PCM Baner

Download GRATIS PDF dan 3 Video Kaya dari Properti TANPA MODAL



Tuesday, August 19, 2008

Understanding Microeconomics

Understanding Microeconomics
by Brent Radcliffe
How do companies decide what price to charge for their sleek new gadgets? Why are some people willing to pay more for a product than others? How do your decisions play into how corporations price their products? The answer to all of these questions and many more is microeconomics. Read on to find out what microeconomics is and how it works.

What Is It?
Microeconomics focuses on the role consumers and businesses play in the economy, with specific attention paid to how these two groups make decisions. These decisions include when a consumer purchases a good and for how much, or how a business determines the price it will charge for its product. Microeconomics examines smaller units of the overall economy; it is different than macroeconomics, which focuses primarily on the effects of interest rates, employment, output and exchange rates on governments and economies as a whole. Both microeconomics and macroeconomics examine the effects of actions in terms of supply and demand. (To learn more about supply and demand, see Economics Basics.)

Microeconomics breaks down into the following tenets:
  • Individuals make decisions based on the concept of utility. In other words, the decision made by the individual is supposed to increase that individual's happiness or satisfaction. This concept is called rational behavior or rational decision-making.
  • Businesses make decisions based on the competition they face in the market. The more competition a business faces, the less leeway it has in terms of pricing.
  • Both individuals and consumers take the opportunity cost of their actions into account when making their decisions.
Total and Marginal Utility
At the core of how a consumer makes a decision is the concept of individual benefit, also known as utility. The more benefit a consumer feels a product provides, the more that consumer is willing to pay for the product. Consumers often assign different levels of utility to different goods, creating different levels of demand. Consumers have the choice of purchasing any number of goods, so utility analysis often looks at marginal utility, which shows the satisfaction that one additional unit of a good brings. Total utility is the total satisfaction the consumption of a product brings to the consumer.

Utility can be difficult to measure and is even more difficult to aggregate in order to explain how all consumers will behave. After all, each consumer feels differently about a particular product. Take the following example:

Think of how much you like eating a particular food, such as pizza. While you might be really satisfied after one slice, that seventh slice of pizza makes your stomach hurt. In the case of you and pizza, you might say that the benefit (utility) that you receive from eating that seventh slice of pizza is not nearly as great as that of the first slice. Imagine that the value of eating that first slice of pizza is set to 14 (an arbitrary number chosen for the sake of illustration). Figure 1, below, shows that each additional slice of pizza you eat increases your total utility because you feel less hungry as you eat more. At the same time, because the hunger you feel decreases with each additional slice you consume, the marginal utility - the utility of each additional slice - also decreases.

Slices of Pizza Marginal Utility Total Utility
1 14 14
2 12 26
3 10 36
4 8 44
5 6 50
6 4 54
7 2 56

Figure 1

In graph form, Figures 2  and 3 would look like the following:

Figure 2

Figure 3

The decreasing satisfaction the consumer feels from additional units is referred to as the law of diminishing marginal utility. While the law of diminishing marginal utility isn't really a law in the strictest sense (there are exceptions), it does help illustrate how resources spent by a consumer, such as the extra dollar needed to buy that seventh piece of pizza, could have been better used elsewhere. For example, if you were given the choice of buying more pizza or buying a soda, you might decide to forgo another slice in order to have something to drink. Just as you were able to indicate in a chart how much each slice of pizza meant to you, you probably could also indicate how you felt about combinations of different amounts of soda and pizza. If you were to plot out this chart on a graph, you'd get an indifference curve, a diagram depicting equal levels of utility (satisfaction) for a consumer faced with various combinations of goods. Figure 4 shows the combinations of soda and pizza, which you would be equally happy with.

Figure 4
Opportunity Costs
When consumers or businesses make the decision to purchase or produce particular goods, they are doing so at the expense of buying or producing something else. This is referred to as the opportunity cost. If an individual decides to use a month's salary for a vacation instead of saving, the immediate benefit is the vacation on a sandy beach, but the opportunity cost is the money that could have accrued in that account in interest, as well as what could have been done with that money in the future.

When illustrating how opportunity costs influence decision making, economists use a graph called the production possibility frontier (PPF). Figure 5 shows the combinations of two goods that a company or economy can produce. Points within the curve (Point A) are considered inefficient because the maximum combination of the two goods is not reached, while points outside of the curve (Point B) cannot exist because they require a higher level of efficiency than what is currently possible. Points outside the curve can only be reached by an increase in resources or by improvements to technology. The curve represents maximum efficiency.

Figure 5

The graph represents the amount of two different goods that a firm can produce, but instead of always seeking to produce along the curve, a firm might choose to produce within the curve's boundaries. The firm's decision to produce less than what is efficient is determined by demand for the two types of goods. If the demand for goods is lower than what can be efficiently produced, then the firm is more likely to limit production. This decision is also influenced by the competition faced by the firm.

A well-known example of the PPF in practice is the "guns and butter" model, which shows the combinations of defense spending and civilian spending that a government can support. While the model itself oversimplifies the complex relationships between politics and economics, the general idea is that the more a government spends on defense, the less it can spend on non-defense items.

Market Failure and Competition
While the term "market failure" might conjure up images of unemployment or a massive economic depression, the meaning of the term is different. Market failure exists when the economy is unable to efficiently allocate resources. This can result in scarcity, a glut or a general mismatch between supply and demand. Market failure is frequently associated with the role that competition plays in the production of goods and services, but can also arise from asymmetric information or from a misjudgment in the effects of a particular action (referred to as externalities).

The level of competition a firm faces in a market, as well as how this determines consumer prices, is probably the more widely-referenced concept. There are four main types of competition:
  • Perfect Competition - A large number of firms produce a good, and a large number of buyers are in the market. Because so many firms are producing, there is little room for differentiation between products, and individual firms cannot affect prices because they have a low market share. There are few barriers to entry in the production of this good.
  • Monopolistic Competition - A large number of firms produce a good, but the firms are able to differentiate their products. There are also few barriers to entry.
  • Oligopoly - A relatively small number of firms produce a good, and each firm is able to differentiate its product from its competitors. Barriers to entry are relatively high.
  • Monopoly - One firm controls the market. The barriers to entry are very high because the firm controls the entire share of the market.
The price that a firm sets is determined by the competitiveness of its industry, and the firm's profits are judged by how well it balances costs to revenues. The more competitive the industry, the less choice the individual firm has when it sets its price. (To learn about how the economic system we now use was created, check out History of Capitalism.)

