Blog Belajar Ekonomi

For some people, there was a thought that the movie industry in Hollywood wouldn't get hit by the financial crisis. It turns out that the industry got hit quite hard. Banks aren't so confident to lend producers sums of money for months. While income from theaters nationally decreased, the income from DVD sales aren't good either.The problem got more complicated when the Screen Actors Guild will make a strike again. As the city of angels, LA is getting to be a more and more expensive place to produce a television series says an executive in the industry. Other states like Illinois, Michigan and New York gave tax incentives up to 40 percent for movie or TV production. Two top serial TV had moved to New York.One is 'In Treatment'(HBO) and the other is 'Ugly Betty'(ABC). The governor ,Arnold Schwarzenegger is worried of this situation and asked the State legislators to pass the incentives. Total box office movies produced this year was 67 less than last year...

(BelajarEkonomi.Com)Enterprise Owner Association (Apindo) has recently revised their prediction of total lay offs in Indonesian industries. As mentioned before by it's chairman,lay offs are a must and very difficult to avoid. Actually there are choices for company owners to deal with the crises: 1. A Salary Cut 2. Homing employees, which means only receiving basic salary and no presence and transport pay, and .. 3. The hardest choice which is Total Lay Off. At a recent press conference, the Apindo chairman, Sofyan Wanandi said the figures would reach 1 - 1,5 million lay offs which would peak at the mid of 2009.This is above the ILO prediction of 650,000 (six hundred and fifty thousand) . To support his statement, joined with him in the press conference was Chairman of the Textile Association, Chief of the Association of Shoemakers, Head of Food and Beverages Association, and the Motorcycle industry Association's chief. The unemployment rate would rise 9 percent caused by t...

(BelajarEkonomi.Com) The Indonesian banking sector seems to have some growth in the credit sector eventhough the crisis proceeds. The Central Bank's governor said that there has been a lowering of the liquidity because of some policy adopted. Yearly credit growth are 37.1 percent.Investment credit grew at a record figure of 42,9 percent, Working Capital credit went 39 percent.While consumption credit grew 33 percent. The Non Performing Loan(NPL) or known in Indonesia as 'kredit macet' figure is at a stabil rate of 3.9 percent. The Banking sectors CAR (Capital Adequicy Ratio) is still as high as 16 percent. From the central bank's point of view, credit and market risk is currently in a safe level, but could worsen along with the crisis. Projected economic growth for next year of 4.9 to 5 percent would grow the credit rate from 15 to 20 percent says the governor. ( Microblogged by Tresna.Source : KCM) Visit the beauty of Bandung. http://www.visit-bandung.com

(BelajarEkonomi.Com) As a good sign for the world market.The effect of one percent decrease of the Fed Rate already gave confidence to the Indonesian Stock Exchange. The index strenghten 21,15 points to 1.363,98. The LQ rose 1,91 percent to 274,31(Kompas 18 dec 08) These increases are due to the confident market which predicts that the lowering of the Fed Rate would stimulate the US economy real sector which further would hopefully increase world products demand. It is also a good sign that the US government is taking the appropriate actions.

Congratulations. The US of America has voted and they have voted for Barrack Obama. US citizens have great hopes on him. And so does much people around the world is also expecting so much from him. This is also for us in Asia especially in Indonesia . What would be his steps to tackle this crisis? From his campaign it is quiet clear what he will do. Let’s just make this simple. Roosevelt at his time had plans for the US to recover from the Great Depression. His plans while campaigning were also interesting and got the minds of voters. Obama is in some sort of the same situation now. But the thing is .. Can Obama pull it off this time? What Roosevelt did was he created projects such as building the great Roosevelt Dam to absorb the unemployment because he thinks the enemy of an economic crisis is unemployment. This fiscal expansion policy is to regain the economic growth and is also known as a Keynesian economic approach. Now what Obam...

We all know now that the crisis is right here in front of us.   World Oil prices are reaching the heights higher than ever before. To save the national budget the government increased the petrol prices. This causes cost of distribution to increase, which will then increase the prices of daily goods and services. When the prices are higher this means people are holding more money then saving it in the bank. This is what you call inflation. When inflation occurs, the value of money that we are holding gets lower. Cost of living is getting higher each day.   But did you know that there are some people that aren't effected by the crisis ?   Should we go out and join civilians in demonstrations that strike against fuel increases? We can do that. But we will only add one person to the demos. And would the government change their mind lower again the price? I think not.   Let's see what is relevant for us to do. And let's see what we must think now and ...

