Friday, April 10, 2009

Reform the bureaucracy effect: Ministry of Finance increased allowances Rp4, 3 trillion

JAKARTA: The Ministry of Finance officials from 1 July 2007 receive a special allowance of the increase in financial state (TKPKN) that the value is varied, ranging from Rp1.330.000 per month for the lowest up to Rp46, 95 million per month for a particular echelon.
"The cost required to achieve the estimated TKPKN this Rp4, 3 trillion per year," said an official Ministry of Finance to Business last week.
Director General and officials of echelon TKPKN receive between Rp32, Rp46 to 54, 95 million per month, depending on the grade the work disandangnya. There is a whole grade in the Ministry of Finance 27, organized according to al work load, risk, and levels of competency.
Specifically for employees and officials of Directorate General of Taxes placed in the modern office, in addition to obtaining TKPKN, they also get the benefits of additional (TKT), which vary in value depending on the grade-not-as well as additional special allowance for the energy account representative.
Users about the policy reform that titled bureaucracy is organized through the Ministry of Finance Decree No. 289/KMK.01/2007 and 290/KMK.01/2007 the diteken Sri Mulyani Indrawati at the end of the month.
The Special Benefits of State Finance (TKPKN)
No. Sort TKPKN Grade
1. 27 46,950,000
2. 26 41,550,000
3. 25 36,770,000
4. 24 32,540,000
5. 23 24,100,000
6. 22 21,330,000
7. 21 18,880,000
8. 20 16,700,000
9. 19 12,370,000
10. 18 10,760,000
11. 17 9,360,000
12. 16 6,930,000
13. 15 6,030,000
14. 14 5,240,000
15. 13 4,370,000
16. 12 3,800,000
17. 11 3,450,000
18. 10 3,140,000
19. 9 2,850,000
20. 8 2,590,000
21. 7 2,360,000
22. 6 2,140,000
23. 5 1,950,000
24. 4 1,770,000
25. 3 1,610,000
26. 2 1,460,000
27. 1 1,330,000
Source: Kepmenkeu No. 289/KMK.01/02007
Starting from the Ministry of Finance
Secretary General of Ministry of Finance Mulia P. Nasution explained on the first phase, reform the bureaucracy at the Ministry of Finance applied. The reason, said Mulia, this institution is considered most vulnerable, but the ministry is very much needed by society.
After that, he said, institutions such as the Supreme Court, Constitutional Court, and the Board of Finance Pemeriksa follow. The problem, Ministry of Finance can not be sure when they are ready for the three state institutions that are outside the executive authority.
Mulia explain if the system users between civil servants and private sector are still too njomplang (not balanced), it was difficult to get adequate quality of service.
"We will see after two weeks running. I believe that public service has changed, much better, because all it is set based on the SOP [standard operating procedures]," he said, to the business last night. Opportunity in the Secretary General of the two staff of experts accompanied the Minister of Finance and Abdurrachman Eddy Marwanto
Finance Minister Sri Mulyani Indrawati before attending meetings in the House of Representatives menyempatkan self join. However, he was reluctant to give statements about the reform of the bureaucracy. "Tomorrow night it [tonight] You participate in a meeting with the Editor's Club," he said before the slide to Senayan.
Touching the size of the allowance for the Ministry of Finance officials, Mulia stated before, the small rate of this allowance should be made to reject the measure that kind of profession and best practice that apply in general. "Moreover, if we want to attract the best people to work in the public sector," he said.
Why not be done simultaneously for all departments? "During this repair the system settings or remuneration made simultaneously. Bebannya too heavy for the state budget, but for the recipient is not significant. ... The 10% increase, so does not solve the problem. The lack of incentives is always a reason not to do work such as provisions . It's like having a speech impediment and chicken, "he said.
However Mulia how reluctant the nominal akan who received the Ministry of Finance officials. "That the Minister of Finance the power to deliver. Menkeu Tomorrow [today] will give an explanation."
About the budget needed to finance these benefits, Mulia said that number is still calculated by persisnya Directorate General of Budget Achmad Rochyadi.
When Business menyodorkan list TKPKN and grade which is the attachment Kepmenkeu and ask for confirmation of data, Mulia would not comment. Eddy and Marwanto check in the table are also reluctant to comments. "In its own internal numbers TKPKN not outstanding, is still in the bureau personnel," said Mulia.
When asked whether President Business know about the plans of reform the bureaucracy and the value of this allowance, the Minister of Mulia as president to report on each step taken. "Milestone it certainly has been reported," he said.
About the legal basis to increase the allowance, the basic legal Mulia is Presidential Decree No.15/1971, which was also used as the basis for a special allowance to the Ministry of Finance officials nine times.
Eddy Abdurachman explain remuneration of each officer can not be determined based on the performance of each. "Just as in the private sector, the salaries of the staff and the other one is also not necessarily the same, although the same occupation," he said. (parwito@bisnis.co.id)
By Parwito
Bisnis Indonesia

Strengthening the Sharing System Bank Syariah

By: Ach. Bakhrul Muchtasib

Rapid growth of sharia banking in Indonesia, not dibarengi by the understanding and knowledge of the sharia banking operational system. Although Sharia bank growing every year, but be of the Indonesian people still do not know what and how Sharia bank runs its business activities. Generally, people still thought that the bank is not sharia ubahnya such as conventional bank that is only labeled sharia only.

Products offered by Sharia bank, according to them, are just products of conventional banks is enhanced with the implementation of contract-contract relating to the sharia. So this is exactly bring the community members said that sharia just lipstick in sharia banking.

This very day is by their basic characteristics melandasi sharia banking system operational, the system for results. Because the system for the results in practice, the system still resembles the conventional interest rate for banks. Similarly, the distribution of funds bank syariah a greater focus on financing murabahah, based on the profit margin, is regarded by the community is just a way polesan from the conventional interest rate on the bank.

