TULISAN KE-10 ENGLISH BUSSINESS 2

BRI THE MOST PROFITABLE, AND SERVE THE KEY FOCUS

Jakarta PT Bank Rakyat Indonesia (Persero) was named the most profitable national company by Forbes International. Of the 10 companies that entered Indonesia in 2000 the most profitable companies in the world, Bank BRI in the top position. In addition, there are five other financial companies.

Of the 10 firms that (financial and non financial), six companies are owned by the government, including the Bank BRI. According to the Managing Director of Bank BRI Sofyan Basir, the key to the success of Bank BRI is it focused on the primary market (segment), which is the empowerment of micro, small and medium enterprises (SMEs). "The key focus of our side of the market," said Sofyan. Bank BRI also focus on expanding and strengthening the network and access services to customers.

"If you look now it's spoiled our customers, because BRI is everywhere. So, we provide exceed the expectations of our customers. I think that our performance of this kind, it is also a reward given for BRI customers, "said Sofyan.

It is said Sofyan, strengthening SME market is not out of line with people's economic recovery efforts of government and various parties encourage economic growth. "So, our economy is growing so well that SME market also rose strongly, and we were already there," said Sofyan.

The Role of Civil BRI
Sofyan also thank all the employees of Bank BRI has served the people of Indonesia as well as possible so that clients entrust their liquidity is managed by the BRI. "There is a massive transformation will work culture and human resources services (HR) in both the BRI. As a State Owned Enterprise is a challenge that we must not be lost to the private sector in terms of human resources, "said Sofyan.

In terms of profitability, in addition to winning over other state-owned Bank BRI beat Singapore banks operating in Indonesia with a profit of U.S. $ 1.7 billion, although in terms of assets in the second position in the banking industry.

Profit is also equivalent to the profit of the major banks world-class average of nearly U.S. $ 2 billion. Not this time Bank BRI gain the same appreciation. In 2009, Bank BRI also received an award as one of the 50 Greatest Company by Forbes Asia as well (Asian Fabulous 50). Bank BRI is the only company that represents Indonesia snapper and even beat some other Asian companies.

Bank BRI is currently listed as the largest bank posted a profit since 2005. From the network side BRI is the owner of the network spread, the largest and widest in Indonesia. Strong in the SME sector, Bank BRI has been designated by the United Nations into a laboratory study of micro-finance lending business world and the people (KUR), the largest.

Yet the role of Bank BRI in the development of infrastructure and the national economy can not be ignored. It is seen from the increasing expansion of BRI Bank to finance infrastructure development and government guaranteed.

SOURCE:

http://news.detik.com/read/2012/04/24/010004/1899688/727/forbes-bri-paling-profitable-kuncinya-fokus-dan-melayani?9922022

MY OPINION ON THE ARTICLE ABOVE:
In my opinion, one of the key to the success of a company's success is how the company implemented a system of good managerial. Because good or bad managerial system will greatly affect the performance of a company. If the system managerialnya well, companies can establish a policy, determine the exact market share, creating a work atmosphere conducive to each employee and create innovation-program pogram in the company to attract consumers as much as possible so that it can generate big profits. I think the managerial system of Bank BRI has been very good, as evidenced by the increasing number of customers of Bank BRI. Convenience provided by Bank BRI to its customers, making customers more comfortable and confident about the quality of Bank BRI. The products offered by Bank BRI as SMEs are also very good, because the program is a program that is right for the empowerment of micro, small and medium enterprises, the number of its market share in Indonesia is quite large because most of the population of Indonesia from economic lower middle class. Creation of products that can be on the market properly, can increase its profit. And better levels of service and the many facilities provided by the bank to the customer, will attract more customers to invest their money in the bank, so that any profits will be growing.

TULISAN KE-9 ENGLISH BUSSINESS 2

COLLEGE NOTES ACCOUNTING TAXATION

Basic assumption by recording sales taxes:

• The accrual : record of all transactions. 
• The continuation of business : of each company founded assumed to be alive / keep up, and none would ever go bankrupt. This assumption is used in order to create long-term transactions.

