Ladies Room

Lebaran

2007-10-13T21:33:00.000+07:00

Saya selaku pemilik blog mohon maaf lahir dan batin yang sebesar-besarnya kepada segenap pembaca dan teman-teman blogger.

Minal Aidin Wal Faidzin

(Semoga kita) termasuk orang-orang yang kembali kepada yang fitrah dan (semoga kita) menjadi orang yg beruntung dengan mendapatkan rahmat, pengampunan dari segala dosa, serta terhindar dari api neraka

Amin

Forex History

2007-08-07T23:20:00.000+07:00

As a whole retail trading, is more structured than the FOREX market. Whilst FOREX trading has traded since the conception of financial markets modern retail trading has only been around from the early nineties. Before the retail investors had little option and did not have a wide range of options to choose from to enter the FOREX market. Investors could open several bank accounts and each bank account would be in a different currency. Investors would transfer funds from one bank account to another profiting from fluctuating currency exchange rates. The problem with this method was that the transaction costs far outweighed the profit due to the limited or small amounts traded by the investors and these transactions were at the very bottom of the FOREX daily trading market.

Towards the end of the nineties new market makers were taking advantage of the developments in web technology that clearly made retail FOREX trading practical and more profitable to the smaller investors. New internet or online companies felt that there was enough liquidity in the FOREX trading market eventually also within their own client base guaranteeing markets over all. The companies that created online trading platforms that provided a quick, easy way for individual’s to trade in the Forex Spot market have helped investors to participate. These companies have combined there investors money giving them access to the higher trading arenas and reduced the spread. As the market grew market makers improved and gave better prices eventually reaching investors.

By allowing customers to inflate all movements many times over in the world of online currency exchange no transaction actually leads to physical delivery to the client andall positions will eventually be closed out. Market makers therefore are able to offer high leverage up to 4/1 leverage is available in equities and 20/1 in Futures. It is extremely common to have 100/1 leverage in foreign currency trading and some Forex market makers offer 400/1 and above. Typical a 100/1 scenario will see the client absorb all of the risk associated with controlling a position 100 times the capital they are putting up and given that the money is only being used for currency exchange on the market makers books the transaction can proceed. Current spreads for the most common currency pair EUR/USD, is typically 3 pips. Which is an equivalent trade using a bank account would most likely be between 200 to 500 pips, whilst an equivalent trade using cash at an exchange institution would be around 750 to 2500 pips. Currencies are quoted in pairs for example. EUR/USD and. out of convention the currency quoted first was the stronger currency at the time of inception.

Kandidat "Cinta Keluarga"

2007-08-03T12:43:00.001+07:00

Kebiasaan saya kalo pas lagi nonton TV adalah beranjak dari tempat duduk selagi jeda iklan, entah itu ke dapur untuk minum atau hanya sekedar mondar-mandir di depan kaca toilet sambil menyesali kebiasaan ngemil yang membuat pertumbuhan lemak di tubuh saya semakin bergairah saja.Hari ini seperti biasa pas giliran jeda untuk iklan tiba, saya kembali ke toilet untuk yang kesekian kalinya untuk sekedar berpose mengempiskan perut yang mulai berlipat. Selagi berimajinasi berperut rata layaknya Cameron Diaz saya mendengar iklan Pilkada Jakarta yang kalau tidak salah bunyinya seperti ini " karena beliau cinta keluarga bla bla bla". Saya tersenyum mendengar penggunaan kata "cinta keluarga" .

