re|arar
rergera| KE8AlKAN 0AN KELE8llAN PR00uK yarg rau arda jua| |lu.
la ada|ar salu cara yarg rudar dar sudar pasl| dapal d|lurgs||ar dg oa|| dar oer|esar. urlu| rerdapal |esar yarg |eo|r oa|| |ag| arda o|sa reroual
oeroaga| |aj|ar dar percooaar cara perjua|ar re|a|u| re|arar suara d| da|ar res|r perjaWao le|epor arda. rarya dg rerggura|ar re|arar suara se|ara
2-3 rer|l saja, |a sudar dapal rergras|||ar perdapalar yarg |urayar. VEN0APA CARA lNl 8l3A 3uK3E3? lr| ada|ar |arera, orarg yarg l|da| su|a
oerurusar secara pos alau sural reryural o|asarya a|ar |eo|r su|a rere|epor saja. lr| ada|ar |eryalaar dar |eo|asaar oag| go|orgar peroaca sural
|aoar. Jad| rergapa arda l|da| rau reru|a| usara |r| dg segera alau re|a|u|arrya se|ararg?
8a||, o|ar saya oer||ar oeoerapa |arg|ar-|arg|ar ulara yarg oo|er d|aro|| o|er arda oag| rerea||sas||ar cara alau |de |r|:-
1) C|pla alau dapal|ar salu produ| alau serv|s yarg o|sa rerar|| r|ral |ra|aya| rara| dar rerpurya| perr|rlaar yarg l|rgg|.
2) Tu||s|ar |||ar ||as|l||as| / |||ar oar|s (|ec||) oag| rerjua| oararg-oararg alau serv|s yarg arda laWar|ar |lu. Re|ar|ar orosur alau |ala|og |e
da|ar res|r perjaWao le|epor alau arsWer|rg racr|re arda.
3) 8ual |||ar arda d| da|ar sural |aoar yarg rargarya rurar. 8er||ar roroor le|epor yarg arda gura|ar dar le|ar d|sarourg|ar |eres|r
perjaWao le|epor arda |lu.
1) Pe|arggar arda a|ar re||ral arda d| sural |aoar, |erud|ar rere|a a|ar rere|epor arda, rerdergar pesar orosur alau |ala|og arda,
|erud|ar rere|a a|ar reroual pesarar. Larg|ar-|arg|ar yarg r|rg|as dar a|ar reroer||ar arda uarg yarg oarya|.
3ATu K0N3EP Vu0Al YAN0 8l3A VENJA0lKAN AN0A 3E0RAN0 JuTAwAN
6ARA HENCATUR KEUANCAN
(3Tu0l KA3u3) lou V||e Ylr,
3aya seorarg |aryaWar d| seouar perusaraar sWasla, saal |r| saya |ag| o|rgurg urlu| rercar| usara sarp|rgar agar dapal rererur| |eoulurar serar|-
rar| |arera saya rarus rero|aya| ad|| saya yarg sedarg |u||ar. Pergras||ar saya Z00 r|ou per ou|ar dar urlu| ad|| saya o|asarya saya ||r|r 100 r|ou per
ou|ar sedarg|ar orarg lua saya ada|ar seorarg pers|urar. To|org dorg Voa| oarlu saya. Va|as|r seoe|urrya Rara 0ura|
Jawaban:
la|o Rara,
0g pergras||ar Rp Z00 r|ou per ou|ar, dar |eWaj|oar rerg|r|r o|aya ad|| |u||ar Rp. 100 r|ou per ou|ar, ra|a s|sa gaj| Arda rerarg o|sa d||ala|ar pas-pas
urlu| o|sa rererur| |eoulurar r|dup. 3|sa gaj| rurg||r cura o|sa reroayar org|os |e |arlor dar ra|arar. urlu| re|a|u|ar pergreralar rerarg o|sa
d||a|u|ar rarur re||ral garoarar |ord|s| |euargar Arda, |e||ralarrya pergreralar su||l d||a|u|ar. Narur l|da| ada sa|arrya j||a Arda oerusara urlu|
reroalas| perge|uarar. 0| |a|r p|ra|, sargal d|arjur|ar urlu| oerusara reraroar pergras||ar, seoao rerpurya| oeoerapa pergras||ar lerlurya |eo|r
oa|| dar|pada oergarlurg pada salu pergras||ar saja. Lag|pu|a j||a pergras||ar ||la oerlaroar, ra|a se|a|r r|dup ||la |eo|r sejarlera |eserpalar ||la urlu|
reraoaurg dar oer|rveslas| juga oerlaroar oesar.
Karera Arda sudar oerle|ad urlu| o|sa rerdapal|ar pergras||ar laroarar, ra|a oer||ul |r| ada|ar sarar-sarar oaga|rara Arda o|sa rerdapal|ar
pergras||ar laroarar:
1. Verjad| pe|erja parur Wa|lu, ada oarya| pe|erjaar parur Wa|lu yarg o|sa d||a|u|ar d| |uar jar |erja, r|sa|rya rerjad| ager asurars|, oro|er properl|,
WarlaWar, lolograler, a|url|rg, dar |a|r-|a|r. J||a ada lerar, lelargga, alau saudara Arda yarg rerpurya| lo|o alau o|sr|s apapur, laWar|ar|ar leraga
Arda urlu| rerjaga lo|o alau rergurus o|sr|s lerseoul d| rar| ||our alau a|r|r r|rggu.
2. Verjua| |ear||ar Arda, j||a Arda purya roo| yarg juga rerjad| |ear||ar Arda, ra|a laWar|ar|ar |epada orarg dg rarga lerlerlu. V|sa|rya roo|
rere||rara ||ar r|as, ayar, roo| reroual |eraj|rar largar, roo| reru||s, reroual |ue. Kear||ar l|da| rarus dar| roo|, r|sa|rya j||a se|ara |r| Arda
oe|erja d| oag|ar |euargar, ra|a Arda o|sa d|o||arg rerpurya| |ear||ar rergalaur |euargar. Arda o|sa laWar|ar |ear||ar Arda urlu| reroual|ar
s|sler |aporar |euargar pada orarg |a|r.
3. Verou|a usara serd|r|, r|sa|rya Arda rerou|a usara dagarg ra|rar ara|-ara|, oaju, |a|r oal||, dar |a|r-|a|r. 3|sler perjua|ar dg cara |ors|ryas|
alau l|l|p jua|. Arda juga o|sa rerou|a usara jasa perarlara rerjua| rurar, roo||, rolor, alau perarlara perjua| apa saja.
1. 8ergaourg dar rerjad| arggola dar| o|sr|s yarg sudar oerras||, Arda o|sa rerg||ul| d|recl se|||rg seperl| oeoerapa produ| |osrel|| seperl 0r|l|are,
Avor, 3ara Lee, produ| asesor|s las & sepalu seperl| 3opr|e rarl|r. Arda o|sa perl|roarg|ar juga urlu| rerg||ul| VLV.
Ke erpal |arg|ar ada|ar sarar-sarar yarg d|oer||ar j||a Arda |rg|r rerdapal|ar pergras||ar laroarar larpa rarus |e|uar oarya| roda|. Narur r|al yarg
|ual, d|s|p||r, rau reroag| Wa|lu, dar rau oe|ajar rerupa|ar roda| ulara yarg rarus Arda r|||||. T|da| ada ras|| larpa |erja |eras, oeg|lu|ar ||ra-||ra
garoarar |ord|s| yarg a|ar Arda |a|u| da|ar proses rerdapal|ar rerdapal|ar pergras||ar laroarar.
3e|aral oerusara dar oe|erja. 3eroga oerras||. V||e R|r|
6ARA HENCh|TUNC H00AL PATUNCAN 0AN 8TAN0AR CAJ|
(3Tu0l KA3u3) 8apa| 0oza|| yarg lerrorral, sa|ar.
3aal |r| saya sedarg gararg da|ar rerja|ar| usara (jasa lerap|) dar cara rergr|lurg propors| oag| roda| dar oag| ras|| dar slardar gaj| oag| lerap|sl
(da|ar ra| ||r| do|ler spes|a||s):
urlu| 8apa||ou |elaru|, saya re|a|u|ar usara |r| oerupa roda| palurgar. Yarg saya |rg|r larya|ar ada|ar soo:
1. 8aga|rara rergr|lurg propors| roda| (r|sa| saya oerapa, d|a oerapa (jula))?
2. 8aga|rara cara rergr|lurg prol|r snar|ng (da|ar ou|ar)usara |r|?
3. Ada|ar acuar/ slardar gaj| yarg 8apa| |elaru| urlu| proles| do|ler spes|a||s? (da|ar ra| |r| laoe| dar| perer|rlar/ l0l)?
1. Apa|ar oerar, j||a saya rergala|ar oarWa roda| |erja l|da| rarya uarg? 8|sa|ar sarar d||alegor||ar seoaga| roda| |erja?
Per|u 8apa| |elaru|, da|ar Wa|lu de|al |r|, usara saya lerseoul a|ar d| aju|ar/ jad||ar Perseroar Teroalas (PT). 3aya perrar reroaca uu lerlarg PT
lerseoul. 0| sara d||ala|ar oerupa sarar, sererlara roda| |erja saya ada|ar uarg. 3eoerarrya apa ra|sudrya?
3aya sargal rerurggu jaWaoar 8apa|. Alas jaWaoar dar |eoa||ar 8apa|, saya ucap|ar oarya| ler|ra |as|r. ArWar 3yar|el
Jawaban:
3eoe|urrya, saya rarus rergucap|ar se|aral alas |arg|ar oesar Arda urlu| rerd|r||ar usara |r|.
Yarg rarus Arda |a|u|ar oer|a|lar dg perroda|ar perlara |a|| ada|ar rergr|lurg ler|eo|r daru|u oerapa roda| yarg d|oulur|ar urlu| usara |r|. Cooa oual
|a||u|as| oerapa roda| aWa| yarg d|oulur|ar dar oerapa o|aya operas|ora| urlu| oeoerapa ou|ar |edepar.
Vas|rg-ras|rg p|ra| (peroda|) o|sa oersepa|al urlu| rererlu|ar s|apa a|ar rerarar|ar roda| oerapa. 3e|a|r da|ar oerlu| uarg, roda| juga o|sa da|ar
oerlu| rarla |a|r r|sa|rya rurar/ru|o urlu| d|jad||ar lerpal usara, dar |a|rrya. urlu| roda| da|ar oerlu| ou|ar uarg, per|u d|sepa|al| oerapa r||a|rya
|a|au d|r||a| dg uarg.
8ag| ras|| d|arlara para peroda| se|arjulrya d|r|lurg dar| oesarrya roda| yarg d|selor|ar lerseoul. Keca|| j||a ada peroda| yarg juga ||ul rerge|o|a usara
ou|ar rarya reryelor dara.
J||a oadar usara Arda oeroerlu| PT, ra|a perroda|arrya d|seoul seoaga| sarar. 3arar ya|lu ou|l| |eper||||ar lerradap perusaraar. V|sa|rya usara
Arda d|d|r||ar dg roda| Rp100jl. Voda| |r| d||aroarg|ar 100 |eroar sarar. 3er|rgga 1 |eroar sarar oerr||a| Rp.1jl.
Vergera| lee urlu| do|ler spes|a||s, selaru |ar| l|da| ada palo|ar yarg |rusus rergera| ra| lerseoul. 3eoa||rya Arda re|a|u|ar survey |e oeoerapa
rurar sa||l & |||r|| urlu| rererlu|ar lee. Karera sel|ap do|ler o|asarya juga purya slardar yarg oeroeda. 0o|ler yarg |eo|r ser|or o|asarya purya slardar
lee yarg |eo|r oesar. 3u|ses urlu| Arda pa| ArWar. Arrad 0oza||
6ARA HULA| HENAUNC
(3Tu0l KA3u3) 8aga|rara ya Pa| cara rerge|o|a |euargar |arera saya |urarg parda|. 3e|edar |rlorras| Pa|: pergras||ar suar| saya 1 jula dar saya
800 r|ou. Tap| sarpa| saal |r| susar urlu| reraourg padara| saya oe|ur purya rurar serd|r| dar roo||. Voror sararrya ya, Pa|. Nel|lr| Pa|eroarg
Jawaban:
urlu| o|sa reraourg seoelu|rya rudar saja |o|, asa||ar Arda rau d|s|p||r urlu| reroual rercara dar reraal| rercara yarg sudar d|oual. Arl|rya, dar|
lola| pergras||ar Rp 1,8 jula, oerapa yarg a|ar Arda rercara|ar urlu| d|laourg secara rul|r sel|ap ou|arrya. T|da| rarus oesar, ru|a| saja dar| jur|ar yarg
|ec|| seoaga| perru|aar. Yarg perl|rg rerarar|ar d|s|p||r du|u, oaru sele|ar |lu ||la alus largel reraourg agar o|sa rercapa| lujuar |euargar Arda, urlu|
reroe|| rurar r|sa|rya.
Tap| rasa|arrya uarg |lu seperl| a|r, su||l d|pegarg, rudar se|a|| rerga||r dar rerguap. wa|aupur sudar purya rercara urlu| se|a|u reraourg dg rul|r,
lap| a|ar su||l urlu| o|sa rery|sa|ar sejur|ar uarg urlu| d|laourg. wajar saja, oarya| |o| d|arlara ||la yarg |urarg o|sa ry|rper uarg. Apa|ag| |a|au
sudar pegarg uarg da|ar oerlu| lura|, pasl| rao|s.
Karera su||l urlu| rery|sa|ar uarg, ra|a jargar rerurggu uarg s|sa |a|au Arda rau reraourg. Tap| reraourg|ar d| aWa| |el||a
rerer|ra pergras||ar. 8u|ar reraourg d| a|r|r rerurggu uarg s|sa gaj|. Jad|, ru|a| ou|ar depar. 3el|ap |a|| Arda dar suar| gaj|ar,
|argsurg polorg seoag|ar urlu| d|laourg|ar. 8aru s|sarya d|oaWa pu|arg urlu| |eoulurar yarg |a|r. 3e|aral rercooa. Arrad 0oza||
F0RHAT 6A8h FL0w YANC ENAR
(3Tu0l KA3u3) lard|oro lardo|o --- Tu|urgagurg
3aya rerpurya| rasa|ar rergera| peroualar Casr F|oW usara da|ar rarg|a pergajuar |red|l. usara saya ada|ar d| o|darg Agr|cu|lure ya|lu perge|o|aar
|op| rerjad| |op| ouou| dar perasararrya.
Perlarryaar: To|org oer||ar perje|asar rergera| lorral Casr F|oW yarg oerar yarg rererur| |r|ler|a |red|l. Erl|ly yarg d|rasu||ar dar |r|ler|arya. Alas
sega|a alers|rya saya ucap|ar oarya| ler|ra |as|r.
Jawaban:
la|o Pa| lard|oro. 8aga|rara |aoarrya arda dar |ola Tu|urgagurg?
8ar| o|asarya reroer||ar |red|l usara oag| usara yarg sudar oerja|ar dg oa|| se|ara r|r|ra| 2 larur. Karera rasa sele|ar 2 larur seouar usara
d|arggap sudar cu|up slao|| dar le|ar rergras||ar |eurlurgar, dar larap oer||ulrya per|||| |rg|r rergeroarg|ar usararya ser|rgga rergaju|ar
p|rjarar |e oar|. Adapur urlu| usara yarg oaru a|ar d|d|r||ar alau d|ja|ar|ar, ra|a oe|ur ada ou|l| oarWa usara lerseoul a|ar su|ses, ser|rgga oar|
jararg rau reroer||ar |red|l usara oag| usara oaru.
urlu| rer||a| |e|aya|ar |red|l usara arda, ra|a oar| reroulur|ar sejur|ar dala |euargar seperl| |aporar |euargar yarg lerd|r| dar|:
a. |aporar |aoa/Rug|, ada|ar oer|s| |aporar lola| perjua|ar (orsel) - d||urarg| o|aya peroe||ar oarar oa|u urlu| produ|s| (o|asa d|seoul rarga po|o|
perjua|ar, r|sa|rya peroe||ar o|j| |op|) = ras||rya ada|ar |aoa/rug|;
o. |aporar arus |as/casrl|oW, ada|ar oer|s| pergguraar roda| aWa| perd|r|ar perusaraar - d||urarg| o|aya peroe||ar pera|alar produ|s| (r|sa|rya
res|r g|||rg |op|) - d||urarg| o|aya peroe||ar oarar oa|u - d||urarg| o|aya operas|ora| (r|sa|rya gaj| pegaWa|, ||slr||, le|por,) = ras||rya
surp|us/del|s|l;
c. |aporar Neraca, ada|ar oer|s| rarla |e|ayaar perusaraar oeserla |eWaj|oar (rularg) , surp|us pada |aporar arus |as a|ar reraroar rarla
|e|ayar perusaraar dar del|s|l a|ar rergurarg| rarla |e|ayaar perusaraar.
0g der|||ar dapal arda ||ral oarWa peroualar proye|s| casrl|oW saja l|da| cu|up urlu| rer||a| sualu proposa| pergajuar |red|l usara |aya| alau l|da|,
lelap| juga rarus d|du|urg dg dala perjua|ar yarg rea||sl|s pada |aporar |aoa/rug| dar per|eroargar rarla |e|ayaar perusaraar yarg rerggaroar|ar
|||u|d|las alau |erarpuar perusaraar da|ar reroayar |eWaj|oar jarg|a perde|rya , r|sa|rya rularg oar|.
Ka|au peroualar lorral |aporar |euargar seperl| lerseoul d|alas oe|ur o|sa arda oual, ra|a cu|up rerpers|ap|ar dala-dala |euargar seoaga| oer||ul,
urlu| se|arjul serar|ar per||a||r |red|l usara arda |epada oar|:
1. Pr|rl oul re|er|rg d| oar| (laourgar alau g|ro) se|ara 3 s/d ou|ar lera|r|r. Re|er|rg d|oar| o|sa alas rara arda serd|r|, j||a serua perasu|ar
dar perge|uarar perusaraar rerggura|ar re|er|rg lerseoul, lelap| juga o|sa alas rara perusaraar.
2. Folocopy ou|u |aporar |as rar|ar oer|s| lerlarg perge|uarar dar perasu|ar (perjua|ar) rar|ar se|ara 3 s/d ou|ar lera|r|r.
3. Folocopy ou|u |as oesar alau ou|u |as ou|arar oer|s| lerlarg perge|uarar dar perasu|ar (perjua|ar) ou|arar se|ara 3 s/d ou|ar lera|r|r.
1. Folocopy |aporar Neraca perusaraar se|ara 3 s/d ou|ar lera|r|r dar j||a d|oual larurar ra|a oer||ar|ar se|ara 2 larur lera|r|r.
5. 0ala para supp||er arda dar para pe|arggar ulara arda (rara perusaraar, corlacl persor, a|aral, roror le|epor). T|da| per|u serua, ras|rg-
ras|rg 2 alau 3 saja.
. 8u|l| peroayarar lrarsa|s| |euargar perusaraar arda, oa|| ou|l| peroe||ar persed|aar oararg dar| supp||er raupur ou|l| perer|raar
peroayarar dar| para pe|arggar arda.
8|asarya dala |euargar oerupa pr|rl oul re|er|rg oar| saja sudar cu|up oag| oar| urlu| rergara||sa |ord|s| |euargar usara arda, lelap| l|da| rerulup
|erurg||rar oar| a|ar rergada|ar pere||l|ar dar perou|l|ar |eo|r |arjul, ser|rgga d|oulur|ar |eo|r oarya| dala perdu|urg.
3e|aral rergaju|ar p|rjarar usara |e oar|. V||e R|r|
F0RHULA RP 200.000 8ET|AP hAR| TANPA hARU8 KELUAR RUHAh
3aya a|ar reroorg|ar salu raras|a oaga|rara arda o|sa rerpero|er Rp200,000 alau |eo|r serar| dg rerggura|ar lorru|a |||ar. Cararya rudar saja,
|a|u|ar seperl| oer||ul:
1. Arda pasarg |||ar d| sural |aoar, lao|o|d alau raja|ar.
l||ar lerseoul rurg||r seperl| |r|:
2. Apao||a arda rerdapal pesarar, pos|ar sa||rar lorru|a |r| oersara dg cara rerdapal|ar uarg d| rurar.
3. Terus|ar rerasarg |||ar d| sural |aoar dar sudar pasl| sel|ap rar| arda a|ar rerer|ra Rp200,000 serar| d| pel| sural arda larpa per|u |e|uar rurarl
10 6ARA 0APAT 0U|T 0AR| RUHAh
1. ACA|HANA AN0A |8A HENJALANKAN PERU8AhAAN PER6ETAKAN TANPA H00AL
3el|ap o|sr|s rerer|u|ar percela|ar. J||a arda o|sa reryed|a|ar sega|a-ga|arya dar|pada |arlu rara perusaraar ser|rgga|ar |epada lorru||r
pesarar, arda o|sa rerpero|er pergras||ar yarg |urayar sel|ap ou|ar larpa rarus rerpurya| pera|alar percela|arl
3eorarg pergusara gayapos dar| F|or|da, Arer||a 3yar||al le|ar su|ses rerjua| o|sr|s percela|ar da|ar Wa|lu |eo|r dar| 20 larur larpa rer|||||
pera|alar percela|ar. 8e||au d||era|| seoaga| 8R0KER PERCETAKAN alau A0EN PERCETAKAN. 0|a rerjua| |arlu rara perusaraar oerrarga
S20.00 dar rerdapal |or|s| seoarya| S12.00.
8|sr|s seperl| |r| o|sa d|ru|a| o|er s|apa saja, Wa|au d|rarapur arda oerada. la o|sa d|ja|ar|ar secara sarp|rgar alau seperur Wa|lu. Voda| aWa|
arda rurg||r rarya urlu| reroual 1,000 |arlu o|sr|s (ous|ress cards)arda serd|r|. 8|sr|s arda o|sa rereoa| dg cepal j||a arda dapal reroual
laWarar 3ETEN0Al lAR0A dar|pada rarga yarg d||ela|ar o|er perusaraar-perusaraar percela|ar.
urlu| reru|a| o|sr|s |r|, ||ral Ye||oW Pages dar dallar perusaraar percela|ar yarg oeroperas| oerde|alar dg arda. Tu||s sural |epada rere|a dar
r|rla VENYE8uT lAR0A TERVuRAl |arera arda ada|ar seorarg 8R0KER PERCETAKAN dar o|sa rerdapal|ar pesarar yarg oarya| urlu|
rere|a. 3e|epas rerdapal perusaraar percela|ar yarg oagus, s|ar|ar |||ar seperl| oer||ul;
PERu3AlAAN PERCETAKAN TERVuRAll leral|ar ser|rgga 50 urlu| |arlu rara, |epa|a sural, arp|op, lorru||r dar seoaga|rya. Te| : (Noroor
le|elor arda d|s|r|) alau lu||s : (rara dar a|aral arda d|s|r|).
3ele|ar |||ar arda lers|ar, arda pasl| ler|ejul dg jur|ar pargg||ar le|epor yarg a|ar arda ler|ra dar pesarar yarg dalarg re||rparl
2. ACA|HANA HEN0APAT Rp200,000 8EhAR|!
Apa|ar Arda rau pel| sural arda d|perur| dg uarg ser|rgga Rp200,000 sel|ap rar|? la l|da| susar j||a arda laru oaga|rara cararyal 0|oaWar |r|
ada|ar dallar ENAV F0RVuLA RAlA3lA yarg dapal rerdalarg|ar |eurlurgar |epada arda. J||a arda o|sa rery|ar|ar |||ar oer||ul d| sural |aoar
alau raja|ar, arda o|sa rergr|lurg uarg sel|ap rar|. Apao||a sudar rerdapal pesarar, arda rarus rerge|uar|ar selergar dar| pergras||ar arda
urlu| rerasarg |||ar yarg |eo|r oarya| |ag|. 3|ar|ar |||ar seperl| oer||ul d| sural |aoar;
uNTuN0 Rp200,000 3ElARll Ada|ar arda rau rerer|ra 200 sural serar| oer|s| Rp1,000 sel|ap salu? 3argal rudar. Parduar |erg|ap, dar 0RATl3
lorru|a dapal uargl K|r|r|ar Rp1,000 |epada (d| s|r| rara dar a|aral arda)
Apao||a arda rerdapal pesarar, pos|ar |epada pe|arggar salu sa||rar |rlorras| |r| dar lorru|a oer||ull
Formu|a: uatan send|r| dan jua| supaya untung besar!
CARA VERAwAT KAKl 3ETELAl 8ER0LAlRA0A, Adu| 1 ource oorax |eda|ar 1 ga||or a|r. 0oso||ar |e |a|| urlu| rergr||arg|ar pega|-pega|
sele|ar oero|ar raga.
3A8uN CuCl, Carpur 15 oag|ar 3od|ur 3esqu|caroorale |e da|ar 5 oag|ar Tr|sod|ur Prospale. urlu| d|gura|ar, rasu|ar |eda|ar a|r cuc|ar
seperl| o|asa.
PEN0u3lR LALAT, Larul|ar 2 ource Parad|cr|oroerz|re |e da|ar sepererpal oag|ar a|r. Vasu|ar r|rya| za|lur sed|||l urlu| rergras|||ar oau dar
serour|ar |e lerpal |a|al-|a|al yarg oer|e||arar.
LEV CAlR, Larul|ar -3/1 ource ca|c|ur Cr|or|de d| da|ar 20 ource a|r yarg rerd|d|r. 8|ar|ar sarpa| d|rg|r dar laroar|ar 3/1 pourd |er.
PEN0u3lR NYAVuK, Carpur|ar r|rya| c|lrore||a dg vase||re o|asa. usap|ar d| largar dar d| oadar yarg l|da| |elulup oaju.
~Dapat Rp200,000 Sehari! Maukah anda
menerima 100 surat sehari, berisi Rp2,000
setiap satu? Mudah saja. Informasi lengkap dan
RAHASIA 6 Cara-Dapat-Duit dari rumah
GRATIS! Kirimkan Rp2,000 dan alamat lengkap
anda kepada : (Nama dan Alamat anda)
PEV8uNul ANAl-ANAl, Carpur|ar 1 pourd Ferrous 3u|prale |e da|ar 3 ga||or a|r. urlu| rerggura|arrya, serour|ar |e |aWasar yarg d|garggu
ara|-ara| seWa|lu redup oag| rergr|rdar| perguapar |e udara seWa|lu paras.
3. APAKAh |8N|8 YANC PAL|NC HU0Ah 0AN HENCUNTUNCKAN UNTUK AN0A HULA|?
Terdapal oeoerapa o|sr|s rudar. Telap| saya sarar|ar urlu| rerjad| seorarg ager alau orarg lergar oag| seouar perusaraar oesar yarg o|sa
reroual rarlarar oag| arda. 0g cara |r| arda l|da| rerer|u|ar uarg roda|, re|a|r|ar oeoerapa r|ou saja urlu| o|aya |||ar. Arda juga l|da|
rerer|u|ar |orpuler alau arp|op urlu| reru|a| o|sr|s |r|. 3aya sarar|ar supaya arda reroaca oeoerapa perero|lar dar p|||r salu alau oeoerapa
laWarar yarg rerar||. 0|er |arera serua perusaraar rau orarg lergar urlu| rerjua| produ| rere|a, arda rerupa|ar salu ANu0ERAl yarg pa||rg
d||ererda|| o|er sel|ap perusaraar. Vere|a l|da| rerdapal uarg j||a rere|a l|da| rerpurya| orarg seperl| arda. Keoarya|ar perusaraar |r| a|ar
reryed|a|ar |ala|og dar parduar urlu| arda. 8arya| ager yarg le|ar su|ses l|da| perrar rery|rpar |rverlor| ou|u, lelap| rere|a rerjua| r|ouar
ou|u urlu| perusaraar perero|lar lerseoul.
3eorarg ager dar| ulara rerpurya| pergras||ar rarp|r S100,000 selarur larpa reroual apa-apa, lelap| rarya rerasarg |||ar da|ar oeoerapa
perero|lar, goyarg |a|| dar rerurggu pesarar l|oal Kerud|ar, oe||au rerou|a arp|op, aro|| ce| alau Wese| pos dar |erud|ar rerg|r|r|ar lorru||r
pesarar as|| |epada perusaraar. Kerud|ar oe||au dudu| goyarg |a|| dar rerurggu pesarar sarpa| |ag|. Apa |ag| yarg |eo|r rudar? Arda juga o|sa
re|a|u|arryal
4. ACA|HANA HEN0APAT 0AFTAR NAHA, PRANCK0 0AN AHPL0P 8E6ARA CRAT|8?
J||a arda rau oerlarar |ara da|ar o|sr|s gayapos, arda rarus oe|ajar oaga|rara rerdapal pe|arggar urlu| produ| arda. 8u|arrya salu per|ara
yarg susar urlu| rercar| peroe|| urlu| produ| yarg arda jua|, lelap| oe|ajar la|l||rya o|sa rera|ar Wa|lu oeoerapa larur |ararya.
0ar| du|u |ag|, saya le|ar rerdapal rara secara gral|s, arp|op gral|s dar prarg|o gral|s dg rerggura|ar salu CARA TER8AlK yarg perrar d|c|pla
urlu| rerdapal|ar peroe|| yarg oerr|ral. 8aga|rara saya re|a|u|arrya?
3eWa|lu saya ras|r oaru oer|ec|rpurg da|ar usara gayapos |r|, saya rerasarg seouar |||ar |ec|| da|ar seouar sural |aoar yarg popu|er. l||ar
lerseoul reraWar|ar |rlorras| gral|s lerlarg cara rerdapal|ar uarg dar| rurar. 8|ayarya sed|||l lelap| rergras|||ar ralusar jaWaoar. wa|au
oaga|rarapur saya l|da| rer|rla org|os perg|r|rar pos yarg serarusrya saya |a|u|ar. 8ual Wa|lu |r|, saya rerasarg |||ar yarg sara lelap|
se|ararg saya rer|rla sarpu| sural oera|aral serd|r| dar prarg|o. JaWaoar yarg d|ler|ra oer|urarg, lelap| saya rerdapal prarg|o 0RATl3 yarg
oarya|.
urpararya arda rerjua| ou|u re|a|u| pos. J||a arda o|sa reraWar|ar KATAL00 0RATl3 |epada yarg oerr|ral, pasl| arda a|ar rerdapal sesualu
yarg |eo|r dar|pada |lu. VeraWar|ar lNF0RVA3l 0RATl3 |a|ar CARA TER8AlK urlu| rerdapal NAVA 0RATl3, PRAN0K0 0RATl3 0AN AVPL0P
0RATl3. C08ALAll
5. ACA|HANA HENYU8UN NAHA 0C HU0Ah 0AN HENJUALNYA 8Eh|NCCA Rp20,000 8ET|AP 100 NAHA?
J||a arda ras|r oaru da|ar gayapos dar rercar| sesualu urlu| d|jua| larpa roda|, saya reryarar|ar |epada arda supaya rercooa prograr yarg
sargal rudar |r|. Vu|a| dar| reryusur rara dar a|aral dar| oeroaga| suroer, lerulara a|aral yarg dapal arda pero|er dar|pada |||ar-|||ar gayapos.
Tu||s a|aral lerseoul dg |eras pada se|eroar |erlas oeru|urar A1. l||ar|ar dallar rara arda da|ar raja|ar dar sural |aoar. corlor seperl| oer||ul;
0AFTAR NAVA PENCARl PELuAN0, 100 NAVA lANYA Rp20,000 dar| : (Tu||s|ar rara dar a|aral arda d|s|r|).
urlu| supaya |eo|r rergurlurg|ar, arda o|sa reroual |alegor| rara-rara lerseoul, corlorrya pe|ajar, pergusara VLV, pergusara dar seoaga|rya.
lr| a|ar rerudar|ar pe|arggar arda urlu| rer|||r pe|arggar yarg rere|a per|u|ar dg lepal. Pasl|rya arda a|ar rerer|ra pesarar yarg oarya|
dar arda o|sa rerjua| rara-rara lerseoul oer|a||-|a|| urlu| rerdapal|ar urlurg yarg oarya|l
. 0APAT UANC 0C HENJUAL RAhA8|A KE6ANT|KKAN KEPA0A REHAJA
0| oaWar |r| ada|ar salu |||ar yarg arda o|sa gura|ar dar serua |eurlurgar yarg arda pero|er ada|ar |epuryaar ardal
REVAJAl llLAN0KAN JERAwAT 0AN PARuT TANPA RAwATAN KECANTlKAN YAN0 VAlAL, PAN0uAN LEN0KAP lANYA Rp1,000. Pos|ar
|epada (d|s|r| rara dar a|aral arda)
Apao||a arda rerer|ra pesarar, pos|ar parduar |ecarl||ar oer||ul |epada pe|arggar arda.
RAwATAN uNTuK JERAwAT 0AN PARuT.
Cuc| ru|a arda pa||rg l|da| l|ga |a|| serar| dg saour yarg l|da| rerger|rg|ar (corlorrya 8|ac| 3oap Fe||sa). Luarg|ar Wa|lu 5 rer|l urlu| rercuc|
ru|a dg a|r yarg rargal. Kerud|ar usap|ar saour |e se|urur ru|a dg |eroul. Kerud|ar o||as dg a|r d|rg|r sarpa| oers|r ser|rgga serua saourrya
r||arg.
PENJA0AAN VAKANAN A0ALAl 3AN0AT PENTlN0l Jargar rera|ar ra|arar yarg d|gorerg, dag|rg rerar, rol dogs, rol| pul|r, ca|e dar p|e, a|r
soda dar ra|arar r|rgar. 8arya| ra|ar sayur yarg d|reous, ouar-ouarar dar oalrea|. 8arya| r|rur a|r rasa| dar jaur|ar dar| rer|rur a|r susu.
0a|ar Wa|lu oeoerapa r|rggu, ru|a arda a|ar rerjad| oers|r dar carl||. J||a l|da|, arda pasl| l|da| rerg||ul| jadWa| ra|arar yarg d|syur|ar.
Jargar r|rur a|r rar|s dar a|r soda seperl| co|e alau peps|, |r| o|sa rerga||oal|ar oarar. 0|er |arera oadar rarus|a oeruoar dg cepal seWa|lu
peroesarar, ada|ar rerjad| per|ara o|asa j||a reraja rerpurya| |ardurgar ||r|a yarg l|da| se|roarg da|ar luour rere|a, apa|ag| j||a po|a ra|ar
yarg l|da| se|roarg. J||a |u||l ru|a ras|r oerjeraWal, oerjurpa|ar dg do|ler spes|a||s |u||l urlu| rerdapal raWalar. Jargar rera|ar ayar dar
dag|rg j||a ru|a ras|r l|da| rerurju||ar peruoarar yarg e|o|. Peroarya||ar rera|ar seral (qua|er oal) dar sayur |acarg yarg rergardurg
v|lar|r 8 yarg d|per|u|ar o|er |u||l yarg seral.
hUTANC YANC HENUHPUK
(3Tu0l KA3u3) 3aya pegarg |arlu |red|l |eo|r dar| 2 oar|, dar ||r|l ro| serua sedarg larggurgar oarya|. 8aga|rara so|us| urlu| rergalas|rya? Apa
per|u ||la oual |arlu |red|l |ag| urlu| rerulup| seruarya??
Ter|ra |as|r seoe|urrya. Ardre - Va|arg
Jawaban:
Pa| Ardre, saya rerarar| |ord|s| Arda se|ararg |r| pasl||ar cu|up rerus|rg|ar dar reroual Arda l|da| lerarg |arera leroeoar| o|er rularg yarg l|da|
sed|||l. 3aya sarar|ar agar Arda l|da| par||, dar rer|||r|ar oa||-oa|| oeroaga| a|lerral|l so|us| oeserla |orse|uers|rya.
0a|| |uoarg lulup |uoarg dg ap|||as| |arlu |red|l oaru o|sa rerjad| sa|ar salu so|us|, rarur Arda juga per|u rerperl|roarg|ar |orse|uers|rya. 0g adarya
|arlu |red|l oaru, rularg Arda seoelu|rya l|da| oer|urarg dar rarya rerperparjarg saja rasa|ar. 3e|a|r |lu, oeoar Arda o|sa jad| oerlaroar |arera rarus
reroayar |urar larurar. Peroualar |arlu |red|l oaru rarya rerperparjarg dead||re, lap| l|da| rergurarg| rasa|ar, ra|ar ler|adarg rerperoesar
rasa|arrya. 3arar saya, so|us| |r| rarya d|aro|| j||a Arda rerarg rarpu reroayar |eroa|| rularg lerseoul, rarya saja Arda reroulur|ar laroarar
Wa|lu urlu| e|se|us|rya. V|sa|rya, rerurggu perca|rar dara dar| depos|lo dar seoaga|rya. Tap| j||a |erarpuar oayar Arda sara saja, saya sargal l|da|
reryarar|ar |arg|ar |r|.
Kecua|| j||a Arda o|sa rerdapal|ar las|||las per|rdarar sa|do rularg |epada |arlu |red|l oaru yarg reraWar|ar prograr |rusus lrarsler oa|arce.
PeraWarar |r| o|sa saja Arda aro|| dar o|sa rerudar|ar Arda urlu| rerc|c|| rularg Arda. Karera dg prograr |r| o|asarya Arda d||era|ar ourga yarg
sargal r|rgar pada oeoerapa ou|ar perlara. Tap| |rgal, Arda rarus lelap rerc|c||rya seoesar rurg||r yarg Arda rarpu, dar |arlu yarg oaru sara se|a||
l|da| d|gura|ar sarpa| dg rularg yarg |ara |uras.
3eoe|ur rerperl|roar|ar a|lerral|l d| alas, saya r|rla Arda perr|lurg|ar |eroa|| |erarpuar oayar Arda dar oual s|ru|as|rya. J||a Arda ras|r o|sa
reroayar c|c||ar r|r|ra|rya, lerus saja oayar|ar seoesar c|c||ar r|r|ra| se|ararg, dar jargar d||urarg| d| ou|ar depar. J||a |lu yarg Arda |a|u|ar, ra|a
Arda o|sa re|uras|rya da|ar jarg|a Wa|lu 1 larur. Narur j||a Arda rarya reroayar c|c||ar r|r|ra| saja sel|ap ou|ar, ra|a rularg lerseoul oaru a|ar
|uras da|ar Wa|lu 2 larur.
Narur j||a |erarpuar reroayar Arda sudar d| oaWar c|c||ar r|r|ra| se|ararg, saya sarar|ar Arda rercar| suroer rularg |a|r yarg o|sa rerulup|rya
urlu| sererlara. 3eoe|ur rerperl|roarg|ar |arlu |red|l oaru, perl|roarg|ar ler|eo|r daru|u suroer p|rjarar oeoas ourga dar| |e|uarga, saraoal, alau
|operas| |arlor. Arrad 0oza||
|NC|N ELAJAR ER|NVE8TA8|
(3Tu0l KA3u3) Pa| 0oza|| d| lerpal, se|ararg saya rer||||| dara Rp. 10 jula dar saya |rg|r se|a|| rercooa urlu| rerasu|| dur|a |rveslas|. Rercara
saya |e depar ada|ar ser|us d| o|darg |r|. K|ra-||ra, apa yarg o|sa saya jaja|| seoaga| |arg|ar aWa|, rerg|rgal dur|a |rveslas| |r| ler|a|u |uas, dg sega|a
|e|eo|rar dar |e|urargarrya. Alas perral|ar 8apa|, saya ucap|ar ler|ra |as|r. Ad| Rarad| --- 8ardurg
Jawaban:
Pa| Ad|, lrveslas| se|aya|rya o|sa d||a|u|ar o|er serua orarg, dg dara oerapapur. Jargar ragu |arera rerasa oe|ur oerperga|arar, la|ul rug|, alau l|da|
laru cararya, |arera serua |lu o|sa d|pe|ajar| dg rudar. Keragu-raguar urlu| oer|rveslas| ser|rgga a|r|rrya rarya rery|rpar dara d| oaWar oarla|, juslru
|eo|r rerug||ar dar|pada |erug|ar |arera r||a| |rveslas| yarg rerurur.
urlu| |arg|ar aWa|, Arda o|sa cooa pe|ajar| oeroaga| produ| |rveslas| seperl| depos|lo, re|sa dara dar ur|l ||r|. urlu| depos|lo d| oar|, saya ya||r Arda
sudar cu|up a|rao, ser|rgga l|da| per|u |ag| peroe|ajarar yarg |rusus. Yarg per|u Arda |a|u|ar rarya|ar rer||ar-r||ar oar| rara yarg ||ra-||ra rer|||||
su|u ourga alau oag| ras|| yarg pa||rg rergurlurg|ar.
3edarg|ar urlu| re|sa dara dar ur|l ||r|, Arda o|sa r|rla agar para ager rergruourg| Arda dar rerje|as|ar rergera| produ|rya pada Arda. Jargar
rarya dapal|ar |rlorras| dar| salu ager perjua|, rarur r|rla |rlorras| dar| oeoerapa ager se|a||gus agar rerdapal|ar peroard|rgar yarg |eo|r ooje|l|l.
urlu| dua produ| |r|, saya sarar|ar agar Arda rasu| saja j||a sudar rerpe|ajar| prospe|lusrya dg oa||. T|da| usar ler|a|u oarya| rer|||r ler|eo|r daru|u,
|arera o|asarya ler|a|u o|rgurg da|ar rer|||r ra|ar ser|rg|a|| reryeoao|ar |rveslor peru|a a|r|rrya rurdur dar l|da| oer|rveslas| sara se|a||.
