BAHASA INGGRIS BISNIS 2

TUGAS 1 SOFTSKILL

Nama

Nuri Eka Wahyumiati

NPM
Kelas

: 15212498
: 4EA19

UNIVERSITAS GUNADARMA
BEKASI
2016
Mencari Kalimat Conditional Sentence (if-clause) mengenai perbankan atau
perekonomian di indonesia dari berbagai artikel berita:
1. If they join the effort, they can utilize zakat and sadaqah more to enhance the
economy.
*Kalimat Tipe 1
Terjemahan:
Jika mereka ikut berusaha, mereka dapat menggunakan zakat dan sadaqah lebih untuk
meningkatkan ekonomi.

2. If the legal basis is agreed upon then the Finance Ministry will be ready to disburse
the funds for the Indonesia Terang program.
*Kalimat Tipe 1
Terjemahan:
Jika dasar hukum disepakati, maka kementrian keuangan akan siap mengeluarkan
dana untuk program indonesia terang
3. If Bank Mandiri wins an infrastructure project, we will join in the financing.
*Kalimat Tipe 1
Terjemahan:
Jika bank mandiri memenangkan proyek infrastruktur, kami akan bergabung dalm
pembiayaan.
4. If the government maintains the availability of food supplies, we will see full-year
inflation stable, even lower than currently estimated.
*Kalimat Tipe 1
Terjemahan:
Jika pemerintah mempertahankan ketersediaan pasokan pangan, kita akan melihat
inflasi setahun penuh stabil, bahkan lebih rendah dari perkiraan saat ini.
5. If rice stocks are under control, March inflation will hopefully be benign as well.
*Kalimat Tipe 1
Terjemahan:
Jika persediaan beras dibawh pengawasan, inflasi maret mudah-mudahan berjalan
lancar.
6. If fuel prices are adjusted or if there is an adjustment in transportation tariffs, core
inflation and volatile food inflation will surely be affected.
*Kalimat Tipe 1
Terjemahan:
Jika harga BBM disesuaikan atau jika ada penyesuaian tarif transportasi, pokok inflasi
dan inflasi makanan pasti akan terpengaruh.

Disbursal Programs Deter Islamic Finance Growth IDB

Islamic financial institutions work separately in Indonesia, making their growth relatively
stagnant compared to similar institutions in other countries despite the potential posed by
serving the world's largest Muslim population.

The growth of sharia finance in Indonesia is stagnant at 4.8 to 4.9 percent yearly. It has never
reached above 5 percent. Thus, Islamic-based financial institutions in Indonesia are relatively
small and seen as being second rate compared to conventional financial institutions.
"It affects [fund] collection and distribution despite it being a potentially big market. It makes
the cost of funds at sharia banks higher than that at conventional banks," Islamic
Development

Bank

(IDB)

Indonesia

country

director

Ibrahim

Shoukry

told

thejakartapost.com in Jakarta on Saturday.

Usually, a sharia institution functions only as an extension of a conventional bank, he said,
and therefore the infrastructure and human resource were usually not as strong as those in its
parent company.
Ibrahim voiced support for the governments initiative to merge state-owned Islamic banks to
expand their collection and distribution. A bigger bank could attract bigger investors and
play a bigger role in financing, such as in issuing bigger sukuk," Ibrahim continued.
The same principle could be applied to zakat (mandatory alms) andsadaqah (charity)
distribution institutions. There are many professionals that disburse funds, such as Dompet
Dhuafa, LAZIZMU (under Muhammadiyah) and the PKPU (under Nahdlatul Ulama) and
semi-professionals.
"People are comfortable making donations through people they can trust. If they join the
effort, they can utilize zakat and sadaqah more to enhance the economy," Ibrahim said. (ags)
http://www.thejakartapost.com/news/2016/03/15/disbursal-programs-deter-islamic-financegrowth-idb.html

