Inquiry Letter #Softkill Bahasa Inggris 1

1.      Inquiry Letter is a letter requesting one of the information about a product of goods or services

2.     The function of the inquiry letter is to request, whether it is a request for funds or use other places and activities.

3.     Example :

CV. Hawk Love

Strawberry street, Mangun Jaya, South Tambun

Bekasi, West Java 17423

October 30^th 2017

We have seen your advertisement your product of meat “ meat impor options” on October 29^th 2017 and we should be pleased if you could send us your method of payment and method of delivery.

We look forward to receiving your reply immediately

Your Faithfully

Aska Yoel Tambajong

#softkill Bahasa Inggris Bisnis 1

                   What do you about the business ? A business is an organization or enterprising entity engaged in commercial, industrial or professional activities. A company transacts business activities through the production of a good, offering of a service or retailing of already manufactured products. A business can be a for-profit entity or a nonprofit organization that operates to fulfill a charitable mission. Business is an economic activity, which is related with continuous and regular production and distribution of goods and services for satisfying human wants.  What do you do when have the capital for business? Well, I have the capital for business
                  I was gon na do business in the field of culinary or the field of buying and selling land. Why do I prefer to in the culinary or buying and selling the land? Because everyone is not spared from food. Because, food is the living things. Then what I'm going to make? Hmm, I think I'll make meatballs. Because, many people love meatballs. Although there are some who do not.
                  That is also with buying and selling the land. Because the price of land every year is not down. On the other hand, it will continue. But most likely is a business in the culinary. Because, don't need a big capital. If, in the field of buying and selling land. It takes a big capital. Because, see the price of the ground right now. If, by selling meatballs, maybe capital below five million rupiah is enough while buying and selling land takes on Ten million rupiah. And if selling meatballs in need of employees. So it can reduce unemployment in Indonesia.


 Source :
http://kalyan-city.blogspot.co.id/2011/03/what-is-business-meaning-definitions.html?m=1

http://www.investopedia.com/terms/b/business.asp

#Softkill Bahasa Inggris Bisnis 2

The Experience of Course MYOB

                    I want to tell you about about how my experience when tacking a class MYOB. At that time on 11 Januari 2016 to 15 Januari 2016. First day following the course, of material being taught, to easy. Why, do I say easy ? Because, Teacher that explains is simply so as to make students more quickly understood and understand. On the first, I felt the cold room. But, with a cold make up your mind to be easygoing. So, on the experience on the first day.
                 
                    Wiht the provision of material given first day make me pretty confident to take a course. And on two day , I increasingly understand that, on the use of the application myob and understand the material myob. So, in the third day on so on. With materials that have been granted for 4 days I feel good to take a test day. On the day to four tutors to simple in the work. Thus, when the test speed in doing it.

                    And here also on the last one, which is the test. The test then it could see students whether they are already knew or not the material that has been given for 4 days. When, the test I was so confident to do it. When the exam started I do about it. Before doing I pray. And Praise The Lord I can finish the test in 30 minutes. Three months later I get to Campus D Gunadarma University to take a certificate. And Praise The Lord I get satisfactory result which is 92 and I got two certificates Myob. That's all and Thank You.

#Softkill Bahasa Inggris Bisnis Job Vacancy

JOB VACANCY

VACANCY

AUDITOR

Requitments :

-          Min. S1 Academy of Accounting

-          Min. Age 22 – 25 Years

-          Good Conversation

-          Nice Appearance

-          Good Personality

-          Fluency English and Mandarin, both oral and written

-          Min. Fresh Graduated

-          Man or Woman. No Shemale

Please Send Your Application Letter to :

Jl. Ir. Soekarno No.42

West Bekasi

Or Email : syota@gmail.com

# Softkill Bahasa Inggris Bisnis, Curiculum Vitae

Curiculum Vitae ( CV )

I. Personal Details

Name                           : Aska Yoel Tambajong

Mailing Address         : xxxxxxxxxxx

Contact Number         : xxxxxxxxxxx

Place, Date of Birth    : xxxxxxxxxxx

Sex                              : Male

Martial Status              : Single

Religion                       : Protestant

Nationality                  : Indonesia

Email                           : xxxxxxxxxx

Personal Site               : askayoel.blogspot.com

II. Education Details

1. 2002 – 2008 State Elementary School Setia Darma 06 South Tambun

2. 2008 – 2011 State Junior High School SMPN 7 South Tambun

3. 2011 – 2014 State Senior High School SMAN 3 South Tambun

4. 2014 – 2018 Accounting Department State Gunadarma University

GPA = 3.90

Predicate = Excellent Academic Qualification

III. A Skill – Focured CV

1. Personal Statement

I am fresh graduated of accounting department with excellent academic qualification at the Gunadarma University. I want to work in a office, because I want to add new insight and knowledge in the world of work that I have not had before. Currently, I am looking for a job related to accounting. Hopefully with the data that I have given into the qualification that the your company.