3edarg|ar produ| |rveslas| |a|rrrya seperl| sarar, oo||gas|, dar seoaga|arya o|sa Arda pe|ajar| |eo|r |arjul seoaga| larapar se|arjulrya. 3e|aral
oer|rveslas|. Arrad 0oza||
|NC|N ERw|RA8wA8TA
(3Tu0l KA3u3) 0ear 8apa| 0oza||, saya se|ararg sedarg oe|erja seoaga| |aryaWar sWasla. 3aya sudar rer||ar dar oerercara rer||||| ara| d| larur |r|.
3aya rerasa j||a saya lerus oe|erja |arlorar, saya l|da| a|ar rer||||| Wa|lu yarg cu|up urlu| oersara ara| saya. 3aya |rg|r lelap o|sa rergras|||ar uarg
larpa per|u oe|erja d| |arlor, a||as saya ||rg|r oerW|rausara.
Vasa|arrya, saya l|da| laru apa oerlu| W|rausara yarg lepal urlu| saya. 3ed|||l |rlorras|, se|ararg saya ada|ar seorarg rar|el|rg, dar saya rerasa saya
rer||||| |erarpuar rerjua|. 3erasa |u||ar, saya ler||oal d| seouar Everl 0rgar|zer |arpus yarg ser|rg rergada|ar acara rus||, dar saya sargal
reryu|a| |eg|alar |r|.
Verurul 8apa| apa oerlu| usara yarg pa||rg lepal oual saya? 8aga|rara |arg|ar-|arg|ar yarg rarus saya lerpur urlu| reWujud|arrya? Apa|ar roda|
rerjad| pererlu urlu| oerW|rausara?
8apa|, saya sargal rerurggu jaWaoar 8apa| dar ler|ra|as|r alas perral|arrya. Ar|esa---Ja|arla
Jawaban:
Apapur jer|s usararya, apapur produ| yarg d|jua| alau d|oual, yarg pa||rg perl|rg da|ar rerge|o|a usara ada|ar oaga|rara rerjua| produ|rya. wa|aupur
Arda rer||||| produ| yarg oagus r|sa|rya, lelap saja usara Arda l|da| o|sa raju j||a produ|rya l|da| lerjua| dg oa||. Tap| |a|au Arda l|da| purya produ|
yarg oa||, lap| o|sa rerjua| dg oa||, Arda o|sa rerjua||ar produ| orarg |a|r, dar dar| s|lu Arda o|sa rerdapal|ar |eurlurgar.
Jad| |urc| su|serya seoelu|rya ou|ar pada per|||rar jer|s usara. Tap| jer|s usara apapur yarg d|p|||r, pasl||ar Arda laru oaga|rara rerasar|ar dar
rerjua| produ|/jasa lerseoul.
Verg|rgal pos|s| Arda seoaga| rar|el|rg d| perusaraar Arda se|ararg, sarar saya ada|ar, oe|ajar|ar seoarya|-oarya|rya ||ru rar|el|rg dar perjua|ar
se|ara Arda ras|r oe|erja. Tap| jargar ler|a|u oelar d|sara j||a Arda rerarg sudar purya r|al urlu| l|da| se|ararya oe|erja. Telap|ar lergelrya,
r|sa|rya 1 larur |ag| alau 5 larur |ag|. Telap|ar serd|r| largelrya.
3aro|| oe|ajar rar|el|rg d| perusaraar Arda se|ararg, pe|ajar| oeroaga| racar jer|s usara yarg ||ra-||ra coco| dg r|ral alau roo| Arda. V|sa|rya, everl
orgar|zer, rarajerer arl|s, dar seoaga|rya. 3er|rgga |el||a Wa|lurya l|oa urlu| |e|uar dar| pe|erjaar se|ararg. Arda sudar purya rercara usara yarg
ralarg, dar |ear||ar yarg rerada| urlu| rerjua|. Arrad 0oza||
|NC|N ERw|RA8wA8TA 0C ERJUALAN K0RAN
(3Tu0l KA3u3) 0ear Pa| 0oza||, seoe|urrya saya ucap|ar ler|ra |as|r urlu| oarluar Arda d| ruor|| |r|.
3aya |rg|r reroarlu para guru 30 d| seouar yayasar. Perdapalar rere|a per ou|ar rarya Rp 100 r|ou. la| |r| sargal rerpr|ral|r|ar, d|rara perdapalar
l|da| dapal d|ra|||ar |ag| |arera |rcore 3PP rarya d|oayar 50 rur|drya. lrcore lola| per ou|ar |urarg |eo|r Rp 1.250.000 (50 x 100 rur|d x Rp.
20.000). 3eoaga| perseorargar, saya l|da| o|sa reroarlu oarya|, lap| rerurul oragrlua saya, seoa||rya ||la reroer| roda| urlu| usara rere|a supaya
l|da| rao|s.
Lo|as| 30 lerseoul d| da|ar per|arpurgar, oarya| d||eWal| Warga dar rarya o|sa d||eWal| rolor.
Yarg |rg|r saya larya|ar:
1. usara apa yarg ||ra-||ra coco| urlu| rero|org rere|a agar o|sa rerdapal laroarar pergras||ar? 0ar oerapa ||ra-||ra oesar roda| yarg
d|oulur|ar?
2. Perdapalar saya rarya Rp.3.000.000 per ou|ar. Taourgar saya Rp 20 jula, lelap| saya |rg|r oerW|rasWasla dg oerjua|ar |orar/ red|a rassa |a|r, alau
p|||rar |a|r oaju urlu| ara|-ara| |u||arar. Telap| saya l|da| laru cararya. Apa yarg rarus saya |a|u|ar? 3|apa yarg rarus saya ruourg| dar oerapa
||ra-||ra roda| yarg d|oulur|ar? 8aga|rara pu|a cara rerge|o|a |euargar saya yarg leroalas |r| urlu| usara-usara lerseoul d| alas?
Pa| 0oza||, se|a|| |ag| saya ucap|ar ler|ra |as|r. 3aya sargal serarg o|sa oer|orsu|las| dg 8apa|. Ter|ra |as|r. Narda
Jawaban:
lou Narda, saya sa|ul se|a|| dg perral|ar Arda |epada para guru. 0ar| cer|la Arda, |ord|s| rere|a rerarg cu|up rerpr|ral|r|ar se|a||. Ja|ar |e|uar yarg
d|usu||ar oerupa reryed|a|ar roda| urlu| rere|a rerja|ar|ar usara seperl|rya ada|ar usu|ar yarg oagus. Narur seoelu|rya a|ar |eo|r oa|| |ag| j||a
ja|ar |e|uarrya d|rarcarg secara s|sleral|s. Karera rasa|ar seoelu|rya ou|ar|ar pada perdapalar rere|a yarg |ec||, rasa|ar seoelu|rya ada|ar pada
s|sler perd|d||arrya. J||a se|o|ar lerseoul rerarg rer||||| r|s| sos|a|, ra|a rerjad| larggurgjaWao yayasar urlu| rercar| suroer dara urlu| rerggaj|
para guru.
A|ar |eo|r oa|| oa|| j||a usara lerseoul d|ja|ar|ar o|er p|ra| yayasar urlu| |esejarleraar para gururya. Alau sel|da|rya usara lerseoul d||a|u|ar secara
ler|oord|ras| agar l|da| rere|arlar|ar se|o|ar |arera s|ou| rerja|ar|ar usara. 3er|rgga yayasar lerseoul o|sa lelap rerja|ar|ar r|s| sos|a|rya dg
perd|d||ar rurar, dg suroer dara serd|r| yarg oerasa| dar| ur|l usararya.
Vergera| jer|s usararya, lerlurya l|da| o|sa oeg|lu saja ||la p|||r larpa rerperl|roarg|ar |ord|s| pasar dar |erarpuar para guru alau yayasar |lu serd|r|.
Cooa ||ral pe|uarg apa yarg lersed|a d| |o|as| se||lar se|o|ar. 8arya| d||eWal| Warga arl|rya |o|as|rya cu|up slraleg|s d|rara oarya| orarg |eWal yarg a|ar
re||ral dar |erurg||rar juga rarp|r dar oerpe|uarg rerjad| |orsurer. T|rgga| re||ral, apa ||ra-||ra yarg d|oulur|ar o|er para Warga yarg |a|u |a|arg d|
se||lar se|o|ar lerseoul. 0ar lerlu saja sesua||ar juga dg |erarpuar dar| para guru alau yayasar yarg a|ar rerja|ar|ar usara |r|. J||a rerarg
d|per|u|ar, oer||ar pe|al|rar seoaga| sa|ar salu roda| da|ar reroargur usara |r|.
8eg|lu juga dg rercara Arda da|ar rer||||| usara serd|r|. 3eoe|ur Arda perl|roarg|ar usara apa yarg coco| urlu| Arda, ada oa||rya r|rla
perl|roargar orarg lerde|al Arda urlu| rer||a| polers| apa yarg o|sa d||eroarg|ar da|ar usara lerlerlu. urlu| usara perjua|ar sural |aoar seperl| yarg
sudar Arda rercara|ar, cooa pe|ajar| ja|ur d|slr|ous| sural |aoar dar raja|ar ru|a| dar| perero|lrya sarpa| |e pergecer. 0|rara saja d|slr|oulor oesar d|
se||lar |o|as| Arda dar d|rara saja ager (|orpel|lor) yarg ||ra-||ra oerde|alar dg |o|as| Arda. Cara yarg pa||rg rudar urlu| rerdapal|ar |rlorras| |r|
ada|ar dg rerarya|arrya pada ager sural |aoar yarg sudar oerja|ar. 0ar| sara pu|a Arda a|ar rerdapal |rlorras| oaga|rara prosedurrya urlu| rerjad|
ager dar oerapa roda| yarg d|oulur|ar. 3aya ||ra dara laourgar Arda sudar rercu|up|rya. Arrad 0oza||
|NC|N UKA KAFE
(3Tu0l KA3u3) Vel Pag| lou V||e, |argsurg saja ya. 3aya |rg|r rerou|a |ale ra|arar d| daerar Jaoolaoe| (|ag| survey), lap| saya rerasa|ar |esu||lar
da|ar proses rergaju|ar proposa| urlu| rerdapal dara-rya (dar| orlu). Yarg |rg|r saya larya|ar, |arg|ar-|arg|ar apa saja yarg rarus saya |a|u|ar,
sarpa| dg oerd|r|rya usara |ec|| lerseoul. Narl| ||o |ale udar oerd|r|, |ou saya urdarg ra|ar d| |ale |lu, der :)
Ter|ra |as|r. Rudy Too|rg --- Ja|arla
Jawaban:
la|o Pa| Rud|,
3erarg se|a|| rerdergar r|al Arda urlu| oerW|rausara. 8|sr|s |ale yarg a|ar Arda ou|a rerarg rerer|u|ar pers|apar-pers|apar yarg ralarg. usara
|ale rerarg oeroeda dg rurar ra|ar o|asa, d|rara |orsep d|r|rg (ra|ar) dar erlerla|r|rg (r|ourar) rerupa|ar c|r| |ras yarg re|e|al padarya. |ale
ou|ar se|edar lerpal ra|ar, lap| juga lerpal oersos|a||sas|, oar|ar reel|rg po|rl urlu| urusar o|sr|s. 3aro|| ra|ar, sesudar ra|ar alau se|edar r|rur-
r|rur saja d| |ale, pergurjurg juga |rg|r rer||ral| susara saro|| rergooro|. Karera |lu, pergurjurg |ale o|asarya ada|ar |e|as rerergar |e alas,
d|rara |eo|asaar orea|lasl, ous|ress |urcr, ous|ress d|rrer d| sara sudar rerjad| oag|ar dar| gaya r|dup ser|rgga rre|a juga oerrarap rerdapal|ar
saj|ar suasara yarg reryerarg|ar. 0g |ala |a|r, seouar |ale l|da| rarya rerjua| ra|arar dar r|rurar, lelap| juga suasara. 0g der|||ar, se|a|r rarus
rerorjo| dar| seg| ra|arar alau r|rurar, seouar |ale rarus juga o|sa rerjua| suasara.
Alas dasar a|asar-a|asar lerseoul, proposa| o|sr|s seouar |ale d|oual. Karera |lu, re|a|u|ar r|sel, survey alau seracar slud| |e|aya|ar o|sr|s rarus
d||a|u|ar da|ar rarg|a reryusur proposa| o|sr|s, dg lujuar rerdapal|ar perroda|ar rarus d||a|u|ar. 3uroer roda| perlara |a|| rerarg rarus
d|usara|ar serd|r|, dar |eoelu|ar orarglua Pa| Rud| rarpu reroarlu. Vasa|arrya se|ararg, oaga|rar Pa| Rudy o|sa reya||r|ar ca|or |rveslor agar
rau rero|aya proye|-rya. 8er||ul |r| ada|ar oeoerapa |de rergera| apa saja yarg rarus ada da|ar seouar proposa| o|sr|s rerou|a |ale:
1. Pers|apan mend|r|kan usaha: lerlu|ar d|rara |o|as|rya, apa rara |alerya, apa|ar per|u rerggura|ar |ogo alau l|da|, |aryaWar (juru rasa|,
pe|ayar, pelugas |eoers|rar, slal adr|r|slras|), |z|r usara (per|u|ar sarpa| |e rolar|es), perl|roargar pererluar oesarrya roda| urlu| seWa lerpal
peroe||ar oarar ra|arar & r|rurar, gaj| |aryaWar, overreadcosl, d||.
2. 8trateg| pemasaran: |a|u|ar survey perasarar urlu| rergelaru| |apar saja dar urlu| apa orarg dalarg |e |ale, |erud|ar rererlu|ar largel pasar,
||al oersa|rg, c|r| |ras ra|ar & r|rurar yarg d|jua|, dar rergalur |eo|ja|ar rergera| rarga.
3. Proses produks|: oerdasar|ar survey perasarar, lerlu|ar|ar jer|s ra|arar dar r|rurar apa saja yarg coco| d|jua| d| daerar lerseoul, |erud|ar
juru rasa| yarg ar|| d|per|erg|ap| dg pera|alar dar oarar ra|arar yarg rerada|.
1. 8trateg| keuangan: lelap|ar largel perjua|ar, |erud|ar rarga ra|arar & r|rurarrya, perr|lurg|ar rarga po|o| perjua|ar dar oual proye|s| arus
|aoa/ rug|, proye|s| arus |as, dar juga reracarya.
5. Hanajemen: lerlurya pa| Rud| serd|r| yarg a|ar rerjad| perge|o|arya, seoao usara |ale o|asarya a|ar oerja|ar dg oerdaya gura dar oerras|| o||a
d|largar| |argsurg o|er per|||| yarg oerded||as| l|rgg|, |or|lrer, dar rerpurya| |ear||arrya
3eroga oerrarlaal dar se|aral rerja|ar|ar o|sr|s |ale. V||e R|r|
|NC|N HEHUKA ENCKEL KELA8 HENENCAh
(3Tu0l KA3u3) Pa| 0oza||, |argsurg saja yar. 0g oujel se||lar 500jula (||ra ralus jula rup|ar), apa|ar saya o|sa rerd|r||ar seouar oerg|e| |e|as
rerergar? Ka|au o|sa,
1. 8aga|rara cararya ya, Pa|? Apa|ar 8apa| o|sa reroer||ar pelurju| slep oy slep apa yarg rarus saya |a|u|ar urlu| reWujud|arrya?
2. Apa|ar saya per|u rercar| |red|l dar| oar|? Ka|au |ya, oaga|rara cara rerdapal|ar |red|l dar| oar| s|r, Pa|?
3. Apa saja syaral dar sarar urlu| rerou|a usara seperl| saya |r|, Pa|?
Ter|ra |as|r alas jaWaoar 8apa|. 3eroga 8apa| se|a|u oerada da|ar ||rdurgar A||ar 3wT. 0ede RusraWar --- N|jreger
Jawaban:
Pa| 0ede, serarg rerdapal perlaryaar dar| Arda.
3ayarg se|a|| pa|, saya l|da| o|sa reroer||ar pelurju| yarg dela|| rergera| perou|aar oerg|e|. Ada oa||rya Arda rergruourg| |orsu|lar o|sr|s urlu|
rerdapal|ar jaWaoar yarg |eo|r reruas|ar.
urlu| larap aWa| |r|, saya sargal l|da| sarar|ar Arda urlu| rergaro|| |red|l dar| oar|. Karera usara Arda sara se|a|| oe|ur lerou|l|, ra|a oar| pur
o|asarya l|da| a|ar rau reroer||ar |red|l usara urlu| Arda. wa|aupur seoelu|rya Arda o|sa rerdapal|ar |red|l dg s|era |a|r, lap| lelap saja ra| |r| l|da|
per|u Arda |a|u|ar. Ka|aupur |erud|ar roda|rya ras|r oe|ur rercu|up|, ra|a a|ar |eo|r oa|| urlu| rercar| parlrer usara saja dar oeroag| roda|
dar|pada rarus |e oar| dg res||o yarg l|rgg|.
Vergera| persyaralarrya, se|a|r per|z|rar usara seperl| ra|rya usara pada ururrya. 3eperl| sural |z|r usara, dor|s|||, oadar ru|ur, dar |a|rrya. 3alu ra|
yarg per|u Arda laroar|ar urlu| o|sr|s oerg|e| ada|ar |z|r |erara|ar dar gargguar. urlu| |eo|r je|asrya Arda o|sa rerarya|ar ra| |r| pada perer|rlarar
|ecaralar alau desa d|rara oerg|e| Arda a|ar oer|o|as|. la| |r| d|per|u|ar rerg|rgal usara oerg|e| darpa| rer|rou||ar ele| yarg rurg||r rerggargu
||rg|urgar seperl| suara yarg oer|s|| dar po|us| udara |a|rrya. Verg|rgal usara oerg|e| juga o|asarya raWar |eoara|ar, ra|a sargal d|sarar|ar juga agar
rergasurars||ar gedurg oerg|e| oeserla dg |s|rya dg asurars| |eoa|arar.
0er|||ar dar| |ar| pa| 0ede, seroga su|ses dg usara Arda. Arrad 0oza||
|NC|N HEHULA| U8AhA
(3Tu0l KA3u3) 3aya |rg|r reru|a| usara parcuc|ar oaju oag| raras|sWa d| ||rg|urgar se||lar saya yarg ururrya |osar raras|sWa. Prospe|rya cu|up
oagus dar oaru ada salu pesa|rg yarg rer||||| o|sr|s serupa.
Yarg |rg|r saya larya|ar ada|ar:
1. 3lraleg| aWa| apa yarg rarus saya aro|| rerg|rgal saya ras|r |u||ar?
2. 8erapa ||ra-||ra roda| yarg d|per|u|ar?
Ter|ra|as|r oarya|. 3rala --- oardurg
Jawaban:
Voa| 3rala,
3a|ul urlu| Arda. 3eoaga| raras|sWa, Arda sudar rer||||| serargal o|sr|s yarg |uar o|asa.
Verg|rgal Arda serd|r| ras|r |u||ar, ra|a yarg rarus Arda s|asal| ada|ar peroag|ar Wa|lu dar perar. Vau l|da| rau, Arda rarus rergaja| orarg |a|r
rerg|rgal |eleroalasar Wa|lu yarg Arda r|||||. Re|rul|ar dar| perdudu| se||lar Arda oeoerapa orarg (2-3 orarg) leraga |erja urlu| percuc|ar oaju yarg
lugasrya ru|a| dar| rerse|e|s| oaju yarg a|ar d|cuc| sarpa| reryelr||a dar re||palrya rap|. La|u aja| |erja sara seorarg lu|arg oje| urlu| rerjad|
pelugas arlar jerpul. 0|a oerlugas rergaro|| oaju dar| ager-ager Arda sel|ap pag|, dar rergarlar|arrya |eroa|| sel|ap sore/ra|ar.
urlu| rerper|uas pasar, dar rer|r|ra||s|r o|aya seWa lerpal. Aja| |erja sara oeoerapa Warle|/Warrel/Warurg ra|ar alau lerpal rara| |a|rrya yarg
ser|rg d|dalarg| raras|sWa seoaga| ager Arda. Cu|up oe|a|| rere|a dg l|roargar, dar pera|alar adr|r|slras| serla proros| secu|uprya. Vere|a o|sa
rerdapal|ar |or|s| lerlerlu dar| org|os cuc| yarg d|oeoar|ar pada |orsurer.
3eoaga| raras|sWa, seoelu|rya Arda rer||||| |e|eo|rar. Ya|lu Arda o|sa re|a|u|ar proros| dg sargal ele|l|l pada lerar-lerar Arda serd|r| d| |arpus.
T|da| usar ra|u urlu| reraWar|ar jasa Arda pada rere|a. 8|asarya |orsurer a|ar |eo|r ryarar dar percaya re|a|u|ar lrarsa|s| dg seseorarg yarg
sudar rere|a |era| seoe|urrya. 3er|rgga Arda o|sa rerdapal|ar |orsurer yarg |oya| dar rer||||| ruourgar pr|oad| yarg |ual.
Vergera| roda| yarg d|per|u|ar, rerarg sargal lergarlurg dar| |o|as| Arda serd|r|. Tap| |a|au d| |uar |o|as|, Arda rerer|u|ar dara se||lar Rp 10 jula
urlu| reroe|| res|r cuc| dar pera|alar |a|rrya.
3e|aral oero|sr|s, |aoar| |ar| |eroa|| j||a Arda suda| su|ses..Arrad 0oza||
|NTERNET |8N|8
(3Tu0l KA3u3) la||o,
3aya lerlar|| urlu| oero|sr|s |rlerrel rar|el|rg seperl| Arre Ar|ra, rojarg oardurg yarg oerpergras||ar r|ouar do||ar dg rere|ur| o|sr|s |r|. (Korpas, 21
Jur| 2001 dar |rlerv|eW-rya d| rllp://Arre-Ar|ra.cor).
Yarg |rg|r saya larya|ar:
1. 8aga|rara rerurul para pa|ar lerlarg o|sr|s |rlerrel rar|el|rg? (0ar| s|s| pe|uarg, res||o, dar |ega||las)
2. Apa|ar perdapalar dar| o|sr|s seperl| |lu a|ar |era paja| pergras||ar? 8aga|rara jusl|l||as|rya?
3. Apa|ar rerarg |aya| urlu| d|le|ur|, |rususrya urlu| ||la orarg lrdores|a?
0er|||ar, ler|ra|as|r. 8ud| Vu|ya.
Jawaban:
Pa| 8ud|, seoe|ur o|sa rerajaWao perlaryaa Arda, rarpa|rya ||la serua rarus reryara|ar du|u pergerl|ar dar| |rlerrel rar|el|rg |lu serd|r|.
Apa |lu |rlerrel rar|el|rg? 0ar| yarg saya parar|, ada oeoerapa pergerl|ar yarg o|sa d|gura|ar urlu| |sl||ar |rlerrel rar|el|rg |r|. Pergerl|ar secara urur
|rlerrel rar|el|rg ada|ar re|a|u|ar perasarar dg rerggura|ar le|ro|og| |rlerrel.
V|sa|rya, seouar perusaraar |orve|s| se|a|r rerjua| pa|a|ar |e |orsurer |arggararrya secara |argsurg, juga rerasarg |||ar d| |rlerrel dar rerer|ra
pesarar re|a|u| |rlerrel.
Narur |a|au yarg Arda ra|sud pe|uarg usara d| |rlerrel, o|asarya |lu oerruourgar dg relWor| rar|el|rg alau VLV. 8|sa oerupa VLV |orvers|ora| yarg
re|a|u|ar re|ru|lrerl v|a |rlerrel. Alau rurr| VLV v|a |rlerrel saja. 3erua pe|al|rar d||a|u|ar v|a |rlerrel, l|da| rarus rergrad|r| acara lerlerlu. uargrya
d|lrarsler dar oarargrya pur d|serar|ar re|a|u| |ur|r.
Tap| ral|-ral| |a|au lerryala l|da| ada oararg yarg d|pasar|ar. Arda rarya cu|up reryelor|ar uarg dar rerprospe| orarg |a|r v|a |rlerrel larpa
reraWar|ar produ| sara se|a||. Ka|au oeg|lu, |r| rararya rorey gare.
Ka|au sudar laru seperl| apa sesurggurrya |rlerrel rar|el|rg yarg d|laWar|ar pada ada, ra|a Arda o|sa rer||a| serd|r| pe|uarg dar res||orya. 8|sa sara
saja dg o|sr|s o|asa, VLV, alau rorey gare. Kecua|| urlu| aspe| |ega||lasrya, o|asarya aspe| |ega||lasrya |urarg d|perral||ar |arera o|sr|srya lerjad| d|
dur|a raya. wa|aupur perusaraarrya |ega|, rarur sargal rurg||r |o|as|rya yarg oeroeda regara reryeoao|ar Arda rarus oerral|-ral| juga.
Vergera| perpaja|arrya, sargal oergarlurg dg |ega||las dar dor|s|||rya. 8|asarya s|r pergras||ar |r| s|lalrya l|da| resr| ser|rgga l|da| d|polorg paja|.
8|sr|s v|a |rlerrel o|sa d||a|u|ar d|rarapur juga d| se|urur dur|a. Yarg d|perral||ar ada|ar largel rar|elrya, ou|ar pe|a|urya. V|sa|rya urlu| o|sr|s
|orvers|ora| yarg reraWar|ar produ| v|a |rlerrel. wa|aupur pe|a|u o|sr|srya d| peda|arar yarg su||l d|jarg|au rarur o|sa rerasar|ar oararg sarpa| |e
se|urur dur|a. Tap| lerlurya perral||ar largelrya juga, jargar sarpa| reraWar|ar rarle| rus|r d|rg|r |e regara paras d| Alr||a.
0er|||ar Pa| 8ud|. Arrad 0oza||
KAPAN 8AYA hARU8 HULA| HEN6|6|L RUHAh?
(3Tu0l KA3u3) 3aya seorarg pegaWa| sWasla, oaru oe|erja se|ara 9 ou|ar dg gaj| 1Jl/ ou|ar. 3aya |rg|r se|a|| reroe|| rurar dg KPR. To|org oarlu |apar
oa||rya saya rarus reru|a| rerg|red|l rurar & oerapa oesar c|c||ar yg seral dg pergras||ar saya lerseoul. Ter|ra Kas|r. E||er 3lary --- 0epo|
Jawaban:
la||o, apa |aoar ? 3erarg rerer|ra era|| dar| Arda.
Kepulusar urlu| rer||||| rurar lerlu oulur per|||rar dar perl|roargar yarg ralarg, |arera dg reroe|| rurar Arda ler||al |or|lrer jarg|a parjarg.
ururrya |red|l rurar rera|ar Wa|lu yarg cu|up |ara. Kapar saal yarg lepal oag| Arda urlu| rerg|red|l rurar Arda serd|r||ar yarg
rerperl|roarg|ar |erarpuar |euargar Arda. Apao||a rerggura|ar KPR, ler|eo|r daru|u yarg Arda s|ap|ar ada|ar uarg ru|a (0P) yarg o|asarya
se||lar 20 - 30 dar| rarga rurar. 3e|ararg |r| pergeroarg ada juga yarg reroer||ar las|||las |er|rgarar peroayarar uarg ru|a o|sa d|c|c||, oar|ar
ada yarg o|sa 12 |a|| c|c||ar. 3|sa dar| rarga rurar (Z0 - 80) yarg rarus d|oayar per ou|ar. usara|ar c|c||ar yarg d|oayar per ou|ar jargar re|eo|r| 1/3 dar|
gaj| Arda sel|ap ou|arrya, dar seoa||rya aro|| KPR urlu| jarg|a Wa|lu 10 larur r|rgga 15 larur. Cara |r||ar yarg pa||rg arar ser|rgga l|da| sarpa|
rerggerus |euargar Arda.
Va|a |arg|ar perlara yarg rarus Arda s|ap|ar ada|ar reraourg|ar sel|ap ou|ar urlu| rerpers|ap|ar uarg ru|a rurar. Car||ar rurar dg rarga yarg
lerjarg|au o|er pergras||ar Arda. larya per|u d|perl|roarg|ar rarga rurar sel|ap larur rerga|ar| |era||ar 10 - 20 , ra|a Arda juga rarus
rerg|a||u|as| oerapa dara yarg rarus Arda laourg dar da|ar jarg|a Wa|lu oerapa |ara r|rgga uarg ler|urpu|. 3ele|ar uarg ru|a ler|urpu|, oaru|ar
Arda ru|a| reroual perercaraar c|c||ar perou|ar yarg rarus Arda s|ap|ar. 0er|||ar, se|aral rercar| rurar dar seroga oerras||. Arrad 0oza||
KEUANCAN KELUARCA
(3Tu0l KA3u3) 8e||a w --- 8ardurg
Voa| V||e R|r| yg oa||, saya rau larya dorg.
3aya oaru rer||ar ||ra-||ra l|ga ou|ar, ras|r reoerg d| rurar rerlua, saya purya c|c||ar rurar yarg 0P-rya d|oayar suar| saya Wa|lu oe|ur rer||ar dar
c|c||arrya saya yarg oayar l|ap ou|ar dar| oaru ru|a| c|c|| sarpa| se|ararg. 3ele|ar rer||ar, |ar| oe|| lerpal usara, d|laroar sed|||l uarg saya urlu|
rercu|up|.
Nar, |arera oe|ur ada perge|uarar yarg |e||ralar alau rul|r, l|ap ada uarg |eo|r dar| gaj| saya alau usara suar|, saya & suar| se|a|u s|rpar d| salu
re|er|rg oersara, sedarg|ar saya purya re|er|rg serd|r| urlu| saya pa|a| uargrya, dar suar| purya re|er|rg serd|r| urlu| rerja|ar|ar usara d|a.
Apa|ar |lu pergalurar |euargar yarg seral? 8aga|rara |a|o rarl| sudar ada perge|uarar rul|r r|sa|rya urlu| |eper|uar ara|, dar seoaga|rya? 3|apa
yarg rarus oayar? 3uar| alau oerdua? Alau oaga|rara seoa||rya?
Karera ||la sudar sepa|al, yarg alur uarg ada|ar saya, rarusrya pergras||ar ou|arar serua d|serar|ar pada saya & saya yarg alur. Tap| oaga|rara |a|o
s|luas|rya suar| ada|ar usara serd|r|, ou|ar |erja? Jad|rya |ar pergras||ar l|da| lelap dar l|da| ou|arar.
8aga|rara yar? Ter|ra |as|r.
Jawaban:
la|o lou 8e||a,
3erarg se|a|| rerdergar arda dar suar| sudar ru|a| rerasa|ar perl|rgrya perge|o|aar |euargar |e|uarga. Karera ou|ar saja oadar ||la yarg rarus
seral, lelap| ||la juga rarus seral secara l|rars|a|, apa|ag| j||a sudar oer|e|uarga dar purya ara|. 8|aya |eoulurar r|dup a|ar sera||r oerlaroar dar| larur
|e larur, dar j||a l|da| d|alur dg oa|| ra|a perge|uarar-perge|uarar |r| o|sa l|da| ler|orlro| dar a|ar rerggerogol| |ord|s| |eseralar |euargar arda.
Kel||a oero|cara rergera| perge|o|aar |euargar |e|uarga, ra|a suar| dar |slr| ada|ar salu |esaluar. 3er|rgga saya ||ral perge|o|aar |euargar |e|uarga
arda sudar lepal. 0| rara sudar ada |esepa|alar s|apa yarg rerjad| persor |r crarge/perarggurgjaWao ya|lu arda.
urlu| peroayarar c|c||ar KPR juga sudar d|lelap|ar oarWa arda|ar yarg a|ar reroayarrya l|ap ou|ar dar| pergras||ar arda. Kerud|ar arda oerdua juga
sudar reroual re|er|rg lerp|sar urlu| rero|aya| pos perge|uarar |rusus, r|sa|rya re|er|rg pr|oad| arda urlu| perge|uarar pr|oad| arda, re|er|rg suar|
urlu| usararya dar |eoulurar pr|oad|rya, re|er|rg |rveslas| urlu| rery|rpar |e|eo|rar pergras||ar arda dar suar|.
Terus|ar|ar rerggura|ar po|a pergalurar |euargar seperl| |r|. 3arar saya, j||a sualu saal rarl| r|dup p|sar dar| rerlua, alau rerpurya| ara|, ra|a
|eoulurar r|dup a|ar oerlaroar oesar. Karera |lu d|oulur|ar salu |ag| re|er|rg |rusus urlu| perge|uarar alau oe|arja rar|ar alau ou|arar. Perge|uarar
seperl| ra|arar, ||slr||, le|por, re|reas|, asurars|, oayar|ar dar| re|er|rg |r|. J||a arda rasa re|er|rg perge|uarar |r| o|sa d|salu|ar dg re|er|rg pr|oad| arda,
ra|a |a|u|ar|ar. Telap| j||a ra|ar rerggarggu perge|uarar pr|oad| arda, ra|a p|sar|ar|ar.
Nar, saal |r| arda dar suar| sudar rer||||| re|er|rg |rveslas| seperl| yarg saya seoul d| alas. Narur re|er|rg |rveslas| |r| oe|ur laru rau d|gura|ar urlu|
apa. Karera |lu lelap|ar|ar sualu lujuar |euargar, d| rara |rveslas| yarg arda |a|u|ar oerlujuar urlu| rercapa| lujuar |euargar yarg le|ar d|lelap|ar.
V|sa|rya, |rveslas| urlu| rerpers|ap|ar dara perd|d||ar ara|. 0er|||ar pu|a ra|rya j||a arda rerpurya| lujuar |euargar yarg |a|r, ou|a|ar re|er|rg
|rveslas| lerserd|r| urlu| rercapa| lujuar |euargar yarg |a|r. Per|u arda |elaru| juga oarWa yarg d|ra|sud re|er|rg |rveslas| l|da| se|a|u laourgar alau
depos|lo d| oar|, lelap| arda o|sa rerggura|ar produ| |rveslas| |a|rrya r|sa|rya re|sa dara alau sarar.
3e|aral rerge|o|a |euargar |e|uarga. V||e R|r|
K0HP08|8| AL0KA8| PEN0APATAN
(3Tu0l KA3u3) 3e|aral s|arg Pa| 0oza||. 3aya rau larya sed|||l r|r.
8eg|r|. Prol|| saya ada|ar soo: KaryaWar sWasla, perdapalar Z jl-ar, ara| dua (3 dar 11 larur), |slr| l|da| oe|erja. Perge|uarar lelap perou|ar d| |uar oe|arja
ou|arar ada|ar urlu| c|c||ar roo|| dar prer| asurars|, yarg lola|rya se||lar 20 dar| perdapalar. Keoerar|ar rergaro|| res||o = sedarg saja.
Perlaryaar:
1. 0g prol|| seperl| |r|, |orpos|s| a|o|as| perdapalar saya sudar oa|| alau oe|ur?
2. Korpos|s| a|o|as| perdapalar yarg oeres||o roderal ururrya seperl| apa?
0er|||ar perlaryaar saya. Ter|ra |as|r ala jaWaoar 8apa|.
Jawaban:
la|o pa| Ardre,
Ve||ral |ord|s| |euargar Arda, |ar| p|||r ras|r da|ar oalas yarg cu|up Wajar |o| pa|. Tap| saya rarya re||ral dar| s|s| peroayarar rularg saja ya pa|,
|arera Arda sara se|a|| l|da| rery|rggurg rergera| laourgar rul|r Arda ada alau l|da|.
8|asarya s|r, c|c||ar rularg per ou|ar yarg d||ala|ar cu|up seral ada|ar d|oaWar 30. llu ada|ar urlu| serua c|c||ar lerrasu| d|da|arrya KPR, |red|l
|erdaraar, dar |arlu |red|l. urlu| |eoulurar sos|a| 2,5 sarpa| dg 10. urlu| laourgar r|r|ra| 10. 0ar s|sarya ada|ar urlu| |eoulurar rul|r yarg
oers|lal |orsurl|l. Jad| dar| 100 pergras||ar Arda, a|o|as|rya ada|ar:
2,5-10 : urlu| |eper|uar soc|a|
ra|s|ra| 30 : urlu| c|c||ar ou|arar
r|r|ra| 10 : urlu| laourgar dar prer| asurars|
s|sarya (50) : urlu| |eoulurar |orsurl|l ou|arar
Palo|ar |r| lerlurya l|da| oa|u, |arera sel|ap |e|uarga ler|adarg rer||||| |are|ler|sl|| yarg oeroeda dar l|e|s|oe|. Arrad 0oza||
K0NTRAK RUHAh 0AN 6|6|LAN H0T0R
(3Tu0l KA3u3) 3aya dar suar| sara-sara oe|erja. Ka|au d|lola|, pergras||ar |ar| sel|ap ou|ar Rp2.500.000. 0a|ar Wa|lu de|al, |ar| |rg|r |orlra|
rurar dar c|c|| rolor. Yarg |rg|r saya larya|ar, oerapa oujel urlu| |orlra| dar c|c||ar yarg o|sa |ar| aro||.
llu saja. 3aya lurggu so|us| dar| Arda. Ar| Yu||ard|r| --- Ja|arla T|rur
Jawaban:
Voa| Ar|,
0g pergras||ar lola| oerdua seoesar Rp 2,5 jula, saya sarar|ar agar Arda rerg|red|l rolor dg c|c||ar yarg l|da| |eo|r dar| Rp 850.000 per ou|arrya. 8ar|ar
|a|au o|sa, jur|ar |lu sudar lerrasu| o|aya urlu| 88V dar peraWalarrya, ou|ar rarya c|c||arrya saja. la| |r| o|sa Arda |a|u|ar dg reroayar uarg ru|a
yarg cu|up oesar, jargar rarya oayar uarg ru|a yarg r|r|ra| saja |arera c|c||arrya o|sa jad| ler|a|u rara|.
3er|rgga Arda pur ras|r o|sa rergorlra| rurar dg o|aya yarg l|da| jaur dar| jur|ar lad|. la| |r| rerg|rgal Arda sudar a|ar rergrao|s|ar 30
pergras||ar urlu| rerc|c|| rolor, ra|a s|sarya yarg Z0 o|sa d|a|o|as||ar 30 |ag| urlu| seWa rurar. 0ar s|sarya yarg 10 urlu| |eoulurar r|dup.
Keoulurar r|dup 10 lad| d|oag| |ag| 30 urlu| |eper|uar |orsurl|l ou|arar, dar yarg 10 o|sa Arda pa|a| urlu| laourgar rul|r. 0g |ord|s| arus |as yarg
cu|up |elal, Arda per|u rer||||| dara cadargar j||a lerjad| sesualu. Nar, yarg 10 |r| o|sa d|jad||ar seoaga| dara cadargar alau urlu| peroe||ar oararg-
oararg yarg s|lalrya l|da| rul|r. 0er|||ar roa| Ar|, sa|ar saya urlu| suar| Arda. Arrad 0oza||
LANCKAh PEREN6ANAAN ANCCARAN KEUANCAN KELUARCA
{$Tu0l r/$u$j Ke|uarga Ard| dar |slr|rya Ar|la, |eduarya oe|erja. 0g dua| perdapalar, rere|a dapal r|dup |aya|. Peruoarar l|rou| dg sera||r
oerlurourrya |e|uarga rere|a, dar| rarya salu ara| lerus oerlaroar rerjad| l|ga.
Vasyara|al ||la pada ururrya re||ral oarWa ara| ada|ar oer|ar dar| yarg Vara Kuasa. Tap| yarg rarus juga d|perral||ar oarWa Arda rarus rery|ap|ar
oeroaga| |eoulurarrya. 8||a l|da| ada perercaraar yarg oer|es|rarourgar |russurya perercaraar arggarar |e|uarga, a|ar sargal su||l urlu| lelap dapal
r|dup |aya| larpa gargguar perrasa|arar |euargar.
Verurul reral |ar|, arggarar perdapalar dar oe|arja |e|uarga (AP8K) rerupa|ar jarlurg dar| seouar perercaraar yarg oa|| dar ele|l|l. Kar| re||ral
oarWa arggarar yarg d|perr|lurg|ar secara oerar a|ar rera|s|ra||ar |eleroalasar perdapalar gura rercapa| se|urur sasarar raupur lujuar |euargar
jarg|a parjarg.
Terdapal erar |arg|ar pra|l|s yarg seoa||rya Arda |a|u|ar seruourgar dg proses perercaraar arggarar.
Perlara, rererlu|ar sasarar dar lujuar |euargar |e|uarga. Kedua, rerdala u|arg serua |rlorras| rergara| |euargar |e|uarga. Kel|ga, reroual dar
rergeroarg|ar perercaraar arggarar. Keerpal, ara||s|s perercaraar yarg oaru saja Arda oual. Ke||ra, |a|sara|ar perercaraar arggarar sesua| ras||
ara||s|s. Ter|ar|r, l|rjau u|arg perercaraar dar |orlro| arggarar, ser|rgga lelap pada ja|ur perercaraar yarg le|ar d|oual.
