Selasa, 10 Juni 2014

AUTOBIOGRAPHY















My name is Rudy Gustian. All people usually call me 'Rudy'. I was born and raised in Calcutta on August 10, 1992 as the male. I have four members in my family, including my parents, my brother and I were younger. My father name is Teddi, he was a self-employed worker who works in a private company. Later, my mother's name is Royanih, she a housewife. They Padang and Betawi, so I Betawi people of Padang and I was born in Calcutta. My first child, I have one younger sister, my sister was in school and a new junior high school. My sister name is Princess D. Arini.

My parents are my idol, my inspiration, my hero, my role model and my everything. They are my treasures in the world. I never go through life without them. So, they are the biggest part of my life. They always give me what I want and what I need. They always taught their children to do not forget to give thanks, they say "Sometimes all we need is a reminder. So let us remember what you get out of your life, there is good for you and be grateful for it., And be thankful for those who remind us that things could be better. Often we think of grateful as in the past. We are very grateful that things worked or we are grateful for the time we had to do something. grateful at this time and help us to continue and improve our future ". I always remember this, they are always the best teachers.

I started formal education in primary schools since 1998 - 2004 in SDN Jatimekar 11 Bekasi. Then I went to the junior high school in 2004 - 2007 in SMP 23 Bekasi. After that from 2007 - 2010 I studied in high school SMAN 8 Bekasi. And I continued my studies at the University Gunadarma Economic Management Department from 2010 until now, I hope this year I graduated and I'm sure I can get my college degree this year.

After graduation, I want to find a job, and I do not have any work experience but I'm sure I could get a decent job for me. My only experience of formal education and informal education that I attended and I am of everything that I could learn was my experience. I believe one day I will be a man of success, success for me, success to my parents my sister and my future family. I want to make all the people around me proud of me, I was pleased with, feel comfortable with me. Easy to make me feel happy, if you are happy with me, I am pleased with you, if you are nice to me, I will be better for you as well.

I love playing sports, especially soccer, swimming, and jogging. I did it in my spare time I usually do in the morning, I want my body always looks fresh and I'm still healthy so I never forget to do that. Many of the things I do in my spare time not only for the sport, I love listening to music, chatting with friends, watching a TV program or movie, the streets, looking for food that tastes good, sing pop songs, reading comics, and there are many more.

I have some suggestions that should never give up if you have trouble, because trouble is the only way to show you how your power, you have to believe you can deal with that, so many problems outside yourself, all that you need more patience , learn from your mistakes, wise and never give up. Do not look back, do not give up, do your best, believe in God, believe in yourself and you will always get better for your life. And lastly do not forget to be grateful...

Kamis, 01 Mei 2014

Business In Indonesia Today


Business In Indonesia Today


OVERVIEW OF THE BOOMING RESIDENTIAL PROPERTY SECTOR OF INDONESIA
Indonesia's residential property market has shown robust growth in recent years as demand from the country's rapidly expanding middle class for mid-level and luxury property increased steadily amid a low interest rate environment and robust national economic growth. Demand for property is also backed by high consumer confidence as a recent Nielsen survey shows that Indonesians are among the world's most confident consumers. Indonesians' consumer confidence was at a four-year high in the fourth quarter of 2013.
This confidence is generated by robust macroeconomic growth in recent years. In the last decade, Indonesia has been posting gross domestic product (GDP) growth rates averaging around six percent per year and giving rise to a rapidly expanding middle class segment. In 2012, the country's middle class numbered around 75 million people (of a total population of 240 million, making Indonesia the world's fourth most populous country). Research firms the Boston Consulting Group (BCG) and McKinsey expect that this middle class will grow to between 130 and 140 million people by the period 2020-2030. With more money to spend, people's lifestyles change accordingly. In terms of property it means that Indonesians will invest in property, either to improve one's own life (by living in a nicer house or at a better location), or by renting out or selling property with profit at a later stage.
Consumer confidence in Indonesia is also backed by people's positive attitude toward the upcoming legislative and presidential elections of 2014 (scheduled for April and July). Historically, domestic consumption tends to increase in election years in Southeast Asia's largest economy.
Compared to two decades ago, an important shift has occurred in the larger cities of Indonesia. The skyline of big cities such as Jakarta or Surabaya is more and more dominated by high-rise buildings, either offices or apartments. Central districts in cities have seen much property development as - amid economic growth - more and more businesses (both foreign and domestic) needed office space, while there has also been a trend of middle class people enjoying living in the central parts of the bigger cities as it reduces travel time to their offices. Also property development in suburbs and secondary cities has been booming, both from a demand and supply side. These projects include houses, apartments and condominiums, mixed-use developments, shophouses, malls in the rapidly growing suburbs of the Greater Jakarta region (including Jakarta, Bogor, Depok, Tangerang and Bekasi). Prospective secondary cities include Bandung, Surabaya, Yogyakarta and Semarang (all on Java, Indonesia's most populous island). Outside Java, large-scale property development is seen in cities such as Medan and Palembang (Sumatra), Balikpapan and Pontianak (Kalimantan), Makassar (Sulawesi) and on Bali as well as Lombok. As a logical side effect of the property boom, Indonesia's land and property prices have increased considerably in recent years.

