Jumat, 05 Februari 2010.

Legenda We
The Malin Kundang So Stone

At one time, there lived a family of fishermen on the coast of Sumatra region. The family consists of father, mother and a son named Malin Kundang. Because the financial condition of the family concerned, the father decided to make a living in the country across the vast seas.

A week, two weeks, a month, two months and even years had changed, Malin Kundang father did not return to his hometown. So she had to replace the Malin Kundang father to make a living.

Malin Kundang including a smart boy but a bit naughty. He often chasing chickens and hit him with a broom. One day, when Malin Kundang was chasing chickens, she tripped on a rock and injured his right arm hit the rock. It becomes a scratch wound dilengannya and not get lost.

After growing up Malin Kundang feel sorry for her mother who slam the bones for a living to raise themselves. He thought of making a living abroad in the hope that later when I returned to my hometown, he had become a wealthy man. Malin Kundang interested in the invitation of a merchant ship captain who was once poor now become a wealthy man.
Malin Kundang the point to his mother. Her mother had been less agree with the intent Malin Kundang. But because Malin Kundang kept pushing, she finally agreed Malin Kundang though with a heavy heart.

After preparing enough supplies and equipment, Malin Kundang immediately headed to the dock accompanied by his mother. "My son, if you are successful and become a wealthy man, do not you forget about your mother and this halamannu ward, son", says Malin Kundang mother tearfully.

In the middle of the journey, suddenly a mounted ship Malin Kundang were attacked by pirates. All commodities traders who were on the ship seized by pirates. Even most of the crew and people on the ship were killed by the pirates. Malin Kundang very lucky he was not killed by the pirates, because when it happened, Malin Kundang immediately hid in a small space enclosed by the timber.

Malin Kundang in limbo amid the sea, until finally ship stranded on a beach. With the rest of the existing energy, Malin Kundang walked to the nearest village from the beach. Arriving in the village, Malin Kundang helped by people in the village after previously telling what happened to him.

Malin Kundang village where stranded is a very fertile country. With tenacity and perseverance in work, Malin Kundang gradually became a wealthy man. He has a lot of merchant ships with men of more than 100 people. Having become rich, Malin Kundang to marry a girl to be his wife.

News Malin Kundang who has become rich and have been married to the mother also Malin Kundang. Mother Malin Kundang feel grateful and very happy his son had succeeded. Since then, the mother Malin Kundang every day go to the dock, waiting for her son who may return to his hometown.

After some time married, Malin Kundang and his wife made the voyage with a ship that big and beautiful with the crew and a lot of bodyguards. Malin Kundang mothers who stay with their children every day, saw a very beautiful ship, went to the harbor. He saw two people standing on the deck of a ship. He believed that it was standing Malin Kundangbeserta was his wife.

Malin Kundang descended from the ship. He was greeted by his mother. Once close enough, his mother saw right dilengan dozen people injured, the more convinced his mother that he was approached Malin Kundang.

"Malin Kundang, my son, why did you go so long without sending you?", He said, hugging Malin Kundang. But what happens then?

Malin Kundang immediately release her mother's arms and pushed it down.
"Women do not know yourself, as carelessly claimed her", says Malin Kundang at his mother. Malin Kundang pretended not to recognize her mother, embarrassed by her mother who is old and wearing tattered clothes.

"She's your mother?", Malin Kundang wife Tanya.
"No, he was just a beggar who pretended to be admitted as a mother to get my property," said Malin Kundang to his wife.

Hearing statement and treated arbitrarily by his son, Malin Kundang mother very angry. He had not expected her to be rebellious child. Because anger is mounting, Malin Kundang mother raised her hand, saying "Oh God, if he was my son, I sumpahi he became a rock". Soon the wind roared loud and violent storm destroyed the ship came Malin Kundang. After that Malin Kundang body slowly becomes stiff and over time eventually shaped into a rock.
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Teaching Methods The Strategies

MediaMuslim.Info - Every teacher should take a telling educational method in accordance with what is taught in the Holy Qur'an Sunnah as generous and Nabawiyah, because the teachers participated in preparing a generation of Muslims in the days to come. Our hope is that the presence of Muslim generation with aqidah straight, tough, berakhlaq noble, clean and bold in order to defend religion and ummatnya.

