Jumat, 07 November 2014

Alasan Koperasi kalah saing dengan BUMN dan Perusahaan Swasta

A.     Pengertian Koperasi
Pelaku ekonomi Indonesia ada tiga yaitu BUMN / BUMD, koperasi dan BUMS (swasta). Dengan demikian eksistensi koperasi absah di Indonesia, bahkan diharapkan dapat menjadi soko-guru perekonomian Indonesia. Meskipun tujuan ideal koperasi sebagai soko guru dalam perekonomian Indonesia, namun peran koperasi kalah jauh dibandingkan BUMN / BUMD apalagi dengan BUMS. Koperasi berasal dari bahasa Latin, yaitu “CO” yang berarti bersama dan “OPERARE”  berarti bergerak berusaha. Jadi secara singkat dalam koperasi harus ditunjukkan kebersamaan dalam menjalankan usaha (Suratal HW, 1993).
Menurut UU Nomor 25/1992, koperasi adalah badan usaha yang beranggotakan orangseorang atau badan hukum koperasi, dengan melandaskan kegiatannya berdasarkan prinsip koperasi sekaligus sebagai gerakan ekonomi rakyat, yang berdasarkan atas asas kekeluargaan

B.     Mengapa koperasi kalah saing dengan perusahaan swasta?
 Ada banyak alasan untuk menjawab pertanyaan tersebut,diantaranya:

1. Imej koperasi sebagai ekonomi kelas dua masih tertanam dalam benak orang – orang Indonesia sehingga, menjadi sedikit penghambat dalam pengembangan koperasi menjadi unit ekonomi yang lebih besar ,maju dan punya daya saing dengan perusahaan – perusahaan besar.

2. Koperasi berkembang di indonesia bukan dari kesadaran masyarakat, tetapi muncul dari dukungan pemerintah yang disosialisasikan ke bawah. Di Indonesia, pemerintah bekerja double selain mendukung juga harus mensosialisasikanya dulu ke bawah sehingga rakyat menjadi mengerti akan manfaat dan tujuan dari koperasi.

3. Tingkat partisipasi anggota koperasi masih rendah, ini disebabkan sosialisasi yang belum optimal. Masyarakat yang menjadi anggota hanya sebatas tahu koperasi itu hanya untuk melayani konsumen seperti biasa, baik untuk barang konsumsi atau pinjaman. Artinya masyarakat belum tahu esensi dari koperasi itu sendiri, baik dari sistem permodalan maupun sistem kepemilikanya.

4. Manajemen koperasi yang belum profesional, ini banyak terjadi di koperasi koperasi yang anggota dan pengurusnya memiliki tingkat pendidikan yang rendah.. Contohnya banyak terjadi pada KUD KUD yang nota bene di daerah terpencil.

5. Pemerintah terlalu memanjakan koperasi, ini juga menjadi alasan kuat mengapa koperasi Indonesia tidak maju maju. Koperasi banyak dibantu pemerintah lewat dana dana segar tanpa ada pengawasan terhadap bantuan tersebut.

6. Prinsip koperasi Rochdale bagian kerjasama dan sukarela serta terbuka , tidak dijalankan dengan baik di Indonesia. Keanggotaan koperasi hanya berlaku untuk yang seprofesi, misal koperasi nelayan anggotanya nelayan saja, koperasi guru anggotanya guru saja. Ini menyebabkan pergerakan koperasi tidak maksimal, walaupun sudah di bentuk koperasi sekunder tetapi belum mampu menyatukan kerja sama antar koperasi yang berbeda beda jenis.

C.      Solusi agar koperasi mampu bertahan
Berikut adalah beberapa solusi agar koperasi mampu bertahan:

1. Mengganti Imej koperasi yang masih kelas dua menjadi kelas pertama. Dengan memperkenalkan koperasi lebih gencar dan menonjolkan kelebihan-kelebihan koperasi.

2. Menambahkan tingkat kesadaran masyarakat akan keunggulan-keunggulan koperasi.

3. Menambah Tingkat partisipasi anggota koperasi. Dengan meningkatkan sosialisasi yang secara optimal kepada anggota koperasi.

4. Meningkatkan kinerja manajeman koperasi.

5. Membiarkan koperasi menjadi badan usaha yang mandiri dengan tidak selalu memberikan dana segar kepada koperasi.

6. Menjadikan koperasi sebagai badan usaha terbuka dan menyatukan kerja sama antar koperasi.

Selasa, 24 Juni 2014

Walt Disney Short Biography (5W+1H & Noun,Adjective and Verb)

Walt Disney was born on December 5, 1901 in Chicago Illinois, to his father Elias Disney, and mother Flora Call Disney. Walt was one of five children, four boys and a girl.

