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Motivation

Perseverance are your strengths

What do you aim to achieve now is a result of the small business that you do this continuously. Success is not something that just dropped. If you are unsure of your destination and path, then you must have perseverance to keep trying. Perseverance is your ability to survive in the mindst of pressure and adversity.

You have to keep taking the next step. Do not just stop at the first step. Indeed, the farther you walk, the more stumbing blocks. Imagine, if only yesterday you quit, then you will not be here now. Each step increase yourself worth.

Whatever you do, do not lose your perseverance. Due diligence is your endurance. Proverb says that thousands of miles starts with a single step in step.

A big step actually consist of many small step. And the success of the first seps you should start from your home. Your home is the most well your heart. That's the best place to start and to come back.

Therefore, start your progress by improving your heart. Then your mind and your efforts persistence comes when what you do really comes from your heart.

Fruits

Benefits of Dragon Fruits for Health

Dragon fruit is still not widely known, but the fruit that comes from mainland Central America is already very popular. Fruit which has the Latin name Hylocereus polyrhizus widely cultivated by local farmers as a way of planting is easy and does not require too much capital. This piece first appeared has a fairly expensive price even par with apples imported from new Zealand but now the price is much more affordable. Substance or nutrients in dragon fruit proved to have properties very much. Here are 10 benefits dragon fruits for health:

1. Inhibits Aging

Anti-oxidants contained in Dragon fruit can inhibits aging process commonly experienced by someone who every day are to air pollution. The content contained in dragon fruit will detofixy the body effectively.

2. prevent Cancer

Antioxidants than useful to prevent premature aging also proven to prevent the growth of cancer cells in the human body. Fruit that has a bland taste slightly sweet with small seeds that can be consumed can be consumed by all ages. However, there is also someone who does not like the mushy fruit.

3. Improve Immune

Vitamin C is contained in the dragon fruit is quite high which is why this fruit is best eaten by children in infancy. If you are frequently exposed to the flu season especially when changes are uncertain what it is today should consume dragon fruit regularly every day.

4. Improve Appetite

If you are currently experiencing a period where the appetite drops should consume dragon fruit. In addition to its high content of vitamin C in dragon fruit apparently also contains Vitamin B2 and B1 which have long been relied upon by the world as an appetite enhancer treatment especially recuperating from illness.

5. Lowering Cholesterol Levels

In addition to Vitamin B2 and B1 dragon fruit also many stores Vitamin B3 which if consumed regularly can reduce blood cholesterol effectively. If a person's blood cholesterol decreases then the name will be kept away from circulatory disorders and heart.

6. Strengthen Bones and Teeth

Inside there is a dragon fruit contains abundant phosphorus and calcium. That's why if someone is eating dragon fruit regularly bones and teeth condition is much better than someone who has never eaten fruit dragon. For those of you who now at the age twilight dragon fruit should be consumed because it can prevent bone loss or osteoporosis.

7. Prevent Diabetes Mellitus

Currently degenatif disease is a scourge for someone who every day eat an unhealthy meal. Moreover, these people go through life with an unhealthy lifestyle, most likely his future will experience degenerative disease that is currently increasing number of infectious diseases defeat. If you are aware of it and are afraid of contracting diabetes mellitus should begin now consume dragon fruit for which there is an effective agent for reducing blood sugar levels.

8. Caring for Eye Health

Not only Vitamin A is needed to keep the eyes in order to stay healthy. Carotene, is also beneficial for the health of the eye that we have. Benefits of Dragon Fruit contained in the carotene content is very good for the eyes when consumed.

9. Caring Heart To stay healthy

Besides healthy diet regular exercise is also needed to maintain a healthy heart. If you have problems deciding what fruit is healthy for the heart, you should select for your own dragon fruit sala a healthy diet you start now. The content of Vitamin C, B1, B2, and B3 in the dubbed Dragon Fruit Fruit is very good for your heart health.

10. Caring for Skin Health

If you are currently experiencing skin problems especially acne need not worry. Therefore, there is a dragon fruit in the Vitamin C content of which we can rely as a way to get rid of acne healthy. The trick is quite simple, take a dragon fruit then peel the skin, enter into a blender, puree. Enter the dragon fruit in a glass smooth, take the water with spoons rubbed on the face. The rest can be taken as fresh juice. Do it regularly until you acne problems disappear. It can also be relied upon as a way to remove acne scars on the skin that bothers you.