Tax basis of recording the sale of the same according to the records according to Accounting, it is not necessary fiscal correction on the sale.
Recording Basic Supplies:

1. Physical / Periodic (See stockdi warehouse) : COGS is calculated at each end of the period. When there is an incoming or outgoing goods, does not directly affect the supply of merchandise.
2. Perpetual (Using card stock)  : There Settiap goods into or out of, directly recorded so directly affects the supply of merchandise. Tax basis of recording the inventory according to the same according to accounting records, it is not necessary fiscal correction on the stock.

Basic Assessment Inventory Shows the purchase price is to serve as the basis for determining its COGS. There are three kinds of inventory valuation method, namely:

1. FIFO : Used to negarra of inflation to increase profit.
2. LIFO : Used for the deflation negarra to enlarge profits.
3. Average

Version of the tax, LIFO method is prohibited by the tax, because the state of Indonesia which will make a return of inflation to be down or a small company, so the tax paid to small and merugukan state. So if there are companies that use LIFO necessary fiscal correction.  

Income

1. By SAK : Obtained from the normal activities of companies (called revenue) and the activity is not normal (called profit).
2. According to the Tax : Income is recognized, there are tax laws in Article 4, paragraph 1.

Costs and Expenses  

The cost is a sacrifice that issued by the company in order to earn income that has not enjoyed the benefits. The entry of an asset on the balance sheet. Expense is a sacrifice that issued by the company in order to earn income that has enjoyed the benefits. The entry to the Profit / Loss. Accounting Record: All costs, whether for business or outside business activity is recognized by the company. Recording taxes, fees are recognized:

• Expenses incurred to earn taxable income 
• Expenses incurred to earn his or her income tax is not final 
• Costs incurred to derive income from the activities of collecting, acquiring and maintaining

Basic Tax Withholding

1. This assumption receives income to pay taxes every
2. Reality after the sum of income tax paid for 1 year
3. Mixture of income tax withheld each month, but still re-calculated on a tax return and paid the deficiency.
   

TULISAN KE-7 ENGLISH BUSSINESS 2

SAMPLE SALES LETTER

PT. HERLINA SUKSES

JL. P. Komarudin No. 2, Kav. 3

JAKARTA 14320

Telp : (021) 47863212, Email : herlinasukses@yahoo.com

November 6^th, 2011

Rika Wati

Manager of Seafood Restaurant

JAKARTA                                                                                                                     

Dear Miss Wati,

We hereby submit our offer letter to Miss of our product produced as follows :

·         Brilliant Liquid Hand Soap

Hand washing liquid soap is very hygienic becauuse it contains antiseptic. So it is advisable to use this product before and after meals. Price Rp 50.000,- per gallon content  of 5 liters. Comparing with the regular market price in an almost

Rp 125.000,- per gallon content of 5 liter. So you can save the cost ofRp 75.000,- per gallon content of 5 liter. Here we provide samples for test wash

We are offering a special discount of 6 percents jika anda membeli sebanyak 2 botol berukuran 5 liter before the end of this year.

We are most anxious to serve you and hope to hear from you very soon.

Sincerely Yours,

Herlina Sari

Head Master

 

TULISAN KE-8 ENGLISH BUSSINESS 2

THE DEATH BY WILD ELEPHANTS GREED OF HUMAN

Elephant is one of the endangered species protected by the government. One elephant was temapta wildlife protection on the island of Sumatra. Protection or rescue an elephant is very important karrena from year to year the number of endangered Sumatran elephant population is declining. Lately, every so often we hear the news on TV about wild elephants that died of being poisoned by the residents. Hali is one of the causes of declining populations of this endangered species. I think this event shows there is something wrong with the habitat for Sumatran elephants. There are some articles I read about the deaths of elephants are considered highly unusual. Such as wild elephants were found dead in Pelalawan Riau unnatural, dead elephants in Aceh Jaya Setia Bakti with the state of the trunk and tusks of elephants that have been cut off and die in the village of Balairaja, District Mandau Bengkalis. From these articles I can find out that the elephants were poisoned to death for humans. The elephant was poisoned by reason of the elephants were entered into settlement residents and citizens of the damage field.

