Transcript
  • $O0DZDULG(GLVL,;7DKXQ

    06XODUQR.RQVHS.HSHPLOLNDQGDODP,VODP

    3HQXOLVDGDODKGRVHQWHWDSGDQ6HNUHWDULV-XUXVDQ6\DULDK)DNXOWDV,OPX$JDPD,VODP8,,

  • $O0DZDULG(GLVL,;7DKXQ

    06XODUQR.RQVHS.HSHPLOLNDQGDODP,VODP

    DGDQ\DKDNPLOLNSULEDGLPDXSXQPLOLNXPXP,VODPMXJDPHQJKRUPDWLKDNPLOLNVHNDOLJXVPHPEHULNDQ DWXUDQDWXUDQQ\D VHSHUWL MLND KDNPLOLN VHVHRUDQJ WHODKPHQFDSDLMXPODKWHUWHQWXKDUXVGLGLVWULEXVLNDQNHSDGDRUDQJODLQ3HQJKRUPDWDQ,VODP WHUKDGDSDGDQ\DKDNPLOLN WHUFHUPLQVHFDUDQ\DWDGDODPNRQVHSKDTDODGDPLGLVDPSLQJLWXSHUOLQGXQJDQNHVHODPDWDQKDNPLOLNSULEDGLSXQGLEHULNDQ,VODPGHQJDQGLWHQWXNDQQ\DVDQNVLSLGDQDWHUKDGDSRUDQJ\DQJPHUDPSDVQ\DEDLNPHODOXLFDUDSHQFXULDQDWDXSXQSHUDPSRNDQ

    'DODP ,VODPKDNLNDW NHSHPLOLNDQDWDVDODPEHVHUWD LVLQ\DVHFDUDPXWODNEHUDGDGLWDQJDQ$OODKVHGDQJNDQNHSHPLOLNDQPDQXVLDEHUVLIDWQLVELGDQWHPSRUDOVHEDJDLSHPEHULDQ$OODKDJDUPDQXVLDEHUNHPDPSXDQPHQJDWDVLNHEXWXKDQQ\DVHUWD GDSDW PHQXQDLNDQ IXQJVLQ\D VHEDJDL SHPDNPXU GXQLD VHNDOLJXV KDPED$OODK\DQJVHQDQWLDVDPHQJDEGLNHSDGD1\DVHFDUDYHUWLNDOPDXSXQKRULVRQWDO

    % .HSHPLOLNDQGDODP3HUVSHNWLI$O4XUDQGDQ$O6XQQDK

    $O4XUDQ VHEDJDL VXPEHU KXNXP XWDPD GDQ SHUWDPD GDODP ,VODPPHQ\DWDNDQEDKZD$OODKDGDODKSHPLOLNVHSHQXKQ\DVHJDODVHVXDWX'LDDGDODKSHQFLSWDDODPVHPHVWDQDPXQEXNDQXQWXNNHSHQWLQJDQ1\DVHQGLULPHODLQNDQXQWXNPDQXVLDVHFDUDNROHNWLI0DQXVLDGLEHULKDNPLOLNVHFDUD LQGLYLGX VHWLDSSULEDGL EHUKDN PHPLOLNL PHQLNPDWL GDQ PHPLQGDKWDQJDQNDQ NHND\DDQ WHWDSLPHUHND PHPSXQ\DL NHZDMLEDQ PRUDO PHQ\HGHNDKNDQ KDUWDQ\D XQWXN \DQJEHUKDN

    .HWHQWXDQ $O4XUDQ GDQ $O6XQQDK PHQJHQDL SHQJDWXUDQ NHSHPLOLNDQNHND\DDQQ\DDQWDUDODLQ

    3HPDQIDDWDQ1DEL6$:EHUVDEGD2UDQJ\DQJPHQJXDVDLWDQDK\DQJWDNEHUWXDQWLGDNODJLEHUKDNDWDVWDQDKLWXMLNDVHWHODKWLJDWDKXQPHQJXDVDLQ\DLDWLGDNPHQJJDUDSQ\DGHQJDQEDLN

