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Central Java
The wirst-hit flood area in the country this rainy season has been Central Java where people has been killed and tens of thousands evacuated.

The public works ministry estimated that it will need 14 bilion rupiah to reconstruct the bridges in Kali Kuto and Kali Desa, Central Java, and to repair a number of roads in the provibce. another 10.36 billion rupiah is need to repair irrigation facilities.

The minister of Public work, Radinal Mochtar, has instructed that repairs on damaged roads and bridges be completed before the Idul Fitri holidays at the end of March.

Radinal said he ordered the state-owned construction company PT adi Karya to begin the reconstruction innedietelly. He said he chose the frim because it is now working or projects in the area and has experience in handling similar kinds of repairs. The company rebuilt both the Kali Comal Bridge, which was damaged by floods three years ago, and the Kali Kuto Bridge, which was destroyed by floods two years ago.

the minister also said the damaged irrigation facilities in the regencies of demak, Kendal and Purwodadi might be repaired before the end of March, allowing farmers to meet tis year's planting schedules.

The agriculture Ministry Pledged to send seed and tools to farmers in East and Central java whose fields have been damaged by floods.

1. What was the minister of public works instruction?
a. to send seed and tools
b. to calculate the funds
c. to evacuate the victim
d. to take all the people away
e. to reconstruct the damaged thing

2. When should the damaged roads and bridge be finished?
a. in March
b. at the end of March
c. before the Idul Fitri holidays at the end of March
d. at the Idul Fitri holidays at the end of March
e. at the Idul Fitri holidays

3. Which one is true according to the text?
a. the goverment has paid attention to the victim of the flood
b/ to reconstruct the destruction of the foods needs a lot of funds
c. the flood happened in the west season
d. there is no one killed in the flood
e. the flood took place in Central Java

The northern and shoutern polar regions are different in many ways. The most important difference the concerns the distribution of land and water. The northern artic regions are ice-covered sea, almost completely surrounded by land. The pole itself is in deep water. In the south, Antartica is a huge continent which is surrounded by a great ocean. Because of this basic difference other difference occur. The Artic has varied climate, while the Antartic climate vaies little; the Artic has much plant life but the Antartic is an empty desert. And whereas the Artic has been exploited economically for centuries, trade has never really touched Antartica.

One reason for the present interest in both polar regions is that the world may soon be short of fresh water. The world's population is double in every 35 years, and the United States alone an average person uses about 1,500 gallons of fresh water a day. The ice in the northern and southern polar regions is actually frozen fresh water. In fact over 85% of the erath's entire fresh water is found in the polar ice. If we could find a way of carrying this ice to other parts of the world, this would solve all our fresh water problems. (taken from; Communicate in Writing p. 28b)

1. Which of following is not true the northern Artic..
a. ice-covered sea
b. no economic exploitation
c. surrounded by land
d. varied climated
e. much plant life

2. The main ideia of the first paragraph is...
a. the differences between Artic and Antartic
b. Trade has never really touched Antartica
c. the south Antartica is a huge continent
d. The Artic has varied climate
e. the northern Artic regions are ice-covered sea

3. Because of this basic difference other difference occur (paragraph 1). the word "occur" has similar meaning with...
a. appear
b. change
c. happen
d. emerge
e. create

Leonardo da Vinci was born on April 15, 1452 in Vinci, Italy. He was the illegitimate

son of Ser Piero, a Florentine notary and landlord, but lived on the estate and was

treated as a legitimate son.

In 1483, Leonardo da Vinci drew the first model of a helicopter. It did not  look

very much like our modern day “copter,” but the idea of what it could do was about

the same.

Leonardo was an artist and sculptor. He was very interested in motion and

movement and tried to show it in his art. In order to show movement, he found it

helpful to study the way things moved. One subject he liked to study was birds and

how they flew. He spent many hours watching the birds and examining the structure

of their wings. He noticed how they cupped air with their wings and how the

feathers helped hold the air. Through these studies, Leonardo began to understand

how birds were able to fly.

Like many other men, Leonardo began to dream of the day when people would be

able to fly. He designed a machine that used all the things he had learned about

flight, and thus became the first model of a helicopter.

