Kamis, 15 Maret 2012

Bahasa Inggris 2

Nama : Muhammad Aditya Suhendra
NPM : 13209870
Kelas : 3Ea15


a. No.7 Active => The news Surprised me
Passive => I was Surprised by the news

b. No.8 Passive => These letters are going to be mailed by Lusi tomorrow
Active => Lusi is going to mail these letters

c. TIPS

DENTAL CARE TIPS

The prevention of dental decay begins with cutting down the amount of sugars taken in all forms. Most people think we refer only to sweets as the culprits. But there are other dangerous Dental decay (caries) and periodontal (gum) disease are among the most common diseases afflicting mankind, especially in the so-called advanced nations.

The higher the standard of living, the more likely it is for tooth loss to occur. As has been shown already, both dental caries and periodontal disease are the result of bacterial action, in the plaque, which collects on the teeth and gums. If it is possible to cleanse the mouth completely of the bacterial plaque and maintain it that way, there would be low incidence of tooth decay or any other gum problems.

Dental diseases are not considered to be lethal and therefore attitudes on the part of governments and public are of a different nature. However, the cost of dental disease in pain, suffering, treatment and loss of work is enormous. Measures to reduce or eliminate dental problems would result in a vast benefit to the population.

Dental Floss

Many dental health educators assert that even the most careful brushing does not remove all the harmful substances from the crevices between the teeth, areas where even the bristles cannot reach to reach such areas the use of dental floss is recommended which is nothing but a special kind of silk of nylon thread this floss is passed into the space between the teeth with a gentle to and fro sawing motion. The floss is then gently worked up and down the tooth into the gum crevices. The floss is purchased wound in a spooland is either waxed or unwaxed.The waxed floss is easier to handle. Using floss is not easy and children especially have difficulty with it. It takes a dedicated and tireless parent to floss the children’s teeth every day. It is far better to spend the effort on careful brushing.

Tips on using Floss

This is difficult. Your dentist must help you by seeing that you manipulate the floss correctly and safely. It is usually easier to handle the floss if a length of about twelve inches is tied in a circle. Do not be taken in by special gadgets, which promise to make flossing easier. None of these does anything except add problems. What must be done is to get the strand of floss between the teeth, then wrap it starting from the gum and ending at the biting surface. Do this sweeping motion tow or three times and then repeat with the adjoining tooth.

Diet and Dental Health

Sugar-containing foods as well

Some of them are:

1. All sugars (including honey)

2. Soft drinks such as colas and lemonades

3. Nearly all cereals

4. Cakes, biscuits and puddings.

5. Jam on your bread, marmalade on your toast.

6. Chocolates, sweets and toffees.

7. Peppermint sweets (they are the most dangerous because people believe the peppermint taste to be “medicinal”. These sweets are almost pure sugar).

As has been shown already, both dental caries and periodontal disease are the result of bacterial action, in the plaque, which collects on the teeth and gums.

A chocolate candy bar of about 50 grams may contain the equivalent of ten teaspoons of sugar! A slice of two-layer chocolate cake may be the equivalent of fifteen teaspoons of sugar!

These sugars are not an essential part of a normal diet. Hence reducing the total intake, will not only benefit the teeth, but also the general health. However, it is the frequency of sugar intake, more than the total consumption, which is important in influencing tooth decay. It was shown that the acid formed on the tooth in seconds from sugar might take twenty minutes or more to disappear from the mouth. Thus, small sugary snacks every two or three hours throughout the day will keep the teeth bathed in a dangerous acid state.

If Children must have sweets, they should have them only once a day (preferably during meal time). But it is better to recommend sugar-free snacks. A good list would contain:

Fruits: Apples, Oranges, Pears, Bananas

Vegetables: Carrots, Celery, Tomatoes, Lettuce, Cucumber, also Nuts, Crisps, Cheese (in cubes), Eggs, Milk, Yogurt.

In this way if we eliminate sugar, we reduce the formation of plaque by depriving the bacteria of the food, from which they form the acid.

The damage by erosion that, say, lemon juice can do to the enamel will have to be seen to be believed, So avoid frequent tooth contact with lemons, grapefruit, vinegar and other strongly acid substances.

The chemist’s shop may also be a source of danger to the teeth, many cough and throat sweets, lozenges, syrups, and elixirs are loaded with sugar, sometimes up to 50-60 percent. This is to make the product palatable.

