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Asian Shares Rose and the Euro Held the Big Gains

The European Union on Monday postponed a summit by a week to allow time for a broader solution to Greece's debt crisis, after Athens said it had concluded talks with international lenders on an aid payment needed to avert default.

The debt saga in euro zone will remain in focus, traders and analysts said.

"The tug of war remains until the politicians wake up," said a Singapore-based trader, adding that gold is likely to be rangebound between $1,630 and $1,720.

Asian shares rose and the euro held the previous session's big gains. Societe Generale said it remains broadly bullish on the outlook for gold despite the recent retrenchment in prices, but lowered its 2012 average price forecast to $2,175 from $2,275.

Other precious metals also rose. Spot platinum rose nearly 1 percent to $1,531, extending the 1.8 percent climb in the previous session. _More >

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Islamic Economic

Murabahah

Murabahah is the Islamic version of a just or equal profit where no one is hurt nor damaged during business transactions. It is one of the alternatives for a just monetary system. Murabahah is a cost-plus contract in which a client, wishing to purchase equipment or goods, requests the Islamic bank to purchase the Items and sell them to him at a cost plus declared profit. By this technique a party needing finance to purchase ceratain goods gets the necessary finance on a deferred payment basis. The finance provider does the purchasing of the required goods and sells them on the basis of a fixed mark-up profit, agreeing to defer the receipt of the value of the goods even though the goods can be delivered immediately. The need for finance of the one in need is thus met.

This financing technique is sometimes considered to be the same as interest, however, in theory, the mark-up is not in the nature of a compensation for the time or deferred payment, even though the entire cost had to be incurred because the needy person did nt have at hand to make the purchase he wanted. Rather, the mark-up is for the service that the finance-owner provides, namely, seeking out and locating and purchasing the required goods at the best price.

PERBANDINGAN KINERJA BANK ISLAM TERHADAP BANK PERSERO, BANK ASING DAN BANK UMUM DI INDONESIA 

The study evaluates interbank performance of Islamic Banks in Indonesia on profitability, liquidity, risk and solvency; and community involvement for the period 2000 – 2004. Financial ratios are applied in measuring these performances. F-test are used in determining their significance. The study found that Islamic Banks are relatively more commitment to community development, but less liquid compared to the Government Banks, Foreign Banks, and Commercial Banks. Islamic Banks do not show (statistically) any difference in performance and managerial performance with the Government Banks and Commercial Banks, but Islamic Banks are less performance and managerial performance with the Foreign Banks. Islamic Banks are relatively more cost efficient compared to the Government Banks and Commercial Banks; more profit (NIM) compared to the Commercial Banks; and relatively less risky compared to the Foreign Banks. 

MUSHARAKAH FINANCING MODEL

Introduction

In the contemporary world there is always a dilemma for the entrepreneur who has a promising idea for a new venture. How is he to raise the capital necessary to launch the venture? Borrowing the money is probably out of question. If the normal interest rate is 6% but the venture has a 10% chance of failing within a year, the lender will probably charge interest at a rate of 16%. High interest, plus amortization, will impose heavy fixed costs on the venture from the outset and this will increase the danger of failure, and in turn the interest rate. Moreover, if the venture's prospects can not be predicted with reasonable confidence, it will be very difficult even to calculate an appropriate interest rate. The alternative must be for the entrepreneur to admit a partner to the business who is entitled to receive a portion of profits from the venture, if any, in exchange for contributing the necessary capital to it. The partner's compensation is determined automatically by the fortunes of the business. There is no need to compute an interest rate and there are no fixed costs of debt, the partner will receive his profits only if and as earned. 

However, Islam aims at establishing a social order where all individuals are united by bonds of brotherhood and affection like members of one single family. This brotherhood is universal and not parochial. It is not bound by any geographical boundaries and encompasses the whole of mankind and not anyone family group, tribe or race. 

The purpose of this chapter is to thoroughly examine the framework for musharakah (equity participation) and other financial instruments of the Islamic banks. The chapter is divided into eight sections. The first will define musharakah and give its historical background while in the second the different types of musharakah will be identified. The third will deal with the conditions of present day musharakah and the fourth analyses equity financing and its channels of investment in an Islamic society. The fifth will identify the steps to be taken to transfer to an equity financing system and the sixth is concerned with the role of equity financing in mobilizing funds and stabilization of the system. The seventh section describes other financial instruments of Islamic banks. Additional subsections are included which examine ijara (leasing), murabaha (cost plus financing), qard al-hasanah (beneficence loans), bai muajjal (deferred payment sale), bai salam (purchase with deferred delivery) and tadamun (solidarity). Finally some conclusions are drawn. 

The concept of brotherhood and equal treatment of all individuals in society and before the law is not meaningful unless accompanied by economic justice such that everyone gets his due for his contribution to society or to the social product and that there is no exploitation of one individual by another. The Prophet aptly warned: "Beware of injustice for injustice will be equivalent to darkness on the Day of judgement". This warning against injustice and exploitation is designed to protect the rights of all individuals in a society (whether consumers or producers and distributors, and whether employers or employees) and to promote general welfare, the ultimate goal of Islam. 

Of special significance here is the relationship between the employer and the employee which Islam places in a proper setting and specifies norms for the mutual treatment of both so as to establish justice between them. An employee is entitled to a "just" wage for his contribution to output and it is unlawful for the employer to exploit his employee. 

1. Definition of Musharakah & Its Historical Background 

Musharakah or shirkah can be defined as a form of partnership where two or more persons combine either their capital or labour together, to share the profits, enjoying similar rights and liabilities. 