    3HQXQDLDQ +DN 6HWLDSPXVOLP \DQJPHPLOLNL NHND\DDQPHQFXNXSL QLVDEKDUXVPHQXQDLNDQ ]DNDW VHVXDL DWXUDQ V\DUD.DWHJRUL KDUWD \DQJGL]DNDWLPHQXUXW DWXUDQPDVD DZDO ,VODP WLGDN KDUXVPHQMDGLNDQ WRORN XNXU GDODPPHQHWDSNDQKDUWD\DQJGL]DNDWLSDGDPDVDNLQL'LGDODPKDUWDRUDQJND\DWHUGDSDW KDN PXVWDKLT ]DNDW PHUXSDNDQ ODPEDQJ KDUPRQLVQ\D KXEXQJDQVHVDPDPDQXVLD

    7LGDN0HUXJLNDQ3LKDN/DLQ 3HQJJXQDDQPLOLN \DQJ EHUIDHGDK GLWXMXNDQXQWXNPHQGDWDQJNDQPDQIDDWEDJLSHPLOLNQ\DQDPXQ WLGDNGLEHQDUNDQ MLNDGDODP SHQJJXQDDQQ\D PHQJKDGLUNDQ PDGDUDW EDJL SLKDN ODLQ PHUXJLNDQ

    $KPDG$]KDU%DV\LU5HHNVL$WDV3HUVRDODQ.HLVODPDQ0L]DQ%DQGXQJK46$OL,PUDQ46$O%DTDUDK4XUDLVK6KLKDEGDODP)LOVDIDW+XNXP,VODP ,VPDLO06\DKHGW%XPL$NVDUD-DNDUWD

    K

  • $O0DZDULG(GLVL,;7DKXQ

    06XODUQR.RQVHS.HSHPLOLNDQGDODP,VODP

    SLKDN ODLQ EHUDUWL SXOD PHUHPHKNDQ $OODK VHEDE $OODKODK SHPLOLN VHJDODVHVXDWX %DKNDQ VHEDOLNQ\D KDN PLOLN VHKDUXVQ\D PHPEHUL PDQIDDW EDJLSLKDN ODLQ'DODP NRQWHNV LQL NDLGDKPHQ\HEXWNDQ EDKZD PHQJKLQGDUNDQNHPDGDUDWDQKDUXVGLXWDPDNDQGDULSDGDPHQDULNNHPDQIDDWDQ

    .HSHPLOLNDQ 6HFDUD 6DK $O4XUDQ PDXSXQ $O6XQQDK PHODUDQJ VHPXDWLQGDNDQ XQWXN PHPSHUROHK KDUWDPLOLN GHQJDQ FDUD PHODZDQ KXNXPNDUHQDKDO LQLPHQMDGLVXPEHUNHUXVDNDQ'HPLNLDQSXODPHQGDSDWNDQKDNPLOLNPHODOXLNHSXWXVDQSHQJDGLODQGHQJDQFDUDWHUFHODVHSHUWLSHQ\XDSDQNHVDNVLDQSDOVXGOO

    3HQJJXQDDQ %HULPEDQJ 3HPLOLN KDUWD EHQGD GDODP SDQGDQJDQ V\DULDWKDUXVPHQJJXQDNDQQ\D VHFDUD EHULPEDQJ \DNQL MDQJDQ ERURV GDQ MDQJDQNLNLU$O4XUDQPHQJDMDUNDQEDKZDDJDUWLGDNWHUMHUXPXVNHGDODPFHODGDQSHQ\HVDODQ MDQJDQODK WDQJDQ WHUEHOHQJJX SDGD OHKHU NLNLU QDPXQ MXJDMDQJDQODKWHUODOXPHQJXOXUNDQWDQJDQERURV46$O,VUR

    'HQJDQ NHWHQWXDQNHWHQWXDQ WHUVHEXW PHQXUXW 4XUDQ GDQ 6XQQDK FLULNKDV NHSHPLOLNDQ \DQJ ,VODPL WHUOHWDN SDGD DGDQ\D SHULQWDK HWLND GDQ PRUDOGDODPSHQFDULDQPDXSXQ WDVDUXIQ\DGDQ MLNDGLSDWXKLDNDQPHQMDGLVROXVLDWDVNHEXUXNDQVLVWHPNDSLWDOLVPHGDQVRVLDOLVPH