The method of telling which can InsyaAlloh attempted by teachers in educating the young generation Muslims are as follows:

Fear instilled (khauf) and hope (raja ')
Teachers should instill fear in the Alloh Subhanahu wa Ta'ala to the souls of children, because students Alloh Subhanahu wa Ta'ala great siksanya to those who disobeyed him. Ie people who left what diwajinkanNya. Indeed Alloh Subhanahu wa Ta'ala has given the threat to people who are rebellious (disobedience), that they will burn in hell on the Day of Resurrection, but hell a lot more heat from the fire in the world.

But instead Alloh Subhanahu wa Ta'ala has promised to the faithful Mu'minin do his job, meets his rights Alloh Subhanahu wa Ta'ala with the broad heaven. Inside were the rivers, trees, fruits, beautiful houris and the enjoyment in them.
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SANG MANTAN
by: Nidji

I used to worship you
I used to love you
I was the champion
The slalu you love
Now the wheel has turned

I now you're despicable
I now you're wasting
Far from your life
Now I'm miserable
The wheel is already spinning

Reff:
Where is the promise manismu
Love me to death
Now you went away
When my own sink
I am the former
I am the former

Cut sick lonely
When love has gone
I am the former
I am the former

Where is the promise manismu
Faithful till I die
Now you went away
When I fell, and his own

Back to Reff

Where is the promise promis
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Rindu Puisi


I never ran leave!
Stepping away from the one it never occurred
I'm still here .... I'm still there ...
But Sebait are now no longer have time I made

Every day can be said to kuhanya liver
Tomorrow may be another time kuluangkan
To write about the heart ...
In a form of poetry

In fact I never had a chance
My body just prior s'lalu tired
So that a sense of despair and never had a chance
Get the right time for the new poems I made

Until once again this morning
Longing to return to poetry
Time allocated to me in the form of poetry
Hopefully tomorrow I can get back
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Si Kancil and the Crocodile


One day the Kancil, which he said clever animals, was a walk on the edge of the forest. He just wanted to get some fresh air, seeing the sun shining bright. In the woods are too dark, because the trees are thick and covered the forest floor tajuknya. He wants to bask in the sun. There was a large river where the water in it. After so long in the sun, Si Kancil felt that there was a ring on her stomach, krucuk .. ... krucuk ... krucuk. Well, apparently her belly was hungry. He imagined how good if there is favorite food, cucumber. But there cucumber garden across the river, how to cross it? He thinks for a moment. Suddenly she jumped for joy, and shouted: "Crocodile crocodile .... .... come out ..... I've got food for you ...!!" Once Kancil shouted to the crocodiles that many live in the deep sugai.

Once again Kancil shouted, "Crocodile ... crocodiles ... come out ... do not want fresh meat?"

Soon after, a crocodile emerged from the water, "... who Huaahhh shout this afternoons .. just disturbing my sleep." "Hey Kancil, still you .. if not I'll eat you." Said second crocodile also appears.

"Well .... you're good to go out, where are the others?" Kancil said later. "If only two of them still remains a lot of these foods later. Come out semuaaa ...!" Kancil shouted again.
"What really Kancil, let's quickly say," said the alligator.
"Look, I'm sorry if I disturb your sleep, but I'm going to share the fresh meat for the crocodiles in this river," hence must be out of all.

Hearing that they will be distributed on fresh meat, the crocodiles were immediately summoned his friends to come out of all. "Hey, my friends all, do not want to eat for free? ....!" Let keluaaaar crocodile leader shouted to the command. Before long, the rise of the crocodiles from the water.

"Well, now I have to count how many alligators are coming, the crocodile let you guys lined up in rows to the river over there," "I'll count one by one."

Without thinking, the crocodiles were immediately took the position, lined up in a row from one river to another river, forming such a bridge.
"Okay, now I'll start counting," Kancil said that immediately jumped into the crocodile's back first, shouting, "One ..... two ..... three ....." and so on while continuing to jump from one crocodile's back to the other crocodiles. Until finally he reached the opposite bank. His heart was laughing, "it's easy."

Once on the other side of the river, the crocodile Kancil said, "Hey stupid crocodiles, in fact there is no fresh meat is what I will share. Do not you see that I was not carrying any piece of meat?" "Actually, I just wanted to cross this river, and I need a bridge to pass. Then I give thanks to you, and apologize if I work on you," said the Kancil.