From the very inception of human society, the methods to meet day to day needs have been changing with the change of social, economic, scientific, cultural and political circumstances, especially habits, fashions and the standard of living. These methods regulate the commercial activities and vary from place to place and time to time. The Arab society at the time of the rise of Islam had very simple financing methods and forms of business peculiar to that society. 

The advent of the Holy Prophet saw the practice of musharakah already prevailing over the commercial activities in Arabia. He not only ratified it, but also himself did business on the basis of musharakah.1 

After Hijra, the muhajireen and the ansar were declared by the Prophet to be brothers. Subsequently they joined as partners, in the form of musharakah, muzara and musaqat, in their trade and commerce. The nature of the transaction, in the different forms, is identical. The different nomenclature in Arabic refers to diverse activities such as muzara in agriculture, musaqat in gardening and musharakah in trade. The musharakah of capital and labour is called mudarabah. These four forms were so developed that they became independent institutions and the jurists formed detailed rules about them. There is a consensus of opinion among the jurists of all schools- of thought (including Hanfia, Maleki, Shafei, Hanbali and Shia) that musharakah is a valid and legitimate contract in Islam. The jurists, however differ over its form conditions and other details. 

2. Types of Musharakah 

Originally musharakah or shirkah (Partnership) was of two types. namely, 

(a) Shirkah al-milk (non-contractual partnership) 

(b) Shirkah al-uqood (contractual partnership) 

Shirkah al-milk (non-contractual) implies co-ownership and comes into existence when two or more persons happen to get joint-ownership of some asset without having entered into a formal partnership agreement; for example, two persons receiving an inheritance or a gift of land or property which mayor may not be divisible. The partners have to share the gift. or inherited property or its income, in accordance with their share in it until they decide to divide it. If the property is divisible and the partners still decide to stick together, the shirkah al-milk is termed ikhtiyariyyah (voluntary). However, if it is indivisible and they are constrained to stay together, the shirkah al-milk is characterized as jabriyyah (involuntary). Shirkah al-uqood (contractual partnership) can, however, be considered a proper partnership because the parties concerned have willingly entered into a contractual agreement for joint investment and the sharing of profits and risks. The agreement need not necessarily be formal and written, it could be informal and oral. Just as in mudarabah, the profits can be shared in any equitably agreed proportion. Losses must, however, be shared in proportion to the capital contribution.  Shirkah al-uqood has been divided in the fiqh books into four kinds: al-mufawadah (full authority and obligation); al-inan (restricted authority and obligation); al-abdan (labour, skill and management); and al-wujuh (goodwill, credit-worthiness and contracts).  In the case of mufawadah the partners are adults, equal in their capital contribution, their ability to undertake responsibility and their share of profits and losses. They have full authority to act on behalf of the others and are jointly and severally responsible for the liabilities of their partnership business, provided that such liabilities have been incurred in the ordinary course of business. Thus each partner can act as an agent (wakil) for the partnership business and stand as surety or guarantor (kafil) for the other partners. Inan on the other hand implies that all partners need not be adults or have an equal share in the capital. They are not equally responsible for the management of the business. Accordingly their share in profits may be unequal, but this must be clearly specified in the partnership contract. Their share in losses would of course be in accordance with their capital contributions. Thus in shirkah al-inan the partners act as agents but not as sureties for their colleagues. Shirkah al-abdan is where the partners contribute their skills and efforts to the management of the business without contributing to the capital.  In shirkah al-wujuh the partners use their goodwill, their credit-worthiness and their contacts for promoting their business without contributing to the capital.2 Both these forms for partnership, where the partners do not contribute any capital, would remain confined essentially to small-scale businesses only.  These are of course models. In practice, however, the partt1ers may contribute not only finance but also labor, management and skills, and credit and goodwill, although not necessarily equally. 3. Types of Modern Musharakah and its Conditions The modern business concerns being run on the basis of musharakah (as defined above) are as under: 

1. Partnership: It is regulated by- 

(a) Partnership rules framed by the government, 

(b) Business practices prevailing in the business community. 

2. Limited company. This type of musharakah is strictly controlled by the statutory rules framed by the government Its commercial activities are, however, influenced by the business practices (urf).               

3. Co-operative societies. This musharakah is also governed by statutory rules. Its commercial activities are influenced by the practices prevailing in the business community. 

The above modern musharakah principally resembles shirkah al-inan. The details are, however, considerably different due to change of urf and other factors including modem commercial techniques, economic conditions and legal requirements. Let us discuss briefly the conditions of musharakah, which are those of shirkah al-inan. Other types of musharakah mentioned by jurists are nearly obsolete nowadays. 

Capital to be invested by the partners may be unequal. For the majority of the jurists the capital should be in the shape of currency and not in the shape of goods. The condition for capital to be in the form of currency only was imposed when it was difficult to refer to the goods in terms of currency. This was true in the days of barter systems when the jurists framed the rules, but now goods are generally referred or accounted for in terms of currency. This condition should, therefore, be waived. In limited companies and co-operative societies the capital is invested in the form of equal units of currency called shares and the intended partners buy as many shares as they wish. This practice has universally been accepted as urf and is therefore according to Islamic principles. _(dari berbagai sumber)

The Euro Rebounded From an Eight Month Low Against the Dollar

The euro rebounded from an eight-month low against the dollar as central banks in Asia purchased euros and sold dollars.

The euro made a comeback Friday after five consecutive days of declines against the U.S. dollar and Japanese yen and reduced its decline to just above 2 percent in the last week.

