visi misi masa depan

Tugas bahasa inggris bisnis

Nama: Pramagusti Tsabit Sabili

Kelas: 3EB10

NPM: 25216774

My name is Pramagusti Tsabit Sabili . I was born in Klaten,March 10th 1998. Currently, I live in Jalan Rawajati number 02, Pancoran , South Jakarta. I student  from Gunadarma  State University majoring in accounting, Here, I would like to talking aboout my future.

            Vision for the next 10 years. First my initial goal was to graduate from Gundarama state University . second i graduate with a good grade.

            Before i am graduate i was Businessman is my future career. I think it was the best choice of my future career because businessman is someone who a good intelligent in selling and buying product. 

     The best choice of my future is businessman. There are a lot of benefits when I do this job. First, I can set my own rules. I did not have to open the shop on time and did not have to wearing a uniform. Second, I have many relations with other people. The last, businessman is the job which does not have the limited age. 

     Businessman has a good intelligent in selling and buying product. Businessman usually have the own way to face the problem from the costumers. I have to be patient to face the costumers. Moreover I have to be careful with the fake costumers. It can be dangerous for my business. Hard work is also important in my business career. Without all of the intelligent, it is hard to become a success businessman. 

     Businessman is the best choice in my future career because there are a lot of benefits when I become a businessman. There are so many important things when I want become a success businessman. I have to be patient, be careful, and be a hard worker. That is all important things when I become a success businessman.

https://squline.com/perkenalan-diri-dalam-bahasa-inggris/

http://bankzfrey92.blogspot.com/2012/11/businessman-is-my-future-career.html

https://www.academia.edu/9333777/contoh_visi_misi_pribadi_10_tahun_kedepan?auto=download

tugas 6. Surat Resmi Bisnis

Name         : Pramagusti Tsabit Sabili

NPM          : 25216774

Class          : 3EB10

Jakarta, January 10, 2019

Ms. Nita Tiara  
Chief Executive Officer
Wardana Financial Firm
Kelapa Dua Street number 12

Dear, Mr. Pramagusti Tsabit

I am writing this letter to invite you in a business meeting, regarding to our cooperation. The topic that will be brought is about my intention and plan to do research and audit. I am as the leader of a financial firm expects the cleanness of my institution and keeping trust of my clients to invest their fund in my company. This meeting is confidential because I need to analyse the report of the audit by myself. I have arranged the schedule of the meeting.

Date : Friday, January 12, 2019
Time : 09.00 a.m. to 11 a.m.
Place : kalyan Coffee Shop barito, Jakarta Selatan

Thank you very much for your attention. I hope that we could have great work together. We look forward to hearing from you soon.

Sincerely yours,

Ms. Nita Tiara
Chief Executive Officer

Refrensi:

https://www.caramudahbelajarbahasainggris.net/2016/04/4-contoh-surat-bisnis-dalam-bahasa-inggris.html

Tugas 7. Giving a formal Presentation

Manager     : Assalamuallaikum Wr.Wb. This morning I will ask the division managers, especially the marketing manager gusti sabit, and the rest to the manager of production and finance. To manager sabit , how was the marketing of our products for the past 1 month?

Sabit           : Good morning evryone. My name is gusti sabit  and I am delighted to be here today to talk to you about marketing activities during the past month. Firstly I will talk about market demand fell by as much as 45% from last month, we have made every effort to increase market turnover but demand for our products continues to decline everyday.

Manager     : what? how can market turnover drop so drastically, even though we have just added raw material to the production section and taken the company's cash for that. What is the cause?

Sabit           : We have researched in the field that there is a kind of product like us that has more portions and has a distinctive aroma. Make consumers curious and moving on to the product.

Manger       : Thanks for the explanation. In this case, we must act quickly so that we can get the market back.

Production : Do we have to make new products and increase product quality?

Finance       : If you add quality, the funds spent must increase and make new products have higher prices, does that not affect the purchasing power of consumers?

Manager     : This of course happens, by making new products that require large funds, as well as different raw materials and machines that must be updated. We recommend that we continue to run the old product but by adding innovation to the product.

Production  : What if we make instant noodles with a variety of traditional cooking tastes in various countries, by looking at consumer preferences for traditional cuisine in other countries.

Manager     : good idea , we can take innovation from sabit. Is production ready to make it?