Fissure Sealants

Decay frequently commences in the irregular fissures on the biting surfaces of the teeth, especially the molars. These fissures are difficult to clean thoroughly – a toothbrush bristle does not penetrate to the bottom of the fissure. Apart from cleaning the teeth and apply fluoride, some dentists believe that these fissures can and should be sealed off from bacterial infection by the application of special resins called PIT and FISSURE SEALANTS.

This resin like material is made to flow into the crevices of the biting surfaces where they are hardened by the chemical action or a special light. Usually at least the four first molars are so treated. This procedure does not give an excuse to avoid flouride application on all the teeth. Again in our view, fissure sealants are rarely necessary as a routine and add to the cost of prevention without a commensurate benefit. But your dentist must advise you. His results may be better than ours, and fissure sealants are being improved all the time.

Fluorides

A few dentists began using fluoride solutions as a preventive measure against dental decay over thirty years ago. This was by direct application, i.e. the regular painting of fluoride on the teeth of children from the age of two years. Since then the amount of the decay in such treated children has been negligible compared with other. But it can be a time-consuming procedure although inexpensive compared with the cost and discomfort of dental decay. The addition of minute quantities of fluoride to the water supply, to bring the concentration up to the level found naturally in some waters, has been shown to confer resistance to dental decay.

Studies of the action of drinking water containing one part of fluoride in a million parts of water have been carried out in many countries in the world. The conclusion was that fluoride at a level of 1 mg per litre has been drunk for generations by millions of people throughout their lives. Since fluoridation was introduced, millions more have been drinking water with fluoride at this level. Fluoride in water, added or naturally present, at a level of approximately 1 mg/litre over the years of tooth formation substantially reduces dental caries throughout life.

In the absence of water fluoridation your dentist or hygienist can put fluoride directly on your child’s teeth. This takes a few minutes and a strong recommendation is that it be applied at four-monthly intervals, i.e. three times a year.

Fluoride tablets and solutions can be obtained from your local chemist (see your dentist about prescribing the correct dosage) and these involve remembering to administer the correct amount daily, which may be a chore for some. But it is important to discuss all this with your dentist first. Some few complaints have been made about “allergic reaction” to the fluoride tablet-administration. Investigations have rarely shown any true allergic response and any temporary upset has usually been due to other causes.

Cleaning the Teeth

You cannot be taught to play tennis or golf by reading about them. You must be instructed, and you must practice. Similarly, you should learn the right way of brushing under the strict supervision of your dentist.

The tooth has five surfaces – front, back, the two sides and the chewing surface. Brush the top and bottom teeth separately. Most dentists agree that the bristle tips should be applied at 45 degrees to the gum area just above where the teeth emerge and should concentrate on the gum margins (where most people miss). The bristles are moved back and forth with a gentle circular scrubbing motion and short strokes. Do not forget the teeth right at the back of the mouth and also the inside surface of the teeth. Finally brush all the biting surfaces. It often takes three or four visits to teach someone to brush effectively!

Tips on Brushing

* Do not put too much toothpaste on the brush, it will foam up and make you want to spit and rinse too soon. Studies show that once people get to the spit and rinse stage they stop brushing even though some teeth have not been brushed.

* Do not wet your brush before applying the paste or before starting to brush. It alters the action of the bristles and prevents them removing plaque effectively.

Choosing a Toothbrush

Most of us hover over the shelves, picking up one brush then another. After some minutes we make a purchase, seemingly at random. When new patients are asked how they select a toothbrush, they usually say, “Oh, I choose any brush really, one that looks nice in its wrapper.” A toothbrush is an important factor in preventing dental disease, especially gum problems. Therefore the purchaser should be quite specific when going into the shop. The dentist will tell you which brush is suitable for you. Write it down and ask for it. Do not be fooled off with something else “almost the same” or try somewhere else!