In practice the margin is done by sharia banking as the interest of conventional banks. This very day also caused by the payment system is a credit. Ways such as this that cause people melekatnya belief that Sharia bank as conventional banks in general.

Opinion that the bank sharia bank with the conventional, not only on the general public, but also on their intellectual people. According to their still very difficult to distinguish between the results, bank interest margins and conventional. Even if only on the level can only theory, practice, are still visible rancu to distinguish the results, and margin interest.

Although the theoretical results with the system for akad mudharabah and musyarakah very good, but going to the syariah banking financing pattern is not a barometer Sharia bank, so the comparison is quite small when compared with the financing with a fixed income. This is due to the demands that must be met by the banks that follow the sharia commercial bank structure. For commercial banks are required to distribute the income or return regularly for third-party funds in each month. So that the basis of fixed income tends to be a choice for Sharia bank.

Of the conditions that occur in society and also on the bank syariah, required of all elements, both individuals and institutions concerned with economic and financial development of sharia, to introduce more in all sections of the community are ongoing and continuous. Besides, from the finance and business to prepare for the sharia system, network and management of the bank based on sharia professionalism.

How the system so that the results into the operational characteristics of syariah bank, of course many things that must be addressed and prepared, in addition to improvements to the system, network and management, prepare human resources that understand and understand the economic and financial Sharia, both theory and practice, is a fundamental condition for Sharia bank to be prepared.

According Hanawijaya, to support the target market share 5% at the end of 2008, required a network of sharia bank office 2289 office. The existence of sharia banks at the end of 2006 as many as 630 offices, so Sharia bank must increase the number of the office of office 1659. This is based on the assumption that the average asset bank syariah perkantor reaching Rp. 40 billion. The implication is needed 41,475 additional human resources in a period of 2 years, with the assumption 1 branch requires 25 personnel.

If the average assets per bank office sharia can be improved up to 50% of average assets per bank office conventional, or Rp. 95 billion, the number of offices required to support the achievement of the target market share is 5% office 964, or an increase of 334 offices. The implication is the number of human resources is needed as much as 8,350 personnel, which must be fulfilled within 2 years.

The need for human resources to support the development of sharia banking, not only on those who work and run the operational bank syariah. However, resources also need to be prepared are those who directly or indirectly interact with the bank syariah. According Didin Hafidhuddin, there are five components of human resources that need to be, the owners of capital, business, bankers, policy makers and the instructor. They will be inter-related between each other in order to progress the creation of sharia banking.

In addition to human resources needs of a fairly urgent, it would need in each bank syariah formed a consumer protection agency, the bank made as sharia, the first bank to facilitate the facilitator and the client to provide explanation of the products Sharia bank, and. The two mediators, it is necessary in case of error or dissatisfaction between the respective parties, consumer protection agencies can memediasi between them, so there is no dispute that will be detrimental for both parties. Eksekutor Third, the function of this consumer protection agencies are given full authority to settle all problems that are associated with the customer and the bank syariah. Basically this is a form of institutional support should be given by the Sharia bank management and employees to customers.

Contemplate the Future Syariah Banking

By: KH. Ma'ruf Amin
(Chairman of the Board of Executive DSN-MUI)