We can analyze the economy by examining how the decisions of individuals and firms alter the types of goods that are produced. Ultimately, it is the smallest segment of the market - the consumer - who determines the course of the economy by making choices that best fit the consumer's perception of cost and benefit.

by Brent Radcliffe,

Brent Radcliffe is an analyst with WiserAdvisor.com, a website that helps investors find local financial advisors as well as educate investors on how to take control of their finances. He is a graduate of the University of Florida with a degree in International Economics, with minors in both French and International Relations. Radcliffe is a freelance writer covering topics related to economics, trade and investing.


Jazakum Allah khair,

Ila liqo, billahi taufiq wal hidayah,

Wassalamu'alaykum WR WB,


Maulana Pribadi, SE







Warren Buffett: How He Does It

Warren Buffett: How He Does It
by Investopedia Staff, (Investopedia.com)
Did you know that a $10,000 investment in Berkshire Hathaway in 1965, the year Warren Buffett took control of it, would grow to be worth nearly $30 million by 2005? By comparison, $10,000 in the S&P 500 would have grown to only about $500,000. Whether you like him or not, Buffett's investment strategy is arguably the most successful ever. With a sustained compound return this high for this long, it's no wonder Buffett's legend has swelled to mythical proportions. But how the heck did he do it? In this article, we'll introduce you to some of the most important tenets of Buffett's investment philosophy.

Buffett's Philosophy

Warren Buffett descends from the Benjamin Graham school of value investing. Value investors look for securities with prices that are unjustifiably low based on their intrinsic worth. When discussing stocks, determining intrinsic value can be a bit tricky as there is no universally accepted way to obtain this figure. Most often intrinsic worth is estimated by analyzing a company's fundamentals. Like bargain hunters, value investors seek products that are beneficial and of high quality but underpriced. In other words, the value investor searches for stocks that he or she believes are undervalued by the market. Like the bargain hunter, the value investor tries to find those items that are valuable but not recognized as such by the majority of other buyers.

Warren Buffett takes this value investing approach to another level. Many value investors aren't supporters of the efficient market hypothesis, but they do trust that the market will eventually start to favor those quality stocks that were, for a time, undervalued. Buffett, however, doesn't think in these terms. He isn't concerned with the supply and demand intricacies of the stock market. In fact, he's not really concerned with the activities of the stock market at all. This is the implication this paraphrase of his famous quote : "In the short term the market is a popularity contest; in the long term it is a weighing machine."(see What Is Warren Buffett's Investing Style?)

He chooses stocks solely on the basis of their overall potential as a company - he looks at each as a whole. Holding these stocks as a long-term play, Buffett seeks not capital gain but ownership in quality companies extremely capable of generating earnings. When Buffett invests in a company, he isn't concerned with whether the market will eventually recognize its worth; he is concerned with how well that company can make money as a business. (Interested in what companies Warren Buffett is buying and selling? Check out Coattail Investor, a subscription product tracking some of the best investors in the world.)

Buffett's Methodology
Here we look at how Buffett finds low-priced value by asking himself some questions when he evaluates the relationship between a stock's level of excellence and its price. Keep in mind that these are not the only things he analyzes but rather a brief summary of what Buffett looks for:

1. Has the company consistently performed well?
Sometimes return on equity (ROE) is referred to as "stockholder's return on investment". It reveals the rate at which shareholders are earning income on their shares. Buffett always looks at ROE to see whether or not a company has consistently performed well in comparison to other companies in the same industry. ROE is calculated as follows:
= Net Income

Shareholder's Equity

Looking at the ROE in just the last year isn't enough. The investor should view the ROE from the past five to 10 years to get a good idea of historical performance.

2. Has the company avoided excess debt?
The debt/equity ratio is another key characteristic Buffett considers carefully. Buffett prefers to see a small amount of debt so that earnings growth is being generated from shareholders' equity as opposed to borrowed money. The debt/equity ratio is calculated as follows:

= Total Liabilities

Shareholders' Equity

This ratio shows the proportion of equity and debt the company is using to finance its assets, and the higher the ratio, the more debt - rather than equity - is financing the company. A high level of debt compared to equity can result in volatile earnings and large interest expenses. For a more stringent test, investors sometimes use only long-term debt instead of total liabilities in the calculation above.

3. Are profit margins high? Are they increasing?
The profitability of a company depends not only on having a good profit margin but also on consistently increasing this profit margin. This margin is calculated by dividing net income by net sales. To get a good indication of historical profit margins, investors should look back at least five years. A high profit margin indicates the company is executing its business well, but increasing margins means management has been extremely efficient and successful at controlling expenses.

4. How long has the company been public?
Buffett typically considers only companies that have been around for at least 10 years. As a result, most of the technology companies that have had their initial public offerings (IPOs) in the past decade wouldn't get on Buffett's radar (not to mention the fact that Buffett will invest only in a business that he fully understands, and he admittedly does not understand what a lot of today's technology companies actually do). It makes sense that one of Buffet's criteria is longevity: value investing means looking at companies that have stood the test of time but are currently undervalued.

Never underestimate the value of historical performance, which demonstrates the company's ability (or inability) to increase shareholder value. Do keep in mind, however, that the past performance of a stock does not guarantee future performance - the job of the value investor is to determine how well the company can perform as well as it did in the past. Determining this is inherently tricky, but evidently Buffett is very good at it.

5. Do the company's products rely on a commodity?
Initially you might think of this question as a radical approach to narrowing down a company. Buffett, however, sees this question as an important one. He tends to shy away (but not always) from companies whose products are indistinguishable from those of competitors, and those that rely solely on a commodity such as oil and gas. If the company does not offer anything different than another firm within the same industry, Buffett sees little that sets the company apart. Any characteristic that is hard to replicate is what Buffett calls a company's economic moat, or competitive advantage. The wider the moat, the tougher it is for a competitor to gain market share.