Poor Leonardo had only one problem, however. He had no way to give the necessary

speed to his  invention. You see, motors had not yet been invented and speed was an

important part of the flying process. It would be another four hundred years before

the engine was invented and another fifty years before it was put to the test in an

airplane. Leonardo’s dream of a helicopter finally came to pass in 1936.

The Italian painter, sculptor, architect, engineer, and scientist, Leonardo died on

May 2, 1519, and was buried in t he cloister of San Fiorentino in Amboise.

Choose the right one :

1.      What is the author’s main point?

a.      The invention of the helicopter

b.      Birds cup air with their wings and use feathers to help hold the air

c.       An overview of one of Leonardo da Vinci’s many skills

d.      Leonardo Da Vinci was born in 1452 and died in 1519

2.      The word problem in paragraph five could best be replaced by the word :

a.      Dilemma

b.      Mistake

c.       Danger

d.      Pain

3.      The word it in paragraph two refers to :

a.       Leonardo Da Vinci

b.      The first model helicopter

c.       1483

d.      Motion and Movement

4.      Which paragraph explains why Leonardo’s helicopter was not succesful in his lifetime?

a.       Paragraph 1

b.      Paragraph 2

c.       Paragraph 4

d.      Paragraph 5

5.      The word illegitimate in paragraph one is closest in meaning to :

a.       Against the law or illegal

b.      Not in correct usage

c.       Incorectly deduced, illogical

d.      Born out of wedlock

6.      The following sentence would best complete which paragraph? “ Since then people have been living out Leonardo’s dream of flying”?

a.       Paragraph 3

b.      Paragraph 4

c.       Paragraph 5

d.      Paragraph 2

7.      What was the main problem with Leonardo’s invention?

a.      Motors were not yet invented

b.      The birds lost their feathers

c.       He was illegitimate

d.      He couldn’t draw

8.      The word they in the third paragraph refers to :

a.       The feathers

b.      The birds

c.       The studies

d.      The wings

9.      In what year was the first helicopter clown?

a.       1483

b.      1452

c.       1519

d.      1936

10.  The word thus in the fourth paragraph could best be replaced by

a.       Wings and beaks

b.      Feathers and talons

c.       Wings and feathers

d.      Cups and feathers

artikel bahasa inggris

PPATK FINDS 2,300 Suspect Bank Account Tied to Ofiicials

           

Denpasar. A financial transaction watchdog has found 2,300 potentially problematic bank accounts belonging to heads of regional administrations or their families, its former chairman said on Thursday.

            " It is not yet known whether there are any (illegally) fat accounts among them, " Yunus Husein said on the said on the sidelines of a seminar on regional financial management in Bali.

                 Yunus said hundreds of the suspected problematic accounts in the names of regional heads or their families were being investigated by The Financial Transaction Reports and Analysis Center (PPATK).

 Any iregularities in the accounts, he said, would be evident in the way the money was moved among them.

                " The Funds are usually only moved around between the accounts of the wife, their children or other relatives," Yunus said.

                He cautioned that not all of the suspicious accounts flagged necessarily involved coruption, and said the investigation would eventually make it clear which were innocent.

                Meanwhile, Isran Noor, the head of the Association of Municipality Governments of Indonesia (Apkasi), said regional leaders were now concerned that they could potentially be accused of coruption because of an administrative error. He said unjustified suspicion could damage their careers even if they were eventually cleared.

                "Once they have been summoned by the prosecutors' office or the police, the case gets compilcated and they can no longer work comfortably," Isran said.

                He also objected to the PPATK's surveillance of Bank Accounts, arguing that bank customers had the right to privacy.

                Yunus, however, said the PPATK had the legal authority to investigate suspicious accounts.

               He added that the PPATK never released names, and said that if any were leaked to the press, the information must have come from other sources.

                Meanwhile, a spokesman for The Corruption Eradication Comission (KPK), Johan Budi, said the comission had not yet received any reports from the PPATK regarding the suspicious bank accounts.

            He said that because the KPK was busy addresing a significant backlog of cases, the commision could not take the initiative to request a report from The PPATK.

            Among the cases currently under KPK Investigation are those of
nine high ranking officials at the Finance Ministry found to have unusually large balances in their bank accounts.

            The reports about the accounts in question also came from the PPATK.

            In february, the center said more than 1,800 questionably large bank accounts had been detected since 2003.