2. Education

Bachelor of Accounting

Gunadarma University, 2014 – 2018, excellent qualification

3. Supporting Courses

Myob, a five day course, eight hours per day, distinction qualification

Zahir, a semester course, two hours in a week, excellent achievement

4. Award Achived

Runner-up of national level accounting audits competition.

5. Organitation

- Badminton Gunadarma University

- Religion Gunadarma University

6. Referee

President PT. SYOTA = Mr. Dr. Samuel Joel, M.M, Phd

#Softkill Bahasa Inggris Bisnis, Application Letter

Application Letter

Bekasi, December 21,2016

President PT. SYOTA, Tbk

Mr. Dr. Samuel Joel, M.M, Phd

Jl. Ir. Soekarno No. 42

West Bekasi

Dear Mr. Dr. Samuel Joel, M.M, Phd

            With the ad you enter in Sindo of December 20, 2016, I want to join in your company because I am passionate in working in your company and I would like to apply for the job.

            I am twenty two year old and I have history of good healty. I never smoking and drinking beer. I am fresh graduated at the Gunadarma University, with the of accounting department, on December 18, 2016 with excellent academic qualification in Gunadarma University 2016. I can use three foreign language, I rule pretty good in the oral and written, such a English, Mandarin, and Japan. I can also use a handful of accounting application like a myob and zahir very well.

           

            With this letter, I hope you give a chance to the interview in your company. If I given the opportunity, you can make an appointment with me for an interview in your company and you can contact me at number 0812-8888-0000.

Yours Faithfully,

Aska Yoel Tambajong, SE

MERGER LIPPO BANK DAN BANK NIAGA MENJADI CIMB NIAGA

MERGER LIPPO BANK DAN BANK NIAGA MENJADI CIMB NIAGA

 

NAMA KELOMPOK :

 

      ASKA YOEL TAMBAJONG                                 ( 21214741 )

      FERGIAWAN RISDIANTO                                  ( 2D214054 )

      JOSES MORGANDA                                              ( 25214702 )

      MUCHAMAD ENDRO WICAKSONO                 ( 26214853 )

      SENO TRI UTOMO                                                ( 2A214135 )

      TEGAR ROBIYA AKHIR                                       ( 2A214702 )

KELAS :

      3 EB 35

1. Permodalan (CAR )

Sebelum Merger				Sesudah Merger
Bulan	CAR			CAR	Bulan
	Niaga	Lippo	Rata-Rata	CIMB Niaga
Januari-06	16,38%	21,44%	18,91%	13,15%	Januari-09
Februari-06	16,27%	20,58%	18,43%	12,33%	Februari-09
Maret-06	15,91%	19,42%	17,67%	16,88%	Maret-09
April-06	15,60%	17,96%	16,78%	17,32%	April-09
Mei-06	14,93%	17,69%	16,31%	16,12%	Mei-09
Juni-06	14,72%	17,06%	15,89%	15,30%	Juni-09
Juli-06	17,22%	19,64%	18,43%	15,55%	Juli-09
Agustus-06	16,75%	18,79%	17,77%	15,63%	Agustus-09
September-06	16,56%	17,89%	17,23%	15,03%	September-09
Oktober-06	16,76%	17,51%	17,14%	14,90%	Oktober-09
November-06	16,82%	17,15%	16,99%	14,21%	November-09
Desember-06	16,51%	23,46%	19,99%	13,46%	Desember-09
Januari-07	17,71%	24,62%	21,17%	13,62%	Januari-10
Februari-07	18,68%	24,68%	21,68%	13,49%	Februari-10
Maret-07	18,45%	26,11%	22,28%	13,08%	Maret-10
April-07	17,75%	24,47%	21,11%	12,94%	April-10
Mei-07	17,88%	25,96%	21,92%	12,54%	Mei-10
Juni-07	17,77%	24,43%	21,10%	12,23%	Juni-10
Juli-07	17,73%	22,88%	20,31%	12,65%	Juli-10
Agustus-07	17,14%	22,05%	19,60%	12,49%	Agustus-10
September-07	17,03%	20,88%	18,96%	12,55%	September-10
Oktober-07	16,25%	21,72%	18,99%	12,20%	Oktober-10
November-07	15,98%	21,29%	18,64%	12,03%	November-10
Desember-07	15,64%	20,37%	18,01%	13,18%	Desember-10
Rata-Rata	16,77%	21,17%	18,97%	13,87%	Rata-Rata