6. Is the stock selling at a 25% discount to its real value?
This is the kicker. Finding companies that meet the other five criteria is one thing, but determining whether they are undervalued is the most difficult part of value investing, and Buffett's most important skill. To check this, an investor must determine the intrinsic value of a company by analyzing a number of business fundamentals, including earnings, revenues and assets. And a company's intrinsic value is usually higher (and more complicated) than its liquidation value - what a company would be worth if it were broken up and sold today. The liquidation value doesn't include intangibles such as the value of a brand name, which is not directly stated on the financial statements. (To learn more about Warren Buffett and the holdings his investment vehicle, Berkshire Hathaway, currently owns check out Coattail Investor.)

Once Buffett determines the intrinsic value of the company as a whole, he compares it to its current market capitalization - the current total worth (price). If his measurement of intrinsic value is at least 25% higher than the company's market capitalization, Buffett sees the company as one that has value. Sounds easy, doesn't it? Well, Buffett's success, however, depends on his unmatched skill in accurately determining this intrinsic value. While we can outline some of his criteria, we have no way of knowing exactly how he gained such precise mastery of calculating value. (To learn more about the value investing strategy of selecting stocks, check out our Guide To Stock-Picking Strategies.)


As you have probably noticed, Buffett's investing style, like the shopping style of a bargain hunter, reflects a practical, down-to-earth attitude. Buffett maintains this attitude in other areas of his life: he doesn't live in a huge house, he doesn't collect cars and he doesn't take a limousine to work. The value-investing style is not without its critics, but whether you support Buffett or not, the proof is in the pudding. As of 2004, he holds the title of the second-richest man in the world, with a net worth of more $40 billion (Forbes 2004). Do note that the most difficult thing for any value investor, including Buffett, is in accurately determining a company's intrinsic value.

by Investopedia Staff,

Investopedia.com believes that individuals can excel at managing their financial affairs. As such, we strive to provide free educational content and tools to empower individual investors, including more than 1,200 original and objective articles and tutorials on a wide variety of financial topics.


Jazakum Allah khair,

Ila liqo, billahi taufiq wal hidayah,

Wassalamu'alaykum WR WB,


Maulana Pribadi, SE







Monday, August 18, 2008


Assalamu 'alaikum warohmatullohi wabarokatuhu...


Mari kita Senantiasa Setting NIAT,

Upgrade IMAN,

Download SABAR,

Delete DOSA,

Approve MAAF; Hunting PAHALA, ...

Agar Kita Getting GUEST LIST Masuk SURGA-Nya.

Pulang ke kampung SURGA Yuuukkk!!!!

Pakai Mobil JIHAD yang Berbahan Bakar ISTIQOMAH,

Dengan Sopir KEIKHLASAN,

Lewat Jalan IMAN,,

eeiittt!!.. Jangan Lupa bawa Peta QUR"AN & SUNNAH,

juga Bekal TAQWA.....Semoga Qta ketemu disana.

Kini Ramadhan insya Allah akan tiba 2 pekan lagi,

dengan kerendahan hati maafkanlah segala


"Allahumma Baariklana fi Rajaban wa Sya'ban Wa Balligna Ramadhan"

Selamat mempersiapkan diri tuk sambut ibadah puasa 1429 H.

Mari kita kuatkan Iman, bersama menyongsong Bulan penuh Rahmah,

Maghfirah dan Berkah.

Jazakum Allah khair,
Ila liqo, billahi taufiq wal hidayah,
Wassalamu'alaykum WR WB,

Maulana Pribadi, SE

Tuesday, August 12, 2008

Matematika Gaji dan Logika Sedekah

Matematika Gaji dan Logika Sedekah

In forkit@yahoogroups.com, "Muafigmail" <ahmad.muafi@> wrote:

Thanks berat Mas Bahar ..... Artikelnya bagus banget ....
pencerahan terhadap hati kami yang sedang di selimuti kabut tebal egoisme.

Saturday, May 31, 2008

Re: [cerdasfinansial] Indonesia's 40 Richest (Forbes report)

Assalamu'alaykum WR WB,

"Kepunyaan Allah apa yang dilangit dan apa yang ada dibumi "(Al Baqarah : 255)

Tanpa kita doakan mereka sudah melakukannya. Sekarang bagaimana dengan kita? Apa kita ingin mengikuti langkah mereka sehingga bisa mendapat kelapangan rejeki tanpa batas sesuai dengan kehendak Allah SWT seperti mereka?

Kami pernah menyampaikan dalam presentasi bulanan di Islamic Musrefah - Jeddah Arab Saudi dan artikel di http://cerdasfinansial.blogspot.com bahwa pola alokasi dalam APBK (Anggaran Pendapatan Belanja Keluarga) adalah sebagai berikut:

1. 2.5% + 7.5% untuk ZISWAF (Zakat, infaq, sodaqoh dan wakaf) di jalan Allah
2. 10% untuk investasi (menciptakan lapangan usaha & lapangan kerja)
3. 10% - 20% untuk membayar utang personal (terhadap seseorang apakah itu kerabat atau teman). Apabila utang personal tidak ada maka alokasinya ditambahkan ke poin 2 (investasi)
4. 60% - 70% untuk nafkah kebutuhan biaya hidup (cost of life) keluarga, orang tua, kerabat (termasuk cicilan kartu kredit, KPM dan KPR serta premi asuransi).

Subhanallah, sejak awal mereka yang diberi kelapangan rezeki tanpa batas sesuai dengan kehendak Allah SWT melakukan pola alokasi seperti diatas bahkan lebih revolusioner lagi (APBK Revolusioner) dimana besar presentasinya berbeda yaitu sebagai berikut:

1. 2.5% + 7.5% untuk ZISWAF (Zakat, infaq, sodaqoh dan wakaf) di jalan Allah
2. 50% untuk investasi (menciptakan lapangan usaha & lapangan kerja)
3. 10% - 20% untuk membayar utang personal (terhadap seseorang apakah itu kerabat atau teman). Apabila utang personal tidak ada maka alokasinya ditambahkan ke poin 2 (investasi)
4. 20% - 30% untuk nafkah kebutuhan gaya hidup (life style) keluarga, orang tua, kerabat (termasuk cicilan kartu kredit, KPM dan KPR serta premi asuransi).

