8-,&2%$8-,$1 1$6,21$/8&81 ,
603
,
07V
7$+81 3(/$-$5$1
/(0%$562$/
3$.(7
$
0DWD 3HODMDUDQ +DULIDQJJDO :DNWX
%DKDVD,QGRQHVLD
6HQLQ)HEUXDUL
3XNXOPHQLW
3(781-8.8080
7XOLVQRPRU$QGDSDGDOHPEDUMDZDEDQNRPSXWHU/-.
3HULNVDODKGDQEDFDODKVRDOVRDOGHQJDQWHOLWLVHEHOXPPHQMDZDE 'DKXOXNDQPHQMDZDEVRDOVRDO\DQJ$QGDDQJJDSPXGDK .HUMDNDQSDGD/-.\DQJGLVHGLDNDQ
+LWDPNDQODKEXODWDQSDGDKXUXIMDZDEDQ\DQJ$QGDDQJJDSEHQDUGHQJDQPHQJJXQDNDQSHQVLO% $SDELODDGDMDZDEDQ\DQJ$QGDDQJJDSVDODKPDNDKDSXVODKMDZDEDQ\DQJVDODKWHUVHEXWVDPSDLEHUVLK
NHPXGLDQKLWDPNDQEXODWDQSDGDKXUXIMDZDEDQODLQ\DQJ$QGDDQJJDSEHQDU &RQWRK
D VHEHOXPGLMDZDE $ %
F
'E VHVXGDKGLMDZDE $ %
F
'F VHVXGDKGLSHUEDLNL $ %
F
'3(781-8..+8686
+LWDPNDQODKVDODKVDWXEXODWDQSDGDKXUXI$%&DWDX'\DQJ$QGDDQJJDSEHQDUSDGDOHPEDUMDZDEDQNRPSXWHU
%DFDODK WHNV EHULNXW NHPXGLDQ NHUMDNDQ VRDO QRPRU VG
3HULQJDWDQ 6XPSDK 3HPXGD .H EHUEDVLV SDGD VHQL GDQ EXGD\D 3HPHULQWDK DNDQ PHQ\XJXKNDQ SHUJHODUDQ EHUWDMXN 1XVDQWDUD %HUGHQGDQJ GL KDODPDQ OVWDQD 0HUGHND -DNDUWD XQWXN PDV\DUDNDW $FDUD WHUVHEXW GLNHPDV VHGHPLNLDQ UXSD VHKLQJJD PDPSX PHQFHUPLQNDQNHUDJDPDQEXGD\D,QGRQHVLD 0DNQD NDWD PHQ\XJXKNDQ SDGD WHNV WHUVHEXW
DGDODK $ PHPDPHUNDQ % PHQJKLGDQJNDQ & PHPSHUWXQMXNNDQ ' PHQGHPRQWUDVLNDQ
3HUWDQ\DDQ EHULNXW \DQJ MDZDEDQQ\D WHUGDSDW SDGDWHNVWHUVHEXWDGDODK
$ %DJDLPDQDMDODQFHULWDNHJLDWDQWHUVHEXW" % 'LPDQDSHUJHODUDQ1XVDQWDUD%HUGHQGDQJ" & 6LDSDSHQFHWXVNHJLDWDQSHUJHODUDQWHUVHEXW" ' 3XNXOEHUDSDNHJLDWDQSHUJHODUDQLWXEHUDNKLU" 6LPSXODQLVLWHNVWHUVHEXWDGDODK
$ 3HPHULQWDK PHQJDGDNDQ DFDUD NKXVXV XQWXN PHPSHULQJDWL6XPSDK3HPXGD\DQJNH % $FDUD 1XVDQWDUD %HUGHQGDQJ GLVDNVLNDQ ROHK
PDV\DUDNDWOXDVNKXVXVQ\DGL-DNDUWD
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW$7DKDS,
& 1XVDQWDUD %HUGHQGDQJ LQL GLWXQJJXWXQJJX PDV\DUDNDWNDUHQDVDQJDWPHQDULN
' .HJLDWDQ 1XVDQWDUD %HUGHQGDQJ VXGDK GLFDQDQJNDQSHPHULQWDK
%DFDODK WHNV EHULNXW NHPXGLDQ NHUMDNDQ VRDO QRPRUGDQ
%DKDQNROHNVLSHUSXVWDNDDQGLNHORPSRNNDQ EHUGDVDUNDQIXQJVLQ\D%HUGDVDUNDQIXQJVLQ\D NROHNVL SHUSXVWDNDDQ DGD EHEHUDSD NDWHJRUL \DNQL EXNX SHODMDUDQ SRNRN EXNX SHODMDUDQ SHQXQMDQJ EXNX EDFDDQ EXNX VXPEHU EXNX UHIHUHQVLGDQEXNXWHUELWDQEHUNDOD
3HUSXVWDNDDQPHPLOLNLEHUEDJDLPDQIDDW GDQ IXQJVL 0DQIDDW SHUSXVWDNDDQ \DNQL XQWXN PHQLQJNDWNDQ NHJHPDUDQ PHPEDFD PHPSHUOXDV ZDZDVDQ GDQ PHQFHUGDVNDQ NHKLGXSDQ EDQJVD 6HODQMXWQ\D IXQJVL SHUSXVWDNDDQGLULQFLVHEDJDLEHULNXW)XQJVL HGXNDVL IXQJVL LQIRUPDWLI IXQJVL SHQHOLWLDQ IXQJVLNHEXGD\DDQGDQIXQJVLUHNUHDVL
,GH SRNRN SDUDJUDI SHUWDPD WHNV WHUVHEXW DGDODK
$ FDUDPHPLQMDPEXNXGLSHUSXVWDNDDQ % SHQJHORPSRNNDQNROHNVLSHUSXVWDNDDQ & NROHNVLEXNXEXNXSHUSXVWDNDDQ ' MHQLVMHQLVEXNXGLSHUSXVWDNDDQ
.DOLPDW XWDPD SDUDJUDI NHGXD WHNV WHUVHEXW $IULND'L0XVHXP$VLD ROHK 3DN %XGL VHODNX GLWDQGDLGHQJDQQRPRU $IULNDLQLNDPL EDQ\DN .HSDOD6HNRODK6HWHODK $ PHQLPEDLOPX VHMDUDK VHOHVDL NDPL ODQJVXQJ
%
WHQWDQJ .RQIUHQVL$VLD PHQXMX NHQGDUDDQF
$IULND PDVLQJPDVLQJ'
3HUEHGDDQ SROD SHQ\DMLDQ NHGXD WHNV WHUVHEXW
%DFDODKWHNVEHULNXW DGDODK
%DFDODKWHNVEHULNXW
5LQJNDVDQLVLWHNVWHUVHEXWDGDODK
$ &RQWRKQ\D PHUDZDW GDQ PHOHVWDULNDQ DODP PHUXSDNDQ VDODK VDWX VROXVL XQWXNPHQJDWDVL EDQMLU
% 3HQHEDQJDQ GDQ SHPEDNDUDQ KXWDQ VHFDUD OLDUDNDQ PHQ\HEDENDQ DLUWLGDNWHUVHUDSROHK DNDUDNDUSRKRQ
& 7LQGDNDQ PDQXVLD \DQJ QHJDWLI SHQ\HEDE WHUMDGLQ\D EDQMLU GDSDW GLDWDVL GHQJDQ PHODNXNDQWLQGDNDQ\DQJSRVLWLI
' 7LGDN PHODNXNDQ SHQHEDQJDQ OLDU GDQ PHODNXNDQ UHERLVDVL SDGD WDQDK \DQJ JXQGXO WHUXWDPDGLGDHUDKSHJXQXQJDQ
'DODP QRYHO LQL SHQXOLV PHQJJXQDNDQ EDKDVD VHKDULKDULVHKLQJJD PXGDK GLPHQJHUWL6HODLQ LWXEDQ\DNSHODMDUDQKLGXS\DQJGDSDWGLDPELO GDUL NLVDK WRNRK +DQ\D VDMD SHQXOLV WHUODOX EDQ\DN PHPXQFXONDQ NRQIOLN VHKLQJJD DJDN PHPELQJXQJNDQ 1DPXQ SDGD DNKLU FHULWD VHPXDNRQIOLNGDSDWGLVHOHVDLNDQGHQJDQEDLN 6LPSXODQ SHQGDSDW SUR SDGD WHNV WHUVHEXW DGDODK
$ 1RYHOWHUVHEXWEDQ\DNNHNXUDQJDQQ\D % OVLQRYHOEDJXVGDQOD\DNXQWXNGLEDFD & $NKLUFHULWDQRYHODJDNPHPELQJXQJNDQ ' 7RNRKQ\DWHUODOXEDQ\DNPHQJDODPLNRQIOLN
3HULODNX PDQXVLD \DQJ QHJDWLI PHQMDGL VDODK VDWX SHQ\HEDE WHUMDGLQ\D EDQMLU 6HSHUWL PHPEXDQJ VDPSDK NH VXQJDL DNDQ PHQGDQJNDONDQVXQJDL6HODLQLWXSHQHEDQJDQ GDQ SHPEDNDUDQ KXWDQ VHFDUD OLDU +DO DNDQ PHQ\HEDENDQDLUWLGDNWHUVHUDSROHKDNDUDNDU SRKRQ
6ROXVL XQWXN PHQJDWDVL EDQMLU GHQJDQ PHODNXNDQ WLQGDNDQ \DQJ SRVLWLI &RQWRKQ\D PHUDZDW GDQ PHOHVWDULNDQ DODP PHUXSDNDQ VDODKVDWXVROXVLXQWXNPHQJDWDVLEDQMLU6HSHUWL PHPEXDQJ VDPSDK SDGD WHPSDWQ\D WLGDN PHODNXNDQ SHQHEDQJDQ OLDU GDQ PHODNXNDQ UHERLVDVL SDGDWDQDK\DQJJXQGXOWHUXWDPDGL GDHUDKSHJXQXQJDQ
OVLQRYHOLQLVDQJDWPHQGLGLNWHUXWDPDXQWXN JHQHUDVL PXGD *HQHUDVL SHQHUXV EDQJVD \DQJ PHPHQWLQJNDQ SHUVDWXDQ GDQ NHVDWXDQ 6DQJDW GLVD\DQJNDQ SHQJJXQDDQ LVWLODK DWDX EDKDVDGDHUDK\DQJWHUGDSDWGLGDODPQ\D WLGDNGLOHQJNDSLDUWLQ\D1DPXQKDOWHUVHEXW WLGDN PHQJXUDQJL NHOD\DNDQ QRYHO LQL XQWXN GLEDFDNKXVXVQ\DROHKJHQHUDVLPXGD
6D\D ODQJVXQJ GLODULNDQ NH SXVNHVPDV NHFDPDWDQ 6HUDJDP FRNHODW 3UDPXND \DQJ PHOLQJNXSL WXEXK VD\D GLVLQJNLUNDQ HQWDK NH PDQD ROHK PDQWUL 7LGDN SHUQDK WHUOLQWDV GL SLNLUDQ VD\D XQWXN PHPLQWD NHSDGD $\DK DJDUPHQJJDQWLQ\D VHWHODK LWX 'DUL \DQJ VD\D GHQJDU VHODPD KDPSLU VHEXODQ WLGDN PDVXN VHNRODKEHEHUDSDNDOL7RQRWHUSDNVDPHPERORV GL KDUL-XPDWGDQ6DEWX NDUHQD EHOXP PDPSX PHPEHOLJDQWLQ\D
6DODKPXVHQGLULWLGDNPLQWDJDQWLNDWDVD\D VHOHVDLNDPLPHQJLQJDWNHMDGLDQLWX
0HQJDMDNPX VDMD VXGDK VHEXDK NHVDODKDQ $NX WDNXW D\DKPX EHUWDPEDK PDUDK QDQWLQ\D $\DKNX WLGDN PDX PHPSHUPDVDODKNDQ WDPSDUDQD\DKPXDSDODJLVHUDJDPLWX'LDOHELK PHPLOLKPHPEHOLNDQ\DQJEDUXZDODXSXQKDUXV PHQXQJJXEHEHUDSDPLQJJXMDZDE7RQR
.DPL WHUWDZD7HUWDZD GDQ WHUWDZD VHDNDQ DNDQ VHOXUXK UHQWHWDQ NHMDGLDQ \DQJ DNKLUQ\D PHQMDGLSHQJLQJDWDEDGLSHUVDKDEDWDQNDPLLWX EXNDQODK VHEXDK NHMDGLDQ PHORORVNDQGLUL GDUL PDXW NDUHQD ZDNWX WHODK PHQJKDSXV VHPXD NHQJHULDQQ\D 0HQJHQDQJ NHMDGLDQ PDVD ODOX GXGXNGL DPEHQ GLWHPDQL NRSL GDQ UHEXV VLQJNRQJ 6LQDU WHSORNWHPDUDP GL UXPDKQ\D \DQJPDVLKVDPDVHSHUWLWDKXQ\DQJODOX
6XPEHUKWWSVFHUSHQNRPSDVZRUGSUHVVFRP
.XWLSDQ, .XWLSDQ,,
$ XUXWDQVHEDEDNLEDW XUXWDQWHPSDW % XUXWDQZDNWX XUXWDQVHEDEDNLEDW
F
XUXWDQZDNWX XUXWDQWHPSDW ' XUXWDQWHPSDW XUXWDQZDNWX.HOHPDKDQGDULWHNVNDU\DVDVWUDWHUVHEXWGLWDQGDL GHQJDQQRPRU
$ %
F
'
%DFDODKWHNVFHULWDEHULNXWNHPXGLDQNHUMDNDQ VRDOQRPRUVG
%DFDODKWHNVEHULNXW
.XWLSDQ,,
+DUL -XPDW VRUH NDPL VLVZDVLVZL EHUNXPSXO GL ODSDQJDQ XQWXN SHUVLDSDQ NH %DQGXQJ GDODP UDQJND 6WXGL :LVDWD 6HEHOXP SHUJL NDPLGLEHULSHQJDUDKDQ LQL NDPL
GRNXPHQ
.XWLSDQ,
PXVHXP PHOLKDW
GDQ PHQRQWRQ ILOP WHQWDQJ.RQIUHQVL$VLD 7HPSDW ZLVDWD EHULNXWQ\D 0XVHXP $VLD $IULND 'L
%DFDODKNHGXDWHNVEHULNXW
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW$ 7DKDS,
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
0DNQDNDWDWHSORNSDGDWHNVWHUVHEXWDGDODK
$ ODPSX WHPSHO \DQJ EHUVXPEX GDQ PHQJJXQDNDQEDKDQEDNDUPLQ\DNWDQDK
% ODPSX OLVWULN\DQJ VHQJDMD GLEXDWWLGDNWHUDQJ VXSD\DPHQJKHPDW
& ODPSX OLVWULN \DQJ ZDWWQ\D VDQJDW NHFLO VHKLQJJDQ\DULVUHGXS
' ODPSX XQWXN PHQFDUL MDQJNULN GL VDZDK VDDW PXVLPSDQHQ
:DWDNWRNRK7RQRSDGDWHNVWHUVHEXWDGDODK $ MXMXUGDQWDDW
% MXMXUGDQDSDDGDQ\D & SHUFD\DGLULGDQVHWLDNDZDQ ' WDQJJXQJMDZDEGDQVHWLDNDZDQ
%DJLDQNXWLSDQFHULWDWHUVHEXWGLQDPDNDQGHQJDQ $ NOLPDNV
% SHOHUDLDQ & NRPSOLNDVL ' SHQJHQDODQ
/DWDUZDNWXSDGDNXWLSDQFHULWD WHUVHEXWDGDODK $ PDODP
% SDJL & VLDQJ
'
VRUH%DFDODK NXWLSDQ FHULWD EHULNXW NHPXGLDQ NHUMDNDQVRDOQRPRU
VG
.XUDNXUD ODOX PHPLQWD EDQWXDQ NHSDGD PRQ\HW 0DXNDK NDX PHPEDQWXNX PHPHWLN EXDKSLVDQJLQL"WDQ\DNXUDNXUD
$NX EHUVHGLDWHWDSL EXDK SLVDQJ LWX QDQWL GLEDJL GXDMDZDE PRQ\HW%DLNMDZDE NXUD NXUD 0RQ\HW ODOX PHPDQMDW SRKRQ SLVDQJ NXUDNXUD %DX KDUXP EXDK SLVDQJ PHQJJRGD VHOHUDPRQ\HWODOXSDDNDQMDQMLQ\D