    /HELK ODQMXW GDUL NHWHQWXDQ$O4XUDQ GDQ$V6XQQDK MXJD GDSDW GLFDSDLNDUDNWHULVWLNNHSHPLOLNDQGDODP,VODPDQWDUDODLQ

    +DNPLOLN XPXPGDQ LQGLYLGXSDGD VDDW \DQJ VDPDEHUNHGXGXNDQ VHEDJDLGDVDU XWDPD EHUEHGD GHQJDQ VLVWHP NDSLWDOLV \DQJ PHQMDGLNDQ KDN PLOLNLQGLYLGXVHEDJDLGDVDUXWDPDGDQKDNPLOLNXPXPGLNHVDPSLQJNDQEHUEHGDSXODGHQJDQVLVWHPVRVLDOLV\DQJPHQMDGLNDQKDNPLOLNXPXPVHEDJDLGDVDUXWDPDGDQKDNPLOLNLQGLYLGXGLNHVDPSLQJNDQ

    +DNPLOLN WHUNDLW ROHK NHSHQWLQJDQ RUDQJ EDQ\DN VHUWD GLRULHQWDVLNDQ XQWXNPHQFHJDKWLPEXOQ\DPDGDUDW

    +DN PLOLN SHUOX GLEHODQMDNDQGLWDVDUXINDQ GHQJDQ SULQVLS NHVHLPEDQJDQWDZD]XQ

    & 1LODL)LORVRV3HQJDWXUDQ.HSHPLOLNDQGDODP,VODP

    +DN PLOLN PHQXUXW $OL $O.KD DGDODK VXDWX NHNKXVXVDQ XQWXNPHQJXDVDL VHVXDWX \DQJ PHQJHVDPSLQJNDQ RUDQJ ODLQ GDSDW PHPDQIDDWNDQVHVXDWX WHUVHEXW7HUGDSDW SHQJHUWLDQ GDUL GHQLVL LQL EDKZDDGDQ\DKDNPLOLN

    46$O1LVD46$O%DTDUDK0$EGXO0DQQDQ7HRULGDQ3UDNWHN(NRQRPL,VODPDE01DVWDQJLQ'DQD%KDNWL3ULPD

  • $O0DZDULG(GLVL,;7DKXQ

    06XODUQR.RQVHS.HSHPLOLNDQGDODP,VODP

    PHPXQJNLQNDQVLSHPLOLNQ\DPHQJDPELOXQWXQJGDQPDQIDDWDWDVPLOLNLWXVHUWDPHQFHJDKRUDQJODLQPHQDULNXQWXQJGDQPDQIDDWWDQSDVHL]LQSHPLOLNWHUVHEXW

    'LDQWDUDNDUDNWHULVWLN,VODPDGDODK,QVDQL\\DKPDQXVLDZL,VODPPHPLOLNLSHUKDWLDQ\DQJ MHODVGDQNXDWSDGDNHPDVODKDWDQPDQXVLDEDLNGDODPDNLGDKLEDGDK PXDPDODK DNKODT GDQ RULHQWDVLRULHQWDVLQ\D ,WXODK VHEDEQ\D ,VODPPHQJDNXLGDQPHQJKRUPDWLHNVLVWHQVLNHSHPLOLNDQVHNDOLJXVPHPEHULNDQUDPEXUDPEX DWXUDQQ\D GHQJDQ PDNVXG PHQFLSWDNDQ NHPDVODKDWDQ PDQXVLD EDLNPHQJHQDL VHEDEDWDX FDUDPHPSHUROHK NHSHPLOLNDQPDXSXQSHQWDVDUXIDQQ\DGHQJDQNDLGDKNDLGDKNKXVXVNHSHPLOLNDQ

    'DUL NHWHQWXDQ V\DUD SHULKDO VHEDE DWDX FDUD PHPSHUROHK SHPLOLNDQ\DNQL ,KUD]XO PXEDKDW PHQLPEXONDQ NHEROHKDQ $O8TXG DQHNDDTDGSHUMDQMLDQ $O.KDOD\DK SHZDULVDQ $O7DZDOOXGXPLQDOPDPOXNEHUNHPEDQJELDN'DULNHWHQWXDQLQLWHUNDQGXQJQLODLQLODLORVRV\DLWX