Sampai saat ini pun mereka tetap melakukan pola alokasi APBK Revolusioner diatas. Hanya saja faktor pengalinya (pendapatan) yang terutama pendapatan dari asset pasif (pasive income) yang jumlahnya lebih besar dari kebutuhan gaya hidupnya (life style) mereka. Sehingga walaupun besarnya tetap (20% - 30%) tetapi sudah cukup untuk membiayai kebutuhan gaya hidup (life style) mereka.
Pertanyaanya adalah apakah sahabat mau mengikuti langkah mereka?
Insha Allah pola APBK Revolusioner inilah yang sedang kami jalankan. Walaupun saat ini kebutuhan gaya hidup (life style) keluarga kami berlum tercapai. Keyakinan kepada Allah SWT dan tetap menjadikan kebutuhan gaya hidup (life style) keluarga kami sebagai impian/visi-misi/cita-cita/niat. Insha Allah akan selalu menjadi motivator kami untuk tetap istiqomah berusaha hingga berhasil mencapainya.
Jazakum Allah khair,
Ila liqo, billahi taufiq wal hidayah,
Wassalamu'alaykum WR WB,

Maulana Pribadi, SE

Monday, May 19, 2008

Indofood Terbitkan Obligasi Rp1,5 Triliun

Indofood Terbitkan Obligasi Rp1,5 Triliun
(Sumber : Media Indonesia, Selasa, 22 April 2008)

PT Indofood Sukses Makmur Tbk (Indofood) berencana menerbitkan obligasi kelima (Obligasi Indofood V) senilai Rp1,5 triliun dengan tingkat bunga tetap. Obligasi dengan jangka waktu lima tahun tersebut tidak dijamin dengan agunan khusus berupa benda atau pendapatan perseroan.
Dalam prospektus perseroan yang diterbitkan di Jakarta, kemarin, diungkapkan bahwa sebagian dana yang diperoleh dari penerbitan obligasi itu sebesar 82%, atau Rpl,226 triliun, akan digunakan untuk membayar kembali obligasi II 2003 yang jatuh tempo 10 Juni 2008. Sedangkan sisanya akan digunakan untuk modal kerja.
Indofood telah menunjuk penjamin emisi dalam penerbitan Obligasi itu, yakni PT DBS Vickers Securities Indonesia, PT Danareksa Sekuritas Indonesia, PT ING Securities Indonesia, PT Kim Eng Securities, dan PT Mandiri Sekuritas. Adapun wali amanat yang ditunjuk adalah PT Bank Mega Tbk.
Dalam prospektus tersebut juga dijelaskan, pernyataan efektif dari Bapepam-LK diharapkan keluar pada 27 Mei 2008. Dengan demikian masa penawaran bisa dilakukan 30 Mei 2008 hingga 3 Juni 2008 mendatang. Pencatatan di bursa pada 9 Juni 2008.
Sebelumnya dalam laporan keuangan teraudit, Indofood membukukan laba bersih sepanjang 2007 sebesar Rp980,357 miliar. Laba itu tumbuh 48% jika dibandingkan dengan laba pada 2006 sebesar Rp661,210 miliar.

Grup agrobisnis

Sementara itu, di sisi penjualan, perseroan meraih Rp27,858 triliun. Jumlah tersebut naik 27% daripada tahun sebelumnya sebesar Rp21,941 triliun.
"Pada tahun ini Indofood mencapai kemajuan yang berarti. Selain memperkuat usaha bisnisnya, perseroan juga pada 2007 berhasil mengakuisisi PT London Sumatra Plantation Tbk, sehingga bisnis kami berubah dari grup minyak goreng dan lemak nabati menjadi grup agrobisnis," ungkap Direktur Utama dan CEO Indofood Anthoni Salim.
Pencapaian tersebut disumbangkan oleh pertumbuhan penjualan setiap grup. Seperti grup produk konsumen bermerek yang meliputi mi instan, penyedap makanan, makanan ringan, serta nutrisi dan makanan khusus yang menyumbangkan pertumbuhan 25,3%. Grup Bogasari tumbuh 29,1%, Grup Agribisnis tumbuh 64,4%, dan Grup Distribusi 16,9%.
Akhir tahun lalu, PT Salim Ivomas Pratama, anak usaha PT Indofood Sukses Makmur Tbk, telah melakukan pembayaran sebesar Rp8,4 triliun atas pembelian saham PT London Sumatra Plantation Tbk (Lonsum). Dengan pembayaran tersebut, Salim Ivomas memiliki 769.438.500 lembar saham atau setara 54,6% saham Lonsum. "Pada penawaran tender juga terdapat saham perusahaan sasaran (Lonsum) sejumlah 135.500 lembar yang ikut dijual," ujamya.
Salim Ivomas mendapatkan pemyataan efektif atas penawaran tender saham Lonsum dari Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam-LK) pada tanggal 20 November 2007. Pada penawaran tender, Salim Ivomas membeli 36,6% atau 500,095 juta lembar saham Lonsum dari First Durango Singapore Pte Ltd dan Ashmore Funds.
Perseroan juga membeli surat utang konversi (mandatory convertible notes) senilai US$47 juta yang bisa dikonversi menjadi 169,343 juta lembar saham atau 19,7%.

Saturday, April 26, 2008

"Kail" Tak Lagi Memberdayakan

"Kail" Tak Lagi Memberdayakan
Oleh: Hendi Suhendi (dikirim oleh niefha)

Nurlaela, sosok seorang ibu yang berpenampilan sederhana. Ibu dari dua putri dan satu putra ini mengeluh tentang kehidupannya. Suami yang hanya pedagang air mineral di perempatan jalan kota kembang tidak
cukup membiayai kehidupan keluarga sehari-hari. Bayar kontrakan, listrik, air, SPP tiga buah hatinya, ongkos berangkat sekolah dan sejubel lagi biaya yang harus ia tutupi setiap bulan membuatnya
kalangkabut. Keterdesakan tersebut mendorong dirinya datang ke sebuah lembaga ziswaf. Raut muka yang nampak bingung berikut kerudung lusuh dikepalanya adalah panorama pagi itu (01/06).

Monday, April 14, 2008

KAMI MENYESAL............

Assalamu'alaykum wR wB,


Sedikit pengalaman kami setelah mendownload ilmu-ilmu dari Valentino Dinsi mengenai bisnis. Jika sahabat ingin tahu bisa klik disini. Alhamdulillah kami bisa belajar ilmu-ilmu tersebut tanpa harus memanggil beliau yang tentunya akan memakan biaya yang sangat tinggi. Kami bisa mengatur jadwal belajar bisnis dari beliau kapan saja terserah kami tanpa harus menunggu konfirmasi waktu dari beliau. Jika sahabat ingin belajar bisnis seperti itu silahkan klik disini.

