Minggu, 29 Mei 2016

Conditional Sentences (If Clause)

1.    If we had left the house earlier, they would have not been so late getting to the ship.
2.    If I finish the assignment before Saturday, I will submit it to my lecturer.
3.    If I had seen the concert, I would have told you about it last night.
4.    Had Juki not interfered in his brother’s marital problems, if there would have been peace between them.
5.    She would give you the money if she had it.
6.    They would call you immediately if they needed help.
7.    Had my mother arrived at the sale early, she would have found a better dress.
8.    If you have enough time, please clean your room before you go to school.
9.    They could go for a drive if today were Sunday.
10.  If I win the prize, it will be because I write very well.
11.  If your sister buys that chocolate for you, will you be happy?
12.  If she had decided earlier, she could have left on the morning flight.
13.  Had I known his address, I would have written him a letter.
14.  If the roofer doesn’t come soon, the rain will leak inside.
15.  My cat always sleeps if it watches drama on TV.
16.  If you see John tonight, please ask him to call his mother.
17.  If I did a good job, I would get the raise.
18.  My lecturer will not accept my work if I submit it in late.
19.  If we had known her, we would have talked to her.
20.  They would understand it if you explained it to them more slowly.
21.  If I were rich, I would travel around the world.
22.  She would have understood her English teacher if she had spoken slowly.
23.  If my headache disappeared, I would play tennis this morning.
24.  If today were Sunday, we could go to the beach.

25.  We would go tonight if we didn’t have to study.

Kamis, 28 April 2016

Simple Past Tense and Present Perfect Tense on an Article

Ann Cairns of MasterCard: The Art and Science of Team Chemistry

This interview with Ann Cairns, president ofinternational markets at MasterCard, was conducted and condensed by Adam Bryant.
Q. What were some early influences for you?
I grew up in the northeast of England, in a small mining village near Newcastle. My dad was a shoemaker who originally made shoes for miners. I grew up in a period when Margaret Thatcher was closing down mines across Britain, so there was very high unemployment in my town.
That had quite a big influence on people living in the area because, as kids at school, you would be thinking, “What can I do to make the best of life?” You realize that education’s important and that you need to spread your wings. So that was a big influence.
I won a scholarship at the age of 11 to go to a British grammar school. The headmistress, a nun, had a chemistry degree from Oxford. She was very pro girls doing science. It was an all-girls school, and there were a lot of scientists in the school. It seemed pretty natural to me to go to university to do math.
Tell me about your mother.
She’s still alive. She’s 85, and she’s a very confident woman. She worked as a pharmacist’s assistant. She was quite scientific. And she’s also a very good singer, a soprano. My dad was a club comedian, too, so they were both performers. They would often do cabaret in the area at night.
When you went to university, did you have an idea of what you wanted to do?
None whatsoever. It was a time when, if you were well educated, you were in a position to get a good job, because only about 10 percent of the population went to university back then. I didn’t study math from a vocational point of view. I studied it because I loved the subject. I majored in pure math, actually, and then went on to do a master’s degree in statistics.
While I was doing my master’s, British Gas rang up the university and asked if anybody was doing statistics who could come into the research area and design experiments for physicists, chemists and engineers. The university sent me along for the job interview, and I got the job.
I became much more interested in the engineering side and offshore exploration. But first I had to pass a weeklong offshore survival course. The guy running it was an ex-Royal Marine. I was the only woman in the course, and he kept making me do everything first.
After about the third day, I went up to him and said, “You know, I’m really fed up with this. What’s this all about?” I told him it felt like discrimination. He said, “No. You’re such a little girl that if you jump off the platform, all those 47 guys behind you who are terrified are going to say to themselves, ‘Look, she’s just done it.’ ”
And were you O.K. with that?
I was, because I understood there was a reason he was doing it, and it was a positive one, not a negative one. He was not trying to show me up. He was trying to help make other people more confident about it. So that was O.K.
You started early in management roles.
I was managing about 50 engineers in my late 20s. It was comfortable for me, though. The thing about engineers is that they are people who are very expert at what they do, so you don’t have to know everything that they know. You just have to be somebody who can help build a team and put things together. And I was always pretty interested in understanding everybody’s specialization and how it all worked.
You then shifted into banking and moved up the ranks quickly. What are some leadership lessons you learned along the way?
In my mid-30s, they started doing 360-degree reviews, and I was getting pretty good reviews from my boss, and I was getting great reviews from my people, but I wasn’t getting such good marks from my peer group.
It’s easy to be competitive with your peer group as you’re climbing up the ladder. But over time you realize that in order to make your group effective, you have to think in terms of being one team, and how can you make those relationships the best they can ever be. You’re not trying to compete now. You’re trying to really make this work.
You see companies where people at that level are competing against each other, and then you see other companies where they’re not, and it makes quite a difference.
Any more thoughts on building a team?
You think about what each person will bring to the team, but you also have to think about them as individuals, and where they’re going from and to, because they’ve all got their own paths and things they want to achieve.
I’ve had people work for me who are very creative or can be very disruptive, and sometimes they’re the same person. I’ve seen other people take them off teams because it’s just too hard to manage people in that situation. But my view is that if you can get the best out of people, then it’s worthwhile putting them on a team and making sure that everyone else on the team actually knows this person’s characteristics.
And then you constantly reinforce what the good is, and you build mutual respect so that you don’t create a team of mediocre people who are all happy with each other and don’t challenge each other. You want people who can challenge each other without creating this peer problem of, “I don’t like you because you said such-and-such in the last meeting.” If you’re the boss of the team, you can stop that from happening without stopping the conversation flow.