It managed to pull through from the lowest level in 10 years after the Group of 20 nations made the commitment to come up with a effective and coordinated approach to the problems confronting the world economy.
The G-20 is composed of highly developed nations from the Americas, Europe and Asia that include the United States, United Kingdom, Australia, Canada, Russia and China.

"The welcome news is that the euro is not giving way," declared Callum Henderson of Standard Chartered PLC in Singapore.

The euro was at 103.03 compared to the yen in Tokyo from 102.64 in New York on Thursday. It went up to $1.3501 from $1.3465 Thursday. The lowest was at $1.3385 on Jan. 19.

Bloomberg reported that the G-20 members released a statement in Washington citing the "commitment in making a strong and coordinated international response to address renewed challenges facing the global economy, notably from heightened downside risks brought about by sovereign stresses, financial system fragility, market turbulence, weak economic growth and unacceptably high employment."  _More >

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Index of Shares in Developed Nations Also Fell Into a Bear Market

The MSCI index, which slipped 0.3 percent as of 1:33 p.m. in Hong Kong today, has lost more than 20 percent since peaking on May 2, meeting the common definition of a bear market. It tumbled 4.5 percent to a 13-month low of 277.38 yesterday. The MSCI World (MXWO) Index of shares in developed nations also fell into a bear market yesterday, plunging 4.2 percent. The MSCI Emerging Markets Index reached the 20 percent threshold on Sept. 13. 

Stocks fell, pushing the MSCI All- Country World Index of 45 nations into a bear market for the first time in more than two years, after the worsening European debt crisis and threat of a U.S. recession erased more than $10 trillion from equities since May. 

The world is poised for a financial crisis, Mohamed El- Erian, chief executive officer of Pacific Investment Management Co., said in Washington yesterday. Finance chiefs from the Group of 20 nations pledged late yesterday to address “heightened downside risks” to the global economy, echoing language used by the Federal Reserve on Sept. 21 when it announced a $400 billion plan to spur growth as the recovery from the worst contraction since the Great Depression falters. 

“The market is pricing in a recession,” said Ng Soo Nam, the Singapore-based chief investment officer at Nikko Asset Management Co., which oversees about $154 billion. “Stocks are looking cheap, but it will take a lot of courage to believe that. Things could get worse. The risk of a sovereign-debt default in Greece is the most significant concern.” More >

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Indikator MA Guppy

Indikator ini ditemukan dan dikembangkan pertama kali oleh Daryl Guppy yang merupakan pendiri sekaligus Direktur dari Guppytraders.com Pty Ltd. Dimana Saat ini dia merupakan trader aktif yang men-Tradingkan berbagai produk berjangka. Sedangkan Buku terkenalnya ialah "The 36 Strategies of the Chinese For Financial Traders, Share Trading and Trading Tactics, Bear Trading, Chart Trading, Trading Asian Shares" (dicetak dalam bahasa mandarin).

Pada awal tahun 2008 dia juga menerbitkan buku yang berjudul "Snapshot Trading" (juga dalam bahasa Mandarin). Bukunya yang berjudul Trend Trading menjadi best seller yang dipublikasikan di Beijing.

Ia juga mengembangkan indikator Guppy Multiple Moving Average dengan Metastock, Omnitrader dan berbagai program grafik lainnya. Ia juga menyampaikan kursus terakreditasi mengenai analisa teknikal Singapore Stock Exchange and Society of Remisiers, di Singapura. Dia juga merupakan salah satu anggota kehormatan dari Australian Government Shareholders and Investors Advisory Council. Secara rutin ia juga menyampaikan komentar dan analisa pada acara CNBC yang bertajuk CNBC Asia Squawk Box.

Selain itu ia juga menjadi kontributor (penulis), untuk salah satu majalah Sydney Futures Exchange magazine, Your Trading Edge, Technical Analysis of Stocks and Commodities, Active Trader, Working Money, Bridge Trader, Australia's Shares and Personal Investment, Singapore's Smart Investor, The Edge, dan Personal Money di Malaysia.

Guppy Multiple Moving Average (GMMA)
Pada indikator Guppy Multiple Moving Average (GMMA), adalah sebuah perangkat indikator yang menghitung hubungan pada setiap Moving Average. Setiap grup MA dalam GMMA akan menghasilkan dua buah kekuatan besar dari market yaitu trader dan investor. Indikator ini memberikan suatu gambaran pada kita tentang hubungan tepat antara metodologi trading dengan GMMA. Indikator ini didesain untuk menjelaskan aktifitas trend harian atau basis intraday (trading selama beberapa jam).

Grup Moving Averages yang digunakan ialah Moving Averages dalam jangka pendek. Dimana para Trader dapat selalu melihat setiap perubahan dari trend ini. Kelompok MA itu adalah 3, 5, 8, 10, 12 dan 15. Grup Moving Averages dibuat untuk menentukan suatu trend. Jika tidak ada trend, maka indikator ini menjadi tidak berfungsi. Artikel Guppy MA direlease pertama kali pada artikel Trend Trading (tanggal 4 April) oleh Daryl Guppy.

Seorang Trader akan masuk market pada saat terlihat ada perubahan dalam Moving Average. Mereka selalu menganstisipasi adanya perubahan trend. Trend yang kuat akan sangat membantu bagi para investor jangka panjang. Para investor lebih suka menggunakan indikator Moving Averages untuk jangka panjang.