            These included 707 accounts held by civil servants, 89 by police officers, 12 by prosecutors, 17 by judges, 65 by lawmakers, and one by a KPK official.

Source : Jakarta Globe Newspaper

Comment :

Commission should be careful in handling this case. KPK should be able to distinguish between suspicious accounts and normal accounts. But, recently there was a new cases of misappropriation of funds by the head of the regional. Negative funds deviation is done by Salatiga Mayor for alternative road Salatiga-Semarang. When the investigation will be held, Mayor Salatiga suddenly sick and had to be at hospital untill he become well. KPK should not pity, it is just a camouflage for the long-running from law and given a little relief. KPK must also be clean of corruption. In order to move forward into the best institutions in Indonesia. Go KPK!

TUGAS SOFTSKILL 2 ( BAHASA INGGRIS BISNIS 2 ) 25 SENTENCE

1. Joko was ....the great force of radio and the opportunity it provided for taking government policies directly to the people.


(A) as the first President he understood fully


(B) the first President that to fully understand


(C) the first president fully understood


(D) the first President to understand fully


2. Richard Wright enjoyed success and influence .... among Black American writers of his era.


(A) were unparalleled


(B) are unparalleled


(C) unparalleled


(D) the unparalleled






3. The down redwood appears ... some 100 million years ago in northern forests around the world.


(A) to have flourished


(B) was flourished


(C) having to flourished


(D) have flourished


4. The flexibility of film allows the artist __________ unbridled imagination to the animation of cartoon characters.
(A) to bring
(B) bringing
(C) is brought
(D) brings


5. Traditionally, __________in New England on Thanksgiving Day.
(A) when served is sweet cider
(B) when sweet cider is served
(C) is served sweet cider
(D) sweet cider is served


6. Typical of the grassland dwellers of the continent __________, or pronghorn.
(A) it is the American antelope
(B) the American antelope is
(C) is the American antelope
(D) the American antelope


7. Civil Rights are the freedoms and rights .... as a member of a community, state, or nation.


(A) may have a person


(B) a person may have


(C) may have a person who


(D) and a person may have



Identify the underlined word or phrase that must be changed in order for the sentence to be correct.


8. The work which the poet Emma Lazarus is best known is “The New Collosus” which is inscribed on the pedestal of The Statue of Liberty .


9. As many as 50 percent of the income from motion pictures produced in the United Statescomes from marketing the films abroad .


10. Sleep is controlled by the brain and associated by characteristic breathing rhytms.


11. Some hangars, buildings used to hold large aircraft, are very tall that rain occasionally fallsfrom clouds that form along the ceilings.


12. Today, modern textile mills can manufacture as much fabrics in a few seconds as it tookworkers weeks to produce by hand.


13. Since their appearance on farms in the United States between 1913 and 1920, trucks have changed patterns of production and market of farms products.


14. American painter George O’ Keeffe is well known as her large paintings of flowers in whichsingle blossoms are presented as if in a close-up.


15. To score a goal in soccer you ________.
A. must kick the ball.
b. must kicks the ball.
c. may kick them ball.
d. must kick them balls


16. At the 1984 Democratic National Convention in San Francisco, Gerald ine Ferraro became the first woman________ for the vice presidency.
a. to being nominated.
b. to has been nominated
C. to have been nominated.
d. to will be nominated


17 . _______ chocolate will give you a tum my ache.
a. Eat too much.
b. Eating to much.
C. Eating too much.
d. Eating too many


18. The observation deck at the Sears Tower_________ in Chicago.
a. is highest than any other one.
b. is highest than any other one
C. is higher than any other one.
d. is higher that any other one



19. If she _________ to advance her clock one hour, she wouldn’t have been late for work.
a. should have remembered.
b. could remembered.
c. remembered.
D. would have remembered.



20. It_________
a. was obvious from his response in the press conference.
b. that the candidate.
C. prepare his answers.
d. well.



21. The Eiffel Tower ___________ Paris, France.
a. land marks.
b. is land marked in.
C. is a landmark in.
d. is in a landmark



22. Young deer _________.
A. are called fawns.
b. be fawns.
c. is fawns.
d. are fawns called


23. Not until a dog is several months old does it begin to exhibit signs of independence ___________.
a. it s mother from.
b. from mother.
c. to mother.
D. from it’s mother


24. The Treasury Department…………….
A. is take a new look at regulations
b. limiting the number of interest that bank
c. savings, and loan associations
d. can pay on deposits.


