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MATA KULIAH

BAHASA INGGRIS BISNIS


(English for business )

Lecturer

ADOLF HUTABARAT , MS.i, MA.

POLITEKNIK STMI JAKARTA

Jakarta, 9 Maret 2018


5/20/2018
PERCAKAPAN BISNIS MENGGUNAKAN
MY/YOUR/HIS/HER/THEIR/OUR
 Pegawai A : OK, B. Whats is my job for today?
 Pengawai B : Your job is to type this list on your
computer.
 Pegawai A : Oh, It’s a long list! What is your job then?
 Pegawai B : I have a tough job too. My Job is to make
calculation on this subject.
Pegawai A : What subject is it?
Pegawai B : It’s our weekly financial report. Have you
met C ? What is his job?
Pegawai A : Yes, I have met him this morning. His job is to
escort our manager to our new factory after
lunch .

5/20/2018
ELEMENTARY
 Pegawai B : So, what is Miss D’ job? Isn’t that actually her job?
 Pegawai A : Miss D is absent today. Her friend told me she
was sick.
 Pegawai B : I see. Any way, have you met E and F? They’re our
new accountants.
 Pegawai A : No, not yet. What are their jobs?
 Pegawai B : They do accounting jobs, of course.
 Pegawai A : Ok, let’s get back to our jobs. When do we have
to finish it?
 Pegawai B : As soon as possible. We will have other jobs
later after lunch.
Pegawai A : Let’s do it. I do my job. You do your job. Others
do their jobs.

5/20/2018
PERCAKAPAN BISNIS MENGGUNAKAN
PRESENT TENSE
 Karyawati A : Hi, B! Do you always bring these folders every
day?
 Karyawati B : Yes, I do. I need these folders to do my job
every day.
 Karyawati A : As for me, I just need to bring this notebook to do
my jobs.
 Karyawati B : By the way, what does your boy friend do for a
living?
 Karyawati A : Oh....he works in XYZ English Course. He is
an English teacher..
 Karyawati B : That’s nice! What class does he teach?
Karyawati A : He teaches almost every kind of English
programme.
Karyawati B : Yes, I’ sure he does. Why?
Karyawati A : My brother wants to have better Business English skill.
5/20/2018
ELEMENTARY
 Karyawati A: I’ll talk to him. I’ll call you later. Anyway, how many
brochures do we have to print every month?
 Karyawati B: About 2000. We spread 500 brochures every week.
 Karyawati A : We work in hypermarket. Do you think 2000 sheets is
enough?
 Karyawati B : Yes, for this moment. Our drivers are already busy.
They deliver many goods to our customers everyday.
 Karyawati A : Good news. In that case, we get many profit everyday

5/20/2018
PERCAKAPAN BISNIS
PRESENT CONTINUOUS TENSE
 Manajer A : What are you typing on your computer
now, ?
 Manajer B : I’ am typing our company’s investment
data in many cities.
 Manajer A : Are you typing data from cities inside or out-
side Java?
 Manajer B : I’ typing data from cities outside Java.
Manager C has the complete data about
cities inside Java. So, he is typing it now.
 Manajer A : Good. Every body is typing now.
 Manajer
5/20/2018
B : But, You are not typing. What are you doing?
ELEMENTARY
 Manajer A : I’am preparing our annualy tax
report for tomorrow’s meeting.
 Manager B : Are you also preparing our company’s
annualy profit report now?
 Manajer A : Yes, I’ am also preparing some topics for
us to discuss tommorow.
 Manajer B : So, you are busy now.
 Manajer A : Every one is busy. My secretary is busy
too. She is making phone calls to our
branch managers.
Manager B : What are the employees from marketing
division doing now? Are they busy?
Manager A : Yes, They are. They are calculating some
5/20/2018
marketing reports now downstairs.
PAST TENSE
 Sekretaris A : I, Our Manager, and some other staffs
visisted our new factory yesterday. It was a long visit. We
went back to office at 6 PM.
 Sekretaris B : How did you go there?
 Sekretaris A : We went there by bus. We rented it.
 Sekretaris B : Was the bus comfortable? How much was
tehe cost ?
 Sekretaris A : Oh yes, it was very comfortable. The cost
was rather expensive. But it was worth it. What did you do
yesterday in the office?
 Sekretaris B : There were some visitors coming to our
office. Apparently, they would like to order some products
from our company.
5/20/2018
PAST TENSE
 Sekretaris A : So, you met them? Did you want to come again?
 Sekretaris B : Yes, they did. I suggested them to make an
appointment first.
 Sekretaris A : How long did they stay in our office? Did you show
them our new products?
 Sekretaris B : Yes of course. I did. It seemed that they like our new
product, but with a little modification.
 Sekretaris A : What was the modification they wished us to
make?
 Sekretaris B : They liked our products to be smaller in size and
brighter in colors.
 Sekretaris A : I’am sure you took notes everything
important and made sure they would order our new products
as they wished.