Expensive brushes are usually not satisfactory. These are probably hand-made (as if that made them better) and have natural bristles (hog bristles) or sometimes-softer badger hair. None of these is satisfactory. Natural bristle was believed by many (dentists, too) to be better, but this is erroneous. Natural bristles have variable textures and the filaments are hollow and absorbent and rapidly become soggy and infected. Nylon can be made exactly to specification and, because of mass production methods; good brushes can be made much cheaper. As has been shown already, both dental caries and periodontal disease are the result of bacterial action, in the plaque, which collects on the teeth and gums. Brush heads should be small enough to reach all parts of the mouth and should have a flat brushing surface with a straight handle. The medium or medium soft nylon bristles (never hard) should be set close together – what is called multi-tufted. Brushes of any kind should not be expected to last very long and one should probably buy about four brushes per year. It is a sad fact that brush sales average about one brush per person per year with maximum sales during the summer holidays just before people go on vacation. Children need their brushes renewed more often as they tend to mishandle them. If an adult finds that brushes wear and splay out very quickly it is probably a sign that brushing is not being done correctly-probably force rather than care is being used. But some people are proud of wearing out their brushes: they feel they are doing a good scrubbing job!

Choosing Toothbrush Brush heads should be small enough to reach all parts of the mouth and should have a flat brushing surface with a straight handle. The medium or medium soft nylon bristles (never hard) should be set close together – what is called multi-tufted. Brushes of any kind should not be expected to last very long and one should probably buy about four brushes per year. It is a sad fact that brush sales average about one brush per person per year with maximum sales during the summer holidays just before people go on vacation. Children need their brushes renewed more often as they tend to mishandle them. If an adult finds that brushes wear and splay out very quickly it is probably a sign that brushing is not being done correctly-probably force rather than care is being used. But some people are proud of wearing out their brushes: they feel they are doing a good scrubbing job!

Automatic (electric) Toothbrushes

Many of the automatic toothbrushes produced a few years ago have now disappeared and they are no longer a great choice. The improved automatic brushes, which are still available, can be very effective:

1. For handicapped people, especially arthritics.

2. For those who cannot master the technique of conventional brushing.

3. For those in a hurry and perhaps for those who are lazy.

4. For children who will often use the automatic brush more readily because of its novelty.

Nearly all-automatic brushes have battery-driven motors and it is important to make sure that the battery is not in a run-down state, otherwise there will be too little torque (driving action) on the brush. Most of these brushes have rechargeable cells and they should be kept always at peak charge. People who can brush effectively with the usual brush will not need an automatic brush. It is still necessary to be taught how to use the latter; it will not go anywhere in the mouth unless it is directed. But the automatic brush does have the advantage of speed.

Choosing a Tooth Paste

The big manufactures of toothpaste spend a great deal of time, money and research facilities on the maintenance of high quality in their product. Their reputation, and a portion of their economic existence, depends on this. These companies have spent considerable amounts testing their toothpastes and some have gone to the trouble of obtaining medical product licenses.

Pointers to choice

Toothpaste should of course be of acceptable taste to you and preferably should contain a small amount of fluoride. This has been shown to reduce dental decay by a measurable amount. On the whole it is better to buy small tubes rather than the large “economy family size”. In this way the tendency for some pastes to harden in the tube will be avoided because the contents will be used quicker.

REFRENSI : http://www.smilecanada.ca/index.php?id=47&yams_lang=en


www.Gunadarma.ac.id

Senin, 12 Maret 2012

FINANCIAL WORLD FLOW

FINANCIAL WORLD FLOW




Bagan diatas menjelaskan (+A) sebagai masyarakat surplus dan (-B) sebagai masyarakat minus, saling berhubungan dalam kegiatan transaksi ekonomi, masyarakat minus dapat melakukan kerjasama dengan masyarakat surplus dalam kegiatan yang berhubungan dengan ekonomi, jika masyarakat minus mengalami kegagalan dalam melakukan kegiatan ekonomi maka masyarakat surplus akan menanggung juga kerugian.

Bagan diatas memperlihatkan diantara masyarakat surplus dan masyarakat minus terdapat Bank kegiatan tersebut adalah penengah dalam hal transaksi tersebut , Bank disini berperan sebagai perantara keuangan dan capital market antara masyarakat surplus dan minus, Capital market dalam bentuk obligasi dan saham seperti yang ada di bagan

Peran Bank untuk masyarakat surplus sebagai penyimpanan dalam bentuk deposit seperti:

a. Time deposit = deposito

b. Demand deposit = giro

c. Saving deposit = Tabungan

Peran Bank untuk masyarakat minus sebagai tempat berfasilitas kredit, pihak Bank dapat memberikan kredit atau pinjaman pada masyrakat minus. Jadi jika pihak masyarakat minus mengalami kebangkrutan, makan masyarakat surplus tidak menanggung beban tersebut, yang menanggung adalah pihak Bank.