25. The repair shop…..
A. keep my cassette player for six weeks before.
b. returning it,
c. nevertheless,
d. it still does not work properly.

TOEFL tips

Toefl test consists of three parts, among others:

Toefl Listening Comprehension Test, consists of 50 questions

Structure and Written Test Toefl, consisting of 40 questions

. Listening section in the form of dialogue or conversationbetween two people (the first person to ask and answer the second.Narrator will make inquiries based on the conversations betweenthe first and second. And all the questions Narrator only intended toanswer the second. That means you should focus more on people's answers second.
These are some tips for taking a test toefl listening section :


1. make sure you're healthy condition

2. pray before working on form

3.First question: do you have to listen to all the conversations of the first and second person? The answer may be - is okay, but moreimportantly who you should be able to catch the second personanswers.

4. The second question: Do you have to listen to all who answered thesecond sentence? The answer may be - is okay. But moreimportantly you should be able to catch one of the key words inanswer to the second.

5.The third question: what is the key word? Keyword is meant here is a verb (verbs) and adjectives (adjective). Why are the adjectivesand verbs used as keywords? Because you are looking for is OTHERWISE / synonyms (words that have the same meaning) with the keyword in the second answer.

PROPOSAL PENELITIAN ILMIAH

JUDUL PENELITIAN
Pengaruh kebijakan Moneter Kepada Pemberian Kredit Untuk Nasabah Bank BCA

LATAR BELAKANG

Mungkin tahun 1998 telah kita lalui lama namun dampak dari semua krisis moneter saat itu masih terasa hingga saat ini. Telah banya upaya pemerintah untuk memulihkan ekonomi bangsa ini salah satunya adalah kebijakan moneter.

Hal ini juga sangat mempengaruhi pengaruh kredit bagi nasabah bank bank di Indonesia

Maka dari itu saya akan membahas judul “Pengaruh kebijakan Moneter Kepada Pemberian Kredit Untuk Nasabah Bank BCA”

Perumusan Masalah
Dalam penelitian ilmiah ini, penulis akan mencoba merumuskan persoalan dalam bentuk beberapa pertanyaan sebagai berikut :

1. Apa sajakah bentuk kebijakan moneter yang telah diambil oleh pemerintah sejak krisis moneter 1998 ?
2. Bagaimana pengaruh suku bunga di Indonesia, Amerika, Inggris, dan Jepang terhadap pemberian kredit di bank BCA ?

BATASAN MASALAH

Untuk menghindari melebarnya topik yang akan diteliti, maka penulis membatasi permasalahan yang akan diteliti sebagai berikut :
1.   Penelitian hanya akan menggunakan aktiva pada bank BCA
2. Aktiva sutu bank terdiri dari banyak pos, dan penulis hanya membatasi untuk menggunakan pos-pos  yang sesuai dengan skala prioritas penggunaan dana, yaitu :

• kredit untuk nasabah; terdiri dari kredit yang diberikan
• investasi untuk pendapatan; terdiri dari penyertaan.

3. Dalam penelitian ini penulis hanya membatasi penggunaan data suku bunga, inflasi, serta kurs Rupiah terhadap negara Amerika, Inggris, dan jepang

4. Alat bantu yang digunakan untuk menganalisa data statistik agar dapat diolah, ditampilkan, dan dimanipulasi sehingga dapat menyajikan suatu informasi dalam penelitian ini menggunakan software SPSS

Tujuan Penelitian
Penelitian ilmiah ini bertujuan untuk :

1. Mengetahui dan menganalisis jenis kebijakan moneter yang telah diambil pemerintah
2. Mengetahui dan menganalisis pengaruh suku bunga di Indonesia, Amerika, Inggris, dan Jepang terhadap pemberian kredit di bank BCA ?

 Manfaat  Penelitian
Penelitian ilmiah yang akan dilakukan penulis ini mudah-mudahan dapat bermanfaat bagi penulis sendiri maupun pihak-pihak lain yang berkepentingan.