.XUDNXUD PHQXQJJX GL EDZDK SRKRQ SLVDQJ 1\HW 1\HW PDQD SLVDQJ EDJLDQNX" WHULDN NXUDNXUD6HELML SXQ WLGDN DGDMDZDE PRQ\HW UDNXV 1\HW LQL SRKRQ SLVDQJNX UHQJHNNXUDNXUDKDPSLUPHQDQJLV
6DODKVHQGLULPHQJDSDWLGDNELVDPHPDQMDW SRKRQ,HMHNPRQ\HW
.XUDNXUD UDXW ZDMDKQ\D PHPHUDK LD PXODL PHQDQJLV +DWLQ\D VHGLK EHUFDPSXU PDUDK OD ODOX PHQJJR\DQJJR\DQJ SRKRQ SLVDQJ LWX7LEDWLED EUXN 3RKRQ SLVDQJ LWX WXPEDQJ 0RQ\HW LWX MDWXK 'LD PHQJHUDQJ NHVDNLWDQ 7XEXKQ\D WHUWLPSD EDWDQJ SRKRQ SLVDQJ $PSXQ NXUDNXUD WRORQJ DNX $NX PHQ\HVDONDWDPRQ\HW
7HWDSL NXUDNXUD VXGDK EHUODOX OD PHQFDUL VDKDEDWEDUX
6XPEHUKWWSZZZEORJSHODMDUFRPWHNVFHULWDIDEHO
0DNQD VLPERO ZDMDKQ\D PHUDK SDGD FHULWD WHUVHEXWDGDODK
$ PDOX % PDUDK & WHUKDUX ' VHQDQJ
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW$7DKDS,
1LODLPRUDO SDGDFHULWDWHUVHEXWDGDODK
$ 0HPEHULFRQWRK\DQJEDLN % %HNHUMDODKVHODJLPDPSX & %LODEHUMDQMLKDUXVGLWHSDWL ' -DQJDQPHPDNVDNDQNHKHQGDN
6HEDE WHUMDGLQ\D NRQIOLN SDGD FHULWD WHUVHEXW DGDODK
$ 0RQ\HWPHQJLQJNDULMDQML % .XUDNXUDWLGDNPHQHSDWLMDQML & .XUDNXUDWLGDNPDXEHUEDJLKDVLO ' 0RQ\HWPHPEDJLKDVLOSDQHQSLVDQJ
$NLEDWNRQIOLNSDGDFHULWDWHUVHEXWDGDODK $ 0RQ\HWPHQ\HVDOODOXSHUJLPHODULNDQGLUL % .XUDNXUDPHQ\HVDOWHODKPHQ\DNLWLPRQ\HW & 0RQ\HWPDXEHUWHPDQODJLGHQJDQNXUDNXUD '.XUDNXUDWLGDNPDXEHUWHPDQGHQJDQPRQ\HW
%DFDODK NXWLSDQ FHULWD EHULNXW NHPXGLDQ NHUMDNDQVRDOQRPRUGDQ
.XWLSDQ,
6HVDPSDLQ\D GL UXPDK VDQJ LQGXN WLEDWLED SDQLN $QDNQ\D \DQJ LNXW SXODQJ EDUX HPSDW :DK NHPDQD DQDNNX \DQJ SDOLQJ NHFLO" $SD GLDWHUWLQJJDOGLGDODPKXWDQ"
OQGXN EHEHN PHUDVD NKDZDWLU NDUHQD GL GDODP KXWDQ ELVD VDMD DQDNQ\D GLPDNDQ ELQDWDQJ EXDV7DQSD PHQXQJJX ODPD ODJL LD PHPHULQWDKNDQ NHHPSDW DQDNQ\D LVWLUDKDW GL WHSL GDQDX 6HPHQWDUD LD VHQGLUL PXODL PDVXN NH WHQJDK KXWDQ GDQ PHPDQJJLOPDQJJLO DQDNQ\D\DQJKLODQJ
6XPEHU KWWSZZZZDUWDEDKDVDFRP OQGXN %HEHNGDQ .RGDN +LMDX
.XWLSDQ,
'L VHEXDK NRODP\DQJ FXNXS EHVDUGDQ GDODP VHHNRU NDGDO VHGDQJ EHUMDODQ GL SLQJJLUDQ NRODP.DGDOLWXVHGDQJPHQFDULNHJLDWDQEDUX OD VDQJDWLQJLQ PHQFRED VHVXDWX \DQJ EDUX LD VDQJDW LQJLQ EHUSHWXDODQJ .HWLND GLD EHUMDODQ GL SLQJJLUDQ NRODP LD PHQJHOXDUNDQ OLGDKQ\D 'LD PHOLKDWVHVXDWX PXQFXO GDUL GDODP DLU KDO SHUWDPD \DQJ GLOLKDW ROHK NDGDO LWX DGDODK VHEXDK NHSDOD \DQJ PHOHQJJDN OHQJJRN NH VDQDNHPDULVHSHUWLVHGDQJPHQFDULVHVXDWX
6XPEHUKWWSZZZEORJSHODMDUFRP.DGDOGDQ8ODU$LU
3HUEHGDDQ SROD SHQJHPEDQJDQ NHGXD FHULWD WHUVHEXWGLDZDOL GHQJDQ
.XWLSDQ, .XWLSDQ,,
$ NOLPDNV RULHQWDVL % RULHQWDVL NOLPDNV
F
SHOHUDLDQ SHQ\HOHVDLDQ ' SHQ\HOHVDLDQ SHOHUDLDQ
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
3HUEHGDDQ SHQJJXQDDQ EDKDVD NHGXD NXWLSDQ FHULWDWHUVHEXW DGDODK
.XWLSDQ , .XWLSDQ,, $ ODWDU WHUQSDW ODWDU ZDNWX
GLJDPEDUNDQWHUVLUDW GLJDPEDUNDQWHUVLUDW % PHQJJXQDNDQ NDWD WLGDNPHQJJXQDNDQ
VDQGDQJ NDWDVDQGDQJ
F
PHQJJXQDNDQ NDWD WLGDNPHQJJXQDNDQ JDQWL NDWDJDQWL' PHQJJDPEDUNDQ PHQJJDPEDUNDQ ILVLNWRNRK NHSULEDGLDQWRNRK
%DFDODK NXWLSDQ FHULWD EHULNXW NHPXGLDQ NHUMDNDQVRDOQRPRUVG
6HHNRU EDQJDX EHUMDODQ GHQJDQ ODQJNDK \DQJ DQJJXQ GL VHSDQMDQJ VHEXDK VXQJDL NHFLO0DWDQ\D PHQDWDSDLUVXQJDL\DQJMHUQLK OHKHU GDQ SDUXKQ\D \DQJ SDQMDQJ VLDS XQWXN PHQDQJNDS PDQJVD GL DLU VHEDJDL VDUDSDQ SDJLQ\D 6DDW LWX VXQJDL GLSHQXKL GHQJDQ LNDQLNDQ \DQJ EHUHQDQJ WHWDSL VDQJ EDQJDX PHUDVDVHGLNLWDQJNXKGLSDJLKDULLWX
6D\D WDNPDX PDNDQ LNDQLNDQ \DQJ NHFLO NDWDQ\D NHSDGD GLUL VHQGLUL ONDQ \DQJ NHFLO WLGDN SDQWDV GLPDNDQ ROHK EDQJDX \DQJ DQJJXQVHSHUWLVD\D
6HNDUDQJ VHHNRU LNDQ \DQJ VHGLNLW OHELK EHVDUGDUL LNDQ ODLQ OHZDWGL GHNDWQ\D7OGDN NDWDVDQJEDQJDX6D\DWLGDNDNDQPHUHSRWNDQ GLULVD\D XQWXNPHPEXNDSDUXKGDQ PHPDNDQ LNDQVHEHVDULWX
6DDW PDWDKDUL PXODL PHQLQJJL LNDQLNDQ \DQJ EHUDGD SDGD DLU \DQJ GDQJNDO GHNDW SLQJJLUDQ VXQJDL DNKLUQ\D EHUHQDQJ SLQGDK NHWHQJDKVXQJDL\DQJOHELKGDODPGDQGLQJLQ 6DQJ EDQJDX \DQJ WLGDN PHOLKDW LNDQ ODJL WHUSDNVD KDUXV SXDV GHQJDQ PHPDNDQ VLSXW NHFLOGLSLQJJLUDQVXQJDL
6XPEHU KWWSGRQJHQJDGDODKFHULWDEORJVSRWHRLG%XUXQJ %DQJDX\DQJ$QJNXK
.RPHQWDU \DQJ WHSDW WHUKDGDS LVL NXWLSDQ FHULWD WHUVHEXWDGDODK
$ OVL FHULWD EDJXV KDQ\D NXUDQJ PHQGLGLN EDJL SDUDSHPEDFDQ\D
% OVL FHULWDWHUODOX EHUEHOLWEHOLWVHKLQJJD NXUDQJ PHQDULNXQWXNGLEDFD
& OVL FHULWD VXNDU GLPHQJHUWL NDUHQD WRNRK WRNRKQ\DKHZDQEXNDQPDQXVLD
' OVL FHULWD VDQJDW PHQDULN NDUHQD PHQJDMDUNDQ VXSD\DNLWDWLGDNVRPERQJ
.RPHQWDU \DQJ WHSDW WHUKDGDS SROD SHQJHPEDQJDQNXWLSDQFHULWDWHUVHEXWDGDODK $ 3ROD SHQJHPEDQJDQGLDZDOLGHQJDQ NRQIOLNVL WRNRK PHUDVD NHODSDUDQ ODWHODK EHUMDODQMDXK QDPXQWLGDNPHQHPXNDQPDNDQDQ.HPXGLDQ GDWDQJODK VHHNRU NXUDNXUD \DQJ PHQDVHKDWL VXSD\DWLGDNPHQMDGLRUDQJ\DQJVRPERQJ % 3ROD SHQJHPEDQJDQ NXWLSDQ FHULWD WHUVHEXW
GLPXODLNHDGDDQWRNRK\DQJVHGDQJNHODSDUDQ .HPXGLDQGLFHULWDNDQSHQ\HEDEWRNRKWHUVHEXW NHODSDUDQODDQJNXKWLGDNPDXPHPDNDQLNDQ \DQJNHFLONHFLOOD PHQ\HVDO
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW$ 7DKDS,
& 3ROD SHQJHPEDQJDQ NXWLSDQ FHULWD WHUVHEXW GLPXODLGHQJDQSHQJHQDODQWRNRKODWDUWHPSDW GDQ ODWDU ZDNWX 3HQJHQDODQ LWX GLVDPSDLNDQ VHFDUD WHUVXUDW /DOX NRQIOLN PXQFXO GLDNKLUL GHQJDQ SHQ\HOHVDLDQ \DQJ PHPEHULNDQ SHODMDUDQNHSDGDSHPEDFD
' 3ROD SHQJHPEDQJDQ NXWLSDQ FHULWD WHUVHEXW GLPXODL GHQJDQ SHQDPSLODQ JDULV EHVDU LVL FHULWD 7XMXDQQ\D GHQJDQ PHPEDFD FHULWD WHUVHEXW SHPEDFD PHQMDGL PHQJHWDKXL JDULV EHVDUMDODQFHULWD3HPEDFDGLKDUDSNDQPDPSX PHPDKDPLQ\D
.RPHQWDUWHUKDGDSEDKDVD\DQJGLJXQDNDQSDGD NXWLSDQFHULWDWHUVHEXWDGDODK
$ %DKDVD \DQJGLJXQDNDQDGDODK EDKDVD VHKDUL KDULGDQPXGDKGLPHQJHUWL
% %DKDVD\DQJGLJXQDNDQEDQ\DNPHQJJXQDNDQ NLDVDQ
& %DKDVD \DQJ GLJXQDNDQ PHQJJXQDNDQ SHULEDKDVDVHKLQJJDPHPERVDQNDQ
' %DKDVD\DQJGLJXQDNDQPHQ\XOLWNDQSHPEDFD PHPDKDPLLVLFHULWD
3HUKDWLNDQNDOLPDWUXPSDQJEHULNXW
6XQJDL &LOLZXQJ PHVNLSXQ WHODK >@ PDVLK SHQXK GHQJDQ HQGDSDQOXPSXU
.DWD \DQJ WHSDW XQWXN PHOHQJNDSL NDOLPDW WHUVHEXWDGDODK
$ GLDPELO % GLNHUXN
& GLVHGRW ' GLWDWD
3HUKDWLNDQSHWXQMXNEHULNXW 3HWXQMXNPHQ\HPLUVHSDWX
%HUVLKNDQVHSDWXGHQJDQVLNDWSHPEHUVLK /DOXODSVHSDWXGHQJDQNDLQ\DQJEHUVLK
>@
'LDPNDQVHSDWXKLQJJDPHQJHULQJVHPSXUQDL 6HWHODKNHULQJVHSDWXVLDSGLNHQDNDQ
.DOLPDW \DQJ WHSDW XQWXN PHOHQJNDSL SHWXQMXN WHUVHEXWDGDODK
$6HWHODKEHUVLKSROHVGHQJDQVHPLU\DQJVHVXDL ZDUQDVHSDWX
% .HPXGLDQMHPXUVHSDWX GL WHPSDW\DQJ NHQD SDQDV
& 6HSDWX \DQJ WHODK GLVHPLU VLDS GLNHQDNDQ NHPEDOL
' &XFLODK NHGXD VHSDWX KLQJJD EHQDUEHQDU EHUVLK
3HUKDWLNDQNDOLPDWNDOLPDWEHULNXW
6HVDPSDLQ\D GL 70,, NDPL EHUIRWRIRWR EHUVDPD WHPDQ WHPDQGDQLEXEDSDNJXUX
.HPXGLDQ NDPL PHQ\HZD VHSHGD ODOX EHUNHOLOLQJ PHOLKDW UXPDKDGDWEHUEDJDLZLOD\DKGL,QGRQHVLD
6HWHODK LVWLUDKDWVHMHQDN NDPLVHJHUD PDVXN NH GDODP EXV XQWXNPHODQMXWNDQSHUMDODQDQNH0XVHXP*DVGDQ%XPL +DUL SHUWDPD VWXGL ZLVDWD NDPL PHQJXQMXQJL 70,, \DQJ
WHUOHWDNGL-DNDUWD7LPXU
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
6HSDQMDQJSHUMDODQDQPHQXMXWHPSDWWXMXDQNDPLEHUVHQGD JXUDX
/DOX NDPL GLEHUL SHQMHODVDQ WHQWDQJ FDUD SHQJRODKDQ SHQJJXQDDQDODWGDQSHUVHEDUDQQ\DGL,QGRQHVLD
6HVDPSDLQ\DGLVDQDNDPLGLVXJXKLYLGHRWHQWDQJDVDOPXOD JDV\DQJEHUDVDOGDULEXPL
.DOLPDWNDOLPDW WHUVHEXW GDSDW GLVXVXQ PHQMDGL SDUDJUDIODSRUDQGHQJDQXUXWDQQRPRU
$
%
&
'
3HUKDWLNDQNDOLPDWNDOLPDWEHULNXW
&DUD0HPEXDW.HFDPEDK.HGHODL
6HWHODK GLUHQGDPWLULVNDQ NHGHODL GL WHPSDWWLULVDQ EDPEX ODOXWXWXSGHQJDQGDXQSLVDQJ
3HQ\LUDPDQ GLODNXNDQ VHFDUD PHUDWD SDVWLNDQ OHQGLU\DQJ GLNHOXDUNDQNHGHODLWHUEDZDDLU
.HGHODL\DQJGLSLOLKFXFLVDPSDLEHUVLK
6HWHODKEHUVLKNHGHODLGLUHQGDPVHODPDVHPDODP
3LOLKODKNHGHODL\DQJEDJXV ā
6LUDPODKNHGHODLMDPVHNDOLVHODPDKDUL
.HFDPEDKVXGDKMDGLGDQVLDSGLNRQVXPVL
.DOLPDWNDOLPDW WHUVHEXW GDSDW GLVXVXQ PHQMDGL SHWXQMXN PHPEXDW NHFDPEDK NHGHODL GHQJDQ XUXWDQQRPRU
$
%
&
'
3HUKDWLNDQNDOLPDWEHULNXW
0DWHUL \DQJ WHUNDQGXQJ GDODP EXNX LQL >@ VHPDQJDW SDGD SHPEDFDXQWXNGDSDWEHUNDU\D