Ilmu-ilmu bisnis dari Valentino Dinsi sangat lengkap mulai dari literatur sampai dengan audio visual. Jika dihitung-hitung murah sekali biaya yang harus dikeluarkan jika dibandingkan apabila kami harus mengumpulkan sendiri ilmu-ilmu tersebut dari sumbernya. Jika sahabat penasaran silahkan klik disini.

Namun ternyata sahabat, sungguh KAMI MENYESAL baru beberapa kali belajar ilmu-ilmu bisnis tersebut rasanya ingin sekali menerapkannya langsung. Sepertinya kesuksesan sudah ada ditangan. Namun sungguh bijaksana nasehat sang GURU untuk bersabar dan terus belajar dan menerapkan materi dari modul satu ke modul yang lainnya. Tetapi sahabat akan lebih menyesal dari kami jika tidak segera mendownload ilmu-ilmu bisnis dari Valentino Dinsi. Agar tidak lebih menyesal silahkan sahabat klik disini.

Billahi taufiq wal hidayah wassalamu'alaykum wR wB,

Maulana Pribadi

Thursday, April 03, 2008


(tanggapan diskusi di milis group FORKIT)

Assalamu’alaykum wR wB,


Masalah ini pernah kami bahas di Islamic Musrefah 3 minggu yang lalu, tepatnya 14 Maret 2008. Ketika itu Ustz. Mustolih berhalangan kemudian memberi amanat kepada Ustz. Nazar (alm) untuk mengisi tausiah. Tetapi Ustz. Nazar memberikan amanat lagi kepada kami untuk membahas mengapa harga2 pada naik di Arab Saudi, sedangkan Arab Saudi kan penghasil minyak? Bahkan susu bubuk 5 – 10KG kenaikannya mencapai 200% menurut beliau.

Wednesday, April 02, 2008


Assalamu'alaykum wR wB,
Sahabat ternyata pengunjung blog Cerdas Finansial Madani sementara ini berasal dari 14 negara. Silahkan lihat tabel berikut:
Num Perc. Country Name
drill down 230 53.12% Indonesia Indonesia
drill down 116 26.79% Saudi Arabia Saudi Arabia
drill down 37 8.55% China China
drill down 12 2.77% United Kingdom United Kingdom
drill down 10 2.31% United States United States
drill down 6 1.39% Germany Germany
drill down 6 1.39% Qatar Qatar
drill down 5 1.15% Netherlands Netherlands
drill down 4 0.92% Singapore Singapore
drill down 2 0.46% Japan Japan
drill down 1 0.23% Mauritius Mauritius
drill down 1 0.23% Taiwan Taiwan
drill down 1 0.23% Unknown -
drill down 1 0.23% Norway Norway
drill down 1 0.23% Australia Australia
Semoga sahabat2 yang sudah mengunjungi blog juga ikut menjadi anggota milis group Komunitas Cerdas Finansial Madani. Kami mengharapkan sahabat2 mengajak lagi sahabat2 lainnya yang belum bergabung dan ikut membantu menginformasikan Blog dan Komunitas Cerdas Finansial Madani ini. Sehingga semakin banyak sahabat2 yang mendapat manfaat dari materi2 pembelajaran yang tersedia.
Apabila sahabat memiliki artikel tentang pengalaman dan permasalahan finansial dan ingin disampaikan atau berbagi dengan sahabat sesama anggota komunitas dan pembaca blog silahkan jangan ragu untuk mengirimkan email kepada kami.
Sekian dulu dari kami sekedar sharing pertumbuhan dan perkembangan blog dan komunitas cerdas finansial madani.
Wassalamu'alaykum wR wB,
Maulana Pribadi

You rock. That's why Blockbuster's offering you one month of Blockbuster Total Access, No Cost.

Tuesday, April 01, 2008


(tanggapan diskusi di milis group FORKIT)

Assalamu'alaykum wR wB,

Alhamdulillah dengan tambah berat nian hidup ini berarti ada tantangan untuk membuatnya tambah ringan nian hidup ini. Sebagaimana firman Allah SWT dalam Al Quran surah An Nashroh (94) ayat 5 - 6;

"Maka sesungguhnya setelah kesulitan ada kemudahan; Sesungguhnya setelah kesulitan ada kemudahan"

Selain itu firman Allah SWT dalam Al Quran surah Al Ra'du (13) ayat 11;

"Bagi manusia ada malaikat-malaikat yang selalu mengikutinya bergilirian, di muka dan belakangnya, mereka menjaganya atas perintah Allah. Sesungguhnya Allah tidak merubah keadaan sesuatu kaum sehingga mereka merubah keadaan yang ada pada diri mereka sendiri. Dan apabila Allah menghendaki keburukan terhadap sesuatu kaum, maka tak ada yang dapat menolaknya; dan sekali-kali tak ada pelindung bagi mereka selain Dia"

Friday, March 28, 2008



Alhamdulillah, hanya kata itu yang pantas kami ucapkan atas nikmat dan karunia yang telah Allah berikan kepada kami. Nikmat dan karunia Allah kepada kami adalah terpenuhinya satu lagi impian kami memiliki perusahaan di usia ke 35 tahun.

Teringat kami akan sebuat hadist Rasulullah Muhammad SAW:

"Sesungguhnya segala amal itu tergantung dari niatnya dan sesungguhnya seseorang akan mendapatkan hasil sesuai dengan apa yang diniatkanya" (Riwayat Bukhari & Muslim)



Cipt.: Abu Airi, Jeddah, 1 Zulqa'idah 1427H



Kemana…aini melihat….
                Indah sempurna ciptaanMu

                Kemana…rijli melangkah…

                Terhampar bumi beratap langitMu


    Mentari hingga rembulan

    Jemu tak lidah bibir ucap asmaMu

    Terjaga dan terlelap

    Terpaut qalbu raga hanya shibgahMu


                        Mu'jizat Surat CintaMu

                        Samudra hidayah belantara hikmah

                        Bayan bijak rayuMu

                        Padanya Uswatun Hasanah


Aku rindu wajahMu Ya Allah

Aku dahaga ilmuMu Ya Rabbi

Aku ingin kasihMu Ya Rahmaan
Aku butuh sayangMu Ya Rahiim


Duhai Cintaku terimalah ungkapan qalbu


Thursday, March 20, 2008


Cerdas finansial? Mungkin anda berpikir hanya orang kaya yang perlu memiliki kecerdasan finansial. Sama sekali tidak! Cerdas finansial tidak ada kaitannya dengan latar belakang pendidikan atau jumlah kekayaan, melainkan adalah kepiawaian dalam mengelola keuangan. Orang yang cerdas finansial adalah mereka yang mampu bersikap baik dan benar dalam mengendalikan (thirfity), menyimpan (saving) dan menghasilkan (invest) uang.