I strongly disagree with the attitude of the people who killed the elephants in the wild. I know wild elephants are extremely dangerous to enter the residential area, but residents in the area should be willing to care about what is causing these wild elephants came to a residential area. One reason is that the animal habitat has been damaged and narrowed due to human greed. Land that was once a lush forest and hjau where these animals live, now a resident plantation fields. Burned forests, the trees are logged, hunted rare animals, all of that just for a handful of people are greedy selfishness of money. They damaged forest is a habitat for wild animals to survive without their fix back the forest. So do not be surprised if wild animals like the elephant into the residential area, because these animals have been damaged habitat and food sources of wild animals that would probably already getting harder to find, so they are desperate to get out of their habitat in search of food to fill a hungry stomach, because has become the nature of all living things will do anything when feeling hungry just to look for food, even though it is not their habitat.

My advice, forestry legislation and protection of wild animals should be strictly implemented, not just theoretical but also to be applied in real life. If there are those who destroy the forests, should immediately be given a strict sanctions in accordance with the mistakes, expanded the number of rangers to prevent these undesirable things such as hunting endangered animals or set up a post to prevent entry of wildlife into residential areas and catch-party those who destroy the forest. If the government could have to raise the salaries of the rangers, as well as a love of the environment, the money factor also can attract someone to be willing to police the forest with all the risks that I think is quite heavy, in order to meet the needs of the forest police. In addition, people also need to instill a sense of his love for the environment such as forests, oceans, wild animals and so on. So that the environment is not damaged, and the source of life for all living things is preserved sustainability. Do not get just because of human greed, habitat and wild animals become extinct population, so our next generation can not see how beautiful the earth and makhlun God's creation.

TULISAN KE-6 ENGLISH BUSSINESS 2

EXPERIENCE HELPS DAD TO SELL

Ever since I was a kid, I loved the selling activity. If I stay with a cousin who happens to have a stall, I definitely would help to serve buyers. Well, maybe my character is slightly down from my father. My father was a street vendor, who sells coconut ice. Initially sold in the area kayuputih father, father to sell for decades all of a sudden there we are evicted. Father had many months of unemployment due to evictions, the father finally found a location to sell again, that in building the road west. Starting from scratch my father and my brothers started the business I was back, until now the father of coconut ice stall quite crowded with shoppers. Since the number of buyers, my family began serving customers overwhelmed. So since I graduated high school, whenever my father rest definitely asking for me to help him sell coconut ice. And of course I am without a doubt helped my father to sell coconut ice while my favorite channel for selling activities.

Since then, I just really feel how the father in the struggle for a living for his family. Fatigue is no fixed measure her life in order to meet all the needs of his family. I was slowly beginning to learn the science of the fathers on how to provide the best service to the buyer. I actually lay on a wide range of properties buyers, are now getting used to deal with it. As long as I helped my father, many I find a wide range of buyers nature, some are good, some are sassy, ​​some are angry, and so forth. But my father always said "whatever annoying buyers who come, we must serve him with great patience and calm, do not get carried away." Yes, although I do not understand about how to cultivate oil well, at least I can help my father separately serve the buyers and that buyers can be a loyal customer at our shop.

Experience that most made me work hard for mebantu father was at the time of the month of Ramadan. Buyer of coconut ice very much at all. We also quite overwhelmed to serve buyers as much as it is, but the amount we already have 7 people who berugas serve buyers, but it was still overwhelmed. This is where my patience is really tested. At the time I was fasting, I had to and fro to serve the buyer, the buyer receives the angry talk queued for too long, feeling tired and hungry all into one. Within a few days, my body feels very tired, but somehow my dad needs help to serve buyers of coconut ice. I have a spirit and try to not could feel the tiredness that comes over him. It feels good to all if all the buyers are well served.

Since helping my father, I think I'd love to follow father's footsteps to become a self-employed. Yes I am starting a small business like selling sneakers. At first I felt self-conscious because of my friends there that I did not sell like that, but I still dare to try. But my effort is substandard, it turns out my expenses are greater than the benefits I get because I have to go back and forth to the market if the orders I have bought shoes that do not match in size to the foot of buyers, even though I had bought it in accordance with the size ordered. Substandard shoe business, now my turn to snacks, the chips sauce, roasted peanuts and peanut dent. Although a small profit, it does not matter to me as long as these activities can generate money for extra pocket money and hone my skills. Well hopefully it from a small business like this in the future I'll be able to further develop this business. I want to be like my father, one entrepreneur who is never discouraged any obstacles.