Aplikasi

Secara natural pada indikator ini digunakan untuk mengukur sebuah trend. Indikator ini dapat diterapkan pada trading jangka panjang dan trading harian. Secara singkat untuk menampilkan indikator Guppy adalah dengan menggabungkan dalam grafik MA anda periode : 3, 5, 8, 10, 12 dan 15 (untuk Guppy jangka pendek), dan MA 30, 35, 40, 45, 50 and 60 (untuk Guppy jangka panjang). Ingin Lihat Hasilnya >

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The World Economy Will Expand 4 Percent this Year

The Standard & Poor’s GSCI Index of 24 commodities gained 0.3 percent by 12:33 p.m. in Seoul, trimming the week’s decline to 6.6 percent, the worst since May 6. The gauge is heading for its biggest quarterly loss since 2008. Copper fell to a one-year low and spot gold was set for its worst week in more than four months. Oil was poised for the first weekly drop in five.

Commodities were set for their worst week in more than four months on deepening concern that policy makers are running of tools to avert another global recession, hurting demand for metals, fuel and food.

Central bankers and finance ministers will discuss the economic outlook today at the annual meetings of the International Monetary Fund and World Bank in Washington. The Federal Reserve on Sept. 21 said it will replace $400 billion of short-term debt with longer-term Treasuries, saying it sees “significant downside risks” to growth.The world economy will expand 4 percent this year and next, the International Monetary Fund said on Sept. 20, cutting forecasts made in June for a 4.3 percent expansion this year and 4.5 percent in 2012.

Three-month copper on the London Metal Exchange fell as much as 2.2 percent to $7,505 a metric ton, the lowest price since September last year, and traded at $7,580. Prices declined for a sixth day and have slumped 26 percent from the record $10,190 on Feb. 15.

China Manufacturing

Manufacturing in China, the world’s largest metals user, may shrink for a third month in September, according to a preliminary index of purchasing managers from HSBC Holdings Plc and Markit Economics released yesterday. The initial reading for this month was 49.4 compared with a final 49.9 for August and 49.3 for July. Figures below 50 signal a contraction.  More >

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The U.S. Federal Reserve's Warning of a Grim Economic Outlook

Gold and crude oil edged up on Friday, recovering from the worst day for commodities since early May on Thursday, but remain on track for weekly declines as investors worry over slower economic growth.

The U.S. Federal Reserve's warning of a grim economic outlook and the International Monetary Fund's lowering of its global growth forecast prompted investors to reduce holdings of commodities as they fretted that demand for energy and industrial metals will slow.

The dollar fell against a basket of major currencies on Friday but is still near its highest level in seven months struck on Thursday.

London copper futures fell more than 2 percent to hit their lowest since September 2010, while zinc and lead dropped to their weakest in over a year, as fears of a global recession continued to fuel a sell-off in base metals.

Gold is headed for a third straight week of decline.

Weaker factory output data from China added to earlier signs of slowing growth in developed nations to send commodities across the board lower on Thursday. The dollar gained as investors opted for the perceived safety of Treasuries. More >

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ETFs Announced Today the Power Shares Chinese

Invesco PowerShares Capital Management LLC, a leading global provider of exchange-traded funds (ETFs), announced today the PowerShares Chinese Yuan Dim Sum Bond Portfolio (nyse arca:DSUM) is expected to begin trading on Sept. 23, 2011. The Fund will provide access to Chinese yuan-denominated "Dim Sum" bonds issued and settled outside mainland China. DSUM will have an expense ratio of 0.45% and is expected to issue monthly distributions. 

"The Dim Sum bond market offers attractive coupons, and the ability to participate in the appreciation potential of the yuan over time," said Ben Fulton, Invesco PowerShares managing director of global ETFs. "We believe the PowerShares Chinese Yuan Dim Sum Bond Portfolio provides investors with both convenient, and low cost(1) access to the yuan-denominated debt market."

The Dim Sum bond market was introduced in 2007 when the People's Republic of China-incorporated financial institutions were first allowed to issue yuan-denominated bonds offshore. Since then, the market for Dim Sum bonds has seen significant growth, particularly since its deregulation in July 2010. Dim Sum bonds are generally issued in Hong Kong by governments, agencies, supranationals and corporations. 

The PowerShares Chinese Yuan Dim Sum Bond Portfolio is based on the Citigroup Dim Sum (Offshore CNY) Bond Index. The Fund will normally invest at least 90% of its total assets in Chinese yuan-denominated bonds that comprise the Index. The Index measures the performance of Chinese yuan-denominated "Dim Sum" bonds that are issued and settled outside of Mainland China. The Index includes fixed-rate securities issued by governments, agencies, supranationals and corporations that have a minimum maturity of one year and a minimum size outstanding of 1 billion yuan. The index is managed by Citigroup Index LLC and is reconstituted on a monthly basis. 

More >

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Sejarah Forex, Foreign Exchange, FX

FOREX sering di singkat FX, berasal dari kata Foreign Exchange. merupakan pertukaran mata uang asing. Juga sering disebut valas atau Valuta Asing. Forex Trading, dengan demikian, merupakan perdagangan mata uang kedua negara yang nilainya berbeda dari waktu ke waktu.

Mata uang yang diperdagangkan dalam Forex adalah mata uang Negara-Negara maju seperti Dollar Amerika (USD), Yen Jepang (JPY), Swiss Franc (CHF), Poundsterling Inggris (GBP), Australian Dollar (AUD), dan Euro (EUR). Semua mata uang itu lazimnya dipertukarkan atau diperdagangkan secara berpasang-pasangan atau disebut pair. Misalnya EUR/GBP, CHF, GBP/USD, EUR/USD, AUD/USD, GBP/JPY dan lainnya.

