b.ing2

Unreal Conditions: Present and Future
Unreal Conditions: Present and Future

1. If I (have) the day off tomorrow, I would go to the beach.
If I had the day off tomorrow, I would go to the beach.
2. If I (have) a million dollars right now, I would retire.
If I had a million dollars rigth now, I would retire.
3. If I (be) the mayor of this city, I would change certain things.
If I were the mayor of this city, I would change certain things.
4. If that man (work) harder, he could earn more money.
If that man worked harder, he could earn more money.
5. I would gladly tell you the answer, if I only (know) it myself.
I would gladly tell you the answer, if I only knew it myself.
6. If Don and I (have) enough money, we would buy a house.
If Don and I had enough money, we would buy a house.
7. If the weather (be) better right now, we could go for a walk.
If the weather were better right now, we could go for a walk.
8. That student would get much higher marks if he (study) harder.
That student would get much higher marks if he studyed harder.
9. If Mr. Smith (call) me, I would explain everything to him.
If Mr. Smith called me, I would explain everything to him.
10. Mr Moore would give up teaching if he (enjoy, not) it so much.
Mr. Moore would give up teaching if he not enjoyed it so much.
11. If I (be) in your place, I would accept Mr. Anderson’s offer.
If I were in your place, I would accept Mr. Anderson’s offer.
12. People would understand you better if you (speak) more carefully.
People would understand you better if you spoke more carefully.

b.ing2

Poem .. Remember
Remember
Remember me when I am gone away,
Gone far away into the silent land;
When you can no more hold me by the hand,
Nor I half turn to go yet turning stay.
Remember me when no more day by day
You tell me of our future that you plann'd:
Only remember me; you understand
It will be late to counsel then or pray.
Yet if you should forget me for a while
And afterwards remember, do not grieve:
For if the darkness and corruption leave
A vestige of the thoughts that once I had,
Better by far you should forget and smile
Than that you should remember and be sad.

Poem .. Beautiful Dreamer

Beautiful Dreamer
Beautiful dreamer, wake unto me,
Starlight and dewdrops are waiting for thee;
Sounds of the rude world heard in the day,
Lull'd by the moonlight have all pass'd away!
Beautiful dreamer, queen of my song,
List while I woo thee with soft melody;
Gone are the cares of life's busy throng.
Beautiful dreamer, awake unto me!
Beautiful dreamer, awake unto me!
Beautiful dreamer, out on the sea,
Mermaids are chaunting the wild lorelie;
Over the streamlet vapors are borne,
Waiting to fade at the bright coming morn.
Beautiful dreamer, beam on my heart,
E'en as the morn on the streamlet and sea;
Then will all clouds of sorrow depart,
Beautiful dreamer, awake unto me!

tugas b.inggris bisnis 2

How to increase your TOEFL score...

The Test of English as a Foreign Language, or TOEFL (pronounced /ˈtoʊfəl/ TOH-fəl), evaluates the ability of an individual to use and understand English in an academic setting. It sometimes is an admission requirement for non-native English speakers at many English-speaking colleges and universities. Additionally, institutions such as government agencies, licensing bodies, businesses, or scholarship programs may require this test. A TOEFL score is valid for two years and then will no longer be officially reported[1] since a candidate's language proficiency could have significantly changed since the date of the test.[citation needed] Colleges and universities usually consider only the most recent TOEFL score.
The TOEFL test is a registered trademark of Educational Testing Service (ETS) and is administered worldwide. The test was first administered in 1964 and has since been taken by more than 23 million students. The test was originally developed at the Center for Applied Linguistics under the direction of Stanford University applied linguistics professor Dr. Charles A. Ferguson.[2]
Policies governing the TOEFL program are formulated with advice from a 16-member board. Board members are affiliated with undergraduate and graduate schools, 2-year institutions and public or private agencies with an interest in international education. Other members are specialists in the field of English as a foreign or second language.
The TOEFL Committee of Examiners is composed of 12 specialists in linguistics, language testing, teaching or research. Its main responsibility is to advise on TOEFL test content. The committee helps ensure the test is a valid measure of English language proficiency reflecting current trends and methodologies.