.DWD \DQJ WHSDW XQWXN PHOHQJNDSL NDOLPDW UXPSDQJWHUVHEXWDGDODK
$ PHPEHULNDQ % PHQMDQMLNDQ
& PHQHUDQJNDQ ' PHQMHODVNDQ
%DFDODKNXWLSDQWHNVEHULNXW
%XNXVHWHEDOKDODPDQLQLVDQJDWFRFRN XQWXNPHUHND\DQJ LQJLQ PHQJHPEDQJNDQ SRWHQVL GLUL WHUXWDPD GDODP ELVQLV 0HUHND\DQJLQJLQPHUDLKUHMHNL\DQJEXNDQ KDQ\DDMDLEWHWDSL PHQMDGL VHEXDK PXNML]DW GDODP KLGXS >@ 3HQMHODVDQQ\D SXQWLGDNEHUNXWDWGDODPWHRUL \DQJ PHODQJLW7HWDSL WDZDUDQ WDZDUDQ \DQJ VHGHUKDQD GDQ WLGDN WHUGXJD EDJL NLWD MXVWUX GLWDZDUNDQGDODPEXNXLQL
'LRODKGDULVXPEHUKWWSEHODMDUUHVHQVLEXNXEORJVSRWFRLG
.DOLPDW \DQJ WHSDW XQWXN PHOHQJNDSL WHNV WHUVHEXWDGDODK
$ 7DQDPDQ KLGURSRQLN VDDW LQL VDDW GLJHPDUL PDV\DUDNDW
% %XNX LQL PHQDPEDK ZDZDVDQ WHQWDQJ FDUD EXGLGD\DWDQDPDQKLGURSRQLN
& %XNX LQL KDQ\DD PHQ\DMLNDQ WHRULWHRUL WDQSD GLWXQMDQJGHQJDQFRQWRKFRQWRKQ\DWD ' 'LVDMLNDQVHFDUDPHQDULNGDQPHPLOLNLWDKDSDQ
WDKDSDQMHODVGDODPPHUDLKUH]HNL
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW$7DKDS,
3HUKDWLNDQGDWDGDWDEHULNXW
OGHQWLWDV%XNX -XGXO%XNX 3HQXOLV 3HQHUELW 7DKXQ7HUELW 7HEDO%XNX .HXQJJXODQ
OVLEXNXNLVDKLQVSLUDVLGDULSHQJXVDKDPXGD\DQJ PHPXODLELVQLVQ\DVHMDNGXGXNGLEDQJNXVHNRODK
%DQ\DNLOPX\DQJWHUNDQGXQJGLGDODPQ\D .HOHPDKDQ
3DGDKDODPDQWHUGDSDWVDODKFHWDN\DQJVHKDUXVQ\D NHGXDRUDQJWXDQ\DKDQ\DWHUFHWDNNHGXDRUDQJQ\D
KWWSVPDXOLGDPXO\DUDKPDZDWLZRUGSUHVVFRPUHVHQVLEXNXZLUDXVDKD PXGDPDQGLUL
3DUDJUDI UHVHQVL \DQJ WHSDW EHUGDVDUNDQ LOXVWUDVL WHUVHEXWDGDODK
$ OVL EXNX :LUDXVDKD 0XGD 0DQGLUL VHWHEDO
KDODPDQ LQL PHPEHUL LQVSLUDVL WHQWDQJ SHQJXVDKD PXGD \DQJ PHPXODL XVDKDQ\D VHMDN GXGXN GL EDQJNX VHNRODK 0HUHND PHQJDODPL MDWXK EDQJXQ VHEHOXP VXNVHV .LWD SDWXW EHODMDU GDUL PHUHND %XNX LQL SDWXW GLPLOLNL EDJL PHUHND SDUD SHQJXVDKD PXGD \DQJLQJLQVXNVHV
% OVL EXNX :LUDXVDKD 0XGD 0DQGLUL VHWHEDO
KDODPDQ LQL PHPEHUL LQVSLUDVL WHQWDQJ SHQJXVDKD PXGD \DQJ PHPXODL XVDKDQ\D VHMDN GXGXN GL EDQJNX VHNRODK %DQ\DN LOPX \DQJWHUNDQGXQJ GDODP EXNX LQL +DQ\D SDGD KDODPDQ WHUGDSDW VDODK FHWDN NHGXD RUDQJWXDKDQ\DWHUFHWDNNHGXDRUDQJQ\D+DO WHUVHEXW WLGDN PHQJJDQJJX EXNX LQL VDQJDW LQVSLUDWLI
& OVL EXNX :LUDXVDKD 0XGD 0DQGLUL PHPEHUL LQVSLUDVL WHQWDQJ SHQJXVDKD PXGDB \DQJ PHPXODL XVDKDQ\D VHMDN GXGXN GL EDQJNX VHNRODK 0HUHND PHQJDODPL MDWXK EDQJXQ VHEHOXP VXNVHV +DQ\D SDGD KDODPDQ
WHUGDSDW NHNXUDQJDQ VDODK FHWDN VHKLQJJD PHQJJDQJJX SHPDKDPDQ SHPEDFD 6HDQGDLQ\D NHNXUDQJDQ LWX GLUHYLVL EXNX LQ DNDQOHELKEDJXV
' %XNX :LUDXVDKD 0XGD 0DQGLUL VHWHEDO
KDODPDQ LQL PHPEHUL LQVSLUDVL WHQWDQJ SHQJXVDKD PXGD \DQJ PHPXODL XVDKDQ\D VHMDN GXGXN GL EDQJNX VHNRODK %XNX \DQJ PHQXQWXQ SDUD SHPXOD XQWXN EHODMDU ELVQLV OVLQ\D PHPEHU FRQWRK EDJDLPDQD WHWDS EHUWDKDQ XQWXNPHUDLK NHVXNVHVDQ6XNVHV LWX GLUDLKEHUNDWNHJLJLKDQGDQSHUMXDQJDQ
3HUKDWLNDQGDWDGDWDEHULNXW
3HQJDPDWDQWDQDPDQWRPDW/\FRSHUVLRQHVFXOHQWXP
WDQDPDQSHUGXVHPXVLPEHUEDWDQJOHPDKGDQEDVDK GDXQEHUEHQWXNVHJLWLJD
EXDKQ\DZDNWXPXGDKLMDXGDQNXQLQJDWDXPHUDKZDNWXWXD SHUEDQ\DNDQWDQDPDQGHQJDQELML
GLWDQDPSDGDODKDQNHULQJ
:LUDXVDKD0XGD0DQGLUL 5KHQDOG.DVDOL
37*UDPHGLD3XVWDND8WDPD KDODPDQ
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
3HQXOLVDQ WHNV ODSRUDQ\DQJ VHVXDL GHQJDQ GDWD GDWDWHUVHEXW\DQJWHSDWDGDODK
$ 7RPDW /\FRSHUVLRQ HVFXOHQWXP PHUXSDNDQ WDQDPDQSHUGXVHPXVLPEHUEDWDQJOHPDKGDQ EDVDK 'DXQQ\D EHUEHQWXN VHJLWLJD %XDKQ\D KLMDXZDNWXPXGDGDQNXQLQJDWDXPHUDKZDNWX WXD 7RPDW VDQJDW EHUPDQIDDW EDJL NHVHKDWDQ NDUHQDPHQJDQGXQJEDQ\DNYLWDPLQ&
% 7RPDW /\FRSHUVLRQ HVFXOHQWXP PHUXSDNDQ WDQDPDQSHUGXVHPXVLPEHUEDWDQJOHPDKGDQ EDVDK 'DXQQ\D EHUEHQWXN VHJLWLJD %XDKQ\D KLMDX ZDNWX PXGD GDQ NXQLQJ DWDX PHUDK ZDNWXWXD%XDKWRPDWEDQ\DNGLPLQDWL NDUHQD KDUJDQ\DPXUDKWHWDSLEDQ\DNPDQIDDWQ\D & 7RPDW /\FRSHUVLRQ HVFXOHQWXP PHUXSDNDQ
WDQDPDQSHUGXVHPXVLPEHUEDWDQJOHPDKGDQ EDVDK 'DXQQ\D EHUEHQWXN VHJLWLJD %XDKQ\D KLMDXZDNWXPXGDGDQNXQLQJDWDXPHUDKZDNWX WXD3HUEDQ\DNDQWDQDPDQLQLXPXPQ\DGHQJDQ ELMLGDQELDVDGLEXGLGD\DNDQSDGDODKDQNHULQJ ' 7RPDW /\FRSHUVLRQ HVFXOHQWXP PHUXSDNDQ
WDQDPDQSHUGXVHPXVLPEHUEDWDQJOHPDKGDQ EDVDK 'DXQQ\D EHUEHQWXN VHJLWLJD %XDKQ\D PHUDK ZDNWX WXD %XDK LQL GDSDW GLNRQVXPVL VHEDJDL WDPEDKDQ SHOHQJNDS VDPEDO WHUDVL GDQSHOHQJNDSVD\XUDQ6HODLQLWXGDSDWGLEXDW PLQXPDQMXVWRPDW
3HUKDWLNDQNDOLPDWEHULNXW
,QGRQHVLD VHEDJDL GDHUDK WURSLV GDSDW PHQMDGLNDQ WDQDPDQ VD\XUDQ VHSDQMDQJ WDKXQ NDUHQD GLDGDNDQQ\D VLQDU PDWDKDUL \DQJFXNXS
,
.HVDODKDQSHQJJXQDDQNDWDSDGDNDOLPDWWHUVHEXW DGDODK
$ VHEDJDLVHSDQMDQJ % VHEDJDLGLDGDNDQQ\D
& PHQMDGLNDQVHSDQMDQJ ' PHQMDGLNDQGLDGDNDQQ\D
3HUKDWLNDQNDOLPDWNDOLPDWEHULNXW 3DUDWDPXWDPXXQGDQJDQGDWDQJWHSDWZDNWX 6HPXDVLVZDPHQJHQDNDQVHUDJDPSXWLKELUX
3HUVHUWDORPED\DQJGDWDQJWHUODPEDWGLQ\DWDNDQJXJXU .LWDKDUXVPHQMDJDNHEHUVLKDQOLQJNXQJDQ
.DOLPDW\DQJWLGDNHIHNWLIGLWDQGDLGHQJDQQRPRU
$
%
F
'
%DFDODKNXWLSDQWHNVEHULNXW
O6HPXW -HSDQJ ND\D GHQJDQ SURWHLQ \DQJ VDQJDW EHUJXQD XQWXNWXEXK.DQGXQJDQSURWHLQGDODPNDFDQJNHGHODLVDQJDW WLQJJL 3URWHLQ WHUVHEXW EHUIXQJVL VHEDJDL ]DW SHPEDQJXQ XQWXN SHUWXPEXKDQ GDQ SHPHOLKDUDDQMDULQJDQWXEXK GHQJDQ FDUDPHPEDQWXPHUHJHQHUDVLVHOVHO\DQJWHODKPDWL6HODLQ LWX SURWHLQ GDODP VHPXW-HSDQJMXJD GDSDWPHPEDQWXVLVWHP NHNHEDODQ WXEXK XQWXN PHODZDQ EHUEDJDL PLNURED EHUEDKD\D \DQJGDSDWPHQMDGLVXPEHUSHQ\DNLW
'LRODKGDULKWWSZZZLOPXVLDQDFRP
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW$ 7DKDS,
.HWLGDNSDGXDQSDUDJUDIWHUVHEXWGLWDQGDLGHQJDQ QRPRU
$ %
F
'
3HUKDWLNDQNDOLPDWEHULNXW
%HQGDEHQGD\DQJ>@GLPXVHXPPHQFDNXSEHQGDEHQGDGDUL EHUEDJDL>@LOPX
OVWLODK \DQJ WHSDW XQWXN PHOHQJNDSL NDOLPDW WHUVHEXWDGDODK
$ GLVHOHNVLLQVWDQVL % GLNROHNVLLQVWDQVL
& GLVHOHNVLGLVLSOLQ ' GLNROHNVLGLVLSOLQ
3HUKDWLNDQNDOLPDWEHULNXW
.XQDQJNXQDQJDGDODKVHMHQLVVHUDQJJD\DQJGDSDW>@FDKD\D \DQJVDQJDWMHODVWHUOLKDWVDDWPDODPKDUL
.DWD EHULPEXKDQ \DQJ WHSDW XQWXN PHOHQJNDSL NDOLPDWWHUVHEXWDGDODK
$ PHPDQIDDWNDQ % PHQJHOXDUNDQ
& PHQGDSDWNDQ ' PHQMDGLNDQ
3HUKDWLNDQNDOLPDWEHULNXW
.XGD EHUNXOLWKDULPDX\DQJPHQMDGLWRNRK SDGDFHULWDIDEHO LWX PHODPEDQJNDQEDKZD >@RUDQJEHUSXUDSXUDVXDWXVDDWDNDQ WHUERQJNDU
.DWD XODQJ\DQJWHSDWXQWXNPHOHQJNDSL NDOLPDW WHUVHEXWDGDODK
$ SDQGDLSDQGDL % VHSDQGDLVHSDQGDL
& VHSDQGDLSDQGDLQ\D ' VHSDQGDLQ\DVHSDQGDLQ\D
3HUKDWLNDQNDOLPDWEHULNXW
'HQJDQ PHPEDFD EXNX LQL GLPLQWDNDQ SHPEDFD PHQGDSDW WDPEDKDQZDZDVDQWHQWDQJWDQDPDQEXDKGDODPSRW
3HUEDLNDQ NDWDGLPLQWDNDQSDGD NDOLPDWWHUVHEXW \DQJWHSDWDGDODK
$ GLKDUDSNDQ % GLDQMXUNDQ
& GLWHQWXNDQ ' GLSXWXVNDQ
3HUKDWLNDQNDOLPDWEHULNXW
3HVDQ XWDPD ILOP LQL DGDODK DMDNDQ KLPEDXDQ VHUXDQ XQWXN PDV\DUDNDWDJDUVXSD\DPHQMDJDNHOHVWDULDQDODP
3HUEDLNDQNDOLPDWWHUVHEXWVXSD\DPHQMDGLNDOLPDW HIHNWLIDGDODKGHQJDQPHQJKLODQJNDQNDWD $ ILOPDMDNDQKLPEDXDQ
% ILOPKLPEDXDQVHUXDQ
& DMDNDQKLPEDXDQXQWXN ' KLPEDXDQVHUXDQVXSD\D
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
%DFDODKWHNVEHULNXW
1XUKD\DWL6UL+DQGLQL6LWL1XNDWLQDWDX\DQJOHELKDNUDEGLVDSD 1+ 'LQL PHUXSDNDQ VDVWUDZDQ GDQ QRYHOLV ,QGRQHVLD 1+ 'LQLEHUFLWDFLWDPHQMDGLVHRUDQJGRNWHU3DGDXVLDLWXLDWHODK PHQXOLVNDUDQJDQ\DQJEHUMXGXO0HUGHNDGDQ0HUDK 3XWLK 7XOLVDQLWXGLDQJJDSPHPEDKD\DNDQ%HODQGDVHKLQJJDD\DKQ\D KDUXV EHUXUXVDQ GHQJDQ %HODQGD 1DPXQ VHWHODK PHQJHWDKXL SHQXOLVQ\DDQDNDQDN%HODQGDPHQJDODK
3HUEDLNDQSDUDJUDIWHUVHEXWVXSD\DPHQMDGLSDGX DGDODKPHQJJDQWLNDOLPDWQRPRUPHQMDGL $ %DNDW PHQXOLVQ\D GLSHUROHK GDUL NHGXD RUDQJ
WXDQ\D
% ODJHPDUPHQXOLVVHMDNEHUXVLDVHPELODQWDKXQ & %XNXEXNXSHODMDUDQQ\DSHQXKGHQJDQFRUHWDQ
WDQJDQQ\D
' 6HMDN VDDW LWX 1+ 'LQL PHQHNXQL GXQLD WXOLV PHQXOLV
3HUKDWLNDQNDOLPDWEHULNXW
0LQXPDQ WUDGLVLRQDO GDULSDGD PHUXSDNDQ ZDULVDQ \DQJ KDUXV GLOHVWDULNDQ
$ODVDQ NHWLGDNWHSDWDQ SHQJJXQDDQ NDWD SDGD NDOLPDWWHUVHEXWDGDODK
$ NDWD GDULSDGD WLGDN WHSDW NDUHQD NDOLPDW WHUVHEXWEXNDQNDOLPDWSHUEDQGLQJDQ
