[ekonomi-nasional] Fw: penelitian tentang risiko properti

[lukas sihombing]

Berikut terlampir survey tentang risiko properti (mahasiswa T. Sipil UI)

Mohon bantuannya untuk mengisi.

salam,

Lukas B. Sihombing

--- On Thu, 6/11/09, Deddy Supriady  wrote:

From: Deddy Supriady 
Subject: penelitian tentang risiko properti
To: "Lukas Sihombing" 
Date: Thursday, June 11, 2009, 8:22 PM

Saya sedang melakukan penelitian tentang risiko properti kondominium. 
Saya minta tolong untuk mengisikan kuesioner terlampir ini.
Caranya:  - download dan buka file pdf terlampir
                - isi file
 tersebut menggunakan acrobat reader
                - klik kotak 'submit by email'
                - pilih 'internet email'
   
             - save file dengan nama "nama_anda.xml"
                - kirimkan file xml tersebut via email ke alamat email ini
 kembali

Atas bantuan anda saya ucapkan terima kasih

Dapatkan nama yang Anda sukai!  

Sekarang Anda dapat memiliki email di @ymail.com dan @rocketmail.com.


  

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[ekonomi-nasional] CEO says gov't pressured bank to buy Merrill Lynch

[Harlizon MBAu]

Di dunia ekonomi bebas, mereka merasa bebas ngepress organ pemerintah untuk
make duit rakyat...

http://news.yahoo.com/s/ap/20090611/ap_on_go_co/us_bank_of_america_merrill_lynch


CEO says gov't pressured bank to buy Merrill Lynch

[image: 
AP]<http://us.rd.yahoo.com/dailynews/ap/brand/SIG=br2v03/*http:/www.ap.org>

   -


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By ANNE FLAHERTY, Associated Press Writer *Anne Flaherty, Associated Press
Writer* – 1 hr 33 mins ago

WASHINGTON – House lawmakers on Thursday accused the *federal
government**of orchestrating a "shotgun wedding" between Bank
of America Corp. and Merrill Lynch* that cost taxpayers *$20 billion*, as a
top bank executive said publicly for the first time that he was pressured
into going through with the deal.

Bank of America Chief Executive Officer Kenneth Lewis testified that the
federal government threatened to remove board members at his bank if it
reneged on a promise to acquire Merrill Lynch, despite Merrill Lynch's
crumbling financial state.

"What gave me concern is that they gave that threat to a bank in good
standing," Lewis told the House Oversight and Government Reform Committee.

The panel is investigating claims that then-Treasury Secretary Henry
Paulsonand Fed
Chairman Ben Bernanke pressured Lewis and urged him to keep quiet about
Merrill Lynch's financial problems. Not divulging that information would
have violated Lewis' fiduciary duty to the bank's shareholders.

Lewis said he did nothing wrong. In the end, the decision to go ahead with
the acquisition — with the promise of government support — was in everyone's
best interest, he testified.

"This course made sense for Bank of America and its shareholders, and made
sense for the stability of the markets," he said. "We viewed those two
interests as consistent."

Lawmakers on the committee said they remain troubled by internal e-mails and
other documents provided to them by the Fed after they issued a subpoena.

One e-mail, by an employee at the Richmond Federal Reserve, said Bernanke
had made it clear that if Bank of America backed out and needed financial
assistance, "management is gone."

Rep. Darrell Issa of California, the panel's top Republican, said the
documents also "show that the government sought to manage the public
disclosure of Merrill's mounting losses in order to control the situation."

Democratic Committee Chairman Edolphus Towns of New York said serious
questions remain as to the timing of events.

"Why did a private business deal — announced in September and approved by
shareholders in December — with no mention of government assistance, end up
costing taxpayers $20 billion in January?" Towns asked.

Bank of America has received $45 billion from the government's $700
billion Troubled
Asset Relief Program. As part of that money, the bank received $20 billion
in January after Lewis requested it to help offset mounting losses at
Merrill Lynch & Co.