Terjadi  penurunan  rata-rata  rasio  CAR  setelah  merger,  ini  menunjukkan

kinerja keuangan Bank CIMB Niaga dari segi CAR lebih baik sebelum merger.

2. Kualitas Aktiva Produktif (Asset)

Sebelum Merger				Sesudah Merger
Bulan	NPL			NPL	Bulan
	Niaga	Lippo	Rata-Rata	CIMB Niaga
Januari-06	4,30%	1,33%	2,82%	3,67%	Januari-09
Februari-06	4,27%	1,22%	2,75%	4,83%	Februari-09
Maret-06	4,05%	6,04%	5,05%	4,84%	Maret-09
April-06	3,94%	1,02%	2,48%	4,82%	April-09
Mei-06	3,57%	1,00%	2,29%	5,11%	Mei-09
Juni-06	3,29%	0,92%	2,11%	4,96%	Juni-09
Juli-06	5,57%	2,06%	3,82%	5,18%	Juli-09
Agustus-06	5,41%	2,00%	3,71%	5,02%	Agustus-09
September-06	3,99%	2,02%	3,01%	5,05%	September-09
Oktober-06	4,09%	1,99%	3,04%	5,01%	Oktober-09
November-06	3,89%	2,16%	3,03%	4,88%	November-09
Desember-06	3,70%	1,97%	2,84%	4,99%	Desember-09
Januari-07	4,43%	2,31%	3,37%	3,10%	Januari-10
Februari-07	4,16%	2,17%	3,17%	3,14%	Februari-10
Maret-07	4,62%	13,16%	8,89%	3,06%	Maret-10
April-07	4,78%	1,92%	3,35%	2,92%	April-10
Mei-07	4,79%	1,87%	3,33%	2,94%	Mei-10
Juni-07	4,42%	11,14%	7,78%	2,67%	Juni-10
Juli-07	5,50%	1,73%	3,62%	2,87%	Juli-10
Agustus-07	5,35%	1,68%	3,52%	2,57%	Agustus-10
September-07	4,77%	9,85%	7,31%	0,92%	September-10
Oktober-07	4,88%	1,50%	3,19%	2,76%	Oktober-10
November-07	4,59%	7,22%	5,91%	2,61%	November-10
Desember-07	4,15%	6,91%	5,53%	2,52%	Desember-10
Rata-Rata	4,44%	3,55%	3,99%	3,77%	Rata-Rata

Terjadi  penurunan  rata-rata  rasio  NPL  setelah  merger,  ini  menunjukkan

kinerja keuangan Bank CIMB Niaga dari segi NPL lebih baik sebelum merger.

3. BOPO

Bulan	BOPO			BOPO	Bulan
	Niaga	Lippo	Rata-Rata	CIMB Niaga
Januari-06	79,26%	65,32%	72,29%	122,14%	Januari-09
Februari-06	78,86%	66,91%	72,89%	118,93%	Februari-09
Maret-06	73,96%	84,12%	79,04%	130,44%	Maret-09
April-06	76,28%	81,38%	78,83%	120,77%	April-09
Mei-06	74,96%	81,71%	78,34%	70,99%	Mei-09
Juni-06	73,60%	81,06%	77,33%	69,54%	Juni-09
Juli-06	65,37%	64,80%	65,09%	69,22%	Juli-09
Agustus-06	65,34%	62,79%	64,07%	69,88%	Agustus-09
September-06	65,14%	62,57%	63,86%	69,77%	September-09
Oktober-06	64,76%	61,09%	62,93%	71,04%	Oktober-09
November-06	65,00%	20,10%	42,55%	72,73%	November-09
Desember-06	65,84%	72,54%	69,19%	72,05%	Desember-09
Januari-07	66,11%	48,21%	57,16%	60,11%	Januari-10
Februari-07	66,36%	51,65%	59,01%	64,69%	Februari-10
Maret-07	35,24%	68,31%	51,78%	64,36%	Maret-10
April-07	67,41%	63,95%	65,68%	65,37%	April-10
Mei-07	67,90%	64,22%	66,06%	63,79%	Mei-10
Juni-07	69,76%	63,73%	66,75%	67,58%	Juni-10
Juli-07	70,30%	69,02%	69,66%	69,63%	Juli-10
Agustus-07	71,30%	68,44%	69,87%	66,29%	Agustus-10
September-07	70,92%	66,11%	68,52%	66,72%	September-10
Oktober-07	71,22%	64,04%	67,63%	66,90%	Oktober-10
November-07	72,00%	64,10%	68,05%	67,34%	November-10
Desember-07	71,61%	62,86%	67,24%	65,39%	Desember-10
Rata-Rata	68,69%	64,96%	66,82%	76,90%	Rata-Rata

