Anugerah Tuhan 2

Langit Tersenyum

Menatap langit sama halnya aku menatap dia dari jauh

menatap dia hanya hal yang bisa ku lakukan saat ini

hanya bisa menggoda dalam ucapan belaka terpaut dalam canda,,

aku punya mimpi, bahwa dia juga memandangiku dari kejauhan namun mungkin karena dia tak mempunyai keberanian untuk mengatakannya juga maka kami pun terhalang takdir 

mungkin ini hanya hayalan pengharapanku 

namun melihatnya membuat aku terpanah, tak ada kata-kata yang dapat terucap bila di dekatnya 

aku hanya bisa memandangi 

pandanganku pun tersipu, aku tak bisa memandangi dia terlalu lama 

hal itu membuat aku lemah,,

aku harap detik-detik terakhirku ini bisa melihat dia tersenyum

senyumannya yang mampu membuatku juga tersenyum.....

Anugerah Tuhan

Sahabat Terindah

Mungkin aku bisa disebut gila..

gila, gila, karena dia..

apakah cuma aku wanita yang paling bodoh yang menyukai, mencintai, 
menyayangi pemikiran dia

aku menyukainya karena pemikirannya yg membuat aku bisa berfikir tenang

aku banyak belajar darinya,, 

aku yang belajar bagaimana menghadapi masalah dengan kepala dingin

aku belajar menahan amarah ketika masalah datang

dia juga mengajarkan aku bagaimana cara mengatasi kesedihan 

aku yang jatuh cinta karena pemikirannya

pemikirannya yang membangun hidupku dengan penuh warna

dia sahabat terbaikku

alangkah indahnya hidupku karena kehadirannya

aku berharap dia akan selalu menuntunku dalam hidup, menjagaku, 
membimbingku dikala aku terjatuh

Tuhan terima kasih engkau telah memberikanku sahabat terindah dalam hidupku.

Android Operating System

Android is a mobile operating system based on Linux. Android has the advantage that is open (open source). Users do not need to pay to use it and free to develop or add new applications therein.
Initially, Google Inc.. bought Android Inc.., newcomers who make software (software) specifically for mobile phones. After joining, formed Handset Alliance. Handset Alliance is a merger of 34 companies for hardware (hardware), software, and telecommunications, including HTC, Intel, Motorola, T-Mobile, and Nvidia. With the formation of Handset Alliance, then there are 2 types of distributors operating system Android.

The first distributor backed by Google Mail Services (GMS) and the second independent distributors without direct support from Google, known as the Open Handset Distribution (OHD).
As a mobile phone-based operating system, Android has some supporters of the system features, such as:
1. Application Framework to support the replacement of components and reusable
2. Dalvik virtual machine optimized for mobile devices
3. Integrated browser based on the open source WebKit engine
4. Graphics are optimized and supported by a 2D graphics library, 3D graphics based on the OpenGL specification 26
5. SQLite for data storage
6. Media that supports audio, video, and image (MPEG4, H.264, MP3, AAC, AMR, JPG, PNG, GIF)
7. Bluetooth, EDGE, 3G, WiFi dn
8. Camera, GPS, compass, and accelerometer
9. Development environment includes a complete and rich device emulator, tools for debugging, as well as a plugin for the Eclipse IDE.

Android Operating System Version
Android Operating system comes with various versions are constantly being developed. Android version ever released are:
1. Android version 1.1
2. Android version 1.5 (cupcake)
3. Android version 1.6 (Donut)
4. Android version 2.0/2.1 (Eclair)
5. Android version 2.2 (Froyo: Frozen Yoghurt)
6. Android version 2.3 (Gingerbread)
7. Android version 3.0 (Honeycomb)
8. Android version 4.0 (Ice Cream Sandwich)

Ice Cream Sandwich is the latest Android version released by Google on October 19, 2011. This version is combined and the combination of Android version 2.3 (Gingerbread) which is only suitable for smartphones and 3.0 (Honeycomb) which is only suitable for tablets. Because it is formed from the merger and the combination of two previous versions, this version has a greater ability to increase. One example, this version adds new features including facial recognition unlock with.


reference :

The Beautiful Tanjung Aan

Tanjung Aan beach is still in the Kuta Beach coastline (now Mandalika) in Central Lombok. Rows of beautiful beaches with white sand granules are uniquely shaped like pepper and surrounded by towering hills with this beauty is the main attraction Mandalika Resort Area Tourism. Yes a long coastline of Tanjung Aan is quite long, about 1 km to the atmosphere quiet and very natural make anyone interested to visit it.

Tanjung Aan is located in the southern part of Central Lombok with a distance of about 90 minutes drive from Mataram with good road conditions. The route Mataram - By Pass BIL - Kuta - roundabout Mandalika Resort (Novotel) turn left - the T-junction turn right after the ramp - Tanjung Aan. Neighbors Mandalika Beach and Seger.

If you want the atmosphere of a deserted beach, white sand, crystal clear sea water, calm waves, coral reefs and exotic full sun for sunbathing, Tanjung Aan is the right choice. On the beach we could feel the sensation of walking with white sand therapy for the peppercorns. Activities of swimming, sunbathing, traveling with a boat or just admire the panoramic beauty of God's creation of the hill can be done at this beach. Facility is still only minimal vehicle parking area, a small mosque, bath rinse and clean water wells. Fresh grilled fish merchant, draper and unique souvenirs Lombok will 'accompany' we traveled on the beach for this.
Tanjung Aan thing that makes a bit more special than the other beaches are white sand uniqueness of the pepper seeds! If observed carefully there is a difference in the size of pepper grains of sand between the beach of Tanjung Aan in the west to the east. In the west, white sand grain size is smaller so that the shape is more subtle than in the east. Gradation process of rocks by sea water so that it becomes smaller pieces, then into droplets and washed away by the sea to the shore every year causing the volume of sand in Tanjung Aan grow so centimeters.
Tanjung Aan's lips when used as a filming location nationwide prayer mat called the Kaaba, played by H. Rhoma Irama, Ridho Rhoma, Ida Iasha and Ruhut Sitompul. The beauty of this beach is clearly illustrated in the film. Another feature of Tanjung Aan are the Rock Umbrella east of the ridge. Really special!


reference :
http://www.infolombok.net/wisata-lombok-2/keistimewaan-tanjung-aan/

How to Make Kimchi

Kimchi is typical of Korean pickled cabbage that uses as its main raw material. making kimchi is one way to preserve vegetables that can still consume vegetable chicory great when the snow fell and no plants were growing at the time.

