Lack of Confidence

It's really easy for Me to feel unconfidence to my self and it's been going for along time. When there is someone give Me a negative comment about my self then suddenly I feel down. Bu not only by saying some negative thing, just by looking the way people's look at Me, I can feel down too.

Somehow I can understand what people's mean by the way they look at Me (or may be I'am too sensitive). I know when they happy to see Me or not too interested in Me. I know when they appriciate me or laugh on Me, just by looking the people's eye (and once again it can be because I'am too sensitive).

Honestly it's really uncomfortable. It such I have a phsicology problem. I hate when I'am easy to feel down and sad. I wanna be a strong woman but feel so hard. I need support from the peoples around Me, specially for those I love. But I hate to say it, I want them to do it not because I ask them to do that, but I want them support Me because they love Me. Asking them to do it jus make Me feel they aren't sincere to help Me (another sickness :'( )

Just want to write down this feeling.

Thank you :)

Review Jurnal of "Testing For Competition in The South African Banking Sector"

Testing For Competition in The South African Banking Sector

Joshua G. Greenberg dan Witness Simbagenavi

2009

I. Introduction

Perbankan adalah salah satu sumber keuangan penggerak perekonomian suatu negara. Biasanya, untuk kasus negara berkembang, perbankan adalah sumber pembiayaan investasi terbesarnya.

Maka dari itu penting untuk mengetahui bagaimana tingkat Banking Competition dari suatu negara agar dapat membantu transmisi kebijakan moneter sehingga tercapai target dari kebijakan moneter yang diinginkan.

Penelitian ini menggunakan dua  non-strucutral methods, yaitu :

1. Panzar and Rosse Approach

2. Bresnahan Model

Data yang digunakan adalah :

1. Untuk Panzar and Rosse Approach menggunakan data 1998 - 2007

2. Untuk Bresnahan Model menggunakan data 1997 - 2008

II. Literature Review

2.1 Banking Competition Theory

Ada dua metode utama dalam mengukur tingkat banking competition, yaitu dengan structural methods dan unstructural methods. Untuk structural methods melihat dari sisi karakteristik perbankan. Beberapa penelitian terdahulu menggunakan metode ini namun mendapat kritikan dari berbagai pihak, sehingga dalam penelitian ini menggunakan unstructural methods untuk mengukur banking competition di South Africa.

2.2 Overview of The South African Banking Sector

Terdapat penelitian terdahulu yang menunjukkan bahwa tidak ada praktek kartel pada sistem perbankan di South Africa. Namun, meski demikian tetap dibutuhkan adanya intervensi pada sistem perbankan di sana terkhusus pada masalah "biaya pindah bank" dan membantu nasabah jika ingin melakukan perpindahan bank. Agar nasabah tidak merasa "terkunci" ketika masuk ke dalam satu bank.

Terdapat 22 bank yang terdaftar di South Africa dan 4 dari bank tersebut mendominasi sektro perbankan dengan melihat share aset dan share deposit yang mereka miliki dibandingkan dengan total aset dan deposit yang dimiliki oleh seluruh bank.

2.3 Prior Research

Beberapa penelitian terdahulu menunjukkan bahwa pada sektor perbankan di South Africa, terjadi high concentrated.

Sedangkan penelitian yang dilakukan oleh  Claessens dan Lauven (2003) menunjukkan bahwa di South Africa sektor perbankannya tergolong high level of competition. Hasil penelitian tersebut sejalan dengan hasil penelitian ini.

3. The Panzar and Rosse Approach
Asumsi dari model ini adalah (1) That banks operate in their long run equilibrium dan (2) That banks hold a homogenous cost structure.

Hasil dari penggunaan metode ini adalah :
(1) Untuk kelompok bank besar, tergolong ke dalam Highly competition : hal ini terjadi sebab untuk bank besar,  mereka berkompetisi pada skala nasional atau bahkan internasional.
(2) Sedangkan untuk kelompok bank kecil, tergolong ke dalam monopolistic competition : berkompetisi untuk skala daerah.

4. The Bresnahan Model
Model ini ingin melihat bagai harga dan kuantitas bereaksi terhadap perubahan pada variabel eksogen.
Model ini menggunakan data time series.

Kesimpulan dengan menggunakan model ini adalah untuk semua bank berada pada Perfect Competition.

5. Conclusion
Dengan menggunakan dua model di atas yaitu The Panzar and Rosse Approach serta The Bresnahan Model   menunnjukkan hasil yang saling mendukung yaitu struktur perbankan di South Africa adalah perfect competition.

Hey, look at this :D @CampUIBerkebun

What I'm thinking tonight was about my farm. As I wrote before, I join in CampUIBerkebun, one of branch from Indonesia Berkebun.,

I have posted the picture when we did our first planting. And now, let me share the newest condition of our farm and the fresh vegetables :D

This is it!