Terjadi peningkatan  rata-rata rasio BOPO setelah merger, ini menunjukkan kinerja keuangan Bank CIMB Niaga dari segi BOPO lebih baik sesudah merger.

4. Return on Assets (ROA)

Sebelum Merger				Sesudah Merger
Bulan	ROA			ROA	Bulan
	Niaga	Lippo	Rata-Rata	CIMB Niaga
Januari-06	0,11%	0,21%	0,16%	-0,13%	Januari-09
Februari-06	0,25%	0,35%	0,30%	-0,26%	Februari-09
Maret-06	0,51%	0,40%	0,46%	-0,08%	Maret-09
April-06	0,64%	0,34%	0,49%	0,22%	April-09
Mei-06	0,79%	0,43%	0,61%	0,78%	Mei-09
Juni-06	0,99%	0,53%	0,76%	0,96%	Juni-09
Juli-06	1,37%	1,39%	1,38%	1,20%	Juli-09
Agustus-06	1,60%	1,72%	1,66%	1,38%	Agustus-09
September-06	1,70%	1,94%	1,82%	1,59%	September-09
Oktober-06	1,81%	1,24%	1,53%	1,78%	Oktober-09
November-06	1,90%	1,42%	1,66%	1,78%	November-09
Desember-06	2,02%	1,72%	1,87%	2,01%	Desember-09
Januari-07	0,19%	0,46%	0,33%	0,26%	Januari-10
Februari-07	0,39%	0,78%	0,59%	0,46%	Februari-10
Maret-07	0,62%	0,74%	0,68%	0,66%	Maret-10
April-07	0,84%	1,08%	0,96%	0,85%	April-10
Mei-07	1,09%	1,37%	1,23%	1,10%	Mei-10
Juni-07	1,27%	1,45%	1,36%	1,20%	Juni-10
Juli-07	1,39%	1,30%	1,35%	1,42%	Juli-10
Agustus-07	1,49%	1,48%	1,49%	1,64%	Agustus-10
September-07	1,64%	1,80%	1,72%	1,85%	September-10
Oktober-07	1,79%	1,93%	1,86%	2,01%	Oktober-10
November-07	1,86%	2,13%	2,00%	2,10%	November-10
Desember-07	1,88%	2,39%	2,14%	2,34%	Desember-10
Rata-Rata	1,17%	1,19%	1,18%	1,13%	Rata-Rata

Terjadi Penurunan rata-rata rasio ROA setelah merger, hal ini menunjukkan kinerja keuangan Bank CIMB Niaga dari segi ROA lebih baik sebelum merger.