(Belajarekonomi.com) As the economy of Indonesia moves to the second quarter, there are significant events that could revise the state budget.   As predicted earlier this year the impact of the US Sub-prime mortgage crisis has effects to the world economy. More over, other things that have effects are the on going rising of the world oil price. This rise is carefully monitored by the economic coordinating minister and is said to be a serious issue to the Indonesian economy.   At the near future the program for limiting the petrol consumption is near reality. Some people agree more on just raising the price then limiting the usage. This is because if this limitation occurs then it would affect the economic wheel that runs the economy. Nowadays, people could feel the rise of daily commodities. Some say it is more caused by the distribution problem. Cooking oil is one of them. Small businesses are suffering a lot because of this condition. Al though the conver...

The Indonesian economic condition recently has not been in a good shape because of external and internal factors. The government is working hard in revising the state budget, because there aren’t many options. As targeted at the beginning of the year, the rate of development seems to be at the lower level for the target between 6,2 – 6,8 % . Meanwhile the inflation rate at the beginning of 2008 has risen to the rate around 6 – 6,5% from the earlier target of 4 – 6 %. Last January the inflation rate has reached a level of 1.77% and Year to Year reached 7,36%.Quite a high figure regarding that the target is around 4-6%. These figures have risen because the macroeconomic indicators have worsened due to external conditions such as the sub prime mortgage crisis in the US . The central bank’s revised prediction of the US ’s economic growth from 1.9 % to 1.5% shows the pessimism. While the latest World Economic Growth was also corrected from 4.4% predicted to 4.1 %. Th...

(Belajar Ekonomi.Com HQ Bandung) As predicted before, the world stock markets have tumbled beyond all recognition. This is because Bush’s USD 145 Billion Stimulus Package, still waiting for congressional approval which meant to cut tax rates to boost the consumption rate, is believed by the world market to give only small impact. The London market (FTSE Index), one of the prestigious stock market of Europe and one of top indicators of the European Market yesterday fell 5.48 %. Paris ’s CAC 40 decline 6.83%. While German’s Frankfurt DAX fell 7.16%. The Madrid Stock also went 7.54% lower. The south American Market took effect after the European market. Sao Paulo ’s index fell 6%, Buenos Aires index fell 4.64% and the Mexican fell 4.77%. Previously the Asian market fell in concerning figures. The Tokyo Nikkei closed 3.86% lower to 13,325.94. The Hanseng Index of Hongkong fell 5.5% lower. Chinese Shanghai Composite declined 5.1% and the Indian 7.4 %. Last week’s...

UKM atau UMKM adalah suatu usaha yang memiliki karakteristik tertentu baik dalam modal atau cara pengelolaannya. Dalam bahasa Inggris UKM dikenal sebagai SME (Small and Medium Enterprises) Ada 3 kelompok yang bisa dikategorikan sebagai UMKM : Usaha Mikro , yakni bersifat suatu usaha yang dikelola individu secara tradisional, informal. Belum berbadan hukum dan memiliki hasil usaha maksimal Rp100 juta Usaha kecil yakni usaha yang memiliki kekayaan maksimal Rp 200 juta, tidak termasuk tanah dan bangunan tempat usaha, memiliki penjualan tahunan tidak sampai Rp 1 milyar, bersifat usaha perseorangan yang bisa berafiliasi ataupun tidak dengan usaha menengah skala besar, bisa berbadan hukum ataupun tidak berbadan hukum ataupun koperasi. Usaha Menengah, yaitu usaha yang memiliki kekayaan bersih antara 200 juta rupiah sampai Rp 10 milyar, tidak termasuk tanah dan bangunan usaha.Bisa berafiliasi ataupun tidak dengan usaha yang lebih besar, bisa ataupun tidak berbadan hukum atau kopera...

