KOPERASI DI INDONESIA

KOPERASI DI INDONESIA
Menurut Undang Undang Republik Indonesia Nomor 22 Tahun 1992 tentang Perkoperasian, dikatakan bahwa KOPERASI adalah badan usaha yang beranggotakan orang-orang atau badan hukum Koperasi dengan berlandaskan kegiatannya berdasarkan prinsip koperasi sekaligus sebagai gerakan ekonomi rakyat yang berdasar atas asas kekeluargaan.
Sementara itu dalam Undang Undang Dasar Republik Indonesia Tahun 1945 (sebelum diamandemen) kata KOPERASI ini disebut dan dicantumkan dalam penjelasan pasal 33. Namun setelah amandemen, penjelasan atas pasal-pasal dari UUD 1945 dimasukkan dalam batang tubuh. Entah sengaja atau karena khilaf, ternyata kata KOPERASI ini tidak ikut masuk. Alias ketinggalan atau malah ditinggalkan?
Nampaknya para penyusun UU No. 22 Tahun 1992 itu (Presiden dan DPR) sudah lupa bahwa para founding father kita bercita-cita untuk menjadikan KOPERASI sebagai sokoguru perekonomian Indonesia. KOPERASI dianggap sebagai badan usaha yang terlalu banyak merepoti pemerintah. Karena banyak kredit program yang diterima KOPERASI (utamanya KUD) raib diselewengkan pengelolanya.
Namun kenyataan di lapangan, berbicara lain. Saat Indonesia mengalami krisis berkepanjangan, justru eksistensi KOPERASI nampak nyata. Saat hampir semua bank-bank besar macam BCA, Bank Lippo (bank swasta) , maupun bank pemerintah: Bank Bumi Daya, Bank Bapindo dan Bank Dagang Negara (yang kemudian ketiga bank terakhir dilebur menjadi Bank Mandiri) dan banyak bank lain pada colaps, KOPERASI masih bisa menjadi tumpuan anggota dan masyarakatnya dalam hal melayani keperluan modal.
Tak bisa dibayangkan, manakala saat itu, selain bank, KOPERASI juga ikut colaps, pasti akan semakin banyak jumlah angkatan kerja yang mengalami PHK.
Meskipun demikian, sampai sekarang, di mata perbankan, posisi tawar KOPERASI masih dipandang sebelah mata. Untuk bisa memperoleh kredit, di banyak bank, perlu KOPERASI melengkapi banyak persyaratan yang sering merepotkan. Memang banyak KOPERASI yang nakal. Tapi masih lebih banyak KOPERASI yang baik.
KOPERASI dan koperasi, dalam praktek, ada bedanya. KOPERASI (yang sejati) dibentuk dari, oleh dan untuk memenuhi kebutuhan anggota. Sementara koperasi dibentuk seorang seorang pemodal yang ingin memutar uangnya di koperasi. Hal ini dimungkinkan, karena untuk membentuk koperasi, pasca reformasi, sangatlah mudah.
Dulu, badan hukum KOPERASI harus disahkan oleh Kantor Wilayah Koperasi Propinsi Jawa Timur, selaku wakil dari Pemerintah. Sekarang, cukup disahkan oleh Dinas Koperasi Kabupaten/Kota saja.
Sejatinya KOPERASI dibentuk demi untuk kesejahteraan anggotanya. Sementara koperasi dibentuk demi keuntungan pemodal semata. Ibaratnya PT berbaju koperasi. Bahkan, tak jarang, mereka (para pemodal) itu rela membeli badan hukum KOPERASI yang sudah tidak aktif lagi dengan nilai tak kurang dari puluhan juta rupiah.
Jadi, ketika UUD 1945 sudah menganggap tidak perlu untuk mencantumkan lagi kata KOPERASI, ketika perbankan masih memandang KOPERASI dengan sebelah mata, ketika banyak PT yang beroperasi dengan kedok koperasi, MASIHKAH KOPERASI DIANGGAP SEBAGAI SOKOGURU PEREKONOMIAN INDONESIA?

LOVE AIN'T LIKE THAT

You can't buy it at the store
Try it on for size
Then bring it back if it don't feel right
No love, love ain't like that

You can't trade it in
Like an automobile
That's got too many miles an' rust on it�s wheels
No love, love ain't like that

Love ain't that easy to define
You can't build it by design
It takes its own sweet time
It don't fall from the sky
Like a tiny drop of rain
That hits you right between the eyes one day
No love, love ain't like that

You can't put your money down
An' just roll the dice
Think you're gonna win it all some night
No love, love ain't like that
Love, no love, love, love ain't like that
Can't trade it in like an automobile
Too many miles and rust on the wheels
No love, no love no, it ain't like that