How to increase your TOEFL score...
1) Listen to the radio
If you have trouble with the listening section, here is an easy and effortless way to improve your skill. Turn on your radio, or any channel on TV that speaks English only 24/7. Even though you don’t understand what it is saying, just keep it on.
The key here is that you eventually will “absorb” the language. Your brain will adjust to the new sound and improve your listening skill, or sharpen it if you’ve already been familiar with the language. We all know that those who live in a foreign country eventually will be able to listen and understand its native language, if they stay there long enough. The same idea applies here, what you’re doing is basically manipulating an environment where you constantly have to face with the unfamiliar language.

2) Word of the day
Other than the words that you collected from reading, a word of the day can be a great way to expand your vocabulary even further. Pick one word that you heard everyday and write it down. If you are too busy to do so, subscribe to Dictionary.com, they will send a new word everyday straight to your inbox, with its meaning, origin, root word, etc.. Also, as you learn by studying root word, your vocabulary will exponentially increase. And I assure you, 100 points on the TOEFL IBT should be a cake.
Many force themselves to learn 5 to 10 new words per day. And worse, they do not learn, they memorize, which in my opinion is the biggest mistake of all time. I say this to everyone i know, and can’t stress this enough, Memorize As Least As Possible. Once in a while, you will have to, but minimize the chance. How long can you possibly remember the things you memorize? 1 month, or say 3 months. After a period of time, you will forget. But if you learn the word, then you would greatly extend the time, possibly 1 year or so.


3) Root word, prefixes, suffixes
Every time you memorize a word, you merely capture the image and order your mind “hey, whenever you see this word, it means this and this”. Of course, your mind would say “Sir yessir”, but soon will forget after some time. Now, is it much better if you tell your mind “hey this word means this and this because of this and this” And it’s where the root word comes in.
In English, words are composed of 3 basic components: root words, prefixes and suffixes. Root word is the basic part which define the meaning of the word. For example, bio- life, aut- or auto- self, dic- or dict- say, are root words that you commonly see. Prefix is part that is connected at the beginning of the word which would change its meaning. And in the contrary, suffix is part that is connected at the end of the word which would also change its meaning.


4) Read
Probably some of you will not like it, but i apologize, until now, there is no shorter way to increase your vocabulary as rapidly as reading.
There are tons of opportunities for you to read everyday. The most common ( and obvious) way is reading books. Just pick one that you like, and read them. Remember, you do not want to bore yourself to death. Another alteration of books would be news and magazines, or online articles. If you’re reading my article, great job! Keep this up and you’ll be better at no time.



5) Music
When do you listen to music? During work, on the way to school, on the bus, before bed, in the morning, in the afternoon, during break,…? You listen to songs all day long. So why don’t we turn it into a way to improve our listening ( and a bit reading) skill at the same time? Shall we?
First, pick some English songs that you like, and google for its lyrics. Read the lyrics and look up for any new word that you find. As you listen to the song, these words eventually will stick in your head =] You even can sing-a-long to practice your pronunciation.

Please excuse for my English. Feel free to comment if you find any mistakes or any parts that is confusing. I’d greatly appreciate it.


Unduh:
http://en.wikipedia.org/wiki/TOEFL









Subject-Verb Agreement

1. Neither Bill nor May is going to the play tonight.
2. Anything is better than going to another movie tonight.
3. Skating is becoming more popular every day.
4. A number of reporters were at the conference yesterday.
5. Everybody who has a fever must go home immediately.
6. Your glasses were on the bureau last night.
7. There was some people at the meeting last night.
8. The committee has already reached a decision.
9. A pair of jeans was in the washing machine this morning.
10. Each student has answered the first three questions.
11. Either John or wife makes breakfast each morning.
12. After she had perused the material, the secretary decided the everything were in order.
13. The crowd at the basketball game was wild with excitement.
14. A pack of wild dogs has frightened all the ducks away.
15. The jury is trying to reach a decision.
16. The army has eliminated this section of the training test.
17. The number of student who have with drawn from class this quarter is appalling.
18. There is been too many interruption in this class.
19. Every elementary school teacher has to take this examination.
20. Neither Jill nor her parents has seen this movie before.