5/20/2018
PAST CONTINUOUS
PEGAWAI A PEGAWAI B
 I WAS WORKING IN MY DESK  WHAT DID HE WANT FROM YOU?
WPERCAKAPHEN THE MANAGER WAS HE ANGGRY ABOUT
CALLED ME TO COME TO HIS SOMETHING TO YOU?
OFFICE TWO DAYS AGO.
 EHM...I’M SURE YOU DESERVED
 NO. ON THE CONTRARY, HE GAVE IT. YOU ‘VE BEEN WORKING IN
ME SOME COMPLIMENTS. HE THIS COMPANY MUCH LONGER
TOLD ME THAT I AM A GOOD THAN I NHAVE. SO, WHAT DID
EMPLOYEE AND OFFERED ME A YOU SAY?
NICE VACATION TO BALI.
 GOOD NEWS FOR YOU. WELL, I
 I WAS SURPRISED, OF COURSE. BUT WAS BUSY CONVINCING OUR
THEN I TOLD HIM THAT I NEW CUSTOMERS ABOUT OUR
PREFERRED TO GO TO PRODUCTS TWO DAYS AGO,
YOGYAKARTA BECAUSE I CAN’T WHEN THE MANAGER CALLED
SWIM AND I DON’T LIKE WATER YOU.
SPORT.

5/20/2018
KARYAWATI A KARYAWATI B
 WHAT WERE C AND D  C WAS TYPING THE
DOING ON THAT LATEST DATA ABOUT OUR
MOMENT? INVESTMENT WHILE D
WAS HAVING A MEETING
WITH THE SECRETARY. E
AND D WERE GOING
SOMEWHERE RELATED
THEIR JOBS.
 I SEE. ANYWAY, I HEARD  IT WAS FROM MY MOM.
YOUR CELLPHONE WAS SHE CALLED ME TO
RINGING TWO DAYS AGO. BRING HER SOME CAKES.
5/20/2018
NATIVE SPEAKER
BY ADOLF HUTABARAT

5/20/2018
PENGERTIAN GRAMMAR
 Ilmu yang mengajarkan kepada kita bagaimana
cara membaca, berbicara dan menulis bahasa
Inggris dengan baik dan benar.
 Bagan dari aturan-aturan untuk berbicara atau
menulis bahasa tetentu.
 Jadi agar kita dapat merangkai kata-kata
menjadi kalimat yang sempurna dalam bahasa
Inggris, kita harus belajar Tata Bahasa Inggris
(Grammar).
5/20/2018
THE EIGHT PART OF SPECH
(delapan jenis kata)
 Noun (kata benda)
 Pronoun (kata ganti kata benda)
 Adjective (kata sifat)
 Verb (kata kerja)
 Adverb (kata keterangan)
 Preposition (kata depan)
 Conjunction (kata seru)

5/20/2018
NOUN
 Kata yang digunakan untuk menamai seseorang atau
sesuatu.
 Chalk (kapur tulis)
 Radio (Radio)
 Lion (singa)
 Table (bangku tulis) etc.

5/20/2018
PRONOUN
 Kata yang digunakan untuk mengganti nama kata benda.
 Kata yang bisa menggantikan fungsi kata benda dan
digunakan di tempat kata benda.
 I
 You
 They
 We
 He
 She
 IT
5/20/2018
THE
 Definite Article “THE” berlainan dengan Indefinite
Article, Definite Article bisa dipakai untuk Countable
noun atau Uncountable noun, tergantung dari situasi dan
kebutuhan.
 Pemakaian Definte Article “THE”
 Untuk benda yang sudah pernah muncul
 Ita has a car, (and) the car is Panther. (Ita mempunyai
sebuah mobil, mobilnya adalah Panther).
 Untuk benda yang baru pertama kali disebut, tetapi benda
tersebut bisa diketahui dengan jelas karena diterangkan
dengan beberapa kata.
 The Boy who called you Yesterday is my brother.
(pemuda yang memanggilmu kemarin adalah saudaraku)
5/20/2018
ADJECTIVE
 Kata yang digunakan untuk menyifati kata
benda dan kata ganti benda.
 Kata yang dipakai untuk memberi batasan atau
memberi sifat atau selain kata benda.
This book is good
Ita is clever