Kimchi has a very distinctive smell and sharp. It was caused by a perfect fermentation process and the use of garlic and chili seasoning dominant. The following will explain how to make kimchi in Indonesia so although we can also keep trying to make kimchi are included in one of the healthiest foods in the world, let alone all the raw materials are also available here.

 

KIMCHI

ingredients:

• 1 piece of white mustard, wash (or can also use white radish)

• 2 tbsp salt

• 1/2 tbsp grated garlic

• 1 tablespoon minced chili

• 1/2 tsp sugar

• 1 teaspoon chili powder

• 1 tablespoon lemon juice

• 1 tablespoon salt

• 1/2 tsp ginger, grated

• 1/2 tsp fish sauce

How to make kimchi:

1. Open bud leaf mustard, then sprinkle salt on each blossom

2. Let stand for 6 hours. New then washed

3. After that, cut into 4 cm long pieces mustard

4. Mix mustard with garlic, minced chili, chili powder, lemon juice, grated ginger, fish sauce, and salt

5. Let sit overnight and kimchi ready to be enjoyed

reference :

http://carapedia.com/kimchi_info450.html

Historical Symbol of Indonesia

Indonesian national symbol Garuda Pancasila is the motto of Unity in Diversity. Indonesian national symbol Garuda bird shaped head turned to the right (from the perspective of Garuda), shield shaped like a heart that hangs with chain on neck Garuda, and the motto of Unity in Diversity, which means "Different but still one" written on tape which is gripped by the Garuda. This emblem was designed by Sultan Hamid II of Pontianak, which is then refined by President Soekarno, and inaugurated its use as a symbol of the state first in the United States of Indonesia KabinetRepublik Assembly on February 11, 1950.

Garuda Pancasila state symbol regulated its use in that Regulation. 43/1958.

Garuda, the vehicle (vehicle) Vishnu appeared in various ancient temples in Indonesia, such as Prambanan, Mendut, Sojiwan, Upgrading, Hemisphere, Sukuh and Cetho in relief or statue. In Prambanan there is a temple in front of the temple is dedicated to Vishnu, Garuda, but not found the statue of Garuda in it. In Prambanan Shiva temple there is a relief depicting episodeRamayana nephew who is also the nation's god Garuda bird, Jatayu, tried to rescue Sita from the clutches of Ravana. Posthumous statue Airlangga depicted as Vishnu riding Garuda middle of the temple is the statue of Garuda Hemisphere may be the most famous Javanese, this statue is now housed in the Museum Trowulan.

Garuda appears in many stories, especially in Java and Bali. In many stories Garuda symbolizes virtue, knowledge, strength, courage, loyalty, and discipline. As the vehicle Vishnu, Garuda also has properties as a custodian and guardian Vishnu order of the universe. In the tradition of Bali, Garuda glorified as "Lord of all creatures that can fly" and "the great king of the birds". In Bali he is usually portrayed as a creature having the head, beak, wings, and cakarelang, but has the body and the human arm. Usually portrayed in a subtle and intricate carvings with bright golden color, as depicted in the position of a vehicle Vishnu, or the scene of the battle against the dragon. Noble position of Garuda in Indonesian tradition since ancient times have made Garuda as the national symbol of Indonesia, as the embodiment of the ideology of Pancasila. Garuda also chosen as the name of the Indonesian national airline Garuda Indonesia. Besides Indonesia, Thailand also uses the Garuda as the symbol of the state.

After the Indonesian Independence War of 1945-1949, followed by the Dutch recognition of Indonesian sovereignty over the Round Table Conference in 1949, felt the need for Indonesia (Republic of Indonesia at the time) had a state symbol. Dated January 10, 1950 Technical Committee was formed with the name of the State Committee under coordinator Badges Minister Zonder Porto Folio Sultan Hamid II to the arrangement of the technical committee as chairman Muhammad Yamin, Ki Hajar Devantoro, MA Pellaupessy, Mohammad Natsir, and RM Ng Poerbatjaraka as members. The committee in charge of selecting the proposed design for the chosen symbol of the state and submitted to the government

Referring to the book description of Bung Hatta "Bung Hatta Answering" The decision to implement the Cabinet Meeting Minister Priyono implement contest. Elected best two draft national symbol, the work of Sultan Hamid II and the work of M Yamin. In the next process which received the government and the House of Representatives is the design of Sultan Hamid II. The work of M. Yamin was rejected because it includes solar rays, which reveal the influence of Japan.

Once the design was chosen, an intensive dialogue between the designer (Sultan Hamid II), RIS President Sukarno and Prime Minister Mohammad Hatta, improvements continue to be made for the purposes of the draft. The three of them agreed to change the grip tape Garuda, which originally was a red and white ribbon with a white ribbon adds the motto "Unity in Diversity". Date February 8, 1950, the design of the coat of arms was made Minister of State for RIS, Sultan Hamid II submitted to the President. The design of the coat of arms of the party have input Masyumiuntuk be reconsidered, because of objections to the image of Garuda birds with human arms and shoulders holding a shield and is considered too mythological. 

Sultan Hamid II

Sultan Hamid II re-submit the draft state symbol image which has been enhanced by the growing aspirations, so as to create a form-eagle Garuda Pancasila. Abbreviated Garuda Pancasila. President Soekarno then submit the draft to the Cabinet RIS via Moh Hatta as prime minister. AG Pringgodigdo in his book "About Pancasila" published by Ministry of Defense, Armed Forces History Center said the design work of the state emblem of Sultan Hamid II was finally unveiled their use in the RIS Cabinet meeting on February 11, 1950. When the image of Garuda Pancasila eagle head shape is still " bare "and not crested like its current form. President Soekarno then introduced for the first time the state symbol to the public at the Hotel Des Indes Jakarta on February 15, 1950.

Sukarno continued to improve the shape of Garuda Pancasila. On the date March 20, 1950 Sukarno ordered the court painter, Dullah, paint back the draft, after previously repaired include the addition of "crest" on the head of Garuda Pancasila, as well as changing the position of the gripping claw foot behind the tape of the original tape to be in front of the tape, the input of President Soekarno. Sukarno believed that the reason for adding crested hairless head Garuda was considered too similar to the Bald Eagle, symbol of the United States. For the last time, Sultan Hamid II completed the final form of image completion state emblem, is to increase the size scale and full color state symbol pictures . The design of Garuda Pancasila last big sculpture made of gilded bronze material stored in the Space Independence National Monument as a reference, defined as the state emblem of the Republic of Indonesia, and the design has not changed until now.


reference :
http://id.wikipedia.org/wiki/Lambang_Indonesia

Synopsis "Memoirs of a Geisha"

In 1929, the story of a nine year old boy named Chiyo, lives in a small fishing village in the town Yoroido, Japan. He lived with an older sister named Satsu and her parents.