Production  : ready, the production department will try to work with genuine South Korean chefs, for the success of this product.

Manager     :Okey, I give full responsibility to the production staf about that. Can financial management achieve all production costs? Can I see the financial statements this month?

Finance       : If cash is collected from previous months, management is ready to finance production, and this the report.

Manager     : After I see it, indeed if we take from the cash in the previous months, it is able to finance production, because this month's profit is below the usual average due to this problem. Well, I agree if you take from the cash in the previous months.

Finance       : okey, the financial department will arrange the overall costs needed for production.

Manager     : Okay, this work can be done starting this month. I hope everyone can be responsible for their respective duties for the smooth operation of this production. And for marketing managers must be more creative in the future to market this product.

Sabit           : In marketing this product later, marketing will hold an event about the uniqueness of our products before being officially marketed, making advertisements showing Korean chefs cooking our instant noodles, so consumers can taste bulgogi food like the original and then consumers become satisfied. And the target market that can be achieved is we try all regions of Indonesia.

Manager     : Very good innovation. I hope that the innovation can be planned and produce the results that work. 

Tugas 6 Making Responding to Suggestion and Controlling the Discussion in a Meeting

PT GEMILANG JAYA Has launched its newest product, which is beauty soap products.

The head of the company intends to hold a meeting on evaluating the results of sales on the expenditure of the newest product.

The company is led by Mrs. Khusyala, with a secretary and there are several parts in the company including: Marketing staf, Production staf, Finance staf.

Direktur                : Hello, everyone. Thank you for coming today. As you can see from the agenda, we’ll be talking about opening of new products to be launched on January 4, 2018 I want to listen to the report from the section I invite production staf.

Production staf   : Thank you, mrs in here, I will talking about our products, this product is called White Beauty, which is produced by our product Softcare in the form of beauty soap that is different from most other beauty soaps.

Klien                     : What does everyone think about beauty shoap?

Production staf   : I’m convinced that the beauty soap compared to natural ingredients that are not taken into account chemicals that can damage the skin and are suitable for all skin types and also maintain skin moisture and we make this special beauty soap for teens. What does everyone else think?

Klien                     : No thank you, I completely agree.

Direktur                : Okey Thanks to the production department, maybe I just want a little the quality and quality of our products, please at So that there are no side effects that long time only, then I want to listen to the report from marketing section please.

Marketing staf     : Thank you to the Director's mother, who invited me to present the results of our work, we will first present our first product, white beauty with the slogan emit charm beautiful with white beauty. we are from marketing already taking into account the strategy of how to sell this product, that is, we will promote our products in the first way, making television advertisements.

Klien                     : where the product will be sell?

Marketing staf     : To sell our products, I have collaborated with several parties - foreign  center parties, Indomaret, Alfamart, Carefure, Transmart, Pharmacies and some official outlets in Indonesia. So our network is wide to be ready to market our products, thanks for that report.

Direktur                : All right, next the finance department for talking the results of the report.

Finance staf       : Thank you, the director, I, from the finance department, have detailed all the total expenses that have been spent on launching our new product firstly the production cost of 1 pack of 11,000 x 8000 packs worth 88 million both advertising costs and 121 million in costs incurred for lauching new products worth 176 million, based on the- total costs incurred in the production and financing process so we set the selling price as hard as 25 thousand perpick currently the number of unused companies is 189 million.

Direktur                : Yes, thank you financial department, actually there are no internal obstacles our finances because the budget that we spend is in accordance with what we set at the beginning so for further stabilization again and more minimized every expenditure to fit the budget, maybe I think there are no obstacles / problems in preparing to lauching our products so hopefully the product we are ready to be lauched on 4 January and all the preparations are ready and I have finished this meeting later I returned it to the secretary please.

Secretary            : Thank you to the director, I will read the results of our meeting Today, the first launch will be held on January 4, 2018, the second of our products to be launched is called white beauty produced by Soft Care, the strategy used to market this product is. making advertisements on television and newspapers. The fourth distribution of goods has also covered all parts of Indonesia so that our goods will be distributed as a whole on January 4, 2018, the five costs that will be issued for launching our products are worth 176 million, the selling price is 25 thousand and the last is the company's financial unused is worth Rp. 890,000,000.00.  That will be all for today thank you and good morning.