% NDWD KDUXV WLGDN SHUOX GLJXQDNDQ NDUHQD PHPELQJXQJNDQ
& NDWDGLVHKDUXVQ\D GLSLVDK NDUHQDGLVHEDJDL NDWDGHSDQ
' NDWD WUDGLVLRQDO \DQJ WHSDW VHKDUXVQ\D WHUDGLVLRQLO
3HUKDWLNDQNDOLPDWEHULNXW
%XNXLQLGDODPPHQMHODVNDQNDUDNWHUDQDNEHUGDVDUNDQJRORQJDQ GDUDKGDQSRODDVXK\DQJWHSDWEDJLDQDNDQDN
$ODVDQNHWLGDNHIHNWLIDQNDOLPDWWHUVHEXW DGDODK $ NDWD\DQJWLGDN SHUOX GLWXOLV VHKLQJJD GDSDW
GLKLODQJNDQ
% NDWD GDODP WLGDN GLSHUOXNDQ NDUHQD PHPELQJXQJNDQ
& NDWDEHUGDVDUNDQWLGDNGLSHUOXNDQNDUHQDVDPD EHUPDNQDJDQGD
' NDWDNDUDNWHUWLGDNGLSHUOXNDQ VHKLQJJD GDSDW GLKLODQJNDQ
3HUKDWLNDQWHNV EHULNXW
OEX6RHGEHUQDPDOHQJNDS6DULGMDK 1LXQJ%LQWDQJ6RHGLELR %HOLDXVHRUDQJSHQFLSWDODJXDQDNDQDNOHJHQGDULV%HOLDX VXGDK PHQFLSWD OHELK ODJX DQDNDQDN 'L DUHD PDLQDQ VHODOXGLNXPDQGDQJNDQODJXDQDNDQDN
$ODVDQ NHWLGDNSDGXDQ SDUDJUDIWHUVHEXW DGDODK NDUHQDNDOLPDW
$ WLGDNEHUNDLWDQGHQJDQNDOLPDW % WLGDNEHUNDLWDQGHQJDQNDOLPDW & WLGDNEHUNDLWDQGHQJDQNDOLPDW ' WLGDNEHUNDLWDQGHQJDQNDOLPDW
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW$7DKDS,
3HUKDWLNDQNDOLPDWEHULNXW
7DPDQ 1DVLRQDO 8MXQJ .XORQ PHPLOLNL EHUEDJDL PDFDP IORUD IDXQDGDQHNRVLVWLP\DQJGLOLQGXQJL
.HVDODKDQ SHQJJXQDDQ HMDDQ SDGD NDOLPDW WHUVHEXWDGDODK
$ NDWDIORUDVHKDUXVQ\DGLWXOLVIHRUD % NDWD1DVLRQDOVHKDUXVQ\DGLWXOLVQDVLRQDO & NDWDHNRVLVWLPVHKDUXVQ\DGLWXOLVHNRVLVWHP ' NDWDGLOLQGXQJLVHKDUXVQ\DGLWXOLVGLOLQGXQJL
3HUKDWLNDQNDOLPDWEHULNXW
7HULPD NDVLK DNXMDQMLWLGDNDNDQ PHQJXODQJLQ\D ODJLMDZDE &LFLGHQJDQWXOXV
.HVDODKDQ SHQJJXQDDQ WDQGD EDFD SDGD NDOLPDW WHUVHEXWDGDODK
$ WDQGDVHUXVHKDUXVQ\DWDQGDWDQ\D" % WDQGDVHUXVHKDUXVQ\DWDQGDNRPD & WDQGDWLWLN VHKDUXVQ\DWDQGDVHUX ' WDQGDWLWLN VHKDUXVQ\DWDQGDNRPD
3HUKDWLNDQNDOLPDWNDOLPDWEHULNXW EXPHPEDZDROHKROHKDVLQDQ%RJRUNHVXNDDQNX 0RKDPPDG +DWWD GL PDNDPNDQ GL 7DQDK .XVLU .HED\RUDQ
/DPD-DNDUWD
6HVXDL DWXUDQ SHWDKDQD \DQJ FXWL KDUXV PHQJHPEDOLNDQ SDVLOLWDVQHJDUD
6HMDN VHEXODQ \DQJ ODOX $QGL SLQGDK NH 3DVDU .HPLV 7DQJHUDQJ
3HQJJXQDDQ HMDDQ \DQJ WHSDW SDGD NDOLPDW WHUVHEXWGLWDQGDLGHQJDQQRPRU
$ %
F
'
3HUKDWLNDQNDOLPDWEHULNXW
7LGDNNDK HQJNDX SHGXOL NDPSXQJ KDODPDQPX WDQ\DQ\D PHPEXDWDNXDJDNULVLK
3HQJJXQDDQWDQGD EDFD\DQJWHSDWSDGD NDOLPDW WHUVHEXWDGDODK
$ 7LGDNNDKHQJNDXSHGXOLNDPSXQJKDODPDQPX" WDQ\DQ\DPHPEXDWDNXDJDNULVLK
% 7LGDNNDKHQJNDXSHGXOLNDPSXQJKDODPDQPX WDQ\DQ\DPHPEXDWDNXDJDNULVLK
& 7LGDNNDKHQJNDXSHGXOLNDPSXQJKDODPDQPX WDQ\DQ\DPHPEXDWDNXDJDNULVLK
' 7LGDNNDKHQJNDXSHGXOLNDPSXQJKDODPDQUQX WDQ\DQ\DPHPEXDWDNXDJDNULVLK
3HUKDWLNDQNDOLPDWEHULNXW
&XW1\DNGLHQGLNHQDOVHEDJDLVDODKVDWXSDKODZDQZDQLWD\DQJ EHUMXDQJPHODZDQSHQMDMDKDQEHODQGDSDGDSHUDQJDFHK 3HUEDLNDQHMDDQ SDGDNDOLPDWWHUVHEXW\DQJWHSDW DGDODK
$ &XW 1\DN 'LHQ GLNHQDO VHEDJDL VDODK VDWX SDKODZDQ ZDQLWD \DQJ EHUMXDQJ PHODZDQ 3HQMDMDKDQ%HODQGDSDGD3HUDQJDFHK
% &XW 1\DN 'LHQ GLNHQDO VHEDJDL VDODK VDWX SDKODZDQ ZDQLWD \DQJ EHUMXDQJ PHODZDQ SHQMDMDKDQEHODQGDSDGD3HUDQJ$FHK
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
&
&XW 1\DN 'LHQ GLNHQDO VHEDJDL VDODK VDWX SDKODZDQ ZDQLWD \DQJ EHUMXDQJ PHODZDQ SHQMDMDKDQ%HODQGDSDGD3HUDQJ$FHK' &XW 1\DN 'LHQ GLNHQDO VHEDJDL VDODK VDWX SDKODZDQ ZDQLWD \DQJ EHUMXDQJ PHODZDQ SHQMDMDKDQEHODQGDSDGDSHUDQJ$FHK
3HUKDWLNDQNDOLPDWEHULNXW
%HODMDUODK \DQJ UDMLQ GHPL PDVD GHSDQPX 1DN NDWD OEX PHQDVLKDWLNX
3HUEDLNDQ SHQJJXQDDQWDQGD EDFD SDGD NDOLPDW WHUVHEXW\DQJWHSDWDGDODK
$ %HODMDUODK \DQJ UDMLQ GHPL PDVD GHSDQPX 1DNNDWDOEXPHQDVLKDWLNX
% %HODMDUODK \DQJ UDMLQ GHPL PDVD GHSDQPX 1DNNDWDOEXPHQDVLKDWLNX
& %HODMDUODK \DQJ UDMLQ GHPL PDVD GHSDQPX 1DN"NDWDOEXPHQDVLKDWLNX
' %HODMDUODK\DQJUDMLQGHPLPDVDGHSDQPX1DN NDWDOEXPHQDVLKDWLNX
3HUKDWLNDQNDOLPDWEHULNXW
.DEXWDVDSWHEDOGL*XQXQJ.LGXOPHQ\HEDENDQZDUJDGLVHNLWDU ZLOD\DKWHUVHEXWGLHYDNXDVL NDUHQDUQHUDVDNDQVHVDNQDSDVGDQ PDWDSHGLK
$ODVDQ NHWLGDNWHSDWDQ SHQJJXQDDQ HMDDQ SDGD NDOLPDWWHUVHEXWDGDODK
$ .DWD QDSDV VHKDUXVQ\D GLWXOLV QDIDV VXSD\D VHVXDLNDLGDK(<'
% .DWD SHGLK VHKDUXVQ\D GLWXOLV SHULK NDUHQD PQJJXQDNDQNDWDEDNX
& .DWD GLVHNLWDU VHKDUXVQ\D GLWXOLV GL VHNLWDU
NDUHQDGLDGDODKNDWDGHSDQ
' .DWDGLHYDNXDVLVHKDUXVQ\D GLWXOLVGLHYDNXDVL
VXSD\DVHVXDLNDLGDK(<'
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW$ 7DKDS,
3HUKDWLNDQNDOLPDWEHULNXW
.HWLND VHNRODK 6' NDX SHUQDK SXODQJ NH NDPSXQJ GDQ NLWD EHUVDPDVDPDVDWXNHODVSXODNDWDQ\DPHODQMXWNDQ
$ODVDQ NHWLGDNWHSDWDQ SHQJJXQDDQ WDQGD EDFD SDGDNDOLPDWWHUVHEXWDGDODK
$ WDQGD WLWLN VHWHODK PHODQMXWNDQ WLGDN GLSHUOXNDQ
% WDQGDVHUXWLGDNWHSDWGLJXQDNDQVHKDUXVQ\D
WDQGDWDQ\D"
& WDQGDSHWLNGXDVHWHODKNDWDSXODWLGDNWHSDW
SHQJJXQDDQQ\D
' WDQGD VHUX WLGDN WHSDW GLJXQDNDQ NDUHQD
EXNDQNDOLPDWSHULQWDK
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
8-,&2%$8-,$1 1$6,21$/8&81 ,
603
,
07V
7$+81 3(/$-$5$1
/(0%$562$/
3$.(7
%
0DWD 3HODMDUDQ +DUL7DQJJDO :DNWX
%DKDVD,QGRQHVLD 6HQLQ )HEUXDUL
3XNXO PHQLW
3(781:.8080
7XOLVQRPRU$QGDSDGDOHPEDUMDZDEDQNRPSXWHU/-.
3HULNVDODKGDQEDFDODKVRDOVRDOGHQJDQWHOLWLVHEHOXPPHQMDZDE 'DKXOXNDQPHQMDZDEVRDOVRDO\DQJ$QGDDQJJDSPXGDK .HUMDNDQSDGD/-.\DQJGLVHGLDNDQ
+LWDPNDQODKEXODWDQSDGDKXUXIMDZDEDQ\DQJ$QGDDQJJDSEHQDUGHQJDQPHQJJXQDNDQSHQVLO% $SDELODDGDMDZDEDQ\DQJ$QGDDQJJDSVDODKPDNDKDSXVODKMDZDEDQ\DQJVDODKWHUVHEXWVDPSDLEHUVLK
NHPXGLDQKLWDPNDQEXODWDQSDGDKXUXIMDZDEDQODLQ\DQJ$QGDDQJJDSEHQDU &RQWRK
D VHEHOXPGLMDZDE $ %
F
'E VHVXGDKGLMDZDE $ %
F
'F VHVXGDKGLSHUEDLNL $ %
F
'3(781-8..+8686
+LWDPNDQODKVDODKVDWX EXODWDQ SDGDKXUXI$ %& DWDX'\DQJ$QGDDQJJDSEHQDUSDGDOHPEDUMDZDEDQNRPSXWHU
%DFDODK WHNV EHULNXW NHPXGLDQ NHUMDNDQ VRDO QRPRU VG
OQLODK KDVLO SHQHOLWLDQ1LHOVHQ 79$XGLHQFH 0HDVXUHPHQW
SDGD EXODQ $SULO KLQJJD -XQL 0HQRQWRQ WHOHYLVL PHQMDGL NHJLDWDQ WHUIDYRULW NHGXD VHWHODK EHURODKUDJD 3HUVHQWDVHQ\DSHUVHQ SDGD DQDNDQDN GDQSHUVHQ SDGD UHPDMD $QDNDQDN GDQ UHPDMD OHELK EDQ\DN PHQRQWRQ WHOHYLVL SDGD DNKLU SHNDQ $QDNDQDN GDQ UHPDMD PHQMDGL SHQRQWRQILOP ELRVNRSVHWLD 0HUHNDMXJD PHQ\XNDL NHJLDWDQNHJLDWDQ ODLQ VHSHUWL PHQGHQJDU PXVLNGDQPHQMHODMDKLQWHUQHW5HSXEWLND1RYHPEHU
0DNQD NDWD WHUIDYRULW SDGD WHNV WHUVHEXW DGDODK
$ VHULQJ GLODNXNDQ % SDOLQJEDQ\DNGLVXNDL
& EDQ\DNVHNDOLSHVHUWDQ\D ' PHQMDGLSRNRNSHPELFDUDDQ
3HUWDQ\DDQ \DQJ VHVXDL GHQJDQ WHNV WHUVHEXW DGDODK
$ 0HQJDSD PHQRQWRQ GDQ EHURODKUDJD EDQ\DN GLVXNDLUHPDMD"
% $FDUD DSD GL WHOHYLVL \DQJ SDOLQJ EDQ\DN GLWRQWRQUHPDMD"
& .HJLDWDQ DSD \DQJ EDQ\DNGLODNXNDQ UHPDMD GLDNKLUSHNDQVHWHODKEHURODKUDJD"
' %DJDLPDQD DQDNDQDN PHQJDWXU ZDNWX EHURODKUDJDGHQJDQPHQRQWRQELRVNRS"
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW% 7DKDS,
6LPSXODQLVLGDULWHNVWHUVHEXWDGDODK
$ 7HOHYLVL PHQMDGL VDWXVDWXQ\D KLEXUDQ XQWXN DQDNDQDNGDQUHPDMD
% 2UDQJ WXD KDUXV PHQJDZDVL DQDNDQDNQ\D NHWLNDPHUHNDPHQRQWRQWHOHYLVL
& $FDUDDFDUD GL WHOHYLVL VDQJDW EHUSHQJDUXK SDGDSHPEHQWXNDQNDUDNWHUDQDN
'$QDNQDN GDQ UHPDMD OHELK VXND PHODNXNDQ NHJLDWDQ\DQJEHUVLIDWKLEXUDQGDQSHUPDLQDQ
%DFDODK WHNV EHULNXW NHPXGLDQ NHUMDNDQ VRDO QRPRUGDQ
O0DVD HPDV3RNHPRQ *REHUODOX GHQJDQ FHSDW O'LULOLV
-XOL ODOXVDDWLQLSHUPDLQDQJDPHLWXWHODKEHUNXUDQJGUDVWLV
-3DGDKDOPRELOH JDPHEHUEDVLVDXJPHQWHGUHDOLW\LWX VHPSDW PHQFDWDWOLPDUHNRUGXQLDO6DPSDLVDPSDLSDUDSHMDEDWQHJDUD
SXQLNXWEHUNRPHQWDU
3HQQDPDQ
3RNHPRQ*RUHVPL GLULOLVSDGD -XOLO'LPXODLGDUL $XVWUDOLD 6HODQGLD %DUX ODOX $6 GDQ .DQDGD O6HMDN VDDW LWXSHUPDLQDQWHUVHEXWEHUWXUXWWXUXWPHOXDVNHQHJDUD ODLQ
-7HUPDVXN,QGRQHVLD\DQJNHEDJLDQMDGZDOULOLV$JXVWXV
-DZD3DV1RYHPEHU
,GH SRNRN SDUDJUDI SHUWDPD WHNV WHUVHEXW DGDODK
$ UHNRUJDPH3RNHPRQ*R % NHMD\DDQJDPH3RNHPRQ*R
& NHSRSXOHUDQ3RNHPRQ*RPXODLVXUXW ' 3RNHPRQ*RSHUPDLQDQEHUEDVLVUHDOLWD
.DOLPDWXWDPDSDUDJUDINHGXDGLWDQGDLQRPRU
$
%
F
'
%DFDODKWHNVEHULNXW
Q0LQDW EDFD PDV\DUDNDW ,QGRQHVLD WHUXWDPD DQDNDQDN GDQ
JHQHUDVLPXGDPDVLKVDQJDWUHQGDK+DOLQLGLSHUSDUDKGHQJDQ