Conditions of their families are very poor, elderly father to make a living while his mother was seriously ill. Can not stand the burden ultimately Chiyo and Satsu are sold by her father through the host to the Nitta Okiya Tanaka, one of the homeowners in the geisha district of Gion. Chiyo is taken to live in Okiya because it is considered sufficient to meet the criteria for students to be a geisha, while the hapless Satsu he sold kesebuah brothels. Finally separate the sisters.

Nitta Okiya addition there are several other occupants of the aunt who took care of the household, Pumpkin, a little girl the same age Chiyo together in training to become a geisha, and the inhabitants of the beautiful Hatsumomo again, the only geisha in the okiya that many produce yen for Nitta Okiya. Hatsumomo is one of the most beautiful geisha in the Gion district.

Okiya Chiyo in attendance, apparently did not make Hatsumomo happy, he saw great potential in yourself frighten Chiyo is unrivaled. Chiyo has a grayish-blue eyes that make her unusual compared to other Japanese girls, and of course Chiyo also has a beautiful face so that if trained from childhood, Chiyo could grow into a famous geisha and much in demand, it is feared by him. For this reason, Chiyo mistreatment. In many ways Hatsumomo trying to Chiyo no training to become a geisha.

One time, in a drunken condition Hatsumomo brought an expensive kimono that was stolen from Mameha, a rival as a geisha. Mameha is the most successful geisha in the Gion district. Hatsumomo's kimono forcing Chiyo to ruin Mameha and Chiyo certainly should restore the damaged kimomo to Mameha. Chiyo had to be willing to tell Hatsumomo hopes brothel where Satsu stay.

Hatsumomo tell where Satsu fulfill his promise, finally Chiyo secretly to meet her sister, Satsu and they plan to escape. When Chiyo back to Okiya, he mempergoki Hatsumomo is dating her boyfriend, fear caught Hatsumomo, Chiyo scheming to take the money sent to her room, and Hatsumomopun ran from the room and the stairs screaming that Chiyo had stolen her jewelry and will take him escape from Okiya, and Chiyo must bear the blows of anger and Hatsumomo and Okiya usual they called "mother". Chiyo tried to defend himself by telling what she saw on the mother, it appears, taken by Nitta Okiya Chiyo. He knew that Hatsumomo bodies lying directly checking Hatsumomo, and it is true that Hatsumomo new date with a guy.

Nita Okiya finally thought, to educate Chiyo in earnest to become a geisha, and he too close access that allows Chiyo can not run away from Okiya.

According to the agreement with Satsu, Chiyo bermasuk blur together, but he is troubled because all the exits are locked one that would allow access to the exit through the roof. But luck has not been on his side, Chiyo falls off the roof and make a broken hand. Because of his behavior, the Chiyo threatened serve for life and a variety of training to become a geisha discontinued.

Chiyo got word from Mr. Tanaka via letter, that Satsu had escaped from brothels, and go some where with her boyfriend of Yoroido, and reportedly did not sound at all, while the poorer kabr that both their parents had died. The news has hit Chiyo feeling. She felt her life had no meaning anymore.

When Chiyo is crying fate disebuah bridge, he was approached by a man named Ken Iwamura, who bought candy, then give him the money wrapped in a handkerchief. Chiyo is very happy, suddenly growing desire to become a geisha in hopes someday he can see again the man who bought her candy.

Several years later, Chiyo Mameha attention - the most successful geisha in the Gion district and geisha who gets the highest bid to take her virginity. Mameha is the enemy bebuyut Hatsumomo. That is one reason Mameha educate Chiyo to become a geisha. Mameha explains why a geisha Hatsumomo less successful when she was very beautiful and talented. The success of a geisha not only the capital of the beautiful and talented, but managed to get someone who wants to be a living donor for a geisha is very expensive, considering the geisha-paced lifestyle of expensive and luxurious. Mameha and admits he is so successful geisha materially because he is backed by funding from the strong financially and politically.

Finally Mameha lifted Chiyo as she guided his successor would be a successful geisha, Hatsumomo while lifting Pumpkins as his successor. Hatsumomo forbid to speak with Chiyo pumpkins because pumpkins regarded as competitors. Pumpkins Chiyo friendly relations and finally disconnected.

Over time, Mameha form Chiyo into a beautiful geisha, personality, good at singing, dancing and playing music. And Chiyo-also got a new name is Sayuri. Geisha Sayuri drew the attention of a lot of people and well-known in Gion, she met many guests who come from upper-class good politicians, big business and most importantly, Sayuri can meet with Ken Iwamura, who was a leader of a large company. In popularity as the culmination of a geisha, geisha Sayuri became the highest bidder gets to take virginity. People who managed to give the highest offer is a doctor named Dr. Crab. The money earned enough to pay off the debt at the Nitta Okiya Chiyo, which in turn could be released from the grip of Chiyo Nitta Okiya.

The success of a geisha Sayuri became very famous, influential in the decision to adopt the Nitta Okiya Pumpkins, and eventually he canceled adopts Sayuri Pumpkins and choose as heir to rename Okiya Chiyo into Sayuri Nitta. The reason for choosing Sayuri Sayuri would be a gold mine and become heirs in the future. The decision made by the competition between Sayuri and the tapered Pumpkins.

Several years passed, Sayuri is becoming more popular and become a geisha who has a lot of customers that would come from the big businessmen and high officials were able to give a great reward for his services. Populeritas Hatsumomo while getting dimmer and one reason Sayuri and Hatsumomo Mameha cut steps that are not popular anymore, as a result Hatsumomo was expelled from Okiya than is not making a profit for the Nitta Okiya, also involved perkelahihan with Sayuri burn the most Okiya. The latest news is told, Hatsumomo to be a prostitute in the Miyagawa-Cho and eventually died as most drunk.

Back ketujuan beginning to become a geisha Sayuri is to get in touch with Ken Iwamura or people called chairman or leader of a large company. Back raging desire to get close to the president, his love for a long time he buried the stronger, and Sayuri see the possibilities that can bring them, because often he was invited to accompany the chairman and his friend Nobu in various entertainment events. Ketualah the hopes that interested him turned out, was the one that attracted Nobu to Sayuri, she was able to become advocates for funding to meet the needs of Sayuri, Sayuri and accept it because none of the men in Gion which could permanently become financial backers for him , basically sayuri disappointed because he hoped the chairman who will become financial backers for his life.