Manfaat akademis
Penelitian yang sangat berhubungan dengan manajemen dana bank, manajemen perkreditan, serta keuangan internasional diharapkan dapat lebih dipahami oleh pihak yang berkepentingan

manfaat dalam implementasi
Penelitian ini difokuskan pada bank Mandiri sebagai objek penelitian sehingga diharapkan hasil penelitian ini dapat digunakan sebagai pertimbangan dalam pengambilan kebijakan dan keputusan.

LANDASANTEORI

Hipotesa yang akan dicoba untuk dirumuskan berdasarkan kerangka pemikiran diatas adalah :

• H01: Tidak ada kebijakan moneter yang telah diambil pemerintah
• H02: Tidak ada pengaruh suku bunga Indonesia , Amerika, Inggris, dan Jepang terhadap pemberian kredit untuk nasabah bank BCA

METODOLOGI PENELITIAN
Data Penelitian
1. Sumber data
data diperoleh dari Laporan tahunan Bank Indonesia dan Laporan keuangan Publikasi Triwulan Neraca PT. Bank BCA (Persero), Tbk

2. jenis Data
a. ativa bank BCA
aktiva bank mandiri yang terdiri dari :
kredit untuk nasabah, terdiri dari kredit yang diberikan
investasi untuk pendapatan, terdiri dari penyertaan.
b. kurs Rupiah terhadap USD, GBP, dan JPY
c. Suku bunga inflasi di Indonesia, Amerika, Inggris, dan jepang

3. Tipe Data
data yang diteliti adalah data sekunder yang diterbitkan oleh bank Indonesia dalam bentuk buletin

TINJAUAN PUSTAKA
Neraca Bank
Menurut Soedijono pada kuliah Institusi Depositori dan Pasar Modal, Neraca sebuah bank dapat dibagi menjadi dua bagian, yaitu aktiva dan pasiva. Selanjutnya pasive sebuah bank terdiri dari utang dan modal.

Inflasi
menurut www.Organisasi.org , inflasi adalah suatu keadaan dimana harga barang secara umum mengalami kenaikn dan berlangsung dalam waktu yang lama dan terus menerus

Suku Bunga
menurut John Maynard keynes, bahwa suku bunga ditentukan oleh penawaran dan permintaan terhadap uang.

syarat syarat alinea dan pengembangan alinea

Syarat-syarat Alinea/Paragraf

1. Kepaduan Paragraf

Dalam merangkai kalimat di haruskan untuk mencapai kepaduan sehingga bertalian secara logis dan padu. Oleh Karena itu agar kalimat kalimat bertahan secara logis dan padu , gunakanlah kata penghubung.

Contoh :

Indonesia adalah salah satu Negara dengan penduduk terbanyak di dunia. Bahkan menurut data Indonesia masuk kedalam posisi di 5 besar. Walaupun di Indonesia itu sendiri sangat kental dan kuat dalam pemberdayaan melakukan KB (keluarga berencana). Tetapi tetap saja angka kelahiran masih yang tidak diharapkan dan masih ditingkat yang sangat tinggi. Akibatnya Negara tidak memiliki kapasitas yang sanggup dalam memperluas lapangan pekerjaan sesuai dengan jumlah penduduk Indonesia bahkan tingkat pengangguran juga menjadi tingkat tertinggi.

2. Kesatuan Paragraf

Yang dimaksud kesatuan adalah tiap paragraf hanya mengandung satu pokok pikiran yang diwujudkan dalam kalimat utama. Hal ini terbagi atas dua , yaitu paragraf deduktif , yang merupakan kalimat utama diletakkan di awal paragraf sedangkan paragraf deduktif adalah kalimat utama diletakkan di akhir paragraf.

Contoh paragraf deduktif :

Hingga saat ini Indonesia masih tercatat sebagai salah satu negara dengan penduduk terbesar dan terbanyak dan salah satu yang 5 besar di dunia. Berdasarkan data dari tahun ke tahun , Indonesia cukup mengalami peningkatan yang cukup signifikan pada angka kelahiran. Akibatnya Indonesia juga harus mampu berusah kuat memajukan perekonomiannya demi mencapai kesejahteraan rakyat dan penduduknya yang cukup banyak.

3. Kelengkapan Paragraf

Kelengkapan paragraf dikatakan lengkap apabila di dalamnya terdapat kalimat-kalimat penjelas secara lengkap untuk menunjukkan pokok pikiran atau kalimat utama. Ciri-ciri kalimat penjelas adalah berupa rincian , keterangan , contoh , dan lain-lain.