Nama : Muhammad Aditya Suhendra

Kelas : 3EA15

NPM : 13209870



Senin, 05 Maret 2012

Perkembangan Perbankan 1990 – 2010

MAKALAH

PERKEMBANGAN PERBANKAN TAHUN 1990 – 2010

NAMA : Muhammad Aditya Suhendra

KELAS : 3EA15

NPM : 13209870

MATA KULIAH : KOMPUTER LEMBAGA KEUANGAN PERBANKAN

DOSEN : PRIHANTORO

Perkembangan Perbankan 1990 – 2010

A. Pengertian Perbankan

Menurut Undang-Undang RI Nomor 10 Tahun 1998 tanggal 10 November 1998 tentang Perbankan, yang dimaksud dengan bank adalah “badan usaha yang menghimpun dana dari masyarakat dalam bentuk simpanan dan menyalurkannya kepada masyarakat dalam bentuk kredit dan atau bentuk-bentuk lainnya dalam rangka meningkatkan taraf hidup rakyatbanyak”. Berdasarkan pengertian di atas, bank merupakan perusahaan yang bergerak dalam bidang keuangan, artinya aktivitas perbankan selalu berkaitan dalam bidang keuangan.

B. Berdasarkan UU No. 10 Tahun 1998, fungsi bank di Indonesia adalah :

· Sebagai tempat menghimpun dana dari masyarakat Bank bertugas mengamankan uang tabungan dan deposito berjangka serta simpanan dalam rekening koran atau giro.Fungsi tersebutmerupakanfungsiutamabank.

· Sebagai penyalur dana atau pemberi kredit Bank memberikan kredit bagi masyarakat yang membutuhkan, terutama untuk usaha-usaha produktif.
Dari pengertian di atas dapat dijelaskan secara lebih luas lagi bahwa bank merupakan perusahaan yang bergerak dalam bidang keuangan, artinya aktivitas perbankan selalu berkaitandalambidangkeuangan

C.PERANAN BANK

Mendorong pertumbuhan perekonomian suatu negarakarena:
1. Sebagai pengumpul dana dari SurplusSpending Unit (SSU) dan penyalur kredi kepada DefisitSpendingUnit(DSU)
2.Tempatmenabungyangefektifdanproduktif
3.Pelaksana dan memperlancar lalu lintas pembayaran praktis, aman dan ekonomis
4.PenjaminpenyelesaianperdagangandenganpenerbitanL/C
5.Penjaminpenyelesaianproyekdenganmenerbitkanbankgaransi

D. SEJARAH RINGKAS PERBANKAN DIINDONESIA

Periode I : Jaman penjajahan belanda sampai penduduk jepang:

Beroperasinya bank-bank milik belanda( De Javasce Bank, De Nerderlandsche Handel Maatschappij, De Nationale Handelsbank dan Escompro Bank), inggris (The Chartered Bank Of India, Australia and China, dan The Hongkong and Shanghai Banking Corporation).

Periode II : Masa penudukan jepang sampai kemerdekaan 1945:

Pada tahun pertama pendudukan jepang, kantor-kantor bank ditutup. Pada tanggal 20 oktober 1942 semua bank belanda,inggris dan sebagian tionghoa dilikwidasi.setelah itu pemerintah jepang diindonesia mendirikan bank peredaran(sirkulasi) napon kaihatsu ginko yang berpusat di Tokyo.

Periode III : Masa kemerdekaan sampai dikeluarkannya UU perbankan tahun 1967:

  1. a. Pada masa RIS wilayah Indonesia terbagi dua, yaitu Wilayah Republic dan Wilayah Federal yang dikuasai belanda.

Di wilayah republic terdiri dari (BNI 1946),(BRI 1946), (MAI 1945), Bank Indonesia dipalembang(1946), Bank dagang nasional dimedan(1946), dan(IBC) yang kemudian menjadi Bank Amerta di Yogyakarta.

Di wilayah federal terdiri terdapat NV Bank Sulawesi dimanado(1946), NV Bank perniagaan Indonesia di Jakarta(1948), Bank timur NV di semarang(1949), Bank dagang Indonesia NV Banjarmasin(1949) dan Kalimantan banking and trading corporation NV di Samarinda(1950).