FOREX trading di mulai sejak ditemukannya teknik konversi mata uang sebuah negara ke mata uang negara lainnya. Tetapi secara kelembagaan Forex Trading baru ada setelah didirikannya Badan Arbitrase Kontrak Berjangka atau Futures. Misalnya IMM atau Internasional Money Market yang didirikan pada 1972 sebagai divisi bagian dari CME atau Chicago Mercantile Exchange (perishable commodities). Atau yang lain misalnya LIFFE atau London International Financial Futures Exchange, TIFFE atau Tokyo International Financial Futures Exchange dan lainnya.

Transaksi forex bermula dari perdagangan komoditas, seperti emas, beras, dan lain-lain. Perubahan pola pasar Forex sendiri sampai yang dirasakan saat ini setidaknya mengalami empat kali perkembangan. Pertama, Periode Standar Emas pada era 1880-1914, kedua, Periode Masa Perang Dunia I pada era 1919-1939, ketiga Periode Bretton Woods pada era 1946-1971 dan keempat Periode Nilai Tukar Mengambang pada era 1971 sampai kini.

Perubahan itu dapat diringkas lagi menjadi dua tahap, yaitu tahap Periode Nilai Tukar Tetap dan Periode Nilai Tukar Mengambang. Adapun Periode Standar Emas, Periode Masa Perang Dunia I dan Periode Bretton Woods adalah termasuk tahap Periode Nilai Tukar Tetap.

Pada era Bretton Woods pasca kegagalan dari Periode Nilai Tukar Tetap dalam mempertahankan kestabilan ekonomi, transaksi forex mulai menjadi bagian terpenting perkembangan dunia sampai kini. Pasalnya karena suatu nilai tukar mata uang antar negara diserahkan sepenuhnya kepada mekanisme pasar. Pasar yang akan menentukan apakah seberapa besar nilai tukar mata uang tersebut berkaitan dengan perkembangan perekonomian suatu negara.

Forex Market adalah pasar yang paling likuid dan terbesar di dunia. Terdapat trilyunan dolar uang yang berputar di pasar forex setiap harinya. Jumlahnya sering melebihi BNP (Bruto Nasional Produk) negara-negara maju. Luar biasa. Tidak satu pihak pun dapat mengendalikan harganya di pasar untuk waktu yang panjang kecuali pasar itu sendiri yang menggerakkan. Forex adalah produk investasi yang sifatnya liquid dan bersifat internasional. Perbedaan nilai mata uang sebuah negara yang berubah dari waku ke waktu yang dipengaruhi berbagai macam faktor itulah yang menjadi dasar adanya transaksi keuangan bernama Forex Trading.

Forex Trading bergerak terus selama 24 jam setiap hari kerja mulai dari Senin sampai Jumat dan berputar mulai dari pasar New Zealand dan Australia yang berlangsung kira-kira pukul 04.00 – 14.00 WIB, terus ke pasar Asia yaitu Jepang dan Singapura yang berlangsung kira-kira pukul 07.00 – 16.00 WIB, lalu ke pasar Eropa yaitu Jerman dan Inggris yang berlangsung kira-kira pukul 14.00 – 22.00 WIB, sampai akhirnya ke pasar Amerika yang berlangsung kira-kira pukul 19.30 – 04.00 WIB. Begitu terus berputar lagi selama lima hari kerja.

Perputaran uang yang terjadi pada pasar forex menurut survey BIS (Bank for International Settlement) pada September 2008 ini sudah mencapai US$ 5 triliun per harinya. Tentu jumlah ini jauh lebih besar bila dibandingkan dengan perputaran uang di bursa berjangka lainnya, seperti komoditi ataupun pasar saham di tiap-tiap bursa efek negara maju manapun. atau dengan pasar tradisional. Dengan volume perdagangan sebesar itu, pasar ini sifatnya sangat cair dan kendali perdagangan tidak dapat dipegang, walaupun mereka dikatakan sebagai pihak yang memiliki modal besar. Pergerakan mata uang ini sepenuhnya bergantung pada pasar.

Begitu pemain besar atau kecil di forex trading, tetapi tidak satu pun dari mereka yang mampu mengontrol pergerakan kurs valuta asing. Bahan perekonomian sebuah negara bisa dipusingkan oleh transaksi yang ada di dalam pasar forex ini, karena bisa menghancurkan tiba-tiba bila terjadi sesuatu yang tidak diinginkan. Ingat berbagai krisis keuangan yang pernah terjadi, salah satu sebab utamanya karena transaksi di pasar forex ini. Forex trading tidak melibatkan perdagangan secara fisik. Karenanya forex trading juga dapat dijalankan dengan sistem margin atau jaminan (margin trading). _(blogvalas.com, profitbesar.com, upromosi.blogspot.com, lifeoffutures.wordpress.com, dan sumber-sumber yang mendukung).

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Nexian Genius A7500

Nexian Genius A7500, Android Tablet from Nexian

Pada gelaran Indonesia Cellular Show (ICS) 2011, ada sesuatu yang baru dari vendor Local phone Nexian. In the event that this dihelat once a year, Nexian introduce a tablet computer that is named Nexian Genius A7500. Like what tablet output Nexian this, Here we give our short review.

Nexian Genius A7500

This device has a design teblet stylish quite interesting. Using the Android operating system, tablet which can also be used for ber-this phone supports 3 g WCDMA networks and supported by connectivity Wi-Fi.