Second world war broke out, all the people of Japan-sex male compulsory military service and are not required to follow the war to work in factories to meet the needs of Japanese soldiers who are fighting. Geisha in Gion-complex was closed, the women were sent to the factories to work, Fate Mameha and Sayuri better, they can help from the chairman and sent to a textile factory where conditions are not too heavy to be carried by Sayuri and Mameha. Over at the textile factory Sayuri toil in the hot sun that would damage the skin and body care Due to malnutrition. But Sayuri aware of the situation and he had to be patient and live in the small village for survival.

Perangpun finally over, with the defeat of Japan after Auto bombs dropped on Hiroshima and Nagasaki. Japan began to calm conditions, even in very poor condition. Gion district reopened, and Nobu was the data back to meet Sayuri, and asked for his help and the chairman to entertain his business relationship because of Nobu and the chairman are starting their businesses that were destroyed in the war. And Nobu also expressed his feelings and his ability to be a financial backer Sayuri. Sayuri mixed feelings between happy and disappointed, because he hoped the ketualah which will give the offer. Latent love for the chairman of the heavier he feels. Because Sayuri was not able to resist the offer of Nobu then he decided to make Nobu upset by sleeping with another man, and finally he could escape from Nobu. Sayuri finally back to Gion and meet Mameha - who had no financial backers and Pumpkins again-who is now a prostitute and it turns out they also present as an entertainer in the business banquet event. Sayuri made the decision to sleep with one of the ministers who attended the diperjamuan, and ask Pumpkins Nobu to take the place of him and the minister, with the hope of releasing anger and Nobu. It turns reality changed, Pumpkins invite the chairman and Nobu to watch Sayuri having sex with the minister. The situation is certainly merit to make Sayuri embarrassed and shocked. Sayuri finally know the reason for making her life ruined Pumpkins, Pumpkins in retaliation because he was the one that should be adopted as a child instead of Sayuri Nitta Okiya.

After the embarrassing incident passed, Sayuri felt empty, but he was still conscious life must go on and he too was free from Nobu. One day there was an offer to guests menghidur disebuah "Tea Hause", he himself did not know who the person who requested his services. Go Sayuri place of the banquet, it turns out there is no chairman "Iwamura Ken". Compassion, fear, shame and desire that he finally broke buried also, apparently unrequited feelings, and Sayuri know another pact that actually the chairman who asked Mameha to make geisha Sayuri as famous and protect it. And of course the chairman sayuri loves. The chairman offered to be the financial backer for Sayuri, and the ketuapun pay dearly for Sayuri Nitta Okiya to free and belong to him and not be a geisha again.

Sayuri eventually became mistress of the chairman, the chairman accompany Sayuri in a Villa which purchased the master, and comfort him from year to year, but not bored because Sayuri think that's his destiny to be with the president, first and last love man.

Sayuri a few years later moved to New York and opened his own Tea House. And Sayuri spend the rest of his life there.

reference :

http://evafatimah.wordpress.com/2008/07/30/sinopsis-memoirs-of-a-geisha/

TASK GROUP OF ENTREPRENEURSHIP "FINANCING"

CHAPTER I
INTRODUCTION

1.1 Background
Establishment of a business or business is definitely going to require a capital to finance the business, whether it is for small-scale businesses, medium and large scale enterprises. But not all prospective entrepreneurs have sufficient capital to establish his business. This has always been a problem for the novice entrepreneur.
In determining capital financing, entrepreneurs should determine the amount of funding and time needed, as well as projected sales and growth of the company. Small medium enterprises are usually difficult to venture capital is different from large companies that have the potential to evolve.
Financing or funding the beginning of a typical business are patterned according to personal financial planning. A prospective entrepreneur would first use personal savings and then try to gain access to savings family and friends. If these sources are insufficient, entrepreneurs will seek more funding official channels, such as banks and investors from outside parties. And the funding sources exist in the form of equity financing and debt financing.
Most sources of equity funding is personal savings, friends and relatives, small investors in the communities, large corporations, speculators, and the sale of shares of common stock in the market (go public). While the sources of debt financing are individual investors, dealers, asset based lenders, commercial banks, government-supported programs, and public financial institutions.
Based on the above, we try to discuss and analyze the things what are the problems in the financing of new ventures and what solutions can be used as problem solvers.
CHAPTER II
THEORY

2.1 FINANCING
2.1.1 Definition of Financing
Kasmir (2008:96), "Financing is the provision of cash or equivalent, based on an agreement between the bank and other parties who require parties to repay the money or the bill after a certain period of time in exchange or for the results".
Financing by Muhammad (2006:304), "the broadest sense means financing or expenditure, incurred the funding to support investments that have been planned, executed either by themselves or by others. In a narrow sense, the financing used to define funding by financial institutions, such as the Islamic Bank to its customers. In this sense the condition of the financing to be narrow and passive ".
According to Antonio (2001:90) "Financing is one of the bank's main task is the provision of funding facilities to meet the needs of those who are deficit units".
In a narrow sense "is used to define financing Financing by financing institutions such as the Islamic bank to the customer."
Broadly financing "means financing financing or funding the expenditures incurred to support the planned investment, either self-inflicted or done by others."

2.2 Purpose and Function of Financing
2.2.1 Objectives Financing
According to Antonio (2001:97), the purpose of financing is to increase the employment opportunities and economic prosperity. The financing should be enjoyed by as many employers are engaged in industry, agriculture, and commerce to support employment opportunities and support the production and distribution of goods and services in order to meet domestic needs and for export.
2.2.2 Functions funding
Finance function by Rival (2008:89) are as follows:
1. For profit and enliven the banking business in Indonesia.
2. Help low-income people who always played by the lender by assisting with funding for the work done.

2.3 Elements - elements of Financing
The element - the element contained in the financing arrives in Kashmir (2008:98) are as follows:
1. Confidence
Trust is a belief that the financing provided correct - really welcome back in the future following the term that has been given deal.
2. Period
Any financing provided for a certain period, the period covering the financial returns that have been agreed upon. A period of installment repayment deadline that has been agreed by both parties. For certain conditions this time period can be extended as needed.
3. Risk
Due to the grace period, then the financing will allow a return of the risk of uncollectible or bad administration of a financing. The longer the term of the financing, the greater the risk, and vice versa.
4. Fringe benefits
In conventional bank remuneration known as interest. Besides remuneration in the form of bank interest also charge an administration fee to the customer who is also the bank's profit.