There is a form of sharia banks struggle of Indonesian Islamic thought in the economy (fikrah iqtishadiyyah) who want the keuang-an institution that operates in accordance with Islamic sharia. Reality shows that the current world economic system dominated by economic thinking jahiliah (fikrah al-iqtishadiyyah al-jahiliah), which is based on the system ribawi. With the practice of sharia in the form of economic institutions, such as that being run by Sharia bank at this time, not in order to restore (ruju 'wal' audah) the economic order of fikrah al-iqtishadiyah ar-ribawiyah to fikrah al-iqtishadiyyah al-islamiah ( Islamic economic thought). Because, according to Imam al-Jashshas, iqtishadiah system ar-ribawiyah has been canceled and forbidden by Allah since the advent of Islam.
In this case, the role of the Indonesian Ulama Council (MUI) can not been more. MUI vessel scholars as Indonesia, have had a role in the birth mengarsiteki sharia bank in Indonesia. As a moral responsibility, MUI akan always precede the sharia banking in Indonesia. Under guard as this form of ad-dien hifdz, namely the defense of misuse of religious practice. In this case, the need to restrict the fence so that the road is still in the corridor sharia. Here, the fatwa issued by the Syariah Council of the National Assembly-Ulama Indonesia (DSN-MUI), as a beacon in the beacon-to guide operations of financial institutions sharia (LKS), especially in the sharia banking industry. Fatwa-Fatwa issued by the DSN-MUI, will be absorbed by the next policy (regulator), such as Bank Indonesia (BI) for the sharia banking industry, the Ministry of Finance for the insurance industry and pawnshops sharia, Bapepam LK for the capital market and mutual funds sharia, and the Ministry of Cooperatives and SMEs for the Cooperative Financial Services Sharia (KJKS). In addition, the existence of the practice under guard sharia banking in Indonesia, represented through the Board of Supervisors Sharia (DPS) is in each bank syariah.
Currently, the existence of sharia banking are still young (shaghir). Age is still a dozen years. If there are people who compare the age of conventional banks, such comparison is not balanced. Because, in terms of age, the conventional banks have long known by the Indonesian people. So reasonable, if more people to deal with conventional banks. From here, there is need to work hard to mendakwahkan Sharia bank to the public. Dakwah including this part of the education (Tarbiyah) to the community to recognize and join in battle (shaf) of those who practice Sharia economy.
If dibandingakan with what is done by the Prophet Muhammad Saw, mendakwahkan in the Islamic community to Makkah at the beginning of Islam, the sharia banking sosialiasasi to the public at this time, indeed much easier. Because, at this time already available media propaganda and media socialization variatif and more comprehensive. However, there are fundamental differences that have not been found in the process of sharia banking mendakwahkan, the touch of a world not yet been found, such as that run in the propaganda of the Prophet Muhammad Saw. Propaganda methods used in the Prophet Muhammad Saw disseminating Islamic community to terms with the power of God. Call-called by the Prophet Muhammad Saw bil presented with the wisdom, the teachings of Islam so that it can be rahmatan lil 'alamin.
Bercermin with the propaganda methods used by the Prophet Muhammad Saw, does not have one if we, the parties want the sharia banking industry as rahmatan lil 'alamin, the propaganda methods of the Prophet Muhammad Saw as a reference (marja') in the process of socialization to sharia banking middle middle of the community. I believe that socialization to sharia banking community can be run like what I have done the Prophet Muhammad Saw, for that sharia banking is part of the teachings of Islam itself. If we realize this is by Muslims of Indonesia, mendakwahkan that sharia banking is part of the practice Islamic teachings, insyaallah this responsibility not only dipikul by MUI, BI Sharia Banking Directorate, Center for Communication Economics Sharia (PKES), but the responsibility of the (mas 'uliyah) of Muslims, to participate mendakwahkan sharia banking community to another.
At this time, felt all right, if the mosque as a strength of Muslims in Indonesia. Or mosque built a musholla (or suraus Langgar) is a gathering place where Muslims, either for worship or other social events. Moreover, every Friday, Muslims men, carrying prayer jum'atan charged, as an obligation. Thousands of the mosque and built a musholla of Sabang in Aceh and Merauke in Papua, it can be used as a medium for propaganda mensosialisasi-kan sharia banking. In addition, millions of Muslims gather every Friday is a media propaganda to deliver an efficient propaganda message on sharia banking.
On the other hand, the socialization of sharia banking can be done through educational institutions that already exist, namely with the lesson materials to introduce sharia banking as part of the local. Both educational institutions managed by the Ministry of Religious Affairs or the Ministry of Education. Or institution affiliated to one of the Islamic organizations, such as Nahdhatul Ulama, Muhammadiyah, Persis, Mathla'ul Anwar, Jam'iyat Khair, etc.. This will provide stock for the young generation to understand sharia banking in the future. This generation is expected to hold the relay rod of sharia banking in the future.
In addition, we realize there are many challenges faced in the development of sharia banks. This reality (al-waqi'iyah) need to disikapi with full wisdom. Important issues, related to the existence mendakwahkan syariah banking located on several factors, including (i) the need to increase the propaganda and education to the community, (ii) the need for additional funds in propaganda activities, and (iii) the need for institutional synergies.
During this time, disseminating propaganda sharia banking is often conducted by several non-profit institutions, such as the Center for Communication Economics Sharia (PKES). Although, there is an impression what the PKES still considered alone (munfaridan). Like in (ghozwah), PKES alone to combat attacks from the conventional. Therefore, in future we need to support the activities for which this is done by PKES. On the other hand, the exposition area dakwah very wide, from Sabang to Merauke, it is still not affordable to all. Still requires a great effort to sharia banking mendakwahkan to entire Indonesia.
In addition, in the process of disseminating propaganda sharia banking, still requires ammunition that is not small. Whether, in the form of labor or funds. Thus, the necessary synergies to accelerate development of the institutional sharia bank in Indonesia. Finally, I hope we endeavor to become a record bounty of worship in the sight of Allah Azza Wa Jalla. Wallahu 'natural showab bus.

Sand death

Episode 1
Sand death
First part
Si Khabir

The sun was slanting to the west. After suffering from the unbearable heat during the day, I berbaringlah in the shadow camel headlong me, not far from the wells.

Colleagues I travel, especially those upahannya gather around the water is brackish flagitious the bubble out. They listen bualan chaddam (servant) I Kamil. I can capture for word that diucapkannya, and is tickled to hear him make a supreme effort to make much of a variety of my good nature.
"Is not the master, who called Abram Ben Sakir, the rich?" tanyanya to the merchant's Mursuk, who sat beside him.
"How many masters to pay the people who work on the master in this way seharinya?"
"Two hundred Kauris," it is asked, "do not cukupkah?"
"For people sekaya master, enough! But Sihdi (master) I many times wealthier than the master. Nemsi name is Ben and Kara oase-oase in his country there are 1000 horses, 5000 head onta, 10,000 goats and 20,000 sheep tails hers . I diberinya every day one Abu Noqtah (literal meaning: Father drip, currency Maria Theresia), so I will be more rich than the master, if I go back to duar (village camp) I. Apalah means master, he was compared with the "
Bohong loudmouth is unbelievable! Wages mingguannya called daily wage. Answer traders that really is rich:
"Allah, Allah, and take, not all people can kayanya same."
"Indeed so," said Kamil, and because I Sihdi golden child of God, which is very much to him. Tuan not know how masyhurnya name of Kara Ben Nemsi in the world? He was master of all languages in the world, which is fifty-four thousand units. He can call and identify all animals and plants that eighty thousand in number. He can cure the disease that thousands of tenth in the world, he can shoot down a lion with only a bullet. His mother, a woman who no tercantik the world, the mother of all his father is a good place, and third in his father's concubine puluh abiding and very debonair and harumnya such as flowers in the garden Firdaus. He has overcome all the forces of the heroes; if the voice sounds, bergemetarlah panther, and presumably would have reaver Tuareg attack us-we now have happened in their area, he akan mengusirnya with a small gun, which therein. Look! Do not see the master, that he had two shoots gun, one small and one large? With a large-leburkan he menghancur a Khala (fortress) and with a small shoot it a hundred thousand times, without each time you need to fill. Therefore senjatanya called Bundukije et Tikrar (rifle re-repertir). I almost expect to see brock-brock that came here, the new master can ...."
"By Allah, do not talk so!" Schech el Dschemali interrupt (lead karafan). "Do not call-manggil challenging the hijacker and the murderer, who knows, if the intention Schaïtan (Satan) arise, he will bring them here and we Woe!"
"Woe? Sihdi While I have here and I have near the master?"
Perhaps he will continue to be the berceritera if Schech el Dschemali does not refer to the sun and said:
"Kawan-kawan, the sun has set on the horizon. It is time for prayer came west. Eminency Praise God!"
All stood to rise, plunge their hands into the water, and then kneel and, with the direction to Mecca, and ritual prayer performed under Schech.
Sayapun knees, while the prayer of Christians. Previously, I was put on the line to claim them before that I joined a Christian, and they do not reject us.
After the prayer ceremony is finished and we rise up. Appear to us by a berunta, which comes from the north. Hedschihn (camel mount) is more beautiful fast runner, and persenjataannya rifle consists of Arabs sepucuk long and two blade knife, the second circle digantungkan on hand. How to carry a knife like that is very dangerous for the opponent. Both lengannya dipelukkannya and musuhnya ditusuk from the back:
"Sallam!" he said, and we Arriving at the jump down from the camel, camel without melututkan first, "allow me to drink Hedschihn told me here and I remind all-tuan tuan akan dangerous people who will be encountered in the master master."
He berselubung burnus (headgear) long and white, and from the close of his head that stick out the black hair and a thick diminyaki. Large and stout body, oval face with high cheek bones, pug nose, small eyes, rounded and berdagu. If only he was wearing litham (cloth mask to the eye), I believe, that he was Targi (singular form of the Tuareg).