Genius tablets this rely on processors 600 MHz as the kitchen of his runway. Unfortunately, When we sambangi official website Nexian, the author does not find the detail of the processor being used on this device. Interestingly, phone the tablet is already using capacitive LCD screen 7 inch Multi Touch features supported.

Despite using the Android operating system, on the official website there is no explanation for the Android version of how the device is. When we asked on twitter official Nexian, They explain this using the Android version of the tablet 2.2 (Froyo).

On a tablet is already implanted some applications for the site – notable news sites such as   Indonesia Indonesia Business, Star Indonesia, Detik.com, KapanLagi.com and Kompas.com. For browsing in cyberspace, on this there is also a tablet application Opera Mobile.

To capture the moment – special moments, also available camera 2 megapixel camera on the back of this tablet. As storage suggestions photo, the song – the song and video, There is an external Micro SD memory slot.

Specification Nexian Genius A7500

• Network: GSM 900/1800 MHz, WCDMA 2100 MHz;
• Connectivity: GPRS/EDGE/WCDMA/HSPA, Wi-Fi, Bluetooth;
• Screen: 7 inch Multi Touch Capacitive LCD Screen;
• CPU: 600 MHz Processor;
• Operating system: Android v 2.2 (Froyo);
• Navigation: GPS/AGPS;
• Camera: 2.0 MP Camera;
• Memory: External Micro SD Slot;
• App: Opera Mobile, Facebook, Business Indonesia, Star Indonesia, Detik.com, KapanLagi.com, Kompas.com;
• Other features: Handsfree;
• IDR. 2.999.000,- *

_(beritahp.com)

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Windows Mobile 7

 "Windows Mobile 7"

Win7mobileMicrosoft Corp berencana untuk meluncurkan sistem operasi baru untuk telepon bulan depan. Perusahaan mungkin memanfaatkan hajatan Mobile World Congress di Barcelona untuk menunjukkan software terbarunya yang bernama Windows Mobile 7. "Tapi, keputusan ini belum final," kata sumber anonim yang tahu masalah ini.
Microsoft bergantung pada perangkat lunak terbaru untuk membangkitkan kembali semangat konsumen Windows Mobile dan produsen ponsel yang pernah mengadopsi sistem ini. Jadilah Disarankan, oleh Matt Rosoff, seorang analis dengan Kirkland, Windows Mobile 6.5, keluar pada bulan Oktober, tidak cukup untuk memenuhi pengembang perangkat lunak.
Akibatnya, semakin cepat mereka menunjukkan Windows Mobile 7, lebih baik, "melaporkan. Pada Bertentangan, Microsoft lagi menunda peluncuran sistem operasi ini, Itu bisa, lebih dan lebih sedikit produsen handset konsumen karena Microsoft akan melirik pilihan lain.
Sayangnya, Debbie Anderson, juru bicara Redmond, dasar Microsoft di Washington, Tak perlu dikatakan ini waktu peluncuran. "Namun ada hal-hal baru untuk mengumumkan," melaporkan. Steve Ballmer, CEO Microsoft Corp Dari. tahun yang lalu mengatakan, bahwa program baru akan keluar pada 2010.
Microsoft tidak memproduksi ponsel sendiri, tetapi, hanya sebuah sistem operasi yang akan digunakan oleh mitra. Pangsa pasar windows mobile telah banyak terkikis oleh Apple yang meluncurkan iPhone, Research In Motion Ltd dengan BlackBerry dan model yang menggunakan perangkat lunak Google Android:. Yang terakhir Perangkat Lunak, bahkan ensiklopedia digunakan oleh Motorola Inc, HTC Corp dan produsen lainnya. Google memperkenalkan telepon itu sendiri didasarkan pada perangkat lunak bulan ini. _(beritahp.com)

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Empat Miliarder Dunia

Larry Ellison CEO Oracle, Larry Ellison ini memiliki kekayaan bersih sekitar US$28 miliar. Pada 2004-2005, ia membuat berita utama saat ia membeli lebih dari 12 properti di Malibu, California, termasuk hotel dan restoran dengan menghabiskan US$180 juta.

Ellison juga menghabiskan duitnya untuk mengakuisisi turnamen olahraga. Baru-baru ini, ia menggelontorkan US$100 juta untuk membeli laga Turnamen Tenis Terbuka BNP Paribas.

Ada banyak cara yang dilakukan oleh para pemilik harta puluhan dan ratusan triliun di dunia dalam "menghamburkan" uang mereka. Bukan sekedar berapa yang dipakai untuk jamuan makan siang, pesta perkawinan atau membeli kapal pesiar, melainkan apa yang mereka lakukan dengan uang sebanyak itu.  

Ketika seorang miliarder tiba-tiba membelanjakan uang dalam jumlah besar, ratusan miliar atau triliunan rupiah, sontak sorotan tajam media langsung tertuju padanya.

Sebut saja misalnya ketika taipan Roman Abramovich membeli klub sepak bola ternama Chelsea pada 2003, media pun memberitakan secara besar-besaran aksi tersebut.

Michael Bloomberg

Michael Bloomberg tergolong taipan yang kurang konvensional dalam membelanjakan uangnya. Pemilik kekayaan US$18 miliar itu menghamburkan duit yang tak sedikit untuk memenangkan pencalonan dirinya sebagai Walikota New York pada 2009. Menurut laporan AFP, Bloomberg menghabiskan US$1 juta per hari dalam pertarungan politik melawan saingannya. Catatan New York Times, Bloomberg juga mengeluarkan biaya besar dalam tiga pemilu sebelumnya.