Thursday, February 21, 2008

Money, Money, Money so the Song Says!

Times change, people change, the world advances, but the importance of money remains the same for everyone. You like it or you hate it. You either yearn for it or you fritter it away. But the one thing you cannot do is ignore it. This piece of printed paper has a complete hold on everyone’s life. The importance of money in our life is accurately expressed by Rebecca Johnson in 'Vogue'. She says, “Money is the opposite of the weather. Nobody talks about it, but everybody does something about it.”

Money has served as the medium of exchanging goods and services for more than 5000 years. Different people have adopted or adapted different forms of money all over the world. These forms offer an insight into the nature of money and the history of its use. We might presume that we are familiar with all forms of money but that would be presuming wrongly. For example, did you know that ‘axes’ were once used as money?

Even today, money is being preserved in a variety of monetary forms. Many banks and governments in the western world store their reserves as ingots of gold. With the evolution of light weighted paper notes, bank notes, cheque books to 21st century’s instant credit cards, man has always preferred convenient alternative spending-power. Modern technology has made it possible for us to live in a cashless society where plastic cards offer instant credit and money can be removed from bank accounts through telephone lines.

Functions of Money :

Money is used as the medium of exchanging goods/services and the means of payment. It is the store of value or wealth in accordance to the common belief that the form of money retains value over time. Loans and payments and deals are agreed to and contracted upon in terms of money. Money is considered as the best means of settling future accounts. It is referred as the liquid asset and is a causative factor as well as controller in the economy.

Know your old age partner a little better

Pensions have traditionally been payments made in the form of a guaranteed annuity to a retired or disabled employee, or to a deceased employee's spouse, children, or other beneficiary. A pension created by an employer for the benefit of an employee is commonly referred to as an occupational or employer pension scheme.

There are different types of pensions available today, but the two main types are: 'occupational schemes' - for those employed by a company with five or more staff, and 'personal pension plans' - for the self-employed or those exempt from an occupational scheme.

Occupational schemes can be paid as a 'defined benefit', which means that the retirement fund is calculated using an employee's age, final salary and length of employment, or as money purchase', in which case the amount paid out when the individual retires is only dependent on the size of the fund, regardless of how many years the person in question has actually worked for the company.

In a personal pension plan (PPP), the self-employed and those unable or choosing not, to join an employer's (occupational) pension scheme, can take out a PPP. There are limits on the contributions you can make based on your age and percentage of earnings. Maximum 25 per cent of the fund will be available at your retirement in the form of tax free cash. The balance amount can be used to buy a pension scheme.

An ideal opportunity for small investors

Foreign exchange currency trading is the practice of exchanging one country's currency for another country's currency. Currency trading involves four main variables: currencies, exchange rate, time, and interest rate. The interplay of these variables creates opportunities for small investors to obtain investment returns that are generally unheard of in the traditional investment world.

Today, over 85 per cent of all daily transactions involve trading of the major currencies, which include the US Dollar, Japanese Yen, Euro, British Pound, Swiss Franc, Canadian Dollar and the Australian Dollar. The most often traded or 'liquid' currencies are those of countries with stable governments, respected central banks, and low inflation.

Unlike other financial markets, the Forex market has no physical location, no central exchange. It operates through an electronic network of banks, corporations and individuals trading one currency for another. This lack of a physical exchange enables the Forex market to operate on a 24-hour basis, moving from one time zone to the next, across each of the world’s major financial centres every day.

The objective of currency trading is to exchange one currency for another in the expectation that the market rate or price will change so that the currency you bought has increased its value relative to the one you sold. If you have bought a currency and the price appreciates in value, the trader must sell the currency back in order to close the position, and hopefully to realise the profit.

How first timers can overcome their nightmares?

Through a stockbroker or share dealing service, you can either buy or sell shares. At present, there are a number of services available for you to buy or sell shares i.e., via Internet, through telephone or postal dealing services.

The commission charged by the stockbroker or share dealing service may depend upon the kind of service that you’re looking for. The cheapest way to deal in shares is usually on an 'execution only' basis, which means that a broker will act on your instructions to buy or sell but will not give you advice on the merits of the transaction.

But if you’re new to share dealing, there are a few factors to consider before investing your money. Firstly, you need to calculate how much money you’ve available to buy the shares. Remember that share value can decrease as well as increase, so make sure you aren't investing money that you cannot live without.

Also think about how long you want to invest your money for. Are you looking to create an income from your shares through dividends, which are paid twice a year, or do you want to create a lump sum through the increase in share value (capital growth)? Asking yourself these questions will help you determine the type of portfolio that you want to put together.

Although share dealing is always going to pose a certain amount of risk, there are ways to minimise the possibility of losing money. One way is to invest in 'blue chip' companies. A blue chip is a well-established, highly successful company with a good track record on the Stock Exchange and they offer investors a more secure option, although even this can never be guaranteed.

Another way to minimise risk when share-dealing is to spread your investment over a number of different companies and industries as this will help you avoid losing your entire investment wealth should one particular company or industry suddenly come crashing down.

Maximise your returns through smart investment

Investing your money into the market is no child’s play, since there is always an element of risk attached to it. It’s simple logic! The more you're prepared to take a gamble, the better the returns will usually be.

Before investing, it’s important to ask yourself few questions like: Am I prepared to take the risk of investing? If not, the interest earned on your savings account would be ideal for you. Secondly, don't invest if you can’t live without it, or if it might change your life if you lose it. Thirdly, remember that investment is a long-term plan. For instance, if the stock market crashes, you might have to wait for some time (six months or more at times) before you get your money back or make a profit.

If you’re sure about your investment, then here are some of the products:

Stocks and Shares - By buying shares you’re actually giving companies your money to help them run their business. In return, if they’re successful and their share price goes up, you’ll benefit from the rise in value. Equally, if the company's value falls, you'll be losing money.