2.4 Type - Type of Financing
The types of financing according to Antonio (2001:160) are as follows:
1. Based on the purpose of use is
a. Working Capital Financing
Financing working capital financing is intended to provide venture capital such as, among others, the purchase of raw materials or goods to be traded.
b. Financing Investment
Investment financing is funding for capital purchases of production equipment and facilities or the purchase of capital goods in the form of fixed assets / inventory by.
c. Consumer Financing
Consumer financing is intended to finance the purchase of an item that is used for the benefit of an individual (personal).
2. Based Payment / Installment For Results
a. Installment Financing With Periodic Principal and Profit Sharing
b. Financing With Revenue Cost of Periodic and Final Installment
c. Installment Financing With Main and End Results For
3. By Period of administration
a. Short-Term Financing with generally under 1 year.
b. Medium Term Financing with generally equal to 1 year.
c. Long Term Financing, generally over 1 year to 3 years.
d. Financing with a term of over three years in certain cases such as for housing investment financing, or rescue financing
4. Financed by Business Sector
a. Trade sector financing (eg, market, grocery store, grocery shop, etc..)
b. Industry Sector Financing (example: home industry, garment, shoes).

2.5 Principles - Principle of Giving Financing
According Simorangkir (2004:87), in assessing the application for funding should pay attention to several key principles relating to the overall condition of the prospective customer.
1. Character
Ie an assessment of the character or personality of the candidate receiving the funding in order to estimate the likelihood that the recipient of financing to meet its obligations.
2. Capacity
That is a subjective assessment of the recipient's ability to make payments financing. The ability measured by the track record of past funding recipients supported by field observations on its facilities such as shops, employees, equipment, and methods of plant activities.
3. Capital
Ie an assessment of the ability of capital owned by funding recipients as measured by the position of the company as a whole is indicated by the ratio of the emphasis on the financial and capital composition.
4. Collateral
Assurance that owned the candidate receiving financing. This assessment aims to ensure that if a default risk reached happen, then the collateral can be used in lieu of the obligation.
5. Condition
Looking at the economic conditions that occurred in the community specifically to see the relation with the type of work done by the candidate receiving the financing. This is because external conditions play a major role in the running of business funding recipients.

2.6 Financing Institutions
According to article 1, paragraph 2 of Presidential Decree No. 61 of 1988 is a Financing Institution is an entity that performs financial activities in the form of provision of funds or capital goods by not withdraw funds directly from the public. Financing Agency is an entity specifically established to undertake activities in the areas of business including finance institutions. Examples of Financial Institution:
1. Company Lease (Leasing Company)
2. Venture Capital firms (Venture Capital Company)
3. Securities Trading Companies (Securities Company)
4. Factoring companies (Factoring Company)
5. Company Credit Card (Credit Card Company)
6. Consumer Finance Companies (Consumers Finance Company)

2.7 Analysis of Financing
Muhammad (2006:304) states analysis in order to obtain the financing necessary financing provided confidence that can be returned by customers.
1. Type - Type Aspects Analyzed
a) Analysis of policies willingness called qualitative analysis. Aspects analyzed include character / character and commitment from the customer.
b) Analysis of the ability to pay for so-called quantitative analysis. The approach taken in the quantitative calculation, which is to determine the ability to pay and calculation of working capital requirements with the customer is the net income approach.
2. Granting Criteria Financing
I. Never give more consideration to the financing when:
o Compassion
o Contacts (siblings or friends)
o Customer respectable people (famous, respected, high social status, etc..)
II. Prioritize based on the following elements:
o Feasibility of business
o Ability to pay
Aspects assessed before performing cost analysis is
o Ability to benefit
o The rest of the financing with other parties (if any)
o Non-routine outside business activities