5/20/2018
ARTICLES
 Kata sandang adalah kata yang dipakai didepan
sejumlah kata benda dalam bahasa Inggris, dan article
dibedakan menjadi dua macam:
 Indefinite Article (kata sandang tak tentu)
 Definite Article (kata sandang tertentu).
 Indefinite Article A dan An (satu/sebuah) adalah
kata sandang yang digunakan untuk menunjukkan
satu benda, orang yang belim jelas atau beleum
tertentu.

5/20/2018
“A” DAN “AN”
A dipergunakan di muka kata benda yang diawali dengan
bunyi mati (consonant sound).
 a boy (seorang anak kaki-laki)
 a table (sebuah meja)
 a dog (seekor anjing)

 AN dipergunakan di muka kata benda yang diawali dengan


bunyi hidup (vowel sound).
 an apple (sebuah appel)
 an actor (seorang actor)
 an umbrella (sebuah payung)

5/20/2018
CATATAN
 Jika kata benda tersebut diawali dengan huruf mati tapi
bacaannya menggunakan huruf hidup maka kata benda
tersebut menggunakan kata sandang “ AN”
 an hour (satu jam)
 an honest man (seorang pria yang jujur)

 Dan sebaliknya, jika kata benda tersebut diawali dengan


huruf hidup tapi bacaannya menggunakan huruf mati
maka kata benda tersebut menggunakan kata sandang “A”
 a university (sebuah universitas)
 a useful book (sebuah buka yang bermanfaat)

5/20/2018
VERB
 Kata yang dipakai untuk mengatakan tentang
keadaan seseorang, meninjukkan nama
perbuatan, tindakan, kejadian atau apa yang
dilakukan.
 Kata yang menggambarkan keberadaan atau
kejadian dan bertindak sebagai predikat pertama.
 I sit on the chair
 The book is lying on the table.

5/20/2018
ADVERB
 Kata yang digunakan untuk menyifati terhadap arti kata
benda, kata sifat atau selain kata keterangan.
 She run quickly (dia lari dengan cepat)
 The room is very wide (kamar ini sangat luas)
 The train arrived too late (kapal api tiba sangat terlambat).
 Noted:
 Quckly menunjukkan bagaimana dia lari, Very menyifati
kata sifat wide dan too menunjukkan bagaimana dia
terlambat.

5/20/2018
PREPOSITION
 Kata yang diletakkan sebelum kata benda atau kata ganti
kata benda untuk menghubungkan (pertalian) terhadap
beberapa kata dalam kalimat.
 He cuts with knife (dia memotong daging dengan pisau)
 I walk to the kitchen (saya berjalan ke dapur).

 With yang menghubungkan kata knife dengan kata meat/


 To yang menghubungkan kata kitchen dan walk.
 Jadi kata = “with” dan “to” adalah penghubung.
5/20/2018
CONJUCTION
 Kata yang digunakan untuk menyambung
satu kata dengan kata yang lain atau satu
kalimat dengan kalimat yang lain.
 Rama and Shinta came yesterday.
 I have breakfast before I go to school

5/20/2018
INTERJECTION
 Kata yang diletakkan dalam kalimat yang menyatakan
ekspresi, perasaan tiba tiba (reflek) atau emosi.
 Oh my God, protect me! (oh Tuhanku, lindungilah
daku).
 Bah! He is not actor (bah! Dia bukan seorang actor).
 Hurrah! I passed in the examination. (hurrah ! Saya
telah lulus ujian).
 Note: Oh my God merupakan ekspresi perasaan heran.
 Bah merupakan ekspresi perasaan heran.
 Hurrah merupakan ekspresi perasaan gembira.
5/20/2018
NOUN (KATA BENDA)
 Kata benda mempunyai dua bentuk:
 Concrete Noun; Kata benda yang berwujud, yakni
dapat dilihat dan diraba;
 Eg. Iron (besi)
Gold (emas)
Table (meja)
Abstract Noun: Kata benda yang tak berwujud, yakni
tidak dapat dilihat, dirasa dan diraba.
Eg. Charity (amal), Happinessn(kebahagiaan),
Friendship (persahabatan), Appearance (kehadiran)