SHUNHPEDQJDQSHVDWWHNQRORJL\DQJPHQMDGLIDNWRUSHQJKDPEDW PHQXPEXKNDQ PLQDW EDFD EDJL DQDNDQDN -,)HQRPHQD LWX PHPEXDW /XNPDQ 6DUGL DNWRU SULKDWLQ 'LD EHUNRPLWPHQ
PHQXPEXKNDQPLQDWEDFD0HODOXLJHUDNDQVRVLDO3HQJHWDKXDQ
WX.HNXDWDQGLD DNWLIPHQXPEXKNDQ PLQDWEDFD PXODL DQDN DQDNQ\DVHQGLULKLQJJDJHQHUDVLPXGD
.RUDQ6LQGR1RYHPEHU
3HQGDSDW \DQJ PHQGXNXQJ SDGD WHNV WHUVHEXW GLWDQGDLQRPRU
$
%
F
'
%DFDODKWHNVEHULNXW
6HPXD RUDQJ PHPLOLNL UDVD JHOLVDK DWDX FHPDV GHQJDQ WLQJNDW EHUEHGDEHGD $GD \DQJ KDQ\D VHGLNLW FHPDV KLQJJD FHPDV\DQJWHUODOX&DUD WHUEDLNXQWXNPHQMHODVNDQQ\DGHQJDQ PHPED\DQJNDQ UDVD WDNXWVDDWEHUELFDUD GL GHSDQ XPXP .LWD KDUXV EHUELFDUD VHFDUD WHUEXND GL GHSDQ NHUXPXQDQ EHVDUGDQ VDQJDWSHQWLQJ
$GD VHMXPODK DODVDQ PHQJDSD ZLVDWD ELVD PHQHQDQJNDQ NHFHPDVDQ 6DDW EHUZLVDWD VHVHRUDQJ GLWXQWXW IRNXV SDGD NHJLDWDQ EHUVHQDQJVHQDQJ 'HQJDQ IRNXV SDGD VDWX KDO \DQJ PHQ\HQDQJNDQVHVHRUDQJDNDQELVDPHOXSDNDQNHFHPDVDQQ\D OWXODKVHEDEQ\DEHUZLVDWDELVDPHPEDQWXKLODQJNDQNHFHPDVDQ .RUDQ6LQGR 1RYHPEHU
5LQJNDVDQWHNVWHUVHEXWDGDODK
$ 3HUEHGDDQ WLQJNDW NHFHPDVDQ VHVHRUDQJ GLVHEDENDQSHUEHGDDQGD\DNRQVHQWUDVL % &DUD PHQJDWDVLNHFHPDVDQEHUELFDUDGLGHSDQ
XPXPGHQJDQPHQJDMDNSHVHUWDEHUZLVDWD & %HUELFDUDGLGHSDQXPXPPHQ\HEDENHFHPDVDQ
PDNDNXUDQJLGHQJDQPHPELFDUDNDQZLVDWD ' 6HWLDS RUDQJ SHUQDK PHQJDODPL NHFHPDVDQ
WHUQ\DWD EHUZLVDWD GDSDW PHQJKLODQJNDQ NHFHPDVDQWHUVHEXW
%DFDODKNHGXDWHNVODSRUDQEHULNXW
7HNV
6DODK VDWX ZLVDWD DODP GL .DEXSDWHQ %DQJND 7HQJDK DGDODK +XWDQ 3DODZDQ /HWDNQ\D GL 'HVD 1DPDQJ GL GDUDWDQ 3XODX %DQJND /XDVQ\D VHNLWDU KHNWDUH +XWDQ EHUVWDWXV KXWDQ NHDQHNDUDJDPDQKD\DWL.RPSRVLVLQ\DKHNWDUHGLMDGLNDQWDPDQ ZLVDWDGDQVLVDQ\DKXWDQDGDW5HSXEOLND1RYHPEHU
7HNV
+DGLU VHMDN 6WDVLXQ .HPD\RUDQ WHUXV WXPEXK 6HMDODQ GHQJDQPDVDMD\DSDULZLVDWDGLGDUDWDQ-DZD6WDVLXQLQLPHQMDGL SLQWXJHUEDQJGDUL%DWDYLDNHVHMXPODKGHVWLQDVLZLVDWD6DPSDL PHQGHNDWLXMXQJDEDGNHNLQLVWDVLXQ LWXWLGDNODJLEHUMD\D %DQ\DNFHULWDWHUVLPSDQGL6WDVLXQ .HPD\RUDQ LQL-DZD 3RV 1RYHPEHU
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW%7DKDS,
3HUEHGDDQ SROD SHQ\DMLDQ NHGXD WHNV WHUVHEXW DGDODK
7HNV 7HNV
$ WHNQLNSHQMHODVDQ WHNQLNSHQFHULWDDQ % XUXWDQZDNWX XUXWDQUXDQJ
F
XPXPNKXVXV NKXVXVXPXP ' VHEDEDNLEDW DNLEDWVHEDE%DFDODKWHNVEHULNXW
QFHUSHQFHUSHQGLEXNXLQLGLWXOLV5HQGUDGHQJDQNHVHGHUKDQDDQ
EDKDVD WDQSD VHGNLW SXQ PHQJXUDQJL NHDJXQJDQ FHULWD GDQ VHOLSDQ PDNQD %XNX3DFDU6HRUDQJ 6HQLPDQLQL GLWHUELWNDQ
%HQWDQJ 3XVWDND WDKXQ -%XNX VHWHEDO KDODPDQ LQL PHUXSDNDQ NXPSXODQ FHUSHQ 1DVNDK GDODP EXNX LQL
KDGLU GHQJDQ SHQXK NHDXWHQWLNDQ SHQ\XQWLQJ GDQ SHQHUELW WLGDN SHUQDK VHNDOL SXQ EHUDQL PHQJXWDNDWLN NDOLPDWNDOLPDW EHQWXNDQ 5HQGUD 'L EHEHUDSD NDOLPDW PHPDQJ WDPSDN
NDOLPDWWLGDNHIHNWLI
3HUQ\DWDDQ \DQJ PHQ\DWDNDQ NHXQJJXODQ EXNX WHUGDSDWSDGDNDOLPDW
$ %
F
'
%DFDODK WHNV EHULNXW NHPXGLDQ NHUMDNDQ VRD
QRPRU2
VG
-7DQJDQ PXQJLO 5DQX PHQ\DPEXW SDKDNX EHJLWX DNX PHPEXND SLQWX 6HJHUD VDMD NXDQJNDWWXEXK ERFDK OHODNL OLPD WDKXQLWX7XEXKPXQJLOQ\DVHJHUDWHUEHQDPGDODPGHNDSDQNX
5DQXDGDODK DQDNSHUWDPDNX6HEHWXOQ\DDNX GDQ LVWULNX
0D\DQJ VXGDK NHSLQJLQ ODJL PHPLOLNLDQDNNHGXDWHWDSL7XKDQ EHOXPPHPSHUFD\DLNDPL
5DQXMDQJDQ JDQJJX D\DK D\DK FDSHN6XDUD 0D\DQJ
WDN PHQJKHQWLNDQ WDZD 5DQX $NX VHJHUD PHPERSRQJ ERFDK \DQJ UDPEXWQ\D VHSHUWL UDPEXW MDJXQJ LWX NH GDODP NDPDU 6HODQMXWQ\DVXDUD0D\DQJOHELKWHUGHQJDUVHSHUWLDLUNUDQ
O7DGL 5DQX EHODMDUDSD GLVHNRODK 1DN"7DKXQ LQLDGDODK WDKXQ SHUWDPD 5DQX NXPDVXNNDQ VHNRODK 7. EDUX VHEXODQ WHWDSLGLDVXGDKVXGDKWLGDNPDXGLWXQJJXLEXQ\D
7DGL5DQXGLVXUXKFHULWDWHQWDQJD\DK6HPXDWHPDQ5DQX
MXTD
\D"7HUXV5DQXFHULWDDSDVD\DQJ"
O5DQXFHULWDD\DKVXNDDMDN5DQXMDODQMDODQVDPD%XQGD
MXJD$\DK NDODX PDODPWLGDNPDX JRVRN JLJL NDODX SDJL VXND DMDN5DQX SHUJL EXUXEXUX NHVHNRODK7HUXV5DQXMXJDFHULWD NDODXD\DK5DQXLWXSDOLQJKHEDDDWWWW
0DNQD NDWDPHQ\DPEXWSDGDWHNVFHULWDWHUVHEXW DGDODK
$ PHQJDMDN % PHPRKRQ & PHQGHNDS ' PHPSHUVLODNDQ
:DWDNWRNRK5DQXDGDODK $ UDMLQGDQPDQMD
% PDQMDGDQDSDWLV & SRORVGDQFHNDWDQ ' OXJXGDQSHPEHUDQL
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
%DJLDQ SHUNHQDODQ SDGD WHNV HHULWD WHUVHEXW GLWDQGDLQRPRU $ %
F
' /DWDU SDGDWHNVWHUVHEXWDGDODK $ UXPDKVRUHKDUL % NDQWRUVLDQJKDUL & VHNRODKSDJLKDUL ' NDPDUWLGXUSDJLKDUL%DFDODK WHNV EHULNXW NHPXGLDQ NHUMDNDQ VRDO QRPRUVG
$GH6\DSXWUDWHUWXQGXNOHVX.HUWDVSHQJXPXPDQGLWDQJDQ GLJHQJJDPQ\D NXDWNXDW .LQL KDUDSDQPHQMDGLVHRUDQJDUVLWHN OHQ\DSWHUEDZDDQJLQ$JXVWXV3DGDKDOGLDVXGDKPHPED\DQJNDQ PHPEDQJXQ MHPEDWDQ OD\DQJ GDUL &LSD\XQJ 0XQMXO GHQJDQ WLJDWLDQJ VDMD
6XGDKODK 'H .DPX PDVLK ELVD PDVXN XQLYHUVLWDVVZDVWD GHQJDQMXUXVDQLWXNDWD2N\2N\$GHGDQ0DVDQLWLJDVHNDZDQ \DQJVXGDKEHUVDKDEDWVHMDN603 $GHPHPDQJWHUREVHVLVHNDOL PHPEDQJXQMHPEDWDQ GHQJDQ VHGLNLWWLDQJ 6HGDQJ 2N\\DQJ KRELEDULVEHUEDULVEHUFLWDFLWDPHQMDGLSHUZLUDDQJNDWDQGDUDW 0DVDQL \DQJ DJDN XQLN EDJL GLD WLGDN SHUOX FLWDFLWD -DGL DSD SXQ\DQJSHQWLQJEDKDJLD.DODXSHUOXMDGLWXNDQJQDVLXGXN GL SLQJJLUMDODQSXQWLGDNPDVDODK
0HUHNDEHUDVDOGDULNHOXDUJD\DQJEHUODWDUEHODNDQJHNRQRPL EHUEHGD 0DVDQL DQDNSHQJXVDKD VXNVHVRUDQJWHUND\DGL*DQJ 0DQGRU +DVDQ 7LGDN VRPERQJ DSDODJL DQJNXK 6HGDQJNDQ $GH 6DSXWUD DQDN VHPDWD ZD\DQJ LEXQ\D SHQJXVDKD
FDWHULQJ
EDSDNQ\DERVEDMDM2N\DQDNNRRUGLQDWRUSDUNLUGL 3DVDUOQGXN LEXQ\DVXSLUEXVZD\:DODXSXQGLDMDUDQJEHUWHPXLEXEDSDNQ\D GLDDQDN\DQJEDLN0DNQDVLPEROVHPDWDZD\DQJSDGDWHNVWHUVHEXW DGDODK
$ DQDNNHVD\DQJDQ % DQDNVDWXVDWXQ\D
& DQDN\DQJSHQXUXW ' DQDNODNLODNLVDWXVDWXQ\D
1LODL PRUDO \DQJ WHUGDSDW SDGD WHNV WHUVHEXW DGDODK
$ 6DOLQJ PHQ\HPDQJDWL MLND DGD WHPDQ EHUPDVDODK
% 6HWLDS RUDQJ KDUXV PHPSXQ\DL HLWDHLWD VHWLQJJLWLQJJLQ\D
&0HPDQIDDWNDQ NHND\DDQ RUDQJ WXD XQWXN EHUIR\DIR\D
' $SD SXQ SHNHUMDDQ RUDQJ WXD KDUXV GLKDUJDL GDQGLV\XNXUL 6HEDEWHUMDGLQ\DNRQIOLNSDGDWHNVWHUVHEXWDGDODK $ .HWLJDVDKDEDWPHPLOLNLFLWDFLWD\DQJEHUEHGD EHGD % $GH6\DSXWUDWLGDNGLWHULPDGLVXDWXXQLYHUVLWDV QHJHUL
& 0DODV EHODMDU VHKLQJJD PDVXN NH SHUJXUXDQ WLQJJLVZDVWD
' *DJDO PDVXN NH SHUJXUXDQ WLQJJL \DQJ GLLGRODNDQQQ\D
7HNV
6DOMX PXODL WXUXQ $VJHU WDN VDEDU LQJLQ NHOXDU +DOGRU VDXGDUDQ\D PDVLK WLGXU 1DPXQ LEX PHODUDQJQ\D
0XVLPJXJXUEDUX EHUODOX6DOMXQ\DPDVLK WLSLVXHDSOEX
$VJHU WLQJJDO GL .XWXE 8WDUD +DPSLU VHSDQMDQJ WDKXQ KDPSDUDQ VDOMX PHQXWXSL WDQDK %XQJD VD[LIUDJH XQJX GDQ WDQDPDQ EHDUEHUU\ WHUWXWXS VDOMX
+DOGRU PHPXWDU NHSDODQ\D GHQJDQ WHQDQJ OD SHODQ SHODQ PHQJDQJNDW KLGXQJQ\D GDQ PHQJKLUXS KDZD GL VHNLWDUQ\D
%HOXP WHUFLXP DSDDSD XMDU $VJHU NHHHZD
0HUHND PHQXQJJX GL GHNDW VHEXDK OXEDQJQDSDV\DQJDGD GL ODSLDQ VDOMX WHEDO
%RER2NWREHU
7HNV
6HPDQJDW 5XQL PDNLQ EHUWDPEDK PHQGHQJDU SXMLDQ 'DWXN OD PHODQMXWNDQ ODJL PHPDKDW EDWX LWX 6HWHODK EHEHUDSD SXNXODQEDWXLWXPDVLK EHOXP EHUZXMXG $NKLUQ\D LD NHOHODKDQ OD SXQ PHQ\XVXO 'DWXN \DQJ PDVLK DV\LN PHQJDPDWL DUHDDUHD \DQJ DGD GL WDPDQ .DOL LQL LD GDSDW PHQLNPDWL NHLQGDKDQ DUHDDUHD EDWX LWX OD MXJD EHUXEDK PHQMDGL SHQJDJXPXNLUDQ SDGD EDWXVHSHUWL'DWXN
6XDWX KDUL 'DWXN EHUMDODQMDODQ NH PXVHXP OD PHPLQWD NHOXDUJD3DN+HUXXQWXN PHQHPDQLQ\D 6D\LQJ VDDW LWX 3DN +HUX WLGDN GDSDW PHQJDQWDUNDQ NDUHQD PRELOQ\D UXVDN 6HPHQWDUD 3DN +HUX GDQ %X 'DQL NH EHQJNHO 5XGL GDQ 5XQL PHQHPDQL 'DWXN EHUMDODQMDODQ GL PXVHXP%RER 2NWREHU
%DFDODKNHGXDWHNVEHULNXWNHPXGLDQNHUMDNDQ VRDOQRPRUGDQ
$NLEDWNRQIOLNSDGDWHNVWHUVHEXWDGDODK $ $GH6\DSXWUDVHPSDWSUXVWDVLDZDOQ\D
% 2N\ GDQ 0DVDQL EHUXVDKD PHPEXMXN $GH 6\DSXWUD
& -HPEDWDQ \DQJ GLFLWDHLWDNDQQ\D WLGDN WHUZXMXG
' $GH6\DSXWUDEHUDOLKFLWDFLWDPHQMDGLVHRUDQJ WHQWDWDUD
3HUEHGDDQ SROD SHQJHPEDQJDQ NHGXD WHNV WHUVHEXWDGDODK
7HNV 7HNV
$ GLDZDOL SHUNHQDODQ GLDZDOL NRQIOLN % GLDZDOLSHPXQHXODQ GLDZDOLSHUNHQDODQ
PDVDODK
F
GLDZDOL SHUNHQDODQ GLDZDOL SHQ\HOHVDLDQ ' GLDZDOL NRQIOLN GLDZDOLSHQXUXQDQPDVDODK
