UMKM Minta Bunga KUR 12 Persen

Pelaku Usaha Mikro Kecil dan Menengah(UMKM) meminta agar bank pelaksaan menurunkan bunga KUR menjadi 12 persen. Kesepakatan turun 14 persen di nilai masih tinggi.

Kendala UMKM bukan hanya bunga tinggi, tapi sulitnya mengakses kredit. Akses kredit dapat difasilitasi dengan model tanggungan renteng, sehingga bisa lebih ringan bagi UMKM.

Pemerintah dan bank pelaksana KUR sudah menetapkan penurunan bunga KUR menjadi 14 persen dari 16 persen untuk kredit mikro dan 22 persen darui 24 persen untuk kredit ritel.

Kredit ritel harus lebih di turunkan menjadi 14 persen agar UMKM mampu bersaing di kancah perdagangan bebas 2010. Saat ini produk industri makanan dan minuman China yang masuk ke Indonesia lebih murah dibandingkan produk makanan di dalam negeri. Kalau diberi bunga tinggi, pelaku usaha akan semakin tidak efisien.

Pelaku UMKM sekarang ini sedang memasang strategi baru untuk memajukan bisnis, karena persaingan domestik semakin ketat. Pemberlakuan China-ASEAN Free Trade Area (CAFTA) 2010 juga akan menambah saingan UMKM, sehingga perlu dukungan perlindungan dari pemerintahannya.

Perlu perlindungan lebih detail terkait bahan baku makanan import, karena selama ini kerap ditemukan mengandung bahan yang membahayakan kesehatan.

PT. MAKMUR
PO BOX 4710
Jakarta-Timur

Your ref: 23 October 2009
Our ref :


Miss NEVI NUR WARDHANI
Bojong Depok Baru
Jl. Belimbing Blok DE-19
BOGOR-16320


Dear Miss Wardhani,

INVITE FOR INTERVIEW

We received your application letter on monday, 16 october 2009. We want to give information that you have been accepted in our company, because we need for staff office in my company.

We hope you to you come on thursday, 25 october 2009 at 08.00 am for the interview.

Thank you for your attention, and yourfully attention of my invitation would be greatly appriaciated.



Yours sincerely,




YUDHA

My daily Activity

I want to tell you about my daily activities. I wake up in the morning, after that I take a bath, than take a pray before I go to campus I have breakfast. I feel a lot of spirit to go to campus. But when I look the train is very crowded. I feel down. There’s many passengers full on it. Because I’m a fraid I can’t come on time. I have to get in.
Train is the fastes public transportation near from my house. Sometimes train get trouble can’t go ahead, than I look for the other alternative transportation. Usually I take public transportation. Even though sometimes the train get the trouble but I still love it. For me it’s fine it become a part my life. So I can feel the struggle to arrive in each our direction with the orther passengers.

BOJONG DEPOK BARU

Jl. Belimbing Blok DE-19

BOGOR

16 October 2009

The personnel manager

PO BOX 4710

Jakarta Timur-12700

Dear Sir,

STAFF OFFICE

With reference to your advertisement in " LOKER" Of monday,12 October 2009. I would like to apply for the STAFF OFFICE in your company.

My name is NEVI NUR WARDHANI. I am 20 year old. I am woman and have just graduat from the Accounting Experience same field.

Enclosed you will find my photograph and curiculum vitae.

Thank you for attention, and your fully consideration,

Yours faithfully,

(NEVI NUR WARDHANI)