Just a few weeks after the deal was completed, Bank of America's fourth-quarter
earnings report showed the hit taken by its balance sheet because of
the Merrill
Lynch transaction, which made Lewis the target of shareholder anger.

In January, Bank of America reported a $2.39 billion fourth-quarter loss,
and Merrill Lynch disclosed a loss of more than $15 billion.


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[ekonomi-nasional] Is capitalism fatally flawed?

[Harlizon MBAu]

http://news.yahoo.com/s/csm/20090610/cm_csm/ymcdonnoldweb


Is capitalism fatally flawed?

[image: The Christian Science
Monitor]
More from Christian Science Monitor:

   - A wake-up call for Georgia, Ukraine – and the
West
   - California's day of
reckoning
   - Five questions for
Sotomayor
   - As the Globe reels, papers must drop
elitism

More » 

By Paul McDonnold *Paul Mcdonnold* – Wed Jun 10, 5:00 am ET

Dallas – *Recessions, like hurricanes, leave wreckage behind – bankrupt
businesses, high unemployment, and sometimes even tattered philosophies.*

The philosophy of economic conservatism has long been one of unquestioned
deregulation. Conservatives have considered it as a way of unhooking
government leashes that the economy strains against, setting it free to run
at full speed and lead us to wealth.

But this philosophy seemed to collapse in the moral and financial wreckage
of today's recession. Like many conservatives, I was left facing
uncomfortable questions, chiefly: Is capitalism itself fatally flawed? I
decided to consult a few past thinkers.

In "The Communist Manifesto" (1848), Karl Marx and Friedrich Engels propose
that capitalism has inherent weaknesses. Marx said these would lead capitalist
economies to collapse and become government-run socialist economies, and
eventually utopian systems that he called communist. Today his words sound
eerily current, like answers on a Sunday morning political show:

Interviewer: "Mr. Marx, not that long ago, lovers of capitalism pronounced
your ideas dead. Now, according to at least one source, we are all
socialists. What changed?"

Marx: "It is enough to mention the commercial crises that by their
periodical return put on its trial, each time more threateningly, the
existence of the entire bourgeois society."

Interviewer: "Nowadays we call these 'crises' recessions. You predicted that
over time, *capitalism would become dominated by larger and larger firms*."

Marx: "[T]he concentration of capital and land in a few hands."

Interviewer: "And how does this concentration bring on socialism?"

Marx: "By paving the way for more extensive and *more destructive crises*,
and by diminishing the means whereby crises are prevented."

Interviewer: "So the bigger firms become, the harder they fall. In the US
economy, some firms have become 'too big too fail,' and the government has
moved in. As this plays out, what will happen to capitalism?"

Marx: "Its fall and the victory of the proletariat are equally inevitable."

Marx's disturbing words seemed even more prescient to me when I thought
about what has happened in the US banking industry.

As recently as 1980, the US was a nation of mostly small- and medium-sized
banks. Employees knew, often on a personal basis, both the depositors and
the borrowers. Deposits that were not loaned out had to be kept in low-risk
investments such as government bonds.

People who claimed the mantle of conservatism dismantled the regulations
behind this system. This shook the industry. Through mergers and
acquisitions, resources were centralized. The number of banks declined. Huge
conglomerates arose and created the complex world of global finance that
later collapsed. This is capitalism's dark side of impersonal corporations,
recessions, and class conflict.

Another famous thinker, Adam Smith, saw a different side of capitalism.
Seven decades before the "Manifesto," he wrote "The Wealth of Nations,"
about the capitalism of his day. It was one of small, decentralized firms –
butchers and bakers. The driving force was not blind greed but a healthy
interest in improving one's own lot by helping others. It was a capitalism
that looked a lot like the banking sector before deregulation.

Marx and Smith each saw a piece of the truth – two different sides of the
coin of capitalism. Capitalism itself is not fatally flawed. But a
hyperconservative approach to it is. Regulations that promote decentralized
competition on a human scale are regulations that conserve Smith's side of
capitalism. These regulations should not be the enemy of conservatives; they
should be our aim.