CHAPTER III
DISCUSSION

3.1 Financing Problems
Problems encountered related to the usual difficulties faced by entrepreneurs are:
1. Lack of Capital Procurement For Tenant Leasing.
This activity is carried out in the forms of capital procurement for Tenant Leasing, either with or without an option to purchase the item. Procurement of capital goods can also be done by purchasing goods and Leasing Tenants are then hired to try again. Throughout the Lease agreement is still valid, ownership of capital goods Lease transaction object, located in the Business Finance Companies.
2. The Doubtful Receivables Factoring.
This activity is done in the form of short-term trade receivables purchase of a company following the administration of the receivables. Purchase of short-term trade receivables following the processing can be done in the form of accounts receivable factoring without warranty of Seller and the Receivables Factoring Receivables with a guarantee from the seller. The definition of short-term receivables are receivables are due for ever 1 (one) year. Factoring without warranty of Seller Factoring Receivables is an activity in which the finance companies to bear the entire risk of uncollectible receivables.
3. Company failures in meeting their obligations.
Essentially means that a debtor does not pay its debts. Occurs when the debtor's failure to pay was not able to make payment in accordance with the agreed payment schedule both the interest and principal on the debt. Default terms known and used in the financial world to describe a situation where a debtor can not meet their obligations under the agreement he made such debts do not make the payment or repayment of debt principal installments in accordance with the agreement, including violation of the credit requirements as set forth in the counter . This condition can occur on all debt obligations including bonds, mortgages, bank loans, promissory notes paid, Medium Term Note, and other debt agreements. In the majority of the debt agreement (including corporate debt, mortgages, bank loans), debt principal to immediately become due for payment in the event of default. And generally, if a borrower defaulted on a debt owed to any creditor that the agreement also contains provisions regarding "cross failed" or more commonly known in the financial world in terms of the requirements of "cross default" was instantly declared a debtor will default also over other debts. In the event of default is the lender usually will immediately process the failure of the legal process (for example, filed for bankruptcy or foreclosure petition collateral) to secure the rights of creditors in the debt repayment charge.
4. The Company's performance or concept Doubt.
The main reason for refusing the financing of existing companies or new start is a dubious concept of corporate performance or bad. Ketidakminatan two underlying elements of business risk that investors are too high and too low levels of profit and return on invested capital.
5. Lack of experience and business acumen.
Problems such as these have certainly faced by all entrepreneurs who are just starting their business. Not a matter of experience and business acumen will be a negative impact for the survival of their businesses.
6. Capital limitations.
Businesses with little capital is a business where we do not need a lot of capital to get started because we have limited capital. What we need is a willingness to try. Although small with less capital but does not rule out the possibility you can get maximum results.
7. Lack of Relationship Capital Resources.
Establishing a good relationship with the owners of capital is really important because the owners of capital is an important person in the continuity of a business, here is how to establish a relationship with the owners of capital are:
1) There must be a structure of an agreement between the company and investors.
2) Fostering relationships short and long term.
3) Carry out responsibilities well, especially in the completion / return of capital.
8. Company Failure To Follow.
Failure to follow is the reason for the failure of companies to get capital. Generally companies make contact initial contact without preparing memoranda problems will occur.
9. Lack Investor In Investing
Selective investors in investing in entrepreneurs actors create new entrepreneurs difficulties in obtaining additional capital because it does not meet the standard requirements of investors.
10. Difficult Earned Capital
Money is a form of power that is flexible, but the way to get that power can be done by looking for another. Distribution of stock ownership is another way to change the distribution of spending money with a certain number of shares to attract people who might expertise is needed by the company. Most investors have a distaste for big investors to risk. Analysis and screening procedures conducted two types of investors to minimize risk:
a. Wiraswastaan ​​unknown risks that cause loss of capital
b. Risk of loss of time spent on unproductive projects.
11. Financing Not Effective and Efficient
That the purpose of the financing is not an effective and efficient financing issued for things that are not necessary or important as buying items that are not related to the business field at wrestled. Many programs are implemented by using a bit of money.
12. Financing A Less Productive
Financing unproductive occurring within the company, where the company can add value and produce goods and services that have been planned.
13. Any deviation Fund
This problem is almost certainly the case in every company. This happens because of the dishonesty in a person or individual. An example is the "numbers game" is performed by an employee for personal gain.
14. Inability In Purchasing Raw Materials
Inability of the company in the purchase of raw materials due to lack of capital owned by the firm.
15. Difficult Getting Loans
The number of investors who do not have office occupies nameplate, telephone number, and closed the publicity. This kind of situation will complicate entrepreneur investor or lender menenmukan for his new venture. Typically entrepreneurs will approach bankers, notaries, accountants to help get people to provide capital to the new venture.
16. Too amount Lending Provided
For corporate lending to micro, small and medium enterprises (SMEs) is still too high so that the growth of Small and Medium Industries (SMI) is hampered because of difficulty in obtaining low-interest business loans.
17. Profit and Return on Investment The Low
Profit in absolute amounts is essential. If a company has a low profit margin then the company would be less attractive to investors. For example a lot of companies earn 1% on sales of Rp. 1 billion, then this does not warrant the time, trouble, and risk only with profit of Rp1 million. Companies with low sales volume after long periods of operation, low growth potential, backlog inadequate or unrealistic projections also get in trouble with the low rate of return on investment. Company for a period of break-even point (BEP) are long, without any loss of profits that could ditampakan, flow and needs huge investment will provide the return on investment is low.
Solution: a businessman should be able to use funds efficiently in order to yield a high return on investment.
18. Difficulty Requirements and Procedures That Expensive
Financing services to small and medium enterprises and cooperatives (SMEs) in the form of credit or a loan, until now remains an urgent topic. All of these can not be separated from the inequality that shows support SME financing difficulties. On the one hand, SMEC a pillar of the economy of the people, more so in the past to overcome the impact of the economic crisis. On the other hand, SMEs are not enough to obtain the service of capital in proportion. Is there something not right in the SME financing system or implementation at the field level has not been harmonized so that the financing problems of SMEs impressed patchwork.
19. Difficulty Investor Investment Monitor
Investors invested in the company but the company is not transparent in financial reporting so that investors can not monitor their investments.
20. Absence of Identification Purposes of Capital
In entrepreneurship observe the intended use of capital is a very important thing, because capital is one of supporting the success of the company. Then it is not the identification of the intended use of capital is not terarahnya input and output of existing capital in the company.

CHAPTER 4
CLOSING

4.1 SOLUTIONS
1. Uncollectible receivables factoring.
First time in making perjanijian have a factoring agreement with a guarantee from the seller Factoring Receivables is an activity in which the seller bears the risk of uncollectible receivables part or all of the receivables sold to financing companies. If the bad debt recorded as costs, and the company should be more thoroughly in selecting clients.
2. Company failures in meeting their obligations
Then the firm should borrowers deliberate ways by giving its debt repayment plan all or some of its debts, including if necessary to restructure the debt. Especially in companies, suspension of debt payments aimed at improving the economic situation and the ability to make a profit debtors, then this way likely borrowers can repay their obligations.
3. Difficulty in obtaining capital
Before you do a search of venture capital, an entrepreneur also advance the feasibility of carrying out an assessment of the business venture capital sourcing is derived from:
1. Working capital
2. Venture capital (firms and investors)
3. Capital from investors
4. Capital loans from banks

REFERENCES

Antonio, Muhammad Shafi. , 2001. Islamic Bank of Theory to Practice. Gema Insani Press and Tazakia Wise. Jakarta.
Djumhara, Muhammad. 2006. Banking law in Indonesia. PT Citra Aditya Bakti. Bandung.
Cashmere. , 2008. Bank Marketing (Revised Edition). Prenada Media Group. Jakarta.
Simorangkir. , 2004. Introduction to the financial institution Bank and Non-Bank. Media Discourse partners. Jakarta.
Rival, Rival. , 2008. Islamic Financial Management. King Grafindo. Jakarta.
http://tiara-rahmadan.blogspot.com/2013/01/pembiayaan-usaha.html
http://mkpimandiri.blogspot.com/2012/10/problem-pembiayaan-pendidikan-di.html
http://elearning.gunadarma.ac.id/docmodul/kewirausahaan/bab3 pembiayaan_usaha_baru_yang_berkembang.pdf
http://click-gtg.blogspot.com/2010/09/penundaan-kewajiban-pembayaran-utang.html

TOEFL

Test of English as a Foreign Language TOEFL is abbreviated English proficiency exam (American accent) are required to enroll into college (college) or university in the United States or other countries in the world. This exam is required for applicants whose native language or the speaker is not English. TOEFL exam is organized by the office of ETS (Educational Testing Service) in the United States for all test takers around the world.
TOEFL English language test types are generally required for college entrance requirements at most universities in the United States and Canada for programundergraduate (S-1) and graduate (S-2 or S-3). TOEFL test results are also used as a material consideration regarding English language proficiency of the students who apply to universities in other countries, including universities in Europe and Australia. In general, the TOEFL test is more oriented to American English, and a little different from the types of IELTS test-oriented to British English. Not like IELTS, TOEFL test is generally not have the individual part interview test.
The test usually takes about three hours and is organized into 4 parts, namely:
· Listening comprehension,
· Grammar structure and written expression,
· Reading comprehension, and passage
· Writing.
Values ​​ranged TOEFL exam results: 310 (minimum) to 677 (maximum value) for the version of PBT (paper-based test).