    1LODL5DKPDW NHPXUDKDQ'LSHUEROHKNDQQ\DVHVHRUDQJPHPLOLNL VHVXDWX\DQJPXEDKVHSHUWLDLUUXPSXWSHSRKRQDQGLKXWDQELQDWDQJEXUXDQGDQODLQODLQGHQJDQV\DUDWVHVXDWXLWXWLGDNEHUDGDGDODPSHPLOLNDQNHNXDVDDQRUDQJ ODLQVHUWDDGDPDNVXGXQWXNPHPLOLNLVHVXDWX WHUVHEXWPHQXQMXNNDQEHJLWXEHVDUUDKPDWNHPXUDKDQ$OODKSDGDPDQXVLD\DQJGHQJDQSHPLOLNDQVHFDUD PXGDK WDQSD JDQWL UXJL LWX PHQMDGLNDQ LD PHPLOLNL NHPXGDKDQ GLGDODPPHPHQXKL NHSHQWLQJDQ KLGXS VHUWD PHQXQMXNNDQ SHUDQQ\D VHEDJDLNKDOLIDKVHNDOLJXVKDPED$OODK/HELKGDULLWXNHEROHKDQQ\DPHQHPSXKFDUDSHPLOLNDQVHSHUWLLQLPHUXSDNDQSHQJHMDZDQWDKDQGDULZDWDN,VODPUDKPDWDQOLODODPLQ

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

    1LODL 7DQJJXQJMDZDEGDQ -DPLQDQ.HVHMDKWHUDDQ.HOXDUJD 6DODK VDWXFDUD\DQJGLDWXU,VODPXQWXNPHPSHUROHKSHPLOLNDQDGDODKPHODOXLNKDOD\DKV\DNKV\ DQ V\DNKV\ DWDX NHZDULVDQ \DLWX ZDULV PHQHPSDWL NHGXGXNDQPXZDULV RUDQJ \DQJ PHZDULVNDQ GDODP PHPLOLNL KDUWD \DQJ GLWLQJJDONDQROHK PXZDULV 3HZDULVDQ KDUWD XWDPDQ\D PHUXSDNDQ NRQVHNXHQVL GDUL

  • $O0DZDULG(GLVL,;7DKXQ

    06XODUQR.RQVHS.HSHPLOLNDQGDODP,VODP

    KXEXQJDQ QDVDE GDQ SHUQLNDKDQ +DN PHZDULVL EDJL ZDULV VDQJDW NXDWSRVLVLQ\D PXZDULV KDUXV PHPSHUKDWLNDQ QDVLE ZDULVQ\D VHKLQJJD XQWXNEHUZDNDI VKDGDTDKKLEDKGDQ ODLQODLQDGDEDWDVPDNVLPDOQ\D KDOLQLPHQFHUPLQNDQQLODLMDPLQDQNRPLWPHQ,VODPSDGDNHVHMDKWHUDDQNHOXDUJDOHZDWSHQJDWXUDQNHSHPLOLNDQ

    %HUDQJNDW GDUL NHWHQWXDQ V\DULDW PHQJHQDL NDLGDKNDLGDK NKXVXVNHSHPLOLNDQ\DNQLSHPLOLNEHQGDPHPLOLNLPDQIDDWDWDVEHQGDLWXSHPLOLNSHUWDPD PHUXSDNDQ SHPLOLN VHPSXUQD NHSHPLOLNDQ EHQGD PDWHUL WLGDNGLWHQWXNDQZDNWXQ\DVHGDQJNDQNHSHPLOLNDQPDQIDDWSDGDGDVDUQ\DGLWHQWXNDQZDNWXQ\DNHSHPLOLNDQEHQGDPDWHULWLGDNGDSDWGLJXJXUNDQPHODLQNDQKDQ\DGDSDWGLSLQGDKNDQNHSHPLOLNDQ\DQJEHUNHPEDQJSDGDKDUWDEHUXSDEHQGDPDWHULSDGDDVDOQ\DGDSDWPHQHULPDWDVDUUXINHSHPLOLNDQ\DQJEHUNHPEDQJSDGDKXWDQJ\DQJGLSHUVHULNDWNDQGDQGLDEHUSDXWDQGHQJDQ WDQJJXQJ MDZDEWLGDN GDSDW GLEDJLEDJL GDSDW GLJDOL QLODLQLODL ORVR \DQJ DPDW OXKXU GDODPDWXUDQNHSHPLOLNDQPHQXUXW,VODPDQWDUDODLQQLODLPDQIDDWQLODLNHVHPSXUQDDQQLODL NHWHOLWLDQ GDQ NHWHJDVDQ QLODL NHNXDWDQNHSDVWLDQ QLODL SURJUHVLWDV GDQHNVLELOLWDVVHUWDQLODLWDQJJXQJMDZDENHEHUVDPDDQNHDGLODQGDQSHPHUDWDDQ