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW% 7DKDS,
P
ak
A
$
%
7HNV
XWDPDQ\D EDQ\DN PHQJJXQDNDQ NDOLPDW
7HNV
XWDPDQ\D %DQ\DN
PHQJJXQDNDQ NDOLPDW
& %DKDVD \DQJ GLJXQDNDQ EDQ\DN PHQ\HOLSNDQ NDWDNDWDGDULEDKDVDGDHUDK
' %DKDVD VHGHUKDQD PXGDK GLSDKDPL NDUHQD WLGDNPHQJJXQDNDQNDWDNDWDDVLQJ
3HUKDWLNDQWHNVUXPSDQJEHULNXW
%DWLN PHPDQJ VHULQJ PHPEXDWRUDQJ NHVHQJVHP %HJLWXMXJD GHQJDQ +RQ 6WHSKDQ\ 8\ 7DQ :DOL .RWD &DWEDORJDQ )LOLSLQD \DQJPHQJXQMXQJL.DEXSDWHQ7UHQJJDOHN:DOLNRWDSHUHPSXDQ WHUVHEXWEDKNDQ>@ EHODMDUPHPEDWLN
3HUEHGDDQ SHQJJXQDDQ EDKDVD NHGXD WHNV WHUVHEXWDGDODK
WLGDN PHQJJXQDNDQ PH Q J J X QD ND Q NDWD JDQWL XQWXN NDWD JDQWL XQWXN PHQ\HEXWNDQ WRNRK PHQ\HEXWNDQ WRNRK
F
'
SHUEDQGLQJDQ SHUWHQWDQJDQ NDOLPDWQ\DSDQMDQJ NDOLPDWQ\DSHQGHN SDQMDQJ GDQ GDQVHGHUKDQD NRPSOHNV
PHQJJXQDNDQ NDWD PHQJJXQDNDQNDWD NDWDDVLQJ UDJDPOLVDQ
.DWD\DQJWHSDWXQWXNPHOHQJNDSL WHNVWHUVHEXW DGDODK
$ VHULXV % WHNXQ & DQWXVLDV ' HPRVLRQDO
%DFDODK WHNV EHULNXW NHPXGLDQ NHUMDNDQ VRDO QRPRUVG
%HUKDULKDUL VHWHODKQ\D DNX WHUXV EHUWDQ\D SDGD LEXDSDNDK DNX SXQ\D D\DK7DSL LEXWDN SHUQDKPHQMDZDEQ\D
6DDW LWX DNX PHPDQJ WDN SHUQDK PHOLKDW DWDX EHUWHPX GHQJDQ VHVHRUDQJ \DQJ ELVD DNX SDQJJLOD\DK6HWDKXNXDNXKDQ\DSXQ\DNDNHN QHQHN3DNGH%RZR%XGKHGDQ0DV$QXQJO\D KDQ\DLWXWLGDNDGDD\DKGLDQWDUDPHUHND
OEX EDUX PHPEHUL WDKX DNX WHQWDQJ D\DK VDDWDNX QDLNNHNHODVGXD6'6RUHLWXGLPXVLP KXMDQ GHQJDQ VHSLULQJ VLQJNRQJ JRUHQJ GDQ VHJHODV EHVDU WHK PDQLV DNX GXGXN EHUGXD GDQ PHPDQJ VHSHUWL LWX VHODOXQ\D KDQ\D NDPL EHUGXD GHQJDQ LEX GL WHUDV UXPDK 6HVHNDOL WHPSLDVKXMDQPHQJHQDLPXNDNX
$\DK-XVWWR/DVVR
.RPHQWDUWHUKDGDSOVLFHULWDWHUVHEXWDGDODK $ 6HRUDQJ D\DK KDUXV EHUWDQJJXQJ MDZDE
NHSDGDNHOXDUJD
% 6HRUDQJ LEX PHPDQJ KDUXV ELMDN XQWXN PHQ\DPSDLNDQVHVXDWXNHSDGDDQDNQ\D
& 6HRUDQJ DQDN WLGDN SHUQDK EHUWHPX GHQJDQ D\DKQ\DNDUHQDNHVLEXNDQPDVLQJPDVLQJ ' .DNHN QHQHN GDQ NDNDN MDQJDQ PHPEHUL
NHWHUDQJDQ\DQJPHPELQJXQJNDQDGLNQ\D
.RPHQWDU WHUKDGDS SROD SHQJHPEDQJDQ FHULWD WHUVHEXWDGDODK
$ 3HUWDQ\DDQ DQDN NHSDGD LEX PHUXSDNDQ SHPXQFXODQPDVDODK
% 6HWHODKDQDNPHQJHWDKXLNHEHUDGDDQD\DKQ\D LQLFDUDSHQ\HOHVDLDQFHULWDLQL
& -DZDEDQ\DQJKDUXVGLEHULNDQNHSDGDNHOXDUJD VHEDJDLNRQIOLNGDODPFHULWDLQL
' 3HUNHQDODQ EDUX GLPXQFXONDQ SDGD SDUDJUDI NHGXD\DLWXPHPSHUNHQDONDQWRNRKWRNRKQ\D .RPHQWDU WHUKDGDS SHQJJXQDDQ EDKDVD SDGD
FHULWDWHUVHEXWDGDODK
$ &HULWDQ\D GLVDPSDLNDQ GHQJDQ PHQJJXQDNDQ NDOLPDWNDOLPDWODQJVXQJ
% .DWDNDWD \DQJ GLJXQDNDQ GLSHQJDUXKL NRVD NDWDSHUJDXODQDQDNDQDNUHPDMD
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW% 7DKDS,
3HUKDWLNDQWHNVUXPSDQJEHULNXW
3HUPDLQDQ
EHEHQWHQJDQ
%DJL SHPDLQ GDODP GXD NHORPSRN VHWLDS NHORPSRN EHUWXJDV PHPSHUWDKDQNDQ EHQWHQJQ\D GDUL VHQWXKDQ SHPDLQ ODZDQ 3HPDLQ \DQJ NHOXDU GDUL EHQWHQJQ\D DNDQ GLWDQJNDS ROHK SHPDLQ ODZDQMLNDWHUWDQJNDSSHPDLQWHUVHEXWGLWDKDQ GLEHQWHQJODZDQQ\D&DUD EHUPDLQQ\D VDODK VHRUDQJ NHOXDU GDUL EHQWHQJQ\D XQWXN SHQ\HQWXK EHQWHQJ ODZDQ > @ SHPDLQ ODLQ PHQJHMDU SHPDLQ \DQJ PHQJHMDU NDZDQQ\D EHJLWX VHWHUXVQ\D VDPSDL EHQWHQJWLGDNDGDSHQXQJJXNDUHQDSHPDLQQ\D WHUWDQJNDSVHPXD
.DOLPDW SHWXQMXN \DQJ WHSDW XQWXN PHOHQJNDSL WHNVWHUVHEXWDGDODK
$ 3HPDLQ PXVXK PHPELDUNDQQ\D ODZDQ VDPSDL GLEHQWHQJQ\D
% 3HPDLQ GDUL EHQWHQJ ODLQ PHQJHMDU XQWXN PHQDQJNDSNDQ\D
& 3HPDLQ PXVXK PHQJHMDU EHUDPDLUDPDL GDQ PHQLQJJDONDQEHQWHQJQ\D
' 3HPDLQ\DQJODLQ PHQJLNXWLGDULEHODNDQJGDQ PHQLQJJDONDQEHQWHQQJQ\D
3HUKDWLNDQNDOLPDWNDOLPDWEHULNXWO
3DGDKDOELODDQHPLDELVDGLWDQJJXODQJLVHJDOD JHMDODLWXELVDKLODQJ
3DVDOQ\DJHMDODDQHPLD FDSHNSXVLQJGDQOHVX VHULQJNDOLGLDQJJDSDNLEDWNHOHODKDQ
$QHPLD DGDODK VXDWX NRQGLVL GL PDQD NDGDU KHPRJORELQ +E GDODPGDUDK NXUDQJGDUL
JGO
3DGDDNKLUQ\DSURGXNWLYLWDVPHQLQJNDW %DQ\DN PDV\DUDNDW \DQJ WLGDN PHQ\DGDUL
GLULQ\DNHQDDQHPLD
.DOLPDWNDOLPDW WHUVHEXW DNDQ PHQMDGL ODSRUDQ \DQJWHSDWGHQJDQXUXWDQ
$ %
&
'
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
3HWXQMXNPHPEXDW SHUDQJNDW KDPDWDQDPDQ EDZDQJSDGDPDODPKDUL
1\DODNDQODPSXNHWLNDKDULVXGDKJHODS 3DVDQJ ODPSX ZDWW GL NHEXQ EDZDQJ
VHWLDSMDUDN2 PHWHU
%HUVLKNDQ SDJL KDULQ\DGHQJDQ PHQJJXQDNDQ VDUXQJWDQJDQ
/HWDNNDQ QDPSDQZDGDK\DQJVXGDKGLEDVDKL LQVHNWLVLGDGLEDZDKODPSX
6HFDUDQDOXULKDPDDNDQEHUNHUXPXQGLWHUQSDW WHUDQJ
8UXWDQ\DQJWHSDWSHWXQMXNWHUVHEXWDGDODK $
%
& '
3HUKDWLNDQNDOLPDWUXPSDQJEHULNXW
2NVLJHQGLSHUOXNDQROHK >@WXEXKVHSHUWLRWRWGDQRWDNXQWXN PHODNXNDQIXQJVLQ\D
.DWD \DQJ WHSDW XQWXN PHOHQJNDSL NDOLPDW WHUVHEXWDGDODK
$ RUJDQ % EDJLDQ
& DQJJRWD ' MDULQJDQ
3HUKDWLNDQ WHNVUXPSDQJEHULNXW
:DNWX PHQGRQJHQJ GHQJDQ FDUD PHPEDFDNDQ GRQJHQJ EDJL DQDNVDQJDWSHQWLQJ 3DNDU
SDUHQWLQJ
PHQ\DUDQNDQ SDUD RUDQJ WXDXQWXNPHQMDGLNDQVWRU\WLPH
VHEDJDLSULRULWDV>@3HQJDUXK LWX EXNDQ VDMD SDGD SHQGLGLNDQWHWDSLMXJD SDGD SHULODNX GDQ NRQGLVLHPRVLRQDOQ\D.DOLPDW \DQJ WHSDW XQWXN PHOHQJNDSL WHNV WHUVHEXWDGDODK
$ 3HQJDUXK GRQJHQJ \DQJ GLGHQJDUNDQ DQDN EHOXPGLWHOLWLNHEHQDUDQQ\D
% 6LDSNDQ ZDNWX EHEHUDSD VDDW XQWXN PHPSHQJDUXKLDQDNGHQJDQGRQJHQJ
& 6HWLDSKDULRUDQJWXDDNDQ PHPSHUGHQJDUNDQ GRQJHQJNHSDGDDQDNQ\DVHEHOXPWLGXU ' /XDQJNDQ ZDNWX PHQLW VHWLDS KDUL XQWXN
EHUEDJL FHULWD LQL PHPEHUL SHQJDUXK \DQJ EHUDUWL
7HNV\DQJWHSDWVHVXDLGHQJDQGDWDEXNXWHUVHEXW DGDODK
$ %XNX \DQJ GLWXOLV ROHK VHRUDQJ GRNWRU SHQGLGLNDQ VHNDOLJXV SHPHUKDWL DQDN LQL VXGDK EDQ\DN GLEDFD RUDQJ %XNX \DQJ PHQJHPXNDNDQ WULNWULN PHPEDQJNLWNDQ KDUJD GLUL DQDN GLWXOLV GHQJDQ PHQJJXQDNDQ EDKDVD \DQJ VHGHUKDQD 1DPXQ WHWDS PHPEDKDVSHUVRDODQDQDNVHFDUDPHQGDODP % %XNX 0HPEDQJNLWNDQ +DUJD 'LUL $QDNZDMLE
GLEDFDROHKRUDQJWXDGDQJXUX3DGD EXNXLQ GLEDKDV FDUDFDUD PHPEDQJNLWNDQ KDUJD GLU VHRUDQJ DQDN 3HUVRDODQ DQDN GLNHPXNDNDQ
GHQJDQ PHQGDODP GDUL EHUEDJDL VLVL
6HDQGDLDQ\DXUDLDQWLGDNWHUODOXPHQ\HEDUGDQ WXOLVDQGLSHUEHVDUEXNXVDQJDWPHQDULN
& +DUULV &OHPHV VHRUDQJ SHPHUKDW SHUNHPEDQJDQ DQDN PHQX,LV EXNX 0HPEDQJNLWNDQ +DUJD 'LUL$QDNGHQJDQ EDLN 8UDLDQ FXNXS PHQGDODP GHQJDQ FRQWRK FRQWRKNDVXV\DQJWHUMDGLSDGDDQDN'LWXOLVG DWDV NHUWDV \DQJ EHUNXDOLWDV WLQJJL PHPEXDW EXNX LQL FXNXS VHPSXUQD VHEDJDL VHEXDK EDFDDQNHOXDUJD
' 6HWLDS RUDQJ WXD GDQ JXUX MLND EROHK PHQ\DUDQNDQ ZDMLE PHPEDFD EXNX LQL %XNX \DQJ PHQMHODVNDQ GXQLD DQDN GLWXOLV GHQJDQ EDKDVD \DQJ UXQWXW GDQ NRPXQLNDWLI -HQLV KXUXI GDQ WXOLVDQQ\D SXQ FXNXS PHPEDQWX SDUD SHPEDFDQ\D$SDODJL XUDDQ GL GDODPQ\D MXJD GLVHUWDL GHQJDQ VWXGL NDVXV\DQJ GLDODUQL
DQDNDQDN
3HUKDWLNDQGDWDKDVLOSHQJDPDWDQEHULNXW 3HUNHPEDQJDQ-XPODK5HNHQLQJ
'DQ1LODL7DEXQJDQ$JXVWXV
7DKXQ 5HNHQLQJMXWD 1LODL7DEXQJDQ5SWULOLXQ
.HXQJJXODQ 0HQJHPXNDNDQ SHUVRDODQ VHSXWDU DQDN VHFDUD PHQGDODP
6XPEHU0HGLD,QGRQHVLD 1RYHPEHU
7HNV ODSRUDQ \DQJ VHVXDL GHQJDQ GDWD WHUVHEXW DGDODK
$ 3HUNHPEDQJDQ WDEXQJDQ VDPSDL EXODQ $JXVWXVFXNXSVLJQLILNDQ1LODLWDEXQJDQ WHUWLQJJL WHUMDGL SDGD WDKXQ GHQJDQ MXPODK5SWULOLXQ-XPODKQLODLWDEXQJDQ WHUXVEHUWDPEDKVHWLDSEXODQ$JXVWXV
% -XPODK SHQDEXQJ VHWLDS WDKXQQ\D WHUXV EHUWDPEDK3DGDWDKXQMXPODKSHQDEXQJ WHUFDWDW 5SO MXWD UHNHQLQJ 7DKXQ EHUWDPEDK PHQMDGL 5SOMXWDGHQJDQ QLODL WDEXQJDQVHEHVDU5SWULOLXQ
3HUKDWLNDQGDWDEXNXEHULNXW
1R 'DWD 8UDLDQ
-XGXO 0HPEDQJNLWNDQ +DUJD'LUL$QDN 3HQXOLV +DUULV&OHPHV3K' .HOHPDKDQ 8UDLDQ EHUSXWDU
SXWDU XNXUDQ KXUXI WHUODOXNHFLO
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW%7DKDS,
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
& -XPODK UHNHQLQJ EDUX VHWLDS WDKXQQ\D WHUXV EHUWDPEDK 6HMDN WDKXQ KLQJJD WDKXQ WHUFDWDW 5S MXWD UHNHQLQJ 3DGD WDKXQQLODLWDEXQJDQPHQFDSDL5S MXWDOQLEHUEHGDGHQJDQWDKXQ
' $QWXVLDV PDV\DUDNDW XQWXN PHQDEXQJ WHUXV PHQLQJNDW +DO LQL WHUOLKDW SDGD GDWD WHUVHEXW VHMDNWDKXQVDPSDLGHQJDQPHQFDSDL MXWD UHNHQLQJ +DO LQL EHUEDOLN GHQJDQ MXPODKQLODLWDEXQJDQQ\D\DQJWHUXVPHQXUXQ 3HUKDWLNDQNDOLPDWEHULNXW