Penentuan 8asaran
Larg|ar aWa| dar| seouar perercaraar arggarar ada|ar pererluar sasarar serla lujuar |euargar rasa depar. Corlor dar| seouar sasarar ada|ar
rer|rg|al|ar |erarpuar alau l|rg|al reraourg |euargar |e|uarga. 3asarar |euargar |eo|r rer|l|| oeral|ar |epada lujuar-lujuar jarg|a perde|.
3asarar |r| o|sa d|||ral dar| ras|| ara||s|s |aporar |euargar yarg le|ar Arda oual d| aWa| proses perercaraar |euargar |e|uarga. V|sa||ar dar| ras|| ara||s|s
aWa|, l|rg|al ularg jarg|a perde| yarg Arda dar |e|uarga r||||| cu|up l|rgg| ser|rgga Arda rerulus|ar urlu| rerecar|ar ra| |r| da|ar jarg|a Wa|lu
yarg |eo|r s|rg|al. Alau dar| |aporar |e|ayaar ler|derl|l||as| oarWa perge|uarar ou|arar |e|uarga ser|rg |a|| re|eo|r| perdapalar. 3er|rgga urlu|
rerulup|rya rarus d|aro|| dar| laourgar alau s|rparar |e|uarga.
Perrasa|arar |r| o||a d|o|ar|ar oer|arul o|sa rerusa| |eslao||ar lalarar |euargar |e|uarga. 3er|rgga Arda rerulus|ar urlu| rerev|s| alau rergara||s|s
|eroa|| perge|uarar yarg Arda dar |e|uarga |a|u|ar sel|ap ou|ar.
8|asarya dg re|a|u|ar peroualar |aporar arus |as, ra|a Arda dapal re||ral dar rergara||s|s perge|uarar-perge|uarar yarg d||a|u|ar sel|ap rar| se|ara
seou|ar, |rususrya perge|uarar yarg l|da| lelap. Perge|uarar lelap, seperl| c|c||ar |red|l rurar l|da| dapal Arda |urarg|. 3edarg|ar perge|uarar-
perge|uarar l|da| lelap seperl|, o|aya le|epor. Alau o|aya r|ourar |e|uarga, dapal d||urarg| o||a d|per|u|ar. 8|aya le|epor o|sa saja d|oalas| dg rergarjur|ar
sel|ap arggola |e|uarga urlu| oero|cara seper|urya.
8|aya r|ourar dapal saja d||urarg| o||a Arda re||ral perge|uarar urlu| ra| |r| sargal l|rgg| d|oard|rg|ar dg perge|uarar |a|r. la| |r| rarya o|sa Arda
|a|u|ar o||a Arda re||ral perl|rgrya percapa|ar lujuar |euargar rasa depar |e|uarga yarg d|r|||||.
Tujuar |euargar yarg le|ar Arda lelap|ar dar rasu| da|ar s|a|a pr|or|las ulara, rarus d||a|u|ar a|o|as| gura rercapa|rya. Keoulurar a|ar a|o|as| dara
rarus d|perr|lurg|ar ler|eo|r daru|u. 3er|rgga oesarrya a|o|as| dara dapal d|rasu||ar da|ar perercaraar arggarar rerye|urur. Pererluar lujuar
|euargar rarus rea||sl|| dar leru|ur dg |ord|s| |euargar Arda dar |e|uarga.
0ata Keuangan Ke|uarga
Larg|ar |edua da|ar rergeroarg|ar arggarar |euargar |e|uarga ada|ar rergurpu||ar dala |euargar |e|uarga. Karera perercaraar arggarar
rerupa|ar proye|s| perdapalar dara perge|uarar |e|uarga urlu| rasa depar, ra|a |rlorras| dar| |aporar |euargar, oa|| |aporar |e|ayaar dar |aporar
arus |as rerupa|ar |rlorras| aWa| yarg oergura.
0|laroar |ag|, |eoulurar a|ar perge|uarar rasa depar, lerlurya a|o|as| urlu| lujuar |euargar |e|uarga juga rarus d|rasu||ar da|ar perr|lurgar.
E|spe|las| perdapalar juga rarus rasu| da|ar peroualar perercaraar arggarar. 3alu ra| perl|rg yarg rarus Arda perl|roarg|ar juga ada|ar
rery|ap|ar dara darural. 0| rara pos |r| rerupa|ar dara urlu| oerjaga-jaga o||a |eadaar la| lerduga lerjad|.
0a|ar seouar perercaraar arggarar, oesarrya dar Wa|lu dara lerseoul d|oulur|ar, rerjad| sargal perl|rg. 0a|ar seouar perercaraar arggarar, da|ar
salu per|ode r|sa||ar salu larur, secara rerye|urur arggarar rerga|ar| surp|us. Tap| o||a d|||ral dar d|perr|lurg|ar ou|ar perou|ar rurg||r saja lerjad|
del|s|l da|ar oeoerapa ou|ar oerja|ar. la| |r| per|u d|perl|roarg|ar dara darural alau |ar| o|asa reryeoulrya seoaga| 'erergercy lurd.
Pos |r| l|da| rarya d|per|u|ar saal |ejad|ar erergercy lerjad| lap| juga o|sa d|arggar|ar urlu| rerulup| |e|urargar casr l|oW ou|arar. 0a|ar ra| |r| pa||rg
l|da| Arda rery|ap|ar arlara 3- ou|ar dar| |eoulurar perge|uarar ou|arar. 0a|ar peroualar perercaraar arggarar Arda seoa||rya juga re|a|u|ar
perr|lurgar arggarar ou|arar, |arera rurg||r saja da|ar ou|ar oerja|ar rerga|ar| |e|urargar yarg rarus d|lulup| dg dara cadargar yarg d|r|||||.
V|sa||ar, dar| perdapalar regu|ar |e|uarga, Arda rerg|derl|l||as||ar perdapalar dar| o|sr|s yarg se|ara |r| Arda |a|u|ar. Perdapalar lerseoul d|per||ra|ar
d|ler|ra pada ou|ar Jur| dar Ju|| dg jur|ar ras|rg-ras|rg Rp 20 jula dar Rp15 jula. Perdapalar |r| rarus Arda rasu||ar dar rerjad| oarar perl|roargar
da|ar reroual perercaraar arggarar.
Arggarar dar| perge|uarar juga sudar d|a|o|as||ar. 0ar| |aporar arus |as yarg Arda r|||||, |orpos|s| perge|uarar urlu| |eoulurar serla a|o|as| gura
rercapa| lujuar rarus d|rasu||ar. 0a|ar ra| peroa||ar jarg|a perde| rurg||r yarg rarus d||a|u|ar ada|ar rerperl|roarg|ar pererpalar |rveslas|
urlu| lujuar |euargar jarg|a perde| dar parjarg yarg d|r|||||. Corlor a|o|as| dara oerdasar|ar perr|lurgar urlu| rercapa| lujuar |euargar |e|uarga
yarg d|r|||||.
|Verpers|ap|ar uarg ru|a urlu| reroe|| rurar da|ar 3 larur |e depar. A|o|as| dara sel|ap ou|ar Rp 3 jula.
Verpers|pa|ar dara perd|d||ar urlu| ara|-ara| Arda. 8esarrya a|o|as| dara sel|ap ou|ar Rp 1,5 jula.
Verpers|p|ar dara urlu| rasa depar (rasa pers|ur). 8esarrya a|o|as| dara sel|ap ou|ar Rp 2 jula.
Perencanaan Anggaran
Peroualar perercaraar arggarar rerupa|ar pergurpu|ar serua e|spe|las| perasu|ar sel|ap ou|ar se|ara salu larur |e depar dar e|spe|las| serua
perge|uarar da|ar oerlu| laou|ar. 0| rara d| lergar dar| |aporar perercaraar rerupa|ar e|spe|las| perge|uarar ou|arar d| rara d|oag| da|ar dua oag|ar
perge|uarar lelap dar l|da| lelap. 0ar d| aWa| dar| |aporar arggarar pererpalar perasu|ar yarg d|ras|||ar sel|ap ou|arrya.
3urp|us raupur del|s|l sel|ap ou|ar dapal Arda ||ral dar| perr|lurgar e|spe|las| perdapalar sel|ap ou|ar dar perga|uarar yarg rarus d||e|uar|ar. Pada
oag|ar pa||rg oaWar Arda dapal re||ral 'erergercy lurd yarg d|s|ap|ar 8||a lerjad| del|s|l alau |ejad|ar la| lerduga da|ar ou|ar oerja|ar ra|a Arda dapal
rerulup|rya dg dara yarg lersed|a d| pos |r|.
Ana||s|s Perencanaan Anggaran
3ele|ar peroualar perercaraar arggarar, |aporar |r| rarus d|ara||s|s dg cerral. Perl|roargar dar| casr l|oW yarg lerjad|, oa|| surp|us raupur del|s|l rarus
d|perl|roarg|ar dg rasa|. Perercaraar arggarar yarg perlara d|oual rurg||r saja rerga|ar| peruoarar. V|sa||ar da|ar perercaraar arggarar
perlara, Arda rerperl|roarg|ar urlu| re|a|u|ar perja|ar |e 3uraoaya, rererua| |e|uarga d| sara pada ou|ar Apr||.
Tap| re||ral dar| del|s|l yarg lerjad| pada ou|ar |lu Arda rerulus|ar urlu| rerurdarya sarpa| ou|ar Jur|, d| rara e|spe|las| dar| ras|| o|sr|s yarg se|ara
|r| Arda |a|u|ar d|ler|ra.
He|aksanakan
Pada |arg|ar |r|, pe|a|saraar perercaraar arggarar rerupa|ar proses oeroperas|rya arggarar lerseoul. 0a|ar ra| |r| rurg||r Arda rerg|derl|l||as|
oeoerapa ra| yarg rurg||r dapal d||urarg| da|ar ra| perge|uarar l|da| lelap urlu| |eo|r rerlo|us|ar |epada lujuar |euargar yarg |eo|r parjarg. 0ar
lerlurya Arda a|ar lerus rerperral||ar perge|uarar urlu| erlerl|rerl yarg rere|a |a|u|ar sel|ap ou|arrya, d|usara|ar agar lelap pada ja|ur
perercaraar arggarar ser|rgga l|da| rerggarggu perge|urar |a|rrya.
3eo||rya Arda juga rergaWas| perge|uarar la| lerduga yarg rurg||r saja l|rou| |arera adarya |eoulurar oaru. 0g re|a|sara|ar perercaraar |r|, dapal
re||ral oeroaga| |eoulurar yarg rurg||r l|rou| dar lelap pada ja|ur yarg le|ar d|lelap|ar seoe|urrya.
Eva|uas| Perencanaan
Larg|ar a|r|r dar| proses perercaraar arggarar ada|ar rer|rjau u|arg dar rergorlro| pe|a|saraar perercaraar arggarar. 0a|ar ra| |r| Arda dar
|e|uarga oerusara agar perercaraar arggarar yarg le|ar d||a|sara|ar oerada pada oalasar alau a|o|as| yarg le|ar d|lelap|ar. Arda juga o|sa reryeluju|
oeoerapa ra|, seperl| o||a lerjad| dev|as| alau pery|rpargar yarg cu|up s||r|l||ar dar| perercaraar arggarar rarus d|seluju| o|er Arda dar pasargar Arda.
Arda juga rarus re||ral dar rerperl|roarg|ar |erurg||rar peruoarar, dg rergurarg| pos perge|uarar l|da| lelap o||a e|spe|las| perasu|ar yarg |eo|r
|ec|| dar| yarg Arda arl|s|pas| serla perge|uarar yarg |eo|r oesar dar| yarg le|ar d|arggar|ar. 8||a lerjad| d| rara perasu|ar yarg d|dapal |eo|r oesar dar|
e|spe|las| ra|a seoa||rya Arda lelap re|a|u|ar perge|uarar yarg le|ar d|arggar|ar, ser|rgga dg oeg|lu Arda rer||||| dara s|sa yarg |eo|r oesar urlu|
a|o|as| lujuar |euargar jarg|a parjarg |a|r.
0er|||ar|ar perjaoarar dar| proses yarg seoa||rya Arda |a|u|ar, o||a |rg|r rerercara|ar |euargar |e|uarga secara rerye|urur. 8||a rerarg ada
perlaryaar yarg rurg||r |rg|r d|larya|ar sepular ra| |r| alau |rg|r oer|orsu|las| |argsurg dg l|r |orsu|lar |ar| ra|a dapal d|larya|ar re|a|u| reda|s|
3|rar larapar. 3eroga cu|up reroer||ar rasu|ar oag| Arda dar |e|uarga.
HANAJEHEN CAJ|
(3Tu0l KA3u3) la|o lou V||e R|r|,
3aya |aryaWal| sWasla, 25 lr, gaj| saya 2, jula/ ou|ar. Ada oeoerapa ra| yarg |rg|r saya larya|ar:
1. 8|sa|ar |ou reroer||ar rurusar pergalurar uarg yarg |dea| perou|ar? V|sa|rya:
a. T|ap ou|ar saya reroayar d|r| saya serd|r| 20 urlu| d|laourg.10 urlu| ara|.
o. 8aga|rara reroag| Z0rya?
2. lrveslas| apa|ar yarg arar, rergurlurg|ar dar o|sa d|jarg|au dg uarg 200 r|ou - 500 r|ou/ ou|ar?
3. Leo|r oa|| rara|ar, rergaro|| asurars| alau depos|lo?
1. 8aga|rara rer|||r produ| asurars| yarg oa||?
Voror raal j||a perlaryaarrya oarya|. Ter|ra |as|r alas |esed|aar lou rerjaWao perlaryaar saya. w|dya
Jawaban:
la|o 8u w|dya,
lrl| dar| seouar s|s|ler perge|o|aar |euargar seseorarg ada|ar agar dar| pergras||ar seseorarg lerseoul se|a|r d|gura|ar urlu| |eoulurar operas|ora|
serar|-rar| rarur juga rarus ada yarg d|s|s|r|ar urlu| laourgar rasa depar. 0ar| pergras||ar seseorarg ra|a l|ap ou|arrya pergguraar pergras||ar
lerseoul d|oag| rerjad| 1 pos perge|uarar ya|lu:
a. Pos penge|uaran c|c||an hutang, ra|s|ra| 30 dar| pergras||ar per ou|ar
o. Pos untuk tabungan dan |nvestas|, r|r|ra| 10 dar| pergras||ar perou|ar
c. Pos pembayaran prem| asurans|, ra|s|ra| 20 dar| pergras||ar perou|ar
d. Pos penge|uaran untuk b|aya h|dup atau b|aya rumah tangga, ada|ar s|sarya dar| pergras||ar Arda sele|ar d||urarg| |e 3 pos perge|uarar yarg
|a|r.
8erdasar|ar pr|or|lasrya ra|a pos perge|urar yarg rarus d|oayar ler|eo|r daru|u ada|ar j||a Arda rerpurya| |eWaj|oar rularg dar c|c||ar rularg, ra|a
pos perge|uarar |r||ar yarg rarus d|ulara|ar, dg |ala |a|r jargar pergras||ar Arda |eouru rao|s du|uar seoe|ur reroayar c|c||ar rular. Pada saal c|c||ar
rularg |r| ada jalur lerporya ra|a oayar|ar seoe|ur jalur lerpo agar l|da| d||era|ar derda. J||a Leo|r oa|| |ag| rerarg j||a Arda l|da| rerpurya|
c|c||ar rularg seoao se|arjulrya Arda |argsurg saja reroayar selorar laourgar dar |rveslas|, dar jur|ar yarg d|oayar urul| laourgar & |rveslas| lerlurya
o|sa sera||r oesar sera||r oa||. J||a |e dua pos perge|uarar |r| sudar leroayar ra|a s|sa pergras||ar ||la o|sa d|gura|ar urlu| reroayar prer| asurars|
dar o|aya rurar largga |a|r. J||a o|aya |eseralar Arda oe|ur d|larggurg perusaraar lerpal oe|erja ra|a seoa||rya Arda rergcover d|r| Arda dg
asurars| |eseralar, oeg|lu juga j||a Arda sudar rer||||| rurar alau |erdaraar jargar |upa d|asurars||ar.
Narur urlu| asurars| j|Wa, se||rarya Arda ras|r |ajarg dar oe|ur rerpurya| larggurgar ra|a oe|ur per|u rer||||| asurars| j|Wa. Pos perge|uarar
lera|r|r ada|ar perge|uarar pr|oad| alau perge|uarar operas|oar| seperl| lrarsporlas|, pa|a|ar, |osrel||, dar |a|r |a|r.
lrveslas| l|da| se|a|u rara| alau reroulur|ar sejur|ar dara yarg oesar, seoao ada oeoerapa produ| |rveslas| yarg o|sa d|oe|| dg selorar |rveslas| yarg
cu|up rurar. V|sa|rya Arda o|sa reroe|| eras dg rarga ralusar r|ou saja ou|ar ? Eras o|sa rerjad| seouar |rveslas| seoao ada |era||ar rarga yarg o|sa
||la r||ral| d| rasa depar. Arda juga o|sa reroe|| Re|sadara dar| perusaraar rarager |rveslas|. Re|sa 0ara ada|ar sualu oerlu| |rveslas| dg cara
rergr|rpur dara dar| rasyara|al urlu| se|arjulrya d|a|o|as||ar |e da|ar oeroaga| |rslrurer |rveslas| o|er Varajer lrveslas| yarg le|ar rerdapal |j|r dar|
8apepar. Porllo||o |rveslas| dar| Re|sa 0ara dapal lerd|r| dar| oeroaga| racar |rslrurer sural oerrarga seperl| sarar, oo||gas|, |rslrurer pasar uarg, alau
carpurar dar| |rslrurer |rslrurer d|alas. 3aal |r| ada Re|sadara yarg o|sa d|oe|| dg rarga Rp 250 r|ou saja.
Narur per|u Arda parar| oarWa sel|ap |eg|alar |rveslas| oer||ul produ| |rveslas|rya pasl| rerpurya| r|s||o. 3era||r l|rgg| r|s||orya sera||r l|rgg| pu|ar
relurr |rveslas| dar oeg|lupu|a seoa|||rya. Jad| l|da| ada produ| |rveslas| yarg arar 100 seoao rergardurg r|s||orya ra|srg-ra|srg.
3aal |r| produ| asurars| juga d||eras seoag| oerlu| produ| laourgar, jad| orarg oerasurars| se|a||gus reraourg. 0g der|||ar Arda seperl| reroe|| produ|
2 |r 1, oag|ar prer| asurars| dar oag|ar laourgar. 3edarg|ar depos|lo 100 ada|ar produ| s|rparar d| oar|. Log||arrya asurars| yarg rergardurg
laourgar ra|a relurr |rveslas|rya |urarg |eo|r sara dg laourgar. 3edarg|ar pada depos|lo lerlurya Arda rerdapal relurr ras|| |rveslas| sesua| dg
ourga depos|lo yarg oer|a|u. Pada asurars| Arda ra|a dar| l|ap prer| yarg d|oayar, j||a Arda rau rerar|| uargrya |eroa|| ra|a prer| yarg sudar
d|selor|ar l|da| seruarya o|sa Arda dapal|ar |eroa||, sedarg|ar pada depos|lo serua uarg yarg sudar Arda selor|ar o|sa Arda dapal|ar |eroa||.
3arar saya j||a Arda rarya |rg|r oer|rveslas| |eo|r oa|| reroe|| produ| |rveslas| ou|ar produ| asurars|.
J||a Arda |rg|r reroe|| asurars| ra|a yarg pa||rg ulara rarus d|dasar|ar pada adarya |eoulurar urlu| rergarl|s|pas| r|s||o lerlerlu. 3eperl| le|ar saya
lerarg|ar seoe|urrya rergera| |eoulurar oerasurars|. J||a oe|ur ada |eoulurar urlu| rergarl|s|spas| r|s||o lerlerlu seperl| r|s||o |eseralar, r|s||o
|erug|ar rarla oerda alau r|s||o |eral|ar ra|a oe|ur per|u reroe|| asurars|. J||a |eoulurar |r| sudar ada ra|a se|arjulrya Arda o|sa rer|||r produ|
asurars| yarg rurr| asurars| alau reroe|| produ| asurars| carpurar yarg rergardurg ursur laourgar & |rveslas|. 3e|a|r |lu repulas| dar| perusaraar
asurars|rya juga per|u Arda perl|roarg|ar. urlu| |lu oarya|-oarya||ar rergga|| |rlorras| rergera| perusraar asurars| oeserla produ| asurars|rya
seoe|ur rergaro|| |epulusar urlu| reroe||rya. l|rdar| reroe|| sualu produ| asurars| raupur produ| |rvesals| yarg oe|ur Arda rergerl|.
3e|aral oer|rveslas|. V||e R|r|
HANAJEHEN KEUANCAN
(3Tu0l KA3u3) 8arr| Kara| --- Ja|arla
3a|ar sejarlera oual pergasur o|ro |orsu|las|. 3aya seorarg |epa|a rurar largga dar oe|erja d| sa|ar salu perusaraar sWasla. 8aga|rara cara rergalur
|euargar yarg oa|| |arera se|ara |r| saya ser|rg rerga|ar| rasa|ar |euargar |e|uarga |arera saya |urarg parda| rergalurrya. Ter|ra |as|r.
Jawaban:
la|o Pa| 8arr|,
3e|ara |r| rurg||r Arda lero|asa rerggura|ar pergras||ar lerulara rarya urlu| rero|aya| |eoulurar-|eoulurar rerdesa| jarg|a perde|, seperl|
oe|arja ou|arar, uarg se|o|ar ara|, le|por, ||slr||, lrarsporlas| |e lerpal |erja, dar |a|r-|a|r. Padara|, |eoulurar |e|uarga seoelu|rya l|da| rarya |lu.
Keoulurar |e|uarga yarg ser|rg |urarg d|p|||r|ar o|asarya ada|ar |eoulurar jarg|a parjarg yarg rarus d|perur| d| |erud|ar rar|. V|sa|rya perd|d||ar
ara|, pers|ur, reroe|| rurar alau |erdaraar, dar oarya| |ag| |a|rrya. 8|asarya ||la l|da| o|sa segera rererur| |eoulurar seracar |r|, ser|rgga ||la
per|u Wa|lu urlu| rery|ap|ar dararya ler|eo|r daru|u dg cara reraourg dar oer|rveslas|.
Arda rurg||r sudar rerpurya| rercara perge|o|aar |euargar jarg|a perde| dar jarg|a parjarg seperl| lerseoul d|alas. Narur Arda rerasa po|a
perge|o|aar |euargar |e|uarga yarg Arda ja|ar|ar saal |r| |urarg oerras|| |arera ras|r saja l|rou| |esu||lar yarg reryeoao|ar oeroaga| rasa|ar.
Vasa|ar |euargar |r| r|sa|rya del|s|l arggarar oe|arja, l|da| o|sa reraourg, lerjeral rularg, dar |a|r seoaga|rya. 3e|a|r |lu urlu| rerpers|ap|ar
|eoulurar jarg|a parjarg rurg||r |urarg ralarg dar |erg|ap. V|sa|rya rarya rerpers|ap|ar |rveslas| urlu| perd|d||ar ara| saja padara| pa||rg l|da|
rarus d|pers|ap|ar juga oaga|rara rerpers|ap|ar pers|urrya. lrveslas| |lupur d||a|u|ar larpa rergelaru| apa|ar dara lerseoul a|ar rercu|up|
rarl|rya. Agar l|da| lerjeoa| da|ar rasa|ar |r| dar o|sa rergalur |euargar dg oa||, ra|a seseorarg per|u rergelaru| se|u| oe|u| rasa|ar |euargar
|e|uarga. Narur ser|rg lerjad| orarg l|da| rergelaru| se|u| oe|u| perercaraar |e|uarga |arera |urargrya pergelaruar lerlarg perercaraar |euargar.
we||, urlu| rergalas| rasa|ar |r| ru|a||ar perercaraar |euargar |e|uarga Arda dg cara reroual arggarar oe|arja secara rul|r ler|eo|r daru|u. Arggarar
oe|arja alau oudgel|rg alau arus |as ya|lu calalar perasu|ar dar perge|uarar rul|rou|arar Arda.
Perasu|ar lerd|r| dar| pergras||ar Arda dar |slr| ya|lu gaj|, oorus, |or|s|, ourga depos|lo, dar |a|r seoaga|rya. 3edarg|ar urlu| perge|uarar, ra|a oag||ar
rerjad| 1 pos perge|uarar yarg d|pr|or|las|ar, ya|lu:
1. Pos penge|uaran c|c||an hutang:
8ayar|ar |eWaj|oar rularg Arda ler|eo|r daru|u, seoe|ur reroayar perge|uarar yarg |a|r, |arera j||a ler|aroal Arda o|sa ler|era pera|ly juga
ourgarya lerus oerja|ar. Jaga|ar lola| c|c||ar rularg ou|arar Arda agar l|da| |eo|r dar| 30 dar| pergras||ar Arda, ser|rgga s|sa pergras||ar arda
ras|r cu|up urlu| reroayar |eoulurar r|dup |a|rrya.
2. Pos penge|uaran untuk setoran tabungan & |nvestas|:
3ele|ar reroayar c|c||ar rularg alau j||a Arda oe|ur rerpurya| rularg d|rarapur, ra|a pr|or|las|ar|ar urlu| re|a|u|ar selorar |e laourgar
ler|eo|r daru|u. Karera j||a Arda rerurggu dar| s|sa gaj| oaru |erud|ar reraourg, o|sarya |ar l|da| ada s|sarya. usara|ar r|r|ra| selorar laourgar
|r| oesarrya 10 dar| pergras||ar Arda, |eo|r oesar |eo|r oa||.
3. Pos penge|uran prem| asurans|:
8arya| se|a|| r|s||o |euargar yarg o|sa d|a|ar| seouar |e|urga, r|sa|rya r|s||o |eral|ar, |eseralar, juga |erug|ar rarla oerda. Terjad|rya r|s||o-r|s||o
|r| o|sa rer|rou||ar |erug|ar l|rars|a|. Arl|s|pas||ar r|s||o |erug|ar yarg rurg||r l|rou| dg reroe|| asurars|.
1. Pos penge|uaran rumah tangga:
Te|por, ||slr||, ra|arar, pa|a|ar, lrarsporlas|, re|reas| ada|ar pr|or|las perge|uarar lera|r|r |arera jur|ar l|e|s|oe|, o|sa d||urarg alau d|laroar sesua|
dg |eoulurar. lrl| dar| oudgel|rg ada|ar agar perge|urar Arda se|a|u |eo|r |ec|| dar|pada perasu|ar. 3eoao j||a perge|uarar Arda |eo|r oesar dar|pada
perasu|ar Arda, pasl| a|ar lerjad| del|s|l. A||oal del|s|l |r|, ra|a o|sa lerjad| ada perge|uar |e|uarga yarg l|da| leroayar. urlu| reruluprya, o|sa-o|sa
reryeoao|ar Arda oerrularg. 3e|aral rerge|o|a |euargar |e|uarga. V||e R|r|
HANAJEHEN 8E0ERhANA UNTUK wARUNC
(3Tu0l KA3u3) Pa| 0oza||, saya oaru reru|a| usara |ec||-|ec||ar, ou|a Warurg |ec||-|ec||ar. Verjua| oararg |er|rgar seperl| ro|o|, jajarar ara|,
seroa|o, d||. sarpa| se|ararg saya ras|r o|rgurg, oaga|rara reroual sualu |aporar urlurg rug| usara saya lerseoul. Karera |lu ada|ar palo|ar juga s|r
oual saya, urlu| rererlu|ar oagus ergga|rya usara lerseoul. larya |lu saja du|u. Va|as|r alas perral|arrya. Cecep
Jawaban:
Vererlu|ar urlurg rug| sualu usara o|asarya o|sa d||a|u|ar dg dua cara. Perlara ya|lu dg rergr|lurgrya secara |as/lura|. 0ar yarg |edua ya|lu dg
rergr|lurg |eurlurgar sesurggurrya dg relode a|rua|.
urlu| reloda pergr|lurgar secara lura|, saya rasa rudar saja cararya. Ya|lu dg rergr|lurg oerapa uarg rasu| se|ara salu pe|ar alau salu ou|ar. 0ar
d||urarg|ar dg uarg |e|uar se|ara per|ode yarg sara. Alau dg rergr|lurg oerapa |as yarg lers|sa d| a|r|r pe|ar alau a|r|r ou|ar. l|lurg rarya uarg |as
yarg rerarg d||e|uar|ar dar d|dapal|ar yarg oer|a|lar dg usara saja. urlu| perge|uarar pr|oad| lerlurya l|da| ||ul d|r|lurg. Cara |r| cu|up rudar dar
ele|l|l d|gura|ar urlu| usara |ec|| yarg sudar rapar. Tap| cara |r| l|da| se|a|u lepal |arera l|da| serua uarg |e|uar urlu| o|aya reroe|| oararg |eroa||
yarg sara jur|arrya. Terulara urlu| usara yarg sedarg oer|eroarg ar lerus reraroar oararg dagargar, o|asarya l|da| ada uarg lura| yarg lers|sa
Wa|aupur usararya rergurlurg|ar.
0g relode a|rua|, Arda per|u rer||||| calalar perjua|ar dar peroe||ar yarg oa||. Perlara ada|ar dg rergr|lurg oerapa dar oararg apa saja yarg lerjua|
da|ar salu ou|ar. La|u d||urarg| dg roda| urlu| reroe|| oararg-oararg yarg lerjua| lerseoul. llu ada|ar |eurlurgar |olor dar| perjua|ar. Keurlurgar |olor
|r| d||urarg| |ag| o|aya-o|aya seperl| seWa lerpal, ||slr|| dar seoaga|rya. llu|ar |eurlurgar oers|r Arda. Kesu||lar da|ar rerggura|ar relode |r| ada|ar
Arda per|u laru pers|s oararg yarg lerjua| da|ar salu ou|ar dar roda| peroe||arrya.
Narur urlu| usara |ec||, saya sarar|ar agar rerggura|ar relode a|rua| dg per||raar saja. Ya|lu dg rererlu|ar oerapa rarg|r |eurlurgar yarg
o|asarya d|aro|| o|er pedagarg. V|sa|rya urlu| ro|o|, o|asarya pedagarg rera|||ar rarga 10. 3edarg|ar urlu| jajarar yarg |a|r, pedagarg rera|||ar
rarga 20. Ka|au arg|a |r| sudar d||elaru|, l|rgga| r|lurg saja oerapa perjua|ar ro|o| dar oararg dagargar |a|rrya da|ar seou|ar |a|u |a|||ar dg Arg|a
lad|. llu|ar |eurlurgar |olor Arda. urlu| rergr|lurg |eurlurgar oers|r, l|rgga| d||urarg|ar |ag| dg o|aya |a|rrya Arrad 0oza||
HAU REN0VA8| RUHAh
(3Tu0l KA3u3) 0ear Pa| 0oza||, saya oerr|al rerurlas|ar rerovas| rurar yarg d|per||ra|ar a|ar rere|ar o|aya r|r|ra| 50 jula rup|ar, sedarg|ar saya
ras|r purya oeoerapa lag|rar |arlu |red|l (lola| c|c||ar per ou|ar se||lar 3,5jl) padara| gaj| saya cura Z,8jl per ou|ar. Apa o|sa se|a||gus d||eo|r|ar saja aro||
|red|lrya jad| Z0jl ser|rgga saya o|sa reroual rularg saya rarya dar| salu oar| (asurs|: |arlu |red|l |uras dar| |eo|r yg 20jl) Ar|r 3yar|l l|dayalu||ar
Jawaban:
Verulup salu rularg dg rularg yarg |a|r, alau yarg o|asa d||era| dg |sl||ar ga|| |uoarg lulup |uoarg, rarya a|ar oa|| d||a|u|ar j||a rularg yarg oaru rer|||||
ourga |eo|r rerdar, jarg|a Wa|lu |eo|r parjarg, alau re|ar|sre peroayarar yarg |eo|r l|e|s|oe|.
3e|ararg ||la ||ral, apa|ar |red|l Arda yarg oaru |lu o|sa |eo|r rerdar ourgarya, |eo|r parjarg jarg|a Wa|lurya, dar |eo|r l|e|s|oe| dar| |arlu |red|l. J||a
jaWaoarrya ya, ra|a l|da| rergapa urlu| re|a|u|ar slraleg| |lu. Tap| |a|au |red|lrya sara saja dg |arlu |red|l, ra| |lu juslru a|ar reraroar o|aya yarg
rarus d||e|uar|ar.
Ka|au p|rjarar oaru |lu rerggura|ar s|era |red|l rerovas| rurar alau |red|l ru|l|gura, o|aya ourgarya s|r jaur |eo|r rerdar dar| |arlu |red|l. 0ar jarg|a
Wa|lurya o|sa d|aro|| sed|||l |eo|r parjarg, r|sa|rya 5 larur. 8eda ra|rya dg |arlu |red|l, Wa|aupur jarg|a Wa|lurya o|sa l|da| leroalas |arera ||la serd|r|
yarg rererlu|ar, lap| rularg |arlu |red|l yarg d||uras| |eo|r dar| 2 larur sudar l|da| el|s|er |ag| |arera ourgarya rerjad| sargal oesar. Tap| |a|au urlu|
rerovas| rurar |lu d|gura|ar |red|l larpa agurar, o|asarya ourgarya l|da| a|ar jaur oeroeda. Cooa oard|rg|ar oerapa c|c||ar yarg rarus Arda oayar j||a
re|uras| |arlu |red|l dg |red|l larpa agurar lerseoul.
Narur seoe|ur re|arg|ar |eo|r jaur, cooa |eo|r du|u eva|uas| |e|aya|ar |red|l Arda. 0g gaj| seoesar Rp Z,8 jula per ou|ar, seperl|rya Arda rarya a|ar
o|sa rerdapal|ar p|rjarar dar| oar| dg c|c||ar ou|arar yarg l|da| |eo|r dar| Rp 3 jula saja per ou|arrya. Vas|r |eo|r |ec|| dar| c|c||ar |arlu |red|l yarg
se|ara |r| Arda oayar|ar. Arl|rya, |ec|| |erurg||rar oar| a|arr reroer||ar p|rjarar sarpa| Rp Z0 jula dg jarg|a Wa|lu |urarg dar| 5 larur. urlu| |eo|r
rerasl||arrya, ce| ra| |r| pada oar| Arda. Arrad 0oza||
HEHEL| RUHAh ATA8 KRE0|T
(3Tu0l KA3u3) 3aya |r| seorarg |ou rurar largga & saal |r| sedarg rerg||ul| suar| yarg sedarg oe|ajar d| Auslra||a. J||a rarl| suar| saya se|esa|
re|arjul|ar slud|rya, |ar| a|ar pu|arg |e |rdores|a & oerercara urlu| rergorlra| alau reroe|| rurar. 3uar| saya lerlar|| urlu| reroe|| seouar rurar
serarga Rp. 150 jula re|a|u| c|c||ar, lap| saya |eo|r cerderurg urlu| rergorlra| rurar du|u sesua| dg |ord|s| |euargar yarg |ar| r||||| saal |r|. FYl, |ar|
rarya rer||||| uarg seoarya| RP. 80.000 jula.
Yarg jad| perlaryaar saya, apa|ar |ar| o|sa rer|rjar |red|l oar| seoarya| RP.3Z0 jula? Ka|au o|sa, oerapa ourga yarg rarus d|oayar da|ar seou|ar?
3arpa| oerapa |ara jarg|a Wa|lu yarg d|oer||ar? 3earda|rya p|rjarar yarg |ar| aju|ar ler|a|u oesar, ||ra-||ra oerapa rup|ar |red|l yarg o|sa |ar| aju|ar?
0ar apa persyaralarrya?
Alas perral|arrya saya ucap|ar ler|ra |as|r. 0|rar|za --- sydrey
Jawaban:
lou 0|rar|za, serarg juga oer|era|ar dg Arda. Vudar-rudarar lu||sar-lu||sar |ar| oerrarlaal urlu| Arda.
3e|a|r re||ral jur|ar laourgar Arda, seoelu|rya ada salu ra| |ag| yarg per|u d|perl|roarg|ar, ya|lu pergras||ar. Apa|ar suar| Arda sudar rer|||||
pergras||ar lelap se|eroa||rya dar| Auslra||a rarl|? Karera dar| s|lu|ar ||la o|sa re||ral seoerapa oesar c|c||ar yarg o|sa dar |aya| urlu| Arda.
Ka|au d|||ral se|||as dar| jur|ar s|rparar seoesar Rp 80jula, rurg||r largel peroe||ar rurarrya per|u d|rev|s|. Ya|lu rerggarl| largel rurarrya rerjad|
ser||a| ||ra-||ra 300 jula saja. Alau rerev|s| largel Wa|lurya rurdur se||lar salu larur sarpa| ler|urpu| dara |eo|r dar| 120jula.
urlu| jarg|a Wa|lurya o|sa d|p|||r 1 larur - 15 larur d|sesua||ar dg oesarrya c|c||ar yarg |aya|. 3edarg|ar oesarrya su|u ourga & persyaralarrya sudar
slardar peroar|ar d|rarapur rarp|r sara saja.
3a|ar salu persyaralar yarg per|u d|perral||ar rurg||r ada|ar rasa |erja suar|. 8|asarya oar| rarya rerer|ra pergajuar dar| rere|a yarg sudar
oe|erja sel|da|rya 2 larur. Keroa|| |ag| |e perlaryaar saya d| aWa|, apa|ar suar| Arda sudar rer||||| pe|erjaar seoe|urrya alau oaru a|ar oe|erja
se|eroa||rya dar| sara.
0er|||ar ou, seroga o|sa reroarlu. 3a|ar urlu| |aWar-|aWar d| reger| seoerarg. Arrad 0oza||
HEHUAT LAP0RAN KEUANCAN YANC 8|HPEL
(3Tu0l KA3u3) 3aya oaru rerd|r||ar lo|o rela||. Yarg saya larya|ar, oaga|rara s|r cara reroual |aporar |euargar, oa|| dar| jurra|, ou|u oesar, R/L,
Neraca dar juga peryusular. llu saja, ler|ra |as|r alas jaWaoarrya. Aodu|
Jawaban:
3e|aral alas d|ou|arya lo|o Arda, rudar-rudarar |arcar urlu| sega|a |eg|alar operas|ora|rya dar secara oerlarap o|sa rergras|||ar |eurlurgar.
Vasa|ar lerl|o adr|r|slras| |aporar |euargar rerarg sargal perl|rg, seoao seouar lo|o yarg l|da| oagus adr|r|slras|rya a|ar segera lerpuru| a||oal
|erug|ar-|erug|ar yarg oerparg|a| pada |e|a|a|ar. Vasa|arrya, para per|||| lo|o ras|r |esu||lar reroual |aporar |euargar yarg sederrara, padara|
rerou|a lo|o rela|| l|da| rarus rerggura|ar perou|uar seperl| pada perusaraar oesar. 8arya|rya uarg rasu| dar |e|uar l|da| perrar d|calal.
A|asarrya ada|ar ra|as, repol dar l|da| purya Wa|lu. La|u oaga|rara cara rergu|ur |erajuar sualu lo|o o||a larpa re|a|u|ar sualu perou|uar?
Ada salu cara rerou|u|ar yarg sederrara ya|lu dg mencatat semua keuntungan set|p ka|| membe|| yang d|kumpu|kan sem|nggu atau sebu|an atau
setahun. 3e||s|r rarga jua| oe|| seoaga| |eurlurgar yarg rarus d||urpu||ar d|r|lurg. 0ar| |eurlurgar yarg d|jur|ar|ar lerseoul dapal d||elaru|
per|eroargar |eurlurgar perlarurrya. 0ar| |aporar |lu d||elaru| apa|ar sualu lo|o rerga|ar| |erajuar alau l|da|. 8||a lerryala da|ar selarur d||elaru|
urlurg yarg d|pero|er cu|up, ra|a per|||| lo|o dapal rerercara|ar sualu |rveslas| dg lujuar per|uasar usara yarg r||a|rya l|da| re|eo|r| |eurlurgar
da|ar selarur.