After Walt's birth, the Disney family moved to Marceline Missouri, Walt lived most of his childhood here.
Walt had very early interests in art, he would often sell drawings to neighbors to make extra money. He pursued his art career, by studying art and photography by going to McKinley High School in Chicago.
Walt began to love, and appreciate nature and wildlife, and family and community, which were a large part of agrarian living. Though his father could be quite stern, and often there was little money, Walt was encouraged by his mother, and older brother, Roy to pursue his talents.

During the fall of 1918, Disney attempted to enlist for military service. Rejected because he was under age, only sixteen years old at the time. Instead, Walt joined the Red Cross and was sent overseas to France, where he spent a year driving an ambulance and chauffeuring Red Cross officials. His ambulance was covered from stem to stern, not with stock camouflage, but with Disney cartoons.
Once Walt returned from France, he began to pursue a career in commercial art. He started a small company called Laugh-O-Grams, which eventually fell bankrupt. With his suitcase, and twenty dollars, Walt headed to Hollywood to start anew.

After making a success of his "Alice Comedies," Walt became a recognized Hollywood figure. On July 13, 1925, Walt married one of his first employees, Lillian Bounds, in Lewiston, Idaho. Later on they would be blessed with two daughters, Diane and Sharon .
In 1932, the production entitled Flowers and Trees(the first color cartoon) won Walt the first of his studio's Academy Awards. In 1937, he released The Old Mill, the first short subject to utilize the multi-plane camera technique.

On December 21, 1937, Snow White and the Seven Dwarfs, the first full-length animated musical feature, premiered at the Carthay Theater in Los Angeles. The film produced at the unheard cost of $1,499,000 during the depths of the Depression, the film is still considered one of the great feats and imperishable monuments of the motion picture industry. During the next five years, Walt Disney Studios completed other full-length animated classics such as Pinocchio, Fantasia, Dumbo, and Bambi.
Walt Disney's dream of a clean, and organized amusement park, came true, as Disneyland Park opened in 1955. Walt also became a television pioneer, Disney began television production in 1954, and was among the first to present full-color programming with his Wonderful World of Color in 1961.
Walt Disney is a legend; a folk hero of the 20th century. His worldwide popularity was based upon the ideals which his name represents: imagination, optimism, creation, and self-made success in the American tradition. He brought us closer to the future, while telling us of the past, it is certain, that there will never be such as great a man, as Walt Disney.

Source: http://www.justdisney.com/walt_disney/biography/w_bio_short.html

1. WHAT makes walt disney interested?
Answer: Walt had very early interests in art

2. WHO created the "Alice Comedies?"
Answer: Walt Disney

3. WHEN was Walt Disney born?
Answer: December 5, 1901

4. WHERE Snow White and the Seven Dwarfs was premiered?
Answer: At The Carthay Theater in Los Angeles

5. WHY Walt Disney is rejected when registering into a military service?
Answer:  Because he was under age, only sixteen years old at the time

6. HOW Walt Disney earn extra money?
Answer: He would often sell drawings to neighbors to make extra money


Kamis, 12 Juni 2014

Paralell Conjunction

  • "To accomplish great things, we must not only act, but also dream; not only plan, but also believe." (Anatole France)

Arti: "Untuk mencapai hal-hal besar, kita jangan hanya bertindak, tapi juga perlu bermimpi, jangan hanya berencana, tetapi juga percaya."

  • "In the end, we will remember not the words of our enemies but the silence of our friends." (Martin Luther King, Jr.)

Arti: "Pada akhirnya,kita akan mengingat bukan kata kata dari musuh kita tapi diamnya teman kita."

  • "The man of knowledge must be able not only to love his enemies but also to hate his friends." (Friedrich Nietzsche, Ecce Homo)
Arti: "Manusia yang berpengetahuan harus mampu tidak hanya untuk mencintai musuh-musuhnya, tetapi juga membenci teman-temannya."

Letter of Inquiry

Reza Arrachman Dzulkarnain

January 22, 2014

Reza Arrachman Dzulkarnain, Executive Director 
Xavier Foundation 
Basilosaurus street. 
Bogor 22222

Dear Mr. Smith,

I am writing to inquire whether the Xavier Foundation would invite a proposal from the Virtual Community Group, Inc., requesting an investment of $50,000 per year over two years to support our Enterprise 2000 initiative. This grant would provide part of the funds needed for us to train at least 1200 low-income entrepreneurs in rural New Hampshire in the computer skills they need to create sustainable businesses as we enter the twenty-first century. Your literature indicates that the Xavier Foundation is searching for innovative ideas to improve the lives of the rural poor; we believe Enterprise 2000 falls well within your area of interest.

Information technologies are a promising solution to one of the primary obstacles facing the small rural enterprise: the geographic distances which inhibit networking with other businesses, and which segregate them from a larger marketplace. The Internet and other networks are now making it possible for entrepreneurs even in the most remote locations to communicate and do business on a region-wide, national, or even international basis. Working in conjunction with other organizations, Enterprise 2000 gives program participants technical skills training adapted to individual need; and, in collaboration with organizations which recondition and redistribute used computers, we also assure that they obtain the necessary computer hardware, at low or no cost.