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Word Wise

Giving Without Considering

Try to start your day with the intention to give. Start with something small, not too valuable in your eyes. Start of nickles. Collect some coins that may be scattered here and there. Only for one purpose: given. Whether you are in a hot city bus, then came a deafening sing singers. Or you were in the car with the cool AC, then a pair of small hands knocking begging.

No matter what your opinion of laziness, poverty and so forth. Do not need a lot of though, give one or two pieces on them. Perhaps there is some reluctance and annoyance. Press feeling it along with your gift. After all, nobody wants him downward into beggars. Remember, this time you are only "practicing" giving, reached the number that has no meaning?. Feel it, is now something of the self flow through the palm of your hand.

It's something called love. Given without consideration of how to get rid of stone inhibitors stream. The river is a sense of love from within. While the stone is centered on self-interest alone. Indeed, instead of coins or diamonds that you provide. The generosity does not lie in the hands, but in the heart.

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time managing

Time Management

Managing study time does not mean the loss of free time for fun. Not mean that in a time of 24 hours per day should be spent on learning. Quite the opposite. The main principles of effective time management is an effective timeline for activities that include: time to learn, time to work and social activities as well as time for yourself to relax. However the time required to relax by a student other than the time to learn. Most of the time to relax is needed to restore energy than has been used for study and work. Either study or work requires no small amount of energy, especially to concentrate in doing anything. The energy involved in this concentrate should be replace. If not, then it is very likely someone experiencing feelings of distress or stress. The main tips for managing study time is a combination of flexibility and discipline. Often the study plan has been drafted, but then there are sudden events that you should follow. You are expected to remain disciplined and yet flexible enough to replace the lost time to find another time.

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Recreations Place

Kuta Beach

Kuta Beach is one of the beautiful beach in Bali island. This beach is located in Denpasar, Bali, Indonesia. 

Bellow is some pictures of the Kuta Beach:

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Liberalism

Liberalism

   Liberalism is an ideology, philosophical view, and political tradition which is based on the understanding that freedom is the first. In common political values, lieralism aspire to a free siciety, characterized by freedom of thought for individuals.

     Liberalism reject the restrictions, especially of governmentn and religion. Liberalism calls for, free exchange of ideas, a market economy that supporta private enterprise were relatively independent, and a transparent system of government, and rejected any restrictions on  individual ownership. Hence liberalism become the basis for the further growth of capitalism.

     In modern society, liberalism will be able to grow up in a democratic system, this is because both are basing freedom of majority. Compare Oxford Manifesto of the Liberal International: "The rights and conditions can only be obtained through a genuine democracy. True democracy is inseparable from political freedom and based on the agreement made with the conscious, free, and well known of the majority, which is expressed through the ballot free and confidental, with respect for the freedom and

the views of the minotary.

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The richest people in Indonesia

The top 10 richest people in Indonesia

Here are the top 10 richest people in Indonesian version of Globe Asia:
1. Robert Hartono (72) and Michael Hartono (73) of the Djarum Group with a net worth of $ 15.5 billion (up from $ 11.8).

2. Tjipta Eka Widjaja (90) of the Sinar Mas Group with a fortune of $ 13.1 billion (up from $ 12.5 billion).

3. Anthoni Salim (64) of First Pacific and Indofood with a fortune of $ 10.1 billion (up from $ 8.5 billion).

4. Susilo Wonowidjojo (56) of The Gudang Garam with a fortune of $ 6 billion (up from $ 3.5 billion).

5. Martua Sitorus (54) of Wilmar International with a fortune of $ 3.7 billion (down from $ 4.2 billion).

6. Bakrie (65) of the Bakrie Group with a fortune of $ 2.45 billion (up from $ 2.2 billion).

7. Putera Sampoerna (63) of the Sampoerna Group with $ 2.4 billion (up from $ 2.3 billion).

8. Peter Sondakh (61) of the Rajawali Group $ 2.35 billion (up from $ 2.2 billion).

9. Mochtar Riady (85) of the Lippo Group, with a fortune of $ 2.15 billion (up from $ 1.6 billion).

10. Tanoto (63) of Royal Golden Eagle With a Fortune of $ 2.1 billion (down from $ 2.14 billion).

Product of Islamic Banking

Islamic Banking Products

Some products and services provided by Islamic banks include:

1. Courier or deposit

a. Al-Wad'iah (custody service)

    is the fund custodian services for which the depositor may withdraw funds at any time. With the bank is not obligated wadiah system, but alllowed, to give a bonus to customers.

b. Mudarabah deposit

    Customers save money in the bank within a certain time frame. The advantage of investing in the funds of the bank customers will be shared between the bank and customer with a certain profit sharing ratio.