'L ,QGRQHVLDMDNHWERPEHUWHODKODPDPHQMDGLJD\DEHUGDQGDQ WHUXWDPDEDJLZDUJDVLSLO\DQJPHQ\XNDLGXQLDPLOLWHU
.DWD\DQJWLGDNWHSDWSDGDNDOLPDWWHUVHEXWDGDODK $ VLSLO
% JD\D
& GXQLD ' EHUGDQGDQ
3HUKDWLNDQNDOLPDWNDOLPDWEHULNXW
'HQJDQ EHUEDJDL WHNQRORJL NHLQJLQDQ SXQ\D KLGXQJPDQFXQJEXNDQODJLPLPSL
6HEDLNQ\D ELOD PDNDQ GDJLQJ GLEDUHQJL GHQJDQPLQXPDLUSXWLK
%DKDQ PDNDQDQ QDEDWL GHQJDQ PHQJDQGXQJ ]DWEHVL EDKNDQSHQ\HUDSDQQ\DUHQGDK \DLWX VD\XUDQKLMDX
$\DK KDUXV PHQJDPELO SHUDQ GDODP SHQJDVXKDQDQDNDJDUWXPEXKNHPEDQJDQDN PHQMDGLRSWLPDO
.DOLPDW\DQJWLGDNHIHNWLIDGDODK
$ %
F
'3HUKDWLNDQSDUDJUDIEHULNXW
QLFDQGL.HGXODQEHUDGDGLEDZDKWDQDKVHGDODPGHODSDQPHWHU
O.HVDQ SHUWDPD NHWLND PHOLKDWFDQGL LQL VHSHUWL GLEDQJXQ GL
GDODPVHEXDKNRODP.RODP\DQJGLSDNDLXQWXNPHPHOLKDUD
LNDQ EDQGHQJODQGL .HGXODQ WHUWLPEXQ SDVLU ODYD *XQXQJ
0HUDSL VHODPD EHUDEDGDEDG ODQGL LQL GLWHPXNDQ ROHK
SHQDPEDQJSDVLU WDKXQ
.DOLPDW\DQJWLGDNSDGXDGDODK
$ %
F
'3HUKDWLNDQNDOLPDWUXPSDQJEHULNXW
6HRUDQJ > @ WLQMX VHGDQJ NHELQJXQJDQ PHQFDUL ODZDQ WDQGLQJXQWXNSHWLQMXQ\D
OVWLODK \DQJ WHSDW XQWXN PHOHQJNDSL NDOLPDW WHUVHEXWDGDODK
$ NXUDWRU % SURPRWRU
& QHJRVLDWRU ' SURYRNDWRU
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW%7DKDS,
3HUKDWLNDQNDOLPDWUXPSDQJEHULNXW
:DQJLGXSDGLGHSDQFDQGL XWDPD PHQ\HEDU>@ VHQMD\DQJ PXODLEHUDQMDNJHODS
.DWD EHULPEXKDQ \DQJ WHSDW XQWXNPHOHQJNDSL NDOLPDWWHUVHEXWDGDODK
$ GLLULQJL % VHLULQJ
& EHULULQJDQ ' PHQJLULQJL
3HUKDWLNDQNDOLPDWUXPSDQJEHULNXW
3HUQLNDKDQQ\DGLKDGLUL> @ EDKNDQDGD\DQJKDUXVEHUMDODQ PLULQJNHWLNDPHOHZDWLSLQWX
.DWD XODQJ\DQJWHSDWXQWXNPHOHQJNDSL NDOLPDW WHUVHEXWDGDODK
$ RUDQJRUDQJEHVDU % RUDQJEHVDUEHVDU
& RUDQJEHVDUEHVDUDQ ' RUDQJEHVDURUDQJEHVDU 3HUKDWLNDQNDOLPDWEHULNXW
.HDGDDQ .RWD<RJ\DNDUWD \DQJ EHUDGD GL EDZDK VDQD WHUOLKDW VDQJDWLQGDK
3HUEDLNDQ NDWD \DQJ WLGDN WHSDW SDGD NDOLPDW WHUVHEXWDGDODK
$ LQGDKGLJDQWLWDNMXE
% VDQJDWGLJDQWLVHNDOL & EHUDGDGLJDQWLQDPSDN
' NHDGDDQGLJDQWLSHPDQGDQJDQ
3HUKDWLNDQNDOLPDWEHULNXW
$QDNVXGDKNHFHUGDVDQELVDWHUOLKDWNHWLNDDQDNPDVLKED\L 3HUEDLNDQNDOLPDWWHUVHEXWDGDODK
$ .HFHUGDVDQDQDNVXGDKELVDWHUOLKDWVHMDNDQDN PDVLKED\L
% $QDNFHUGDV VXGDK ELVD NHFHUGDVDQQ\D NHWLND PDVLKED\L
& .HWLNDPDVLKED\LDQDNGHQJDQNHFHUGDVDQELVD VXGDKWHUOLKDW
' .HFHUGDVDQ DQDN ED\L VXGDK WHUOLKDW NHWLND PDVLKDQDNDQDN
3HUKDWLNDQ SDUDJUDIWLGDNSDGXEHULNXW
6HRUDQJ DKOL VDUDI $QGUH\ 5\DELQLQ PHQHOLWL WHQWDQJ WLNXV \DQJELVDNHWXODUDQPHUDVDNDQVDNLW6HVHRUDQJPHQHOLWLGXD NHORPSRNWLNXV.HORPSRNSHUWDPDDGDODKWLNXV\DQJGLELDUNDQ EHUNHOLDUDQGLJHQDQJDQDONRKRO.HORPSRNNHGXDDGDODKWLNXV \DQJ KDQ\D PLQXP DLU SXWLK 7LNXVWLNXV LQL GLXML UDVD VDNLW GHQJDQFDUDPHQ\LNDWWDSDNNDNLQ\D
3HUEDLNDQSDUDJUDIWHUVHEXWDGDODK $ NDOLPDWNHWLJDGLKLODQJNDQ
% NDWDVHVHRUDQJGLJDQWLGLD5\DELQLQ
& NDWDNHORPSRNSDGD NDOLPDW NHHPSDW GLJDQWL
WLNXV
' NDWDWLNXVWLNXVSDGD NDOLPDW WHUDNKLU GLJDQWL
PHUHND
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
3HUKDWLNDQNDOLPDWEHULNXW
3HUORPEDDQ )LOP (WQRJUDIL LQL EHUWXMXDQ XQWXN PHQ\HGLDNDQ ZDGDK EDJL VHPXDMHQLVILOPPXODL GDUL ILOPGRNXPHQWHUILOP VHQLVDPSDLILOPFHULWD
$ODVDQ NHWLGDNWHSDWDQ SHQJJXQDDQ NDWD SDGD NDOLPDWWHUVHEXWDGDODK
$ .DWDPHQ\HGLDNDQSHQJJXQDDQQ\DVHKDUXVQ\D VHWHODKNDWD(WQRJUDIL
% .DWDEDJLWLGDNWHSDW NDUHQD VXGDK DGD NDWD XQWXNSDGDNDOLPDWWHUVHEXW
& .DWD ZDGDK KDQ\D GLJXQDNDQ XQWXN WHPSDW
VHVXDWX\DQJEHUEHQWXNEHQGD
' .DWDSHUORPEDDQGLJXQDNDQ XQWXN SHQFDULDQ
MXDUDGDODPELGDQJRODKUDJDDWDXSHUPDLQDQ
3HUKDWLNDQNDOLPDWWLGDNHIHNWLIEHULNXW 6HMDN PDVLK NHFLO VXGDK GLSHUNHQDONDQ GHQJDQ NXFLQJ ROHK NHOXDUJDQ\D
$ODVDQNHWLGDNHIHNWLIDQNDOLPDWWHUVHEXWDGDODK $ 6XVXQDQQ\DWLGDNWHUDWXU
% 3HODNXVXEMHNNDOLPDWWHUVHEXWWLGDNMHODV & 3HUEXDWDQSUHGLNDWQ\DWLGDNGLLNXWLREMHN ' .HWHUDQJDQ ZDNWX GLOHWDNNDQ SDGD DZDO
NDOLPDW
3HUKDWLNDQSDUDJUDIWLGDNSDGXEHULNXW OO.XUDQJQ\D DVXSDQ ]DW EHVL GLVHEDENDQ NXUDQJQ\D PDNDQDQ \DQJPHQJDQGXQJ]DWEHVL=O+DOLQLNDUHQDNXUDQJQ\DNRQVXPVL PDNDQDQ ND\D VXPEHU ]DW EHVL O8PXPQ\D RUDQJ OHELK VXND
PDNDQDQVLDSVDMLO6XPEHUPDNDQDQ\DQJND\DVXPEHU]DWEHVL
EHUDVDO GDUL KHZDQL ORQWRK VXPEHU PDNDQDQ KHZDQL \DQJ
ND\D ]DW EHVL GL DQWDUDQ\D KDWL GDJLQJ VDSL GDJLQJ NDPELQJ XQJJDVGDQLNDQ
$ODVDQNHWLGDNSDGXDQSDUDJUDIWHUVHEXWDGDODK $&RQWHKSDGDNDOLPDWWLGDNVHVXDL
% .DOLPDWNDWDUXMXNDQQ\DWLGDNMHODV & OVL NDOLPDW PHQ\LPSDQJGDULSHPELFDUDDQ ' 3RNRN\DQJ GLELFDUDNDQ SDGD NDOLPDW WLGDN
IRNXV
3HUKDWLNDQNDOLPDWEHULNXW
'L -DODQ 'LSRQHJRURWHSDWQ\D GL GHSDQ %DSSHQDV SDUD /XUDK VHGDQJEHURUDVL
.DWD GHQJDQHMDDQ\DQJWLGDNWHSDWSDGD NDOLPDW WHUVHEXWDGDODK
$ -DODQ % /XUDK & EHURUDVL ' %DSSHQDV
3HUKDWLNDQWDQGDEDFDSDGDNDOLPDWEHULNXW 1DN WRORQJ LEX EHOLNDQ JDUDP FDEH GDQ NHFDS NDWD LEX NHSDGD$LVDK
7DQGDEDFD\DQJWLGDNWHSDWSDGDNDOLPDWWHUVHEXW DGDODK
$ WLWLNGXD^
% WDQGDNXWLSGXD^ & NRPD^ VHWHODKNDWD1DN
' NRPDVHWHODKNDWDNHFDS
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW% 7DKDS,
3HUKDWLNDQNDOLPDWNDOLPDWEHULNXW
.HEHUDGDDQ -HPEDWDQ $NDU WLGDN VHNDGDU MHPEDWDQPHODLQNDQSHQ\DPEXQJNHKLGXSDQ *HVHNDQDQWDUDDLUGDQ EDWXSXQPHQFLSWDNDQ
EXQ\L \DQJVDKGX
-HPEDWDQ $NDU PHUXSDNDQ VDODK VDWX ORNDVL ZLVDWD\DQJGLUHNRPHQGDVLNDQ
'LVHEUDQJGHVDSHUPXNLPDQWHUGDSDWODGDQJ EHUFRFRNWDQDPPDV\DUDNDW6XNX%DGXL 6HWHODK SXDV EHUIRWR 5LDQ GDQ GXDWHPDQQ\D
WXUXQNHVXQJDLOHSDVSDNDLDQODOXE\XXXXXU
.DOLPDW \DQJ WHUGDSDW NDWD EHUHMDDQ WLGDNWHSDW DGDODK
$ GDQ % GDQ & GDQ ' GDQ
3HUKDWLNDQNDOLPDWODQJVXQJEHULNXW
%HULVD\DNHVHPSDWDQVHNDOLODJL3DNNDWD5HILVXDUDQ\DOLULKQ\DULV WDNWHUGHQJDU
3HQJJXQDDQ WDQGD EDFD SDGD NDOLPDW WHUVHEXW \DQJWHSDWDGDODK
$ %HUL VD\D NHVHPSDWDQ VHNDOL ODJL 3DN NDWD 5HILVXDUDQ\DOLULKQ\DULVWDNWHUGHQJDU
% %HUL VD\D NHVHPSDWDQ VHNDOL ODJL 3DN" NDWD 5HILVXDUDQ\DOLULKQ\DULVWDNWHUGHQJDU
& %HUL VD\D NHVHPSDWDQ VHNDOL ODJL 3DN NDWD 5HILVXDUDQ\DOLULKQ\DULVWDNWHUGHQJDU
' %HULVD\DNHVHPSDWDQVHNDOLODJL3DNNDWD5HIL VXDUDQ\DOLULKQ\DULVWDNWHUGHQJDU
3HUKDWLNDQNDOLPDWEHULNXW
3RSXODVL KDULPDXVXPDWHUDWHUDQFDPSXQDKNDUHQD SHPEXUXDQ OLDU
3HUEDLNDQHMDDQSDGDNDOLPDWWHUVHEXW\DQJWHSDW DGDODK
$ 3RSXODVL KDULPDX VXPDWHUD WHUDQFDP SXQDK NDUHQDSHUEXUXDQOLDU
% 3RSXODVL KDULPDX 6XPDWHUD WHUDQFDP SXQDK NDUHQDSHPEXUXDQOLDU
& 3RSXODVL +DULPDX 6XPDWHUD WHUDQFDP SXQDK NDUHQDSHPEXUXDQOLDU
' 3RSXODVL KDULPDX 6XPDWUD WHUDQFDP IXQDK NDUHQDSHUEXUXDQOLDU
3HUKDWLNDQNHVDODKDQWDQGDEDFDSDGDNDOLPDW EHULNXW
,
:DKEXNDQPDLQKHEDWQ\DSHPDLQVLUNXVLWX,
3HUEDLNDQ WDQGD EDFD SDGD NDOLPDW WHUVHEXW DGDODK
$ :DKEXNDQPDLQKHEDWQ\DSHPDLQVLUNXVLWX % :DKEXNDQPDLQKHEDWQ\DSHPDLQVLUNXVLWX & :DKEXNDQPDLQKHEDWQ\DSHPDLQVLUNXVLWX" ' :DKEXNDQPDLQKHEDWQ\DSHPDLQVLUNXVLWX
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
3HUKDWLNDQNDOLPDWEHULNXW
0HUHNDPHQ\DQ\LNDQEHEHUDSDODJX 'DHUDKGLDQWDUDQ\D0DQXN 'DGDOLGDUL-DZD%DUDW
$ODVDQNHWLGDNWHSDWDQHMDDQSDGDNDOLPDWWHUVHEXW DGDODK
$ -XGXOODJXWLGDNGLWXOLVGHQJDQKXUXINDSLWDO % .DWD GDHUDK WLGDN PHQXQMXNNDQ XQVXU GLUL
JHRJUDIL
& /DJXGDHUDKPHQXQMXNNDQNKDVWHUWHQWXGLWXOLV GHQJDQKXUXINDSLWDO
' -DZD%DUDWWLGDNPHQXQMXNNDQGDHUDKWHUWHQWX VHKDUXVQ\DGLWXOLVGHQJDQKXUXINHFLO
8MLFRED8MLDQ1DVLRQDO%DKDVD,QGRQHVLD3DNHW% 7DKDS,
3HUKDWLNDQ NHWLGDWHSDWDQ WDQGD EDFD SDGD NDOLPDWEHULNXW
%LDVDQ\DDQDNDQDN%DGXLPHPDLQNDQNROHFHUEHUVDPDVDPD $ODVDQ NHWLGDNWHSDWDQ SHQJJXQDDQ WDQGD EDFD SDGDNDOLPDWWHUVHEXWDGDODK
$ 7LWLNWLGDNGLJXQDNDQSDGDNDOLPDWEHULWD % 7DQGDKXEXQJWLGDNGLSDNDLSDGDNDWDXODQJ
PXUQL
&7LWLN GXD GLSDNDL SDGD SHUQ\DWDDQ \DQJ GLLNXWLSHPHULDQ
' .RPD WLGDN GLSDNDL GLEHODNDQJ XQJNDSDQ SHQJKXEXQJDQWDUNDOLPDW
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
8-,&2%$8-,$11$6,21$/8&81 ,
603
,
07V
7$+81 3(/$-$5$1
/(0%$562$/
3$.(7
$
0DWD 3HODMDUDQ +DUL7DQJJDO :DNWX
0DWHPDWLND
6HODVD )HEUXDUL 3XNXO PHQLW
3(781-8.8080
7XOLVQRPRU$QGDSDGDOHPEDUMDZDEDQNRPSXWHU/-.