  1. b. Perkembangan selanjutnya adalah dibukanya Bank Industri Negara(1951) yang bergerak dibidang pembelanjaan pembangunan khususnya industry dan pertambangan. Pada tahun 1960 didirikan(BAPINDO), BIN melebur didalam bapindo pada tanggal 16 agustus 1960.(BPD) didirikan berdasarkan undang-undang no.13 tahun 1962, yaitu dalam ketentuan pokok pemerintahan daerah. Bank Sentral dibentuk Bank Indonesia dengan berdasarkan undang-undang pkok Bank Indonesia no. 11 tahun 1953.
  1. c. Pada masa perekonomian terpimpin, perbankan di Indonesia melebur menjadi bank tunggal. Bank-bank milik Belanda dinasionalisasi pada tahun 1958. (BDN), (BUNEG), (BKTN) exim.

Periode IV : keadaan perbankan setelah 31 Desember 1967:

  1. a. Periode ini merupakan periode baru. Perekonomian terpimpin diganti dengan perekonomian yang lebih demokratis berdasarkan UUD 1945 dan Pancasila. Bank-bank pemerintah ini dikembalikan menjadi bank umum dengan tugas khusus, yaitu BNI Unit II menjadi Bank Ekspor Impor Indonesia, BNI Unit III menjadi BNI 1946 bergerak dibidang Industri dan Prasarana, BNI Unit IV menjadi Bank Bumi Daya(BBD) bergerak di bidang perkebunan dan kehutanan.
  2. b. Pada tanggal 1 Juni 1983, pemerintah melakukan deregulasi perbankan yang pertama. Dengan deregulasi ini bank-bank umum pemerintah dibebaskan dalam menentukan suku bunga kredit dan deposito, pagui kredit dihapuskan, kredit likuiditas juga dihapuskan.
  3. c. Pada tanggal 27 Oktober 1988 pemerintah mengeluarkan deregulasi perbankan yang kedua, dikenal dengan PAKTO 1988. Pakto ini diusahakan untuk mendorong kompetisi dalam perbankan, meningkatkan kegiatan dipasar modal, mendorong ekspor non migas, mobilisasi tabungan dalam negeri dan mengefektifkan kebijakan moneter pemerintah.
  4. d. Kelesuan perekonomian dan kredit macet telah mempengaruhi kelanjutan kegiatan perbankan di Indonesia. Pasa era 1990-an perbankan Indonesia menganut kebijakan hati-hati. Berdasarkan kebijakan pemerintah yang mempengaruhi kehidupan perbankan adalah: kebijakan uang ketat tahun 1990, paket Januari 1991, dan paket Februari 1992

Fungsi intermediasi perbankan tidak selalu berjalan normal, dalam arti bahwa kenaikan simpanan masyarakat tidak selalu diikuti dengan kenaikan secara proporsional pada kredit yang disalurkan oleh perbankan. Oleh karena itu, yang lebih berpengaruh terhadap ekonomi riil adalah kredit perbankan dan bukanlah simpananmasyarakat.
Hal tersebut di atas dapat dibuktikan dengan melihat dari perkembangan indikator ekonomi masa deregulasi perbankan bulan Juni 1983, pada masa itu pemerintah memberi kebebasan pada perbankan untuk menjalankan kegiatan operasionalnya sendiri. Hal itu dilakukan dengan penetapan penghapusan pagu kredit yang semula berlaku untuk masing-masing bank, mengurangi porsi jenis kredit yang ditunjang oleh kredit likuiditas dari Bank Sentral, memperkenankan perbankan menentukan tingkat suku bunga pinjaman dan pendanaannya sendiri-sendiri. Selanjutnya dikombinasikan dengan deregulasi yang ditetapkan pada sektor riil secara bertahap, pemerintah berhasil menahan kemerosotan perekonomian dan bahkan dapat meningkatkan kembali pertumbuhan ekonomi menjadi 4,2% pada tahun 1983. Sepanjang lima tahun berikutnya pertumbuhan ekonomi berhasil mencapai rata-rata 5% pertahun. Selain itu tingkat inflasi berhasil ditekan menjadi rata-rata 7,3% pertahun.