"Ha !.... huaahh ... damn ... Kancil naughty, we're just being lied to. AWS ye ya .. if we meet again I eat you," said the crocodiles were furious.
Si Kancil ran disappeared behind the trees, into the garden Mr. Farmer to find cucumbers.

(END)
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0

5 Keys to Funding Future Business growth

Senin, 11 Januari 2010.

While many businesses have been slammed by recession, some entrepreneurs are using the downturn as a time to prepare for better times ahead. And a big part of that is not only getting your current balance sheet in shape, but lining up funding sources to support future growth.

It starts with understanding the different options, and that alone can be challenging. When American Express surveyed a group of small business owners recently, it found that many were having trouble separating financial fact from fiction.

For example, Amex found that 34 percent of business owners surveyed believed, incorrectly, that a business “term loan” (funded immediately for a set term and amount) and a “line of credit” (which you open and tap as needed) are essentially the same. And nearly 40 percent believe it’s a good idea to apply to as many lenders as possible when seeking a loan, when the opposite is true. Multiple applications can tarnish your credit rating.

Here are five things you should know about financing that can help position your business for future growth:

1. Reinvested profits are perfect. The best source of “venture capital” for an existing business is money your company is already generating. Many entrepreneurs miss growth opportunities by spending profits in unproductive ways. Others take the opposite extreme, pumping every penny into the business while taking nothing for themselves. Both can backfire. If you do need to seek a loan, bankers will prefer that you pay yourself a reasonable salary. They want to know the business can be profitable even if those running it get paid.

Reinvesting profits in your business is a key to successful long-term growth. This is “patient” capital that builds value in your business without debt and without giving up shares to others. About 46 percent of business owners surveyed by American Express said they planned to finance their growth by reinvesting profits.

2. Tap into trade credit. “Trade credit” describes the process of delaying payment for goods and services your business purchases from various suppliers and vendors. You may find vendors more than willing to sell on credit to a growing business – and even to a startup – if you can strike a long-term deal to buy from them.

And from your perspective, trade credit is also one of the safest forms of business borrowing. Bank debt is dangerous because payments are still due even if sales drop. But if sales drop so will your orders, so your level of trade credit will drop too.

Right now, trade credit may be more readily available than bank or other types of loans. And it lets you spread payments over months or even years with little or no down payment and generally favorable rates.

3. Line up credit lines early. The time to establish a line of credit is when you have the ability to qualify for one – not later on when you need it. Having a line of credit can help you growing by providing ready financing when opportunities arise. A line of credit is also vastly preferable to using corporate credit cards that generally carry much higher interest rates and increasingly onerous terms. But avoid using a credit line to bail yourself out of trouble. Lines are meant to be tapped as needed, then paid off so they are available again the next time.

4. Expand banking relationships. If you have accounts with only one big bank, consider opening additional accounts at a regional or community bank. That will give you more options when it comes time to look for loans, lines or other credit to support your growth plan.

5. Consider alternative loan sources. A few options include credit unions you may be eligible to join, accounts receivable financing (also called factoring), and so-called “peer-to-peer” lending. Peer-to-peer (or person-to-person) lending has taken off in the recession as traditional loan sources have dried up and new Internet sites have made it easy to apply for and obtain this type of financing.

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0

Education in Indonesia


BOS - Knowledge Improvement through Transparency and Accountability (BOS-KITA)
The BOS (Bantuan Operasional Sekolah or School Operational Assistance) program has been disbursing block grants to schools across the country on a per student basis since 2005. BOS is part of the Government’s effort to provide quality education to students of all income
levels.

The World Bank is supporting the BOS program through BOS KITA (School Operational Assistance – Knowledge Improvement for Transparency and Accountability), a project which aims to improve access to quality education for all children aged 7 to 15 by working to strengthen school committees, increase community participation, improve fiduciary arrangements for greater transparency and accountability of the BOS program to consequently better utilize current BOS’ fund.

The Embassy of the Kingdom of the Netherlands is providing an additional US$ 20 million (approximately 200 billion Rupiah) support that aims to help the Ministry of National Education to maximize the effectiveness of the BOS Program. It will be used to strengthen a number of activities: monitoring, evaluations and complaint handling; social marketing and information campaign; as well as strengthening existing BOS teams at school level, and the work of parents and school committees.

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