Meskipun duit banyak membantunya dalam mempertahankan kursinya, Bloomberg secara rutin menjaga popularitasnya tetap tinggi dikalangan pemilih New York. Itu menunjukkan bukan sekedar uang dibalik kesuksesannya.

Warren Buffet

Pada 2008, Warren Buffet dinobatkan sebagai orang terkaya dunia versi Forbes dengan harta US$62 miliar. Meski begitu Buffet terkenal taipan yang hemat, bukan pemboros besar. Sepanjang karirnya, ia mengkritik belanja besar para CEO-nya, termasuk kritikan pada label US$100 juta jet pribadi perusahaan yang menurutnya "Tidak Bisa Dipertahankan."

Meski duitnya ratusan triliunan rupiah, dia memilih hidup sederhana. Lantas untuk apa segunung uangnya digunakan? Pada 2006, Buffet memilih menyumbangkan 80 persen kekayaannya kepada Bill dan Melinda Gates Foundation. Pada saat itu, ia menyumbang sebesar US$30 miliar, donasi terbesar yang pernah ada.

Lakshmi Mittal

Lakshmi Mittal adalah salah satu taipan papan atas dunia versi Forbes dengan total harta US$28,7 miliar pada 2010. Pada 2004, raja baja India dan CEO ArcelorMittal ini menikahkan putrinya selama enam hari berturut-turut bagi 1000 tamu undangan di Istana Versailles, termasuk bintang tenar Kylie Minogue. BBC memperkirakan biaya pernikahan tersebut lebih dari US$55 juta. Sumber; _(vivanews.com)

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Strategi Groupon

Menyusul langkah LinkedIn dua pekan lalu, situs social buying Groupon telah mendaftarkan diri untuk go public, Kamis 2 Juni 2011. 

 

Menurut dua orang sumber New York Times yang mengetahui masalah ini, debut Groupon di lantai bursa diharapkan bakal menyerap dana sebesar US$3 miliar.

Perusahaan ini diperkirakan memiliki valuasi sekitar US$30 miliar (sekitar Rp256 triliun), melampaui valuasi Google saat IPO pada 2004. 

Groupon adalah situs yang menawarkan kupon diskon kepada para penggunanya. Popularitas perusahaan yang bermarkas di Chicago itu naik begitu singkat. Tak lama setelah didirikan, Groupon mengukir pendapatan sebesar US$94 juta (sekitar Rp800 miliar) pada 2008. 

Dua tahun kemudian, pendapatannya membengkak menjadi US$713 juta (sekitar Rp6 triliun). Kini, perusahaan itu memiliki lebih dari 7.000 karyawan dan 83 juta anggota di 43 negara. Pada kuartal pertama tahun ini, Groupon melaporkan pendapatan sebesar US$644,7 juta.

Pada 2010, berdasarkan sesi pendanaan yang dilakukan oleh lembaga investasi Rusia D.S.T. Global, Groupun diperkirakan bernilai US$1,4 miliar. Groupon juga sempat menolak tawaran akuisisi dari Google senilai US$6 miliar atau sekitar Rp51 triliun pada Desember 2010.

Kini, dengan valuasi sekitar US$30 miliar, Groupon akan melampaui debut Google saat IPO. Pada IPO Agustus 2004, Google menyerap dana sebesar US$1,67 miliar dan mencatat nilai valuasi sebesar US$27 miliar (sekitar Rp230 triliun). 

Pada sebuah surat pernyataannya kepada para investor, Chief Executive Groupon, Andrew D Mason, menyorot peluang pertumbuhan perusahaan, namun mewanti-wanti agar mereka tidak terlalu menaruh harapan terlalu tinggi pada keuntungan perusahaan. 

“Saat melihat peluang untuk berinvestasi jangka panjang, kita jangan terlalu menghiraukan konsekuensi jangka pendek,” kata Mason dikutip dari NYTimes.

Saat ini, pemegang saham terbesar Groupon adalah Co-founder dan anggota dewan direksi Eric P Lefkofsky, yang memiliki 64,1 juta saham, atau sekitar 21,6 persen saham perusahaan senilai miliaran dolar AS. 

Selain itu, lembaga modal ventura Accel Partners, yang berinvestasi di Groupon pada November 2009, memiliki 5,6 persen saham. Sementara itu, Mason, mengendalikan 7,7 persen saham perusahaan. Groupon, yang akan diperdagangkan dengan kode “GRPN,” menunjuk Morgan Stanley, Goldman Sachs, dan Credit Suisse sebagai underwriter pada IPO tersebut.

Selain Groupon, dua orang sumber yang tidak bersedia disebutkan juga mengatakan bahwa perusahaan game Zynga juga tengah bersiap mendaftarkan IPO dengan perkiraan nilai valuasi lebih dari US$10 miliar.

Sementara itu, Facebook, yang baru-baru ini menggalang investasi sebesar US$1,5 miliar diharapkan untuk mendaftarkan IPO tahun depan. Sekarang, Facebook memiliki valuasi sebesar US$80 miliar.

Gelombang go public itu mengikuti IPO LinkedIn di Wall Street dua pekan lalu. Pada hari pertama perdagangan, saham LinkedIn melejit hingga lebih dari dua kali dari yang ditawarkan.