Arda juga o|sa rerggura|ar cara yarg oeroeda dg cara d| alas, ya|lu dg mencatat set|ap ka|| ada pemasukan dan penge|uaran har| |tu juga. V|sa|rya
saja produ| yarg d|jua| rar| |r| jur|arrya se||ar, dar perge|uarar yarg d||a|u|ar seperl| reroayar lag|rar, reroayar ||slr||, a|r, dar le|por d|calalrya rar|
|lu juga. 0g rercalal a||rar dara yarg rasu| & |e|uar, per|||| lo|o dapal rergeva|uas| oesarrya perasu|ar yarg ada dg perge|uarar. 8||a lerjad| |el|da|
se|roargar |arera oeg|u oarya| reroayar lag|rar, rerda|rya rerer||sa apa|ar oararg yarg ada d| lo|o larpa| rerurpu| alau seoa|||rya.
llu|ar lad| dua ouar |orsep rergr|lurg per|eroargar usara lo|o, d|rara da|ar pra|le|rya serar|-rar| rerarg d|per|u|ar a|al oarlu seperl| jurra| rar|ar,
ou|u oesar, |aporar Laoa Rug|, dar Neraca. Narur urlu| pergusara peru|a reroual |aporar Laoa Rug| dar reryusur Neraca ser|rg|a|| rero|rgurg|ar,
sarar saya seoa||rya Arda rerja|ar rode| perou|uar rar|ar yarg |eo|r sederrara, ya|lu dg rerggura|ar rode| ou|u |as rar|ar dar ou|u calalar oararg.
uku Kas har|an r|sa|rya, rode| oerdarp|rgar da|ar salu ou|u lu||s, yarg seoe|ar ||r| urlu| calalar uarg rasu| dar yarg seoe|ar |arar urlu| calalar
uarg |e|uar. Vas|rg-ras|rg dg |o|or-|o|or: No. - Tg| - Ura|an - Jum|ah. J||a rarl| d|jur|ar|ar, arlara oag|ar pemasukan (debet} dg oag|ar
perge|uarar (|red|l) lerdapal se||s|r, ra|a se||s|rrya |lu d|seoul sa|do. 0g ou|u |as rar|ar |r| ra|a sel|ap rar|rya Arda dapal rergr|lurg perasu|ar dar
perge|uarar. 3e|arjulrya sel|ap ou|ar Arda l|rgga| rer|rdar|ar |eda|ar |aporar Laoa Rug|. Cararya ada|ar dg rerjur|ar|ar se|urur lola| perasu|ar
ler|eo|r du|u |erud|ar oaru|ar d||urarg| lola| jur|ar perge|uarar se|ara salu ou|ar oerja|ar. 0g der|||ar o|sa d||elaru| pos|s| Laoa alau Rug| dg cara
rergr|lurg se||s|r perasu|ar dar perge|uarar lo|o Arda se|ara salu ou|ar.
3e|a|r ou|u |as rar|ar, Arda juga per|u reroual ou|u 6atatan arang. 8ararg apapur yarg oerr||a| dar oer|a|lar dg usara Arda per|u d|calal. urlu| |eo|r
rudarrya Arda o|sa reroag|rya da|ar 2 |alegor|, ya|lu barang moda| dar barang dagangan. 8ararg roda| seperl| oarg|u, ra|, a|al lu||s, reja, |urs|, AC,
|erdaraar dar seoaga|rya. Po|o|rya serua oararg yarg sergaja d|ada|ar urlu| rerurjarg perye|erggaraar usara Arda. 8u|u calalar |r| o|sa juga Arda
seoul seoaga| ou|u calalar oararg |rverlar|s.
Kerud|ar yarg |e dua ada|ar 6atatan uku arang 0agangan, ya|lu oararg-oararg yarg Arda jua|. 3erua rarus lercalal, seoe|ur oararg lerjua| lercalal,
saal lerjua| juga (||ul) lercalal d| ou|u |as rar|ar, dar sele|ar lerjua| pur rarus arda calal.
Arda juga o|sa reryerla|ar uku 6atatan Khusus yarg reryarg|ul o|aya peryusular. 8|aya peryusular seoerarrya o|sa d|pardarg seoaga| perge|uarar
rar|ar/ r|rgguar/ ou|arar. Arl|rya o|aya lerseoul o|sa Arda |e|uar|ar secara rar|ar, r|rgguar alau ou|arar, urlu| |erud|ar d|r|rpur se|ara rasa lerlerlu
yarg Arda lelap|ar seoaga| oalas rasa produ|l|l oag| oararg-oararg lerseoul. Jad|, sel|ap oararg |rveslas| rarus d|r|lurg o|aya peryusularrya.
V|sa|rya Arda rerou|a Warurg dg rergorlra| ||os dua larur Rp 1,8 jula, oerarl| Rp 200.000 per ou|ar. Arl|rya, o|aya peryusular rarus Arda |e|uar|ar
ada|ar Rp 200.000,- per ou|ar. Va|a da|ar dua larur a|ar lerr|rpur dara Rp 1,8 jula, ya|lu seoesar uarg |orlra| lerpal. 0er|||ar juga o||a Arda reroe||
|erdaraar operas|ora|, rarus Arda perr|lurg|ar |erdaraar lerseoul produ|l|l oerapa larur. Jad| rasu||ar o|aya peryusular seoaga| o|aya rul|r
perou|arrya.
Nar, urlu| peryusurar Neraca o|sa d||a|sara|ar sele|ar |e 3 ou|u calalar lerseoul se|esa| d| oual pada per|ode Wa|lu lerlerlu. Neraca seperl| ||la |elaru|
lerd|r| dar| 2 |o|or ya|lu larla & lularg. J||a lerdapal |eurlurgar (se||s|r |eo|r perasu|ar d||urarg| perge|uarar alau o|aya) yarg lerdapal da|ar |aporar
Laoa Rug| o|sa reraroar jur|ar rarla lura|. 8ararg-oararg |rverlar|s dar s|sa persed|aar oararg dagargar juga d|rasu||ar |e |o|or rarla. 8eg|lu juga
a|uru|as| o|aya peryusular d|rasu||ar |e |o|or rarla. 0g der|||ar dapal Arda ||ral urul-urular peryusurar |aporar |euargar dar seruarya sa||rg
oer|a|lar eral salu sara |a|r. lrl|rya sa|ar salu |rd||as| per|eroargar usara ada|ar oerlaroarrya jur|ar rarla d| |aporar Neraca. 0ar oerlaroarrya
jur|ar rarla lergarlurg dar| seoerapa oesar |eurlurgar yarg o|sa d|ou|u|ar pada |aporar |aoa Rug|.
3e|aral rerge|o|a usaral V||e R|r|
HEH|L|h JEN|8 U8AhA YANC TEPAT
0ALAV s|luas| yarg seroa su||l seperl| se|ararg |r|, usara apa pur rasarya susar. 3e|a|u |eleru ja|ar ourlu. Ver||||| uarg oarya| seoaga| aWa| roda|
usara alau roda| |erja juga oe|ur o|sa reroer||ar jar|rar. 8e|ur lerlu o|sa rerja|ar|ar. Apa|ag| roda| yarg ||la r||||| pas-pasar, oar|ar rurg||r ||la
l|da| purya roda| sara se|a||. lr| lerlu a|ar reroual ||la |eo|r su||l |ag|.
Vergradap| s|luas| yarg seroa susar seperl| se|ararg |r|, apa yarg rarus ||la |a|u|ar? 8erusara secara reroao| oula, dg re|a|u|ar W|rasWasla alau
rerd|r||ar usara yarg s|lalrya asa|-asa|ar, ras||rya lerlu ras|r d|perlarya|ar. Jargar|ar urlu| rerpero|er urlurg alau |aoa oesar, o|sa rerperlarar|ar
roda|rya saja sudar cu|up oa||.
Kerug|ar oesar yarg dapal rergrao|s|ar roda| seoerarrya dapal ||la r|rdar| alau pa||rg l|da| dapal ||la le|ar se|ec|| rurg||r |a|au ||la o|sa rer|||r
usara yarg oerar-oerar lepal, sesua| dg |ord|s| dar |erarpuar ||la.
urlu| rer|||r usara yarg lepal, yarg sesua| dg |ord|s| ||la, seoerarrya juga l|da| ler|a|u su||l. K|la dapal rer|||r usara yarg sesua| dg |ord|s| d| se||lar
||rg|urgar ||la serd|r|. T|da| per|u rarus ler|a|u ru|u|-ru|u|. Cu|up sederrara, lelap| prospe|rya cu|up oa||. Cararya ada|ar dg rergeva|uas| ||rg|urgar
yarg ada d| se|e||||rg ||la.
las|| ara||s|s lerradap |erarpuar dar ||rg|urgar lerpal ||la l|rgga| |r||ar yarg a|r|rrya o|sa d| jad||ar urlu| ru|a| rerercara|ar usara. Ka|au |eoelu|ar
dar| eva|uas| ||rg|urgar ||la l|da| rerdu|urg urlu| oerusara alau oerW|rasWasla, o|sa rercar| lerpal yarg |a|r. Telap| je|as, usara yarg a|ar ||la |a|u|ar
sudar lergaroar dar le|ar ||la d| pasl||ar, ou|ar rarya da|ar argar-argar.
K|la rarus sudar dapal rergoperas|ora||ar usara yarg a|ar |a|u|ar. T|da| usar sarpa| pada garoarar yarg ler|a|u dela||, lelap| pa||rg l|da| cu|up gar|s
oesarrya saja. 0g der|||ar ||la dapal rerja|ar|ar usara sesua| dg rercara yarg rarlap.
Perercaraar usara yarg rarlap juga a|ar rergurlurg|ar oag| orarg yarg a|ar reru|a| usararya. 0g der|||ar, ||la l|da| rudar lergoda oera||r pada
usara yarg |e||ralarrya |eo|r rergg|ur|ar, lelap| seoerarrya juga oe|ur lerlu. K|la a|ar |eo|r s|ap da|ar rergradap| larlargar, |arera ya||r oarWa
usara yarg d| |erja|ar a|ar rerdalarg|ar |eurlurgar yarg |eo|r oa||. 8u|ar usara yarg s|lalrya cooa- cooa.
Ka|aupur lerjad| raroalar ra|ar per|u d|arggap seoaga| larlargar yarg rarus d|radap| dar d|car| ja|ar perye|esa|arrya, d|car| ja|ar |e|uarrya.
8ag| para peru|a alau W|rasWaslaWar oaru, godaarrya rerarg cu|up oarya|. Apa|ag| oag| orarg yarg oe|ur perrar oe|erja pada orarg |a|r yarg oe|ur
rergerl| se|u|- oe|u| dur|a o|sr|s, lerlu a|ar |agel rergradap|rya. 8ar|ar, rurg||r rere|a a|ar rerasa seo|ar-o|ar l|da| a|ar rarpu urlu| rere|ur|
usara yarg oaru d|r|rl|srya.
Telap|, |a|au |r| d|sadar| dg oa|| dar serua le|ar d|pers|ap|ar ralarg, lerlu sega|a raroalar yarg ada a|ar dapal d||a|u|. 8ar|ar, seo|ar -o|ar l|da| perrar
lerjad| raroalar. Yarg ada, rarya|ar rasa percaya d|r| yarg l|rgg|. Rasa opl|r|s urlu| su|ses dar| usara yarg d||e|o|arya.
3er| |rusus
wa|aupur |adarg-|adarg ||la ya||r lerradap usara yarg a|ar d| |e|o|a, rarur l|da| jararg juga usara yarg d|ja|ar|ar a|ar rereru| |egaga|ar. usara
yarg lad|rya |e||ralarrya rerjarj||ar prospe| oa||, lerryala l|da| se|ararya reroer| ras|| yarg oa|| pu|a.
lr| l|da| |a|r |arera ||la |urarg je|| da|ar re||ral pe|uarg dar rererlu|ar jer|s usara yarg a|ar d| |e|o|a. Jer|s usara seperl| |r| rerarg ser|rg rereru|
|esu||lar urlu| oer|eroarg. Vergapa der|||ar? llu|ar yarg ser|rg rerjad| perlaryaar ||la serua.
8ag| para ser|or yarg le|ar |ara oerW|rasWasla, perlaryaar seperl| |lu seoerarrya rudar lerjaWao. V|sa|rya dg rergara||s|s usara yarg le|ar ||la ja|ar|ar.
Apa|ar jer|s usara yarg ||la |a|u|ar? 0ar| s|r| dapal ||la |elaru| rergapa usara yarg d| ja|ar|ar su||l oer|eroarg. 0ar, oar|ar rurg||r le|ar ||la |a|u|ar
dg ra|s|ra|, lerryala oe|ur juga reroer||ar ras|| yarg |eo|r oa||.
Jer|s usara yarg ||la |a|u|ar dapal d|oeda|ar rerjad| dua racar. Apa|ar usara ||la lerrasu| jer|s usara yarg urur, arl|rya usara |lu o|sa d|pero|er d|
rara-rara dar d||orsurs| urlu| serua orarg alau l|da|. usara |a|rrya yarg oers|lal |rusus, arl|rya usara yarg ||la ja|ar|ar l|da| serua orarg
re|a|u|ar usara yarg urur.
usara yarg oers|lal urur o|asarya rudar d||a|u|ar dar rudar d|l|ru o|er orarg |a|r. usara seperl| |r| o|asarya juga lerdapal d| rara-rara. Korsurer dg
rudar rerpero|er d| lerpal |a|r l|da| rarus d| lerpal ||la oerusara.
usara seperl| |r| seoerarrya juga o|sa ||la ja|ar|ar, |a|au |eoelu|ar d| lerpal oerusara oaru salu alau dua orarg. Ka|au sudar |eo|r dar| dua orarg, rasarya
a|ar su||l urlu| rerjad| yarg |el|ga, alau yarg |eerpal, oar|ar rurg||r yarg |e||ra.
0a|ar o|darg usara yarg s|lalrya ser||rusus, pe|uarg ||la ras|r leroerlarg |eoar. 8e| oarya| orarg yarg oer|ec|rpurg da|ar o|darg |r|. Persa|rgarrya
l|da| ler|a|u |elal, ser|rgga |ars urlu| oerras|| a|ar |eo|r oesar. Telap|, sayargrya usara seperl| |r| l|da| serua orarg o|sa. usara yarg s|lalrya
ser||rusus lerlu rerer|u|ar |ear||ar yarg s|lalrya ser||rusus pu|a.
llu|ar sa|ar salu p|||rar |a|au |eoelu|ar ||la |rg|r rerou|a usara oaru. 8arya| jer|s usara yarg o|sa ||la |a|u|ar, rarur urlu| rer|||r usara yarg lepal
juga l|da| ler|a|u rudar. 3a|ar salu d| arlararya, ||la o|sa rer|||r usara yarg s|lalrya ser| |rusus.
ACA|HANA HEHPER0LEh RP 5.000.000 8EH|NCCU hANYA ER|6ARA 0C 0RANC LA|N
3er|rar dar Wor|srop pada rar| |r| ada|ar rerupa|ar salu cara ulara oag| orarg deWasa urlu| oe|ajar, yarg rara |a rerupa|ar salu s|sler peroe|ajarar
yarg rerpurya| cara seperl| rara peroe|ajarar a|ader||.
Cara yarg rudar dar perde| |r| reroer||ar dar rergr|darg|ar |rlorras| yarg sargal oer|esar dar el|s|er. Arda dapal reraja|ar|ar ser|rar rergera|
apa-apa suoje| .
0g oayarar urlu| rergrad|r| ser|rar l|da| |urarg dar| Rp30.000 seorarg, |a rerjarj||ar pe|uarg rerdapal|ar uarg yarg sargal oesar. Keo|asaarrya
oayarar d||era|ar ada|ar d|arlara Rp50.000 r|rgga Rp500.000 seorarg.
Ada juga yarg rergera|ar oayarar ser|rgga Rp2.000.000 seorarg, oergarlurg |epada jer|s ser|rar yarg d|arjur|ar. 0ar da|ar re|a|sara|ar ser|rar |r|
arda o|sa rerpero|er pergras||ar oeoerapa jula rup|ar serar|., dg rarg|r |eurlurgar re|eo|r| dua pu|ur perser alau |eo|r.
Apa yarg arda per|u|ar |a|ar le|epor, res|r l||/|orpuler, cao|rel urlu| l||e, dar sed|||l lorru||r dar juga a|al-a|al lu||s. J||a|au arda o|sa rerar|| r|ral rara|
orarg arda o|sa rerjua| alau rergera|ar oayarar seoarya| Rp200.000 seorarg urlu| ser|rar yarg a|ar arda ja|ar|ar. Vurg||r |a |eo|r rudar dar|pada
rerjua| ser|rar yarg oerrarga Rp50.000.
8ayarar urlu| sesualu ser|rar l|da| leroalas lelap| dua perl|ga d|arlararya ada|ar da|ar ||rg|urgar Rp50.000 r|rgga Rp500.000. 0g pergurusar yarg
lepal, arda oo|er re|ela||ar rarga sel|rgg| yarg arda rasa o|sa arda |a|u|ar.
0ar jargar |upa |aj| se||d|| yarg per|u d||a|u|ar supaya peryerlaar l|da| oer|urarg |arera per|rg|alar rarga yarg arda |a|u|ar. 0ar jargar re|ela||ar
rarga yarg ler|a|u rerdar |arera o|aya yarg d|per|u|ar rurg||r l|rgg|, j||a oeg|lu arda a|ar rergradap| rasa|ar oesar pu|a rarl|.
Perg|||arar ulara arda ada|ar re|a|u| perasarar lerus dar secara pos. 0|recl respors rar|el|rg ada|ar lerrasu| urusar pos lerus, yarg rara |a
reroer||ar rol|vas| dg cepal |epada peroaca. Corlor pa||rg oa|| rergera| d|recl ra|| rar|el|rg |a|ar uj| |ala Reader's 0|gesl.
Terpal alau raje||s urlu| ser|rar yarg a|ar arda ja|ar|ar resl||ar rerpurya| ursur-ursur |e|e|uargaar, persaraoalar dar |e|uasa. Arda oo|er rer|||r
urlu| reryeWa raje||s yarg oesar dar reWar lelap| l|da| rerpurya| peserla yarg rara| alau arda o|sa reryeWa raje||s |ec|| lelap| |e|uasa dar |a a|ar
d|perur| peserla. KaWasar lerseoul l|da||ar per|u ler|a|u larcy/rerar|| lelap| o|ar|ar |a rudar d|leru|, |e|uasa dar se|aral.
Parjarg ser|rar yarg a|ar arda ja|ar|ar rarus|ar oerdasar|ar |ardurgar yarg o|sa arda sed|a|ar. Jargar ler|a|u rerarjarg|ar ser|rar arda ser|rgga
reroual|ar peserla lerpa|sa rerurggu ser|rgga |e Wa|lu ra|ar.
urlu| rerdapal|ar ser|rar yarg sesua| parjargrya, arda per|u rergr|lurg jur|ar peroe|arjaar yarg per|u d|oayar urlu| reryeWa raje||s , rola, ra|arar
dar |a|r-|a|r. l|lurg|ar jur|ar oag| prograr selergar rar| dar juga salu rar|.
Arda rurg||r a|ar rereru| oarWa arda o|sa reryarpa||ar pesar yarg |eo|r oer|esar da|ar prograr se|ara selergar rar|. la juga a|ar dapal
rerolorg o|aya dar rer|rg|al|ar |eurlurgar arda.
8|asarya o|aya urlu| seWa raje||s alau lerpal lergarlurg |epada jur|ar jar yarg d|gura|ar lerrasu| peryed|aar pera|alar seperl| s|r|r, Tv, projeclor
s||de dar seoaga|rya. 3a|ar salu res||o d|da|ar perr|agaar ser|rar |r| |a|ar arda resl| reresar raje||s alau lerpal/gedurg |eo|r aWa| seoe|ur arda laru
jur|ar peserla yarg a|ar reryerla| ser|rar arda.
Pasl||ar j||a arda reresar raje||s, arda laru largga| urlu| reroala||ar pesarar alau rergesar|arrya. Arda rau supaya peserla-peserla ser|rar arda
rer|rgga||ar raje||s ser|rar dg perasar puas dar rerpero|er sesualu yarg aral oerrarga dar sel|da|-l|da|rya rere|a juga rasa puas rerpero|er
per|ara oerrarga dar juga rasa lerr|our dg peryarpa|ar cerarar d|se|arg| dg jera|a.
Ada|ar arda a|ar rerdapal o|aya yarg sel|rpa| dar oersesua|ar j||a arda rergurdarg percerarar proless|ora|? Pada per|rg|al aWa| |ar|er arda |r|
rurg||r rau reryarpa||ar serd|r| cerarar arda, ou|ar rarya |a o|sa rergurarg| o|aya, lelap| arda a|ar dapal rergelaru| apa yarg dapal oer|esar dar
apa yarg l|da| oeg|lu oer|esar.
Percerarar yarg oagus rerpurya| perguasaar ra||ural/|rlorras| yarg oagus dar reroer| |esar yarg surggur oa|| |epada peserla. Cara
perseroarar yarg sargal oa|| dar oer|esar. urlu| corlor lop||, arda o|sa rergajar|ar alau rerurju||ar |epada peserla oaga|rara urlu| rerou|a
perusaraar/o|sr|s serd|r|, rerja|ar|ar ser|rar, reroual p|rjarar dar juga apa saja lop||-lop|| rerar|| yarg o|sa arda l|||r|ar.
0ar juga re|a|u| |aj|ar dar perye||d||ar yarg arda ja|ar|ar, arda oo|er reroer|laru peserla rergera| perga|arar arda serd|r| dar reroer| rere|a
corlor lerde|al d|da|ar o|darg lerseoul.
3asar|ar juga se||rarya peserla rau prograr |arjular alau arda rergga|a||ar rere|a reroer|laru orarg |a|r rergera| ser|rar arda dg |lu arda a|ar
rerdapal |||ar secara gral|s. J||a ser|rar yarg d|oer||ar |lu oer|esar sudar pasl| |a a|ar rerjad| seoular.
A|r|rrya sualu ser|rar |lu serarusrya reroer||ar salu suasara yarg |rdar dar rerggero|ra|ar dar salu proses peroe|ajarar yarg oer|esar dg |lu |a
a|ar dapal rerar|| r|ral |eo|r rara| peserla pada rasa a|ar dalarg.
Arda oo|er rerdapal uarg laroarar |ag| d|a|r|r prograr dg rerjua| d|s|el corpuler, C0 R0V, ou|u-ou|u, |asel-|asel, v|deo dar juga oararg yarg
oer|a|lar dg ser|rar |lu.
Perjua|ar seperl| |lu o|sa reroer||ar per|rg|alar laroarar ser|rgga |eo|r l|ga pu|ur perser |ag| |epada arda. Kar|er d|o|darg |r| ada|ar sargal
rergurlurg|ar dar oarya| yarg oerras|| rero|ra |esu|sesar rere|a da|ar Wa|lu rarya oeoerapa larur saja dar le|ar rerpero|er |eurlurgar yarg
sargal |urayar.
HEHPER0LEh RP 10.73.000 0C HENCUT|P ARANC EKA8 | LAHA 0| RUHAh AN0A
J||a arda rerjad| seperl| |eoarya|ar dar|pada |ar|, arda rurg||r o|sa rergge|edar dar rercar| sesualu oararg yarg sudar |ara lers|rpar d| rurar
arda. Apa|ar |a |epuryaar serd|r| alau peroer|ar |ou arda, rere| arda, alau s|apa saja.
Vurg||r oararg-oararg lerseoul sudar |ara lers|rpar dar oerdeou d| da|ar |erar|, la|| dar lerpal s|rparar oararg. Vurg||r |ou arda sudar |upa dar
arda rereru| rarla lerseoul secara la| sergaja, Apa|ar arl|rya ?
Arda rurg||r lerlaWa dar rarp|r l|da| percaya apao||a d|oer|laru se|ararg. Apa yarg d|ra|sud d|s|r| ada|ar per|ara o|asa, |a ada|ar 3EJENl3 RE3EP
LAVA. Vurg||r resep |ue-|uear, resep rasa|ar |au|-pau|, ra|arar lrad|s|ora| dar seoaga|rya. Vurg||r se|ara |r| arda oerpardargar oarWa oerda-
oerda seperl| |lu l|da| ada r||a|rya alau l|ada s|apapur yarg rerg|rg|r|arrya.
Arda re|a|u|ar |esa|arar oesar, |arera ras|r oarya| orarg yarg rau rergelaru|rya. Va|ar arda o|sa rerpero|er |roa|ar yarg |urayar apao||a
reroer|laru|arrya |epada orarg |a|r. Arda o|sa rerpero|er uarg yarg sargal oarya| dg rerjua|rya.
Vurg||r resep yarg arda r||||| |lu us|arya sudar oerlarur-larur, rurg||r pu|urar larur. Ada|ar arda laru oarWa dg rerg|||ar|arrya d| lerpal yarg
oelu|, |a a|ar rerjad| seperl| gorerg p|sarg paras d|rara oarya| orarg yarg a|ar reroe||rya. rarya dg reroual |||ar |ec|| d| da|ar raja|ar alau sural
|aoar r|rgguar, |a o|sa rerdalarg|ar ras|| yarg |urayar.
Vaja|ar urlu| War|la dar lao|o|d r|rgguar yarg |uas l|rasrya yarg rurg||r pu|urar r|ou ser|rggu alau seou|ar, o|sa rergras|||ar |eurlurgar yarg
|urayar. j||a arda reroual |||ar d| da|arrya.
wa|aupur rarya salu alau dua perser saja jur|ar peroaca yarg reroe||rya dar|pada r|ouar alau julaar peroaca, |a sudar dapal rergras|||ar
perdapalar yarg sargal oesar |epada arda.
Raras|a urlu| rerdapal|ar uarg yarg |urayar sel|ap ou|ar re|a|u| roo| dar |ear||ar apa saja yarg arda r|||||, arda o|sa rereru|arrya j||a arda
rerjad||arrya seoaga| pe|uarg usara. wa|aupur arda seorarg lu|arg cal alau lu|arg |ayu, arda ras|r rerpurya| pe|uarg oesar urlu| rerjad| |aya
re|a|u| |ear||ar arda, dg cara rerjad||ar |a seoaga| salu o|darg usara. Arda o|sa rergaro|| |orlra| secara |ec||-|ec||ar du|u. Pe|uarg serarl|asa ada oag|
rere|a yarg rau rercooa, lelap| pe|uarg a|ar rerjaur| orarg yarg pera|ul dar l|da| rau rercooa. Verarg l|da| ada ja|ar yarg rudar urlu| rercar|
uarg yarg oarya|, lelap| ou|ar ruslar|| urlu| rerpero|er|rya j||a arda raj|r. J||a arda seorarg yarg rau rercooa dar oe|ajar, dar rau rerjad| seorarg
yarg |roval|l dar |real|l, ra|a arda a|ar rereru| cara dar ja|ar urlu| rercar| uarg yarg |urayar , oar|ar seoag|arrya o|sa d||a|u|ar rarya dar| rurar
arda saja.
8ERTlN0AKLAl 3EKARAN0 ll
Perusaraar Krusus yarg a|ar reroayar seoarya| Rp50.000.000 3E8uLAN larpa per|u re|a|u|ar apa-apa l 3argal rudar s|apa pur o|sa re|a|u|arrya l
8aru-oaru |r| |ar| le|ar reroual |aj|ar dar pery|asalar rergera| salu s|sler |euargar yarg oeg|lu rudar urlu| d||a|u|ar , yarg rara |ar| l|da| perrar
rer|||r|arrya daru|u. Pada dasarrya arda a|ar rerer|ra oayarar Wa|aupur arda l|da| re|a|u|ar apa-apa pe|erjaar l Perusaraar yarg d|ra|sud|ar
|a|ar pergerda||ar s|sler le|epor oeroayar 0809# .
Kar| pasl| arda sudar o|asa dg |||ar |orers|a| d| sural |aoar alau raja|ar yarg reraWar|ar prograr ' sarourgar saraoal ' arl|s , sepa| oo|a, le|e|u|z , dar
|a|r-|a|r rarcargar oeroayar .
8eoerapa larur daru|u rarya ada oeoerapa ouar perusaraar pergerda|| rarcargar oeroayar seperl| |r|, lelap| se|ararg |a sudar oarya| d|laWar|ar . Kar|
le|ar re|uarg|ar Wa|lu dar oarya| oero|cara dg orarg-orarg yarg ler||oal da|ar |rduslr| sarourgar 0809# , dar apa yarg |ar| leru| ada|ar sargal
rergejul|ar se|a|| .
8arya| orarg yarg rerpero|er pergras||ar |eo|r dar| Rp50.000.000 rarya dg rerper|era||ar sarourgar |r| . Kar| le|ar rerpero|er Rp28.000.000 pada
ou|ar perlara oeroperas| . Arda oo|er rergruourg| perusaraar pergerda|| sarourgar 0809# |r| dar reryala|ar oarWa arda rau reroargur|ar alau
reru|a| sarourgar oeroayar arda serd|r| .
Arda a|ar rerdapal| pegaWa| rere|a sargal oa|| dar oersed|a rero|org arda . Vurg||r seoag|ar dar|pada rere|a ada|ar seoaga| oro|er yarg rerjad|
orarg lergar yarg o|sa reroarlu arda rerproros||ar sarourgar |rusus yarg arda r|rla pada Wa|lu yarg sesua| .
Arda a|ar rerjad| 'peraso| |rlorras| ' alau |rlorral|or prov|der (lP) . 0rarg oarya| a|ar rere|epor roroor yarg arda |||ar|ar urlu| rergelaru| lerlarg
|agu-|agu , roros|op , saraoal , cer|la serar , pe|ajarar dar |rlorras| -|rlorras| perl|rg ler||r| .
Arda oo|er reraWar|ar apa-apa saja laju|/judu| yarg d|l|||r|ar sesua| dar o|sa rerar|| perral|ar orarg oarya| urlu| rere|epor sarourgar yarg arda
proros||ar.
3eoag|ar dar|pada perusaraar pergerda|| |r| sudar rerpurya| prograr-prograr |rusus yarg d|sed|a|ar dar arda rarya per|u rer|||r saja dar
reroer|laru rere|a |apar arda rau reru|a|rya.
Pada |eo|asaarrya arda rarya per|u rerperurlu||ar Wa|lu seoarya| 1 jar seou|ar urlu| reroual oeoerapa ouar |||ar d| da|ar oeoerapa ouar
perusaraar perero|lar yarg rerg|||ar|ar sarourgar 0809# r|||| arda .
3ecara oloral|s orarg oarya| a|ar rere|epor roroor sarourgar arda urlu| rerdapal|ar oeroaga| |rlorras| yarg d||ererda|| dg cepal larpa re|a|u|
cara pos yarg aga| |aroal.
Arda a|ar rerdapal oayarar Wa|aupur dar|pada rere|a yarg l|da| rerpurya| |arlu |red|l. lr||ar sa|ar salu cara rudar d|rara arda o|sa rerdapal|ar
uarg yarg oarya| rarya dg reroer||ar roroor le|epor |sl|reWa arda |epada rere|a. llu|ar |e|eo|rar dar |ereoalar prograr |r| l .
Percaya|ar, |ar| le|ar re||ral serd|r| |aporar-|aporar d| da|ar |orpuler rergera| orarg-orarg yarg le|ar rerpero|er pergras||ar |urayar dar|pada
roroor sarourgar |rusus yarg |sl|reWa |r| . la surggur reoalll.
Vu|a||ar dar| se|arargl
HEHPER0LEh 8Eh|NCCA RP 750.000 8EhAR| 0C HEHA6A |KLAN 0| 8URAT KAAR
Ada|ar arda laru oarWa arda o|sa rerpero|er uarg yarg oarya| dg reroaca |||ar oar|s alau |||ar |o|or d|da|ar sural |aoar rar|ar? 0g reroual dar
oelu|-oelu| rererral||arrya dg oelu| dar lepal |epada |||ar-|||ar lerseoul a|ar rerjad||ar arda |eo|r ce|ap rergera| s|apa|ar yarg rau rerjua| oararg-
oararg rere|a - seperl| per|a|as, oararg arl||, |erdaraar, rurar dar apa saja.
0ar arda juga a|ar rereru| s|apa|ar yarg rau reroe|| oararg-oararg seperl| |lu. Raras|a rerdapal|ar pergras||ar yarg |urayar |r| |a|ar dg
rerggura|ar |||ar-|||ar perde| lerseoul seoaga| salu pe|uarg urlu| rercar| dar rereru|ar arlara p|ra| yarg rau rerjua| |epada p|ra| yarg rau
reroe|| alau seoa|||rya.
Raras|arya |a|ar dg reroual l|rda|ar yarg cepal; dar arda resl||ar oersed|a urlu| rergruourg|ar d|arlara peroe|| dar p|ra| perjua| seoe|ur rere|a
serd|r| oerleru d|arlara salu sara |a|r larpa oarluar dar|pada arda.
J||a arda rerasa serarg dar gero|ra urlu| re|a|u|ar per|ara |r|, |a rerupa|ar salu pe|uarg yarg sargal VENAKJu8KAN. 8e|erja d|da|ar o|darg |r|
seo|ar-o|ar re|a|u|ar pe|erjaar seoaga| seorarg dele|l|l perserd|r|ar.
Telap| arda oe|erja urlu| rerdapal|ar ||u (oayargar) rergera| apa yarg orarg r|||||, alaupur apa yarg rere|a rau. 3e|a|urya per|ara yarg aga| rur|l
urlu| d|ja|ar|ar pada per|rg|al aWa| |a|ar |arera arda l|da| rerpurya| pergelaruar d|da|ar per|ara |r|.
Arda per|u oe|ajar dar oer|al|r sel|ap rar| urlu| rerceour| o|darg |r|. Telap|ar d|da|ar l|||rar arda oarWa sel|ap |a|| arda rergalur perjarj|ar, arda sedarg
rero|ra repulas| arda serd|r| seoaga| seorarg yarg ar|| rergera| per|ara lerseoul.
A|r|rrya arda a|ar rerpurya| |ar|er yarg slao|| dar rerpurya| pe|arggar yarg serarl|asa oerada d|da|ar pasarar urlu| rerdapal|ar sualu oararg alau
jasa. Keurlurgar yarg a|ar arda pero|er dg rergalur perjua|ar d|arlara pe|arggar lerseoul rurg||r ada yarg oarya| dar rurg||r ada yarg sed|||l,
seruarya lergarlurg |epada jer|s oararg dar jasa yarg d|laWar|ar dar d|per|u|ar. wa|au oaga|rara pur, |a a|ar reroer||ar a||rar uarg lura| dg segera
|epada arda.
Apao||a rere|a le|ar rergera|| arda, orarg-orarg |r| a|ar rereru| arda ler|eo|r daru|u seoaga| p|||rar ulara, urlu| rercar| oararg-oararg alau serv|s
yarg rere|a per|u|ar. jasa yarg d| laWar|ar o|er arda a|ar rerjad| ja|ar p|rlas |epada proses rasa dar |a sargal oer|esar oag| per|||arar seperl| |r|.
Veroual |orle|/ruourgar ada|ar per|ara ulara dar pa||rg perl|rg d|da|ar per|ara |r|, dar dg rergelaru| alau rergera|| |rd|v|du lerlerlu, arda a|ar |eo|r
rudar da|ar oerurusar dg |edua oe|ar p|ra| |r|. dar ra| |r| a|ar rerpercepal |ag| rasu|rya uarg |e da|ar dorpel arda.
urlu| jasa arda |lu, arda oo|er rerasarg rarga oayarar upar urlu| usara arda. 0g |lu, arda l|da| a|ar ler|epas pe|uarg rerer|ra oayarar apao||a
oayarar oerlu|ar largar. Arda oo|er rergaro|| upar ler|eo|r daru|u alau rerer|ra oayarar perdaru|uar (depos|l). Arda per|u rergalur serua urusar
perleruar d|arlara p|ra| perjua| dar peroe||, dar arda sudar dapal rerer|ra oayararrya. J||a arda oarya| oerja|ar |e|uar |aWasar, pe|ajar||ar |||ar oar|s
Wa|au |erarapur arda perg| .
Arda rurg||r a|ar rereru| oararg yarg rerpurya| r||a| perjua|ar yarg oesar d| |aWasar lerseoul. J||a arda l|da| o|sa rergalur perleruar d|arlara
|edua oe|ar p|ra| |arera d|seoao|ar jara| yarg jaur, rurg||r arda o|sa reroe|| oararg lerseoul dg rarga yarg rurar dar rerjua|rya |eroa|| dg rarga
yarg rara| supaya arda o|sa rerdapal |eurlurgar yarg |urayar. Telap| |a rarus sesua| dg rarga oarargrya, sara ada |a ras|r oa||, oer|ua||las alaupur
l|da|. dg cara |r|, Arda dapal rerpero|er pergras||ar yarg sargal |urayar.
Kar| rergelaru| |rd|v|du yarg le|ar su|ses rerggura|ar cara seperl| |r| ser|rgga oe||au rarpu r|dup reWar dar rer||||| roo|| Vercedes dar| rode|
ler||r| (|arpu ou|al). Vergapa arda l|da| rercooarya. arda o|sa oe|ajar secara |ec||-|ec||ar du|u seoao |a l|da| rerer|u|ar roda| |arera arda rarya
rerer|u|ar |orle| dar parda| oero|cara serla rer||||| sed|||l uarg urlu| peroe|arjaar serd|r|.
|8N|8 PR|A0|
(3Tu0l KA3u3) 0ear Pa| 0oza||, saya sudar perrar ||r|r perlaryaar lap| l|da| d|rual. 3aya cooa |ag|, lo|org dorg Pa|.
3aya se|ararg ras|r |erja d| perusaraar sWasla, lap| rercararya a|ar res|gr |arera seoerlar |ag| rau re|ar|r|ar. 3uar| saya juga |erja d| perusaraar
sWasla, dar r|dup |ar| ras|r ||ul rerlua.
3aya l|da| |rg|r lergarlurg pada pergras||ar suar| saja Wa|aupur |ar| r|dup cu|up. 3aya |rg|r oero|sr|s dg |erarpuar roda| yarg ada r|||| saya serd|r|,
lelap| saya o|rgurg |rg|r o|sr|s apa |arera roda| yarg saya purya rarya sed|||l (d| oaWar 15 jula). To|org |as|r sarar dorg pa| ||ra2 saya o|sa usara apa
dg roda| yarg sed|||l |lu. 3aya sudar perrar ||ul VLV lap| l|da| ja|ar, juga perrar jua| |osrel|| avor lap| juga sudar oerrerl|.
Ka|au saya |rg|r o|sr|s da|ar o|darg ra|arar, seoa||rya |arg|ar apa yarg rarus saya |a|u|ar aWa|rya ya pa|, ra||ur der saya oe|ur perrar o|sr|s.
Voror jaWaoarrya Pa|, dar ler|ra|as|r oarya| alas oarluar sararrya. 3us|
Jawaban:
8u 3us|, lerus lerarg saja, |r| ada|ar perlaryaar yarg l|da| o|sa saya jaWao dg rudar. Karera urlu| rererlu|ar o|sr|s apa yarg seoa||rya Arda ja|ar|ar,
ada oarya| se|a|| la|lor yarg per|u d|perl|roarg|ar.
3a|ar salu la|lor urlu| d|perl|roarg|ar rerarg ada|ar roda| l|rars|a| yarg d|r|||||. Tap| percaya|ar, |r| ou|ar perl|roargar ulara urlu| rererlu|ar
o|sr|s apa yarg d|ge|ul|. 8ag| saya, roda| l|rars|a| rarya a|ar rererlu|ar oaga|rara cara rerja|ar|ar o|sr|srya, ou|ar o|sr|s apa yarg d|ge|ul|.
Yarg seoa||rya rerjad| perl|roargar ulara ada|ar apa yarg d|oulur|ar o|er pasar, dar apa yarg o|sa Arda |a|u|ar urlu| rererur| perr|rlaar pasar
lerseoul. urlu| seseorarg yarg sudar rer||||| perga|arar yarg |uas dar j|Wa o|sr|s yarg |ual, o|asarya a|ar se|a|u rercar| apa yarg ras|r d|oulur|ar
o|er pasar. Tap| urlu| peo|sr|s oaru, saya o|sa sarar|ar dua ra| urlu| rererlu|ar o|sr|s apa yarg seoa||rya d|ge|ul|:
1. Hu|a| dar| yang Anda kuasa|
Kear||ar dar perga|arar apa yarg saal |r| Arda r|||||. 3eoaga| seorarg |aryaWar, Arda lerlurya sudar rer||||| perga|arar da|ar |rduslr| lerlerlu,
j||a rerurg||r|ar, o|sa|ar |lu d|jad||ar seoaga| usara rurarar dg roda| yarg ada. Alau rurg||r |ear||ar |a|r yarg se|ara |r| oe|ur oarya| d|ga||.
V|sa|rya |ear||ar Arda da|ar rerde|or rurar o|sa rerjad| |adarg o|sr|s oaru ya|lu desa|r |rler|or. Ka|au |ear||ar Arda ada|ar d| dapur, ra|a sudar
o|sa d|leoa| usara apa yarg coco| urlu| Arda.
2. Hu|a| dar| yang Anda suka|
3e|a|r |ear||ar, |esu|aar juga o|sa d|jad||ar seoaga| o|sr|s. Apapur roo| Arda o|sa d|jad||ar seoaga| o|sr|s. wa|aupur Arda oe|ur cu|up ar|| da|ar
o|darg |lu, lap| |a|au sudar su|a o|asarya a|ar re|a|u|ar apapur urlu| o|sa.
8ual ||sl o|sr|s apa yarg o|sa d|oargur dg rerperl|roarg|ar dua ra| d|alas, ya|lu |ear||ar dar |esu|aar Arda serd|r|. Jargar oalas| d|r| dg |eleralasar
roda|. 3e|a|| |ag|, oesarrya roda| rarya a|ar rererlu|ar oaga|rara Arda rerja|ar|ar o|sr|s Arda, ou|ar o|sr|s apa yarg d|p|||r. 0ar| ||sl lerseoul, sar|rg
|eroa|| dg perl|roargar pasar. Cooa ||ral dar| o|sr|s lerseoul o|sr|s apa yarg pa||rg o|sa Arda rar|el|rg|ar dar pa||rg oarya| d|oulur|ar o|er pasar.