Since 1998, the TOEFL test is conducted online using a computer (Computer-based Testing / CBT), and since 2005 called the iBT (Internet-based Test). In places that have not been able to implement CBT or iBT (because there are no computer facilities and internet network), the TOEFL test is still conducted manually using paper and pencil (paper-based test or PBT). More information about the test CBT and paper-based TOEFL relating to registration, venue, cost, and test preparation materials can be found on the official website of TOEFL, http://www.toefl.org (CBT version of the TOEFL exam results have value ranges from 0 to 300, while the value for the iBT is from 0 to 120).
Lately TOEFL test organizers also held a kind of test TWE (Test of Written English) is the result of a separate value TOEFL test scores. The test takes 30 minutes, and participants will be asked to write a short essay that describes the ability of participants to express and pour an idea or ideas, as well as supporting the idea that the examples contained in everyday life using English standard.

Another type of test that is TSEP TOEFL (Test of Spoken English Program) which is similar to the individual parts of the interview on the IELTS test. They are usually used when we want to register as a teaching assistant or lab assistant (as one way to offset the cost of tuition) in universias in the U.S. (or other countries). Form of tests conducted orally and lasts for approximately 20 minutes. Implementation time and the deadline for registration is the same as the other TOEFL test, and costs about $ 100.

In English there are two types of object: Object of a Transitive Verb (verb needs an object) and the Object of a Preposition (eg, on, at, in, behind, by, of, to, etc.). This is often used by item writers to trick or confuse toefl test participants. In other words, participants were keen to see whether the test should be that of the object of that sentence, the object of the verb or the object of a preposition ... Another aim of the author is to confuse the participants about the test whether a word is a subject or object of a preposition phrase.

Example question:

For the last five years at various hospital in the country has been practicing medicine __________.
A now
B that
C before
D a midwife

About the author wanted to trick the test participant who does not know the object of a preposition, the country is subjectdari seolah2 has been practicing ... Though the country merupakanobject of preposition in. If we want to plot the sentence about the above, there are three propositional phrase (group of words that preceded by the preposition) ie For the last five years, at various hospital, and in the country. From there we know that the real problem is the subject above missing so just find a decent selection so that the sentence subject, so that the right answer is D

Here I will explain one of 15 other examples of sentences used in the TOEFL along with the correct answer and why.

1. _____was ringing continuously for hours.
A. Loudly C. The phone
B. In the night D. The bells
The above sentence has the Verb was ringing, but does not have Subject. Of the answer choices; (A) loudly and (B) In the night one because both are adverb. Answer (D) The bells are also wrong because the bells are plural and incompatible with the ringing was a singular verb form. The best answer is (C) The phone due phonesingular accordance with singular verbs and verb was ringing.

2. Mr. Zulyanto was ... the long chain of unfortunate events
A. the first to break C. firstly broken
B. the first breaking D. breaking the first
The phrase "the first to break" in the sentence stretcher comes from the long form "the first man who broke". The phrase "man who broke" with the past tense verb can be replaced with a structure "to + V1", which is "to break".

3. I will return your notes ... assoon as copying them.
A. I will finish C. i finish
B. I do finish DI finished
The sentence is appropriate if equipped with a subject and verb form of the Simple Present Tense time, ie "I finish".

4. This coffee tastes a little ... to me.
A. strongly C. so strong
B. D. Strong too strong
The word "tastes" (feel, taste) to follow the type adjective, ie "strong" (strong).

5. She has not seen her family three years ago ....
A. since C. for
B. from D. Before
The sentence form Present Perfect Tense (has not seen). If the description of the time refer to a particular point in time ("three years ago", as calculated from 2008 point time was in 2005), then the next word to be used is "since" (since).

6. The movie ____ Appearing at the local theater is my favorite.
A. now
B. is
C. it
D. was
Appearing is not part of a verb but an adjective. Her subject is movies and verbnya is is. Answer (B), (C) or (D) is incorrect because the sentence above already has a verb. The best answer is (A) now.

7. The _____ baked bread this morning smelled delicious.
A. has
B. was
C. it
D. just
Analysis:
baked bukanlan part of a verb, but an adjective. Verb of the sentence above is smelled and his Subject is the bread. Answer (A) and (B) is incorrect because it does not need a baked adjective and helping verb. Answer (C) is incorrect because the sentence above already has a Subject. The best answer is just.

8. I forgot my coat, ____ I got very cold.
A. then
B. so
C. later
D. as a result
The sentence above has two clauses: I forgot my coat and I got very cold. To connect, we have to use a Coonector. Then word (A), later (C), and as a result (D) is not the Connector. So the best answer is (B) because the second clause so it can connect correctly.

9. It's a shame that you have .... time in Texas on the tour
A. so few C. a few
B. so little D. a little
The word "time" including nouns can not be counted (uncountable), so to say "so little time" right is "so little time". "Little" is only used on nouns can not be counted.

10. It is ... day that travel advisories have been issued for most the major highways.
A. such snowy C. such a snowy
B. so snowy D. such snowy
"Such" is used specifically to denote a certain characteristic shapes (identity of type). Another example: "They regulary get" The Daily Courier '. I would not read such a paper "

11. Although she is very popular, she is not ... her sister.
A. more pretty than C. pretty as
B. as pretty like D. prettier than
That sentence using the Comparative Degree. If it consists of two syllables, to express more, then enough members affixes "-er" and followed by "than". Thus, the correct choice is "prettier than".

12. A few of .... are planning to drive to Florida today.
A. we girls C. us girls
B. girls we D. us girls
The word "of" as if the word depatn followed person pronoun, then it must be shaped object, sehigga pilihanyang exactly is "us girls".

13. The child ... playing in the yard is my son
A. now
B. is
C. heigh
D. was
In this example, if you only look at the first word on the matter at the top of "the child", you might think that it is the subject of the sentence and you will automatically assume that "playing" is a verb. Of course you will choose answer B or D to complete perhaps the verb "playing" but wrong.
We have to analyze that "playing" is not a verb because there is a verb in the question of "is". So should not you choose B or D. If you choose C and even then the sentence is wrong because there are already the subject of "child". So the sentence is already a Verb (is) and subject (child). So the correct answer is "A".

14. _____ Was arriving in Makassar Sultan Hasanuddin Airport
A. In the morning
B. Mimien and Josh
C. They
D. Tom
Above matter has been contained verb was arriving. In the example of this problem, we have to add a subject. Because the verb or verb of the sentence above is was arriving, then it takes a subject that was to be matched with (past tense of to be is). So the best answer is D.