Contoh :

Indonesia adalah salah satu negara dengan penduduk terbesar di dunia. Akibatnya banyak penduduk yang mengalami masalah masalah dengan contoh seperti pengangguran , kemiskinan , dan lain lain. Dan ini menjadikan sebab akibat dalam ekonomi Indonesia yang tertinggal jauh dengan negara negara lain.

Perkembangan Alinea/Paragraf

1. Cara Pertentangan

Pengembangan paragraf dengan cara pertentangan biasanya menggunakan ungkapan. Ungkapan seperti berbeda dengan, sedangkan , lain halnya dengan , akan tetapi , dan bertolak belakang dari.

Contoh :

Kekuatan tim sepakbola Chelsea yang berasal dari Inggris kini sangat jauh berbeda dari Chelsea pada jaman 2000an. Dimana dengan Chelsea yang sekarang , mereka lebih memiliki kulitas tim dan pemain yang berhasil juara dan menjadi tim yang patut di segani di kawasan Inggris maupun Eropa.

2. Cara perbandingan

Pengembangan paragraf dengan cara perbandingan biasa menggunakan ungkapan. Seperti seruan dengan, seperti halnya , demekian juga , sama dengan, sejalan dengan, akan tetapi , sedangkan , dan sementara itu.

Contoh :

‘Kereta!’. Begitulah seruan buat sepeda motor di daerah Aceh. Seperti halnya di Aceh , di Medan pun menggunakan seruan kereta untuk menyebut sepeda motor. Akan tetapi , di lampung , jambi , di sana menyebut sepeda motor itu dengan nama Honda. Lain halnya dengan kota kota di jawa yang menyebutnya dengan motor.

3. Cara Analogi

Analogi adalah bentuk pengungkapan suatu objek yang di jelaskan dengan objek lain yang memiliki kesamaan atau kemiripan.

Contoh :

Dalam suatu persahabatan harus terjalin hubungan yang terikat erat dan tidak saling membohongi satu sama lainnya. Ibaratnya untuk tidak seperti musang berbulu domba. Harus saling menjaga kepercayaan masing masing.

4. Cara Contoh

Kata seperti , misalnya , contonya , dan lain lain adalah ungkapan ungkapan dalam pengembangan dalam mengembangkan paragraph dengan contoh.

Contoh :

Setiap manusia membutuhkan banyak vitamin C. Vitamin C itu sendiri banyak terkandung di buah buahan. Buah buahan yang banyak mengandung vitamin C , contohnya jeruk , jambu biji , mangga dan banyak lainnya.

5. Cara Sebab Akibat

Pengembangan paragraf dengan cara sebab akibat dilakukan jika menerangkan suatu kejadian , baik dari segi penyebab maupun dari segi akibat.

Contoh :

Seharusnya Negara kita , Indonesia bisa dan harusnya lebih maju di bandingkan Negara Negara lain di Asia tenggara dalam bidang sepakbola. Padahal kita memiliki kualitas pemain yang tak kalah bagusnya dari Negara lain. Akibatnya kita masih kalah dengan Thailand yang padahal liga sepakbola lokalnya kalah jauh dari Negara kita. Oleh karena itu kita perlu mengoreksi diri demi memajukkan sepakbola kita.

6. Cara Definisi

Adalah , yaitu , ialah , merupakan adalah kata kata yang di gunakan dalam mengembangkan paragraph dengan cara definisi.

Contoh :

Adik saya seorang gamer. Gamer itu sndiri adalah pemain game, atau bisa di bilang maniak nge game. Jadi gamer itu merupakan orang yang selalu atau senang memainkan game di computer atau playstation sejenisnya.

7. Cara Klasifikasi

Cara klasifikasi adalah pengembangan paragraph melalui pengelompokan berdasarkan ciri-ciri tertentu.

Contoh :

Uang palsu banyak beredar di pasaran di mana mana sekarang ini. Hal ini dengan hampir mirip dan tidak berbeda jauh dengan aslinya. Oleh karena itu kita harus pintar dalam memilih dan mengetahui perbedaan yang mana asli dan yang palsu dengan di bagi 3 cara. Tiga cara tersebut yaitu di lihat , diraba , dan diterawang. Kita berharap agar tidak banyak terjadi penipuan uang palsu.