3e|aral oerusara |ou 3us|, su|ses urlu| Arda... Arrad 0oza||
HEHULA|, HER|NT|8, 0AN HEHANCUN |8N|8 8EN0|R|
(3Tu0l KA3u3) 3aya pr|a oer|e|uarga yarg oer|e|rg|rar purya o|sr|s serd|r| dg rerjad| ager asurars|. lslr| saya sudar ru|a| rer|rl|s usara ra|arar (|ue,
rol| & srac|) |ec||-|ec||ar d| rurar. Vasa|arrya, sarpa| saal |r|, |edua usara lerseoul ras|r oe|ur rerpero|er ras|| yarg lelap dar reruas|ar
(rererur| |eoulurar |e|uarga). Apa yarg rarus |ar| |a|u|ar? Apa|ar |ar|, lerulara saya, rarus |eroa|| rercar| pe|erjaar seperl| yarg du|u seoaga|
|aryaWar, alau lelap rererus|ar |epulusar yarg le|ar |ar| ru|a| dg rarapar a|ar reroa|| dg jarg|a Wa|lu yarg oe|ur d||elaru| ras|| su|sesrya?
8aga|rara rergalur o|aya rurar largga ser|rgga l|da| del|s|l & cara rergalas| ||||lar rularg? 0|r| Rararja --- Ja|arla
Jawaban:
Perge|o|aar |euargar pada seouar |e|uarga a|ar sargal d|pergarur| juga dg perercaraar |ar|r. Ka|au se|ararg |r| pergras||ar Arda d|rasa|ar oe|ur
rerada|, ra|a Wajar saja j||a Arda |erud|ar rerga|ar| del|s|l dar ler||oal dg rularg. 0a|ar |ord|s| seperl| |r| seoa||rya Arda rergr|rdar| rularg yarg
oerourga, apa|ag| |arlu |red|l.
Vergara| suroer pergras||ar, rerarg yarg rararya usara ada pasarg surulrya. Prospe|rya ser|rg |a|| l|da| o|sa d|oaca dg rudar dar o|sa juga
oeruoar se|r|rg dg |ors|s| pere|oror|ar ra|ro. Narur ou|ar oerarl| seperl| jud| yarg o|sa rerarg alau |a|ar rarya |arera |eoerurlurgar. Arda o|sa
rerjad||ar usara Arda su|ses dg slraleg| lerlerlu yarg sesua| dg |ord|s| usara dar |ord|s| pasar Arda.
3eoe|ur rerulus|ar urlu| |eroa|| rercar| |erja alau lelap lerus rergeroarg|ar usara, saya sarar|ar agar Arda rergeva|uas| |eroa|| |ord|s|
|euargar Arda se|ararg. 8erapa dara cadargar yarg Arda r|||||, da|ar arl| sarpa| oerapa |ara |ag| |ord|s| |euargar Arda o|sa oerlarar dg oesar
perasu|ar se|ararg |r|.
wa|aupur |ord|s| |euargar Arda sudar l|da| rerurg||r|ar, saya l|da| sarar|ar Arda dar |slr| urlu| |eduarya oe|erja |eroa|| seoaga| |aryaWar. 3aya
|eo|r sarar|ar agar sa|ar salurya saja yarg oe|erja, dar sa|ar seorarg |ag| lelap rergeroarg|ar usara. Va|ar |a|au rerurg||r|ar, rurg||r Arda o|sa
lerus oerproles| seoaga| ager asurars| saro|| oe|erja d| lerpal |a|r |a|au rerarg o|sa d|ja|ar|ar |eduarya se|a||gus.
3u|ses urlu| Arda... Arrad 0oza||
HEN6AR| PERU8AhAAN A8URAN8| YANC PR0FE8|0NAL
(3Tu0l KA3u3) Ke||| lad|arlo --- Ja|arla
Voa| R|r|, 3a|ar |era| dar| |e|||
To lre po|rl aja roa| R|r|. 8eg|r| Voa|. 3aya oe|erja d| perusaraar asurars| lerrara saal |r|. A|ar lelap| saya ras|r ragu urlu| ||ul seouar produ|rya
ya|lu 0PLK alau jar|rar oual rar| lua dar seoaga|rya rerg|rgal susar o||a rergaju|ar ||a|r. Voror sarar dar| roa| R|r| apa seoa||rya yarg rarus saya
|a|u|ar urlu| ra| lerseoul.
0ar salu ra| |ag| Voa| R|r|. 3aya |ep|rg|r rerasu||ar seracar prograr dara perd|d||ar urlu| ara|. Vurg||r roa| R|r| laru oar|/|eroaga rara yarg
proles|ora| rerg|rgal oarya| assurars| yarg reraWar|ar. A|ar lelap| o||a re||ral dar| prer| perlarggurgarrya |adarg Ke||| oerg|d|| o||a rergr|lurgrya.
Jawaban:
3a|ar |era| juga dar| saya. Apa |aoar ras Ke|||? 3eroga seral se|a|u.
Kesu||lar rergaju|ar ||a|r asurars|, prograr jar|rar rar| lua, 0PLK dar seoaga|rya o|asarya lerjad| |arera oeroaga| seoao, arlara |a|r:
- |esa|arar |rlorras| saal perg|s|ar r|Wayal |eseralar,
- l|da| |erg|aprya ou|l| alau dala-dala yarg rerdu|urg ||a|r,
- l|da| rerg||ul| prosedur ||a|r yarg oer|a|u
- ||a|r yarg d|aju|ar lerryala l|da| lerrasu| res||o yarg d|larggurg da|ar po||s
- ada lag|rar prer| asurars| yarg oe|ur leroayar
- dar |a|r seoaga|rya
3aya cu|up ya||r oarWa p|ra| perusaraar asurars| l|da| a|ar secara sergaja reryu||l|ar rasaoarrya da|ar rergaju|ar ||a|r. Karera |lu arlara
perusaraar asurars| dg rasaoarrya seoa||rya lerja||r |orur||as| yarg oa|| ser|rgga sega|a perrasa|arar lerrasu| proses rergaju|ar ||a|r o|sa
d|se|esa||ar dg oa||. Adapur urlu| rerpers|ap|ar dara pers|ur, ada oeoerapa a|lerral|l yarg o|sa arda p|||r, arlara |a|r:
1. Verg||ul| prograr Asurars| lar| Tua. Asurars| lar| lua seoerarrya ada|ar prograr asurars| j|Wa yarg reroer||ar rarlaal pers|ur. Pr|rs|p dar|
prograr |r| ada|ar reroer||ar sejur|ar uarg lura| pada us|a lerlerlu |e|a| secara se|a||gus raupur secera oerlarap. Telap| apao||a lerjad| |eral|ar
pada arda ra|a |e|uarga arda a|ar rerer|ra sejur|ar uarg perlarggurgar dar| p|ra| asurars|.
2. Verg||ul| prograr 0ara Pers|ur 0ar| Perusarar 0ara Pers|ur. Ada 2 racar perusaraar dara pers|ur, ya|lu Perusaraar 0ara Pers|ur Peroer|
Kerja (0PPK) r|sa|rya perusaraar lerpal arda oe|erja rerge|o|a serd|r| prograr pers|ur |aryaWarrya. 0ar yarg |edua ada|ar perusaraar 0ara
Pers|ur Leroaga Keuargar, ya|lu perusaraar yarg |rusus rerjua| prograr pers|ur.
3. Verg||ul| prograr Jarsosle|
1. Veraourg serd|r|, ra|sudrya ada|ar arda re|a|u|ar |rveslas| |e da|ar laourgar, depos|lo, re|sadara alau oeroaga| produ| |rveslas| |a|rrya.
J||a arda rerasa oarWa prograr pers|ur yarg d|laWar|ar o|er perusaraar lerpal arda oe|erja |urarg reruas|ar, ra|a oeoerapa a|lerral|l d| alas o|sa
arda perl|roarg|ar da|ar rerpers|ap|ar pers|ur. Vergera| oesar |ec||rya selorar |rveslas| pada laourgar perd|d||ar raupur prer| asurars| pada
asurars| perd|d||ar, seruarya lergarlurg dar| oerapa largel dara perd|d||ar yarg |rg|r arda capa|. 3era||r oesar largel dararya oloral|s ra||r oesar
pu|a selorar |rveslas| alau prer|rya.
3arar saya j||a selorar |rveslas|rya ler|a|u oesar urlu| |erarpuar arda ra|a arda o|sa lurur|ar largel dararya.
3e|aral rerpers|ap|ar dara pers|ur dar dara perd|d||ar ara|l V||e R|r|
HENCATUR KEUANCAN 8ELAC| EKERJA 0AN 8EK0LAh
3yalr|| 3yale| --- Ja|arla
la|o, oeg|r| |eadaarrya. 3aya seorarg |aryaWar sWasla yarg juga seorarg raras|sWa 32 dar| seouar perguruar l|rgg| reger| ler|era| d| Ja|arla. Pada
Wa|lu |rg|r rerdallar |e 32, saya serpal rer|rjar uarg oerjur|ar cu|up oesar pada |arlor saya urlu| o|aya perdallarar, dar |a|r-|a|r. 3e|ararg o|sa
d|o||arg saya sedarg da|ar |eadaar rerc|c|| rularg saya pada |arlor saya. 3ererlara |lu, larpa|rya saya sudar reroulur|ar laroarar uarg da|ar
jur|ar cu|up oesar |ag| urlu| o|aya perdallarar u|arg dar |a|r-|a|r. Apa yarg rarus saya |a|u|ar, ya? Apa|ar el|s rergaju|ar p|rjarar |ag| |e |arlor,
padara| |red|lar p|rjarar saya yarg du|u oe|ur |uras leroayar? 3e|a|r |lu, oaga|rara ya ||al oerreral alau slraleg| rergalur |euargar seseorarg da|ar
pos|s| seperl| saya? (oe|erja, lap| juga sedarg rerye|esa||ar slud|).
Ter|ra |as|r alas respor dar a|lerral|l so|us| yarg d|oer||ar.
Jawaban:
la|o Pa| 3yalr||, serarg oer|era|ar dg Arda.
0a|ar |ord|s| |euargar arda saal |r|, ra|a yarg rarus Arda jaga ada|ar agar jur|ar lola| c|c||ar rularg Arda jargar sarpa| rera|ar pors| yarg ler|a|u
oesar dar| pergras||ar Arda. Jur|ar c|c||ar rularg yarg arar ada|ar seoesar ra|s|ra| 30 saja dar| gaj| Arda perou|ar, ser|rgga ras|r ada ruargar yarg
cu|up oag| Arda urlu| reroayar |eper|uar r|dup yarg |a|r. 0g der|||ar j||a saal |r| lola| c|c||ar rularg Arda perou|ar sudar |eo|r dar| oalas ra|s|ra|
d|alas, ra|a seoa||rya Arda l|da| rergaro|| p|rjarar oaru |e |arlor alau |epada p|ra| rarapur. J||a Arda rera|sa|ar d|r|, ra|a pors| rularg Arda
lerradap pergras||ar rerjad| |eo|r oesar, dar sera||r oesar rularg Arda sera||r l|da| seral |ord|s| |euargar Arda |arera a|ar reryeoao|ar |eoulurar
r|dup |a|rrya l|da| leroayar. 0ar urlu| rerulup |eoulurar lerseoul, o|asarya a|ar lerdororg urlu| oerrularg |ag|.
3arar saya, j||a rerarg lola| c|c||ar rularg Arda saal |r| ras|r |urarg dar| 30 perou|ar, ra|a rergaju|ar p|rjarar laroarar |e |arlor o|sa d||a|u|ar
dar per|u d||rgal ra| |r| l|da| ada ruourgarrya dg rasa|ar el|s alau l|da| el|s. Narur j||a lola| c|c||ar rularg Arda saal |r| oesarrya |eo|r dar| 30 dar| gaj|
Arda, seoa||rya Arda l|da| rergaro|| p|rjarar oaru. urlu| rergcover |eoulurar o|aya perdallarar u|arg dar |a|r-|a|r Arda o|sa perl|roarg|ar urlu|
r|rla oarluar pada orarg lua alau saudara de|al |a|rrya, dg cara oerrularg sejur|ar uarg rarur o|sa d|c|c|| da|ar jarg|a Wa|lu lerlerlu larpa ourga.
HENCh|TUNC KEUNTUNCAN 0C HENCCUNAKAN 6A8h A8|8 ATAU A66RUAL A8|8
lYAN 3uRYANT0 A8, 3E --- Ja|arla
Voa| V||e, saya purya perlaryaar yarg s|rg|al saja. Vara yarg |eo|r oa||/ rergurlurg|ar: perga|uar |eurlurgar dg rerggura|ar casr oas|s, alau dg
accrua| oas|s. 0ar s|sler rara yarg oarya| d|arul o|er perusaraar?
Jawaban:
la|o Pa| lyar, apa |aoar?
Pada dasarrya Cash 8asis ada|ar s|sler perou|uar, d|rara se|urur perge|uarar dar o|aya-o|aya d|a|u| seoaga| perge|uarar dar o|aya-o|aya pada
per|ode lerseoul oerdasar|ar rea||las peroayarar lura|. 3er|rgga sega|a perge|uarar dar o|aya-o|aya serla perer|raar yarg sudar d|ler|ra lura|rya
saja|ar yarg a|ar d|rasu||ar da|ar perr|lurgar casr oas|s.
3edarg|ar Accrual 8asis ada|ar perge|uarar dar o|aya-o|aya yarg d|a|u| dar d|ou|u|ar pada per|ode lerseoul oerdasar|ar peroayarar lura| serla
perge|uarar/ perer|raar l|da| lura| yarg jalur lerpo pada per|ode lerseoul. Corlor |orporer o|aya pada accrua| oas|s r|sa|rya o|aya peryusular, o|aya
seWa, o|aya d|oayar d| ru|a, o|aya yarg sudar jalur lerpo lap| peroayararrya oe|ur d|ler|ra.
Perga|uar |eurlurgar secara casn oas|s o|asarya oarya| d|gura|ar o|er o|sr|s alau perusaraar oers|a|a |ec||, dg perl|roargar |erudarar da|ar
perr|lurgar dar |epra|l|sarrya. wa|aupur der|||ar, perga|uar |eurlurgar oerdasar|ar accrua| oas|s |r| ou|ar oerarl| jaur |eo|r su||l, rarur rerarg
reroulur|ar |ear||ar dar perga|arar dar| yarg reryusurrya, |arera perr|lurgarrya juga |eo|r rur|l dar |eo|r oarya| |orporer o|aya yarg d|r|lurg,
rarur ras||rya |eo|r a|ural. 0g der|||ar, accrua| oas|s |eo|r oarya| d|gura|ar o|er o|sr|s alau perusaraar oers|a|a rerergar dar oesar, yarg |eo|r
reroulur|ar ras|| perga|uar |eurlurgar yarg |eo|r |orprerers|l, seoaga| dasar perercaraar slraleg| perusaraar d| rasa dalarg. V||e R|r|
HEN|LA| KARAKTER, |8AKAh?
Kara|ler, |ala |r| sargal perl|rg dar se|a|u jad| po|o| oarasar yarg rerar||. 8aga|rara ||la rergelaru| |ara|ler seseorarg? 8aga|rara ||la rer||a|
|e|aya|ar usara, yarg la|lor ulararya sargal lergarlurg dar| |ara|ler s| per||||. 8aga|rara rer||a| |ara|ler ca|or pacar? Ca|or rarlu? Alau |ara|ler
parlrer |erja ||la?
3aya |rg|r rercooa srar|rg perga|arar lerlarg oaga|rara cara rer||a| |ara|ler, yarg rudar2ar oergura.
1. Per||a|u/s|lal serar|-rar|
urlu| rergera| |ara|ler seseorarg, ||la rarus rergaral| per||a|urya serar|-rar|. 8aga|rara cara r|duprya, apa|ar d|a seorarg yarg ooros, alau
orarg yarg oerral|-ral| seoe|ur rergaro|| |epulusar. Apao||a ||la oe|erja d| peroar|ar, le|ar ada s|sler urlu| rer||a| apa|ar yarg oersarg|ular
rerpurya| |red|l racel d| oar| |a|r apa l|da|, oaga|rara r|Wayal p|rjarar d| oar| |a|r. 8aga|rara cara rasaoar yarg oersarg|ular rerge|o|a
|euargarrya (dapal d|||ral dar| rulas| re|er|rg |orarrya), apa|ar rulas| RK rya a|l|l apa l|da|? Narur |r| saja l|da| cu|up, d|per|u|ar pergaralar
yarg rerer|u|ar Wa|lu yarg cu|up |ara, urlu| rerarar| |ara|ler seseorarg.
2. Kor|lrer lerradap jarj|
Apa|ar seseorarg dapal reregarg jarj| yarg d|ucap|ar. Apa|ar d|a la| rudar lerpergarur alas perdapal orarg |a|r? 3eorarg alasar dapal rer||a|
apa|ar ara|ouar rya |aya| d|percaya, rerye|esa||ar lugas yarg d|oer||ar sesua| largel Wa|lu, Wa|aupur alasar l|da| ada.
3. Per||a|ar p|ra| |el|ga
K|la per|u rer||a| dar| p|ra| |el|ga, yarg arlara |a|r: lerar2 lerde|alrya, parlrer |erjarya, supp||errya (|a|au d|a purya usara), |orsurerrya
(oaga|rara d|a re|ayar| |orsurer, dar rerge|o|a comp|a|n), alasarrya, oaWararrya.
Yarg per|u d|sadar|, |ara|ler seseorarg dapal oeruoar se|r|rg dg peruoarar Wa|lu. 3eseorarg yarg du|urya sargal legur reregarg jarj|, sele|ar
usararya alau |ar|rrya su|ses, rerjad| seseorarg yarg |a|r. 0|er |arera |lu, da|ar sualu |erja sara, alau persaraoalar, ||la rarus lelap
rergeva|uas|, apa|ar orarg yarg rerjad| parlrer ||la lelap rerpurya| |ara|ler yarg oa||, dar lelap rerjaga |or|lrer oersara. 8ag| 8ar|, per|u
reror|lor usara rasaoarrya, dar lelap de|al dg rasaoarrya ser|rgga rasaoar rerasa 'd|orarg|ar ser|rgga ||la oerrarap d|a lelap a|ar rerjaga
|or|lrerrya. 8eg|lu juga ruourgar persaraoalar, alaupur ruourgar suar| |sler|, ||la lelap rarus reraWal ruourgar |r|, sa||rg rerjaga dar
rerperral||ar,ser|rgga d|rarap|ar ||la dapal rerarar| j||a lerjad| peruoarar, ser|rgga j||a lerjad| sesualu dapal d|peroa||| secara d|r|. la| |r| dapal
d||oaral|ar orarg yarg reraWal lararar, rarus d|s|rar, d| pupu| agar lararar segar dar reroer||ar ourga rya urlu| dapal d|r||ral|.
Kara|ler rerarg sargal rererlu|ar. usara o|sa rerurur, lap| j||a perusaraar rerpurya| |aryaWar yarg |ara|ler rya sargal oa||, dg serargal
|erja dar |or|lrer l|rgg|, ra|a |ord|s| usara dapal d|peroa|||. K|la dapal re||ral, oerapa oarya| perusaraar d| lrdores|a yarg oarg||l |eroa|| dar|
|elerpuru|ar, oar|ar rera|r su|ses, |arera adarya serargal oerjuarg dar| |aryaWarrya. 8eg|lu juga da|ar ra| rurar largga, j||a rerdapal
rasa|ar, ruourgar suar| |sler| yarg |ual a|ar o|sa rerye|esa||ar rasa|ar dg oa|| .
PERLUKAh HENCAH|L KRE0|T 0AR| ANK
8arya| orarg yarg rerpurya| pr|rs|p, oarWa j||a rerpurya| usara seoa||rya rarya rerggura|ar roda| serd|r|. la| |r| l|da| sa|ar, lelap| per|u d|sadar|
oarWa |euargar perusaraar leroalas, dar perlurourar perusaraar la| o|sa oer|argsurg pesal. Vergapa? Karera |aoa yarg d|pero|er perusaraar, pada
ururrya seoag|ar oesar d|pular |eroa|| da|ar oerlu| roda| |erja , serla rarya sed|||l yarg dapal d|gura|ar urlu| |rveslas| alau rer|rg|al|ar |apas|las
produ|s|.
0g perge|o|aar |euargar yarg lepal, |red|l 8ar| dapal d|rarlaal|ar urlu| rer|rg|al|ar |apas|las usara, se|a|r rerpurya| |eguraar |a|r, arlara |a|r
seoaga| oer||ul:
1. Pembag|an r|s|ko
0g pero|ayaar seoag|ar d|larggurg o|er 8ar| ( ururrya srar|rg |red|l 8ar|: urlu| |red|l |rveslas| 5 dar |red|l roda| |erja Z0), ra|a apao||a
lerjad| r|s||o ra|a pergusara rarya rerarggurg r|s||o seoesar srar|rg dararya. 0|er |arera |lu, seoa||rya perusaraar rer|sar|ar arlara rarla
perusaraar dg rarla pr|oad|, ser|rgga |a|au lerjad| sesualu, deo|lur o|sa oarg||l |eroa||.
2. Transparans|
0g rerdapal|ar pero|ayaar dar| 8ar|, pergusara d|pa|sa urlu| secara rul|r re|apor|ar pos|s| |euargar perusaraar, lerrasu| |aporar p|ularg dar
persed|aar r|r|ra| sel|ap lr|Wu|ar. 0g reroual |aporar |euargar, pergusara d|pa|sa urlu| oe|ajar rerarar| |ord|s| perusaraar oa, ro oa,,
ser|rgga rergelaru| secara pers|s ja|arrya perusaraar. V|sa||ar, rergapa perpularar p|ularg re|aroal, oerarl| ada p|ularg racel, ser|rgga per|u
d|ga|a||ar perag|rar p|ularg agar uarg dapal d|pular |eroa||.
Pelugas 8ar|, ururrya d|Wa|||| o|er /ccounr Dll|cer, a|ar reroarlu pergusara rerarar| |aporar |euargar, rerd|s|us||ar prospe| usara, |arera
8ar| juga d|lurlul urlu| re|apor|ar |o|e|l|o|||las |red|l yarg d|oer||ar |epada 8ar| lrdores|a. 0a|ar ra| |r| arlara rasaoar |red|l dar 8ar| |oaral
suar| |sler|, yarg |a|au perusaraar rasaoar sa||l, a|ar oera||oal pada 8ar|. 0|er |arera |lu rerupa|ar |eWaj|oar 8ar| urlu| rerarlau
per|eroargar usara rasaoar, agar oa|| rasaoar raupur 8ar| sara-sara rerpero|er |eurlurgar.
3. Hen|ngkatkan d|s|p||n
Pergusara/perusaraar d|pa|sa urlu| d|s|p||r reroual perercaraar, rergalur |euargar sesua| arggarar, rery|s|r|ar seoag|ar uarg urlu|
reroayar argsurar, reroual |aporar |euargar, rergasurars||ar oararg2 yarg rerpurya| r|s||o, lerradap |eoa|arar, |eoarj|rar, gerpa serla
r|s||o |a|rrya.
Pergusara juga d|s|p||r rergalur capex {0ap|ra| Expeno|rurej , rerercara|ar secara jarg|a rerergar alau parjarg, peroa||ar/|rveslas| yarg
d|per|u|ar perusaraar urlu| rer|rg|al|ar produ|s|.
8ar| a|ar rerarlau |ord|s| rasaoar r|r|ra| 3 (l|ga) ou|ar se|a|| (yarg d|||ral ada|ar |erarpuar casn l|ou urlu| reroayar, dar prospe|
perusaraar). Karera uarg 8ar| d|gura|ar urlu| rergeroarg|ar perusaraar, 8ar| oerl|rda| seoaga| pergaWas, |orsu|lar raupur seoaga| do|ler
o||a perusaraar rerurju||ar larda-larda perururar, agar dapal segera d||a|u|ar perye|aralar.
4. Pe|uang untuk mendapatkan networking
8ar| rer||||| rasaoar yarg oergera| d|oeroaga| o|darg usara. 3el|ap per|od||, 8ar| rergada|ar 'garner|ng alau leru rasaoar, yarg dapal
rerupa|ar ajarg sa||rg |era|, dar rerperleru|ar arlara supp||er dar oemano.
5. Pe|uang untuk men|ngkatkan pasar
3e|a|r re|a|u|ar perarlauar, 8ar| juga a|ar reroarlu rasaoar yarg d|r||a| |aya| urlu| rergeroarg|ar usararya, r|sa||ar rer|rg|al|ar pasar
|e|uar reger|. 0|s|r| perar 8ar| ada|ar reroarlu rasaoar urlu| rerarar| se|u| oe|u| lrarsa|s| dev|sa dar rerjaga agar perg|r|rar oararg |e|uar
reger| re|a|u| lrarsa|s| L/C ( lerrer ol creo|r) ser|rgga d|jar|r peroayararrya, |arera dar| 3ank ro 3ank.
RAhA8|A ACA|HANA HENUL|8 |KLAN AR|8 YANC HENCUNTUNCKAN
3erua orarg rerarg rau rerpero|er uarg yarg |eo|r oarya|. 0ar rerarg rerjad| |eryalaar oarWa serua orarg j||a oerpe|uarg rerarg rau
rerjad| |ayal Ada salu cara d|rara arda dapal rereru| ja|ar yarg aga| rudar oag| rerc|pla |e|ayaar yarg arda |rp||ar, ya|lu re|a|u| salu s|sler usara
secara pos yarg o|sa d|ja|ar|ar secara proles|ora|. la juga d|seoul seoaga| perjua|ar lerus.
3a|ar salu cararya |a|ar dg re|a|u|ar per|ara asas ya|lu reru||s |||ar oar|s(|ec||) yarg o|sa rergurlurg|ar |arera |a rerarg rudar urlu| d|pe|ajar|. J||a
arda rau su|ses da|ar rerja|ar|ar perusaraar secara pos, arda resl| rerggura|ar |ear||ar urlu| reru||s |||ar oar|s alau |||ar |o|or.
Pasl||ar |a o|sa rergras|||ar perjua|ar urlu| produ| alau pur jasa arda. Jad| apa|ar per|ara yarg dapal rerar|| perral|ar peroaca, corlorrya |a|ar arda
rarus reryala|ar apa yarg seoerarrya arda rau ryala|ar. Kedua |a rarus rerepal| roda| yarg arda rarpu urlu| re|a|sara|arrya.
0ar yarg |el|ga, |a rarus o|sa rergras|||ar |e|rg|rar, sara ada urlu| perlaryaar saja alaupur urlu| perjua|ar. Verdapal|ar perral|ar peroaca dar
rerar|| rere|a reroaca |||ar arda rerupa|ar ooje|l|l ulara yarg rarus arda |a|u|ar. Arda rarus o|sa rerasl||ar oarWa peroaca a|ar oerrerl|
seoerlar apao||a rerou|a ra|arar yarg rerapar|ar |||ar arda, Wa|aupur d|s|lu ada oarya| |||ar -|||ar |a|r pada ra|arar yarg sara.
3udar lerlu ada sualu RAlA3lA yarg o|sa rerjad||ar sel|ap peroaca oerrerl| se|el||a apao||a reralap |||ar ardal Jad| dua alau l|ga per|alaar perlara
yarg arda gura|ar rerupa|ar per|ara yarg pa||rg ulara dar |a per|u d|oer||ar |eularaar dar juga per|u|ar reroualrya re|a|u| salu |epulusar yarg
lepal. 0ar| ras|| perye||d||ar yarg d| ja|ar|ar, per|alaar-per|alaar ulara |r||ar yarg sargal d|per|u|ar urlu| rerar|| perral|ar peroaca.
la seperl| per|alaar 0RATl3, AN0A 8l3A 3uK3E3, AN0A 8l3A VEVPER0LEl uAN0 YAN0 8ANYAK, RAlA3lA, PERlATlANl dar per|alaar-per|alaar
|a|r yarg o|sa rerar|| perral|ar. lelap| Wa|au apa pur per|alaar yarg rau arda gura|ar urlu| reru|a| |||ar arda, arda juga rarus rer|||r|ar oarWa |a
juga rerpurya| sa|rgar yarg oarya| ya|lu |||ar-|||ar |ec|| dar| perusaraar |a|r d| ra|arar yarg sara.
0|er |arera |lu, per|alaar uTAVA arda |lu rarus dapal rerar|| perral|ar peroaca dg reroer||ar 'jarj| alau pur reroer||ar |eurlurgar yarg |eo|r
oarya|, yarg oa|a| d|ler|ra o|er peroaca. 0g |ala |a|r, arda rurg||r o|sa rerggura|ar per|alaar seperl| |r| : CARA VEVPER0LEl uAN0 YAN0
8ANYAKl
Vudar, |ar| a|ar rerurju||ar cararya |epada arda. 0|da|ar oarasa |||ar yarg proless|ora|, arda le|ar rerar|| perral|ar ca|or peroe|| arda, dar
rerar|| r|ral rere|a urlu| rer||||| produ| yarg d| |||ar|ar. Per|ara yarg leroa|| da|ar reru||s |||ar ||as|l||as| |a|ar cooa rerar|| r|ral peroaca
rergera| per|ara yarg 'd|laWar|ar. lr||ar per|ara yarg rerjad||ar sualu |||ar |lu o|sa su|ses alaupur l|da|.
6oba f|k|rkan mengena| perkara |n| - anda te|ah dapat menar|k perhat|an pembaca anda ; anda te|ah member|tahu mereka bahwa |a sangat mudah,
dan kemud|an anda menyuruh mereka me|akukan sesuatu. 8e|epas |tu baru|ah anda meneruskan |ag| |k|an anda dg |eb|h jauh ya|tu dg menawarkan
produk anda . 0| bag|an |n|, para pembaca akan memband|ngkan |k|an anda dg |k|an-|k|an |a|n yang juga b|sa menar|k m|nat dan perhat|an mereka,
kemud|an baru|ah mereka akan membuat keputusan untuk mem|||h |k|an yang pa||ng mereka m|nat| dan seterusnya mereka akan mem|nta
keterangan |anjut tentang produk yang d| tawarkan dar|pada |k|an yang pa||ng mereka m|nat| |tu.. Apa yang saya katakan dan maksudkan |a|ah ' d|
s|n||ah ' tempatnya untuk memasukan perkataan ' aja|b ' yang b|sa menghas||kan penjua|an seterusnya.
Jad| se|ararg cooa ||la oaca |a||ral |r| : AN0A lN0lN VEVPER0LEl uAN0 YAN0 8ANYAK , CARA Vu0Al 0AN VuRAl. 0lJAVlN l |a rerarg
rerar||. 3e|ararg peroaca sudar lerlar|| dg |a||ral dar|pada |||ar arda |lu dar rere|a l|||r, jargar |el|rgga|ar ..dar se|ararg ada|ar rasarya urlu|
rer|rla rere|a supaya reroual oayarar .3e|ararg rerupa|ar oag|ar yarg reryurur rere|a supaya oerl|rda|.. d| oag|ar |r||ar arda per|u rerggura|ar
per|alaar perargsarg seperl| :
TAwARAN TER8ATA3l 8ERTlN0AK 3EKARAN0 - TuLl3/lu8uN0l lARl lNl. lANYA...arda juga oo|er reru||s seperl| : 0APATKAN 00 8ANYAK l
Vu0Al /CEPAT/0lJAVlN l TaWarar leroalas, ||r|r|ar Rp1.000 |epada..lr| rerupa|ar raruar |||ar-|||ar yarg o|sa reroer||ar |esu|sesar yarg rara
|a rerpurya| ursur-ursur seperl| : PERlATlAN-VlNAT-KElN0lNAN-TlN0AKAN.
Tarpa rerasu||ar dar rero|ra erpal jer|s ursur-ursur |r| d|da|ar |||ar arda, ruslar|| oag| arda urlu| su|ses dar |a rarya a|ar reryeoao|ar o|aya
arda rer|rg|al larpa reroer||ar |eurlurgar apa-apa. per|ara yarg oaru saja |ar| oer|laru |epada arda |r| rarya|ar rerupa|ar asasrya saja d|da|ar
|||ar oar|s. 3ara ada |||ar lerseoul urlu| d|lerpal|ar d|da|ar perero|lar oesar alaupur |ec||, yarg perl|rg |a|ar urlu| rerar|| perral|ar peroaca seoarya|
rurg||r. 3e|ararg cooa perral||ar corlor seperl| yarg d|lu||s|ar d|oaWar |r|. la o|sa d|lu||s dg rerggura|ar cara asas reru||s |||ar. corlor seperl| d|
oaWar |r|:
RAlA3lA VEN0APATKAN uAN0 l 8aga|rara reru||s |||ar-|||ar yarg rergurlurg|ar . rudar urlu| d|pe|ajar|, o|sa rerggarda|ar respor ser|rgga l|ga
|a|| garda. K|r|r|ar Rp1,000 |epada A8C ENTERPRl3E. P0 80X 10, ujurgoerurg 1000, 8ardurg.
Po|nt yang d|gunakan |a|ah
1) Arda le|ar rerar|| perral|ar
2) Arda le|ar rerar|| r|ral rere|a
3) Arda le|ar su|ses reroual rere|a lerlar|| dg |a||ral-|a||ral yarg d|gura|ar yarg reroual rere|a |rg|r reroe|| produ| alau serv|s arda.
1) Arda le|ar su|ses reryurur rere|a oerl|rda| dg segera
larya dg rerggura|ar per|ara yarg asas saja |eurlurgar arda dg sargal rudar a|ar segera rer|rg|al. 3a|ar salu cara yarg leroa|| urlu| rerpe|ajar|
oaga|rara reru||s |||ar oar|s yarg oa|| |a|ar rercooa cara-cara seperl| yarg le|ar |ar| oer||ar d|alas.
8e|ajar reru||s rerggura|ar cara lerseoul urlu| produ| alau jasa yarg arda laWar|ar. Arda rarus ser|rg re|a|u|arrya supaya rerjad| rar|r dar
rerpero|er |de yarg oarya|. Apao||a arda reru||s |||ar, cooa peroa||| per|alaar-per|alaar , |a||ral-|a||ral dar paragral . Per|ara lera|r|r yarg per|u
d|aro|| perral|ar |a|ar rergera| rara dar a|aral arda , d| rara peroaca a|ar reroer| respor dar |erara rere|a rarus rerg|r|r|ar perlaryaar dar
sural reryural dar juga oaga|rara rere|a rau rerg|r|r|ar uarg |epada arda rarl|.
Pada ururrya, para peroaca a|ar reroer||ar respor yarg |eo|r ser|rg |epada |||ar yarg rergardurg rara d| oard|rg|ar dg yarg rarya rergardurg
a|aral saja. wa|au oaga|rara pur, d|seoao|ar |||ar oar|s rerggura|ar oayarar lergarlurg |epada oarya|ryarya per|alaar dar oarya|rya oar|s, ra|a
arda o|sa rerggura|ar rara yarg s|rg|al dar perde| saja asa||ar |a rerpurya| |a|lar dg |||ar arda.
Apa yarg perl|rg d| s|r|, |a|ar agar arda dapal reru||s |||ar dg r|rg|as lelap| dapal reryarpa||ar ra|sud arda. 0ura|ar rarya per|alaar yarg perde|,
rara dar |a||ral-|a||ral perde| sudar rerada| |arera yarg perl|rg |a|ar ' per|ara ' yarg rau arda sarpa||ar supaya dapal d|ler|ra dg rudar dar
je|as.
8eg|lu juga j||a arda rerggura|ar a|aral |arlor pos alau pel| sural |arlor pos. per|ara yarg pa||rg perl|rg supaya arda rerpero|er uarg yarg |urayar
re|a|u| |||ar |a|ar dg reru||srya secara oa||, serarl|asa reroual peroaruar, perye||d||ar dar rergaWa| o|aya urlu| |||ar arda. 3e|ararg arda laru
asasrya, l|rda|ar selerusrya ada|ar lergarlurg |epada arda. urlu| rerpero|er uarg yarg |urayar re|a|u| |||ar oar|s, arda rarya per|u rerperoa||| cara
yarg d|gura|ar dar| Wa|lu |e Wa|lu.
3e||ar, se|aral rercooa l
RAhA8|A ACA|HANA HEHENUh| PET| 8URAT AN0A 0C UANC 8ET|AP hAR|
RAhA8|A baga|mana memenuh| pet| surat anda dg uang set|ap har|, ataupun uang akan 0|K|R|H o|eh postman seh|ngga d|depan p|ntu rumah anda.
Hungk|n anda t|dak pernah mendengar dan sukar untuk mempercaya| perkara |n|, tetap| dg menggunakan beberapa cara anda b|sa mempero|eh
penghas||an yang |umayan d| rumah yang mana mungk|n |a akan me|eb|h| penghas||an atau gaj| anda sekarang.
urlu| rerdapal|ar uarg d| rurar dg cara |r|, arda l|da| per|u re|ela|ar jaoalar alaupur oerrerl| |erja |arera |a dapal d||a|u|ar rarya dg oeoerapa jar
saja da|ar ser|rggu. Vurg||r |r| ada|ar sa|ar salu cara yarg pa||rg rudar urlu| rercar| uarg alau usara d| rurar .
8a|||ar, se|ararg rar||ar rerpe|ajar| cara urlu| re|a|u|arrya. Apa|ar arda rau rerpero|er uarg laroarar, reraroar e|oror| |e|uarga, alau arda
rau rer||ral| r|dup yarg reWar, |lu ada|ar ra| arda, apa yarg perl|rg ada|ar arda rarus rau rerpe|ajar| cara yarg rudar |r| urlu| rercar| uarg
laroarar. Vercar| uarg d| rurar rerarg rudar oag| rere|a yarg rergelaru|rya , lelap| aga| arer oag| rere|a yarg se|ara |r| rarya laru oe|erja dg
orarg |a|r saja alau ra|ar gaj|.
Raras|arya |a|ar rerjua| produ| re|a|u| P03. Verarg oarya| se|a|| oararg yarg o|sa d|jua| re|a|u| pos, lerdapal oer|ou-r|ou jer|s oararg seperl| pers||,
pa|a|ar , |u||sar, oararg |eraj|rar largar, ser|rgga |epada oararg-oararg yarg oesar seperl| |orpuler. Telap| |ar| d|s|r| rarya |rg|r rererarg|ar salu
jer|s oararg alau jasa saja. Cara yarg |ar| ra|sud |a|ar VENJuAL lNF0RVA3l YAN0 0lCETAK secara pos. apa|ar |rlorras| yarg d|cela| ?
lrlorras|/ra||ural |a|ar oerupa sesualu per|ara yarg d|per|u|ar o|er serua rarus|a. Karera serua per|ara ada|ar |rlorras|. Corlorrya |su , oer|la ,
pe|ajarar, rasa|ar, roo|, pa|a|ar, lerr||, l|ps-l|ps dar racar-racar |ag| . 3eperl| parduar yarg se|ararg arda oaca , |a juga rerupa|ar salu |rlorras|
yarg rara arda sarggup ' reroayar ' urlu| rer|||||rya.
la rarya per|u d|lu||s sara ada arda rerdapal|ar seouar ||sar, cer|la, oacaar alaupur dg reroual perye||d||ar serd|r|, yarg perl|rg |rlorras| |lu
rerarg rerar|| urlu| d|oaca. 0g |lu |a o|sa cela| u|arg dar d|jua| |epada orarg |a|r dg rarga yarg |urayar. lrlorras| lerseoul l|da| rarus oerupa seouar
ou|u alaupur raja|ar.
lrlorras| lerseoul rurg||r oerasa| dar|pada salu per|alaar saja. Tap| per|alaar lerseoul sargal oerarl| urlu| reroual r|dup seseorarg rerjad| |eo|r oa||,
oarag|a, dar su|ses . Corlor per|alaarrya |a|ar uAN0, RAlA3lA, 3uK3E3.
3|apapur orargrya, a|ar rerjad| sargal sers|l|l dg per|alaar seperl| |r|. K|la r|dup d| dur|a yarg d|d|ar| o|er oerjula-jula rarus|a yarg rerpurya|
oeroaga| |eper|uar dar |e|rg|rar. 3e|ararg arda o|sa oe|ajar oaga|rara arda o|sa reru|ar|ar pergelaruar arda rerjad| uarg .
J||a arda rer||||| pergelaruar lerlerlu, corlorrya seperl| rergel||, rerjar|l, reryary|, rerasa|, oerdagarg, oercerarar, reru||s, rergajar,
rergerud|, oerra|r a|al rus|| dar seoaga|rya. urlu| reru||s|ar per|ara lerseoul, rurg||r rerer|u|ar pu|urar |eroar |erlas. Cooa CARl dar 3ELl0lKl
apa yarg arda |elaru| dar arda r|ral| ?
8ual perye||d||ar dar lu||s d| alas |erlas, |urpu||ar |rlorras| yarg oer|a|lar, dar j||a sudar |erg|ap arda l|rgga| reru||s|arrya dg rap|. j||a l|da|
rerpurya| |orpuler alau res|r l||, cooa|ar rerdapal|ar jasa dar|pada |aWar-|aWar arda. Vurg||r arda o|sa rerdapal|ar jasa gral|s dar| rere|a. 8er|
judu|/laju| yarg rerar|| dg rerggura|ar per|alaar seperl| RAlA3lA, lE8AT, PELuAN0, uAN0 dar seoaga|rya. J||a arda seorarg |ou, arda o|sa
rercer|la|ar rergera| lerr|| rerjaga oay|, peluar-peluar |eseralar, rasa|ar alau cara rerjaga ourga-ourgaar.