Verbs as Complements

1.The teacher decided to accept the paper.
2. They appreciate having this information.
3. His father doesn’t approve of his going to Europe.
4. We found it very difficult to reach a decision.
5. Dona is interested in opening a bar.
6. George has no intention of leaving the city now.
7. We are eager returning to school in the fall.
8. You would be better of buying this car.
9. She refused to accept the gift.
10. Mary regrets to be the one to have to tell him.
11. George pretended to be sick yesterday.
12. Carlos hopes finishing his thesis this year.
13. They agreed to leave early.
14. Helen was anxious to tell her family about her promotion.
15. We are not ready stopping this research at this time.
16. Henry shouldn’t risk driving so fast.
17. He demands to know what is going on.
18. She is looking forward returning to her country.
19. There is no excuse for leaving the room in this condition.
20. Gerald returned to his home after to leave the game

Tugas B.inggris Bisnis 2

Present Perfect
1. Mr. Harris has taught Enghlish at this school for five years.
2. I have written three or four letters to that company.
3. The student in the class have done those two lesson already.
4. I have knew Professor Moore for more than twelve years.
5. Richard has took three course in Enghlish at this school.
6. Those steps are dangerous. I have fell on them several times.
7. Mr. Kramer have been in the United States for three years.
8. The janitor has already shut to the back door.
9. The students have read all of the stories in that book.
10. Marjorie has chosssen ad pretty dress in the party.
11. I have spoke to my boss about the problem several times.
12. Tat tree has grown at least five feet since last year.
13. Miss King has spent over eighteen hundred dollar since May.
14. Mr. and Mrs. Smith have bought a new house in the North Plains.
15. The real estate agent have sold the Smith’s old house.
16. Charles has had a bad cold for a whole week.
17. I’m sorry, I have forgot for that name book.
18. We have already heard that new song several times.
19. Mr. Wilson insn’t here. He has gone out of town for the weekend.
20. Mr. Kennedy has wore his blue suit to the office only twice.
21. I have sat in this same seat since the first day of classes.
22. The money in isn’t in this drawer. Someone have stolen it!
23. Up to now, I have understood every lesson in the book.
24. We have had absolutely no trouble with our car so far.
25. No one have found that’s girls purse and gloves yet.
26. The weather have been very warm ever since last Thursday.
27. Mr. Anderson and Mr. Brown have had lunch already.
28. I have seen the EmpireState Building hundreds of times.
29. We have already spoke to the director and has given him the messages.
30. Grandmother has never flown in an airplane before.
31. You have tore your shirt! There’s a hole in the left sleeve.
32. I have already read the costumer’s letter and have written a reply for him.






50 Irregular Verbs
Infinitive  Past Tense  Past Participle = Makna

1. abide  abode  abode = tinggal
2. arise  arose  arose = muncul
3. awake  awoke/awaked  awoke/awaked = membangunkan
4. be  was, were  been = ada
5. bear  bore  borne, born = menderita
6. beat  beat  beaten = memukul
7. become  became  become = menjadi
8. befall  befell  befallen = menimpa
9. begin  began  begun = memulai
10. behold  beheld  beheld = melihat
11. bend  bent  bent = membengkok
12. bereave  bereft  bereft = merampas
13. beseech  besought  besought = memohon
14. betake  betook  betaken = pergi
15. bid  bade  bidden = mengundang, memohon
16. bind  bound  bound = mengikat
17. bide  bode  bidden = menawarkan
18. blow  blew  blowen = menghembus
19. break  broke - broken = mematahkan, memecahkan
20. breed  bred  bred = memelihra
21. build  built  built = membangun
22. bring  brought  brought = membawa
23. burn  burnt  burnt = membakar
24. buy  bought  bought = membeli
25. catch  caught  caught = menangkap
26. come  came  come = datang
27. dig  dug  dug = menggali
28. do  did  done = berbuat
29. draw  drew  drawn = menggambar
30. drink  drank  drunk = minum
31. drive  drove  driven = mengendarai
32. eat  ate  eaten = makan
33. fall  fell  fallen = jatuh, turun
34. feel  felt  felt = merasa, merasakan
35. find  foud  found = mendapat
36. fly  flew  flown = menerbangkan
37. forget  forgot  forgotten = lupa, melupakan
38. get  got  got = mendapatkan
39. give  gave  given = memberi
40. go  went  gone = pergi
41. know  knew  known = mengetahu, mengerti
42. meet  met  met = bertemu
43. make  made  made = membuat
44. pay  paid  paid = membayar
45. redo  redid  redone = memperbaiki ulang
46. sleep  slept  slept = tidur
47. tell  told  told = menceritakan, memberitahukan
48. win  won  won = memenangkan
49. wring  wrung  wrung = memulai
50. write  wrote  written = menulis

