    ' ,PSOLNDVL.RQVHS.HSHPLOLNDQGDODP,VODP7HUKDGDS3HQJHPEDQJDQ(NRQRPL,VODP

    'L DQWDUD VDVDUDQ SRNRN V\DULDW ,VODP DGDODK PHPEHEDVNDQ PDQXVLDGDULNHPLVNLQDQPHQXMXNHKLGXSDQ\DQJOD\DNEHUNHFXNXSDQ$O4XUDQGDQ$O6XQQDKPHQHNDQNDQ DJDU VHWLDSPDQXVLD EHNHUMD VHFDUD SURGXNWLI PHQJRODKNHND\DDQDJDUPHQMDGLVXPEHUHNRQRPLVHEDJDLSHQXQMDQJNHEXWXKDQKLGXSQ\D$OODK WLGDNPHPEHUL UL]NLSDGDPDQXVLDGDODPEHQWXN MDGLGDQVLDSGLJXQDNDQPHODLQNDQKDQ\DGLSHUVLDSNDQGDODPEHQWXNVDUDQDGDQVXPEHUGD\DDODP

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

    5XDQJ /LQJNXS (NRQRPL 'DODP NRQVHSVL ,VODP FDNXSDQ HNRQRPL WLGDNWHUEDWDV PHQJHQDL VHEDEVHEDE PDWHULLO NHVHMDKWHUDDQ PHODLQNDQ MXJD

    ,ELGK0$6DKDO0DKIXGK1XDQVD)LTLK6RVLDO/.,6

  • $O0DZDULG(GLVL,;7DKXQ

    06XODUQR.RQVHS.HSHPLOLNDQGDODP,VODP

    PHQJHQDL KDOKDO \DQJ EHUVLIDW QRQ PDWHULLO \DQJ WXQGXN NHSDGD ODUDQJDQ,VODP WHQWDQJ NRQVXPVL SURGXNVL GDQ SHPDVDUDQ 0HQXUXW ,VODP EDLNNRQVXPHQPDXSXQSURGXVHQEXNDQODKUDMDSULODNXNHGXDQ\DKDUXVGLWXQWXQROHKNHVHMDKWHUDDQXPXPLQGLYLGXDOGDQVRVLDOVHVXDLDMDUDQV\DULDW,VODP'DODPVLVWHPHNRQRPL,VODP\DQJPHQMDGLDVXPVLGDVDUQ\DDGDODKV\DULDW,VODP GDQ GLEHUODNXNDQ VHFDUD NDIIDK EDLN WHUKDGDS LQGLYLGX NHOXDUJDNHORPSRNPDV\DUDNDWXVDKDZDQPDXSXQSHPHULQWDK

    0RWLYDVL(NRQRPL,VODP6DODKVDWXNHNKDVDQHNRQRPL,VODP\DNQLEDKZDPRWLYDVLGDULDNWLYLWDVHNRQRPLDGDODKPHQFDULNHEHUXQWXQJDQGLGXQLDGDQDNKLUDWVHEDJDLSHODNVDQDDQWXJDVNKDOLIDWXOODKGDODPNHUDQJNDLEDGDKGDODPDUWL\DQJOXDV+DOLQLVHVXDLGHQJDQSHULQWDK$OODKDJDUPDQXVLDPHQJJDSDLNHEDKDJLDDQ DNKLUDW WDQSD PHOXSDNDQ NHEDKDJLDDQ GDQ NHVHMDKWHUDDQGXQLDZL46$O4DVDV