All                         : okey thank you and good morning

Laporan produk

1.  TYPE OF PRODUCT

Spaghetti is one of the favorite foods that people like to consume in Indonesia. This can be seen from the large number of Indonesian people who consume spaghetti. This is because spaghetti gives easy in the making  process and spaghetti is considered as a substitute for the rice we consume.

The bolognese sauce to complement spaghetti is usually made from minced beef, tomato paste, olive oil, oregano, and onion. Per 100 grams of spaghetti bolognes contains 162 calories, 4 grams of fat, 48 mg of cholesterol, 101 mg of sodium, 18 grams of carbohydrates, and 12.6 grams of carbohydrates.

2.  WHY CHOOSE PRODUCT

Another advantage of spaghetti is that this food can make us feel hungry, it is caused by the carbohydrate content in high spaghetti. In addition, spaghetti products are very easy to find, as in malls, even in Indomart  that sell them. In addition, spaghetti can be consumed by all people.

3.  MARKETING STRATEGIES

Marketing Strategy used  is 4 P, Promotion. So that the products offered are quickly recognized by the public. The goal is expected to obtain as many consumers as possible so that the company is expected to get as much profit as possible.

4.  MARKETING PROGRAMS

Marketing programs planned :

· Promotion of products to consumers through print media, brochures

· Following the weekly culinary events held by the government, the aim is for consumers to know the products offered.

5.   CONCLUSION

we offer a food product that will be rich in nutrition and sorry. Because spaghetti sausages contain nutrients that can make us feel hungry. In addition, many benefits of consuming sausage spaghetti, for example the presence of lactose, which is carbohydrate spaghetti sausage that can provide energy. Another advantage of spaghetti is that this food can make us feel hungry, it is caused by the carbohydrate content in high spaghetti. In addition, spaghetti products are very easy to find, such as in big malls, even in Indonesian stores that sell them. In addition, spaghetti can be consumed by all people.

Refrensi:

http://divisiitima.blogspot.com/2015/10/contoh-penyusunan-laporan-bisnis.html

CONTOH SURAT RESMI

LATTER SERVICE

The undersignedis director of PT.SinarJaya hereby give official duties to:

Name                    : Pramagusti Tsabit Sabili

Position                : Marketing staff

NPM                      : 25216774

Adress                  : Jl. Rawajati Timut VI No. 2 Jakarta

To make a written report on the financial situation in Bandung branch office. And handed it over to the director of the main headquarters of PT.SinarJaya

Thus official letter was given to do with a sense of responsibility. On the attention and cooperatin we thank you.

Jakarta, 31 October 2018

 President Director

PT.SinarJaya

Kanya Azalea

REFRENSI:

https://i0.wp.com/rocketmanajemen.com/wp-content/uploads/2017/03/Contoh-surat-resmi-bahasa-inggris.jpg

FINTECH

Pengerian

          “Fintech adalah sebuah sebutan yang disingkat dari kata ‘financial’ dan ‘technology’, di mana artinya adalah sebuah inovasi di dalam bidang jasa keuangan.

Era teknologi merupakan sebuah era di mana kehidupan dan aktivitas masyarakat akan lebih mudah dan efektif dikarenakan peran dunia digital.

Salah satu jenis startup yang mulai naik daun adalah pada bidang Fintech.

Fintech adalah sebuah sebutan yang disingkat dari kata ‘financial’ dan ‘technology’ di mana artinya adalah sebuah inovasi di dalam bidang jasa keuangan.

Inovasi yang ditawarkan Fintech sangat luas dan dalam berbagai segmen, baik itu B2B (Business to Business) hingga B2C (Business to Consumer).

Sejarah

Perkembangan FinTech di Dunia

FinTech di dunia digital diawali dengan kemajuan teknologi di bidang keuangan. Perkembangan komputer serta jaringan internet di tahun 1966 ke atas membuka peluang besar bagi para pengusaha finansial untuk mengembangkan bisnis mereka secara global.

Di era 1980an, bank mulai menggunakan sistem pencatatan data yang mudah diakses melalui komputer. Dari sini, benih-benih FinTech mulai muncul di back office bank serta fasilitas permodalan lainnya. Di tahun 1982, E-Trade membawa FinTech menuju arah yang lebih terang dengan memperbolehkan sistem perbankan secara elektronik untuk investor. Berkat pertumbuhan internet di tahun 1990an, model finansial E-Trade semakin ramai digunakan. Salah satunya adalah situs brokerage saham online yang memudahkan investor untuk menanamkan modal mereka.