5/20/2018
Concrete Noun
 Proper Noun (kata benda nama diri) yaitu kata yang
berdiri sebagai nama seseorang, negara, atau nama nama
tertentu yang dimulai dengan huruf besar:
 Eg. Jakarta is the capital letter of Indonesia
 Sintong listens to the Radio
 Hamzah was martyred in Uhud
 Disini Indonesia berarti nama negara
 Sintong dan Hamzah berarti nama seseorang
 Uhud berarti nama tempat
 Masing masing kata diatas dimulai dengan huruf besar.

5/20/2018
Common noun
 Kata benda umum/biasa yaitu kata yang tidak
menunjukkan sesuatu secara khusu, melainkan umum
segala sembarang jumlah barang dari jenis yang sama
atau umum untuk semua kelas.
 TAKE YOUR BOOK PLEASE!
 I MET A MAN YESTERDAY
 EVERYONE HAS TO LOVE HIS COUNTRY

5/20/2018
MATERIAL NOUN
 Kata yang menunjukkan substansi, bahan, zat, untuk
sesuatu yang terbuat atau kata benda yang hanya
dapat diraba, diukur dan ditimbang.
 Eg. Salt is nesessary for food (garam enenak untuk
dimakan)
 The Fish lives in water ( Ikan hidup di dalam air).
 The Table is made of wood (meja terbuat dari kayu).

5/20/2018
COLLECTIVE NOUN
 Kata yang menunjukkan kelompok dalam bentuk
kolektif dari sesuatu yang banyak dianggap sebuah
(kelompok) sebagai satu kesatuan yang utuh dan
dapat dihitung.
 Eg. I see large congregation at Mosque (saya melihat
banyak jama’ah di masjid)
 The Army made the Ceremony (tentara itu
mengadakan upacara)
 Those are Navy (itu adalah angkatan laut)

5/20/2018
ABSTRACT NOUN
Kata yang menunjukkan beberapa sifat, perasaan
(keadaan) atau memisahkan tindakan dari beberapa
contoh tertentu aatau kata benda yang memberi nama
kepada benda-benda atau hal hal yang tidak berwujud,
yang tidak dapat dirasa, diraba, atau dilihat.
Dibagi empat bentuk;
Verb (kata kerja)
Common noun (kata benda umum)
Adjective (kata sifat)
The same verb (kata kerja yang sama)

5/20/2018
VERB BERAKHIRAN “ MENT”
 To arrange = menyusun arrangement =penyusunan
 To judge = mengadili judgement = pengadilan
 To conceal (menyembunyikan)
Concealment=persembunyian
 To move =bergerak movement = gerakan
 To develop =berkembang
development=perkembangan

5/20/2018
Verb dengan menambah akhiran
“ion”
verb ion
 To expect =menduga  Expectation=dugaan
 To connect  Connection=hubungan
=menghubungkan  Collection=kumpulan
 To collect  Confusion=kebingungan
 To confuse=membingungkan  Action= perbuatan
 To act-berbuat

5/20/2018
Verb+ ition-ation-cation
verb akhiran
 Admire=kagum  Admiration=kekaguman
 Apply=melamar  Aplication=lamaran
 Expect=mengharapkan  Expectation=harapan
 Compete=bersaing  Competition=pesaingan
 Repeat=mengulang  Repeatition=pengulangan

5/20/2018
Verb + ance-ence
verb akhiran
 Appear=hadir  Apperance=kehadiran
 Attend=menghadiri  Attendance=kehadiran
 Confide=memercayakan  Confidence=kepercayaan
 Differ=membedakan  Difference=perbedaan
 Obey=mematuhi  Obedience=kepatuhan

5/20/2018
Verb + y
verb akhiran
 Discover=menemukan  Discovery=penemuan
 Deliver=mengirimkan  Delivery=kiriman
 Injure=melukai  Injury=luka
 Recover=menyembuhkan  Recovery=sembuh

5/20/2018
Verb + T
 Complain= mengeluh complaint=keluhan
 Contain=mengandung Containt=kandungan
 Deceive=menipu deceift=penipuan