Episode 2
Sand death
"Welcome," answered Schech old. Animals kenaikkannya walk alone to the source for drinking. "But who do you mean those dangerous in our journey?"
"People Imoscharh," answered.
The Tuareg call themselves with that name. The people they call Arabs Tuareg.
"The people you Tuareg? Some people who go to the us?"
"Not only some people, the number of prajuritnya very much in the Oase Seghedem."
"God, tonight we will go to that place!"
"It is not wise! I am a member of a karafan consisting of eighty camels and tails thirty people surrounding. We come from the Beer Ishaya and not in the least remember akan danger. But, we just arrived in Seghedem, we are suddenly attacked by the Imoscharh people. We defend ourselves with a vengeance... sayalah the only one who escaped from the slaughter. "
"He waili!" - Exclamation Schech surprised. "Syaitanlah, which encourage dogs travel to us. They will stay in Seghedem and we will go to trap them. What should we do? We are here, at Bir (well) Ikbar until they were gone, the water is not can be drunk people, and not nearly enough to provide drinking animal spotting our day again? "
With feelings of despair to fly it around to his view. Ben Abram Sakir face gaunt and tanyanya:
"No we can avoid Oase Seghedem?"
"Can not." Schech responsibility. To the east is not possible, because the next nearest source is located three days journey from here, in the area Tibbu. To the west we will arrive in the mountains Magarat ess Ssuchur (Coral cave-cave), which is the way I do not know. "
"But I know that road!" word of the new coming.
"You know?" tanya Schech-cengang aback. "You are of course a Khabir (Leader) who will know more streets than I am, that duakali older than you."
"It is a Khabir me, and also younger than you. But this does not prove anything. I know this area will be, because I often go to that place. I was a pilot who karafan attacked by people Imoscharh, and thanks to my knowledge about the desert, I can escape. I Beni Riah soldiers and my name Ibn anger. "
Arab Beni Riah stay right in the Fezzan, but that this person is a member, I quite untrue, because he is not Arab. Is not he always mentions Imoscharh with the Tuareg, who never so called by an Arab beni Riah? Schech but apparently others think, because he said:
"I know that people know Beni Riah akan correct way of Mursuk to Bilma and I believe, that the master went to Magarat ess Ssuchur. So you know akan Hill-hill-cave Coral Cave? And you may take the road that we do not have the Oase Seghedem and can draw away from the Tuareg? "
"Yes! It is easier to estimate than you. If we go from here in the great turn-out area oase, the danger that we leave on the right side of us, and we arrived safely at the source Ishaya. I would like to become a pilot and you maybe I can, that the others agreed. "
"Agree! Please sit down and be our guests, let us eat first and then we leave."
"I am willing to be pilot and your guests, but also say to me, who are under you."
"It is sure you must know. First of all here is that Ben Abram Sakir, tradesman's Mursuk, all those hired and the camel had hers. I had to deliver him from Bilma to Mursuk. There is no two foreigners, who confederate with us. The name of a Hadschi Kara Ben Nemsi from Western countries and other Kamil Ben Sufakah, pelayannya. "
Khabir that regard and we tanyanya proud to Kamil with:
"Your name Kamil Sufakah Ben? Halamanmu Where is the village?"
"I am a member of the Beni Dscherar from Ferkah (district) Ischelli," it is asked.
"And as a Muslim, you become a servant giaur (not faith)? Initiative Moga-thou cursed God and go to dschehennah (Hell)!"
He meludahi Kamil, who with peaceful membiarkannya, because keberaniannya only until ... in the mouth. Indeed, he was unmanly. The only one who dares to do is ask me with the voice of blame:
"Sihdi, lord willing let me be insulted, I, a loyal servant to his master, who called the big heroes, two of the gun shoots?"
"Heroes great?" Khabir said rail. "What may be a giaur a hero? Soon I will show me how to treat the dog."

