Latar Belakang :: Foreign Language Essays

Latar Belakang Kasus pembobolan Bank BNI menjadi isu yang mengejutkan masyarakat Indonesia di akhir tahun 2003, dimana Bank BNI mengalami kerugian sebesar Rp 1,7 triliun yang diduga terjadi karena adanya transaksi ekspor fiktif melalui surat Letter of Credit (disingkat L/C). Kasus ini menjadi fenomenal karena selain merugikan keuangan Bank BNI tetapi juga berimbas pada keuangan negara secara makro. A.     Profil Singkat Bank BNI Bank BNI didirikan pada tahun 1946. Perusahaan publik ini mayoritas sahamnya dimiliki oleh Pemerintah Republik Indonesia. Bank BNI merupakan bank terbesar nomor 3 di Indonesia setelah Bank Mandiri dan BCA dengan complete aset pada tahun 2003 sebesar IDR. 131,49 triliun. Visi Menjadi Bank kebanggaan nasional yang unggul dalam layanan dan kinerja Misi Memaksimalkan partner esteem dengan menyediakan solusi keuangan yang fokus pada segmen pasar korporasi, komersial dan konsumer Budaya Perusahaan 1.     BNI adalah bank umum berstatus perusahaan publik. 2.     BNI berorientasi kepada pasar dan pembangunan nasional. 3.     BNI secara terus menerus membina hubungan yang saling menguntungkan dengan nasabah dan mitra usaha. 4.     BNI mengakui peranan dan menghargai kepentingan pegawai. 5.     BNI mengupayakan terciptanya semangat kebersamaan agar pegawai melaksanakan tugas dan kewajiban secara profesional. B.     Ringkasan Kasus      Awal terbongkarnya kasus menghebohkan ini tatkala BNI melakukan review interior pada bulan Agustus 2003. Dari review itu diketahui bahwa ada posisi euro yang gila-gilaan besarnya, senilai 52 juta euro. Pergerakan posisi euro dalam jumlah besar mencurigakan karena peredaran euro di Indonesia terbatas dan kinerja euro yang sedang baik pada saat itu. Dari review akhirnya diketahui ada pembukaan L/C yang amat besar dan negara bakal rugi lebih satu triliun rupiah. Penjelasan mengenai L/C fiktif BNI tersebut adalah sebagai berikut : -      Waktu kejadian : Juli 2002 s/d Agustus 2003 -      Opening Bank : Rosbank Switzerland, Dubai Bank Kenya Ltd, The Wall Street Banking Corp, dan Middle East Bank Kenya Ltd. -      Total Nilai L/C : USD.166,79 juta and EUR 56,77 juta atau sekitar Rp. 1,7 trilyun -      Beneficiary/Penerima L/C : 11 perusahaan dibawah Gramarindo Group dan 2 perusahaan dibawah Petindo Group -      Barang Ekspor : Pasir Kuarsa dan Minyak Residu -      Tujuan Ekspor : Congo dan Kenya -      Skim : Usance L/C Kronologi : 1.     Bank BNI Cabang Kebayoran Baru menerima 156 buah L/C dengan Issuing Bank : Rosbank Switzerland, Dubai Bank Kenya Ltd, The Wall Street Banking Corp, dan Middle East Bank Kenya Ltd. Oleh karena BNI belum mempunyai hubungan koresponden langsung dengan sebagian bank tersebut di atas, mereka memakai bank go between yaitu American Express Bank dan Standard Chartered Bank. 2.     Beneficiary mengajukan permohonan diskonto wesel ekspor berjangka (kredit ekspor) atas L/C-L/C tersebut di atas kepada BNI dan disetujui oleh pihak BNI.

The Surprise Party

The Surprise Party At eight o’clock of the night of my fortunate birthday, I was distant from everyone else at home protesting and glaring, yelling angrily and feeling sorry for myself for my setback. I thought it would have been an uncommon day loaded up with presents and fun, however all I got was a â€Å"Happy Birthday†. Out of nowhere, the power cut off and there was a finished murkiness in the house. I couldn’t do anything along these lines I chose to rest and end this unfortunate day. Out of nowhere in that calm night, I heard an unexpected commotion originating from ground floor. I was surprised and horrendously stunned. I speculated that somebody broke into the house. Quickly, I attempted to telephone my folks, yet I had no answer. I called the police yet my portable was without credit! Following two or three minutes of dread, I began to quiet down. Despite the fact that meanwhile I heard more clamors of individuals talking, I made some mental fortitude and began heading for the cellar. As I gradually arrived at increasingly more the storm cellar, I speculated there were more than one individual, yet I thought that it was difficult to accept. There couldn’t be many individuals in our storm cellar! Gallantly, I opened the entryway of the storm cellar. There was a finished murkiness. There wasn’t a solitary commotion. In any case, as I drew nearer, I heard some chuckling and affirmed that there were individuals. Out of nowhere, the lights were on and there were my folks and companions cheering at me. It was an unexpected gathering!! On a table where there were the cake and the nourishment, there were the valuable presents that I wanted for quite a while.