The other thing that’s really important about building a team is that your team has got to respect you and they’ve got to feel safe. So you create that safe environment, and they’ve got to feel that you’re always acting in their interests.

nb:
-simple past tense in bold
-present perfect tense in bold and italic

Jumat, 22 April 2016

contoh soal subject verb agreement

A. Multiple Choice
1.      Sally .......... to the park every day.
a. Runner                          c. Running
b. Runs                            d. Run
2.      The dogs .......... at strangers.
a. Bark                            c. Barks
b. Has Bark                      d. Has Barked
3.      Ted and Mary .......... going to the movies.
a. is                                   c. was
b. are                               d. were
4.      The game .......... exciting.
a. was                               c. were
b. are                                d. is
5.      They .......... too much.
a.  worried                        c. worry
b.  worryig                        d.worries
6.      She .......... every night.
a. has studied                   c. study
b. studies                         d. studying
7.      Black or white .......... your choice.
a. is                                   c. are
b. were                             d. was
8.      That .......... incredible.
a. are                                 c. were
b. is                                   d. was
9.      Those .......... pretty shoes.
a. were                              c. was
b. is                                   d. are
10.  The cat or dog .......... in the yard
a. is                                   c. are
b. was                               d. were


B. Find the wrong thing! (error analysis)

1. The girl or her sisters watches television every day.
Correct: watch
2. Rob don’t like sports.
Correct: doesn’t
3. His classmates studies before a test.
Correct: study
4. One of the cookies are missing.
Correct: is
5. A lady with 10 cats live in that big house.
Correct: lives
6. Mumps is very serious.
Correct: are
7. The committee decide when to adjourn.
Correct: decides
8. Our team are the best.
Correct: is
9. Everybody enjoy a good song.
Correct: enjoys
10. Either are suitable.
Correct: is
11.    The game was exciting.
Correct: was
12.    They worries too much.
Correct: worry
13.    She study every night.
Correct: studies
14.    Black or white are your choice.
Correct: is
15.    That were incredible.

Correct: was

Jumat, 24 April 2015

Salah satu keuntungan atm

Dalam rangka memperluas jaringan pelayanannya disamping membuka kator-kantor cabang di berbagai tempat, saat ini bank mulai melibatkan penggunaan teknologi informasi khususnya internet banking untuk mempermudah proses bisnisnya. Internet banking pertama kali muncul di Amerika Serikat pada pertengahan tahun 1990-an, dimana lembaga keuangan di Amerika Serikat memperkenalkan dan mempromosikan internet banking untuk menyediakan layanan perbankan yang lebih baik (Chan and Lu 2004:21). Bagi pihak bank, internet banking memberikan beberapa keuntungan. Keuntungan pertama adalah business expansion. Dahulu sebuah bank harus memiliki  beberapa kantor cabang untuk beroperasi di berbagai tempat. Usaha ini memerlukan biaya yang tidak kecil. Kemudian hal ini dipermudah dengan hanya meletakkan mesin ATM sehingga dengan adanya mesin ATM tersebut dapat hadir di berbagai tempat. Maka dari itu, saya mengambil topik penulisan tentang ATM.