15. The _____ plane landing in one hour
A. Will be
B. Was
C. It is
D. It really is
Sentence in this case has been the subject containing the plane and also contains a verb landing. The correct answer is option A. will be. Note the suitability of the sentence. Will be required to enhance verb. Option B is wrong because in one hour means information will occur in the future (not yet happened), while was a past tense. Choice C is wrong because the sentence above was contained subject.

reference:
http://id.wikipedia.org/wiki/TOEFL
http://pembahasan-soal-soal-toefl.blogspot.com/
http://zulyantoari.blogspot.com/2013/04/soal-soal-toefl-dan-penyelesaiannya.html

me and myself

I could say a college student working part time, my work place is my story. Early into the company initials "I", in the year I entered this place might arguably fortunate children because only test interview. I was out with friends one class entered this place. I prefer men older boys, he looks cool in all sides, but scientific studies have not been completed, the spirit brother muuaaaccchhh :) All activities are run with time running up to the time passed away. Following recruitment came, there I was assessing new kid, for some reason his face was something that interested me, but I probably could not reach it because the rival is too much even my friends love it too, maybe I should relent does he not the one who is destined to me. That feeling can not be covered, but I'm going to bury it deep. All gone in the time that has elapsed. Following recruitment came, everything went flat, I still harbored feelings hahha :D but still I liked most of the older boys. Until the holidays came and we went to Bali on holiday with a guy who I like also there ahhaha. After the activity was completed holiday as usual, there is a new kid man who seems really arrogant, nor greet scolds, who he is!! He thinks he's a guy the coolest? :/ OMG!!! All were passed over time. Somehow keep my place while I was working, I was boring time for a problem to work at my place, my face also looks sadistic probably hahhaa, suddenly my friend said "hey,, past the arrogant afraid to see you", with a surprise, I immediately ask for the phone number of the arrogant and then I send a message to him, "U scared look on my face?  I look like a monster? :D ", ranging from the message closer to the end I was arrogant. We became close friends and may be practically welcome 

~ Continued ~

yo y yo mismo

Podría decir que un estudiante universitario de trabajo a tiempo parcial, mi lugar de trabajo es mi historia. Temprano en las iniciales de la empresa "I", en el año que entré en este lugar podría posiblemente los niños afortunados porque sólo entrevista de prueba. Yo estaba con amigos una clase entró en este lugar. Yo prefiero hombres niños mayores de esa edad, se ve bien en todos lados, pero los estudios científicos no han concluido, el hermano espiritual muuaaaccchhh . Todas las actividades se realizan con el tiempo corriendo hasta el momento pasado. Después de la contratación vino, no me estaba evaluando chico nuevo, por alguna razón, su cara era algo que me interesaba, pero probablemente no podría alcanzarlo porque el rival es demasiado, incluso mis amigos les encanta también, tal vez debería cejar hace que no la uno que está destinado a mí. Ese sentimiento no puede ser cubierta, pero voy a enterrar en lo más profundo. Todos se han ido en el tiempo que ha transcurrido. Después de la contratación vino, todo fue plana, todavía albergaba sentimientos hahha: D pero todavía le gusta la mayoría de los chicos mayores. Hasta que llegaron las vacaciones y nos fuimos a Bali de vacaciones con un chico que me gusta también hay ahhaha. Después de la actividad se completó vacaciones como de costumbre, no es un hombre nuevo chico que parece muy arrogante, ni saludar a regaña, quién es! Él piensa que es un tipo el más fresco? :/ OMG! Todos fueron pasados ​​a través del tiempo. De alguna manera a mantener mi casa mientras yo estaba trabajando, era tiempo aburrido para un problema para trabajar en mi casa, mi cara también se ve sádica probablemente hahhaa, de repente mi amigo dijo "oye, más allá del miedo arrogante de verte", con una sorpresa , pregunto inmediatamente para el número de teléfono de la arrogante y le envío un mensaje a él, "¿lo asustada expresión de mi cara es mi monstruo: D", que van desde el mensaje más cerca del final que era arrogante. Nos hicimos muy amigos y puede ser prácticamente la bienvenida 

Continúa ~ ~

Tugas Softskill ke 3 STYLE IN WRITTEN ENGLISH

 1. The defendant refused to answer the Prosecutor's questions _________

(A) Because he was afraid it would incriminate him 

(B) for fear that they will incriminate him 

(C) Because he was afraid that his answer would incriminate him 

(D) fearing that will be incriminated by it

Answer : (A) Because he was afraid it would incriminate him 

2. Mrs. Walker has returned______

(A) a wallet back to its original owner 

(B) to its original owner of the wallet

(C) the wallet to its owner originally 

(D) the wallet to its original owner

Answer : (D) the wallet to its original owner

3. The hospital owes______for the construction of the new wing. 

(A) the government twenty million dollars 

(B) for the government twenty millions dollars 

(C) to the government twenty million dollars 

(D) twenty millions of dollars to the government

Answer : (C) to the government twenty million dollars 

4. Sarah_______that she could not Attend classes next week. 

(A) told to her professors 

(B) said her professors 

(C) told her professors 

(D) is telling her professors 

Answer : (D) is telling her professors 

5. The artist was asked to show some paintings at the contest Because ______ 

(A) he painted very good 

(B) they believed he painted well 

(C) of their belief that he was an artist good 

(D) the judges had been told of his talents 

Answer : (B) they believed he painted well 

6. If motorists do not observe the traffic regulations, they will be stopped, 

                                          A            B                                        C

 ticketed, and have to pay a fine.

                                       D 

Answer : (D). have to be paid a fine. 

Because it "stopped, ticketed" is passive, then "have to pay a fine" must also be in the passive voice. 

7. Fred, who usually conducts the choir rehearsals, did not show up last night 

                                                                         A                                         B

because he had an accident on his way to the practice. 

                        C                                                D 

Answer : A. the choir rehearsals. 

The sentence "the choir rehearsals" Is not needed the letter "s" because it is not the verb of the word "the choir" 

8. A short time before her operation last month, Mrs. Carlyle dreams of her daughter             

               A                                                    B                                             C 

who lives overseas. 

                    D 

Answer : C.dreamed.

The sentence "dreams" should be past tense. Because the word "last" month also in the past tense. 

9. The atmosphere in Andalucía is open, warm, and gives a welcome feeling to all 

                                               A                                                                   B 

who have the good fortune to visit there. 

   C                      D 

Answer : C. who.

The sentece "who" changed to "that" because of the word that is used to describe "the atmosphere" 

10. Some of the people were standing in the street watched the parade, 

                      A                                    B                                     C

while others were singing songs. 

                 D

 Answer : C. watched.

Because the sentence "watched" is the past participle form of the verb use of verb-ing. and the sentence above is actually an amalgamation of two sentences.