OJK Gains Wider Access to Australia

The government will facilitate state-owned companies to develop electricity infrastructure in

several remote areas across the country and provide as many as 12,659 villages with access to
electricity.
Energy and Mineral Resources Minister Sudirman Said said in two weeks his ministry would
coordinate with local administrations to setup task forces for the program Indonesia Terang
(Bright Indonesia) program.
Electricity infrastructure development in remote villages and border areas has long been
considered unfeasible economically, leaving many investors uninterested.
Lack of human resources, funding and geographic location are factors that mean these
villages, 65 percent of which are located in six provinces in eastern Indonesia, are without
access to electricity.
The fact is, if electricity can be accessed in these villages then there will be local economic
growth. Local businesses will thrive and the peoples and the countrys income will also rise,
Sudirman said in a statement on Tuesday.
So this can become an even wider economic movement.
The ministry has mulled over several possible schemes in order to implement the program
and close the economic gap, including providing infrastructure, a feed-in tariff (FIT) and
subsidized prices.
To date, the country has a total installed power-plant capacity of about 55,000 megawatts
(MW).
The electrification ratio stood at 88 percent as of the end of last year. However, there are
numerous areas, particularly outside of Java, with lower ratios and frequent blackouts as the
demand is higher than the available capacity.
There are several developments that the government has been pushing in order to fulfil its
ambitious program to supply an additional 35,000 MW of electricity within five years.
Sudirman added that in the past decade the state had spent Rp 2,600 trillion (US$197.15
billion) of state funds in the form of subsidized fuel, That funding had been completely
consumed, polluted the environment and increased the need for imports, he said.

The Indonesia Terang program is expected to only need to use 10 percent of the available
subsidized budget. This funding will be used for renewable energy, in accordance with
government regulation No. 79/2014 on National Energy Policy (KEN) which stipulates that
renewable energy should make up 23 percent of the primary energy source by 2025.
Meanwhile, Deputy Finance Minister Mardiasmo said there were three schemes that could
potentially help fund the Indonesia Terang program: specific allocation funding for the energy
sector, funding for oil and gas or the village funds.
The use of those funds requires a legal basis in the form of the State Budget Law, which can
be inserted in the revised state budget, he said.
If the legal basis is agreed upon then the Finance Ministry will be ready to disburse the
funds for the Indonesia Terang program.
http://www.thejakartapost.com/news/2016/03/10/ri-speed-electricity-projects-remoteareas.html#sthash.rqYAWE4U.dpuf

Bank Syariah Mandiri Recovers Profit Through Restructuring

A bank officer talks to a customer at a Bank Syariah Mandiri branch in Central Jakarta
recently. The biggest lender by assets in the country has managed to recover its 2015 profits
after restructuring its non-performing financing.(The Jakarta Post/Jerry Adiguna)
Amid a high non-performing financing (NPF) ratio, Bank Syariah Mandiri (BSM) has
recovered performance, translating to an increase in its net income to Rp 290 billion (US$22
million) in 2015.
President director Agus Sudianto acknowledged that the lender experienced poor
performance in 2014 as its net income dropped to only Rp 72 billion. Burdened by bad
financing, its margin was slashed by 8 percent.
However, he continued, the biggest Islamic bank in Indonesia by assets has restructured many
of its non-performing loans and made Rp 423 billion in cash recovery. The margin grew
16.23 percent, from 2014 to 2015.
"The loan restructuring is to get the bank ready for the 2016-2020 corporate plan. We
accomplished the change in 2015. The Rp 423 billion cash recovery also exceeded our target
of Rp 400 billion," Agus said in Jakarta on Wednesday.
At the same time, he further said, the company prevented the cost of human resources from
ballooning through its efficiency program, with costs growing only by 0.74 percent. It was
significantly lower than to the 14 percent increase in 2014.
Director of finance Agus Dwi Handaya explained that microfinance registered an outstanding
performance with a 54 percent increase in 2015 to Rp 3.5 trillion. For 2016, the bank aimed
for more microfinancing through its branchless banking service to reach remote areas, aside
from infrastructure financing.
"Since the government funds the infrastructure, then it is relatively safe. But, we will follow
our parent company [Bank Mandiri]. If Bank Mandiri wins an infrastructure project, we will
join in the financing," Dwi told thejakartapost.com. (ags)(+)
http://www.thejakartapost.com/news/2016/03/04/bank-syariah-mandiri-recovers-profitthrough-restructuring.html#sthash.qWfl1ipr.dpuf