Unit Trusts and Investment Trusts - Unlike shares, Unit Trust puts your money into several companies at once. This way, you're spreading your risk across the fortunes of many companies, whereby some might lose money, but some will rise in value. Also, a Trust contains not just your money, but others also, and this larger pot of cash usually gets the Trust a better deal. Most important, your funds are managed after by a Fund Manager whose job day-in and day-out is to look for the best place to park your funds.

Tracker Funds - They invest widely in top companies and are called trackers because they (usually) track the FTSE Index (which is an indicator of how well the stock market is doing). Basically, they are a logical extension of trusts. So, if the FTSE goes up then the value of your investment goes up and vice versa. Trackers are just an easy way to tell what's going on with your cash.

Bonds - Bonds are a loan given to the government for a set length of time, usually between three months and five years. But, because there's no risk, they don't pay back particularly well.

Property – As prices of property is sky-rocketing in many areas, buying and selling property can be very lucrative. However, a lot of money is required to start with, and if the value of your property falls, you stand to lose a large amount of money.

All said and done, it’s important that you don’t jump into investment without getting an advice from Independent Financial Adviser. For stocks and shares, you need to know about the way stockbrokers charge. Basically, there are two types - discretionary and execution-only. Discretionary is where a broker will take your money and invest it as they see fit. This cost more than execution-only, where a broker will simply put your cash into the companies you ask them to. Finally, don't forget that you do have to pay tax on your profits from investing. The government offers some investment schemes which are tax-free.

How to make the most out of it?

Before opening up a savings account you need to know the reason for putting the amount aside- whether it’s for a holiday, further studies, marriage etc. Once you’ve decided what you’re plans are, then consider whether you’ll be able to save regularly, when you’ll require the money, and do you need quick access to the money.

At present, there are a number of banks and building societies where you can park your funds, but they will not bring you good returns. Some of them do pay a bonus if you don’t make a withdrawal for a certain period, but if you do so, your interest rate is affected. There are others who specify a minimum amount that you need to keep in the account for it to remain alive.

If you’re contemplating on opening a savings account, here are some of the options available:

Notice accounts – In notice account you cannot withdraw the money before time, which is specified during the opening of the account, as you stand to lose interest for the number days. The advantage of opening a notice account is that it gives better interest rate than the others. So also, the more number of notices with you, the better interest rate you’ll get.

Postal accounts – Since it is done through the post, it enables the provider to offer higher rate of interest. Most postal accounts use first class post, but then at times you do have to rely on the efficiency of the post.

Regular savings accounts – If you’re able to save a set amount each month then this account is ideal for you. Though it allows only one or two withdrawals a year, and a handful of them offer bonus.

Fixed rate accounts – Here you get an access to your money deposited plus a fixed rate interest after a period of time. In fixed rate account, interest rate can increase or fall and you’re only affected once the fixed period is over.

Managing Your Hard Earned Cash

Good Money Management
For any organization, getting the most out of its cash resources is not possible by keeping a tight grip on its monies. How well an organization is run is best reflected in the ways that it spends its working capital. If, in the purchase of a fax machine, there is a possibility of saving even a penny, a smart organization would find that possibility and make that saving. Mind you, it’s not the same as penny pinching. It’s one of those time-tested ways of getting the maximum mileage out of your cash reserves. And the principles of money management apply as much to individuals as they do to organisations.

Good money management is vital if you don’t have enough of it. In the case of a voluntary organization, the responsibility for money management rests upon the shoulders of the finance management committee. Such committees usually monitor the voluntary organization’s finances by careful budgeting. For control of their cash corpus, they look beyond inactive cash in floats and go for bank accounts such as ‘Treasurer’s account’. Such accounts generate more interest while the principal amount is lying idle.

Term Deposits
Another good idea on this route is the term deposit. Depending on the timing of cash needs, one could place the money in a term deposit, thus maximizing the interest generated.

More mileage for charity
If you are a charity organization, it is advisable to inform the bank. Because then the bank will support your effort by adding gross interest to the account. Charities should utilize the tax benefits allowed them. Tax paying donors can be encouraged to use covenants or gift aid, because they are entitled to relief on the payment.

Charity organizations must maximize their earnings by ensuring that dues are collected as quickly as possibly and payments are delayed as far as is reasonably possible. The organization can use the full credit terms offered by a supplier. However some care should be taken so as to avoid penalty interest. Delayed VAT and tax payments to suppliers can be counter-productive as it may jeopardise future supplies. Secondly, one must also compare the benefits of a discount offered by the supplier for early payment, with the loss of interest incurred by making the payment early.

Tame the bulls and bears
An even better option would be to invest amounts that would otherwise lie idle for a long time, into investment instruments such as stocks and shares. Avoid the equity route altogether (as you would not want to subject the organization’s money to the high risk and volatility of the bourses). Opt instead for instruments, like debt, that generate steady returns.

Buying fixed assets
Every organization has to spend a good portion of its working capital in the purchase of necessary equipment or fixed assets. Such purchases are known as capital purchases. Depending on the organization’s resources, it is important to consider and compare the payment options available when making capital purchases. The options would include outright payment as well as ‘hire purchase’ or ‘lease purchase’ schemes. Hire purchase schemes are effectively loans so there would be a cost of borrowing added to the overall amount. This needs to be considered against factors such as inflation rate, interest rate, to determine which one is a better option: outright payment or lease purchase. Consider also the penalties for early repayment.

Whether you are an organization or an individual, take particular care to monitor the movements in your cash reserves, evaluate the true worth every benefit you get and watch every outgo – including the tax you pay. If you do all these things then you are sure to keep debt at bay.

Keeping Hold of Your Money

Saving money is the most convenient way of building wealth though it isn’t the most sensible material to save. The value of money remains fixed. However the same sum of money may not always buy the same amount. Therefore the best way of saving money is to invest your money by exchanging it for something that will last in value or increase, or lend it an interest, so that you get back more than you lent.

However in this money-oriented world where you need to pay even for drinking water money saved is money earned. There is no such thing as a free lunch. It is the most difficult task to find a cheap place to spend the night.

Still, saving money is just about the easiest thing imaginable that only requires a little creativity and self-discipline. If you make saving a part of your wage criteria and utilize your brain more than your bank account, you can be rich in no days.