3el|ap orarg rer||||| 3E3uATu yarg rere|a |elaru| . K|la rarya per|u rerggura|ar apa yarg le|ar ||la |elaru| saja. J||a arda sudar rery|ap|ar
lu||sarrya, |a sudar o|sa d| cela| dg cara lolo|op|. Arda per|u rergelaru| oarWa d| dur|a |r| lerdapal oarya| orarg yarg rerpurya| |e|rg|rar dar r|ral
yarg sara seperl| ||la.
0|er |arera |lu, ||la o|sa rerjad| pemasok informasi |epada rere|a ya|lu dg rerjua| |rlorras| yarg ||la |elaru|. lrlorras| arda |lu rurg||r rarya 2
|eroar saja, lelap| ra| llu l|da| rerjad| rasa|ar yarg perl|rg o|sa oergura |epada rere|a. Arda o|sa rerjua|rya dg rarga 10 alau 20 r|ou, Arda o|sa
rererlu|ar r||a|rya serd|r|. l|da| su|ar urlu| rerjua| |rlorras| |lu |arera arda o|sa rerg|||ar|arrya d| da|ar sural |aoar alau raja|ar daerar.
Voda|rya juga |ec|| ya|lu arlara 50 ser|rgga 100 r|ou urlu| se|a|| |||ar. J||a arda rau rerceour| usara |r| secara ser|us, car| rara perusaraar yarg
rerar|| dar sesua| , ou|a re|er|rg oar|, oual |||ar , sed|a|ar |ala|og jua|ar yarg rerdallar|ar rarga jua|ar (parduar) |rlorras| arda.
Pe|ajar| sed|||l der| sed|||l, j||a arda le|ur pada a|r|rrya arda o|sa su|ses. l||ar|ar secara lerus rererus, dar |e|uar|ar seru|a uarg arda urlu| reroual
|||ar yarg |eo|r oarya|. J||a arda reryeWa |ola| sural, |a a|ar d|perur| dg sural dar pesarar yarg rergardurg uarg, oeg|lu juga j||a arda rerggura|ar
a|aral rurar, poslrar a|ar rergrarlar serua sural-sural ser|rgga d| depar p|rlu rurar arda.
J||a arda reroual |||ar yarg oarya|, sudar lerlu pesarar yarg a|ar arda ler|ra juga a|ar lerus rererus dar sera||r rer|rg|al. 3arggup|ar arda
rero|ar|ar uarg yarg sargal oarya| ler|epas sel|ap rar|, padara| se|ararg arda sudar laru cara urlu| rerdapal|arrya. llu|ar cara urlu| rerjad||ar pel|
sural arda d|perur| uarg sel|ap rar|. Vergapa arda l|da| rau rercooarya se|ararg ?
RAhA8|A HEN6|PTA PR00UK YANC HURAh 0AN |8A HEHPER0LEh KEUNTUNCAN
0AR| 5007 - 3000 7
Apa|ar produ| yarg rudar urlu| d|oual alau d|c|pla rarya dg rerggura|ar o|aya yarg rurar lelap| dapal rergras|||ar |eurlurgar yarg sargal oarya| ,
ra|ar l|da| per|u pu|a rery|rpar slo| oararg urlu| d|jua|. 8aga|rara urlu| rerpero|er |eurlurgar dar| 500 ser|rgga 3000 . |a sara dg 5 ser|rgga 30
|a||garda dar|pada o|aya peroualarrya.
3argal jararg d|da|ar perusaraar rarapur yarg o|sa rergras|||ar |eurlurgar yarg oarya| seperl| |r|. J||a ada pur, |a rerer|u|ar perge|uarar
sarp|rgar yarg oarya| seperl| o|aya pera|alar, leraga |erja paor||, oarar rerlar dar seoaga|rya. Va|ar dg rerggura|ar s|sler alau cara |r|, arda o|sa
rergras|||ar produ| arda serd|r| larpa per|u rerggura|ar o|aya apa-apa yarg oerupa uarg dar seoaga|rya . apa yarg d|per|u|ar rarya|ar l0E alau
8uAl FlKlRAN saja.
3e|a|r dar|pada |lu arda rarya rerer|u|ar |erlas dar pu|per . |r||ar oarar-oarar asas yarg d|per|u|ar urlu| rergras|||ar produ| arda rarl|.
Apakah produk yang d|maksud |tu?
Produ| yarg d|ra|sud d|s|r| |a|ar lNF0RVA3l_VAKLuVAT . Taru|ar arda, apa|ar |rlorras| |lu? |rlorras|_ra||ural ada|ar per|ara yarg d|gura|ar
dar d|per|u|ar o|er rarus|a d|da|ar sel|ap aspe| |er|duparrya. T|da| ada rarus|a yarg r|dup larpa rerggura|ar ra||ural alau |rlorras| apapur d|
da|ar |er|dupar rere|a serar|-rar|. ra||ural/|rlorras| leroag| |epada oeoerapa jer|s, Ada yarg sargal perl|rg , sederrara , |urarg oeg|lu perl|rg dar
l|da| perl|rg.
J||a arda rau rerdapal |eurlurgar yarg oarya|, urpararya dar| 500 ser|rgga 3000, p|||r|ar produ| lNF0RVA3l yarg PENTlN0 saja.
lNF0RVA3l alau ra||ural yarg perl|rg |a|ar sesualu yarg sargal d||ererda|| o|er |ra|aya| rara| dar rerpurya| PA3ARAN YAN0 LuA3. 0g
reraWar|ar |rlorras| perl|rg seperl| |r|, sudar lerlu |a a|ar reroer||ar ras|| alau |eurlurgar yarg oarya|.
Apakah |nformas| Yang Pent|ng |tu?
lrlorras| yarg perl|rg dar d||ererda|| o|er |ra|aya| rara| |a|ar |rlorras|/ra||ural yarg dapal reroarlu rergalas| rasa|ar yarg d|radap| o|er |ra|aya|
rara|. urpararya j||a seseorarg |lu rerpurya| rasa|ar |eseralar , arda per|u reraWar|ar |rlorras| yarg o|sa reroarlu rergalas| rasa|ar |eseralar
rere|a.
J||a seseorarg rergradap| rasa|ar da|ar rercar| pe|erjaar , arda per|u reraWar|ar cara-cara dar lerr|| urlu| rerdapal|ar pe|erjaar yarg d||rg|r|ar.
8eg|lu juga j||a seseorarg |lu rergradap| rasa|ar |ecarl||ar, rasa|ar da|ar ruourgar suar| |sler| dar seoaga|rya.
lrlorras|/Va||ural lerseoul o|sa d|laWar|ar d| da|ar oeroaga| oerlu| seperl|: ooal-ooalar, |aurse||rg, da|ar oerlu| do|urerlas| alau oergaroar ,da|ar
oerlu| lu||sar _ oarar yarg d|cela|, da|ar oerlu| p|la |asel, da|ar oerlu| p|la v|deo dar seoaga|rya. urlu| rerge|uar|ar alau rergras|||ar produ|
seperl| |lu, seoa||rya p|||r|ar cara yarg TERVu0Al , TERVuRAl 0AN AVAN.
Apa|ar produ| yarg rudar, rurar dar arar, dar oaga|rara cara rergras|||arrya?.
Produ| yarg rurar dar rudar urlu| d|ras|||ar |a|ar da|ar oerlu| oarar cela|ar dar lu||sar. la o|sa d|cela| d|alas |erlas, d|s|rpar d|da|ar |asel, d| da|ar
C0 R0V, P|la |asel, P|la v|deo dar |a|r-|a|r. J||a d|oual sa||rar (lolo|op|) rurg||r |a rarya rergardurg 3 ser|rgga 25 ra|arar. J||a salu ra|arar
rercela|rya rarya Rp80, oerarl| o|aya peroualarrya rarya arlara Rp 210 ser|rgga Rp2.000 oag| salu produ|.
j||a arda sudar rer||||| ra||ural/|rlorras| yarg d|ra|sud |lu , arda l|da| per|u rery|rpar slo| dar rergurpu||ar serua uarg arda d|s|lu. llu cara |ara
dar reruoaz|r|ar.
Cara yarg pa||rg arar |a|ar rerggura|ar cara PRlNT 0N 0EVAN0 j||a da|ar oerlu| oarar cela|ar d|alas |erlas. Arda rarya per|u rery|rpar sa||rar
VA3TER C0PY saja. J||a da|ar oerlu| d|s|el |orpuler, arda rarya per|u C0PY 0N 0EVAN0 ya|lu rarya per|u reroual sa||rar oaru |eda|ar d|s|el 3.5
|rc| dar| rard d|s| dr|ve arda. J||a da|ar oerlu| C0 R0V oerlu|rya ada|ar sara seperl| rerg-gura|ar d|s|el |orpuler. larya per|u d||e|uar|ar , d|cela|
dar d|sa||r, j||a ada perr|rlaar . jad| arda l|da| per|u rery|rpar slo| apa-apa.
J||a d|oual da|ar oerlu| p|la |asel , arda rarya per|u rery|rpar d|da|ar VA3TER TAPE saja , |erud|ar j||a ada perr|rlaar, oaru|ar arda o|sa rerya||r
|eda|ar p|la |asel |a|r yarg ras|r |osorg dg rerggura|ar pere|ar rad|o |asel d| rurar arda.
aga|mana Hempero|eh Keuntungan 5007 seh|ngga 30007
lr| ada|ar Wa|lu yarg sargal d|rarl| rarl||ar. urlu| rerpero|er |eurlurgar seoarya| |r|, perarar yarg pa||rg perl|rg ada|ar dg rer|rjau pasarar. Apa|ar
produ| yarg le|ar ada d| pasarar. Varpu|ar produ| arda rerar|| r|ral |ra|aya| rara|, Raras|a ulara urlu| rerpero|er |eurlurgar yarg oarya| |a|ar '
8aga|rara arda re|ela|ar rarga |epada produ| arda '. j||a produ| arda d|ras|||ar dg o|aya seoarya| Rp 2.000.
Arda dapal dar per|u rerjua|rya dg rarga arlara Rp20.000 ser|rgga Rp0.000 sel|ap salu. J||a o|aya perge|uarar seperl| rercela| , rerya||r |eda|ar
d|s|el, rerya||r |e da|ar C0 R0V o|ayarya Rp3.000 urlu| se|ep|rg 0l3KET dar C0 R0V, arda o|sa rerjua|rya dg rarga yarg l|rgg| seoarya| 10
ser|rgga 30 |a|| dar|pada roda|rya.
llu|ar |e|eo|rar rerjua| produ| da|ar oerlu| lrlorras|_Va||ural. wa|aupur ada sa|rgar , arda ras|r arar |arera produ| arda ada|ar r|||| arda dar
arda alur serd|r|. Arda o|sa rerge|uar|arrya serd|r| dg cara yarg rudar.
CARA VEVPER0LEl RP 1.500.000 3EVlN00u 0l RuVAl
lAVPlR Tl0AK PERLu VELAKuKAN PEKERJAAN
Apa|ar arda percaya oarWa ada cara urlu| rerpero|er uarg d| rurar dar rarp|r l|da| per|u oe|erja ? Ya l rerarg ada cararya dar oarya| yarg sudar
re|a|u|arrya. la ou|ar per|ara oaru dar arer j||a arda laru cararya. Kar| juga re|a|u|ar per|ara lerseoul dar rerpero|er pergras||ar yarg |urayar.
Arda a|ar rerdapal| oarWa |a oerar-oerar reroer||ar |e|e|uasaar dar| seg| |euargar dar juga Wa|lu d| oard|rg|ar dg apa yarg sedarg arda a|ar|
se|ararg. Keoarya|ar orarg lerpa|sa oe|erja se|ara 8 ser|rgga 10 jar sel|ap rar| dar rerpero|er pergras||ar yarg rarya rercu|up| urlu| d|r| serd|r|
saja larpa dapal rer||ral| |ereWarar seperl| yarg d||dar|ar o|er oarya| orarg.
3e|ararg arda a|ar rergelaru| oarWa seoerarrya ada cara urlu| rerpero|er pergras||ar laroarar secara sarp|rgar alaupur seperur Wa|lu yarg o|sa
d||a|u|ar d| rurar, yarg rara arda o|sa rerpero|er ser|rgga oeoerapa ralus alau jula rup|ar sel|ap ou|ar. Cara pa||rg rudar yarg d|ra|sud |lu |a|ar dg
rerja|ar|ar salu usara dagarg secara pos dg rerjua| oarar-oarar cela|ar yarg o|sa arda lu||s serd|r| alaupur arda oe|| dar| orarg |a|r dar rerpurya|
|z|r urlu| rercela| seru|a (repr|rl r|grls).
Alau arda o|sa rerdapal|ar oarar-oarar d|da|ar oarasa lrgger|s |erud|ar rerlerjerar|arrya serd|r|. 8arar cela|ar yarg d|ra|sud |lu ou|ar|ar rarus
seouar ou|u yarg leoa| ser|rgga pu|urar alau ralusar ra|arar |s|rya. Arda o|sa rerjua| sualu oarar oerupa |aporar alaupur parduar cara-cara urlu|
men|ngkarkan kua||ras o|r|, men|ngkarkan sumoer keuangan, men|ngkarkan kecanr|kan, men|ngkarkan ga,a n|oup, pergau|an, cara-cara menoaparkan
pekeraan, cara unruk menao| pen,an,|, cara unruk menao| ka,a, cara menan|r, menanam ounga ,ang |eoar oan oermacam-macam rop|k |a|n ,ang o|sa
o|l|k|rkan.
urlu| rercar| oarar |lu l|da||ar ler|a|u susar j||a arda seorarg yarg rau reroaca ou|u, raja|ar dar sural |aoar yarg rara arda o|sa rergul|p rercara
dar oer|la rergera| |esu|sesar seseorarg d|da|ar sualu o|darg |er|dupar. 8arya| se|a|| oarar yarg o|sa d|pero|er secara gral|s |lu |erud|ar |a o|sa
reroer||ar pergras||ar yarg |urayar |epada arda separjarg rayal. Corlorrya rudar, ||ral |epada d|r| arda serd|r| j||a arda rerpurya| |ear||ar
reroual oarar |eraj|rar dar| o|darg apa saja dar arda o|sa reru||s cara-cara lerseoul.
Arda o|sa rerero|l|ar parduar arda da|ar salu alau dua |eroar saja dar rerjua|rya dg rarga seoarya| Rp5.000 ser|rgga Rp10.000 seras|ar. 0rarg
a|ar sarggup reroayar rarga yarg d|laWar|ar asa||ar rere|a dapal ' lrlorras| ' Yarg rere|a |rg|r|ar. Vere|a l|da| a|ar oero|cara rergera| rarga j||a
apa yarg rere|a pero|er |lu o|sa reroarlu d|r| rere|a dar |e|uarga rere|a d|rasa depar. 0rarg rarya rerer|u|ar ra||ural/|rlorras| saja dar lugas
arda |a|ar reryed|a|ar |rlorras| lerseoul |epada rere|a yarg rerer|u|arrya.
J||a arda sudar rerpurya| oarar-oarar lerseoul, |arg|ar oer||ulrya |a|ar arda per|u rercar| cara urlu| rerasar|arrya . 8arar-oarar cela|ar seperl|
|lu rerarg rudar urlu| d|pasar|arrya j||a arda laru cararya. 3e|ararg arda dapal oe|ajar oaga|rara arda o|sa rergedar|ar oarar lero|lar arda |lu dg
re|uas dar oarya|. Cararya |a|ar dg reroual |||ar supaya |a d||elaru| |ra|aya| rara|. la juga seperl| rerguj| pasarar. 0apal|ar raja|ar dar sural |aoar
yarg rerpurya| ruargar |rusus urlu| reroual |||ar |ec|| sel|ap rar| dar r|rggu. luourg| rere|a apa|ar perg| |argsurg |e |arlor reda|s| alau re|a|u|
o|ro |||ar resr|rya.
Tarya|ar cara urlu| reroual |||ar, lar|l rarga yarg d|lelap|ar dar per|ara-per|ara yarg oer|a|lar dgrya. Perral||ar |||ar-|||ar |a|r, ||ral cara rere|a
reroual |||ar dar pe|ajar| per|alaar yarg d|gura|ar. Ada juga perusaraar sural |aoar yarg reryed|a|ar lorru||r |rusus urlu| rerasarg |||ar . Yarg
perl|rg, ruourg| rere|a l 0apal|ar |rlorras| yarg rercu|up| seoe|ur arda reroual |||ar. l||ar-|||ar oar|s seperl| |r| l|da||ar oeg|lu rara|, |a rarya
d|arlara Rp10.000 r|rgga Rp80.000 saja urlu| se|a|| lero|lar.
J||a arda sudar oersed|a urlu| rerg|||ar|ar, jargar |upa urlu| rerelap|ar largga| |apar Wa|lu yarg sesua| urlu| rerasarg |||ar. urlu| rerpero|er
uarg yarg oarya|, arda per|u rercooa dar lerus rercooa . 8u|arrya rarya dg reroual |||ar se|a|| lerus arda rerurggu uarg yarg oarya| dg seperur
rarapar.
Arda rarus serarl|asa ser|rg reroual |||ar sel|da|rya ser|rggu se|a||, ou|ar rarya d|da|ar salu sural |aoar saja, lap| seoa||rya d|da|ar oeoerapa sural
|aoar. 3era||r oarya| arda rerg|||ar|arrya d| da|ar oarya| perero|lar , ra|a sera||r oarya| orarg re||ralrya, dar sera||r ser|rg |a d||||ar|ar ra|a
rere|a sera||r percaya dar lerlar|| urlu| rergruourg| arda. llu|ar |ereoalar |||ar arda. Cara |r| rerupa|ar lerr|| leroa|| urlu| rerg|||ar|ar oarar-
oarar lero|lar arda. Arda o|sa reru|a|rya dar|pada |ec||-|ec||ar dar rer|rg|al ser|rgga oesar dar rurg||r arda rerer|u|ar pe|erja yarg reroarlu
arda .
Arda dapal re|a|u|ar pe|erjaar |r| sarpa| |apar pur yarg arda |rg|r|ar. Jargar |upa , seoe|ur arda rerg|r|r|ar produ| arda |epada pe|arggar,
ler|eo|r daru|u rerda||ar arda reryed|a|ar orosur alaupur |ala|og yarg rerdallar|ar oarar-oarar lero|lar arda dar laWarar |epada rere|a. 0|da|ar
|ala|og |r| arda rerda||ar rererarg|ar secara r|rg|as lerlarg produ| arda dar |e|eo|rar/|eurlurgar dar rarlaal yarg d| pero|er j||a rer||||| parduar
arda.
Jargar |upa reroer||ar rarga oararg yarg arda jua| dar d|serla| laWarar |sl|reWa. J||a da|ar ser|rggu arda reroual |||ar d|da|ar 2-3 perero|lar, dar
arda rerpero|er sural perlaryaar seoarya 300 pucu| sel|ap r|rggu . J||a arda rerjua| parduar oerrarga Rp30.000, arda rarya per|u rerjua| seoarya|
50 ras|ar ser|rggu.
Kerja seperl| r| l|da| susar urlu| d||a|u|ar j||a arda rerpurya| parduar yarg rerar|| dar d|per|u|ar o|er |ra|aya| rara| . J||a arda rerpurya| 1 ouar
parduar dar o|sa rerjua| rala-rala seoarya| 200 ras|ar ser|rggu, ra|a da|ar ser|rggu saja arda dapal rerpero|er pergras||ar seoarya|
Rp.000.000. 0a|ar seou|ar Rp21.000.000, selarur Rp288.000.000. ra| lr| o|sa arda |a|u|ar j||a arda reroual proros| |||ar secara re|uas d|da|ar
perero|lar yarg oarya|. 0ar arda o|sa rergupar lelargga arda urlu| reryusur |ala|og dar serua pe|erjaar |ecua|| oag|ar per|||arar.
0ar dg cara |lu, seo|ar-o|ar arda l|da| oe|erja. 3aya juga reroual per|ara yarg sara seperl| |r|. 3e|ararg saya rer||||| oarya| Wa|lu |aparg dar
rerpero|er pergras||ar yarg sargal |urayar sel|ap ou|ar. Arda juga o|sa l 8erl|rda||ar ru|a| se|ararg j||a arda rerg|rg|r|ar pergras||ar yarg |urayarl
Pe|uarg serarl|asa ada j||a arda rau re||ral |edepar secara pos|l|ll
RAhA8|A HEHPER0LEh Rp15.000.000 0ALAH wAKTU 15 hAR|
Verjua| produ|/jasa secara pos rerupa|ar salu cara dar usara pa||rg cepal oer|eroarg d|dur|a pada rasa se|ararg. 0|arggar|ar pada larur 1991 saja,
perjua|ar secara pos oerjur|ar S100 o||||or d| Arer||a saja. 8erjula-jula orarg dar|pada segerap |ap|sar rasyara|al dar dar| segerap perjuru dur|a
rerceour| usara secara pos dar jur|arrya sera||r oerlaroar sel|ap rar|.
8eoerapa orarg dar|pada rere|a rerpero|er pergras||ar ser|rgga ralusar jula rup|ar seoag|arrya rerpero|er oeoerapa pu|urar jula rup|ar dar ada
yarg rerpero|er pergras||ar laroarar oeoerapa jula rup|ar seou|ar.
0ar ada juga yarg se|adar rarya rercooa secara ra|r-ra|r dar rarya rerpero|er oeoerapa r|ou rup|ar dar lerus |eceWa. Perusaraar secara pos le|ar
rerar|| r|ral rarp|r sel|ap orarg dg rarapar urlu| rerjad| |aya dg |eo|r cepal. 3ecara ururrya |a l|da| rerer|u|ar pera|alar yarg rur|l, cu|up rarya
dg roda| yarg r|r|ra| dar l|da| rerer|u|ar ruarg |arlor yarg rara| seWarya.
Perusaraar secara pos rerupa|ar salu jer|s usara yarg o|sa d|ja|ar|ar o|er s|apa saja dar| rurar rere|a dg |e|uasa. Vergera| resep |esu|sesar d|da|ar
usara secara pos |r| |a|ar arda rarya per|u rerarar| apa yarg a|ar arda |a|u|ar. la ou|ar salu perra|rar alau pur salu per|ara yarg per|u arda |a|u|ar
dar cooa dg segera.
la rerupa|ar salu jer|s usara yarg rerer|u|ar salu perararar yarg oa|| rergera| oerda apa yarg orarg rau oe||, rergapa rere|a reroe||, dar
rarcargar perasarar yarg o|sa reroarlu arda |earar |esu|sesar. urlu| rerjad| |aya dar su|ses da|ar usara secara pos |r|, arda resl| rergelaru|
se|u| oe|u| dar p|ar perasarar.
0|er |arera |lu arda per|u oerl|||r rergera| produ| yarg arda rau jua| - s|apa yarg rau reroe|| - dar rergelaru| rergapa rere|a reroe||, dar
prograr yarg a|ar arda usara|ar urlu| rerjua|rya dar oaga|rara rere|a rau reroe|| produ| arda rarl|.
Cara pa||rg oa|| dar |dea| urlu| rerjua| produ| alau jasa ada|ar re|a|u| cara |r| - |arera |a reroer||ar lar||ar |epada oarya| orarg. lr| d|seoao|ar
|rlorras| yarg d|jua| a|ar reroer||ar pergelaruar dar juga parduar |epada rere|a dar rerjad||ar rere|a o|sa rerjad| |aya.
Pada dasarrya |a|ar serua orarg d|dur|a |r| rau rergelaru| cara oaga|rara urlu| rerjad| |aya - larpa per|u rerge|uar|ar uarg, Wa|lu dar usara yarg
oarya|. Jad| per|ara ulara yarg per|u arda |a|u|ar |a|ar re|a|u|ar perye||d||ar perasarar. Cooa ||ral da|ar serua perero|lar yarg rerapar|ar |||ar-
|||ar/ pe|uarg usara.
Cooa l|||r|ar rergapa rere|a re|a|u|arrya - dar oaga|rara rere|a re|a|u|arrya - |erud|ar car| lorru|a lerlarg rarcargar perusaraar arda supaya
arda o|sa rerg||ul| cara rere|a. 0g |rlorras| dar parduar urlu| rero|ra |e|ayaar yarg arda r||||| dg cepal, dar arda lerlu o|sa rerjad| 'pr|re source'
alau pur rerpurya| suroer ulara produ|.
Ada 2 cara urlu| arda ja|ar|ar. Arda o|sa rerjad| peru||s yarg a|ar pus|rg |epa|a urlu| rercar| oarar, alau arda o|sa reroe|| |aporar/parduar/ou|u
yarg o|sa d|cela| dar d|jua| seru|a dar arda o|sa rerjua|rya seoaga| r|||| arda.
3eoaga| peru||s, arda per|u reroual perye||d||ar, reru||s, rercela|, rerg|||ar|ar dar rererur| pesarar. J||a arda rerjad| pergedar arda rarya per|u
reroayar se|a|| saja, se|eo|rrya arda rarya per|u rerurpu|ar pada usara perjua|ar saja. Arda juga ras|r per|u rergerda|||ar percela|ar, per|||arar
dar rererur| pesarar - lelap| arda rerpurya| |e|eo|rar urlu| rer|||r dar rarya rergaro|| produ| yarg o|sa reroer||ar uarg yarg oarya| |epada
arda.
3eperl| |eoarya||ar peru||s, rarya 10 dar|pada rere|a rergrao|s|ar Wa|lu urlu| reroual perye||d||ar, reru||s dar rergararg. Peru||s per|u
reroual usara yarg |eo|r oarya| d| oard|rg|ar rerjad| pergedar d|rara rere|a rarya per|u rerjua| saja.
Perye||d||ar yarg arda ja|ar|ar rarus rerjad||ar arda rerdapal |de yarg oa|| urlu| rerjua| - apa yarg orarg rau oe|| - dar laju| apa|ar yarg o|sa
rerdalarg|ar r|ral orarg urlu| reroe|| dar rerdapal |eurlurgar. Per|ara selerusrya |a|ar arda per|u reroual perye||d||ar d|da|ar oeroaga|
perero|lar, |rususrya sural |aoar rar|ar dar r|rgguar yarg reraWar|ar ruarg |||ar urlu| |||ar |ec|| dar usara secara pos.
Keoarya||ar perg|||ar a|ar rerpero|er |eurlurgar re|a|u| |||ar rere|a. F|||r|ar prograr yarg rara|ar yarg rau arda ja|ar|ar dar oaga|rara arda
o|sa rerpero|er uarg re|a|u|rya. l||ar yarg pa||rg oa|| |a|ar yarg reraWar|ar laWarar gral|s alaupur rarcargar perasarar urlu| rerdapal|ar uarg.
l||ar arda rurg||r seperl| |r| : LAP0RAN 0RATl3 l ' Raras|a urlu| rer||||| perusaraar yarg oerr||a| r||yarar rup|ar da|ar usara secara VLV '
larlar|ar sarpu| sural oerprarg|o |||al dar oera|aral serd|r| |epada (rara dar a|aral arda)
0a|ar reroa|as sural-sural yarg arda ler|ra re|a|u| |||ar lerseoul, rarlar|ar |epada rere|a |elerargar r|rg|as separjarg salu ra|arar perur yarg
rererarg|ar RAlA3lA VLV secara r|rg|as.
Kerud|ar sed|a|ar 'Forru||r pesarar' d|oag|ar oaWar ra|arar lerseoul urlu| rere|a yarg oerr|ral rergera| VLV supaya rere|a o|sa reresar
|aporar/parduar yarg rere|a |rg|r|ar dg rarga Rp15.000 alau Rp20.000 urlu| RAlA3lA |erg|ap VLV |lu. Arda juga o|sa reryerla|ar laWarar |a|rrya
'parduar/|aporar RAlA3lA' d|da|ar sural lerseoul supaya rere|a o|sa reroe|| parduar yarg |a|r juga.
Pada Wa|lu yarg sara, susur rara dar a|aral, lu||s dar s|rpar rara orarg-orarg yarg rergrarlar sural perlaryaar alau yarg reroe|| parduar /
|aporar |euargar |lu. Arda se|ararg sudar o|sa rer||||| dallar rara pe|arggar yarg o|sa d|gura|ar serd|r| alaupur o|sa d|seWa|ar/d|jua| |epada orarg
|a|r |rususrya |epada rere|a yarg rerja|ar|ar usara secara pos dar rerjua| s|sler |euargar yarg |a|r.
Ve|a|u| cara |r| arda o|sa rerpero|er pergras||ar dar |eurlurgar yarg |urayar. 3|rpar prarg|o yarg arda pero|er dar|pada sural-sural lerseoul dar
arda o|sa rerjua|rya |epada pergo|e|s| prarg|o (per|ral l||ale|y) dg rarga yarg rara|.
Cara |a|r urlu| reroual |||ar |a|ar dg reraWar|ar ou|u alau |aporar arda urlu| d|jua| lerus re|a|u| |||ar lerseoul. Corlorrya seperl| oer||ul : ' RAlA3lA
uNTuK VEVlLlKl 8l3Nl3 VLV YAN0 8ERNlLAl RATu3AN JuTA RuPlAl Parduar leroaru yarg d|rar|| reroer||ar raras|a. K|r|r|ar Rp3,000 |epada
(rara dar a|aral arda).
Telap| rerarg aga| su|ar urlu| rerjua| sesualu produ| lerus re|a|u| |||ar |ec||, |arera ruargarrya l|da| cu|up urlu| rercer|la|ar serua lerr||
perjua|ar. Telap| j||a arda rau reroual perjua|ar re|a|u| |||ar |ec||, arda rarus reroer||ar rarga yarg |urarg dar|pada Rp5.000 urlu| produ| arda.
Produ| yarg oerrarga Rp3.000 a|ar |eo|r rerar|| r|ral rara| peroe|| d| oard|rg|ar dg yarg oerrarga l|rgg|.
Produ| yarg oerrarga Rp5.000 rarus d|oual re|a|u| ruarg |||ar yarg oeru|urar sel|da|rya salu |rc| perseg|. 0ar produ| yarg oerrarga Rp20.000 serarusrya
d|jua| re|a|u| ruarg/|o|or |||ar salu ra|arar perur oeru|urar A1 alau 8 x 11 |rc|. 0ar produ| yarg oerrarga re|eo|r| Rp10.000 serarusrya d|jua| re|a|u|
sural jua|ar yarg d|lu||s dg |eo|r proless|ora|.
Apao||a arda rau reru|a| usara secara pos |r|, cooa lurpu|ar |epada jer|s |||ar yarg |ec|| du|u (l||ar oar|s/|o|or) - uj| |e|ualar lar||ar |||ar arda dar
produ| arda. Cooa oual ara||sa, oer|al|r dar reru||s seru|a oeoerapa |||ar yarg d|oual o|er orarg |a|r dar oual uj|ar re|a|u|rya, sele|ar |lu oual |||ar
d|da|ar salu alau dua ouar perero|lar saja.
Cooa|ar oual uj|ar dar |aj|ar ser|rgga arda o|sa rereru| |esu|sesar. 0g |ala |a|r j||a |||ar arda o|ayarya Rp0.000 dar arda rerpero|er urlurg
seoarya| Rp250.000 - aro|| |eroa|| Rp250.000 lerseoul dar gura|ar urlu| rerasarg |||ar yarg sara urlu| oeoerapa |a|| lero|lar., ou|ar rarya d|da|ar
perero|lar yarg sara lelap| d|da|ar oeoerapa ouar perero|lar yarg oeroeda.
0ura|ar |eurlurgar yarg arda pero|er |lu urlu| d|jad||ar roda| |eroa|| d|da|ar oeroaga| perero|lar oag| lujuar |||ar dar proros| - o|ar |eo|r oarya|
orarg yarg dapal re||ral |||ar arda. 3aya rerg|rgal|ar supaya arda l|da| ler|a|u rergrarap supaya arda dapal r|dup serarg dg cepal re|a|u| usara |r|
pada per|rg|al aWa|.
3eoao |lu|ar ler|eo|r daru|u |a per|u d|ja|ar|ar secara sarp|rgar seoe|ur arda rerarcarg oerrerl| |erja |ecua|| arda rerpurya| s|rparar yarg
rercu|up| urlu| lerpor 3 - ou|ar. Kesu|sesar d|da|ar usara secara pos |r| |eoarya|ar lergarlurg |epada perararar roda| yarg oarya| d|da|ar
per|||arar. 3ed|a|ar seoarya| Rp100.000 dar pasarg |||ar d|da|ar perero|lar yarg rerpurya| l|ras yarg oarya| dar re|uas.
urpararya arda rerpero|er Rp300.000 dar| roda| seoarya| Rp100.000 lad|, aro|| Rp300.000 lerseoul dar larar|ar |eroa|| seoaga| roda| urlu| lujuar
|||ar d|perero|lar yarg sara alau d| oeoerapa perero|lar yarg |a|r. 0g |lu |eurlurgar yarg arda pero|erar a|ar rerjad| l|ga |a|| garda, dar lerus |a|u|ar
oeg|lu secara lerus-rererus.
0g reroual |||ar yarg |eo|r oarya| d| oeoerapa perero|lar, ra|a da|ar Wa|lu erar ou|ar saja arda a|ar dapal rerpero|er pergras||ar ser|rgga o|sa
rercecar 8 arg|a (Rp10.000.000) seou|ar. lr||ar raras|a yarg rudar urlu| rerjad| |aya d|da|ar perusaraar secara pos |r|. 3eroga arda a|ar lerus
oerusara dar su|ses.
8A0AlVANA VEVPER0LEl RP 100.000.000 3ETAluN 00 VENJA0l PENER8lT 0l RuVAl
YAN0 V00ALNYA KuRAN0 0ARl RP200.000.
Pada zaman sekarang |n| , s|apa saja b|sa menjad| penu||s dan penerb|t sepenuh waktu d| rumah dan mempero|eh penghas||an seh|ngga |eb|h dar|
Rp100.000.000 setahun atau |eb|h dar| Rp8.000.000 set|ap bu|an.
Arda o|sa reru|a| perusaraar |r| da|ar Wa|lu |urarg |eo|r 2 r|rggu saja . 8|darg perero|lar dar peru||sar rerupa|ar sa|ar salu o|darg usara yarg
oerpreslas| yarg o|sa arda ceour|, dar arda a|ar rerdapal| oarWa oer|ou-r|ou orarg d| se|urur dur|a a|ar reroaca |de dar per|||rar arda .
Arda rerpurya| |e|uasaar urlu| rerpergarur| |er|dupar orarg |a|r dar arda a|ar rerpero|er |eurlurgar yarg oarya| d| da|ar proses lerseoul . 0g
le|ro|og| ler||r|, 0es|lop puo||sr|rg alau perero|lar reja a|ar rerjad| salu cara yarg l|da| ruslar|| urlu| d||a|u|ar .
Te|ro|og| |orpuler le|ar reroo|er|ar ||la urlu| rerjad| peru||s dar rerero|l|ar ou|u-ou|u , parduar-parduar , resep rasa|ar dg cara yarg |eo|r rudar
serla o|aya yarg rurar . Vasa|arrya |a|ar ou|ar oaga|rara urlu| rercela| alau rerero|l|ar ou|u lerseoul lelap| yarg pa||rg perl|rg |a|ar oaga|rara
urlu| rergedar|arrya l
Hemasarkan uku Anda
3a|ar salu cara urlu| rerudar|ar pergedarar ou|u arda |a|ar dg rergedar|arrya serd|r| . Apao||a pasarar le|ar arda dapal|, ra|a dg rudar arda o|sa
rergedar|arrya serd|r| . J||a arda rerasar|ar ou|u arda dg oelu| ra|a arda a|ar dapal rerjua| urlu| se|ararya .
Va|ar |a rerjad||ar arda o|sa rerpero|er pergras||ar oerjula-jula rup|ar sel|ap ou|ar . 0ar sel|ap ou|u oaru yarg arda lu||s a|ar rerjad| salu suroer
laroarar yar oaru. 0ar apao||a arda le|ar dapal reru|a| usara |r|, |a su|ar d|rerl||ar Wa|aupur arda rau oeroual der|||ar .
8agaimana 3aya Memulai Penerbitan 3aya 0gModal Rp100.000
Perlara |a|| saya reru|a| o|sr|s da|ar o|darg perero|lar |r| rarya|ar dg roda| seoarya| Rp100.000 urlu| reroual |||ar |ec||. Apa yarg sargal
rera|juo|ar |a|ar |||ar dar perararar roda| yarg |ec|| |r| le|ar reroer||ar |eurlurgar seoarya| oeoerapa ralus r|ou rup|ar sel|ap ou|ar .
Hemang t|dak mencukup| untuk menyara h|dup, tetap| set|dak-t|daknya saya te|ah mempero|eh penghas||an dg usaha kec|| |tu saja . 8aya terus
menanamkan moda| dar| semua keuntungan yang saya pero|eh| d| da|am beberapa |k|an |a|n .
las||rya ser|rgga se|ararg saya oerras|| rerpero|er pergras||ar oeoerapa jula rup|ar sel|ap ou|ar , ra|ar jur|ar |r| jaur |eo|r oesar d|oard|rg|ar
pergras||ar saya d|rasa |a|u d| da|ar o|darg |erja yarg perrar d|ceour| . Va|ar ada |a|arya saya o|sa rerpero|er ser|rgga re|eo|r| sejula rup|ar serar| l
T|da| ruslar|| arda juga rarpu re|a|u|arrya se||rarya arda rergelaru| raras|arya.
3atu Rahasia Yang harus Anda Ketahui 0ntuk 3ukses
3a|ar salu raras|arya |a|ar arda jargar rerg||ul| pasarar, lelap| o|ar|ar pasarar yarg a|ar rerg||ul| |ererda| arda . Arda rurg||r rarus rergelaru|
dar rerarar| sualu pasarar , seoaga| corlor arda rarus rergaro|| perral|ar |rusus alau rerlo|us|ar |epada apa yarg |ra|aya| rara| r|ral| . Arda
rarus oerar| rergaro|| pedu|| apa yarg sedarg oer|a|u d|se|e||||rg arda.
Menukar ide Anda Menjadi 0ang Jutaan Rupiah
wa|aupur arda l|da| laru reru||s, arda ras|r o|sa rerggura|ar jasa orarg |a|r urlu| reru||s oag| p|ra| arda . Arda rarya per|u rercar| sesualu lop||
alau laju| saja . 3aya o|sa rerurju||ar |epada arda cara urlu| reru||s se|a||pur arda l|||r|ar oarWa arda l|da| o|sa . Arda o|sa rer||||| ou|u yarg
rerar|| seoaga|rara yarg lerdapal d| lo|o-lo|o ou|u dg rarga d| oaWar Rp3.000 seouar .
la o|sa d|jua| pada rarga dar| Rp10.000 - Rp90.000 seouar . 3udar lerlu|ar rere|a l|da| rarya reroayar rarga ou|u lerseoul lelap| seoa|||rya rere|a
reroayar urlu| rerdapal|ar |rlorras| lerseoul . Keurlurgarrya sargal rera|juo|ar dar seoao |lu|ar |a rarpu reroer||ar |eurlurgar yarg oesar
da|ar Wa|lu yarg s|rg|al o||a d| oard|rg|ar dg usara |a|r.
3eoga| perero|l rurg||r seoag|ar oesar Wa|lu arda rarya d|gura|ar urlu| reroual perye||d||ar saja . 0g re|a|u|ar per|ara |r|, arda ou|ar saja a|ar
rerpero|er pe|ajarar dar |de oaru, lelap| apa yarg |eo|r perl|rg |erja-|erja arda |r| a|ar rergras|||ar |eurlurgar yarg aral |urayar se|a|| apao||a arda
rergedar|ar dar rerjua|rya . 0g |ala |a|r arda a|ar d|oayar seWa|lu arda sedarg oe|ajar .
8u|ar saja pergelaruar arda a|ar rer|rg|al, ra|ar re|er|rg oar| arda juga a|ar lerus rer|rg|al. Arda juga a|ar rerasa gero|ra |arera
|rlorras|/ra||ural yarg arda oer||ar |lu a|ar reroer||ar |eurlurgar |epada r|ouar orarg . lr| rarya|ar seoag|ar |ec|| usara arda urlu| reraju|ar
dur|a |r|, dar arda rerpurya| pe|uarg urlu| rerjad| '8E8E0RANC '. yarg |eoarya|ar orarg l|da| laru oaga|rara urlu| sarpa| |e larap |r|, lelap| arda
o|sa re|a|u|arrya .
la 3eperti 3atu Permainan
Arda per|u rergerl| oarWa perusaraar |r| ou|ar rarya urlu| d||a|u|ar se|a|| saja. la o|sa d|ja|ar|ar se|ara yarg arda rau . la oerlurgs| dg rerggura|ar
lorru|a lerlerlu . Apao||a arda le|ar rereru| |oro|ras| |r|, arda rarya per|u rererus|arrya dar lerus rerproros||ar alau arda o|sa reroer||ar
perusaraar |r| |epada orarg |a|r urlu| rerja|ar|arrya dar arda rarya rerer|ra roya|l| saja .