Episode 3
Sand death
It was about me, but tongue-tied on the distance of three steps from me, I like ditatapnya challenging and tanyanya "
"You think I want mengantarmu to Mursuk?"
"No!"
"No?" his voice sounds very surprised akan certainty that I specify. "Terkaanmu correct! Khabir will not provide a service to the heathen."
"You misunderstand. Meaning I do not like you tafsirkan. Purpose I want to say that I do not believe you will bring us to Mursuk."
"Maschallah! What akan obscure for me to beat you down on the ground is a slur that you say?"
"Do not to be ridiculed! A Targi like you can not overthrow me."
Boxing diangkatnya to have a go at me, suddenly diturunkannya again and he said:
"What katamu, I am a Targi, a soldier Imoscharh! From which that knowledge?"
"I have no obligation to you menerangkannya. But why you do not want you to pursue Bilma than return to the Mursuk? Why do not you come back soon when karafan master disergap in Oase Seghedem, but requires first came here a day trip away?"
"Because ... because ...., because ....."
He was in doubt. My questions pikirannya road and make some new moment and then he can continue:
"For the Imoscharh have cut my way home."
"This is not yet a reason to run all day. I do not believe all akan ceritamu. I know here and there have Tuareg people, but in Seghedem may not have. I believe more akan akan that you bring us to them. You is mirsal (messenger) for them, gasuhs (detective) them, which will submit to us in their hands. Maybe now that they have around the cave-cave Coral, for you will bring us there. "
The sound of my words in such a course, so he glued some time keheran-heranan, but then he meletuslah:
"He is God! Poor teaching very! Gasuhs I called, as a gasuhs reply by budi because I want to save these people! Dogs giaur, baunya such as the fuselage, all kinds of interesting worm! I'll ...."
"Silence!" I interrupt. "Close the mouth! Until now I stay calm receive hinaanmu-mortification, and I will remain calm. But if you dare say a few words more just such a, you, I akan tenangkan. Compared with me, you, a dirty mouth, that dastardly!"
"Dirty mouth?" exclaim him with geramnya. "This is the wages! Accept this second knife, dog!"
I diterpanya with both lengannya the open, to dirangkulkannya that can both pisaunya thrust into my back. But I fight again more quickly, I layangkan down dagunya, so that he fell tertelentang on the sand. A glance and then she managed to rise again and bring to bear senapannya to me, but when he wanted pelatuknya interesting, I reach him, and I rebut the weapon from his hands. My back two steps, larasnya I go to him and call me:
"Beware, only the one step forward, riwayatmu akan spent with pelurumu own! Return and ask your mother the other toys, that's right for you more than this gun!"
I tembakkan pelurunya, and I pukulkan gagangnya on the ground broken up. Extraordinarily angry Khabir it. With the cry of the more violent I diserangnya. He does not see that one of my legs up. I tendang him in the stomach and he tergulinglah. I tindihi him with both my knee and my second pelipisnya boxing, so menenangkannya, as I promised him. He is not slightly more. Now Schech anger is directed to me.
"What have master do?" bentaknya. "We have received the master and the master to come with us, and as a reply to budi, lord kill the person who will save us!"
"Not saving, but upon master is! Besides he is only unconscious, check it!"
He Khabir kneel beside it and in fact he does not die, but not in the least geramnya reduced. While he stood to rise,
"Indeed, he does not die, but the master had beat him and destroyed according to law and bedilnya wilderness, the blood balasnya master. We had to try akan akan master."
"The good lord punish him. I consider him a Targi intend upon the master. What if the master does not believe tomorrow will be clear already, I correct that impression. I do not worry I will speculate, and I do not fear the decision will be master! Who akan clog my camel jump over me, if I want? Tuan with his friends master only twelve people. tabangat In the second (pestol) this small, two-time six-shot, so enough with the second weapon to chase away this little master , without using my gun. According to the allegations, and my vision, only the masters that I memusuhi. Not Ben Abram Sakir may contain the intention of life and goods, the goods brought to the camel-camel Tuareg people, and the people upahannya akan concur with him. "

Episode 4
Sand death
"Words master, though how pandainyapun spoken, will not be able to change inflicted master! Come on, let's take Khabir to this source, we basahi face with water so that life again!"
He was taken away and while I was not considering them again. Sit next to me and my camel ready to face all possibilities with the one I pestol. Kamil was involved with a group. She wanted to know how the results of their efforts. In the dark which includes our right, gestures of each person in the group that almost did not appear, but apparently Khabir soon come around and mengerumuninya while they deliberate. Two of them stand a bit sideways and whisper-bisik each other.
Kamil is in fact, speak with the merchant and then as I hear, told him that I was more tactful than others, and that he better accept the advice of my counsel, the advice of others. If I mengganggap Khabir the Tuareg, no longer in doubt, he certainly Tuareg.
Words well received, because Abram Sakir Ben came to me and while he said,
"Sihdi, master servant told me that I need to hear the master and not Schech el Dschemali. Betulkah the person is a detective and a brigand?"
"Yes, I have for various reasons the master toh akan not understand, although all of them tell me to master. I just want to say to the master, that not only this once I have the ice Sahar (the Sahara) and are now times with those kind of him. iota no intention in my heart to participate in the cave to cave-made Coral submitted to Turaeg in hand. "
"God, wallah, tallah! What will I do? I have the desire to obey and command Schech el Dschemali and the people hired me more than he believes akan word master. I will come and I must accept to come with the Khabir . Sihdi be so good lord meet me just one wish? not abandoned me when I had to participate in Bukit Karang. "
"Tuan is no need to ask for help me. The statement is a need to master, that master does not want to get there, but to Seghedem."
"But I will lose sound. Those are not my servant, I rent them for the trip, and the master may also know that according to custom in the wilderness, in danger feudatory same strong voice with the voice of the ordinary rule. So do not I left. "
"I think akan-first mindset."
"Okay, think-think, and say first and then decide what the master has taken. Biar Khabir master suspected that even though, I still believe him, because I can not be a devout Muslim, the religion akan akan belie his promise."
"But I can prove that he was not a devout Muslim who akan religion. At the time the sun sinking in the ocean sand horizon our prayers, but that does not Khabir. During the prayer he is in the west travel, not down from Dschemel (camel) for its bertelut, not when he arrived, we just completed our prayers. Those who neglect to pray, can not be regarded as a vassal of the Prophet who believe, and such people will not hesitate renegade. Tuan believe? "
"Sihdi, master more discerning and more wise than me!"
"And why he does not participate in combat, when karafannya, according to the story, disergap? Why is he quiet-quiet sitting on the edge of water talk with me while keberaniannya length does not have to act with the firm? When angry burst before he attacked me, but now after the blow, hilanglah nafsunya to release dendamnya to me. He knew that for him more easily and is not dangerous for him if we follow him to the cave-cave Coral. disergap We will be there and if we have thralled, he can kill me, without endangering themselves. pikirannya That is the way and therefore I left. perceptivity also! "
"If I listen to the description master, Sihdi, confidence would not arise, that the master is in the right side. It is very wise for the third time I apply, be so good lord protect me."
"When I received the application master, I worry that I need protection! By applying this master encourage me into danger for the sake of masters...."
Here the conversation disela by the sound of my voice loud Schech el Dschemali the cry:
"Let us do ISYA prayer, for the day is dark and light last lenyaplah already."
After berwudu, bertelutlah all, berkiblat direction to Mekka and the doanya the Schech.