5/20/2018
Verb+AL
VERB AKHIRAN
 Approve=mengesahkan  Approval=pengesahan
 Arrive=tiba  Arrival=kedatangan
 Propose==usul  Proposal=usulan
 Refuse=menolak  Refusal=penolakan
 Try=coba  Trial=percobaan

5/20/2018
Verb+ure-ture-ature
 Enclose=menyertakan enclosure=lampiran
 Depart=beraangkat departure=keberangkatan
 Fail=gagal failure=kegagalan
 Mix=mencampur mixture=campuran
 Sign=menandai signature=tanda tangan

5/20/2018
Daftar kosa kata bisnis
Bahasa Indonesia English
 Agen Fiskal  Fiscal Agent
 Agen pembayar  Paying Agent
 Agen penjamin  Del Credere agent
 Agen Penjual karcis  Booking Agent
 Agen surat kabar  Local newspaper distributor
 Agen Tunggal  Sole Agent
 Agen pertemuan bisnis  Business meeting agenda
 Agenda rapat  Meeting Agenda
 Agenda rapat tahunan  Annual meeting agenda
 Agri -bisnis  Agribusiness

5/20/2018
Daftar kosa kata bisnis
BAHASA INDONESIA BAHASA INGGRIS
 AGRI INDUSTRI  AGRI INDUSTRI
 AGRONOMI  AGRONOM Y
 AGUNAN  HYPOTHECATION
 AHLI KEUANGAN  FINANCIAL
WIZARD/MONETARY
EXPERT
 CERTIFIED PUBLIC
 AHLI PEMBUKUAN
ACCAOUNTANT
 BENEFICIARY
 AHLI WARIS

5/20/2018
Daftar kosa kata bisnis
BAHASA INDONESIA ENGLISH
 AJANG INDUSTRI  INDUSTRIAL ESTATE
 AJANG PROMOSI  TRADE FAIR
PERDAGANGAN
 AKTA PENDIRIAN  ARTICLE OF
PERUSAHAAN INCORPORATION
 AKTE PENDIRIAN PT  CORPORATION CHARTER

5/20/2018
READING AND DISCUSS
AKTIVA ASSETS
 AKTIFA PAJAK  DEFERRED TAX ASSETS
TANGGUHAN  FIXED ASSETS
 AKTIVA TETAP
 AKUISISI  ACQUISITION
 AKUMULASI  ACCUMULATION
 ACCUMULATIVE
 AKUMULATIF
 ACCOUNTANT
 AKUNTAN
 CERTIFIED ACCOUNTANT
 AKUNTAN BERSETIFIKAT
 CERTIFIED PUBLIC
 AKUNTAN PUBLIK ACCOUNTANT
 AKUNTANSI  ACCOUNTANCY

5/20/2018
READING AND DISCUSS
AKTIVA ASSETS
 ALOKASI BIAYA  COST ALLOCATION
 ALOKASI BIAYA  MARKETING COST
PEMASARAN ALLOCATIOTAX
 ALOKASI PEMBAYARAN ALLOCATION
PAJAK
 ALOKASI DUMBER DAYA  RESOURCE ALLOCATION
 AMANAT PENYERAHAN  DELIVERY ORDER

5/20/2018
READING AND DISCUSS
AKTIVA ASSETS
 AKUNTASI KEUANGAN  FINANCIAL ACCOUNTANT
 AKUNTANSI PAJAK  TAX ACCOUNTING
 ALAT PEMBAYARAN SAH  LEGAL TENDER
 ALAT ALAT PRODUKSI  PRODUCER GOODS
 ALIRAN ARUS BARANG  GOODS FLOW
 ALIRAN BIAYA  FLOW OF COST
 ALIRAN DANA  FLOW OF FUND
 ALIRAN KAS  CASH FLOW
 ALIRAN MODAL KELUAR  CAPITAL OUT FLOW
 ALIRAN MODAL MASUK  CAPITAL INFLOW

5/20/2018
KOSA KATA
AMBIL ALIH TAKE OVER
 AMBIL ALIH PERUSAHAAN  TAKE OVER THE
 AMBIL ALIH USAHA COMPANY
 AMBISI  TAKE OVER THE
 AMBISI BISNIS
BUSINESS
 AMBISION
 AMBITIUS
 BUSINESS AMBITION
 ANAK PERUSAHAAN
 AMBITIOUS
 SUBSIDIARY COMPANY