Low inflation estimated for 2016

Economists expect that consumer prices will fall to the low or middle range of the central
banks target this year thanks to the oil price slump, manageable food prices and a stable
rupiah.
Economists contacted by The Jakarta Post forecast a range of 3.5 to 4.5 percent for the annual
headline inflation rate, well within the central banks 3 to 5 percent target range. Low
inflation is expected to boost peoples purchasing power amid a domestic economic
slowdown.
Bank Indonesia (BI) tries to estimate inflation as part of its policy to stabilize the rupiah. It
has cut the nations benchmark rate by 50 basis points in two policy meetings this year, and
many have said that subdued inflation provides room for further rate cuts to stoke growth in
the countrys slowing economy.
The Central Statistics Agency (BPS) reported Tuesday that Indonesia saw 0.09 percent
deflation in February, bringing the year-to-date inflation rate to 0.42 percent and year-on-year
figure to 4.42 percent.
Bank Mandiri economist Andry Asmoro said that full-year inflation would most likely orbit
around the low range of 4.2 percent to 4.5 percent, also below the 4.7 percent forecast set by
the government within the 2016 state budget, backed by price cuts in several components
such as food and energy, both of which make up a significant portion in the overall inflation
rate.
The government seems to be doing quite well now in distributing food. Distribution, as you
know, is key for controlling prices in Indonesia, Andry added. Food materials make up for
the biggest contributor to inflation, BPS data shows.
According to last years statistics, the list of contributors to inflation was dominated by food
materials such as rice, shallots, broiler chicken, fresh fish and garlic.
Their prices have been known to skyrocket at times due to insufficient domestic supply,
forcing the government to import those materials.
In January, for instance, imports of cereal jumped 35.2 percent on a monthly basis and 86.3
percent on annual basis.

Kenta Institute economist Eric Sugandi attributed imports as the reason behind falling food
prices, which in February posted 0.58 percent deflation month-to-month.
If the government maintains the availability of food supplies, we will see full-year inflation
stable, even lower than currently estimated, Eric said, setting his own forecast at 3.5 percent
to 4 percent for 2016.
In terms of energy, both economists said that the recent fuel and electricity price cuts had led
to quite significant deflation for the past two months against the backdrop of falling global oil
prices.
State electricity company Perusahaan Listrik Negara (PLN) and state-run oil and gas firm PT
Pertamina announced Tuesday that they would cut down prices further because of the stable
exchange rate and low global oil prices.
I suspect energy prices will remain low throughout the year because no significant uptick
will be seen in global oil prices in the near future, said Eric.
Bank Central Asia (BCA) chief economist David Sumual said that inflation should remain
subdued as the country entered rice harvest months, especially as oil prices remained weak
and the rupiah stayed stable.
However, higher inflation is expected in March, when infrastructure projects will start to
create multiplier effects across various economic sectors, said BPS deputy head of
distribution and service statistics Sasmito Hadi Wibowo.
These projects can keep economic activity going and pump up peoples purchasing power,
he added.
http://www.thejakartapost.com/news/2016/03/02/low-inflation-estimated2016.html#sthash.EiO6SSg4.dpuf

BI sees Consumer Prices Falling in February

Bank Indonesia (BI) expects the consumer price index (CPI) to fall by around 0.13 percent in
the course of February due to decreasing food prices. Meanwhile, year-on-year inflation is
predicted to sit at 4.38 percent.
BI executive director Juda Agung said that according to the latest survey conducted by the
central bank, the expected monthly deflation in February was driven by lower prices of staple
commodities.
"Several goods that recorded steeply rising prices in January have [become cheaper] in
February. The decline in electricity prices has also taken effect. If rice stocks are under
control, March inflation will hopefully be benign as well," he said in Jakarta on Friday.
Juda explained that February usually saw relatively low inflation due to seasonal factors.
Assuming that there were no policies affecting public goods such, as fuel price changes, the
first quarter of the year would typically score relatively low inflation.
Despite the late rice-planting season from March to April, he assumed that inflation could be
maintained at moderate levels, as long as rice stocks were under control. "So, we must be
concerned about the stock issue," Juda said.
He further explained that the central bank projected full-year inflation to fall to 4 percent in
2016, driven by the plunge in oil prices to US$37 per barrel. The fuel price adjustment would
help keep inflation at a low level.
"If fuel prices are adjusted or if there is an adjustment in transportation tariffs, core inflation
and volatile food inflation will surely be affected," he explained, adding that the new estimate
was lower than the 4.7 percent inflation assumption in the 2016 state budget. (ags)
http://www.thejakartapost.com/news/2016/02/27/bi-sees-consumer-prices-fallingfebruary.html#sthash.DgJDyBlz.dpuf