Kebebasan Keuangan 0gMemiliki Perusahaan Penerbitan 3endiri
urlu| rerpero|er pergras||ar seoarya| Rp100.000.000 selarur, arda rarya per|u rerjua| seoarya| 11 ouar ou|u ser|rggu yarg oerrarga Rp50.000.
J||a arda l|||r arda rau dar o|sa re|a|u|arrya, oerarl| arda sedarg reruju |earar |esu|sesar dar |eurlurgar oesar d|da|ar perusaraar perero|lar |r| .
J||a d||a|u|ar dg oerar arda o|sa rerpero|er |eo|r oarya| darpada Rp100.000.000 sel|ap larur . 3aya sargal ya||r, |a salu usara yarg rudar dar
reryerarg|ar . Pe|uarg pergras||arrya l|ada oalasar . J||a arda rau rerpe|ajar| |eo|r rerda|ar |ag| rergera| usara seperl| |r|, arda o|sa rergruourg|
6reat|ve Team. 3el|ap perlaryaar arda a|ar d||ayar dg oa||.
RAhA8|A HEHPER0LEh RP 200.000 8EhAR| 0C HENJUAL |NF0HA8| 4 hALAHAN KERTA8
Arda |rg|r rergelaru| RAlA3lA VEV8uAT 0ulT lANYA 0ARl RuVAl? Ya sudar lerlu rerarg ada cararya yarg 3Al serla rudar. T|da| oarya|
orarg yarg rergelaru| RAlA3lA lE8AT |r|. Telap| |a l|da| arer dar |uar o|asa sele|ar arda rergelaru|rya.
Kar| a|ar lurju||ar |epada arda oaga|rara arda o|sa rerpero|er uarg dg cara yarg |eo|r rudar dar cepal, dg rarya rerjua| ra||ural alau pur
|rloras| yarg rara oarya| orarg rau reroayar uarg |epada arda urlu| rerdapal|ar |rlorras| lerseoul. 0rarg oarya| a|ar oereoul-reoul rerdapal|ar
|rloras| yarg a|ar reroarlu rerguoar |er|dupar rere|a.
Va|ar s|sler |r| l|da| rarya o|sa d|pra|le|ar seWa|lu e|oror| seouar Negara |lu oa||, lelap| |a juga o|sa d|ja|ar|ar seWa|lu |eadaar e|oror| rerosol
seperl| yarg oer|a|u se|ararg |r|. Va|ar rasa se|ararg |r||ar rerupa|ar yarg pa||rg oa|| urlu| reru|a|rya.
Keoarya|ar orarg rarya oergarlurg |epada salu jer|s pergras||ar d|da|ar r|dup rere|a ya|lu dg oe|erja ra|ar gaj|. Vere|a rarya rergu|ur |e|aya|ar
rere|a re|a|u| |e|u|usar a|ader|| yarg d|r|||||. Pada rasa |r| seoerarrya sudar oarya| se|a|| pe|uarg oag| s|apa saja urlu| rerja|ar|ar perusaraar dar|
rurar rere|a apa|ar rere|a l|rgga| d||ola alau pur d|desa.
3e|a||pur arda rarya rerja|ar|ar perusaraar arda dar| rurar, polers| urlu| rerpero|er pergras||ar yarg oarya| dar |urayar ada|ar sargal cerar. 0g
adarya perc|plaar a|al-a|al |orur|as| yarg ada se|ararg seperl|; le|epor, lp, res|r la|s, res|r rerjaWao le|elor oloral|s, corpuler, era||, |rlerrel, res|r
lolo|op| dar |a|r-|a|r le|ar rerudar|ar sesualu lugas dar pe|erjaar.
8arya| pe|erjaar dar urusar dapal d||a|u|ar dg |eo|r cepal dar rudar larpa per|u rer|rgga||ar rurar dar |e|uarga arda serla o|sa d||a|u|ar secara
sarp|rgar sele|ar Wa|lu |erja alau d|ujurg r|rggu. 0ar j||a d||a|sara|ar dg oerar dar leralur, arda o|sa rerpero|er pergras||ar rar|ar, r|rgguar,
ou|arar yarg sargal |urayar.
Pergras||ar arda o|sa re|eo|r| gaj| arda. Kar| a|ar rerurju||ar cararya dar |a o|sa d|pe|ajar| dg rudar. la ada|ar salu perusaraar lNF0VA3l alau
VAKLuVAT. Arda rurg||r rerpurya| oeroaga| |rlorras| yarg oer|a|lar dgr sesualu |su dar per|ara.
J||a |a d|o|ar rerjad| oerlu| lerlerlu sudar lerlu |a dapal reroer||ar pergras||ar |epada arda dg syaral arda rau rerjua| dar rerasar|arrya. 0ar| seg|
pergras||ar, rarya |arg|l saja yarg rerjad| oalasarrya. wa|au oaga|rarapur |ar| a|ar reroer|laru oaga|rara arda o|sa rerpero|er Rp200.000 serar|
dg |rlorras| lerlu||s seoarya| 1 ra|arar.
lNF0VA3l ada|ar salu oarar yarg secara a|ar| Wujud d|da|ar |er|dupar rarus|a. Tarpa |rloras| dar ra||ural rarus|a l|da| a|ar |erara-rara. Zarar
|r| ada|ar zarar d|rara |eda|ar |rlorras| oer|a|u d|se|urur dur|a dar ruourgar |orur||as| g|ooa| sera||r rergec|| a||oal |ecargg|rar le|ro|og| corpuler
pada Wa|lu |r|.
0ar d|aoad yarg a|ar dalarg juga rarus|a a|ar sera||r |uas rerggura|ar le|ro|og| urlu| oer|orur||as| sesara rere|a. J||a ada s|apa saja d|arlara
arda rergala|ar oarWa arda l|da| rergelaru| apa |lu |rloras|, sesurggurya rere|a sudar l|da| rarpu |ag| oersa|rg urlu| raju |edepar dg |eo|r
su|ses.
lrloras| ada|ar ra||ural, apa|ar |a urlu| perusaraar, |ar|er, pe|ajarar, ||ru pergelaruar, goss|p, |aoar arg|r alau rurors. 3era||r raju sesualu
|rloras| pos|l|l yarg d|gura|ar o|er sesualu oargsa, ra|a sera||r raju|ar laral |er|dupar rere|a oa|| dar| seg| ||ru pergelaruar, perdagargar,
|euargar, r||a| rora| dar seoaga|rya.
lrloras| ada|ar serjala oergura dar |a o|sa jad| oeroaraya j||a d|sa|ar gura|ar. 3e|ararg |ar| a|ar rergala|ar lNF0VA3l VEV8uAT uAN0 yarg o|sa
reroarlu arda rer|rg|al|ar laral |euargar arda dar rarpu rerguoar laral |er|dupar arda supaya rerjad| |eo|r oa|| |ag| d|rasa yarg a|ar dalarg.
3el|ap rar| ||la a|ar oerradapar dg lNF0VA3l / VAKLuVAT oaru d|da|ar |er|dupar dar sel|ap rar| ||la juga a|ar rerjad| sera||r o|ja| dar deWasa
re|a|u| perer|raar dar peryarpa|ar |rlorras| lerseoul. 3e|ararg arda a|ar d|ajar oaga|rara VENuKAR lNF0VA3l 8lA3A VENJA0l uAN0 YAN0
LuVAYAN.
larya dg rerggura|ar oeoerapa cara dar lerr|| arda o|sa rergras|||ar uarg yarg sargal |urayar re|a|u| |rlorras|-|rlorras| yarg oerada d|se|e||||rg
arda. Arda o|sa rerdapal|ar |rlorras|-|rlorras| lerseoul re|a|u| oacaar, corlorrya re|a|u| |aporar-|aporar seperl| |r| d|rara arda |rg|r rergelaru| cara-
cara rerpero|er uarg dar| rurar.
Arda o|sa reroaca sural |aoar, raja|ar o|sr|s dar |euargar. Vergrad|r| |ursus dar ser|rar |eusaraWarar. 8ag| orarg yarg |real|l dar o|ja|sara, rere|a
dapal rerjad||ar sesualu per|ara dar |su |lu urlu| rerdapal|ar uarg. urlu| rercar| uarg oerarl| arda rarus laru rercar| pe|uarg d|rara dar apa yarg
d|per|u|ar o|er |ra|aya| rara|.
Corlorrya j||a rere|a rau rercuc| pa|a|ar dg oers|r, arda per|u reraWar|ar 3A8uN PENCuCl YAN0 8AlK,. urlu| rercar| uarg dg cara rudar
rerarg ada cararya, lelap| j||a arda rarya re||ral dar| seg| VAKAN 0AJl |a sargal ruslar||. Arda l|da| o|sa re|a|u|ar |eo|r dar|pada apa yarg
d|perurlu||ar |epada arda sesua| dg gaj| yarg d|oayar.
Telap| j||a arda re||ral dar| seg| KEu3AlAwANAN |a rerarg lerou|a dg |uas. Arda rarya per|u rercar| |rlorras| yarg d|per|u|ar o|er rere|a dar jua|
|epada rere|a dg rarga yarg sesua| dg seoerapa perl|rgrya lNF0VA3l lerseoul. Vere|a sarggup reroayar dg rarga yarg l|rgg| asa||ar |rlorras|
lerseoul o|sa reroarlu rere|a.
Corlorrya j||a arda rereru| seseorarg yarg rerpurya| perya||l |erc|rg rar|s dar arda rerpurya| ooal dar peraWar urlu| perya||l lerseoul yarg o|sa
rerjad||ar d|r|rya serour seperl| o|asa sele|ar rergaro|| ooal yarg arda oer||ar. 3udar lerlu orarg lerseoul sarggup reroayar oerapa saja rarga ooal
lerseoul asa||ar d|r|rya o|sa se|aral dar|pada perder|laar a||oal perya||l |erc|rg rar|s.
llu|ar |es|rpu|ar oaga|rara arda o|sa rerdapal rarlaal dar|pada sualu rasa|ar dar |ejad|ar. 3erua perusaraar ada|ar seoaga| pererur |eper|uar
saja. Keper|uar rarus|a l|da| leroalas. J||a arda reraWar|ar seouar le|ev|s| |epada orarg oula, |a ada|ar salu per|ara yarg l|da| lepal.
Telap| j||a arda reroer||ar alau rerjua| sejer|s a|al oarlu sersor yarg dapal rero|org rerudar|ar pergera|ar rere|a, sudar lerlu |a sargal
oerraralaal dar arda o|sa rerjua| dg |uarl|las yarg oarya| d| |erud|ar rar|. J||a arda rau rerpero|er uarg yarg oarya| dg rerjua| |rlorras| , arda
rarus rer|||r |rlorras| yarg sesua| alau pur rergo|ar sesualu |rlorras| supaya |a dapal rerepal| c|r|-c|r| yarg d|per|u|ar.
3e|ararg |ar| rarya a|ar rererarg|ar rergera| |rlorras| yarg sargal d|per|u|ar o|er rarp|r serua orarg. lrlorras| lerseoul |a|ar cara urlu|
VENAV8Al uAN0, VENJA0l KAYA, ll0uP 3ENAN0 dar yarg seurpararya.
8aga|rara urlu| rerdapal|ar |rlorras| |r|? Vu0Al 3AJA. oarya| per|ara yarg le|ar oerada d|se|e||||rg ||la seja| se||ar |ara, lelap| ||la l|da| oeg|lu
reryadar| oarWa |a o|sa d|lu|ar rerjad| uarg. Corlorrya j||a arda rer||||| corpuler. Taru|ar arda oarWa corpuler o|sa rerjad| a|al reroual du|l alau
rerjad| |oroorg eras j||a d|gura|ar dg oerar dar d| |erg|ap| dg per|s|ar-per|s|ar lerlerlu.
Arda o|sa reroual KARTu uN0AN0AN 0LL, VENuLl3 3uRAT, F0RVuLlR, VEV8uAT KATAL00 JuALAN, VEV8uAT 8ERlTA, PERlKLANAN,
VEV8uAT 0RAFlK K0VPuTER, VEV8uAT wE83lTE, VEN0AJAR K0VPuTER, VEN0AJAR VEN00uNAKAN PERl3lAN, VENYuNTlN0 0AV8AR,
VELuKl3 0E3l0N RuVAl, VENYEwAKAN wE83lTE, EVEL, VENJA0l 8R0KER lNF0RVA3l (ALAVAT KANT0R PEVERlNTAlAN 0LL).
0ar oerracar-racar |ag| per|ara yarg o|sa d||a|u|ar dg rerggura|ar corpuler dar arda o|sa rerer|ra |eurlurgar yarg sargal |urayar sel|ap ou|ar.
Jargar jad||ar corpuler arda seoaga| r|asar dar d|l|rgga||ar oerdeou alau se|adar urlu| oerra|r gares saja. lr| oaru rergera| corpuler saja. J||a arda
rerpurya| |arera dar laru oarya| per|ara rergera| lologral|, arda o|sa rergajar alau rergada|ar |ursus lologral|.
Vergada|ar ||uo lologral| d||aWasar arda, reru||s sural oer|la rergera| lologral|, rergada|ar |ursus lologral| secara pos dar| rurar, rergaro|| lolo
pergarl|r, lolo oay|, pe|ajar-pe|ajar se|o|ar, rerou|a slud|o dar seoaga|rya. J||a arda rerpurya| rurar serd|r|, arda oo|er reryeWa|ar |arar |epada
orarg |a|r urlu| reraroar pergras||ar. Arda o|sa rergada|ar |e|as |es , rerja|ar|ar |ursus alau oe|ajar |ear||ar seperl| rerjar|l, rasa|ar, Aryarar,
rus||, lar|ar dar |a|r-|a|r. J||a arda rerpurya| res|r la|s, o|sa d|gura|ar seoaga| a|al dar laWar|ar |epada orarg |a|r urlu| rerggura|ar la|s arda dg
rer|rla oayarar d|arlara Rp1.000 ser|rgga Rp10.000 lergarlurg |epada jara| dar |aWasar yarg d|||r|r|ar.
3eruarya o|sa d|uoar rerjad| uarg j||a arda rerpurya| daya |real|v|las dar |rovas|.urlu| rerdapal|arrya arda per|u oarya| reroaca dar rerg|aj|
d|se||lar |aWasar lerpal l|rgga| arda. urlu| supaya su|ses, arda per|u rerjad| LAlN 0ARlPA0A YAN0 LAlN. 8erarl| arda l|da| rarya rerg||ul| apa yarg
orarg |a|r |a|u|ar saja larpa rerperoararu| alau oer|rovas|. 3eoerarrya rerarg oarya| se|a|| cara urlu| rercar| uarg d|rurar j||a arda rau
rer|||r|arrya dar re|a|sara|arrya.
0|s|r| |ar| se|a|| |ag| rau reroer|laru oaga|rara arda o|sa rerpero|er ser|rgga |eo|r dar| Rp200.000 3ElARl 00 VENJuAL lNF0RVA3l 1 lALAVAN.
Perlara yarg rarus arda |a|u|ar |a|ar rercar| oarar urlu| d|lu||s dar d|o|ar supaya o|sa rerjad| seouar oarar cela|ar seperl| |aporar yarg sedarg arda
oaca |r|. 3ele|ar arda dapal rereru| oarar yarg arda |rg|r|ar, ru|a||ar reroual |aj|ar dar reru||srya sed|||l der| sed|||l.
Kerud|ar arda o|sa rery|rpar du|u dar sarourg |erud|ar urlu| reru||srya. lde o|asarya l|da| dalarg apao||a ||la sedarg da|ar |eadaar cape| dar
l|da| lerarg. Ada |a|arya sele|ar ||la |e|uar oerja|ar-ja|ar dar oeroua|-oua| dg orarg |a|r ||la a|ar rerdapal |de oer|a|lar per|ara yarg rau d|lu||s.
Cararya |a|ar ||la rarus cepal rercalal|ar apa yarg ler||rlas d|da|ar l|||rar arda. Corlorrya j||a arda oerja|ar-ja|ar d||ola dar re||ral orarg rerperoa|||
sepalu, rerjua| l|su, ro|o|, ager perjua|ar |argsurg, perjua| |ue, cerdo|, peru|urg oolo| r|rurar urlu| d| daur u|arg, |ola|, p|asl|c dar |a|r-|a|r.
0g adarya |de lerseoul arda o|sa reru||s rergera| cara rercar| uarg yarg rudar dar l|da| per|u roda| yarg oarya|. J||a arda perrar oergau| dg orarg
yarg rerja|ar|ar usara VLV alau jua|ar |argsurg, arda o|sa reru||s rergera| cara urlu| rerjad| julaWar re|a|u| jua|ar |argsurg.
J||a ada larar |osorg, arda o|sa reru||s rergera| cara rercar| uarg re|a|u|rya. Corlorrya dg reryeWa|ar larar, rerjad||ar |aWasar rea|reas|,
rerarc|rg, rode| urlu| rergaro|| garoar. 3ecara r|rg|asrya, arda oo|er reru||s rergera| per|ara apa saja dar l|||r|ar lerlarg oaga|rara sualu |de |lu
o|sa rergras|||ar uarg. la| seperl| |r| a|ar dapal rerar|| r|ral |ra|aya| rara|.
Corlorrya dg reru||s parduar oe|ajar p|aro, g|lar, corpuler, |arera, ser| |eraj|rar, rerarar ourga, rerasa|, rergaro|| garoar v|deo dar |a|r-|a|r.
3ele|ar arda se|esa| reru||s parduar-parduar seperl| |r|, |a rerda||ar d|jua| dg cara rerg|||ar|arrya d| sural |aoar dar raja|ar.
Alau arda o|sa |||ar|ar d|da|ar salu alau dua perero|lar du|u j||a uargrya l|da| cu|up. J||a salu parduar arda jua| dg rarga Rp20,000 dar sel|ap rar| arda
rerer|ra 10 pesarar, ra|a Rp200.000 sudar rerjad| r|||| arda sel|ap rar|. J||a arda rerjua| oeoerapa parduar ra|a garda|ar saja pergras||ar yarg
o|sa arda pero|er dg rerjua| parduar oerupa |rlorras| yarg leoa|rya rarya 1 ser|rgga 5 ra|arar. Corlorrya seperl| parduar |r|. 0ar l|da| ruslar|| arda
a|ar lerseryur urlu| rery|rpar uarg yarg oarya| d|oar|.
lr||ar cara yarg |ar| ra|sud, oaga|rara arda o|sa rerpero|er pergras||ar yarg |urayar d|rurar dg rerjua| |rlorras| yarg rudar oerupa parduar-
parduar dar |aporar-|aporar. 8eg|lu juga|ar yarg lerjad| |epada peru||s. 3aya l|da| oerse|o|ar l|rgg|, rarya rerpurya| |jazar 3LTA. 3aya l|da|
rerpurya| |alar oe|a|arg dar pergelaruar rergera| dur|a peru||sar, |arera pe|erjaar yarg saya |a|u|ar du|u seruarya |erja |asar seperl| pergerud|
arg|ular oararg, ourur paor|| dar rergecal oargurar.
3aya juga l|da| laru rerggura|ar |orpuler dar l|da| rergerl| oarasa |rgger|s. Telap| seruarya 8l3A 0lLAKuKAN oer|al adarya |eazarar dar l|da|
perrar pulus asa. 3aya oe|ajar oarasa |rgger|s dg reroaca raja|ar dar rerggura|ar |arus. 8e|ajar reru||s dg lu||sar largar, |erlas dar pu|per,
ras||rya rarya|ar lu||sar yarg l|da| lersusur, dar su|ar d|rergerl|.
wa|aupur ada |r|l||ar, corp|a|r lelap| saya l|da| pulus asa dar lerus rerperoa||| ras|| lu||sar saya dar se|ara oerlarur-larur a|r|rrya saya sera||r
parda| reru||s dar rerdapal |de serd|r| seperl| se|ararg |r|. Kerud|ar saya reroaca ou|u-ou|u rergera| corpuler yarg |eoarya||arya da|ar oarasa
|rgger|s.
3aya gura|ar |arus, oerlarya |epada |aWar-|aWar dar a|r|rrya saya rarpu reroe|| corpuler serd|r| dar parda| rerggura|arrya. 3e|ararg saya
sudar rerpurya| dua ouar corpuler |erg|ap dg a|ses |rlerrel dar |a rerudar|ar saya rercar| oarar secara gral|s.
Apa yarg ada pada saya |a|ar TEKA0 uNTuK ll0uP 3ENAN0 0l3AVPlN0 8ERu3AlA TANPA PAVRll. 0ar se|ararg saya oe|erja l|da| re|eo|r| 10 jar
ser|rggu dg pergras||ar arlara Rp 200.000 r|rgga Rp 2.100.000 serar|. Ya.. ada |a|arya oarya| dar ada |a|arya sed|||l lelap| pergras||ar saya rerarg
sargal |urayar.
J||a saya oe|erja dg orarg |a|r, rurg||r saya l|da| a|ar r|dup da|ar |eadaar |e|uasa seperl| se|ararg. 3erua orarg rerarg o|sa rerggura|ar cara |r|
Wa|aupur l|da| rerpurya| asas sed|||lpur. 3aya juga oeg|lu, rarya KEVAuAN 0AN KETEKuNAN 3ERTA KE3A8ARAN saja ja|ar urlu| rercapa|
|esu|sesar. uAN0 dar roda| ada|ar per|ara |edua.
Pergelaruar o|sa d|car|, lelap| KEVAuAN, KETEKuNAN 0AN KE3A8ARAN per|u d|o|ra serd|r| urlu| rercap| |rp|ar arda. urlu| r|dup serarg JuAL l0E
AN0A. Jargar jua| d|r| alau rarga d|r| arda seoaga| rara arda oe|erja se|ararg |r|. 0|r| arda o|sa |e|ar lelap| |de l|da| o|sa |e|ar dar ra|arar |a sera||r
oerlaroar. LAKuKAN 3EKARAN0l
TEhN|K (RAhA8|A} HENJUAL UKU HELALU| P08 YANC 8ANCAT HENCUNTUNCKAN
Jur|ar ou|u yarg d|jua| re|a|u| pos o|er usaraWar pos |ec||-|ec||ar sera||r rer|rg|al jur|arrya sel|ap larur. Jur|ar perjua|ar sel|ap larur da|ar Wa|lu
||ra larur yarg |a|u rerurju||ar per|rg|alar seoarya| 30 perser . Cara oaru yarg d|gura|ar le|ar rerjad||ar per|rg|alar yarg |uaro|asa dar|
seoe|urrya. 3a|ar salu cara yarg d|gura|ar urlu| reraWar|ar |o|e|s| ou|u yarg oarya| |a|ar dg rerggura|ar |ala|og r|r|, ya|r| dg rerasu||ar
|ala|og lerseoul d|da|ar pesarar yarg le|ar d|oual o|er pe|arggar.
Kala|og r|r| o|asarya da|ar |erlas oeru|urar A1 alaupur 8 1/2 |a|| 11 |rc| yarg |erud|ar d|||pal dua alau pur l|ga |a|u d|rasu||ar |eda|ar sarpu| sural
yarg oer|s| pesarar ou|u yarg d|r|rla o|er peroe||. la juga o|sa d|rasu||ar |e da|ar raja|ar alaupur sural |aoar yarg d|jua| o|er pergedar.
Alau |a juga o|sa d|edar|ar lerus |epada pe|arggar re|a|u| pos dg reroual |||ar-|||ar ler|eo|r du|u. 3erua cara |r| rerarg sargal rergurlurg|ar urlu|
d||a|sara|ar. Kala|og r|r| arda juga rarus rerpurya| 1,2,alau 3 ra|arar. 0|ra|arar yarg perlara arda rarya per|u rererarg|ar sed|||l rergera| ou|u-
ou|u yarg arda laWar|ar, cer|la|ar laju| dar rarlaal yarg o|sa d|pero|er| j||a reroaca dar reroe|| ou|u lerseoul.
0|ra|arar yarg |edua arda o|sa rerurju||ar dallar laju| ou|u dar rarga-rargarya. 3elerusrya d|ra|arar oer||ulrya, |ela|ar lorru||r pesarar dar cara-
cara urlu| reroual oayarar . 3erla|ar rara dar a|aral sural reryural. 3el|ap dallar laju| yarg d|laWar|ar, rerda||ar d|serla| dg |elerargar perde|
supaya peroaca dapal rerarar| dar rerdapal rarlaal.
Kala|og r|r| |lu rerda||ar d|oual dg |eras dar d| cela| rerggura|ar oerlu| lu||sar dar u|urar yarg rerar||, |a|au o|sa, serla| dg garoar-garoar gral||
yarg rerar||. Leo|r oa|| j||a sel|ap |eroar |lu d| cela| dg Warra yarg oer|a|rar. 0ar| salu perye||d||ar yarg le|ar d| ja|ar|ar du|u rerdapal|, oarWa |ala|og
yarg d|cela| dg |erlas oerrulu a|ar dapal reraroar|ar ras|| perjua|ar ou|u arda.
Perusaraar-perusaraar oesar yarg reraWar|ar |ala|og yarg le|ar d|sed|a|ar o|er rere|a serd|r|. Perusaraar-perusaraar lerseoul ada|ar seperl| oer||ul :
PREVlER Pu8Ll3lER3 ol Forl worlr, Texas u3A dar wlL3llRE 800K3 d| N.lo||yWood, CALlF0RNlA,u3A , alau arda o|sa rergruourg| lCEVALL
800K3T0RE d| lllp:/WWW.|cera||.cor. Tu||s sural |epada rere|a alau rergruourg| re|a|u| |rlerrel dar reryala|ar |e|rg|rar arda urlu| rerjad|
pergedar rere|a.
RAhA8|A HENUKAR h0| 0AN KEAhL|AN KEPA0A UANC YANC LUHAYAN 8ET|AP ULAN
0rarg yarg le|ar su|ses rero|ra |ar|er dar perusaraar rere|a ada|ar oerasa| dar|pada r|ral dar |eparda|ar rere|a re|a|u|ar sesualu dg le|ur dar
perur serargal. 8ayarg|ar oaga|rara perasaar arda apao||a arda d|surur re|a|u|ar sesualu yarg arda serd|r| l|da| oerr|ral urlu| re|a|u|arrya.
3udar lerlu ras|| yarg a|ar arda pero|er l|da| reruas|ar dar ada |erurg||rar |erja lerseoul l|da| serpurra . 0|er |arera |lu l|da| ra|rar j||a arda
rerdapal| oarya| orarg yarg ser|rg oerlu|ar-lu|ar pe|erjaar dg a|asar l|da| sesua| re|a|u|ar pe|erjaar-pe|erjaar lerseoul . rere|a rercar| pe|erjaar
yarg sesua| dg j|Wa dar r|ral rere|a.
Ada juga seo||argar oesar orarg yarg re|a|u|ar |erja yarg l|da| rere|a su|a| ser|rgga a|r|r rayal rere|a, ser|rgga l|da| oarya| peruoarar yarg
oer|a|u da|ar |er|dupar rere|a. 0|er |arera |lu, j||a arda rau lerus su|ses d|da|ar |er|dupar arda, lerlurya arda rarus rer|||r o|darg |ar|er yarg arda
r|ral|. Corlorrya urlu| re|a|u|ar sualu usara, arda rarus rerpurya| r|ral urlu| re|a|u|arrya. J||a l|da| , sudar lerlu su|ar urlu| rercapa|
|esu|sesar apa|ag| j||a arda rerarg l|da| rer||||| perga|arar seoe|urrya.
wa|au oaga|rara pur, per|ara seperl| |lu o|sa d|pe|ajar| sed|||l der| sed|||l. Va|ar arda o|sa rerjad||ar roo| dar |ear||ar apa saja seoaga| salu perusaraar
secara |argsurg. Corlorrya j||a arda rer|ral| o|darg rasa|ar, arda o|sa rerc|pla resep-resep oaru, reru||s ou|u-ou|u resep rasa|ar, rerjua|
ra|arar, rergaro|| |orlra| reryup|a| dar reryed|a|ar ra|arar.
J||a arda rer|ral| o|darg rerjar|l, arda o|sa rergaro|| upar rerjar|l, rerdapal|ar |orlra| rerjar|l, reru||s ou|u lerlarg rerjar|l, rerou|a |ursus
rerjar|l secara pos alau secara |argsurg. J||a arda seorarg juru lerr||, arda o|sa reru||s ou|u parduar alau rerero|l|ar v|deo rergera| lerr||
rerperoa||| |erusa|ar pada res|r roo|| alau rolor.
J||a arda seorarg perd|d||, arda o|sa rergada|ar |e|as |es, rerero|l|ar parduar lerlarg lerr|| oe|ajar yarg oer|esar. J||a arda seorarg juru lolo, arda
o|sa rergada|ar |ursus lologral|.
J||a arda seorarg pelar| alau perlerra|, arda o|sa rergada|ar salu prograr |urjurgar |e |adarg alau pusal pelerra|ar seoaga| salu pa|el pe|arcorgar.
J||a arda seorarg peru||s, arda o|sa rergada|ar |erar |erja, |ursus peru||sar dar seoaga|rya. J||a arda seorarg pergerud|, arda o|sa rergada|ar
|ursus rergerud|. J||a arda seorarg pedagarg, arda o|sa reru||s ou|u rergera| o|darg |eW|rausaraar, rergada|ar ser|rar |eW|rausaraar, parerar,
rergada|ar |ursus |eW|rausaraar dar seoaga|rya.
Arda o|sa rereru| raras|a urlu| rerdapal|ar uarg yarg |urayar sel|ap ou|ar re|a|u| roo| dar |ear||ar apa saja, j||a arda rerjad||arrya seoaga| salu
pe|uarg usara. wa|aupur arda seorarg lu|arg cal alau lu|arg |ayu, arda ras|r rerpurya| pe|uarg oesar urlu| rerjad| |aya re|a|u| |ear||ar |lu, dg
rerjad||ar |a seoaga| salu o|darg usara. Arda o|sa rergaro|| |orlra| secara |ec||-|ec||ar du|u. Pe|uarg a|ar serarl|asa ada oag| rere|a yarg rau
rercooa, lelap| pe|uarg a|ar rerjaur| orarg yarg pera|ul dar l|da| rau rercooa. Verarg l|da| ada ja|ar rudar urlu| rercar| uarg yarg oarya|, lelap|
l|da| ruslar|| urlu| rerpero|er|rya j||a arda raj|r. J||a arda seorarg yarg rau rercooa dar oe|ajar urlu| rerjad| seorarg yarg |roval|l dar |real|l, ra|a
arda a|ar rereru| oarya| cara dar ja|ar urlu| rercar| uarg yarg |urayar.
3aya rerpurya| seouar cer|la yarg rurg||r ada rarlaalrya urlu| arda. 0u|u (1-5 larur yarg |a|u) saya seorarg yarg l|da| rerpurya| apa-apa, sele|ar
|erug|ar oesar da|ar usara yarg saya ja|ar|ar.
3aya l|da| rerpurya| perd|d||ar yarg l|rgg|, rarya se|adar |u|usar 3LTA. 3aya oarya| rercooa rerceour| dur|a perusaraar |ec||-|ec||ar dar oerc|la-
c|la urlu| rer||||| seouar perusaraar yarg oesar sualu rar| rarl|. Va|ar saya sarggup oe|erja da|ar Wa|lu yarg |ara urlu| rergurpu| uarg. 3aya
sarggup oe|erja sarpa| 15 jar serar| se|ara Z rar| da|ar ser|rggu. Telap| |arera saya ras|r oujargar jad| apa yarg saya dapal dar| ras|| peras |er|rgal
a|r|rrya serua rao|s oeg|lu saja. A|r|rrya sele|ar oosar peras |er|rgal oe|erja rerjad| raroa |epada orarg |a|r dg gaj| yarg la| seoerapa, saya le|ar
rer|||r|ar cara urlu| rercar| uarg dg usara yarg |eo|r rudar, Wa|aupur |edergararrya aga| arer dar |uar o|asa, lelap| |a ou|ar ruslar|| urlu|
d||a|u|ar. 3aya le|ar rerdapal salu |de sele|ar reroaca seouar ou|u yarg oerjudu| ' TlE LAZY wAY T0 A VlLLl0N3 '.
Judu|rya sargal rer||al ral| saya, Wa|aupur rargarya aga| rara|, lelap| saya lelap reroe||rya secara pos. Wa|aupur saya rerpurya| rasa|ar yarg
oesar ya|lu saya l|da| las|r oeroarasa lrgger|s. Telap| saya lelap rau rercooa, dar sele|ar se|esa| reroaca ou|u lerseoul, saya le|ar rerdapal salu |de
dar| sa|ar salu roo| saya ya|lu o|darg lologral|. 3aya pur rercar| oarar reru||s l|ps-l|ps alau parduar rercar| uarg re|a|u| o|darg lologral|. 3aya rarya
reru||s da|ar oerlu| rarus|r|p seoarya| 1-5 ra|arar saja dar rerjua|rya secara pos.
Percooaar lerseoul le|ar rerdapal saroular yarg aga| oa|| dar dar| s|lu|ar saya le|ar rerdapal |de urlu| lerus reru||s ser|rgga se|ararg. 3aya le|ar
rerjua| parduar lerseoul dg rarga Rp20.000 urlu| salu ras|ar. 0ar| du|u |ag| saya le|ar rerjua| oeoerapa ralus ras|ar ou|u sel|ap ou|ar dar rerpero|er
pergras||ar yarg sargal |urayar ser|rgga rarp|r l|da| per|u re|a|u|ar pe|erjaar apa-apa |arera saya le|ar reroayar gaj| orarg |a|r urlu| reroual
|erja-|erja lerseoul.
Jad| seoerarrya arda o|sa rer|ru cara saya re|a|u|ar dar rerguoar |de-|de saya rerjad| salu parduar oercela| dar rerjua|rya secara pos. du|u
seWa|lu saya oe|ur purya |orpuler, saya rergupar orarg |a|r urlu| reru||srya. 3ele|ar saya rarpu reroe|| seouar |orpuler dar oe|ajar
rerggura|arrya, pe|erjaar saya rerjad| sera||r rudar dar saya o|sa re|a|u|arrya |apar saja. wa|aupur oe|ur rerjad| julaWar, lelap| r|dup saya
sargal rerar|| dar r||e|s. Arda juga o|sa rergecap| |er|dupar yarg reoal |r| sualu rar| rarl|. 8ERTlN0AKLAl 3EKARAN0 ll
ACAHANA HENJA0|KAN KEAhL|AN
8EACA| PERU8AhAAN 8AHP|NCAN YANC HENCUNTUNCKAN
J||a arda sedarg rerarcarg urlu| reru|a| usara, cara yarg pa||rg oa|| |a|ar re|a|u|arrya secara sarp|rgar du|u, dar dg cara |lu arda ras|r o|sa
rerge|a||ar pe|erjaar arda dar rerpero|er pergras||ar lelap. J||a arda |rg|r rerpero|er pergras||ar rar|ar, arda l|da| rerer|u|ar roda| uarg yarg
oarya| urlu| reru|a| usara arda |lu.
T|da| per|u o|roarg, |arera arda o|sa rerggura|ar sa|ar salu dar|pada r|ral dar |ear||ar arda serd|r| urlu| d|jad||ar asas perusaraar. 0ar arda dapal
rergeroarg|ar usara arda ser|rgga rerjad| perusaraar oesar da|ar Wa|lu salu r|rgga l|ga larur, lergarlurg |epada perarcargar arda serd|r|.
3ele|ar |lu arda a|ar rerpurya| persed|aar yarg cu|up urlu| oerrerl| |erja dar rerjad| ' ooss ' serd|r|. 8u|ar|ar |r| sesualu yarg reoal ? dg
rerggura|ar |ear||ar alau r|ral arda d|rasa |a|u, ra|a |a rerpurya| |eurlurgar dar |e|eo|rar yarg oarya|. Vergapa ? |arera sel|ap pe|erjaar dar
usara yarg rau arda ceour|, seresl|rya |a rerupa|ar sesualu yarg arda su|a| dar r|ral| urlu| d| |a|u|ar. seoao |a a|ar reroer||ar slar|ra/leraga
|epada arda urlu| re||ral perusaraar arda seja| dar| aWa|, Wa|aupur arda aga| su|ar urlu| re|a|u|arrya
llu|ar seoaorya rergapa sargal perl|rg oag| arda urlu| re|a|u|ar per|ara yarg d|su|a|, apa|ar |a urlu| rerja|ar|ar jasa alaupur rerjua| oararg.
Ada|ar arda gerar rerasa|? ru|a||ar usara arda dg reroual dar reryed|a|ar ' reWs|eller ' resep rasa|ar urlu| orarg |a|r yarg rerpurya| r|ral
yarg sara dg arda, dar jua| resep arda da|ar oerlu| parduar l|p|s/ooo||el.
Ada|ar arda gero|ra rerjad| peru||s ? Tu||s salu parduar |ec||/ooo||el seperl| parduar ' oaga|rara urlu| ' dar jua| re|a|u| pos alau s|sler ru|l| |eve|.
Ada|ar arda su|a oe|erja da|ar o|darg prograr |orpuler? Tu||s salu prograr dar jad||ar |a seoaga| prograr yarg o|sa d| jua| secara pos |epada rere|a
yarg oerr|ral. j||a arda rau rerjua| secara pos, arda rarus rerg|||ar|arrya ler|eo|r daru|u.
Vu|a||ar dg |||ar yarg oeru|urar |ec||, 3urur ca|or pe|arggar alau peroaca arda supaya rerg|r|r|ar prarg|o alau Rp1.000 urlu| rerdapal|ar |rlorras|
yarg |eo|r |erg|ap. Apao||a rere|a rerg|r|r|ar sural perlaryaar |epada arda, rasu|ar |ala|og yarg oer|s| |elerargar r|rg|as dar rarga produ| yarg
arda jua| oeserla lorru||r pesarar urlu| rere|a reroual pesarar.
0u|u seoe|ur saya reru|a| usara seperl| |r|, saya le|ar reroaca oeroaga|- ou|u dar re||ral serla reryerla| oeroaga|- prograr rercar| uarg alau
reraroar pergras||ar . Pada per|rg|al aWa|, arda o|sa rerjua| oararg alau jasa arda dg rarga yarg rurar, ser|rgga arda oerar-oerar rergerl| dar
ya||r oarWa arda o|sa rerjua| oararg yarg |eo|r rara|.
Peroarya||ar reroual |aj|ar dar perye||d||ar serla reroaca ou|u yarg oer|a|lar dg per|ara yarg |rg|r arda ceour|, perg||ar |e perpusla|aar alaupur
perg| |e lo|o ou|u dar car||ar laju| yarg oer|a|lar dg r|ral arda.
J||a |a oer|a|lar dg roo| alau |ear||ar arda, rurg||r arda per|u reryed|a|ar Wa|lu oeoerapa ou|ar urlu| re|a|sara|arrya ser|rgga arda o|sa puas dg
|eurlurgar yarg a|ar arda d|ler|ra. Keoarya|ar orarg yarg rerpurya| roo| a|ar rergrao|s|ar uarg yarg oarya| urlu|rya. 8eg|lu juga arda per|u
rergrao|s|ar uarg urlu| reroual |||ar, yarg rara |a a|ar reroer||ar |eurlurgar |epada arda, |arera |a d|jad||ar seoaga| salu caoarg usara arda.
8e|amat Hencoba !
HEHPER0LEh| RP1.200.000 8EH|NCCU HENCE0ARKAN R|8ALAh KEPA0A 0RANC CEHUK
R|sa|ar yarg d|ra|sud d|s|r| |a|ar rergera| rarcargar asas urlu| d|el . K|la serua laru oaga|rara orarg yarg ser|rg rercar| cara urlu| rergurus|ar
oadar re|a|u| d|el yarg oelu|. Yarg ser|rg|a|| oer|a|u |a|ar apao||a rere|a le|ar rercooa se|ara ser|rggu, lelap| l|da| rerdalarg|ar ras||, rere|a a|ar
oerrerl| re|a|u|arrya dar rercar| cara yarg |a|r.
3eoerarrya arda o|sa rerdapal |eurlurgar dar|pada s|luas| |r|. larya dg reroer||ar rarcargar urlu| d|el secara gral|s dar rer|rla sed|||l org|os urlu|
perg|r|rar alau pergeposar, arda o|sa rerdapal |eurlurgar julaar rup|ar seou|ar .
Cara yarg pa||rg rudar |a|ar arda rergedar|ar r|sa|ar yarg rergardurg| rarcargar d|el yarg le|ar arda |aj| serd|r| alau re|a|u| ou|u-ou|u |eseralar.