Kewirausahaan memiliki beberapa definisi, diantara definisi yang cukup terkenal adalah yang dikeluarkan oleh Zimmerer dan Scarborough (2005) yang mendefinisikannya sbb: An Entrepreneur is one who creates a new business in face of risk and uncertainty for the purpose of achieving profit and growth by identifying significant opportunities and assembling the necessary resources to capitalize on them. Dari atas kita bisa menyimpulkan bahwa seorang entrepreneur /wirausahawan adalah orang yang berani menanggung resiko atas bisnis yang dia tekuni. Orang tersebut juga melihat bahwa terdapat suatu peluang luar biasa dalam suatu bidang. Dari konsep tersebut tergambar pula bahwa wirausahawan tersebut mengetahui berbagai cara yang untuk mengoptimalkan sumber daya (resources) yang ia miliki dalam rangka modal usaha dan modal dari pengembangan usahanya . Wirausahawan tersebut juga memiliki keyakinan bahwa usahanya pasti akan tumbuh dan berkembang baik secara lambat atau cepat. Yang ...

Mungkin anda juga bertanya. Berapa sih nilai dari sebuah lagu di era musik digital saat ini .Terutama buat anda yang bergerak di industri musik, sebelum anda memulai ‘mencari inspirasi’ dalam membuat lagu, ada baiknya anda mengetahui hal ini. Lalu anda akan mengetahui mengapa para artis dunia saat ini sedang ‘doyan’ manggung ke Indonesia dan musisi lokal ada yang sampai tidak membuat album lagi dan lebih baik konser saja karena parahnya pembajakan ‘digital’ saat ini. Sebelumnya kita mesti mengetahui perkembangan dari industri musik dunia saat ini. Saat ini nilai industri musik dunia telah mencapai USD 60 milyar atau setara 600 Trilyun Rupiah. Bukan industri main-main. Tetapi orang-orang yang bergerak di bidang ini sedang ketar-ketir belakangan ini tidak lain-tidak bukan adalah karena pesatnya perkembangan teknologi informasi dan komunikasi (TIK). Dengan pesatnya perkembangan gadget (pranti elektronik), kecepatan akses internet (broadband dan HDSPA) dan teknologi kompresi file digital m...

Tahun 2008 katanya merupakan tahun yang menjanjikan untuk memulai bisnis. Mengapa kita mesti berbisnis.? Ini ekstrim, tetapi bila kita hanya mengandalkan pekerjaan tetap yang kita miliki kita sama saja merencanakan untuk memiliki penghasilan lebih kecil saat kita pensiun nanti karena pensiun biasanya jauh lebih sedikit daripada penghasilan tetap saat ini. Ini sama saja dengan merencanakan untuk menjadi miskin.Planning to be poor (Kyosaki) Tetapi mitos ini bisa dipatahkan bila anda bergaji tinggi, tetapi bisa mengelola keuangan anda dengan baik yaitu dengan menginvestasikan sebahagian penghasilan untuk investasi yang jitu. Teman saya yang kerjanya di Singapura pernah bilang ke saya kalo orang singapura beranggapan kalo kita ingin memiliki pensiun yang layak maka mulailah berbisnis. Mengapa saat kita masih aktif adalah waktu yang baik untuk mulai berbisnis ato tepatnya belajar berbisnis ? Berbisnis itu memiliki prinsip ekonomi High Risk High Return. Artinya : kalo asset anda ingin a...

Di saat seperti ini dimana kehidupan ekonomi bagi sebagian orang kian berat kita mesti pintar dalam mengelola keuangan pribadi kita. Tujuan pengelolaan keuangan pribadi bermanfaat antara lain : mengurangi pemborosan dalam pembelanjaan mengasah intelegensia financial memberi kepuasan karena telah berprestasi mengendalikan keuangan. memberi output berupa investasi Bila kita bekerja atau berbisnis sebagian orang selalu saja merasa kekurangan uang dan seolah kita terlalu terlilit dalam lingkaran hutang yang mana kita merasa tidak memiliki kendali atasnya. Point penting PERTAMA yang mesti kita ketahui adalah : BERAPAPUN BANYAKNYA UANG YANG KITA TERIMA AKAN SELALU HABIS bila kita tidak bisa mengelolanya. Pernah dengar kisah seorang ahli perencana keuangan yang telah melihat berbagai laporan keuangan pribadi nasabahya dan menyatakan bahwa uang banyak tidak menjamin kondisi financial sehat. Si ahli ini mengisahkan contoh 2 orang dengan kondisi yang sangat berbeda. ...