Episode 5
Sand death
Second Section
Go Magarat ess Ssuchur
After the prayer Schech el Dschemali rise up and ordered all the people hired ship camel-camel, because we will leave.
"And where?", A tradesman.
"It is sure to cave-cave Coral!", Sounds answered.
"Do not we better go directly to Oase Seghedem?"
"Tuan said that because Kara Ben Nemsi want to go there?"
"Indeed, indeed!"
"If more master trust him, follow him, no one will forbid master. We better take the road that wander, through the cave-cave of Coral submit to our fate dimwit."
"All people should be hired me to come with me."
"Must? They were not slaves, but the master was free and I will promise to obey my rules. We will hold an election and will see the master himself, Shall they come with people and their foreign masters, or is subject to budinya intellect."
Poll has been conducted and that all are willing to follow Khabir, unless the merchant, I and my servant. Ben Abram Sakir about me to apologize and ask for the fourth time that he is not left.
Recently he went from me, I hear the sound of tumult, which comes from the west. The cause is in fact a number of camel feet and immediately we see a group of people berunta about us. The longer the day the dark. Appear to us by their presence, because they cried out loud-loud to us:
"Wakkif-stop! Already have a human source in it. Prepare your gun!"
Schech el Dschemali cried,
"Come in peace. We are not soldiers or hijacker. Come here. Eliminate opposition masters animals and animal-master here with the cool water!"
"Tuan is kafillah?"
"Yes!"
"From where and which want to?"
"From Bilma to Mursuk."
"How many masters entirely?"
"Four people remorse."
"Let us come to it, and when we cheat master, master into tanggungannya lives."
Slowly they go to our place. People who are talking interpreter running a few steps more to the face, eyes and looked to fly and cried to his friends,
"True, there are only fourteen people, we need not worry. Come hither!"
Arabic language it uses, but logatnya remind me to a Tedetu (the form of a single Tibbu). Once they come down from their camels, I calculated the amount, just twenty people. Apparently they brought a woman, because in the back one is a camel a Tachtirwan (stretcher for women), made from bamboo and decorated with ribbon-band and tassel, tassel. At night it seems like events in the tale.
Apparently the new caravan was coming, burly men who are ready to battle, because people place such a way to always have them in place, which benefits when we held as enemy. Persenjataannya consists of sepucuk long rifle, two shoots spear, sword and sebilah may also shoot some pestol. I can not see clearly what is brought in sabuknya. Schech el Dschemali welcomed him with the salam and said, "You see, that you need not worry us and we're sorry, we want to know with whom we dealt."
Answer that with the lofty asked, "We Tibbu tribe Reschade people and want to go to Abo."
"Tribal Reschade? If you are so great enemies of the Tuareg people Asben!"
"Ya big enemy. God cursed them."
"And you come from the west, where they live!"
"While we come from there."
"Then of course you all those burly dare enter the enemy territory with a large number of small groups."

Episode 6
Sand death
Sounds exciting that it came from Tachtirwan shut their mouth. Only three or four broken words used, who can not catch my meaning. Apparently, such as Berber language, and because I only know akan Beni-Mezab Berber, guess my words are in the Tuareg language. Very surprisingly, just the words spoken, immediately Khabir I suspect a few steps and bring about Tachtirwan questions, which I also do not understand. From behind the curtains answered by the voice of women, may also vote a small child. But leaders Tibbu up in that place. Ditariknya Khabir on lengannya and angry, exclaim him:
"What you need is here, where I bent omm? Tuan did not know that it is prohibited? Go from here!"
Omm bent means mother and daughter a name that is used to call the wife, as indeed the name of the area is not spoken. Khabir silent glance, it seems that the impetuous move small. In the dark, face does not seem obvious, but a glance and then answered quietly contrived, because still seem angry voice:
"Omm bent? Bukankan sound a son?"
"Not a boy, and if indeed true, you, he's memanggilmu? Who is this you?"
"My name is Omar Ibn anger and Khabir kaffilah this!"
"From what tribe?"
"Beni Riah. And because I Khabir, so orng hired this caravan, I think I can provide services to you and that is why I have to go to Tachtirwan!"
"So so. But we do not need the services jasamu. When will you leave?"
"We are put in order to leave?"
"Kamipun not want to take a long time here, because we intend as soon as possible arrived at Abo. Because the master-master all the good things, we can walk together to the oase, because there the same way."
"We will not go to Seghedem. Oase and the whole plain of the east facing master Tuareg have been occupied."
Apparently the Tedetu bit surprised, because he was a few steps back and exclaim him:
"Dogs Tuareg-dog! You know?" "Surely, I come from Seghedem. I used Khabir kafillah that they attacked me and the only person who can escape. Seghedem We want to avoid the sidetrack. We go to the west to reach the source Ishaya. We can not deviate to the east, because there people are Imoscharh swarm. "
Once again it does not take the Tuareg, but Imoscharh. The last sentence with the pressure very special eye-catching. Tibbu the road to the east. Why he warns that direction? Not at the beginning, he does not say that the Tuareg do not occupy the same area? That is possible to coax the Tibbu participate with us to Magarat ess Ssuchur? And indeed if so, whether the reason for this is encouraged? Get it seems to catch the meaning of the call out of the Tachtirwan? If so, he is certain people I suspect, people Targi. The longer, the more suspicious this Khabir me.
"You probably also know, entering the race where people who Tuareg masters percakapkan it?
"Nothing, I do not even understand the language that Imorscharh. But when they attack us, I heard the appeal two broken words. To be told that I make each of these attacks and called the name of the tribe leaders: Kelowi and Rhagatta!"
"Allah, Allah! True! Rhagata name Amghar (Scheik Main) Kelowi-Tuareg people in the east, and I know for certain, they are under the leadership roam. Grateful to God I could meet with you, because even though we are not dastardly, we it would all be destroyed by the Tuareg. So the master would Magarat ess Ssuchur? difficult road. Tuan believe that we can reach the source Ishaya safely through the street? "
"I believe that in the way that we will not meet with people Targi."
"Then from Ishaya I can take the direction to the east to avoid the danger of. But before I make decisions, I would like to know the particulars with you better."
"I have you know. Kafillah this belongs to the merchant's name Murzuk Abram Ben Sakir. Those who have a camel on the philanderer good that disewanya. He is sitting there, the stranger with a new one yesterday pelayannya join them . giaur A, Kara Ben Nemsi name. "
"I'll check him briefly."