Argumentative Essay Topics

<h1>Argumentative Essay Topics</h1><p>Argumentative article subjects are the establishment of all elegantly composed scholarly expositions. Regardless of whether you are composing for your last test of the year or as a report for a task, you should thoroughly consider what your point will be. Since the theme can represent the deciding moment the paper, it should be deliberately thought out.</p><p></p><p>Not just is it a simple assignment to concoct a factious article point, however it is entirely simple to compose a pugnacious exposition. Most undergrads realize that to compose a paper you have to have the essential jargon of your subject, and afterward you simply go from that point. The main issue is that a few understudies don't know precisely what words to use.</p><p></p><p>In request to maintain a strategic distance from written falsification, just as to keep the subject you have picked intriguing, you should be ce rtain that your paper point has been thoroughly considered to a fine needlepoint. The subject should obviously portray the theme you need to expound on. Without this, at that point it turns out to be a lot simpler to slip words into the paper that are not yours.</p><p></p><p>The most ideal approach to assist you with your theme is to find support from a composing guide. A guide is somebody who is acceptable at getting you thoughts across and who has involvement with your specific territory of intrigue. On the off chance that you believe you don't have the opportunity to recruit somebody for your composing needs, you might need to think about working with an individual mentor. A mentor can assist you with looking into and make connections.</p><p></p><p>Good exposition themes can be numerous things to numerous individuals. They can be scholastic subjects, policy driven issues, or even close to home issues. Despite the point, you ought to consistently have an away from of what the subject is.</p><p></p><p>The theory proclamation is the core of the paper. It is the principal sentence of the paper, the one that clarifies what the theme is about. In the event that you are uncertain of what to expound on, at that point it would be a smart thought to talk with a professional.</p><p></p><p>The presentation is another significant piece of your theme. It puts things in place, presenting your theme. It can likewise present the inquiry you should reply, or regardless of whether you ought to try and start with the exposition at all.</p><p></p><p>Your subject can be anything, and it doesn't need to be identified with your field of study. A great deal of times individuals spend the whole paper talking about their assessments on the governmental issues of their region. You can utilize the paper subject to substance out your experience and your experiences.< ;/p>

Top Paragraph Essay Student Samples Tips!

Top Paragraph Essay Student Samples Tips! The One Thing to Do for 5 Paragraph Essay Student Samples There are four principal quantifies that must be followed in order to make a reasonable, intelligible paper that is on the imprint and shows your absolute best exertion. You should remain without a care in the world. The perfect strategy, as to arranging an efficient exposition, is to form a layout. There are a great deal of convenient tips which can help you in altering the draft effectively. 5 Paragraph Essay Student Samples Fundamentals Explained When you have recognized the 2 subjects, choose which similitude and contrast to focus on. Framework the assets and time that you may wish to complete every part of somebody's exploration study. The second huge part might be the absence of a test for understudies. 1 such component which ought to be considered cautiously is the positioning of human services schools to each other. Film paper composing can be a fairly fascinating task since yo u don't have to commit a long stretch of time into research work. On the off chance that you've visited the school, reference your visit to show you've made an endeavor to learn all the more concerning the school. Federation article rivalry is sorted out welcoming individuals from all around the globe to participate in it. Understudies who battle with language and spelling ought to have a composing serious course to better their score. 5 Paragraph Essay Student Samples - Is it a Scam? Likewise, you're ready to buy exposition online modest in case of time need. The perfect method to begin is by tolerating your constraints. The perfect way out is to have a down to business system. Verify you become a close acquaintence with every one of your teachers, and give them a generally excellent impression, so when the time has come to get a letter of suggestion from them, it won't be an issue. Most Noticeable Paragraph Essay Student Samples Nursing today is a mess more than just working at th e bedside. Being acknowledged into clinical school is no basic task. Being a genuine attendant doesn't seem to have the specific fabulous inclination that it used to. Being she has consistently implied more that only a bit of texture. Due dates are incredibly exacting and they're dictated by UoPeople's clock. The key is that you might want to interest the peruser. The utilization of fitting models is likewise vital to persuade the crowd with what it is you're endeavoring to depict. Any models or bolster you give should be about the theme accessible. There's no merchant fundamental for buying the PA 529 arrangement. Since there is presently so much data that can be found on the web concerning clinical schools you can soon effectively discover everything that you should think about a specific one. Surely the ideal spot to start searching for data about the varying colleges which presently offer you clinical preparing is on the web. So here is some important data to assist you with cho osing the best web school for your on-line level. Every now and again a decision additionally works as a call for activity. There's no compelling reason to remain wakeful the entire night since it will impact your profitability. Try not to compose more than you ought to so as to illuminate your point. The enthusiastic part contrasts, however. In precisely the same vein, remember that everybody ought to be able to peruse your article and have it bode well. There is, what's more, the possibility that your imaginative endeavors might be perceived by the peruser. My mom's sickness made it outlandish for us all to welcome people to our home. There's no fantastic puzzle required here. Discovering how to make an influential exposition may take some time. At our article support, papers are constantly conveyed in a concise second. Verse examination expositions are very entangled to be composed, so I would unequivocally encourage you to chase for paper authors for employ. Composing the perfec t exposition might be troublesome at first, yet with some control and practice, you are unquestionably ready to improve. In certain cases, your instructor may offer you a rubric before you start your exposition. Understudies can't deliver a fabulous piece of preference expositions, not on the grounds that they can't compose papers however most likely by virtue of the basic certainty that they're not able to make superb titles for papers on bias. Talk about with the understudies the manner in which the passage is consistent and is all together, regardless of the way that it is a long way from energizing. Section one is where the fourth-grader sets down his vital point sentence. The end passage sums up the post and supplies a viewpoint that is past on the key point. Every one of these passages should rely upon every last one of the ensuing Roman numeral segments. Glaring syntactic or spelling blunders will harm your score, in this way it's savvy to reconsider. Obviously, you should verify that essential things like accentuation, sentence structure and spelling are first rate. You may require a couple of sentences as an approach to plainly come to your meaningful conclusion. The past sentence or two should resolve the issue being talked about all together for the peruser builds up a sentiment of consummation. There's an age limitation on the program. You should have a strong arrangement which will allow you to complete your paper and ensure your prosperity. The two plans are indistinguishable in numerous regards, however there are significant contrasts too which should be thought about. 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