3HULNVDODKGDQEDFDODKVRDOVRDOGHQJDQWHOLWLVHEHOXPPHQMDZDE 'DKXOXNDQPHQMDZDEVRDOVRDO\DQJ$QGDDQJJDSPXGDK .HUMDNDQSDGD/-.\DQJGLVHGLDNDQ
+LWDPNDQODKEXODWDQSDGDKXUXIMDZDEDQ\DQJ$QGDDQJJDSEHQDUGHQJDQPHQJJXQDNDQSHQVLO% $SDELODDGDMDZDEDQ\DQJ$QGDDQJJDSVDODKPDNDKDSXVODKMDZDEDQ\DQJVDODKWHUVHEXWVDPSDLEHUVLK
NHPXGLDQKLWDPNDQEXODWDQSDGDKXUXIMDZDEDQODLQ\DQJ$QGDDQJJDSEHQDU &RQWRK
DVHEHOXPGLMDZDE $ %
F
'EVHVXGDKGLMDZDE $ %
F
'F VHVXGDKGLSHUEDLNL $ %
F
'3(781-8..+8686
+LWDPNDQODKVDODKVDWXEX,DWDQ SDGDKXUXI$ % &DWDX'\DQJ$QGDDQJJDSEHQDUSDGDOHPEDUMDZDEDQNRPSXWHU
+DVLOGDUL
[DGDODK$
&
% '
+DVLOGDULDGDODK
$
&
'DODP NRPSHWLVL EDKDVD OQJJULV \DQJ WHUGLUL GDUL VRDO SHVHUWD DNDQ PHQGDSDW VNRU XQWXN VHWLDS MDZDEDQ EHQDU VNRU XQWXN VHWLDSMDZDEDQ VDODK GDQ VNRU XQWXNVRDO \DQJ WLGDN GLMDZDE -LND %XGL PHQMDZDE VRDO GDQ\DQJ EHQDU VRDO PDND VNRU\DQJ GLSHUROHK%XGLDGDODK
$
&
%
'8QWXNPHQMDPXRUDQJGLSHUOXNDQ OLWHU EHUDV'HQJDQEHUDVVHEDQ\DN OLWHUEDQ\DN RUDQJ\DQJGDSDWGLMDPXDGDODK
$ RUDQJ
&
RUDQJ%
RUDQJ ' RUDQJ%
-B
'
%HQWXNVHGHUKDQDGDUL-LR[
-
-V
DGDODK $-
&
-V
% - ' -V
5LQL PHQDEXQJ SDGD %DQN VHEHVDU 5S 6HWHODK EXODQ XDQJQ\D PHQMDGL5S
%HVDUEXQJDSHUWDKXQDGDODK
$
&
% '
-DUDN NRWDSDGDSHWDFPVHGDQJNDQMDUDN VHEHQDUQ\DNHGXDNRWDWHUVHEXWNP6NDOD SHWDWHUVHEXWDGDODK
$ %
8MLFRED8MLDQ1DVLRQDO0DWHPDWLND3DNHW$7DKDS,
3HGDJDQJ PHQMXDO VHEXDK WHOHYLVL GHQJDQ KDUJD 5S-LND LD XQWXQJ GDUL KDUJD SHPEHOLDQ PDND KDUJD SHPEHOLDQ WHOHYLVL WHUVHEXWDGDODK
$ 5S
&
5S % 5S ' 5S
7LJDVXNXEHULNXWQ\DEDULVDQ DGDODK
$
&
% '
2 3ROD VXDWX EDULVDQ\DQJ GLVXVXQGDUL EDWDQJ EDWDQJNRUHNDSL
'
0?1?
ଛ
*UDGLHQ JDULV \DQJ WHJDN
OXUXV $%
SDGD JDPEDUGLEDZDKDGDODK7L
%??
??$ ?
%DQ\DNQ\D EDWDQJ NRUHNDSL SDGD SROD NH DGDODK
$
&
% '
$
%
F
'
6XDWXIXQJVLGLUXPXVNDQI[ D[E -LNDI^ GDQI PDNDQLODL IDGDODK
$ &
%
'
'
[
K
F
'LNHWDKXL$% FP$) FP%' FP/XDVEDQJXQWHUVHEXWDGDODK
$ FP
&
FP% FP ' FP
3HUVDPDDQJDULVKDGDODK
$ \ [
&
\ [ % \ [ ' \ [6HEXDK NDSDO GDUL SHODEXKDQ EHUOD\DU NH XWDUD VHMDXK NP NHPXGLDQ EHORNNH EDUDW VHMDXK NP -DUDNWHUGHNDW NDSDO VHNDUDQJ GDULSHODEXKDQDGDODK
$ NP
&
NP % NP ' NP 3HUKDWLNDQJDPEDU) (
3HQ\HOHVDLDQGDULST GDQST DGDODK[GDQ\1LODL[\
$
&
% '
%HVDU NHGXD VXGXW VHJLWLJD GDQ 'LWLQMDX GDUL SDQMDQJ VLVL GDQ VXGXWQ\DMHQLV VHJLWLJDWHUVHEXWDGDODK
$ 6HJLWLJDODQFLSVDPDNDNL % 6HJLWLJDVLNXVLNXVDPDNDNL
&
6HJLWLJDWXPSXOVDPDNDNL ' 6HJLWLJDWXPSXOVHPEDUDQJ 3HUKDWLNDQJDPEDU\
&
RUDQJ ' RUDQJ&
GDQ ' GDQ
3HUKDWLNDQJDPEDU
5HODVLGDULKLPSXQDQ$NHKLPSXQDQ%DGDODK $ NXUDQJGDUL % IDNWRUGDUL
&
GXDNDOLGDUL ' VHWHQJDKGDUL 'DUL VLVZD GL NHODV $ VLVZD JHPDUPDWHPDWLND VLVZD JHPDU RODKUDJD GDQ VLVZD WLGDN JHPDU PDWHPDWLND PDXSXQ RODKUDJD %DQ\DN VLVZD \DQJ KDQ\D JHPDU PDWHPDWLND DGDODK
$ RUDQJ % RUDQJ 'LNHWDKXL
3 ^[
,
[ [ELODQJDQJHQDS`4
^[,[
[ELODQJDQSULPD`3Q4
$ ^`
%
^`&
^ ` ' ^ଛଛ`+LPSXQDQSHQ\HOHVDLDQGDUL
[
V
[GHQJDQ[DQJJRWDELODQJDQEXODWDGDODK $ ^ `
&
^ ` % ^ ` ' ^ ` 'DULSHPIDNWRUDQEHULNXW2[2[ [ [
[ 2[ [ [ [ [ [[
[ [[ \DQJEHQDUDGDODK $ GDQ
% GDQ
8MLFRED8MLDQ1DVLRQDO0DWHPDWLND3DNHW$7DKDS,
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
& 5S ' 5S 7DPDQ EHUEHQWXN OLQJNDUDQGHQJDQ SDQMDQJ
GLDPHWHU P DNDQ GLSDVDQJ WLDQJ ODPSX GHQJDQMDUDNDQWDUWLDQJP-LNDELD\D WLDQJ ODPSX 5S PDND ELD\D VHOXUXKQ\D
XQWXN PHPDVDQJ WLDQJ ODPSX WHUVHEXW
DGDODK $ 5S % 5S
3HUKDWLNDQJDPEDU
' S
%HVDU/$%&SDGDJDPEDUGLEDZDKLQL DGDODK
$
$
3 DGDODKWLWLNSXVDWOLQJNDUDQ-LND OXDVMXULQJ 3%& FPOXDVMXULQJ3$'DGDODK
$ FP & FP
% FP ' FP
WHJDN OXUXV GHQJDQ NXEXV $%&'()*+
& ()'& '$'*)
)O
%LGDQJ GLDJRQDO \DQJ ELGDQJ %'+) SDGD DGDODK
$$&*( % $%*+
'DUL UDQJNDLDQ SHUVHJL EHULNXW \DQJ PHUXSDNDQMDULQJMDULQJNXEXVDGDODK
F
'
F
'
F
[
%
[
$ %
3DGD $%& EHVDU /$ GDQ /%
3DGD345/3 GDQ/4
-LND VHJLWLJD $%& GDQ 345 VHEDQJXQ PDND GDULSHUQ\DWDDQEHULNXW
$% $& %& $&
45 35 35 45
$& $% $% %&
35 34 45 35
<DQJEHQDUDGDODK
$
%
& P ' P
3HUKDWLNDQ JDPEDU \DQJ GLEHQWXN ROHK
NHUXFXWGDQEHODKDQEROD
7LDQJ VHWLQJJL PHWHU PHPSXQ\DL
ED\DQJDQO FP -LND SDQMDQJ ED\DQJDQ VHEXDK JHGXQJ PHWHU EHUDSDNDK WLQJJL JHGXQJWHUVHEXW"
$ P % P
$ GDQ
% GDQ & GDQ' GDQ
FP
9ROXPEDQJXQWHUVHEXWDGDODK
Q
& FP
' FP
& MDPPHQLW ' MDPPHQLW
$ FP
% FP
$ MDPPHQLW % MDPPHQLW
6HEXDKWHPSDWSHQDPSXQJDQDLUEHUEHQWXN WDEXQJGHQJDQWLQJJL P GDQGLDPHWHU FP7HPSDWSHQDPSXQJDQDLULWXDNDQGLLVLDLU GHQJDQ NHFHSDWDQ UDWDUDWD OLWHUSHU PHQLW 7HPSDW SHQDPSXQJDQ WHUVHEXW DNDQ SHQXK VHWHODK
3HUKDWLNDQJDPEDUWUDSHVLXPVDPDNDNL$%&' ' &
!)?
5
-LND /546
/536/576 PDNDEHVDU/526
/576$ &
% '
3HUKDWLNDQJDPEDUSXVDWOLQJNDUDQ
4
$
%
%DQ\DN SDVDQJDQ VHJLWLJD NRQJUXHQ SDGD JDPEDUWHUVHEXWDGDODK
$ SDVDQJ & SDVDQJ
% SDVDQJ ' SDVDQJ
8MLFRED8MLDQ1DVLRQDO0DWHPDWLND3DNHW$7DKDS,
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
3HUKDWLNDQ JDPEDU EHQGD \DQJ WHUGLUL GDUL NXEXVGDQOLPDV
FP
'LDJUDP GL EDZDK LQL PHQXQMXNNDQ GDWD WHQWDQJ NHJHPDUDQ VLVZD EHURODKUDJD GL VHNRODK%DQ\DNVLVZD\DQJJHPDUVHSDNEROD RUDQJEDQ\DNVLVZD\DQJJHPDUEHUVHSHGD DGDODK
$ RUDQJ % RUDQJ
&
RUDQJ ' RUDQJFP
/XDVSHUPXNDDQEHQGDWHUVHEXWDGDODK
$
FP&
FP% FP ' FP
/XDV EROD GHQJDQ SDQMDQJ GLDPHWHU FP DGDODK
$
FP% FP
%
'
B
&
FP'
FP'DODP SHUFREDDQ PHOHPSDU VHEXDK GDGX SHOXDQJ PXQFXO PDWD GDGX IDNWRU GDUL
DGDODK$
F
0HGLDQGDQPRGXVGDULGDWD
DGDODK
$ GDQ
&
GDQ% GDQ ' GDQ
1LODL UDWDUDWD NDOL XODQJDQ %XGL 6DODK VDWXQLODLEHOXPWHUFDWDWVHGDQJNDQQLODL\DQJ WHUFDWDWDGDODK GDQ 1LODL \DQJEHOXPWHUFDWDWDGDODK
$
&
%
8MLFRED8MLDQ1DVLRQDO0DWHPDWLND3DNHW$7DKDS,
'DODPVDWX NDWRQJWHUGDSDWNHOHUHQJVHEDJDL EHULNXW
ଛଛଛ
ଛ
ଛM
I
Uଛ
Fଛ / / F-B
KLMDX NXQLQJ
-LNDGLDPELOVHEXDK NHOHUHQJVHFDUDDFDNQLODL NHPXQJNLQDQWHUDPELONHOHUHQJELUXDGDODK
$
&
% '
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
8-,&2%$8-,$1 1$6,21$/
8&81
,
603
,
07V
3$.(7
%
7$+81 3(/$-$5$1
/(0%$562$/
0DWD3HODMDUDQ+DUL7DQJJDO :DNWX
0DWHPDWLND
6HODVD )HEUXDUL 3XNXO PHQLW
3(781-8.8080
7XOLVQRPRU$QGDSDGDOHPEDUMDZDEDQNRPSXWHU/-.
3HULNVDODKGDQEDFDODKVRDOVRDOGHQJDQWHOLWLVHEHOXPPHQMDZDE 'DKXOXNDQPHQMDZDEVRDOVRDO\DQJ$QGDDQJJDSPXGDK .HUMDNDQSDGD/-.\DQJGLVHGLDNDQ
+LWDPNDQODKEXODWDQSDGDKXUXIMDZDEDQ\DQJ$QGDDQJJDSEHQDUGHQJDQPHQJJXQDNDQSHQVLO% $SDELODDGDMDZDEDQ\DQJ$QGDDQJJDSVDODKPDNDKDSXVODKMDZDEDQ\DQJVDODKWHUVHEXWVDPSDLEHUVLK
NHPXGLDQKLWDPNDQEXODWDQSDGDKXUXIMDZDEDQODLQ\DQJ$QGDDQJJDSEHQDU &RQWRK
D VHEHOXPGLMDZDE $ %
F
'EVHVXGDKGLMDZDE $ %
F
'F VHVXGDKGLSHUEDLNL $ %
F
'3(781-8..+8686
+LWDPNDQODKVDODKVDWXEXODWDQSDGDKXUXI$%&DWDX'\DQJ$QGDDQJJDSEHQDUSDGDOHPEDUMDZDEDQNRPSXWHU
& '
5LQR PHQDEXQJ SDGD %DQN %1, VHEHVDU
5S 6HWHODK EXODQ XDQJQ\D
PHQMDGL5S%HVDUEXQJDSHUWDKXQ DGDODK
'XDVXNXEHULNXWGDULEDULVDQELODQJDQ DGDODK
$ &
% '
%HQWXN VHGHUKDQD GDUL -OV[
-
-V
DGDODK
$
-V
&-M
%
IL
'
IL
& ' $
%
3HGDJDQJ PHQMXDO VHEXDK UDGLR GHQJDQ KDUJD 5S-LND LD XQWXQJ GDUL KDUJD SHPEHOLDQ PDND KDUJD SHPEHOLDQ UDGLR WHUVHEXWDGDODK
$ 5S & 5S
% 5S ' 5S
6XKXGLGDODP NXONDVVHGDQJNDQVXKX GL UXDQJDQ & 3HUEHGDDQ VXKX GL NHGXD WHPSDWWHUVHEXWDGDODK
$ & & &
% & ' &
+DVLOGDUL
[
DGDODK$ &
% '
6HRUDQJ SHPERURQJ GDSDW PHQ\HOHVDLNDQ SHPEDQJXQDQ SRV NHDPDQDQ VHODPD KDUL GHQJDQ SHNHUMD RUDQJ $JDU SHNHUMDDQ LWX VHOHVDL KDULPDNDWDPEDKDQSHNHUMD\DQJ GLSHUOXNDQVHEDQ\DN
$ RUDQJ & RUDQJ
% RUDQJ ' RUDQJ
-DUDNNRWD$NHNRWD % NP-LNDMDUDNNHGXD NRWD SDGD SHWD FP PDND VNDOD SDGD SHWD DGDODK
$ %
+DVLOGDUL DGDODK
$ &
BO
%
'
8MLFRED8MLDQ1DVLRQDO0DWHPDWLND3DNHW%7DKDS,
P
ak
A
n
an
g
h
tt
p
:/
/p
ak
-a
n
an
g
.b
lo
g
sp
o
t.
3HUKDWLNDQJDPEDUSRODGLEDZDK
,
3HUKDWLNDQJDPEDU
5HODVLGDULKLPSXQDQ$NHKLPSXQDQ% DGDODK
'
F
'
[
K
S
ଛ
āāāāāāāāāāāāāāāā
āāāāāāāā
āāāāāāāāāāāāāāāāāā4
%
F
'
3HUKDWLNDQJDPEDU
)
3HUVDPDDQJDULVKDGDODK
$ \ [
&
\ [ % \ [ ' \ [F
'LNHWDKXL$% FP$) FP%' 2FP /XDVEDQJXQWHUVHEXWDGDODK
$ FP
&
FP% FP ' FP
6HEXDK NDSDO GDUL SHODEXKDQ EHUOD\DU NH VHODWDQVHMDXKNPNHPXGLDQEHORNNHWLPXU VHMDXK NP -DUDNWHUGHNDW NDSDO VHNDUDQJ GDULSHODEXKDQDGDODK
$ NP
&