5/20/2018
KOSA KATA
AMBIL ALIH TAKE OVER
 ANALISA BIAYA DISTRIBUSI  DISTRIBUTION COST
ANALYS
 ANALYSIS BIAYA PEMASARAN  MARKETING COST ANALYS
 ANALISA BISNIS
 ANALISA EKONOMI  BUSINESS ANALYS
 ANALISA KEUANGAN  ECONOMY ANALYS
 ANALISA PASAR  FINANCIAL ANALYS
 ANALISA PEKERJAAN  MARKETING ANALYS
 JOB ANALYS
 ANALISA REKENING  ACCOUNT ANALYS

5/20/2018
KOSAKATA
AMBIL ALIH TAKE OVER
 ANGGARAN BELANJA  BUDGET
 ANGGARAN BELANJA  NATIONAL EXPENDITURE
NEGARA BUDGET
 BALANCED BUDGET
 ANGGARAN BERIMBANG
 STATUTES
 ANGGARAN DASAR (AD)
 COOPERATIVE STATUTES
 ANGGARAN DASAR
 AMPLIFIED/MASTER
KOPERASI BUDGET
 ANGGARAN INDUK  LOCAL BUDGET OF
 APBD REVENUES AND
EXPENDITURE
5/20/2018
KOSAKATA
AMBIL ALIH TAKE OVER
 APBN  STATE BUDGET OF
REVENUES AND
EXPENDITURES
 NATIONAL REVENUE
 ANGGARAN PENDAPATAN
NEGARA BUDGET
 SALES BUDGET
 ANGGARAN PENJUALAN
 PRODUCTION BUDGET
 ANGGARAN PRODUKSI

5/20/2018
KOSAKATA
ANGGARAN PROYEK PROJECT BUDGET
 ANGGARAN RUMAH TANGGA  RULES OF ASSOCIATION
(ART) /BYLAWS
 ANGGARAN SURPLUS  SURPLUS IN BUDGET
 ANGGARAN TAHUNAN  ANNUAL BUDGET
 ANGGARAN TAMBAHAN
 SUPPLEMENTAL BUDGET
 ANGKA INFLASI
 INFLATION RATE/RATE OF
INFLATION
 ANGKA KEMISKINAN
 POVERTY RATE
 ANGKA KEUNTUNGAN
 PROFIT FIGURES
 ANGKA PENGANGGURAN
 ANGKA PENJUALAN  UNEMPOYMENT RATE
 SALES RATE/FIGURES/NUMBER
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OF SALES
KOSAKATA
ANGGARAN PROYEK PROJECT BUDGET
 ANGKA PRODUKSI  PRODUCTION FIGURES
 ANGKATAN KERJA  LABOR/WORK FORCE
 IN INSTALLMENTS
 ANGSUR
 INSTALLMENT PAYMENT
 ANGSURAN  ARCHIVES/FILES
 ARSIP  COMMODITY FLOW/FLOW
 ARUS BARANG OF GOODS
 CASH FLOW

 ARUS DANA

 ARUS KAS NEGATIF/POSITIF  NEGATIVE/POSITIVE CASH


FLOW
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KOSAKATA
ANGGARAN PROYEK PROJECT BUDGET
 ARUS PEMBAYARAN  PAYMENT FLOW
 ARUS PEMBELI  B UYING SURGE
 ASAS GANTI RUGI  PRINCIPLE OF IDEMNITY
 ASSEMBLING  ASSEMBLING/ASSEMBLED
 ASSEMBLIR  ASSEMBLE
 ASET  ASSET
 ASET MODAL  CAPITAL ASSET
 ASET PRODUKTIF  EARNING ASSET

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KOSAKATA
ASISTEN PENJUALAN SALES
 ASOSIASI  ASSOCIATES
 ASOSIASI DAGANG  TRADE ASSOCIATION
 ASOSIASI SIMPAN PINJAM  SAVING AND LOAN
ASSOCIATION
 ASUMSI EKONOMI  ECONOMIC ASSUMPTION
 ANSURANSI  INSURANCE
 ASURANSI ATAS SEMUA
KERUGIAN  ALL LOST INSURANCE
 ASURANSI ATAS SEMUA  ALL RISK INSURANCE
RISIKO  MARINE INSURANCE
 ASURANSI JASA ANGKUTAN  LIFE INSURANCE
LAUT
 JOINT LIFE INSURANCE
 ASURANSI JIWA BERSAMA

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SEE YOU

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THE END

SELESAI

5/20/2018