2. For Result

a. Al-Musharaka (Joint Venture)

   the concept is applied to a model of partnership or joint venture. Benefits achieved will be shared in an agreed ratio while losses will be shared based on the ratio of equity owned by each party. The fundamental difference with the concept of mudaraba is in no management interference management whereas no interference mudharabah.

b. Al-Mudaraba

    is an agreement between the capital provider and an entrepreneur. Any benefits achieved will be divided according to certain agreed ratios. The risk of loss is borne fully by the Bank except loss caused by mismanagement, negligence and irregularities such as fraud the customer, fraud and abuse.

c. Al-muzara'ah

    is the bank providing financing for customers who are engaged in agricultureal/ plantation on the basic of the results of the harvest.

d. Al-musaqah

    is a more simple form of muzara'ah, where customers only responsible for maintenance, and in return customers are entitled to a certain ratio of the crop.

3. Buying and Selling

a. Ba'i Al-Murabahah

   is the distribution of funds in the form of buying and selling. Bank will buy the required items a nd then resell the service users to service users with inflated prices determined in accordance bank profit margins, and service users can repay the goods.

b. Ba'i As-Salam

    Bank will buy the required items at a later date, while the payment is made in advance. Items purchased must be measured and weighed clear and specific, and the determination of the purchase price by the good pleasure of the whole between the two sides.

c. Ba'i Al-Istishna

    As-Salam is a special form in which the price of goods can be paid when the contract, paid in installments, or paid in the future. 

4. Rent

a. Al-Ijarah

    is a contract of transfer of rights to the goods and services through a lease payment of wages, without being followed by the transfer of ownership of the goods themselves.

5. Service

a. Al-Wakalah

    is a contract in islamic banking transactions, which is contract in accordance with the principles applied in the Islamic Shari'a.

b. Al-Kafalah

    is guarantee given by the insurer to third parties to fulfill the obligations of both parties or incurred, in other words, a shift of responsibility that is guaranteed to hold on the responsibility of others as collateral.

c. AL-Hawalah

    is an agreement in which the displacement in practice transferring debts from people who owe dependents dependents who are obliged to pay the debt (eg, agency debt takeover).

d. Ar-Rahn

   is a contract in Islamic banking transactions, which is a pledge agreement in accordance with shari'a.

e. Al-Qardh

    is one of the convenants contained in the Islamic banking system which is none other than loans, in cash or otherwise without expectation of reward or interest.

    

 

Islamic Bank

Islamic Banking

Islamic banking is a banking system based on the implementation of islamic law (sharia). This system is based on the establishment of the Islamic prohibition to lend or collect a loan with a loan charging interest (riba), as well as the prohibition to invest in businesses categorized forbidden (haram). Conventional banking system can not guarantee the absence of these things in the investment, for example in businees related to the production of food or drink haram, media or entertainment business are un-islamic, and others.

Although these principles may be applied in the economic history of islam, but only in late 20th century began to stand up Islamic banks that apply for commercial institution of private or semi-privat in the Muslim community in the world.

Islamic banking has the same purpose as conventional banking, the banking institution in order to generate profits by lending capital, deposit funds, fund operations, or the activities as appropiate. Principles of Islamic laws prohibits the elements below in banking transaction are:

1. Commerce over illicit goods

2. Interest

3. Gambling and speculation are intentional

4. Ambigue and manipulative.

Comparison between Islamic banks and Conventional banks.

a. Islamic Bank

- Doing only halal investments according to Islamic law

- Wearing the principle of sharing , buy-sell, and rent

- Profit-oriented and Falah (happiness of the world and the hereafter according to the teachings 

  islam)

- Relationship with customers in the form of partnership

b. Conventional banks

- Invest either lawful or unlawful according to Islamic law

- Wearing the interest rate

- Profit-oriented

- Relationship with customers in the form of creditor-debitor

- Collection and distribution of funds is not governed by a board similar

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