Cara yarg leroa|| urlu| rerdapal|ar peroe|| |a|ar dg rerdapal|arrya re|a|u| |||ar . Arda serd|r| o|sa reroual |||ar yarg rudar dar rurar re|a|u| |||ar
oar|s/|o|or d| sural |aoar rar|ar alau r|rgguar. lr| ada|ar salu-salurya raras|a dar lerr|| perasarar yarg pa||rg oer|esar .
|arera j||a ralusar r|ou ras|ar d|edar|ar sel|ap r|rggu dar ou|ar, dg |lu |a dapal rerjad| lurpuar |epada julaar peroaca sel|ap rar|, r|rggu, dar ou|ar
sarpa| |aparpur. wa|aupur arda rerpero|er respor peroaca yarg |ec||, lap| |a o|sa rergras|||ar perdapalar yarg |urayar.
urlu| reroual |||ar arda serd|r|, cooa|ar oe|ajar re|a|u| |||ar-|||ar orarg |a|r yarg d|papar|ar d| sural |aoar sel|ap rar|, r|rggu dar ou|ar. Cooa dapal|ar
ras|ar-ras|ar yarg seoe|urrya dar ||ral oaga|rara rere|a reroual |||ar secara |ors|sler dar lerus rererus. Tarda| |||ar-|||ar lerseoul, |arera sudar
lerlu |||ar-|||ar seperl| |lu o|sa rergras|||ar perdapalar yarg sargal |urayar |epada arda.
8ual dar re|a |||ar arda serd|r|. la rarus larpa| rudar. |arera lujuar arda |a|ar supaya peroaca rau reroe|| perarcargar d|el yarg rudar. Jargar
sarpa| arda jad||ar d|r| arda seperl| seorarg pa|ar ra|arar yarg lau seroa sero|. l|ru lerlarg ra|arar ada|ar salu o|darg yarg sargal |uas dar juga
sargal |orp|e|s. 0g reryurur orarg re|a|u|ar rarcargar d|el yarg |eler|a|uar dar rad||a| o|sa reryeoao|ar rere|a ser|us.
Ada orarg yarg o|sa sarpa| lerourur j||a rere|a re|a|u|arrya dg rerggaourg|ar oeroaga| perarcargar dar |e|rg|rar rere|a yarg sargal da|ar urlu|
rergurus|ar oadar. 0|er |arera |lu oerral|-ral||ar dar jargar jad||ar d|r| arda seperl| seorarg ar|| ra|arar yarg sargal parda|.
Keoarya|ar orarg, o|asarya rarya rerg|rg|r|ar sesualu yarg rudar urlu| d||a|u|ar, o|er |arera |lu oer||ar|ar sesualu yarg rudar urlu| d||a|u|ar.
Jad||ar sel|ap sararar yarg rasu| a|a|. 3erua orarg yarg rau rergurarg| oeral oadar seresl|rya rergurarg| ra|arar yarg rere|a ra|ar sel|ap rar|.
Vere|a rurg||r rau rergurarg| oeoerapa ra|arar yarg d|aro|| sel|ap rar|.
0g se|a|u rergara||ar urlu| rergurarg| oeoerapa ra|arar yarg d| aro|| seoe|urrya, |a a|ar dapal rergurarg| |adar |o|eslero| d| da|ar luour r|rgga
30. Kerud|ar arda o|sa rerc|pla reru arda serd|r| oerdasar|ar cara pergaro||ar ra|arar yarg d|rarcarg|ar |lu. 0g |lu |a a|ar reroer||ar
perarcargar d|el yarg sesua|, rudar dar arar urlu| d|gura|ar dar d|ara||ar. |erud|ar l||ar|ar|ar se|a|u perarcargar d|el yarg rudar dar arar |lu
sel|ap rar| d| sural |aoar separjarg rayal arda.
RP. 4.000.000 8EhAR| hANYA HEN0NT0N A6ARA TV
Apakah anda gemb|ra menonton te|ev|s| ? Haukah anda menggunakan te|ev|s| anda sebaga| a|at mencar| uang ? sa|ah satu caranya |a|ah dg
menjad|kan acara berbe|anja d| rumah sebaga| |andasan anda untuk mencar| uang. 0gpene||t|an dan kaj|an yang ba|k mengena| pasaran |oka| ( d|
kawasan tempat t|ngga| anda} untuk mencar| pasaran bag| produk yang |uas.
A|r|rrya arda a|ar rerdapal| oarWa acara oeroe|arja d| rurar rerarg reroer||ar pe|uarg yarg reoal. Arda oo|er reroe|| produ|-produ| lerseoul dar
rerjua|rya seru|a |epada perggura |o|a| alau |aWar-|aWar arda. Arda juga oo|er rerjad| orarg lergar dar rerdapal |eurlurgar re|a|u| usara |lu.
urpararya seouar produ| urlu| |eguraar rurar |lu oerrarga Rp50.000, arda rercar| pasarar dar reroual pesarar secara pos oag| jur|ar yarg
oarya| |erud|ar arda rerjua|rya dg rarga Rp80.000. 3el|ap salu arda a|ar rerdapal urlurg seoarya| Rp30.000. lr| ada|ar corlor lerrudar yarg oo|er
d||a|u|ar . 3alu cara |ag| urlu| rercar| uarg rarya dg acara |rlorer|ca|s yarg |eudara dar arda oo|er reroror urlu| rerjad| ros alau peryarpa| alau
peroaWa acara alau preserler urlu| acara perg|||arar.
Arda rurg||r oo|er rergruourg| sa|ar seouar slals|ur le|ev|s| lerseoul. Acara le|ev|s| dar pery|arar ada|ar rerupa|ar salu |rduslr| yarg sargal |orpel|l|l
pada rasa se|ararg. 0|seoao|ar uarg perggura dar perg|||ar ada|ar rerupa|ar salu per|ara perl|rg yarg per|u d|l|||r|ar d| da|ar peryusurar prograr
jua|ar oararg re|a|u| acara le|ev|s| , |a rarus d||a|u|ar dg oerral|-ral|.
Persa|rgar yarg ada d| da|ar |rduslr| |r| juga le|ar reroer||ar pe|uarg yarg sargal oesar |epada dur|a o|sr|s. J||a arda oo|er re|a|u|ar sesualu
|eoa||ar, corlorrya dg rerjad||ar jur|ar perorlor acara Tv urlu| produ| lerseoul rer|rg|al sudar lerlu arda o|sa rerjad| ler|era|. Arda a|ar d|car|
serla d|laWar|ar pe|uarg yarg oa||, alau arda o|sa rerjad| orarg lergar (oro|er). Arda o|sa rerer|ra laWarar dg rerg||al |orlra| dar seoaga|rya.
Arda juga o|sa rerjad| oro|er yarg oerperarar urlu| rercar| pasarar rergelaru| pasarar pe|arggar arda. 8ro|er juga oerperarar rergruourg|ar p|ra|
perg|||ar dg p|ra| pergusara slals|ur le|ev|s|. Perarar oro|er seoaga| orarg lergar ada|ar perl|rg apa|ag| apao||a oe||au le|ar o|asa oerurusar dar |r| o|sa
reroer||ar |or|s| yarg oa|| |epada p|ra| oro|er yarg d|oayar o|er p|ra| pergusara slals|ur dar juga p|ra| perg|||ar.
3lals|ur pery|arar rerupa|ar salu |rduslr| yarg sargal |orpel|l|l dar |adar oayarar urlu| |||ar juga sargal oesar dar oeroeda-oeda d|arlara salu dg yarg
|a|r. 3er|rg|a|| lerjad| d| rara seouar slals|ur pery|arar l|da| rerpurya| pegaWa| perasarar yarg rara oo|er rerjad| suroer pergras||ar yarg rerarg
rergurlurg|ar.
3eoaga| seorarg oro|er ada|ar rerjad| lugas arda urlu| rercar| pasarar oaru dar reroarlu slals|ur pery|arar arda. Apao||a oerurusar dg pe|arggar
arda (perg|||ar), arda per|u rererarg|ar dar reroer|laru oaga|rara arda o|sa rergreral|ar o|aya rere|a apa|ar da|ar oerlu| uarg alau pur Wa|lu
dg rerggura|ar cara |rusus yarg arda |elaru|.
lr| |arera oudgel pe|arggar arda sudar lerlu leroalas, rere|a rarya a|ar reroe|arja|ar uarg |epada per|ara yarg |eo|r ele|l|l saja. Vere|a rarya a|ar
|eo|r oerr|ral dar lerlar|| |epada per|ara yarg o|sa reraroar|ar uarg rere|a saja. Perarar seoaga| seorarg oro|er ada|ar urlu| reroarlu rere|a
reroual |epulusar perl|rg |r|.
RP. 50.000.000 8EULAN |8N|8 0AR| RUHAh
3eorarg pa|ar perasarar perrar oer|ala : Apao||a sel|ap orarg ada|ar pe|arggar arda, arl|rya arda l|da| rerpurya| pe|arggar. Vurg||r arda l|da|
rergerl| dg pepalar |r| lelap| |a sargal perl|rg urlu| d|l|||r|ar.
8eorang pengusaha gayapos terkena| d| Amer|ka, Kev|n No|an te|ah me|a|u| penga|aman pah|t da|am h|dupnya dan be||au berharap anda dapat
mengamb|| |kt|bar dar|padanya. 8a|ah satu dar|pada b|sn|s gayaposnya, be||au menerb|tkan dan menjua| buku, kaset, bu||et|n dan produk |nformas|
- b|sn|s, mot|vas| dan pemasaran; dan be||au menga|am| kerug|an yang agak besar dar| masa|ah |n| : ya|tu set|ap orang HUNCK|N menjad|
pe|anggannya. |n| menjad|kan moda| awa| untuk mencar| dan mendapatkan pe|anggan baru sangat t|ngg|. ha| |n| juga memer|ukan penanaman
moda| yang agak t|ngg| da|am mendapatkan set|ap pe|anggan baru. e||au terpaksa memesan ruang |k|an yang maha| da|am satu maja|ah dan surat
kabar yang terkena|. be||au me|akukan semuanya, tetap| karena b|aya maha| yang terpaksa be||au |akukan, perusahaan be||au bergerak dg per|ahan.
Telap| da|ar salu |ag| o|sr|srya, oe||au rerero|l|ar dar rerasar|ar salu produ| yarg sargal lepal |epada para do|ler g|g|, yarg rara o|sr|s |r| sargal
rergurlurg|ar dar roda|rya juga aga| sed|||l j||a d|oard|rg|ar dg o|sr|s yarg seoe|urrya. Vergapa? Karera lerdapal |urarg |eo|r 100.000 do|lor g|g| d|
Arer||a. Nara rere|a sudar lerdallar da|ar d|re|lor| dar ye||oW pages . Vaja|ar yarg rere|a oaca juga reraWar|ar lar|l |||ar yarg aga| sesua|.
urlu| |asus yarg perlara lad|, oe||au lerpa|sa rerge|uar|ar roda| da|ar rerasarg |||ar yarg rarya |rg|r reroeda|ar orarg yarg oerr|ral dg orarg
yarg la| oerr|ral lerradap produ|rya. Kerud|ar, oaru|ar oe||au o|sa rerarar roda| yarg |eo|r agres|l lerradap rere|a yarg rerurju||ar r|ral. 8eroeda
dg |asus |edua, oe||au l|da| rerer|u|ar roda| yarg perlara. 3el|ap do|lor g|g| oerr|ral urlu| rerdapal|ar |rlorras| oag| rerdapal|ar pe|arggar yarg
|eo|r oarya|.
urlu| |lu, |r| ada|ar raseral urlu| pergusara gayapos oaru, supaya rercar| dar rergaro|| pe|uarg |epada pasarar yarg le|ar ada.
$50.000 8ebu|an |sn|s dar| Rumah
lr| ada|ar ||sar oerar urlu| arda rerurg|ar oersara. Jell dar Peggy Pau| le|ar rerja|ar|ar salu o|sr|s gayapos dar le|ar rug| dar rerarggurg ularg
|eo|r dar| S200.000.00l Jell rerupa|ar oe|as Perarcarg Keuargar yarg ler|al|r dar rerpurya| cara lerserd|r| urlu| rerar|| pe|arggar. 3e|epas
rergrad|r| salu pers|dargar gayapos oe||au le|ar rerdapal |de yarg oagusl
0|a rerpurya| |rlorras| |rusus (rerarcarg |euargar |e|uarga) yarg dapal d|oer||ar |epada pasarar yarg sudar ada ( rere|a yarg sudar oer|aW|r).
3ele|ar rerguoar lerr|| ourg|usar dar |||ar, oe||au le|ar rerggura|ar slraleg| oaru. Pada ou|ar perlara jua|arrya rer|rg|al dar|pada S1000 |epada
S13000. Kerud|ar rerjad| S30.000 dar |eo|r dar| S50.000 jua|ar, da|ar 3E8uLAN dar|pada o|sr|s gayapos yarg oe||au |a|u|ar serd|r| dar| rurar.
Cooa perral||ar: Jell ou|ar|ar seorarg pa|ar |||ar yarg ler|al|r alau pa|ar perasarar lerus. 0|a ou|arrya oeroa|al secara a|ar|. 0|a oerusara dg g|g|r
urlu| rerdapal|ar apa yarg d|per|u|ar. Yarg perl|rgrya |a|ar peruda |r| le|ar rerc|pla |eoeoasar |euargar oual d|r|rya dg |de yarg saya cer|la|ar
|epada arda da|ar |aporar |r|.
Per|ara |a|r yarg per|u d|aro|| perral|ar
0g cara rergr|rdar| dar|pada 'rercar| ca|or prospe| yarg |aya|, arda dapal rergreral|ar peroe|arjaar yarg oarya|, perararar roda|, e|per|rer dar
|e|eceWaar. Arda le|ar rergurarg| res||o yarg rarus d|larggurg. 0g cara rerurpu|ar perral|ar |epada pasarar yarg sudar ada, arda o|sa
rerggura|ar raja|ar alau sural |aoar yarg rurar urlu| rerasarg |||ar. Veru||s orosur juga a|ar rerjad| rudar apao||a arda laru oaga|rara urlu|
rerggura|ar oarasa yarg sesua| , rero|cara|ar lerlarg |eper|uar, r|ral , perga|arar dar |rp|ar rere|a. A|r|rrya, produ| yarg s|lalrya |rusus juga
o|sa d|jua| dg rarga yarg l|rgg|, dar|pada produ| yarg urur yarg o|asa d|jua| |epada serua orarg.
larga? Arda rerer|u|ar pa||rg l|da| 1x (100) alau 8x(800) |eurlurgar |ealas produ| yarg rau arda jua|, j||a rau rerggura|ar sural |aoar alau
raja|ar. J||a roda| peroualarrya Rp1,000 arda l|da| oo|er rerjua|rya pada Rp2,000 j||a arda |rg|r reroual |eurlurgar. 3eoao uarg yarg arda dapal
per|u d|gura|ar urlu| rerasarg |||ar supaya arda rerdapal pesarar yarg |eo|r oarya|.
Naseral yarg r|rg|as |r| ada|ar salu perde|alar yarg lepal j||a arda rau reroual uarg da|ar gayapos. 8u|ar saja Rp50.000.000 seou|ar, oar|ar
Rp100.000.000 alau |eo|r seou|ar pur l|da| ruslar|| j||a produ| arda ada|ar sesualu yarg d|car| o|er pasarar yarg sudar ada - pe|ajar, po||s|, |e|uarga,
do|ler, War|la, |aur |ou, pero|o|, perggargur, dar seoaga|rya.
F|||r|ar. 3eroga su|ses.
8ARAN UNTUK |8N|8 PR|A0|
(3Tu0l KA3u3) 0ear Pa| 0oza||, saya sudar perrar ||r|r perlaryaar lap| l|da| d|rual. 3aya cooa |ag|, lo|org dorg Pa|.
3aya se|ararg ras|r |erja d| perusaraar sWasla, lap| rercararya a|ar res|gr |arera seoerlar |ag| rau re|ar|r|ar. 3uar| saya juga |erja d| perusaraar
sWasla, dar r|dup |ar| ras|r ||ul rerlua.
3aya l|da| |rg|r lergarlurg pada pergras||ar suar| saja Wa|aupur |ar| r|dup cu|up. 3aya |rg|r oero|sr|s dg |erarpuar roda| yarg ada r|||| saya serd|r|,
lelap| saya o|rgurg |rg|r o|sr|s apa |arera roda| yarg saya purya rarya sed|||l (d| oaWar 15 jula). To|org |as|r sarar dorg pa| ||ra2 saya o|sa usara apa
dg roda| yarg sed|||l |lu. 3aya sudar perrar ||ul VLV lap| l|da| ja|ar, juga perrar jua| |osrel|| avor lap| juga sudar oerrerl|.
Ka|au saya |rg|r o|sr|s da|ar o|darg ra|arar, seoa||rya |arg|ar apa yarg rarus saya |a|u|ar aWa|rya ya pa|, ra||ur der saya oe|ur perrar o|sr|s.
Voror jaWaoarrya Pa|, dar ler|ra|as|r oarya| alas oarluar sararrya. 3a|ar, 3us|
Jawaban:
8u 3us|, lerus lerarg saja, |r| ada|ar perlaryaar yarg l|da| o|sa saya jaWao dg rudar. Karera urlu| rererlu|ar o|sr|s apa yarg seoa||rya Arda ja|ar|ar,
ada oarya| se|a|| la|lor yarg per|u d|perl|roarg|ar.
3a|ar salu la|lor urlu| d|perl|roarg|ar rerarg ada|ar roda| l|rars|a| yarg d|r|||||. Tap| percaya|ar, |r| ou|ar perl|roargar ulara urlu| rererlu|ar
o|sr|s apa yarg d|ge|ul|. 8ag| saya, roda| l|rars|a| rarya a|ar rererlu|ar oaga|rara cara rerja|ar|ar o|sr|srya, ou|ar o|sr|s apa yarg d|ge|ul|.
Yarg seoa||rya rerjad| perl|roargar ulara ada|ar apa yarg d|oulur|ar o|er pasar, dar apa yarg o|sa Arda |a|u|ar urlu| rererur| perr|rlaar pasar
lerseoul. urlu| seseorarg yarg sudar rer||||| perga|arar yarg |uas dar j|Wa o|sr|s yarg |ual, o|asarya a|ar se|a|u rercar| apa yarg ras|r d|oulur|ar
o|er pasar. Tap| urlu| peo|sr|s oaru, saya o|sa sarar|ar dua ra| urlu| rererlu|ar o|sr|s apa yarg seoa||rya d|ge|ul|:
1. Hu|a| dar| yang Anda kuasa|
Kear||ar dar perga|arar apa yarg saal |r| Arda r|||||. 3eoaga| seorarg |aryaWar, Arda lerlurya sudar rer||||| perga|arar da|ar |rduslr|
lerlerlu, j||a rerurg||r|ar, o|sa|ar |lu d|jad||ar seoaga| usara rurarar dg roda| yarg ada. Alau rurg||r |ear||ar |a|r yarg se|ara |r| oe|ur
oarya| d|ga||. V|sa|rya |ear||ar Arda da|ar rerde|or rurar o|sa rerjad| |adarg o|sr|s oaru ya|lu desa|r |rler|or. Ka|au |ear||ar Arda ada|ar d|
dapur, ra|a sudar o|sa d|leoa| usara apa yarg coco| urlu| Arda.
2. Hu|a| dar| yang Anda suka|
3e|a|r |ear||ar, |esu|aar juga o|sa d|jad||ar seoaga| o|sr|s. Apapur roo| Arda o|sa d|jad||ar seoaga| o|sr|s. wa|aupur Arda oe|ur cu|up ar||
da|ar o|darg |lu, lap| |a|au sudar su|a o|asarya a|ar re|a|u|ar apapur urlu| o|sa.
8ual ||sl o|sr|s apa yarg o|sa d|oargur dg rerperl|roarg|ar dua ra| d|alas, ya|lu |ear||ar dar |esu|aar Arda serd|r|. Jargar oalas| d|r| dg
|eleralasar roda|. 3e|a|| |ag|, oesarrya roda| rarya a|ar rererlu|ar oaga|rara Arda rerja|ar|ar o|sr|s Arda, ou|ar o|sr|s apa yarg d|p|||r.
0ar| ||sl lerseoul, sar|rg |eroa|| dg perl|roargar pasar. Cooa ||ral dar| o|sr|s lerseoul o|sr|s apa yarg pa||rg o|sa Arda rar|el|rg|ar dar pa||rg
oarya| d|oulur|ar o|er pasar.
3e|aral oerusara |ou 3us|, su|ses urlu| Arda... Arrad 0oza||
TEhN|K |NVE8TA8| 8TRATEC|8 6ARA JUTAwAN
Terr|| |r| o|asa d|gura|ar o|er julaWar da|ar rerggarda|ar uarg rere|a. Terdapal 3 pr|rs|p s|rparar yarg o|asa rere|a gura|ar.
Pr|ns|p Pertama:
Lebih cepat anda menyimpan lebih senang
Taru|ar arda seseorarg yarg oerurur 25 larur rery|rpar seoarya| Rp 100.000 seou|ar (Rp1.200.000 selarur) a|ar rergurpu| seoarya|
Rp319.000.000 apao||a oe||au oerurur 5 larur (ourga seoarya| 8 selarur)? J||a oe||au oerlarggur se|ara selarur, |erug|ar seoarya| Rp2Z.800.000.
J||a oe||au rerurggu se|ara 5 larur, jur|arrya oer|urarg seoarya| Rp120.000.000 sele|ar rercapa| lerpo pers|urar, dar j||a rerurggu ser|rgga 10
larur LA0l, jur|arrya a|ar oer|urarg seoarya| Rp200.000.000l. 0g Rp100.000 seou|ar, jur|ar yarg d|s|rpar se|ara 10 larur |a|ar Rp12.000.000 lelap|
|e|ayaar yarg r||arg |a|ar Rp200.000.000.
lr| ada|ar salu darpa| dar|pada ourga compouno ya|lu uarg yarg d|s|rpar d| oar| a|ar d||era|ar ourga sel|ap larur. la seperl| pergeroa|a |aro|rg
yarg rerdapal 2, 1, 8, 1, 32, 1, 128, 25 dar selerusrya apao||a |aro|rg-|aro|rgrya oerara| dar oerara|.
Ada|ar sesualu yarg sargal rug| j||a arda ras|r rerurggu, dar |a sea|ar lraged| j||a arda l|da| rery|rpar sed|||lpur. Jad|, ru|a||ar rery|rpar rar| |r|
jugal.
Pr|ns|p Kedua:
Kapan anda menyimpan sama penting dg berapa banyak anda menyimpan
urpararya dua orarg yarg sara ururrya le|ar rery|rpar Rp5.000.000 selarur se|ara 15 larur. Jur|arrya |a|ar RpZ5.000.000. 0rarg yarg perlara
rery|rpar dar| urur 20 r|rgga 35, seoe|ur oer|aW|r. 0rarg yarg |edua rery|rpar jur|ar yarg sara lelap| sele|ar ara|-ara|rya oe|erja. 8e||au
rery|rpar seoarya| RpZ5.000.000 dar| urur 55 r|rgga 5.
3eWa|lu oerurur 5 larur, orarg yarg perlara lad|, jur|ar s|rpararrya rerjad| RpZ50.000.000l - 10 |a|| dar|pada jur|ar yarg d|s|rpar. la rerupa|ar
salu peroedaar yarg oesar dar|pada orarg yarg |edua yarg rarya rergurpu| RpZ5.000.000, Wa|aupur |edua-duarya rery|rpar da|ar jur|ar yarg
sara. Peroedaarrya |a|ar ou|ar oerapa oarya| yarg d|s|rpar lelap| kapan s|rparar |lu ru|a| d|oual. Kes|rpu|arrya |a|ar ||la per|u rery|rpar seoarya|
rurg||r dar seaWa| yarg rurg||rl
Pr|ns|p Ket|ga:
8erapa banyak yang anda simpan adalah lebih penting daripada berapa banyak penghasilan anda
Narpa|rya seperl| rero|rgurg|ar, lelap| arda l|da| per|u rerpurya| pergras||ar oesar urlu| rerjad| |aya. 0| regara raju, oarya| orarg dg
pergras||ar o|asa saja le|ar rerjad| |aya |arera rere|a oerreral dar rery|rpar |eo|r oarya| dar|pada orarg |a|r. Vere|a yarg dg |ors|sler o|sa
rery|rpar |eo|r dar|pada 10 perser a|ar rerjad| |eo|r |aya dg cepal dar|pada rere|a yarg l|da| rery|rpar. Corlorrya salu |e|uarga yarg
oerpergras||ar Rp30.000.000 selarur. Kala|ar|ar rere|a oerreral-cerral dar oerras|| rery|rpar 25 dar|pada pergras||arrya seou|ar d|oar|,
rerjad| RpZ.500.000 selarur (Rp25.000 seou|ar). 3ela|ar 25 larur, pergras||ar yarg d||urpu||ar |a|ar Rp591.000.000.
3e|ararg oard|rg|ar dg |e|uarga yarg oerpergras||ar Rp50.000.000 selarur, lelap| rere|a su|a oeroe|arja dar oerloya-loya dar rarya rery|rpar
seoarya| 5 dar|pada pergras||arrya alau Rp2.500.000 selarur (Rp208.333 seou|ar). 3ela|ar 25 larur, pergras||ar ler|urpu| d|oar| |a|ar rarya Rp
198.000.000
8ekarang anda sudah mengetahu| rahas|a tehn|k |nvestas| yang b|asa d|gunakan o|eh profess|ona| dan jutawan. |ncangkan bersama-sama
ke|uarga anda dan saya harap anda dapat meny|mpan secepat mungk|n!
T|CA RAhA8|A HEN6AR| UANC YANC ANYAK 0|RUHAh
Pe|uang Hemb|na Keh|dupan Yang Leb|h 6emer|ang
8arya| orarg yarg rergarggap rercar| uarg urlu| d|s|rpar alau d||rveslas||ar seoaga| salu rasa|ar oesar. Telap| ||la rarus re||ral rasa|ar |r| seoaga|
salu pe|uarg, ou|arrya seoaga| salu ra|argar. Pe|uarg |r| dalarg da|ar l|ga oerlu| :
1. Vergara||ar lalao|al oerreral cerral
2. Vergurarg| peroe|arjaar
3. Veraroar pergras||ar
8ag| orarg- orarg yarg oerrol|vas|, ooje|l|l-ooje|l|l |r| rudar d|capa| larpa rergera| oalas urur dar |ear||ar. Var| ||la |aj| salu persalu :
1. Hengama|kan tab|at berhemat cermat
3alu per|ara yarg sargal su|ar d||a|u|ar pada aWa|rya, lap| dg rudar |a o|sa rerjad| lao|al yarg oa|| |a|ar rery|rpar seoag|ar dar|pada
pergras||ar arda. 0|s|p||r seperl| |r| sargal oa||, |arera |a l|da| reroer| pe|uarg |epada arda urlu| rerooros|arrya.
3eoa||rya uarg |lu d|rasu|ar |eda|ar re|er|rg yarg l|da| rudar d||e|uar|ar. uarg |r| serarusrya d|s|rpar urlu| d||rveslas||ar, dar l|da| Wajar j||a
|a d|gura|ar urlu| peroe|arjaar arda serar|-rar| Wa|aupur da|ar |eadaar lerdesa|.
Vurg||r arda l|da| seluju dg cara |r|, |arera o|asarya peroe|arjaar arda re|eo|r| apa yarg arda pero|er|, lelap| arda d|raseral|ar supaya
re|a|u|arrya ru|a| se|ararg.
Vurg||r arda juga oerlarya, oerapa oarya| jur|ar uarg yarg per|u d|s|rpar. 3eoa||rya agar arda ru|a| rery|rpar sel|da|-l|da|rya 10 perser
dar|pada pergras||ar yarg arda pero|er.
0a|ar Wa|lu yarg s|rg|al, jur|ar s|rparar uarg arda a|ar rerjad| oarya| dar |r| a|ar reroer| serargal |epada arda urlu| rery|rpar dg jur|ar
yarg |eo|r oarya| |ag|.
2. Hengurang| perbe|anjaan
K|la se|a|urya reroe|arja|ar uarg urlu| oarya| per|ara. 0|arlararya rerarg peroe|arjaar yarg sargal d|per|u|ar seperl| seWa rurar , reroe||
ra|arar , reroayar re|er|rg-re|er|rg lag|rar dar reroe|| pa|a|ar. 0ar ada juga d| arlararya yarg reroe|arja|ar |epada ra|-ra| yarg l|da| oeg|lu
per|u, lelap| ||la |a|u|ar juga seperl| rervar|as| |erdaraar, reroe|| r|asar rurar dar ada juga d|arlararya yarg oeroe|arja urlu| |eper|uar yarg
reWar, padara| per|ara leseoul seoerarrya l|da| d|per|u|ar dar o|sa d| |elep||ar du|u.
Raras|a urlu| rergurarg| peroe|arjaar |a|ar dg cara rer||a| seru|a |ese|ururar peroe|arjaar dar rerolorg peroe|arjaar yarg l|da| d|per|u|ar alau
d| |elep||ar du|u larpa rerggarggu rulu r|dup arda. 8u|arrya l|da| oo|er re|arcorg alau ra|ar d||uar, lelap| seoa||rya Wa|lu |uarg |lu d|gura|ar
urlu| rerarcarg |euargar arda.
Ada juga peroe|arjaar yarg lerseroury|, corlorrya arda o|sa rergreral pergguraar gu|a, dar rergurarg| rero|o|. 3eoerarrya dg cara |r| larpa d|
sadar| arda o|sa rergreral|ar oerjula-jula rup|ar selarur. Arlara per|ara yarg o|sa d| d|reral|ar |a|ar seperl| oer||ul :
8ewa Rumah
P|rdar |erurar yarg rarga seWarya |eo|r rurar, alau reroe|| rurar serd|r| |arera |a |eo|r rergurlurg|ar urlu| jarg|a Wa|lu yarg parjarg.
Kartu kred|t
8ayar|ar secepal rurg||r urlu| rergr|rdar| oerl|rourrya ourga.
Perabot Rumah
0as, ||slr||, r|rya| larar alau oarar ap| rarus d|gura|ar dg reral. R|rg|as|ar perca|apar re|a|u| le|epor, alau arda rerggura|ar le|epor pada
Wa|lu ra|ar |ecua|| urlu| Wa|lu darural. Vere|epor pada Wa|lu ra|ar sargal rergreral|ar |arera o|ayarya |eo|r rurar.
Hakanan
Veroe|| ra|arar yarg oarya| se|a||gus ada|ar |eo|r rurar. 8e|| dar| pasar r|rggu alau pasar ra|ar. Kurarg| ra|ar yarg oer|era| seoao o|asarya
|eo|r rara|. 3eoa|||rya ra|ar|ar ra|arar yarg oer|ras|al lelap| |eo|r rurar. J||a d|lerpal |erja arda ada |arl|r, arda oo|er ra|ar d||arl|r supaya
dapal rergurarg| ra|ar d||uar.
Paka|an
Veroe|| oaju yarg oer|ua||las dar larar |ara ada|ar |eo|r oa|| darpada ler|a|u ser|rg reroe|| oaju yarg rurar lelap| cepal rusa|.
Hob||
J||a jararg rerggura|arrya l|da| usar reroe||rya. J||a rerarg se|a|u rerggura|arrya, oe|||ar rode| yarg e|oror|s. 3erv|s dar peroa||| serd|r|
apa yarg ||la rarpu. Cuc| serd|r| roo|| arda. 0ar rarus 3e|a|u rergelaru| rarga serv|s roo|| dar rarga orderd||rya.
Rekreas|
Perg| oere|reas| d|lerpal yarg de|al dar org|osrya |eo|r rurar.
Corlor d| alas ada|ar seoag|ar pergoroarar |ec|| yarg dapal reroarlu dar rergreral|ar uarg. la l|da| a|ar rerggarggu |ua||las r|dup arda pada
Wa|lu se|ararg, lelap| reroer| |eurlurgar yarg oarya| urlu| |ereWarar pada rasa depar.
3. Henambah Penghas||an
3e|a|r usara oerreral, arda juga rarus reraroar pergras||ar. usara reraroar pergras||ar larpa| su|ar, lelap| j||a arda rau rercooa |a
l|da||ar oeg|lu su|ar.
Tugas perlara j||a arda rau rercar| suroer urlu| rer|rg|al|ar pergras||ar |a|ar rergera|| dg lepal apa|ar yarg arda su|a| dar arda dapal
re|a|u|ar per|ara lerseoul dg oa||.
3el|ap orarg rerpurya| |ear||ar, o|asarya rere|a rerpurya| salu alau dua |ear||ar ulara dar oeoerapa (oa|al) |ec||. Kear||ar re|ar|r|ar oa|al |r|
sargal perl|rg urlu| rerpero|er |egero|raar dar |eoarag|aar arda.
J||a arda rarpu re|ar|r|ar |ear||ar lerseoul d| o|darg |eusaraWarar, sudar lerlu |a o|sa rerdalarg|ar |eurlurgar yarg sargal |urayar.
Corlorrya j||a arda oagus rerggura|ar largar, cooa arda l|||r|ar urlu| reroual |erja sarp|rgar urlu| rerperoa||| sesualu.
Arda juga o|sa re|a|u|ar |erja p|uro|rg alau yarg oer|a|lar dg p|pa, jar, rad|o alau corpuler. 3e||rarya arda r|ral oer|eour, cooa raralaal|ar
roo| |r| dg reraWar|ar jasa |epada orarg |a|r, seperl| reroual larar, rerjua| sayur-sayurar |epada orarg |a|r, ouar-ouarar, oer|r dar seoaga|rya.
3earda|rya arda su|a oero|cara dar oerjurpa dg oarya| orarg, arda rurg||r o|sa rerjua| sesualu. Arda o|sa re||oal|ar d|r| da|ar jua|ar |argsurg,
alau rargajar, alau rerjua| asurars|. J||a arda rer||||| sesualu |ear||ar, arda o|sa rergajar|arrya |epada orarg |a|r, apa|ar secara oeoas alau
secara lorra|.
Arda rarya a|ar o|sa su|ses j||a arda re|a|u|ar |erja-|erja yarg arda su|a, yarg rara |a rerggura|ar oa|al arda dar o|sa rerya|ur|arrya
|earar yarg rergurlurg|ar. 8arya| orarg yarg oerl|||r rarya seoag|ar |rduslr| saja yarg rergurlurg|ar, padara| arda seoerarrya o|sa su|ses
Wa|au da|ar o|darg apapur. lr| sudar d|ou|l||ar o|er julaWar-julaWar yarg le|ar rerga|ar|rya.
J||a arda rerpurya| rasa|ar urlu| rerdapal|ar |de alau pe|uarg, |eo|r oa|| car| re|ar dar dudu| oersara, aro|| |erlas |osorg dar calal|ar serua
|de yarg d|l|||r|ar.
Jargar d||r|l|| serua |de yarg d|oer||ar, sele|ar |lu oaru|ar |de |lu d|sar|rg dar d||aj| serla d|ara||s|s ser|rgga dapal d|Wujud|ar salu perye|esa|ar.
T|da| pedu|| oerapa |ara Wa|lu yarg d| oulur|ar, rurg||r salu alau dua rar|, ser|rggu alau seou|ar , asa||ar |a l|da| d|perdar oeg|lu saja. la| |r|
o|asa oer|a|u, |arera apao||a ||la ada |de lelap| l|da| reroual l|rda|ar apa-apa, a|r|rrya sele|ar oerlarur-larur ||la lelap oerada d|pos|s| yarg |ara.
Alau arda juga o|sa re|a|u|arrya seorarg d|r|, car| lerpal yarg sep| alau arda oargur pag|-pag| so|al suour, sele|ar |lu arda jargar l|dur |ag|.
Lupa|ar rasa|ar serar| -rar| dar lerarg|ar l|||rar, alau |eo|r oa|| arda oargur ra|ar urlu| seroaryarg larajud. lrsya A||ar pe|erjaar seperl| |lu
a|ar rerudar|ar urlu| rerdapal ||rar.
0er|||ar|ar rergera| raras|a rercar| uarg yarg oarya|, |a da|ar salu usara yarg lerpadu alau oergaourg. 3alu usara a|ar rergual|ar usara yarg
|a|r. Peru||s juga |rg|r rerg|rgal|ar oarWa per|ara-per|ara d|alas per|u d|du|urg dg per|ara-per|ara yarg d|surur o|er agara seperl| oerdoa,
sede|ar, za|al, rero|org orarg dar seoaga|rya.
la| |r| sargal per|u |arera sel|ap |eoa|||ar a|ar d|oa|as dg |eoa||ar dar serua usara rarya|ar dalarg dg oer|al dar rarral dar| A||ar 3wT. K|la
juga rarus laWa||a|, dar seoaga| orarg oer|rar ||la rarus serarl|asa r|dra dar rerg|aj| sel|ap |eoa||ar dar |eouru|ar. Vudar-rudarar A||ar a|ar
reroer| reze|| yarg re||rpar |epada ||la.
U8AhA 0C 6ARA AC| hA8|L
(3Tu0l KA3u3) 3e|aral pag|,
3aya rau rerarya|ar rasa|ar oag| ras||.
3aya dapal p|rjarar roda| usara seoesar 10 jula dar| saudara saya, dg calalar ras||rya d|oag|, saya o|rgurg oaga|rara peroag|ar ras|| |eurlurgar yarg
oelu|, soa|rya da|ar rerja|ar|ar usara lerseoul pasl|rya ada o|aya operas|ora| p|us leraga serla p|||rar yarg saya |e|uar|ar. Voror lou dapal rerje|as|ar
peroag|ar yarg oelu| dar o|sa sa||rg rergurlurg|ar.
Ter|ra |as|r seoe|urrya, roror dapal d|oa|as secepalrya |arera usararya a|ar segera d||a|u|ar. R|ra Facrrar
Jawaban:
la|o lou R|ra,
3eouar usara yarg d|oargur secara palurgar roda| oa|| oerupa uarg lura| raupur |ear||ar, ser|rgga rerouar|ar |er|lraar, ra|a sega|a urlurg rug|
a|ar d|larggurg oersara. J||a usara yarg rarl|rya a|ar d|ja|ar|ar rerga|ar| |erug|ar ra|a rarus d|larggurg o|er serua p|ra|, dar j||a urlurg rarus
d|oag| secara propors|ora|. Peroag|ar ras|| usara pada |rl|rya ada|ar |esepa|alar |e dua oe|ar p|ra| secara ad|| dar lerou|a. Ad|| arl|rya sel|ap r|lra alau
parlrer rerdapal|ar oag|ar sesua| dg |orlr|ous|rya oa|| oerupa leraga , |ear||ar, raupur roda| uarg. Terou|a arl|rya sel|ap p|ra| rergelaru| oerapa
oag| ras|| |eurlurgar yarg rerjad| r||||rya dar oerapa yarg rejad| r|||| parlrer |a|rrya, jad| sa||rg rergelaru| salu sara |a|r.
urlu| oag| ras|| usara Arda |epada lerar yarg reroda||, o|sa Arda aju|ar oeoerapa cara alau s|era oag| ras||, arlara |a|r:
1. uarg yarg d|p|rjar|ar d|arggap seoaga| rularg dar o|sa Arda |eroa|||ar dg cara rerc|c|| da|ar jarg|a Wa|lu lerlerlu dar d||era|ar ourga.
V|sa|rya j||a ourga |red|l saal |r| 12 per larur, ra|a supaya |eo|r rerar|| Arda o|sa reraWar|ar pergeroa||ar dg su|u ourga rularg |eo|r l|rgg|
r|sa|rya 20 perlarur Narur r|rla|ar lerggarg Wa|lu rasa oe|ur reroayar c|c||ar sarpa| dg 3 ou|ar, sele|ar 3 ou|ar oaru|ar Arda reroayar
c|c||ar. Adapur jarg|a Wa|lu pe|urasar dg cara peroayarar c|c||ar o|sa d||a|u|ar se|ara 2 larur. Cara |r| oerarl| Arda oerrularg dar ou|ar oerr|lra.
3er|rgga lerar Arda l|da| oerra| alas oag| ras|| usara.
2. J||a lerar Arda yarg reroda|| 100, sedarg|ar Arda l|da|. Narur Arda|ar yarg a|ar rerge|o|a usara lerseoul |arera rer||||| |ear||ar, ra|a
oag| ras|| o|sa d|aju|ar seoesar 50 : 50 alau 10 : 0. P|ra| peroda| o|asarya rerdapal|ar |eurlurgar |eo|r oesar. la| |r| dg calalar j||a usara
rerga|ar| |eurlurgar. J||a oe|ur urlurg, ra|a se|urur p|ra| ya|lu Arda dar lerar a|ar rerarggurg oersara. Kes|rpu|arrya, |eurlurgar a|ar
d|oag| |epada l|ap p|ra| sele|ar d|polorg o|aya-o|aya operas|ora|. Jad| jargar |raWal|r dar la|ul j||a lerar Arda rera|sa urlu| rerdapal|ar
|eurlurgar |argsurg dar| perjua|ar, seoao ra| |lu l|da| |az|r. 0ar| |eurlurgar perjua|ar seoa||rya l|da| |argsurg d|oag||ar, rarur d||urarg| du|u dg
o|aya produ|s| dar operas|oara|. (||slr||, le|por, gaj| |aryaWar, d||) 8aru|ar d|dapal |eurlurgar oers|r. Keurlurgar oers|r |r||ar yarg d|oag| |epada para
per|||| usara, ya|lu Arda dar lerar Arda, sesu|a dg s|era oag| ras|| yarg sudar d|sepa|al|.
3eroga su|ses dg o|sr|s Arda. V||e R|r|

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