“Pasar seringkali adalah para peramal yang baik, dan saya pikir ini baru awal dari kiprah jejaring sosial,” kata Bing Gordon, seorang pemodal ventura sekaligus direktur pada perusahaan game Zynga. (art) _Sumber (vivanews.com)  www.masza.cz.cc

Bicara’ Modal Utama Kesuksesan

Dalam hidup ini, manusia tiada henti untuk berkomunikasi. Sebagai makhluk social sudah selayaknya memahami akan cara berbicara, kepada lawan jenis ataupun kepada audien luas, lebih-lebih bagi kita yang selalu mengadakan kegiatan dengan komunikasi sebagai alatya. Studi baru menemukan fakta, orang yang berbicara dengan jeda dan tidak terlalu cepat, adalah orang yang kata-katanya paling mungkin berhasil meyakinkan pendengarnya.

Jose Benki memiliki ketertarikan meneliti pidato dan dunia psikolinguistik. Ilmuwan dari University of Michigan ini mengatakan, orang yang kecepatan bicaranya sekitar 3,5 kata per detik, akan lebih berkemungkinan disetujui pendengarnya daripada orang yang berbicara lebih cepat atau lebih lambat.

Benki meneliti 1.380 hasil rekaman telepon yang dilakukan oleh 100 orang yang meminta orang lain berpartisipasi dalam sebuah survei. Hasil rekaman itu lalu dianalisis kelancaran dan kedalaman suaranya, dan korelasi kedua variabel itu terhadap kemampuan partisipan dalam meyakinkan orang lain.

Hasilnya, pria yang suaranya tinggi cenderung lebih rendah kemampuan persuasinya dibandingkan pria bersuara lebih dalam. Tapi kedalaman suara tidak menunjukkan pengaruh signifikan bagi perempuan.

Para peneliti juga memeriksa penggunaan jeda dalam berbicara. Mereka menemukan, orang yang bicara dengan menerapkan jeda-jeda pendek yang lebih sering, akan cenderung lebih mampu mempersuasi orang lain ketimbang orang yang bicaranya terlalu lancar.

“Penggunaan jeda yang dimaksud adalah sekitar 4-5 kali per menit,” ungkap Benki.

Pewawancara tidak membuat jeda sama sekali, adalah yang paling rendah tingkat persetujuannya. Namun orang yang bicara dengan terlalu banyak jeda, walaupun dianggap gagap, mereka justru memiliki tingkat keberhasilan lebih tinggi daripada orang yang bicaranya terlalu lancar. _(Id.yahoo.com)

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Tablet Honeycomb Regza AT300

Bluetooth, WiFi dan HDMI output serta SD memory card slot. Tablet ini juga dilengkapi Regza Apps Connect untuk terhubung dengan perangkat Regza lain seperti , notebook, ponsel Regza. dll. Ukuran Regza  AT300 adalah 177 x 273x 15.8mm dan  beratnya 765g.

Toshiba Regza AT300, Tablet Honeycomb terbaru keluaran dari Toshiba.

Setelah banyak rumor dan pemberitaan mengenai tablet pc terbaru Toshiba dengan sistem baru Honeycomb OS dari Android, akhirnya tablet pc Toshiba tersebut telah keluar dengan nama Toshiba Regza AT300.

Tablet pc Toshiba Regza AT300 diperkenalkan di Jepang, dengan rilis resmi dijadwalkan sekitar bulan Juni 2011 nanti, dengan harga yang sedikit lebih mahal dari para pendahulunya dan bahkan lebih mahal dari tablet iPad generasi ke 2 versi 16GB.

AT300 adalah software installan dari REGZA Apps Connect yang dapat mengintegrasikan keberbagai perangkat lain seperti Televisi dan pemutar Blu-ray. Tablet pc Toshiba Regza AT300 juga sudah mendukung akses A-GPS, Android Market, G-mail,Google Maps with Street View, G-Talk, Google Search by voice, Facebook, Twitter, YouTube, Picasa dan Adobe Flash Player.

Harga Tablet pc Toshiba Regza AT300 akan ditawarkan resimnya 720 USD atau sekitar Rp 6.26 Jutaan.

Tablet Toshiba AT300 ini telah menggunakan prosesor dual core NVIDIA Tegra 2 1GHz , dengan memori 1GB of RAM dan 16GB untuk penyimpanan internal. Ada 2 kamera pada tablet ini, di bagian belakang 5 Megapixel dan 2 Megapixel di bagian depan.

Tablet Toshiba Regza  memiliki layar 10.1-inch 1280×800 LCD jenis Adaptive Display yang menampilkan kontras lebih baik di bawah sinar matahari.

(ar/gtn/bt) www.suaramedia.com

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Baju Wanita Blouse

Baju Wanita ZENON Blouse Biru Allsize

Blouse berbahan kaus dengan motif tulisan yang unik nyaman di pakai saat anda santai.

Detail Ukuran
Lebar bahu	29 cm
Lingkar dada	68 cm
Lingkar pinggang	64 cm
Tinggi	57 cm
Panjang lengan	9 cm

 

Nomor Produk	24163
Ready Stock	8
Harga	Rp 50.000,- Diskon: 78% Rp 11.000,-
Tanggal Publish	24 Mar 2011
Pesan Sekarang

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Free Domain dan Hosting Murah

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Kursus Internet Marketing

Pelatihan Bisnis Online

Di sini kita akan mendapatkan pelatihan bisnis online yang terarah dan efektif yang diberikan secara bertahap, satu level/tingkatan setiap waktu. Konsep belajarnya menggunakan pendekatan Learn » Action » Profit/Sukses Artinya,

1. Belajar secara sistematis
2. Praktek atau action dalam tindakan nyata yang efektif
3. Melihat hasil dari Astion yang telah kita lakukan dan nikmati profit/Suksesnya

Tujuan