In the Greater Jakarta region, demand for new residential property (middle-up and high-end housing projects) is at between 100,000 and 200,000 units per year, thus exceeding supply. Luke Rowe, Senior Advisor at Jones Lang LaSalle Indonesia, sees a very buoyant market across Jakarta as in 2013 74 percent of all new property projects were sold before construction was started. When projects are completed, about 90 percent of the property had been sold. These rates are much higher compared to other countries and thus indicate robust demand. Rowe also notes that 60 percent of property purchases are made by investors, while the remaining 40 percent are made by end-users. However, for the future, Rowe expects that the ratio of end-users will grow.
However, growth of the property sector in Indonesia is expected to slow after the central bank (Bank Indonesia) introduced measures to curb Indonesians' demand for housing, particularly because it detected speculative buying. In July 2013, Bank Indonesia raised the minimum down payment requirement and curbed mortgages for second home ownership. Moreover, higher inflation starting from June 2013 (after the government increased prices of subsidized fuels), in combination with an uncertain international climate (due to the looming end of the Federal Reserve's quantitative easing program) leading to large capital outflows from Indonesia (evidenced by a sharply depreciating rupiah exchange rate in 2013), made Bank Indonesia decide to raise its benchmark interest rate (BI rate) gradually from 5.75 percent in June 2013 to 7.50 percent in November 2013. In fact, there is still a chance that the central bank will raise its BI rate this quarter despite generally improving economic fundamentals (such as the easing current account deficit, easing inflation and an appreciating rupiah). Amid this less rosy economic environment, there have been reports that property developers needed to postpone projects as well as a reported decline in mortgage disbursement by financial institutions.
Bank Indonesia also prohibits lending to developers for land acquisition. For the smaller developers, this forms a (financing) problem and therefore Indonesia's property development continues to be dominated by the large developers, such as Lippo Karawaci, Agung Podomoro, Sinar Mas Land, Kawasan Industri Jababeka, Ciputra Development, Summarecon Agung, and Pakuwon Jati.

Sumber : http://www.indonesia-investments.com/doing-business/business-columns/overview-of-the-booming-residential-property-sector-of-indonesia/item1746

Nama   : Rudy Gustian
Npm    : 16210269
Kelas   : 4EA19
Tugas Bahasa Inggris Bisnis 2


Senin, 31 Maret 2014

PASSIVE VOICE


PASSIVE VOICE
Passive voice is an expression of the passive voice in English order. In the passive voice the subject is subjected to the work while in active form subjeklah who did the deed. In forming the passive voice we have to do is change to be and change the verb into ketiga/V3 form. Here is an example of the use of passive voice by changing an active sentence.
Examples of passive voice
  • Nanik borrow my pen (aktif)
  • My pen is borrowed by Nanik (pasif)
  • Lilik is watching my video (aktif)
  • My video is being watched by Lilik (pasif)
Passive Voice
The passive voice is less usual than the active voice. The active voice is the "normal" voice. But sometimes we need the passive voice. In this lesson we look at how to construct the passive voice, when to use it and how to conjugate it.
Construction of the Passive Voice
The structure of the passive voice is very simple:
subject + auxiliary verb (be) + main verb (past participle)
The main verb is always in its past participle form.