We believe that broadly-implemented technical skills programs such as Enterprise 2000 have the potential to transform the lives of many struggling entrepreneurs, and change the economic landscape of impoverished rural communities. Unlike many poverty alleviation initiatives, all of the Virtual Community Group programs are predicated on the assumption that these entrepreneurs already have 90% of what it takes to compete in the marketplace -- intelligence, ambition, initiative, and talent. After two years of experimentation and program development, the Virtual Community Group has fashioned a superb, easily replicable model in Enterprise 2000, and established a high degree of credibility among community groups, policy makers, and funders. With your support, we can make that 10% difference in the lives of these hard-working people and the future of our rural communities.
Please feel free to call me with any questions. I look forward to hearing from you soon.


Reza Arrachman Dzulkarnain

Rabu, 23 April 2014

Bussines Letter

2222 Front Street
Mount Celebres, CA 2201 

April 24, 2014

Mr. Bean
Accounts Payable
The Nike Store
765 Depok Plaza
Industrial Point, CA 2201

Dear Mr. Bean:
It has come to my attention that your company, The Nike Store has been late with paying their invoices for the past 2 months.
In order to encourage our customers to pay for their invoices before the due date, we have implemented a discount model where we'll give you 2% off your invoice if you pay us within 15 days of receiving the invoice.
I hope that everything is going well for you and your company. You are one of our biggest customers, and we appreciate your business. If you have any questions, feel free to contact me at (555) 222-2222-22


Mr. Reza Arrachman

Accounts Receivable

The Lay Student talk about Indonesia

Indonesia ..
Yaaap ! It is the name of the country where I live today . Countries that have been independent since August 17, 1945 , the formerly highly respected by the major countries in the world it is one of the United States . Take a look at the picture below !

Ir.Soekarno was shaking hands with the UN secretary general that the second

Seen first President of Indonesia , Ir.Soekarno who was shaking hands with Dag Hammarskjold came from Sweden . Dag Hammarskjold was the second UN secretary general . When we look , the hand who is on top ? If you pay attention to it well , it would seem Ir.Soekarno hands were on top . This proves that he is a leader who has great leadership and respected by other state officials . I as a lay student , very proud Indonesian leaders have been as good as he ..

But this time , I felt almost as good as he is no leader . Every time I turn on the news show on television , again the news about cases of corruption committed by state officials , cases of riot by students, or young men who died from binge drinking . So keep the news I consume each day so it looks as if all the cliches .

I'm confused , . In which country I currently live ? Said the people closest to me , I live in the country called Indonesia . But is not the first country of Indonesia in respect by the major countries in the world ? What makes the situation different from the state of Indonesia Indonesia once ? Many say that it happened because Indonesia is not a leader like Ir.Soekarno first statesman .

At first I did not believe by the man -talk ! But over time , I saw poverty in Indonesia is growing. And at that moment I read the news that our current president is creating an album . Does he not know that he led the country is currently in distress ? Is the first Ir.Soekarno and other great leaders of the country's leaders never make an album as well as they still existed as President ?

Lately I am also getting sad when I saw the president grant pardons for 5 years to Schapelle Corby . One Australian citizen convicted in a case of Narcotics . A person who was dubbed the Queen of Marijuana is given clemency by the president when his people are fighting against drugs . I as a lay student , said that this was the wrong decision of the President . But I'm sure it will not be listened to state officials . Because I'm just a layman students .

Education in Indonesia is not showing significant progress . Until recently I attended a state high schools in Bogor and at this school I did not feel a sense of comfort . With money spp that is quite high , I think this school has not used such costs to the fullest . In my view as a lay student , the teachers at my school are still many who are less competent in teaching . For instance , I 've got a question paper from a teacher , but such questions do not look like the type to use a computer , but on paper worksheets that HVS paste on paper and in multiply . What is perhaps in the era of hyper- advanced like this , he has not understood how to use a computer ?

I really do not understand ..
Does the school does not have the funds to replace teachers who like it ? Is not that such teachers will only make quality school so downhill ?

If currently all teachers in the same school with one of my favorite teacher Mr. Rully . He is still relatively new to teach in school . But he does not just teach a class on any subject matter . He also gives the motivations which builds that we be the generation that will change for the better Indonesia again .

But after all that I describe above , does not mean that Indonesia does not have its good side . The good side of Indonesia is also quite a lot . You can access news good news from Indonesia in http://www.goodnewsfromindonesia.org .

I as a lay student , just missed being the first Indonesian . Indonesia's respected and admired leader by leader of a great country in the world .. I hope there will be a new generation of Indonesia, which will be the locomotive movement of change in Indonesia . And I personally will try to become the new generation ..