Tahun 1998 adalah saat di mana bank mulai mengenalkan online banking untuk para nasabahnya. FinTech pun menjadi semakin mudah digunakan masyarakat luas, juga makin dikenal. Pembayaran yang praktis dan jauh berbeda dengan metode pembayaran konvensional membuat perkembangan FinTech semakin gencar. Layanan finansial yang lebih efisien dengan menggunakan teknologi dan softwaredapat dengan mudah diraih dengan FinTech.

Perkembangan FinTech di Indonesia

Munculnya Asosiasi Fintech Indonesia (AFI) menjadikan fintech sorotan pada September 2015. Asosiasi ini bertujuan untuk menyediakan partner bisnis yang tepercaya dan dapat diandalkan untuk membangun ekosistem fintech di Indonesia yang berasal dari perusahaan-perusahaan Indonesia dan untuk Indoensia sendiri. Sampai saat ini terdapat 140 pengguna fintech di Indonesia dengan 55 dari pengguna telah menjadi anggota organisasi.

Pada 2016, Peraturan Otoritas Jasa Keuangan Indonesia (POJK) mengeluarkan kebijakan peraturan baru mengenai fintech tentang peminjaman off balance sheet oleh pasar dan oleh proses transaksi pembayaran oleh Bank Indonesia

Jenis jenis fintech

klasifikasi fintech di Tanah Air menurut Bank Indonesia (BI) berikut ini antara lain:

Crowdfunding dan Peer-to-Peer Lending

Marketplace yang mempertemukan orang yang ingin mengajukan pinjaman dengan orang yang bersedia memberikan pinjaman. Sama seperti yang dilakukan oleh Investree sebagai pionir peer-to-peer (P2P) lending marketplace. Investree dan mayoritas portal P2P lending lainnya menjadikan proses pinjam meminjam menjadi lebih simpel karena prosedurnya yang tidak berbelit-belit—dapat diselesaikan dalam waktu kurang dari seminggu—dan lebih terjangkau. Di akhir prosesnya, peminjam mendapatkan pinjaman berbunga kompetitif sedangkan pemberi pinjaman memperoleh pengembalian berupa pokok pinjaman dan bunga dari dana yang dipinjamkannya.

Market Aggregator

Portal yang mengumpulkan dan mengoleksi berbagai informasi pilihan layanan keuangan untuk disajikan kepada pengguna. Informasi tersebut kemudian dapat dibandingkan untuk menentukan produk keuangan terbaik mulai dari kartu kredit, kredit, asuransi, hingga investasi. Sebagai contoh, saat ini Anda sedang mencari produk kartu kredit dengan persyaratan tertentu. Dengan mengakses dan membandingkan informasi melalui portal market aggregator, Anda bisa mempelajari kelebihan dan kekurangan setiap produk dan memilih kartu kredit yang paling sesuai dengan persyaratan Anda.

Manajemen Risiko dan Investasi

Kalimat lainnya: perencanaan keuangan dalam bentuk digital. Dengan fintech jenis ini, Anda akan dibantu untuk mengetahui situasi-kondisi keuangan Anda serta melakukan perencanaan keuangan secara mudah dan cepat. Cukup mengandalkan smartphone, Anda tinggal mengisi data-data yang diminta untuk mengetahui rencana keuangan yang tepat, sesuai dengan kebutuhan dan kemampuan Anda.

Payment, Clearing, dan Settlement

Anda pasti familiar dengan e-wallet dan payment gateway, dong? Keduanya termasuk dalam fintech jenis ini. Memberikan layanan sistem pembayaran baik yang diselenggarakan oleh industri perbankan maupun BI seperti Bank Indonesia Real Time Gross Settlement (BI-RTGS), Sistem Kliring Nasional BI (SKNBI), hingga BI Scripless Securities Settlement System (BI-SSSS), portal ini ada untuk menyederhanakan proses transaksi online.