YOU LIGHT UP MY LIFE

So many nights I sit by my window
Waiting for someone to sing me his song
So many dreams I kept deep inside me
Alone in the dark but now
You've come along
You light up my life
You give me hope
To carry on
You light up my days
and fill my nights with song
Rollin' at sea, adrift on the water
Could it be finally I'm turning for home?
Finally, a chance to say hey,
I love You
Never again to be all alone
It can't be wrong
When it feels so right
'Cause You
You light up my life

"Because You Loved Me"

you were my strength when I was weak
You were my voice when I couldn't speak
You were my eyes when I couldn't see
You saw the best there was in me
Lifted me up when I couldn't reach
You gave me faith 'coz you believed
I'm everything I am
Because you loved me

My lovely home

My lovely home

My house in only five-minute-walk from campus. It is not very big, but very cozy and quiet. This is the place where we can relax and find our own space. In our home, we really enjoy our relaxing time the pressure of campus and work.
It has a nice and warm living room. There is a beautiful painting of scenery hanging on the wall. My father is a keen gardener. He puts some pots of indoor plants near the doctor. In a low cabinet, you will see the trophies, picture of my family, small toys, and some books.
I am lucky to have a room to my self. I paint the wall olive the green, its my favorite color. There is a desk. I do my home work there. I also put a portable radio tape there.
The kitchen is my mother domain. My mother keeps it clean all day. There is a blue wall cabinet in it. It matches with its gray wall tiles.
However, only few will give my home a second glance. Still we are very proud of it. It many not be a perfect one. But all the same, its home sweet home.

DESA HARUS JADI KEKUATAAN EKONOMI

DESA HARUS JADI KEKUATAAN EKONOMI

Dari tahun ke tahun banyak sekali warga desa yang hijrah ke kota untuk mencari peruntungan yang lebih layak, bukan Cuma orang dewasa yang mencoba peruntungan ini, tapi juga anak di bawah umur ikut-ikutan mengadu nasib di kota kota besar. Sungguh sangat memprihatinkan melihat ini semua, karena desa yang dulunya sebagai bagian sentral dalam perekonomian Negara sudah mulai banyak di tinggalkan dan mulai mencariperuntungan baru.

Desa harus jadi kekuatan ekonomi ,agar warganya tak hijrah ke kota, sepinya desa adalah modal utama untuk bekerja dan mengembangkan diri. Walau lahan sudahmenjadi milik kota, bukan berarti desa lemah tak berdaya . desa adalah kekuatan sejati, Negara harus berpihak pada para petani.

Entah bagaimana caranya desa adalah masa depan kita,keyakinan ini datang begitu saja, karena aku tak mau celaka,desa adalah kenyataan, kota adalah pertumbuhan,desa dan kota tidak terpisahkan,tapi desa harus di utamakan.

Di lumbung kita menabung, datang paceklik kita tak bingung, masa panen masa berpesta . itulah harapan kita semua.Tapi tengkulak-tengkulak bergentayangan , tapi lintah daratpun bergentayangan, untuk apa punya pemerintah,kalau hiddup terus-terusan susah.

Tugas mengulang pelajaran yg di artikan dalam bahasa inggris

Tugas mengulang pelajaran yg di artikan dalam bahasa inggris
This book, as a part of the lecture’s not series is the first book of introduction management which tries to fulfill all the requirements for management introduction course is STIE gunadarma this book emphasizes more about specific management and business. And also related to the marketing, the accounting and the finance areas of study will be discussed.
Also this book discusses about how to when to be a management function and more it is then hope that this book will be of much help to the students in gaining the management introduction as a whole.
In part 1 : this book discussed about management definition. The management plays a vital role in any business or organized activity.
Management is composed of a team of managers who have charge of the organization at all levels. Also management as a know ledge and fine arts.
In part 2 : the management function most managers perform your basic function. These management function are :
• Planning, involves deter mining over all company objectives and deciding how these goal can best be achieved.
• Organizing, the second management function is the process is putting the plan into action. This involves allocating resources, especially human resources so that the overall objectives can be attained.
• Directing, the third of directing. Effective direction by managers requires on going communication with employees.
• In the last management function is controlling, managers evaluate how well company objectives are being met. In order to complete this evaluation managers must look at the objectives established in the planning phase.
In part 3 : management and external area.
In external area have two is micro’s area and macro’s area ( specific and general ) the definition of external environment is “all elements outside on organization that are relevan to its operation”
The general and specific environments of an organization!
• External macro : social variables, technological variables, economic variable and political variable.
• External micro : competitors, customers, supplies, government, the media, special interest group, labour union, and financial institution.
In part 4 : this book discusses about planning, to make management . menurut “newman” planning is deciding in advance what is to be alone and “ allen” planning is the determination of a course of action to active a desired result.
Planning is listed as the first management function because the other depend on it. However, even as managers move on to perform other managerial function, planning continues as goal and alternatives are further and revised.
In part 5 : organization, coordination, lini and staff.
What are the strategic goals of the organization ?
What task must be completed to achieve goals?
And more…