Tabel 1. Perkembangan Dana dan Pinjaman Produktif di Sumut
Tahun 1993 – 2005
No Tahun Dana Pertumbuhan Pinjaman Pertumbuhan LDR
(Rp.miliar) (Rp.miliar)
1 1993 5,332 - 5,866 - 110.01%
2 1994 6,221 16.67% 6,711 12.59% 107.87%
3 1995 7,868 26.47% 7,487 10.37% 95.16%
4 1996 9,758 24.02% 8,803 14.95% 90.21%
5 1997 10,456 7.15% 10,086 12.72% 96.46%
6 1998 21,369 104.37% 12,478 19.17% 58.39%
7 1999 24,303 13.73% 7,272 -71.59% 29.92%
8 2000 27,517 13.22% 9,105 20.13% 33.09%
9 2001 32,085 16.60% 11,775 22.68% 36.70%
10 2002 34,661 8.03% 13,254 11.16% 38.24%
11 2003 40,192 15.96% 16,934 21.73% 42.13%
12 2004 45,454 13.09% 21,652 21.79% 47.63%
13 2005 52,093 14.61% 28,531 24.11% 54.77%
Sumber : SEKDA BI Medan 2005

LDR : Loan to Deposit Ratio

Bila dilihat perbandingan dana dengan pinjaman atau disebut dengan Loan to Deposit Ratio (LDR), sebelum multi krisis tahun 1997, nilai LDR rata-rata hampir mencapai 100% malah lebih dari itu. Hal ini menunjukan bahwa peran intermediasi perbankan sangat baik. Namun setelah tahun 1997 pertumbuhan dana lebih cepat dibandingkan dengan pertumbuhan pinjaman. Nilai LDR cenderung turun dan baru mulai naik sejak tahun 2003. Meningkatnya pertumbuhan dana pada tahun 1998, disebabkan pada tahun tersebut inflasi sangat tinggi hingga mencapai 83,58%, sehingga pemerintah mengeluarkan kebijakan untuk menaikan tingkat suku bunga.
Relatif rendahnya persyaratan pendirian bank yang praktis hanya terkonsentrasi pada besarnya setoran modal, yaitu hanya Rp. 10 miliar untuk bank umum dan Rp. 50 Juta untuk BPR. Akibatnya jumlah bank umum telah meningkat demikian pesat dari 111 buah bank umum pada tahun 1988 menjadi 240 buah bank pada tahun 1995. Perkembangan yang pesat sebelum krisis juga terjadi pada banyaknya jumlah kantor yang berdiri yaitu dari 1.957 menjadi 6.590 kantor bank pada periode yang sama diseluruh Indonesia
.


E. Perkembangan Perbankan Tahun 2010

JAKARTA: Selama tahun 2010, perbankan Indonesia berhasil membukukan laba bersih sebesar Rp57,3 triliun. Jumlah itu tumbuh 26,8% dibandingkan pencapaian laba tahun sebelumnya yang mencapai Rp45,2 triliun.

Demikian perkembangan perbankan Indonesia terkini yang disampaikan Direktorat Penelitian dan Pengaturan Perbankan Bank Indonesia (BI) dalam acara Sosialisasi Ketentuan Transparansi Informasi Suku Bunga Dasar Kredit di Kantor BI, Jakarta, Senin (28/2).

Sebagian besar laba perbankan dihasilkan oleh kelompok bank persero sebesar 39,7% dan swasta sebesar 36,8%. Relatif tingginya pencapaian laba tahun ini selain disebabkan oleh pertumbuhan kredit yang cukup tinggi, juga disebabkan spread suku bunga yang melebar.Pertumbuhan kredit perbankan tercatat mencapai 22,8% dari Rp1.437 triliun pada tahun 2009 menjadi Rp1.765,8 triliun pada tahun 2010.

Sementara pendapatan bunga bersih (net interest income/NII) perbankan selama 2010 mencapai Rp12,5 triliun per bulan atau jauh melampaui rata-rata NII tahun 2009 yang hanya Rp10,8 triliun per bulan.BI juga mencatat pertumbuhan jumlah bank maupun kantor cabang meningkat selama tahun 2010.

Selama 2010 jumlah bank tercatat 122 bank dengan 13.453 kantor cabang yang mencakup 79% total aset dari sistem keuangan Indonesia. Sebanyak 70% kantor cabang dimiliki oleh 14 bank terbesar. (*/OL-9)


Referensi: - http://jurnalmepaekonomi.blogspot.com

- http://irnawt.wordpress.com/2010/06/02/pengertian-perbankan-4/

- http://arsipberita.com/show/perbankan-indonesia-cetak-laba-rp573-triliun-170212.html

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