META ANALISI

Penulis	tahun	variabel	Metode	Hasil
Buana Sari,P & Dwilita,H Mufli,M Ferry Hendro Basuki  & Hartina Husein  Ramon Adianto Djunanto, Frederik Samuel Papilaya  Irma Muzdalifa, Inayah Aulia Rahma, Bella Gita Novalia	2018 2017 2018 2018 2018	Independent Independen Dependent independent Independent	Deskriptif paradigma penelitian kualitatif kualitatif dengan pendekatan deskriptif. kualitatif dan kuantitatif. kualitatif	pemahaman dan praktek keuangan masyarakat Sumatera Utara secara garis besar telah baik dan dapat menjadi pendorong penerapan fintech di Sumatera Utara melalui pemanfaatan financial techology berbasis crowdfunding platform yang telah terbukti mampu menjadi alternatif sumber pembiayaan suatu project karena melibatkan banyak pihak melalui koneksi internet. Financial Technology yang diimplementasikan memberikan kekuatan, kelemahan, ancaman, peluang bagi dunia perbankan secara bersamaan sehingga membuat para bankers harus memperbaiki infrastruktur teknologi informasi agar dapat berkolaborasi dengan fintech. Pada gilirannya akan membuat peningkatan layanan dunia perbankan sehingga kastamer semakin mendapatkan pengalaman terkini terkait layanan perbankan digital. Berdasarkan penelitian yang sudah dilakukan, maka dapat disimpulkan bawa EUCS dapat digunakan dalam mengidentifikasi tingkat kepuasan pengguna sistem terhadap sistem BDS yang ada pada perusahaan bank swasta di Indonesia. Penggunaan EUCS memberikan dampak yang positif dalam mengukur tingkat kinerja sistem dalam penggunaannya. Fintech berasal dari istilah financial technology atau teknologi finansial. Fintech secara Global menunjukkan secara pesat Fintech berkembang di berbagai sektor, mulai dari startup pembayaran, peminjaman (lending), perencanaan keuangan (personal finance), investasi ritel, pembiayaan (crowdfunding), remitansi, riset keuangan, dan lain-lain

Kesimpulan:

          Maka yang dapat di simpulkan dari metaanalisi yang di buat tentang fintech ialah fintech telah banyak membantu perkembangan keuangan di indonesia lebih tepaptnya teknologi tentang keuangan yang dahulu di indonesia masi memakai manual sekarang sudah berkembang akibat masuknya fintech ke indonesia.

Refrensi:

https://www.finansialku.com/definisi-fintech-adalah/

https://blog.modalku.co.id/blog/sejarah-dan-perkembangan-fintech/

https://www.investree.id/blog/peer-to-peer-lending/fintech-menurut-bank-indonesia-kenali-jenis-dan-manfaatnya

https://www.cekindo.com/id/perkembangan-teknologi-finansial-fintech-di-indonesia.html

Basuki,F.H.(2018).  ANALISIS SWOT FINANCIAL TECHNOLOGY

PADA DUNIA PERBANKAN DI KOTA AMBON. Jurnal manis, VOL. 2(1): 60-74

Mulfi, Muhammad. (2017). Rancangan bangunan model bisnis Islamic financial technology berbasiscrowdfunding pembiayaan usaha mikro sector pertanian. Jurnal Nisbah, Vol 3 (1): 300-314

Muzdalifa, Irma. (2018). Peran Fintech dalam meningkatkan keuangan inklusif pada umkm di Indonesia (Pendekatan Keuangan Syariah). Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, Vol. 3 (1): 1-24

Djunanto,R.A. (2018).

 ANALISIS KEPUASAN PENERIMAAN PENGGUNA AKHIR SISTEM BRANCH DELIVERY SYSTEM (BDS) PADA LAYANAN TELLER CASH RECYCLER (TCR) MENGGUNAKAN END USER COMPUTING SATISFACTION (EUCS) DAN ISO/IEC 12207:2008 PADA PERUSAHAAN BANK DI INDONESIA. Jurnal Sistem Informasi Indonesia (JSII) Volume 3 Nomor 1 (2018)

Buana Sari,P. Dwilita,H.(2018).

 PROSPEK FINANCIAL TECHNOLOGY (FINTECH) DI SUMATERA UTARA DILIHAT DARI SISI LITERASI KEUANGAN, INKLUSI KEUANGAN DAN KEMISKINAN. Jurnal Kajian Akuntansi Vol.19 No.2 Maret 2018