Listed below are a few ways of saving your precious money.
  1. Quit smoking and drinking.
  2. Keep a safe distance from ATM cash point machines that charge a fee for every transaction.
  3. Try to raise the insurance deductibles on your car.
  4. Prefer eating breakfast at home and carrying your lunch box everyday.
  5. Take your own time to buy anything that is expensive. There is a chance that you may forget it.
  6. Cut off the exorbitant health club fees by following a healthy diet and exercise regimen; exercise outside in the warmer months.
  7. Silk flowers may not have the freshness and scent but will save your money from buying flowers that wilt off in a day. Gift homemade treats.
  8. Smart purchasing is another effective key to saving money. It is advisable to take an inventory of your current needs before you decide to turn pennies into pounds through the saving route. Begin with the biggest item that has the potential to save more. Following are few tips for starters:
  9. House Mortgages: Owning a home is one of your biggest expenses. If the interest rate of buying a home on mortgage is 9 ¾% and 7 ¾% interests is available in the market, then you are paying a big price for not investigating on the available options.
  10. Home repairs, improvements and remodelling are quite an expensive affair. Therefore it is always wise to get things compared.
  11. The car is your next big expense. Calculate the best monthly instalment for your budget. Avoid mistakes as these can cost you on monthly basis. Think of ways by which you can economize and save the money in maintenance, insurance and operating expenses.
  12. Credit Card Debt is one of the biggest financial drains for most of the families in UK. To have a better control over your spending, stop being extravagant and dump all your high interest credit cards.
  13. Telephone: Although the local phone services in UK is currently monitored and has fixed pricing, it is the long distance phone calls that can worry you.

If you are living in a country like Finland where everything is taxed beyond all proportions, saving money can be a tough job. In Finland, a pint of lager (it isn't even a pint, but a lousy half litre) will cost you €4.5 Euros. At the current rate of exchange, it is a bit over £3. Therefore cut down your extravagant habits if you want to save money.

Making Some Money, a Few Ideas!

Very few people get rich by their wages. But if you are an intelligent investor, you can be one of the elite groups. You can continue to make astounding gains if you are well versed with the stock market. You can also make thousands from the property market, gold, or by investing in the right sector at the right time. Of course, making millions of pounds everyday is not everyone’s cup of tea. But if certain ways are followed one can certainly achieve this with a special kind of knowledge.

Your hobbies can fetch you a few million pounds. Skills, contacts and knowledge that are gained and developed in hobbies like upholstery, or interior design, gardening or picture framing can boost your income. Such skills are god-gifted. Right from selling your work to teaching the craft to others, there are plenty of opportunities of making money.

If you are planning to set up a new venture, plan carefully to make it a success. You can come up with millions of ideas when you sit idle. All you need to do is take pen and paper and catch every idea that passes through your mind and jot it down. The ideas should be unique and should be your own invention. You can take suggestions from your family members and friends. Once you have finalised the theme of your new venture, research on similar businesses in your area. Find out what people want.

The Internet can be another lucrative area for creative people. Individuals with a talent for writing, drawing, photography or music can use the Internet to make enough to live comfortably at the same time do what they like to do professionally.

Wednesday, February 20, 2008

zawya.com - Sukuks to enjoy double-digit growth until 2010

Maulana Pribadi (masabiairi@yahoo.com) has sent you this story.
Message:    Assalamu'alaykum wR wB, Sudah saatnya Indonesia menerbitkan sukuk. Semoga pemerintah dan DPR segera menyusun undang-undang sukuk.......... Maulana Pribadi
Sukuks to enjoy double-digit growth until 2010
19 February 08 - Emirates Business 24/7

Growth in new sukuk, or Islamic bond, issues is expected to remain in double-digits in the next two years despite current constrained liquidity, according to a latest research report.

MOST POPULAR  (Last 24 Hours)
1.  GCC Clouded By Inflation - Emirates Business 24/7
2.  Sudanese Billionaire - Financial Times
3.  Celine Dion Live in Dubai - Press Release
4.  Valentine Day Ban - AFP
5.  UAE Govt. Reshuffles Cabinet; Lubna Replaced - WAM (Emirates News Agency)
6.  Limitless Reaches New Heights with Jordan's Tallest Towers - Press Release
7.  Strikes in UAE Blamed on Indian Minimum Wage Comment - Gulf News
8.  Iran begins production at giant oil field - AFP
9.  Inflation May Delay VAT Introduction In The GCC - Emirates Business 24/7
10.  Abu Dhabi licence plate No.1 wins record Dh52.2m - Gulf News
Copyright © 2006 ABQ Zawya Ltd. All rights reserved. Please read our User Agreement
Your Email:
This email address will be used to email the Newsletter only , and will not be used for any other purposes.
Please note: Our Newsletter will be sent in HTML format only.

Sunday, February 10, 2008

Re: [cerdasfinansial] RE: The Power of Duplication.

Assalamu'alaykum WR WB,

Alhamdulillahi Robbil'aalamiin wa solatu wa salamu 'ala asrofil anbiyai wal mursaliin Muhammadin wa 'ala alihi wa sohbihi wa ajma'iin


SUKSES yang paling utama adalah ketika diri kita bisa membebaskan diri dari segala bentuk peribadahan/penyembahan/penghambaan/kecintaan/kecendrungan/kegandrungan atas/kepada/terhadap segala sesuatu, kecuali Allah Subhanahu wa Ta'ala. Sebagaimana firman Allah dalam Al Quran:

"Dan (ingatlah) ketika Ibrahim berkata kepada bapak dan kaumnya: "Sesungguhnya aku melepaskan diri dari segala apa yang kamu sembah, kecuali Allah saja Tuhan yang telah menciptakan aku, karena hanya Dia yang akan menunjukiku (kepada jalan kebenaran)" (Al Quran surah Az-Zukhruf (43) : 26-27)

Diriwayatkan dalam Shahih (Muslim), bahwa Nabi Muhammad Shallallahu 'Alaihi Wasallam bersabda:

"Barangsiapa mengucapkan "LA ILAHA ILLALLAH" dan mengingkari segala sembahan selain Allah, haramlah harta dan darahnya, sedang hisab (perhitungan) nya adalah terserah kepada Alla 'Azza wa Jalla."

Demikian semoga bisa menjadi perenungan kita bersama.......

Billahi taufiq wal hidayah wassalamu'alaykum wa rohmatullohi wa barokatuhu,

Maulana Pribadi