    3ULQVLS'DVDU(NRQRPL ,VODP'DULPDNQDGDQNDLGDKNDLGDKNHSHPLOLNDQSHUVSHNWLI ,VODP GDSDW SXOD GLIRUPXODVLNDQ SULQVLSSULQVLS GDVDU HNRQRPL,VODPDQWDUDODLQD .HEHEDVDQ,QGLYLGXVHWLDSLQGLYLGXPHPLOLNLNHEHEDVDQXQWXNPHPEXDWNHSXWXVDQ\DQJGLDQJJDSSHUOXNDUHQDWDQSDNHEHEDVDQLQGLYLGXPXVOLPWLGDN GDSDW PHQXQDLNDQ NHZDMLEDQ DJDPD GDQ QHJDUD WHUPDVXN \DQJEHUNDLWDQ GHQJDQ NHJLDWDQ HNRQRPL GHPL NHVHMDKWHUDDQ SULEDGL GDQNHOXDUJDQ\DDVDONDQWLGDNPHUXJLNDQSLKDNODLQ

    E .HWLGDNVDPDDQ (NRQRPL GDODP EDWDV \DQJ ZDMDU ,VODP PHQJDNXLDGDQ\DNHWLGDNVDPDDQHNRQRPLGLDQWDUDRUDQJSHURUDQJQDPXQWLGDNPHPELDUNDQQ\D PHQMDGL EHUWDPEDK OXDV PHODLQNDQ EHUXSD\D DJDUNHWLGDNVDPDDQWLQJNDWHNRQRPLWHUVHEXWGDODPEDWDVNHZDMDUDQ

    F .HVDPDDQ 6RVLDO ,VODP PHQJDNXL DGDQ\D NHWLGDNVDPDDQ GDODPHNRQRPL,VODPPHQGXNXQJDGDQ\DNHVDPDDQVRVLDOVHKLQJJDNHND\DDQQHJDUDWLGDNKDQ\DGLQLNPDWLROHKVHNHORPSRNPDV\DUDNDWWHUWHQWXVDMDGLVDPSLQJLWXKDUXVSXODGLXSD\DNDQDJDUVHWLDSLQGLYLGXPHPLOLNLSHOXDQJ\DQJVDPDXQWXNEHUXVDKDDWDXEHUDNWLYLWDVHNRQRPL

    G -DPLQDQ 6RVLDO 0HQXUXW ,VODP VHWLDS LQGLYLGX PHPLOLNL KDN KLGXSGDQ VHWLDS ZDUJD VXDWX QHJDUD GLMDPLQ XQWXN PHQGDSDWNDQ NHEXWXKDQSRNRNQ\D

    H 'LVWULEXVL .HND\DDQ VHFDUD0HOXDV 6LVWHP HNRQRPL ,VODPPHODUDQJSHQXPSXNDQNHND\DDQSDGDNHORPSRNNHFLOWHUWHQWXPHODLQNDQKDUXVDGDSHQGLVWULEXVLDQOXDVNHSDGDSDUDPXVWDKLT+DUWD\DQJGLPLOLNLVHVHRUDQJGDQPHPHQXKLXNXUDQWHUWHQWXDGDODKPHQJDQGXQJKDNRUDQJODLQ\DQJPHPEXWXKNDQQ\D

    I /DUDQJDQ0HQLPEXQ.HND\DDQ'DODP ,VODPGLFHJDKDGDQ\DSUDNWHNSHQLPEXQDQNHND\DDQNRPRGLWLGHQJDQPDNVXGDJDU WHUMDGLNHODQJNDDQ

    0$EGXO0DQQDQ2S&LWK0)DUXT$Q1DEDKDQ6LVWHP(NRQRPL,VODPDE0XKDGL=DLQXGGLQ8,,3UHVV

  • $O0DZDULG(GLVL,;7DKXQ

    06XODUQR.RQVHS.HSHPLOLNDQGDODP,VODP

    EDUDQJVHKLQJJDPHQDLNNDQKDUWDGHPLNHSHQWLQJDQSULEDGLSHPLOLNQ\DJ .HVHMDKWHUDDQ %HUVDPD ,VODP PHQJDNXL NHVHMDKWHUDDQ LQGLYLGX GDQNHVHMDKWHUDDQPDV\DUDNDWEHUVDPDGHQJDQVDOLQJPHOHQJNDSLEXNDQQ\DVDOLQJ EHUVDLQJEHUWHQWDQJDQ DQWDU NHGXDQ\D 6LVWHP HNRQRPL ,VODPEHUXSD\DPHPLQLPDOLVDVL NHPXQJNLQDQ WHUMDGLQ\D DQHND NRQLN GHQJDQDWXUDQDWXUDQ\DQJGDSDWPHZXMXGNDQPDQIDDWEHUVDPD

