Archive for 2015
BahasaInggris2_1EA35_Tugas3
By : Unknown
Nama : Maurin Nur Atria
NPM : 16214490
Kelas : 1EA35
My Daily Activities
Usually if I
go to campus, I wake up at 06.00 and I go shower at 06.15am. After I go shower
I get dressed. 07.15am I am ready to go to campus. My journey to get to campus
about 20 minutes by motorcycles and 10 minutes by car, usually I use my motorcycles
to go to campus. 07.35am. I am arrived on campus. At lunchtime (if not fasting)
me and my friends had lunch usually at various places such as mak gundar, ayam
bumbu bali, ayam GM and many more.
On Thursday and Friday, lectures
finished at 05.30pm and on Monday, Tuesday lecture finished at 03.00pm, on
Wednesday I holidays. If lecture was finished at 03.00pm I did not immediately
go home but I hang out with my friends or visited my grandma’s house in the
Bekasi not far from campus. After that I go home at 07.00pm and 07.20pm I am
arrived in my home. Arriving at home, I immediately go shower and after I go
shower and get dressed, I am watching a television. At 11.00pm I went into the
bedroom, and 00.00am I fell asleep.
BahasaInggris2_1EA35_Tugas2
By : Unknown
Nama : MAURIN NUR
ATRIA
NPM : 16214490
Kelas : 1EA35
Note:
S = Seller
M = Maurin
C =
Cashier
(In the mall precisely in the clothes
shop)
(I go into a clothes shop)
S =
Good evening, welcome to ZARA
M =
Yes, good evening to.
S =
May I help you?
M =
Just wait, I would look before.
S =
Yes, please.
(20 minutes later and Maurin found her want)
M = Madam I want this
dress but any size for me?
S =
Which size usually you wear?
M =
I usually wear size L
S =
Okay, just wait a minute i will looking for your size)
(The seller looking for any size dress for
Maurin)
S =
I’m so sorry, size L is not ready L
M = Yaahhh, its okay
S = Maybe you want to
other dress?
M = Umm, okay just wait
a minute again. I would look around again.
(Maurin looking for
other dress)
M = Madam, I want this
dress!
S = Just it? Or anything
else?
M = Oh no, just it.
S = Please go to the
cashier.
M = Okay.
(In the cashier)
C = Just it?
M = Yeah just it, how
much?
C = 500.000, cash or
credit?
M = Can I use my debit
card?
C = Yes. What kind of
your credit card?
M = BCA
C = Yes, of course.
M = Okay, this (while
providing her debit card)
C = Enter your pin
please.
(Maurin input her
pin)
M = Finish
C = Just wait, this
your debit card and your bill.
M = Okay (while taking
her debit card and her bill)
C = And this your item
(while providing Maurin’s purchase)
M =Thank you madam.
C = Your welcome.
Thanks for coming and don’t forget to visit again.
(Maurin leaving the
store)
BahasaInggris2_1EA35_Tugas1
By : Unknown
Bank Ekonomi targets 32%
growth in loan portfolio
growth in loan portfolio
The Jakarta Post,
Jakarta | Business | Wed, April 06 2011, 8:00 AM
Publicly-listed Bank Ekonomi, a subsidiary of The Hong Kong
and Shanghai Banking Corp. (HSBC), will expand its loan portfolio by 32 percent
or by about US$500 million this year, bank president Tony Turner said in
Jakarta on Tuesday.
The bulk of this year’s loans would go to small and medium-sized enterprises (SMEs), he added.
“SMEs have always been Bank Ekonomi’s main business since its establishment in 1989 and will continue to be its largest customer base,” Turner told a press conference after the bank’s annual shareholders’ meeting.
He added that, when HSBC acquired control of Bank Ekonomi in May 2009, the bank had built up a wealth of experience and a deep database on lending to SMEs through its 95 branches in 27 cities.
“Over the past two years, HSBC has invested a lot in strengthening Bank Ekonomi’s risk management and expanding and modernizing its branch networks,” said Guy Harvey-Samuel, HSBC’s Group General Manager in Hong Kong, who was elected on Tuesday as the new chief commissioner of the bank.
Samuel said the acquisition of Bank Ekonomi, a mid-size bank with Rp 21.52 trillion ($2.47 billion) in assets as of last December, provided a great opportunity for HSBC to take part in Indonesia’s robust and growing economy.
Both banks, he added, had good synergy whereby HSBC could share its international experience and strong capital base to strengthen Bank Ekonomi’s lending to SMEs and trade financing.
“We will continue to expand Bank Ekonomi’s balance sheet, customer base and strengthen its capital base,” Samuel said.
Turner acknowledged tough competition in the mid-size bank segment. But the market is quite large, notably in SMEs, where Bank Ekonomi has built up a strong advantage through its community banking services, Turner added.
The bulk of this year’s loans would go to small and medium-sized enterprises (SMEs), he added.
“SMEs have always been Bank Ekonomi’s main business since its establishment in 1989 and will continue to be its largest customer base,” Turner told a press conference after the bank’s annual shareholders’ meeting.
He added that, when HSBC acquired control of Bank Ekonomi in May 2009, the bank had built up a wealth of experience and a deep database on lending to SMEs through its 95 branches in 27 cities.
“Over the past two years, HSBC has invested a lot in strengthening Bank Ekonomi’s risk management and expanding and modernizing its branch networks,” said Guy Harvey-Samuel, HSBC’s Group General Manager in Hong Kong, who was elected on Tuesday as the new chief commissioner of the bank.
Samuel said the acquisition of Bank Ekonomi, a mid-size bank with Rp 21.52 trillion ($2.47 billion) in assets as of last December, provided a great opportunity for HSBC to take part in Indonesia’s robust and growing economy.
Both banks, he added, had good synergy whereby HSBC could share its international experience and strong capital base to strengthen Bank Ekonomi’s lending to SMEs and trade financing.
“We will continue to expand Bank Ekonomi’s balance sheet, customer base and strengthen its capital base,” Samuel said.
Turner acknowledged tough competition in the mid-size bank segment. But the market is quite large, notably in SMEs, where Bank Ekonomi has built up a strong advantage through its community banking services, Turner added.
He said the bank’s loan portfolio grew by Rp 2.8 trillion or 33 percent last year, but its net profit declined to Rp 296 billion from Rp 332 billion due to heavy investment in branch expansion and systems operations. - See more at:
http://www.thejakartapost.com/news/2011/04/06/bank-ekonomi-targets-32-growth-loan-portfolio.html#sthash.q47bvwQ9.dpuf
notes:
Biru muda : present future
Hijau :
present perfect
Biru tua : past tense