Bapak saya juga pecinta keluarga tetapi kenapa kalau tiba waktu pemilihan ketua RT bapak tidak pernah menang ? usut punya usut ternyata bapak kalo diluaran terkenal bengis, hehehe… maklum kumis tebal bapak jauh beda dari kumisnya mas Andi Malaranggeng atau bahkan sama sekali tidak mirip dengan kumisnya mas Adam suaminya mbak Inul, jadi walaupun bapak di dalam keluarga terkenal lebih baik hati dan lebih sabar daripada mamak saya, tetap saja orang diluaran tidak ada yang tahu. Bapak memang tidak semujur Eyang Bush atau Eyang Suharto. Walaupun sama-sama pecinta keluarga Eyang Bush bisa terpilih jadi presiden bahkan anaknya yang juga pecinta keluarga masih berkuasa sampai sekarang. Begitu juga dengan Eyang Suharto, sewaktu Eyang Suharto masih berkuasa beliau juga termasuk pecinta keluarga lho, beliau tidak akan sanggup melihat anaknya menderita. Jika ada aib yang dilakukan anak-anaknya, beliau akan sekuat tenaga untuk melindungi anaknya supaya tidak menderita karena aib tersebut diketahui orang banyak. Memang kecintaan pada keluarga tidak sebatas keluarga sedarah saja bahkan sampai ada istilah “sing penting mambu dulur”, asalkan “bau” pasti bisa kecipratan hawa cinta ini, bahkan saudara sekampung, senasib dan sepenanggunganpun bisa tersenggol aroma cinta itu. Coba lihat keluarga Widjanarko puspoyo yang harus rela bergiliran untuk diperiksa oleh aparat hukum. Hanya karena saking cintanya pak Widjan sama keluarga, makanya dia dulu tidak rela kalo peluang-peluang jatuh ke orang lain bahkan kabarnya si simpanan juga kecipratan.

Bapak sebenarnya tidak jauh berbeda juga dengan buyut saya, Buyut sangat mencintai keluarganya, jadi tidaklah heran jika dua generasi diatas saya, hampir semuanya pegawai negeri. Buyut mengerahkan segala upaya untuk menyekolahkan anak-anaknya pada jaman itu ... bayangkan saja "jaman semono" bagaimana susahnya nyekolahin anak, tapi buyut maju terus sebagai kepala keluarga yang sangat mencintai keluarganya. Saya kok jadi teringat cerita anggota DPRD yang cinta sekali sama istrinya sampai rela dikecam banyak orang hanya karena ikut study banding keluar negeri yang sekaligus membawa serta anak istrinya jalan-jalan, hehehe “jalan ke nusa dua di hari sabtu, beli dua cuman bayar satu”… lumayan.

Saya menanti-nanti iklan pilkada itu muncul lagi biar saya tahu pasti apa sebenarnya maksud dari "cinta keluarga" tersebut, tapi apapun yang kita tungguin sepertinya lama untuk muncul lagi. Akhirnya saya kembali tersenyum setelah beberapa kali iklan kampanye pilkada Jakarta itu muncul lagi, karena tema sebagai pria pencinta keluarga, pria monogamy, pria baik hati dan suka senyum ternyata tidak diusung oleh satu kandidat saja tetapi malah dipake oleh kedua kandidat pilkada Jakarta tahun ini.

Menurut saya kenapa kok harus mengusung tema "cinta keluarga", bagaimana kalo diganti saja dengan "cinta rakyat kecil"... terlalu klise ya?

Shariah Bank

2007-05-29T01:01:00.000+07:00

There is a race on within the Asian banking system chasing the lucrative US$300 billion a year Islamic financial funds that grow at an estimated 15% each year. Singapore bank DBS have negotiated a position with the Islamic Bank from the Middle East; whose investors are made up from twenty two prominent families and trade groups from the Gulf region. So what is the Islamic bank?

Well the Islamic banking organization is run strictly adhering to Shariah law that does not allow business transaction between companies that deal in gambling or alcohol and forbids the charging of interest to its clients. There is currently US$500 million invested in Singapore Shariah law compliant property and insurance funds. DBS will have the company within its building in Singapore, “Islamic Bank Asia” and will remain the majority share holder of this company. This company will not be dealing with the average man in the street and will be chasing the corporate dollar.

Purely as an example many Shariah banks obviously have to make a profit, however the bank may enter into a profit sharing agreement with the client, but not charge the client any interest. Investors in a Shariah bank may be happy not to take any profit completely sticking to the law in its entirety; also this is probably why DBS in Singapore is only dealing in the easier corporate clients. The large investors whom place their funds in a Shariah bank will find it easy to acquire joint projects with the bank thus alleviating the non interest law. Another example of Shariah business is that all transaction has to be completely open and transparent and if any profit is made the two parties have to declare each others position.