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

    'DUL EHUEDJDL NHWHQWXDQ NHSHPLOLNDQPHQXUXW TKPXDPDODK GDSDW SXODGLIDKDPLEDKZD,VODPPHQ\HGLDNDQLQVWUXPHQSLUDQWLXQWXNEHUDNWLYLWDVHNRQRPL\DQJ,VODPL\DLWX$WXUDQWHQWDQJKDUWD\DQJKDODOGDQ\DQJKDUDPODUDQJDQPHQLPEXQKDUWD SHULQWDKPHPEHODQMDNDQPHQGLVWULEXVLNDQKDUWD DMDUDQ]DNDWDWXUDQNHZDULVDQSHPEDJLDQKDUWDUDPSDVDQSHUDQJSHULQWDKEHUKHPDW ,QVWUXPHQ ODLQ \DNQL DWXUDQ SDMDN ZDNDI LQIDT VDGDTDK NHWHUOLEDWDQQHJDUDGDODPPHQJDWXUGDQPHPIDVLOLWDVLELGDQJHNRQRPL

    ( 3HQXWXS

    'DODPNRQVHSVL,VODPNHSHPLOLNDQPXWODNEHUDGDGLWDQJDQ$OODK.HSHPLOLNDQPDQXVLDDWDVVHVXDWXGLDNXLGDQGLKRUPDWLHNVLVWHQVLQ\DGHQJDQNHWHQWXDQPHQJKDUJDLDVDVPDQIDDWPHQXQDLNDQSHPED\DUDQ]DNDWPHQGLVWULEXVLNDQSDGD PXVWDKLT WLGDN PHUXJLNDQ SLKDN ODLQ FDUD PHPSHUROHK GDQPHQWDVDUXINDQQ\DVHFDUDVDKSHQJJXQDDQQ\DVHFDUDVHLPEDQJ

    0HPSHUKDWLNDQ NHWHQWXDQ NHSHPLOLNDQ GDODP ,VODP EDLN VHEDEFDUDPHPSHUROHK GDQ NDLGDKNDLGDK NKXVXV NHSHPLOLNDQ GLIDKDPL DGDQ\DPXDWDQ QLODLQLODL ORVRV DQWDUD ODLQ QLODL UDKPDW QLODL SHQJKDUJDDQNHSDVWLDQ GDQ NHUHODDQ QLODL WDQJJXQJ MDZDE GDQ MDPLQDQ NHVHMDKWHUDDQQLODLNHVHPSXUQDDQQLODLNHWHOLWLDQQLODLHNVLELOLWDVQLODLNHEHUVDPDDQQLODLNHDGLODQQLODLSHPHUDWDDQGDQODLQODLQ

    $WXUDQNHSHPLOLNDQGDODP,VODPEHULPSOLNDVLWHUKDGDSSRWHQVLSHQJHPEDQJDQHNRQRPL,VODPLGHQJDQGLSHUROHKQ\DIRUPXODVL WDWDQDQHNRQRPL\DQJ,VODPL

    $I]DOXU 5DKPDQ'RNWULQ (NRQRPL ,VODP , DE 6XUR\R 1DVWDQJLQ 'DQD %KDNWL:DNDI

  • $O0DZDULG(GLVL,;7DKXQ

    06XODUQR.RQVHS.HSHPLOLNDQGDODP,VODP

    PHOLSXWLUXDQJOLQJNXSHNRQRPLPRWLYDVLHNRQRPLSULQVLSGDVDUHNRQRPL'LVDPSLQJ LWX GDSDW GLIDKDPL LQVWUXPHQSLUDQWL HNRQRPL \DQJ FXNXS VWUDWHJLVXQWXNPHQJHPEDQJNDQHNRQRPLXPDWVHFDUD,VODPL

    'DIWDU3XVWDND

    $EGXO0DQQDQ7HRULGDQ3UDNWHN(NRQRPL,VODPDE01DVWDQJLQ'DQD%KDNWL3ULPD


Top Related