30 Things In My Desk
1. Pencil = Pensil
2. Purse = Dompet
3. Eraser = Penghapus
4. Coloring pencil = Pensil warna
5. Stabillo = Stabilo
6. Dictionary = Kamus
7. Laptop = Komputer jinjing
8. Internet modem = Modem internet
9. Calculator = Kalkulator
10. Handclock = Jam tangan
11. Books = Buku buku
12. Magazine = Majalah
13. Notebook = Buku Catatan
14. A vas of flowers = Bunga bunga dalam vas
15. Mini lamp = Lampu kecil
16. Handphone = Ponsel / telepon genggam
17. Earphone = Earphone
18. Newspaper = Koran
19. Glue = Lem
20. Scissor = Gunting
21. Small mirror = Cermin kecil
22. Papers = Kertas-kertas
23. Flashdisk = Flashdisk
24. Glass = Gelas
25. Novel = Novel
26. Printer = Printer
27. Pen = Pulpen
28. Shavings = Serutan pensil
29. Mouse = Mouse komputer
30. Working paper = Makalah










50 Things In The Office


1. Table = Meja
2. Chair = Kursi
3. Computer = Komputer
4. Keyboard = Keyboard
5. Mouse = Mouse
6. Internet modem = Modem internet
7. Printer ink = Tinta printer
8. Printer= Printer
9. Television = Televisi
10. Radio = Radio
11. Music Player = Pemutar musik
12. Magazine = Majalah
13. Newspaper = Koran
14. Cutter = Silet
15. Pen = Pulpen
16. Pencil = Pensil
17. Eraser = Penghapus
18. Map = Peta
19. Telephone = Telepon
20. Faksimile = Mesin fax
21. Bag = Tas
22. Calculator = kalkulator
23. Papers = Kertas kertas
24. Books = Buku buku
25. Flower vase = Vas bunga
26. Wall clock = Jam dinding
27. Photo frame = Bingkai foto
28. Bookcase = Lemari buku
29. Handphone = Ponsel
30. Blanket = Tempat sampah
31. Lamp = Lampu
32. Electric switch = Saklar listrik
33. Table lamp = Lampu meja
34. Mirror = Cermin
35. Curtain = Tirai
36. Pencil case = Kotak pensil
37. Camera = Kamera
38. A glass of water = Segelas air
39. Dispenser = Dispenser
40. Lem : Glue
41. Air Conditioner = Pendingin udara (AC)
42. White board = Papan tulis
43. Marker = Spidol
44. Nameplate = papan nama
45. Ornamental plants = Tanaman hias
46. Door = Pintu
47. Window = Jendela
48. Calender = Kalender
49. Cubicel = Bilik kerja
50. Buku tulis : Writebook

Sejarah Pasar Modal

Sejarah Pasar Modal
Dalam sejarah Pasar Modal Indonesia, kegiatan jual beli saham dan obligasi dimulai pada abad-19. Menurut buku Effectengids yang dikeluarkan oleh Verreniging voor den Effectenhandel pada tahun 1939, jual beli efek telah berlangsung sejak 1880.

Pada tanggal 14 Desember 1912, Amserdamse Effectenbueurs mendirikan cabang bursa efek di Batavia. Di tingkat Asia, bursa Batavia tersebut merupakan yang tertua ke-empat setelah Bombay, Hongkong, dan Tokyo.

Zaman Penjajahan

Sekitar awal abad ke-19 pemerintah kolonial Belanda mulai membangun perkebunan secara besar-besaran di Indonesia. Sebagai salah satu sumber dana adalah dari para penabung yang telah dikerahkan sebaik-baiknya. Para penabung tersebut terdiri dari orang-orang Belanda dan Eropa lainnya yang penghasilannya sangat jauh lebih tinggi dari penghasilan penduduk pribumi.

Atas dasar itulah maka pemerintahan kolonial waktu itu mendirikan pasar modal. Setelah mengadakan persiapan, maka akhirnya berdiri secara resmi pasar modal di Indonesia yang terletak di Batavia (Jakarta) pada tanggal 14 Desember 1912 dan bernama Vereniging voor de Effectenhandel (bursa efek) dan langsung memulai perdagangan.