Episode 7
Sand death
It was about me, himself and contemplate a face me. I keep quiet and sit still. He returned again, spit, and he said:
"Face front men, but his heart dastardly heart, because he let me despise him. A lion let a wolf running in the back, because the look he was unduly low. Foreigners are also allowed to come with us, the running we do not precede, if he does not want me as a pedal worms under my foot.
Slur-slur that does not pay attention because I still have not the time to show me who he is. Start the Ben Sakir commanded Abram to continue loading the camel-camel. When this was done, he talk to Khabir, then come to me and said:
"Sihdi, Haussa language he understands and has been many times I said in that language."
"If so, it certainly a Targi."
"I almost do not believe it. Why are not known by the leaders Tibbu? He is considered as the big hero."
"Lord no one suspected. Si Tedetu feel this is happy, if they do not suspect people. "
"The master?"
"Footpad and hijacker. They are descendants of the enemy, but they each also ditakuti. "
"I do not understand."
"Lord do not need to understand. Mr toh can not make any changes. "
"Tuan akan also participate with us, even though the master must always walk behind us?"
"The who?"
"The people Tedetu."
"They are not entitled to rule me, I am an independent and will run at my heart!"
He went shake-shake of his head, I led my camel to the water, so that you can drink it up again. People who Tiddu there all aside as if I leprosy patients.
Loading goods with the sound of shrieking camels are deafening. Once the people are rising above their camels, bergeraklah is a follower for a camel to leave the place of the source. Accompaniment animal formed a line that long, because the ribbons tied on the tail of the other. Khabir once in front, behind Schech el Dschemali leaders Tedetu and then running alongside Tachtirwan. Behind those Tiddu, and finally Ben Abram Sakir, Murzuk tradesman, who tend kaffilahnya. I waited until they developed quite far and with Kamil and I slowly followed.

Tax Rate And How To Calculate VAT / PPnBM

1. How much VAT / PPnBM?
2. What is included DPP?
3. How do I calculate the VAT?


Tax Rate And How To Calculate VAT / PPnBM
How much VAT / PPnBM?
1. VAT rate is 10% (ten percent)
2. Rates PPn BM is bottom 10% (ten percent) and at the high 50% (fifty percent).
Group differences are based on the rate of the Barang Taxable (BKP), which are the top luxury consignment / import to its charged BKP PPn BM.
3. VAT rate / BM PPn top export BKP is 0% (zero percent).
[Back to Questions] [Info Number To Menu]
What is included DPP?
1. Selling price / replacement
Is the value of the form of money, including all costs that should be required or requested by the seller / buyer service delivery because BKP / Taxable Services (JKP), not including VAT / PPn BM and discounts listed in the Invoice Number.
2. Import value
Is the value of the form of money which is the basic calculation Bea Masuk plus other levies imposed under the provisions in laws and regulations for the Customs Import BKP, not including VAT / PPn BM.
3. Export Value
Is the value of the form of money, including at the cost required by the Exporters.
4. Other values
Is the value specified by the Minister of Finance that is used as the basis for calculating tax terutang.
Other value is set by the Minister of Finance Decree No.: 642/KMK.04/1994 on 29 December 1994:
a. For the self / the free BKP and / or JKP is the selling price or replacement, not including the gross profit
b. For delivery media sound or image recording is estimated selling price of the average;
c. To surrender the film is the story of the estimated average per film title;
d. BKP persedian for remaining at the time of liquidation the company is a fair market price;
e. Assets according to the original purpose is not for sale diperjual remaining at the time of liquidation the company is a fair market price;
f. For delivery service travel agency / parawisata is 10% (ten percent) of the amount billed or the amount that should be charged;
g. For package delivery service is 10% (ten percent) of the amount billed or the amount that should be billed.
h. Retail Traders for PKP (PE):
o VAT terutang which is 10% (ten percent) x price BKP.
o VAT which must be paid is equal to: 10% x20% x the number of all merchandise.
i. Services anjak receivables is 5% of the amount of compensation received by a service charge, provision, and discounts.
[Back to Questions] [Info Number To Menu]
How do I calculate the VAT?
VAT rate of terutang = x DPP
VAT is a tax that terutang Ex (PK) of free PKP by the seller and is the Number Input for PKP buyers.
Example:
1. PKP "A" in January 1996 to sell the cash PKP "B"
100 pairs sepatu@Rp.100.000, 00 = Rp.10.000.000, 00
VAT terutang loading by PKP "A"
10% x Rp.10.000.000, 00 = Rp. 1.000.000,00
The amount should be paid PKP "B" = Rp.11.000.000, 00
2. PKP "B" in January 1996:
o Selling 80 pairs sepatu@Rp.120.000, 00 = Rp. 9.600.000,00
o Use own 5 pairs of shoes for himself,
DPP is the selling price without the gross profit of Rp 100,000, - per pair = Rp 500,000.00
VAT is terutang:
o the sale of 80 pairs of shoes
10% x Rp.9.600.000, 00 = Rp 960,000.00
Top o pemakai own
10% x Rp.500.000, 00 = Rp 50,000.00
Number of VAT terutang = Rp 1,010,000.00
3. PKP Retail Traders (PE) "C" to sell
BKP at o = Rp.10.000.000, 00
o Not BKP = Rp. 5.000.000,00
Rp.15.000.000, 00
VAT is terutang
10% x Rp.10.000.000, 00 = Rp. 1.000.000,00
VAT to be paid
10% x 20% x Rp.15.000.000, 00 = Rp. 300.000,00
4. PKP "D" is the manufacturer of the clothes washing machine. Clothes washing machines are categorized as luxury BKP classified and charged with PPn BM rate of 20%. In January 1996 PKP "D" to sell 10 units to the washing machine PKP "E" for Rp.30.000.000, 00.
o VAT is terutang
10% x Rp.30.000.000, 00 = Rp 3,000,000.00
o PPn the BM terutang
20% x Rp. 30000000.000 = Rp 6,000,000.00
VAT and PPn BM terutang the PKP "D" = Rp. 9.000.000,00
5. PKP "E" in January 1996 to sell 10 units over the washing machine is worth Rp.40.000.000, 00
VAT is terutang
10% x Rp.40.000.000, 00 = Rp. 4.000.000,00
Note:
PKP "E" should not be allowed to PPn BM, PKP because "E" and not the manufacturer PPn BM worn only once.