Many conservatives will want to stick to the *dogmatic ideological line* of
deregulation. But the *capitalism* produced by *blind support of
deregulation* is one of *bureaucratic corporations,* greed-fueled booms, and
fear-riddled busts. If conservatives do not embrace regulations that
preserve Smith's capitalism, we might just wake up one day *to see it
gone*and socialism in its place, just as Marx predicted.

Paul McDonnold is a freelance writer. He has taught economics courses at
several universities.


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[ekonomi-nasional] Americans' net worth shrinks $1.33 trillion in 1Q

[Harlizon MBAu]

 http://news.yahoo.com/s/ap/20090611/ap_on_bi_go_ec_fi/us_net_worth Americans'
net worth shrinks $1.33 trillion in 1Q

[image: 
AP]<http://us.rd.yahoo.com/dailynews/ap/brand/SIG=br2v03/*http:/www.ap.org>

[image: Specialist Daniel O'Donnell, left, cups his ears to hear a trader on
the 
floor]<http://news.yahoo.com/nphotos/New-York-Stock-Exchange/photo/090610/480/2c50ea89b2fc43559cebc48518a9defd/s:/ap/20090611/ap_on_bi_go_ec_fi/us_net_worth>



AP – Specialist Daniel O'Donnell, left, cups his ears to hear a trader on
the floor of the New York Stock …

By JEANNINE AVERSA, AP Economics Writer *Jeannine Aversa, Ap Economics
Writer* – 20 mins ago

WASHINGTON – American households lost $1.33 trillion of their wealth in the
first three months of the year as the recession took a bite out of stock
portfolios and dragged down home prices.

The Federal Reserve reported Thursday that household net worth fell to
$50.38 trillion in the January-March quarter, the lowest level since the
third quarter of 2004. The first-quarter figure marked a decline of 2.6
percent, or $1.33 trillion, from the final quarter of 2008.

Net worth represents total assets such as homes and checking accounts, minus
liabilities like mortgages and credit card debt.

The *damage to wealth* in the first quarter came from the sinking *stock
market*. The value of Americans' stock holdings dropped 5.8 percent from the
final quarter of last year.

Another hit came from *falling house prices*. The value of household
real-estate holdings fell 2.4 percent. Collectively, homeowners had 41.4
percent equity in their homes in the first quarter. That was down from 42.9
percent in the fourth quarter.

The latest snapshot of Americans' balance sheets was contained in the
Fed's quarterly
report called the flow of funds.

Despite the drop, the speed at which net worth shrunk slowed to start the
year. During the *recession's deepest point* in the October-December period,
Americans' net worth fell 8.6 percent, according to revised figures.

With *wealth declining and unemployment rising*, there are questions about
how consumers — the lifeblood of the economy — will behave in the coming
months.

If they continue to spend, even at a subdued pace, the recession likely will
end this year as predicted by Fed Chairman Ben Bernanke and other
economists. However, if consumers hunker down and cut spending again, that
could delay any recovery. In the final quarter of last year, Americans
slashed spending at an annualized rate of 4.3 percent, the most in 28 years.

Still, there was some encouraging news on consumer spending Thursday.

Retail sales rose 0.5 percent in May, following two straight monthly
declines, the Commerce Department reported. Meanwhile, the number of newly
laid-off workers filing for unemployment benefits fell last week by 24,000
to 601,000, the lowest level since late January.


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[ekonomi-nasional] Kisah Ajaib Nan Miris Ibu Prita

[mundo]

*Buletin Elektronik**www.Prakarsa-Rakyat.org*

*SADAR *

*Simpul Untuk Keadilan dan Demokrasi*
* Edisi: 212 Tahun V - 2009
Sumber: www.prakarsa-rakyat.org*



*KISAH AJAIB NAN MIRIS IBU PRITA*



*Oleh Joko Sumantri **


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