Pada saat awal terdapat 13 anggota bursa yang aktif (makelar) yaitu : Fa. Dunlop & Kolf; Fa. Gijselman & Steup; Fa. Monod & Co.; Fa. Adree Witansi & Co.; Fa. A.W. Deeleman; Fa. H. Jul Joostensz; Fa. Jeannette Walen; Fa. Wiekert & V.D. Linden; Fa. Walbrink & Co; Wieckert & V.D. Linden; Fa. Vermeys & Co; Fa. Cruyff dan Fa. Gebroeders.

Sedangkan Efek yang diperjual-belikan adalah saham dan obligasi perusahaan/perkebunan Belanda yang beroperasi di Indonesia, obligasi yang diterbitkan Pemerintah (propinsi dan kotapraja), sertifikat saham perusahaan-perusahaan Amerika yang diterbitkan oleh kantor administrasi di negeri Belanda serta efek perusahaan Belanda lainnya.

Perkembangan pasar modal di Batavia tersebut begitu pesat sehingga menarik masyarakat kota lainnya. Untuk menampung minat tersebut, pada tanggal 11 Januari 1925 di kota Surabaya dan 1 Agustus 1925 di Semarang resmi didirikan bursa.

Anggota bursa di Surabaya waktu itu adalah : Fa. Dunlop & Koff, Fa. Gijselman & Steup, Fa. V. Van Velsen, Fa. Beaukkerk & Cop, dan N. Koster. Sedangkan anggota bursa di Semarang waktu itu adalah : Fa. Dunlop & Koff, Fa. Gijselman & Steup, Fa. Monad & Co, Fa. Companien & Co, serta Fa. P.H. Soeters & Co.

Perkembangan pasar modal waktu itu cukup menggembirakan yang terlihat dari nilai efek yang tercatat yang mencapai NIF 1,4 milyar (jika di indeks dengan harga beras yang disubsidi pada tahun 1982, nilainya adalah + Rp. 7 triliun) yang berasal dari 250 macam efek.

Perang Dunia II

Pada permulaan tahun 1939 keadaan suhu politik di Eropa menghangat dengan memuncaknya kekuasaan Adolf Hitler. Melihat keadaan ini, pemerintah Hindia Belanda mengambil kebijaksanaan untuk memusatkan perdagangan Efek-nya di Batavia serta menutup bursa efek di Surabaya dan di Semarang.

Namun pada tanggal 17 Mei 1940 secara keseluruhan kegiatan perdagangan efek ditutup dan dikeluarkan peraturan yang menyatakan bahwa semua efek-efek harus disimpan dalam bank yang ditunjuk oleh Pemerintah Hindia Belanda. Penutupan ketiga bursa efek tersebut sangat mengganggu likuiditas efek, menyulitkan para pemilik efek, dan berakibat pula pada penutupan kantor-kantor pialang serta pemutusan hubungan kerja. Selain itu juga mengakibatkan banyak perusahaan dan perseorangan enggan menanam modal di Indonesia.

Dengan demikian, dapat dikatakan, pecahnya Perang Dunia II menandai berakhirnya aktivitas pasar modal pada zaman penjajahan Belanda

Pasar Uang Antar Bank Berdasarkan Prinsip Syariah

Pengertian pasar uang antarbank berdasarkan prinsip syariah (PUAS) diatur dalam Pasal 1 butir4
Peraturan Bank Indonesia (selanjutnya ditulis PBI) Nomor 7/26/PBI/2005 tentang perubahan atas PBI No.
2/8/PBI/2000 tentang PUAS adalah kegiatan investasi jangka pendek dalam rupiah antar peserta pasar
berdasarkan prinsip mudharabah. Mudharabah adalah perjanjian antara penanam dana dan pengelola dan untuk
melakukan kegiatan usaha guna memperoleh keuntungan dan keuntungan tersebut akan dibagikan kepada kedua
belah pihak berdasarkan nisbah yang telah disepakati sebelumnya.

Pengertian lain terdapat dalam Fatwa Dewan Syariah Nasional (DSN) Majelis Ulama Indonesia (MUI)
Nomor 37/DSN-MUI/X/2002 tanggal 23 Oktober 2002 Masehi atau 16 Sya’ban 1423 Hijriyah, menyebutkan bahwa
PUAS adalah kegiatan transaksi keuangan jangka pendek antar peserta pasar berdasarkan prinsip-prinsip
syariah. PUAS merupakan salah satu sarana perangkat dan piranti yang memudahkan bank syariah untuk
berinteraksi dengan bank syariah lain atau unit usaha syariah Bank Konvensional.