Look at these examples:
subject auxiliary verb (to be) main verb (past participle)       
Water is drunk by everyone.
100 people are employed by this company.
I am paid in euro.
We are not paid in dollars.
Are they paid in yen?
Use of the Passive Voice
We use the passive when:
    we want to make the active object more important
    we do not know the active subject
subject verb object
give importance to active object (President Kennedy) President Kennedy was killed by Lee Harvey Oswald.
active subject unknown My wallet has been stolen. ?
Note that we always use by to introduce the passive object (Fish are eaten by cats).
Look at this sentence:
    He was killed with a gun.
Normally we use by to introduce the passive object. But the gun is not the active subject. The gun did not kill him. He was killed by somebody with a gun. In the active voice, it would be: Somebody killed him with a gun. The gun is the instrument. Somebody is the "agent" or "doer".

Conjugation for the Passive Voice
We can form the passive in any tense. In fact, conjugation of verbs in the passive tense is rather easy, as the main verb is always in past participle form and the auxiliary verb is always be. To form the required tense, we conjugate the auxiliary verb. So, for example:
    present simple: It is made
    present continuous: It is being made
    present perfect: It has been made

Here are some examples with most of the possible tenses:
infinitive to be washed
simple present It is washed.
Past It was washed.
Future It will be washed.
Conditional It would be washed.
Continuous present It is being washed.
Past It was being washed.
Future It will be being washed.
Conditional It would be being washed.
perfect simple present It has been washed.
Past It had been washed.
Future It will have been washed.
Conditional It would have been washed.
perfect continuous present It has been being washed.
Past It had been being washed.
Future It will have been being washed.
Conditional It would have been being washed.

Passive Voice: Definition
In the active voice, the subject of the sentence DOES the action:
    John painted the house last week.
    Subject / verb / object
In the passive voice, the subject of the sentence RECEIVES the action.
    The house was painted last week.
    Subject / verb
Notice that the object of the active sentence (house) became the subject of the passive sentence.
Passive Voice: Use
The passive voice is used when:
1.We do not know who did the action
  Example: The documents were stolen.
  (we don’t know who stole the documents)
2.The receiver of the action is more important
  Example: The pyramids were built nearly 5,000 years ago by the ancient Egyptians.
  (we want to emphasize “pyramids” more than “ancient Egyptians”)
Passive Voice: Form
To change an active voice sentence to a passive voice sentence:
1.Make the object of the active sentence into the subject of the passive sentence.
2.Use the verb “to be” in the same tense as the main verb of the active sentence.
3.Use the past participle of the main verb of the active sentence.

Here are some active and passive voice examples to help!
   -Active: People drink champagne on New Year’s Eve.
   -Passive: Champagne is drunk on New Year’s Eve.
   -Active: Chefs use these machines to mix the ingredients.
   -Passive: These machines are used to mix the ingredients.
   -Active: They renovated the restaurant in 2004.
   -Passive: The restaurant was renovated in 2004.
   -Active: The teachers informed the students that the class had been cancelled.
   -Passive: The students were informed that the class had been cancelled.

Passive Voice: Present
In the present, the passive voice uses the verbs is and are + past participle of the main verb.
The passive voice present is often used to describe:
1.Processes
First the apples are picked, then they are cleaned, and finally they’re packed and shipped to the market.
2.General thoughts, opinions, and beliefs
New York is considered the most diverse city in the U.S.
It is believed that Amelia Earhart’s plane crashed in Pacific Ocean.
Hungarian is seen as one of the world’s most difficult languages to learn.
Skin cancers are thought to be caused by excessive exposure to the sun.
Passive Voice: Past
In the past, the passive voice uses the verbs was and were + past participle of the main verb.
The passive voice past is often used to describe:
1.Events in history
 George Washington was elected president in 1788.
2.Crimes / Accidents
Two people were killed in a drive-by shooting on Friday night.
Ten children were injured when part of the school roof collapsed.
Daftar Fustaka
Drs. Rudy Hariyono& Andrew Mc. Carthy, 2008, ABC Plus Grammar, Surabaya, Gitamedia Press.
Bramadi, N.S. Kursus Singkat Bahasa Inggris. Jakarta: PT Buana Ilmu Populer, 2011.