#Firts Seedbed

Corn

Look at our corn, "stand strong" :D Hopefully can give us a fresh corn., the age of this corn is almost two months, seems like we need to wait until a month again before harvesting it :D

#second seedbed

beans *is that right ? hhe

Just the same with the corn, the age of this bean is almost 2 months. Actually, this was the first time for me to understand that baby  beans is look like this hehehe and understand the way how they grow up heheh

#still on secong seedbed

Cucumber

Wuhuuu, there are our two months cucumbers :D ., They live happily with the beans on the same seedbed, why some of us as a human being, still figt each other ? *lohhh hehehe. Can't wait to eat them hohoho. Don't you ? :P

#Third seedbed

Tomatoes

Our  two months tomatoes!!! We have many tomato plants. Can you imagine when all of them have the red tomatoes ?? wuhuuu. Must be so beautifulll :D. Just sharing, tomatoes are good for our skin ;). Can protect our skin from the sunlight, so our skin won't burn quickly if always eat red tomatoes. Do you wanna try ? :D

#Forth seedbed

eggplant

We just harvest the spinach in this seedbed, and now use it for planting the eggplant. There are eggplant seedlings :) . So, we already have corn, beans, cucumber, tomatoes and eggplant seedlings. :D But we have another plants.

Here they are :

Kacang Koro

Papaya

Daun Gedi

So, that's all our vegetables., plant them from the seed., take care them by watering them and give them organic fertilizer and could see them be like this is a one of a happiness :)

One of my lecturer told me that become a farmer has a philosophy. To enjoy the result of our seeds, we have to be patient to take care them until we can eat the fruit. Just the same with the happiness, to get our happiness, we have plant it 20 years before "harvest" it. :)

Gowes In the morning, yeahhhh :D

Yuhuu, Cycling in the morning using campus bike :D
Started from Engineering Faculty., then passed Economic Faculty, Social Sciences Faculty, Phsycology Faculty, Law Faculty, and the last arriving at railway station of Pondok China :D.

University of Indonesia is a nice place for doing something like this. Has a cycling path and shady trees everywhere. Some lakes in this university make it more beautiful.

Actually a bit weird cycling by my self, but as time goes by, I enjoyed it :D

Along cycling time, I met some peoples. There were a grandfather, students that want go to class, cleaning service and campus bike guards.

The grandfather was doing cycling too, I'am as a young woman (wehehehe) envy with him. He still tough to do that.

Now, arriving at my room.,
So let's take a bath :D

what i'm doing tonight :)

Now, I'm sitting in front of my note book, while thinking what I should to write on my blog.

There are wallet, pencil box, books, bags and my water bottle on the table. These things meet my table.
What exactly that I do tonight is thinking about my thesis. I don't find yet the best topic for it, moreover, I have to collect it next week. -.-

Some of topics already running on my head, but just running, they don't stop for staying hehehe

Once you read this blog, please pray specially for me and generally for all of my friends so we can finish our research soon :D

Markibunnn, Mari Kita Berkebunn !! :D

Yuukk Ngebunnn hehe..

Sekarang ngebun jadi hobi baru saya :D , yaa walaupun ilmu berkebunnya masih cetek hehe, at least sudah pernah megang cangkul lah hhe.
Sebenarnya sudah lama saya gabung di komunitas berkebun ini, awalnya di Makassar, namanya MksrBerkebun, salah satu cabang dari Indonesia Berkebun yang di pelopori oleh Ridwan Kamil. Waktu di Makassar, gak terlalu aktif banget sih hehe.

Setelah melanjutkan studi di UI, merasa bosan juga kalo kegiatanx kuliah kosan aja hhe. Akhirnya gabung deh sama UIBerkebun. Awalnya sih mikir, kalo UIBerkebun sudah punya lahan dan saya tinggal ikut gabung dan ikut nanam trus panenn,, ternyata eh ternyataa.. lahannya pun belum ada -.- . Sedikit kecewa waktu itu..

Tapi tidak lama setelah cari info mengenai UIBerkebun, para calon penggiat UIBerkebun ternyata sudah menemukan lahan dan siap untuk diolah jadi kebun! yeyyy..
Niat awal yang tadinya mau langsung nebeng aja, eh malah ikut menyiapkan lahannya, heheh..
Tapi selama proses penyiapan lahan, yaa sedikit banyak memberi pelajaran, ketemu teman baru dengan berbagai macam karakter dan salah satu anggota dari komunitas ini sedikit banyak menguji kesabaran saya heheh *apa sayanya emang gak sabaran ya ? heheh

Setelah mengolah lahan kurang lebih hampir sebulan, here we go!! Tanam Perdana akhirnya dimulaiii :D *Tanggal 2 Maret 2013

 

 Ini lagi terima materi dari ibu Ida sebelum mulai nanam hehe. Akber Ekspress *Akademi Berkebunn

 Ini lagi bersih-bersih lahan dari gulma dan batu-batuan sebelum kita tanam sayurannyyaaa :D

Ibu Ida lagi jelasin bagaimana cara menanam jagungg :D


Seru kan ???
Yukkk gabung bersama kamii heheh *promosiii

Beberapa Perkembangan Indikator Moneter di Indonesia *First Homework

Mata Kuliah : Ekonomi Uang dan Bank

Dosen            : Ir. Sugiharso Safuan M.E., Ph.D