PUAS menggunakan piranti Sertifikat Investasi Mudharabah Antarbank (IMA) yang berjangka waktu
maksimum 90 hari. Menurut Pasal 1 butir 6 PBI No. 2/8/PBI/2000, IMA adalah sertifikat yang digunakan
sebagai sarana untuk mendapatkan dana dengan prinsip mudharabah. IMA hanya diterbitkan oleh Kantor Pusat
Bank Syariah atau Unit usaha Syariah Bank Konvensional.

Ada persamaan dan perbedaan antara Pasar Uang Antarbank berdasarkan prinsip syariah (PUAS) dan
Pasar Uang Antarbank Konvensional (PUAB). Persamaannya yaitu :
1.Keduanya merupakan instrumen likuiditas yang fungsinya memudahkan perbankan yang mengalami kesulitan
likuiditas, baik berupa kekurangan maupun kelebihan likuiditas;
2.Keduanya memiliki jangka waktu paling lama 90 hari atau merupakan jenis investasi jangka pendek;
3.Pembayaran dapat dilakukan dengan nota kredit melalui kliring atau bilyet giro Bank Indonesia atau
transfer dana secara elektronis.

Sedangkan perbedaannya yaitu :
1.PUAS tidak mendasarkan transaksinya pada suku bunga melainkan pada pola bagi hasil, sedangkan PUAB
seluruhnya mendasarkan transaksinya pada suku bunga;
2.Peserta PUAS meliputi bank syariah dan Bank Konvensional, sedangkan peserta PUAB hanya Bank
Konvensional;
3.Peranti yang digunakan dalam PUAS adalah sertifikat IMA, sedangkan peranti yang umum digunakan dalam
PUAB adalah promes atau promisary notes;
4.Sertifikat IMA sebagai piranti utama PUAS hanya dapat dialihkan 1 kali, sedangkan terhadap promes dapat
dipindahtangankan berulang kali selama belum jatuh tempo;
5.Dalam perhitungan imbalan peranti utama PUAS tidak mengikutkan sama sekali komponen bunga. Di lain
pihak bunga merupakan komponen utama perhitungan imbalan dalam PUAB;
6.Risiko yang timbul dari aktivitas transaksi pada PUAS relatif jauh lebih kecil daripada risiko
transaksi PUAB;
7.Sertifikat IMA sebagai peranti utama PUAS diterbitkan sebagai tanda bukti penyertaan dalam suatu proyek
investasi, oleh karena itu hanya dapat dipindahtangankan satu kali, sedangkan promes merupakan suatu
negotiable instrument dimana para pihak tidak dibatasi dalam menegosiasikannya hingga waktu jatuh tempo berakhir.

Berikut ini adalah tabel perbedaan antara PUAS dan PUAB:

Tabel 21
Perbedaan antara PUAS dan PUAB
Besarnya imbalan sertifikat IMA yang dibayarkan pada awal bulan dihitung atas dasar tingkat realisasi
imbalan deposito investasi mudharabah pada bank penerbit sebelum didistribusikan sesuai jangka waktu
penanaman. Rumus perhitungan besarnya imbalan Sertifikat IMA adalah sebagai berikut :

X = P x R x t/360 x k

Keterangan :
X = Besarnya imbalan yang diberikan kepada bank penanam dana
P = Nilai nominal investasi
R = Tingkat realisasi imbalan Deposito Investasi Mudharabah
t = Jangka waktu investasi
k = Nisbah bagi hasil untuk bank penanam dana
Sub Konten Lainnya
Sistem Hukum Islam
Hukum Ekonomi Islam
Perbankan Syariah
Sertifikat Wadi’ah Bank Indonesia (SWBI)
Asuransi Syariah
Penyelesaian Sengketa Ekonomi Syariah
Penyelesaian Sengketa Ekonomi Syariah II
Operasional Bank Syariah
Fasilitas Pembiayaan Jangka Pendek bagi Bank Syariah (FPJPS)
Pembinaan dan Pengawasan Bank Syariah