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 absolute 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 inward 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 middle person 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.

Marketing Planning Process in a Brewery Case Study

Promoting Planning Process in a Brewery - Case Study Example Nature in which business works affects their triumphs or disappointments. There is a solid linkage between the evolving conditions, the vital reaction of the business to such changes and the presentation. It is thusly critical to comprehend the powers of outside condition the manner in which they will impact this linkage. The outside condition which is dynamic and changing holds the two chances and dangers for the associations. The adjustments in the earth influence the hazard levels of different ventures to be made in the new circumstances. The large scale conditions in which all organizations work extensively comprise of the monetary condition, the political and legitimate condition, the socio social perspectives and nature related issues. The innovative temper and its encouraging has been the key driver behind the significant changes saw in the outer condition making it progressively complex to enter in different nations (Ross, 1-3). The organization needs to break down the sort of effect the fare may get their industry as the effects are never same for all ventures. The rising segment profile of any nation will have altogether different ramifications for organizations. The previous will confront an unfavorable impact, the last will have a beneficial outcome and this should be broke down and coordinated into vital dynamic (Yvonne, 2004, 14). The Marcom destinations (Marketing correspondence and promoting blend strategies) set by the Brewery business are as per the following: (I) According to cost, focusing on and reaction Publicizing cost incorporates cost of structure, creation, for example, printing and media incorporates, nearby radio, show notice and so forth. For compelling showcasing correspondence, present day associations ought to find out about the techniques that are accessible in the market. Associations should stay aware of market advancements in order to give powerful choices about where to put promoting publicizing accentuation, and what showcasing correspondence 'blend' of techniques to utilize. (ii) According to structure, creation and the job of outside offices Organization's picture is framed by promoting material and battle. What's more, organization can take the assistance of outside offices and a decent originator. The job of plan and promoting offices are: a. Worried about arranging commercial crusade and b. Executing publicizing or limited time 'crusades' on organization's sake (iii) Use basic language for client gets it Clients are individuals with multi choices from all sources and having great specialized or itemized comprehension of items and administrations. The viable promoting and showcasing is the capacity to pass on complex issues to the client in a fascinating, pertinent, significant, and simple way. 3. SWOT and PESTEL Analysis A SWOT examination sums up the key issues from the outside condition and the inward abilities of an association those which become basic for technique improvement. The point through this is to recognize the degree to which the qualities and shortcomings are pertinent to and equipped for managing changes in the

The American College Promise Rebuttal Argument Form

<h1>The American College Promise Rebuttal Argument Form</h1><p>The American College Promise Rebuttal Argument Form is a specific type of Argument which permits one to react to a College Promise explanatory investigation exposition in another and creative manner. This type of rejoinder might be utilized against practically any exposition question, however is best when it is utilized against a College Promise expository analysis.</p><p></p><p>The essence of the American College Promise Rebuttal Argument Form is to just reframe the contention that was introduced by the College trying to wreck it. This should be possible in various manners. It should be possible by acquainting words or expressions with change the tone of the argument.</p><p></p><p>For model, one could present an expression, for example, 'so what', 'far fetched', 'gossip' or potentially 'obscure'. This will totally change the general tone of the contention, trying to show that the understudy couldn't in any way, shape or form accept what was being stated, as he would prefer to accomplish something different as opposed to accomplishing something he is doing. Then again, he could really show that the College is lying in its wording, by addressing the inquiry with another non-serious inquiry of his own, for example, 'who are you attempting to fool'?</p><p></p><p>This type of Rebuttal Argument has been utilized on a few events in protecting against a College Promise explanatory examination. At the point when utilized effectively, it will clearly not modify the significance of the contention by any stretch of the imagination, but instead, will show that the College's inquiry was silly, as he would prefer to accomplish something different with his time.</p><p></p><p>Another strategy is to just raise the three most significant things the understudy thinks about the current theme. By raising the se three significant things, the contention is wrecked and the College needs to contend for their announcement instead of clarify it. This is particularly compelling when the understudy raised some explanation, for example, the way that a few people had said that getting a degree from a school would be troublesome, or something along those lines.</p><p></p><p>If you can show the peruser that another person had said that the school guarantee was senseless, at that point you have gone far to crushing the contention. This is particularly successful when the source that the author utilized is a College employee. Be that as it may, this type of Rebuttal Argument is somewhat dubious when you are endeavoring to assault a College Promise expository investigation on the grounds that the author of the paper may well have not really said what the peruser thinks they had said.</p><p></p><p>The stunt here is to show the peruser that the essayist is just lying or deluding the peruser, so as to assault the College's explanation that getting a degree from their school would be troublesome. This sort of Rebuttal Argument can be very viable, however it is regularly countered by assaulting the author's intentions recorded as a hard copy the exposition. The way that they may have a predisposition against getting a degree, and therefore, they fear coming clean, are only one potential argument.</p><p></p><p>When the type of Rebuttal Argument has been appropriately utilized against a College Promise, the creator will for the most part comprehend why the College is attempting to prevent somebody from finishing the program, as the main explanation they have for doing so is unadulterated self-centeredness. To additionally guarantee accomplishment against this type of contention, an understudy ought to consistently keep up a mentality of steady self-control, and that they will never surrender. Anything less is a fin ished failure.</p>