Jadwal Puasa Sunnah Tahun 2009

Berikut Jadwal Puasa Tahun 2009 M :



1. Puasa tiap hari Senin dan Kamis



2. Puasa 3 (tiga) hari setiap bulan - ’shaumul biidh’ –



Yakni pada tanggal 13.14.15 - penanggalan Islam - (saat bulan purnama).

- 10, 11, 12 Januari 2009 / Muharram 1430 H

- 9, 10, 11 Februari 2009 / Shafar 1430 H

- 10, 11, 12 Maret 2009/ Rabi’ul Awwal 1430 H

- 9, 10, 11 April 2009/ Rabi’ul Akhir 1430 H

- 9, 10, 11 Mei 2009/ Jumadil Awwal 1430 H

- 7, 8, 9 Juni 2009/ Jumadil Akhir 1430 H

- 6, 7, 8 Juli 2009/ Rajab 1430 H

- 4, 5, 6 Agustus 2009/ Sya’ban 1430 H



Puasa Ramadhan 1430 H : 22 Agustus 2009 - 19 September 2009.

- 2, 3, 4 Oktober 2009/ Syawwal 1430 H

- 1, 2, 3 November 2009/ Dzulqa’idah 1430 H

- 1, 2 Desember 2009/Dzulhijjah 1430 H.



30 November 2009 bertepatan dengan hari tasyriq - 13 Dzulhijjah 1430 H.

Hari tasyriq tidak diperkenankan berpuasa.



3. Puasa 1/3 (sepertiga) bulan - Yakni di bulan Dzulhijjah.



Antara 18 November 2009 - 17 Desember 2009/ Dzulhijjah 1430 H

Puasa tanggal 9 Dzulhijjah (Arafah) bagi selain orang yang melaksanakan haji.

Yakni : 26 November 2009/ 9 Dzulhijjah 1430 H



Tidak diperkenankan berpuasa :

Hari Idul Adha - 10 Dzulhijjah/ 27 November 2009

Hari tasyriq - 11, 12, 13 Dzulhijjah/ 28, 29, 30 November 2009/ Dzulhijjah 1430 H



4. Puasa bulan Muharram - ‘Asyura’ selama 3 (tiga) hari - tanggal 9,10,11 Muharram.



Sangat dianjurkan tanggal 9 dan 10 ( Tasu’a dan ‘Asyura )

Yakni : 6, 7 dan 8 Januari 2009/ Muharram 1430 H.

26, 27, 27 Desember 2009/ Muharram 1431 H



5. Puasa pada sebagian bulan Sya’ban.

Antara 23 Juli - 21 Agustus 2009.



6. Puasa 6 hari pada bulan Syawwal.

Antara 21 September - 19 Oktober 2009.

Tidak diperkenankan puasa pada 1 Syawwal - 20 September 2009.



7. Puasa Daud - berpuasa berselang-seling. Berpuasa satu hari lalu berbuka satu hari

Changes ....

Basically the man is born in a state of purity, having the nature of good, honest, good-hearted ....

The point all good ....

However, the environment, ambition, aspiration can create 180 degree change.

Fuihhh .... so why can I?

How ambition can change the nature of someone?

Why ideals can change the view of someone?

Why the environment can change the behavior of someone?

Many times what appears to be when we meet with someone who had once we know better ....

Why so? why so? why ya? ..

Ask on the grass that swing ..... word Ebiet G Ade.

Memories of the beautiful things sometimes form patterns our minds ....

Always embedded in our minds away.

Not easy to accept if it changes.

We always tried to find the excuse of the change.

Indeed, his nature is that on the Eternal ....

Changes will occur ....

The eternal is the change itself.

The changes will continue to occur in line with the turnaround time.

Until that time to stop .... stop ... stop ....