Jumat, 17 April 2015

Contoh Kata Pengantar yang Menarik



Kata Pengantar

                Puji serta syukur saya panjatkan kehadirat Tuhan yang Maha Esa, karena dengan rahmatnya saya dapat menyelesaikan tulisan tentang bahaya dari obat-obatan terlarang. Terima kasih juga tak lupa saya sampaikan kepada kedua  orangtua, teman-teman, serta kekasih yang selalu memberi dukungan dan semangat kepada saya sehingga dapat menghilangkan rasa malas yang hampir hinggap di dalam diri saya.

                Saya sangat berharap agar tulisan saya dapat berguna bagi orang lain yang membutuhkannya. Bagi para orangtua agar memperhatikan anaknya, bagi para anak muda agar saling mengingatkan teman-temannya. Karena jika sudah terjerat, akan sulit untuk lepas dari narkoba.

                Demikianlah basa-basi untuk sekedar menunjukkan sopan santun ini. Mohon maaf jikaterdapat kesalahan dalam penulisan atau berkata-kata. Saya mengharapkan kritik terhadap tulisan ini agar dapat membuat saya lebih baik. 


Penulis

Jumat, 27 Maret 2015

Review Jurnal : IDENTIFIKASI FAKTOR PENENTU KEPUTUSAN KONSUMEN DALAM MEMILIH JASA PERBANKAN: BANK SYARIAH VS BANK KONVENSIONAL



Judul :IDENTIFIKASIFAKTOR PENENTU KEPUTUSAN KONSUMEN DALAM MEMILIH JASA PERBANKAN: BANK SYARIAHVS BANK KONVENSIONAL
Penulis : Dr. Hanif Amali Rivai, SE., M.Si
Reviewer :Ghifari Dwijayarto

1.    Tujuan Penelitian
Tujuan dilakukannya penelitian ini adalah untuk mengetahui persepsi masyarakat minangkabau yang mayoritas muslim tentang bank syariah. Dan juga untuk mengetahui mengapa perkebangan bank syariah cenderung lambat di Indonesia sebagai negara yang memiliki masyarakat mayoritas muslim.
2.    Subjek Penelitian
Subjek dari penelitian ini adalah suku minangkabau, karena memiliki keunikan dalam mengkonsumsi suatu produk. Persepsi masyarakat yang religius dalam memilih suatu produk sangat memungkinkan menjadi pengaruh perilaku masyarakat dalam memilih bank.
Daerah penelitian ini meliputi 4 kota/kabupaten di wilayah Sumatera Barat dengan kriteria bahwa di daerah tersebut beroperasi kedua tipe bank (Bank Konvensional dan Bank Syariah), yaitu Kota Padang, Bukit Tinggi, Kab. Pasaman, dan Kab 50 Kota.
3.    Metode Penelitian
Desain pokok kuisioner meliputi aspek demografi, aktiitas penggunaan jasa perbankan, dan perilaku konsumen. Jumlah kuisioner berjumlah 310 set yang diditribusikan langsung oleh surveyor pada lokasi penelitian terpilih. Analisis yang digunakan terhadap sikap dan perilaku masyarakat dalam memilih bank menggunakan analisis statistik deskriptif berupa tabulasi silang, grafik, rata-rata, dan frekuensi. Untuk mengetahui faktor-faktor apa saja yang mempengaruhi perilaku masyarakat dalam memilih bank syariah dan bank konvensional digunakan analisis faktor. Selanjutnya, untuk mengidentifikasi hubungan antara berbagai faktor perilaku konsumen di dalam memilih jasa perbankan, digunakan crosstab analysis.
4.    Hasil penelitian
Hasil pengujian dengan cross-tab analysis mendukung bahwa tidak terdapat hubungan signifikan antara persepsi tentang bunga dengan keinginan untuk menjadi nasabah bank syariah. Dengan demikian dapat disimpulkan bahwa tidak terdapat perbedaan persepsi yang signifikan berdasarkan niat nasabah bank konvensional untuk menjadi nasabah bank syariah.