5. Return on Equity (ROE)

Sebelum Merger				Sesudah Merger
Bulan	ROE			ROE	Bulan
	Niaga	Lippo	Rata-Rata	CIMB Niaga
Januari-06	0,68%	1,03%	0,86%	-1,12%	Januari-09
Februari-06	1,61%	1,81%	1,71%	-2,34%	Februari-09
Maret-06	3,20%	2,14%	2,67%	-0,57%	Maret-09
April-06	4,00%	1,71%	2,86%	1,25%	April-09
Mei-06	4,90%	2,13%	3,52%	4,62%	Mei-09
Juni-06	6,51%	2,71%	4,61%	5,94%	Juni-09
Juli-06	7,56%	9,27%	8,42%	7,26%	Juli-09
Agustus-06	10,67%	11,53%	11,10%	8,46%	Agustus-09
September-06	10,15%	13,01%	11,58%	9,90%	September-09
Oktober-06	10,42%	6,43%	8,43%	10,61%	Oktober-09
November-06	10,91%	9,13%	10,02%	11,21%	November-09
Desember-06	11,75%	9,27%	10,51%	13,00%	Desember-09
Januari-07	0,19%	2,39%	1,29%	1,68%	Januari-10
Februari-07	2,09%	3,99%	3,04%	3,05%	Februari-10
Maret-07	3,39%	3,47%	3,43%	4,56%	Maret-10
April-07	4,62%	144,02%	74,32%	0,67%	April-10
Mei-07	5,82%	6,66%	6,24%	7,99%	Mei-10
Juni-07	6,85%	7,59%	7,22%	9,37%	Juni-10
Juli-07	7,68%	6,65%	7,17%	10,06%	Juli-10
Agustus-07	8,35%	7,60%	7,98%	11,53%	Agustus-10
September-07	9,84%	9,18%	9,51%	13,22%	September-10
Oktober-07	10,51%	9,76%	10,14%	14,53%	Oktober-10
November-07	11,22%	10,76%	10,99%	16,17%	November-10
Desember-07	12,43%	12,40%	12,42%	16,56%	Desember-10
Rata-Rata	6,89%	12,28%	9,58%	7,40%	Rata-Rata

Terjadi  penurunan  rata-rata  rasio  ROE  setelah  merger,  ini  menunjukkan

kinerja keuangan Bank CIMB Niaga dari segi ROE lebih baik sebelum merger.

6. Net Interest Margin (NIM)

Sebelum Merger				Sesudah Merger
Bulan	NIM			NIM	Bulan
	Niaga	Lippo	Rata-Rata	CIMB Niaga
Januari-06	0,41%	0,45%	0,43%	0,39%	Januari-09
Februari-06	0,81%	0,86%	0,84%	0,82%	Februari-09
Maret-06	1,26%	1,10%	1,18%	1,31%	Maret-09
April-06	1,68%	1,74%	1,71%	1,83%	April-09
Mei-06	2,07%	2,27%	2,17%	2,54%	Mei-09
Juni-06	2,45%	2,68%	2,57%	3,00%	Juni-09
Juli-06	3,39%	3,82%	3,61%	3,68%	Juli-09
Agustus-06	3,89%	4,35%	4,12%	4,20%	Agustus-09
September-06	4,28%	4,77%	4,53%	4,74%	September-09
Oktober-06	4,81%	5,30%	5,06%	5,33%	Oktober-09
November-06	5,13%	5,42%	5,28%	5,70%	November-09
Desember-06	5,36%	5,82%	5,59%	6,06%	Desember-09
Januari-07	0,47%	0,65%	0,56%	0,52%	Januari-10
Februari-07	0,97%	1,15%	1,06%	0,98%	Februari-10
Maret-07	3,18%	1,69%	2,44%	1,48%	Maret-10
April-07	2,02%	2,16%	2,09%	1,92%	April-10
Mei-07	2,62%	2,58%	2,60%	2,37%	Mei-10
Juni-07	3,07%	2,82%	2,95%	3,03%	Juni-10
Juli-07	3,51%	3,26%	3,39%	3,35%	Juli-10
Agustus-07	3,85%	3,74%	3,80%	3,55%	Agustus-10
September-07	4,21%	4,14%	4,18%	1,77%	September-10
Oktober-07	4,66%	4,61%	4,64%	4,77%	Oktober-10
November-07	5,00%	5,09%	5,05%	5,15%	November-10
Desember-07	4,89%	5,44%	5,17%	5,25%	Desember-10
Rata-Rata	3,08%	3,16%	3,12%	3,07%	Rata-Rata

Terjadi  penurunan  rata-rata  rasio  NIM  setelah  merger,  ini  menunjukkan

kinerja keuangan Bank CIMB Niaga dari segi NIM lebih baik sebelum merger.

Straregi Bisnis

1. manajemen harus seorang pekerja keras

2. berfiikir kritis

3. berani mengambil resiko

Strategi Manajemen

1. Memperluas jaringan bisnis

2. Menguasai persaingan perbankan

3. Meningkatkan omset yang diharapkan

4. Memaksimalkan kepuasan nasabah

5. Memenuhi kebutuhan nasabah