Selasa, 18 Maret 2014

Laporan keuangan Harum Energy Tbk

Laporan keuangan Harum Energy

Download soft copy laporan keuangan Harum Energy Tbk (kode saham = HRUM)
FINANCIAL STATEMENTS

Laporan keuangan 2013

  PT Harum Energy TbkFinancial Statements (Unaudited)
31 March 2013
click to download

Laporan keuangan 2012

PT Harum Energy Tbk
Financial Statements (Audited)
31 December 2012
 click to download
 PT Harum Energy Tbk
Financial Statements (Unaudited)
30 September 2012
click to download
 PT Harum Energy Tbk
Financial Statements (Reviewed)
30 June 2012
click to download
   PT Harum Energy Tbk
Financial Statements (Unaudited)
31 March 2012
 click to download

Laporan keuangan 2011

 PT Harum Energy Tbk
Financial Statements (Audited)
31 December 2011
click to download
 PT Harum Energy Tbk
Financial Statements (Unaudited)
30 September 2011
click to download
  PT Harum Energy Tbk
Financial Statements (Unaudited)
30 June 2011
click to download

Laporan keuangan Indo Tambangraya Megah

Laporan keuangan Indo Tambangraya Megah

Download laporan keuangan Indo Tambangraya Megah Tbk.

Financial Statement 2013

2013 – FS ITM Consolidated – 1Q13 Download File2,205 KB

Financial Statement 2012

2012 – FS ITM Consolidated – FY12 Download File2,297 KB
2012 – FS ITM Consolidated – 3Q12 Download File1,506 KB
2011 – FS ITM Consolidated – 2Q12 Download File2,781 KB
2012 – FS ITM Consolidated – 1Q12 Download File1,560 KB

Financial Statement 2011

2011 – FS ITM Consolidated – 1Q11 (ENG) Download File2,744 KB
2011 – FS ITM Consolidated – 2Q11 (ENG) Download File1,489 KB
2011 – FS ITM Consolidated – 3Q11 (ENG) Download File1,608 KB
2011 – FS ITM Consolidated – FY11 (ENG) Download File1,939 KB

Laporan keuangan Bumi Resources Tbk

Laporan keuangan Bumi Resources

Download soft copy laporan keuangan Bumi Resources Tbk (BUMI).

Laporan keuangan 2013

Laporan keuangan 2012

Laporan keuangan Adaro Tbk

Download softcopy (PDF) laporan keuangan Adaro Tbk.

Laporan keuangan Adaro

Laporan tahunan Adaro Tbk

Download tahunan keuangan

Download softcopy (PDF) laporan tahunan Adaro Tbk.

Laporan tahunan Adaro

Annual Report
FY12Annual Report 2012

FY11Annual Report 2011 (regular pdf)

FY10Annual Report 2010 (regular pdf)

FY09Annual Report 2009

FY08Annual Report 2008

KUA

Element: Big Wood
Color: Brown, Dark Green
Group: East
Trigram: Chen

Chen


How to Tap Your Auspicious Directions
  • Try to sleep, eat, work, or be in this sector of your home 
  • Do as many activities as possible in this sector
  • Face this direction when working, eating, or sitting in your living room 
  • Sleep with the top of your head pointed in this direction
  • Enter your home or office from a door that faces these direction
Your Wealth & Success Direction: South
Enhance this direction with lights, candles, or lamps. Add objects in groups of nine, such as nine candles or nine outdoor lights. Red colors are also extremely beneficial. This direction helps boost your prominence and stature, so do be sure to face this direction as much as possible -- particularly at work.
Decorate in colors of red, orange, pink, green, brown or purple. Fame comes to you if your front door faces this direction. Check out the ideas in my SPECIAL REPORT: GET YOURSELF NOTICED -- 88 Ways to Gain Attention, Recognition & Fame. It's perfect for a #3 kua like you and will help you get the recognition -- and the wealth that comes with it.
Do everything you can to use this direction to promote your wealth and success! Scholarly images are perfect for placing on the wealth and success wall of your home or office.
Your Health Direction: North
A front door facing this direction will increase your prosperity and bring you wealth! Facing north will also help improve your health. Try facing north while dining to doubly improve your health. Boost the north with black, blue, or purple colors, double fish symbols and/or an aquarium to give your health an extra shot in the arm!
Your Love Direction: Southeast
Enhance this direction with the colors of light green, blues, blacks, or purples. Add symbols such as green or wooden dragons, snakes, fish, or toads. Small plants are excellent in this direction as are flowers -- particularly those that bloom in water, such as lilies or lotus. Water is also excellent in this location for you, so consider having a fountain or aquarium here.
Your Growth Direction: East
In personal feng shui, the east is your growth and wisdom direction. Work in this location to improve your standing, study in this direction, and locate beneficial activities here, such as dining to improve all areas of life. Are you trying to start over from any kind of setback? If so, this is direction to face or be in. Add a beautiful plants here -- such as bamboo -- to get your growing again! Lights are also excellent enhancers for plants, so consider draping white lights on your plants for an extra dose of good feng shui.
Your Unlucky Directions: Southwest, Northwest, Northeast, West
Try to avoid the southwest sector and/or direction. To do so can cause arguments and legal problems or some kind of accident. You will receive blame for problems if you occupy this sector too much.
The northwest and northeast can cause accidents, misfortune, and difficulties, such as lawsuits, burglary or fire. If your front door faces this direction, your family may leave you. If you have a business with a front door facing this direction, employees may leave. This is a good location for a kitchen or toilet.
Strenuously avoid the west because it is the VERY worst direction for you. A front door facing this direction can lead to a loss of children or other close family members. Infertility can also arise, causing the family name to die out. Wealth will also be lost. This is a good location for a kitchen or a toilet.

Minggu, 02 Februari 2014

Loss Ratio 80% - Reasuransi Kurangi Retensi Asuransi Umum

Sejumlah perusahaan reasuransi memperkecil premi dari lini asuransi umum karena tingkat loss ratio (rasio kerugian) di lini tersebut mencapai 80%. "Dalam tiga tahun terakhir ini, perkembangan asuransi umum kami stagnan," jelas Presiden Direktur PT Maskapai Reasuransi Indonesia (Marein) Tbk. Robby Loho usai acara rapat umum pemegang saham (RUPS) Marein di Jakarta, Rabu (15/5). Robby menjelaskan, pada 2012, premi asuransi umum hanya mencapai 23,6% terhadap total premi Marein. Nilai ini menurun dibandingkan 2011 yang bisa mencapai 30,6% terhadap total premi. Dari segi jumlah rekananpun, Robby menyebutkan, jumlahnya mulai berkurang, yaitu tinggal sekitar 10%. "Bukan tidak mau di non life, sebelumnya 4-5 tahun lalu, premi dari asuransi jiwa dan asuransi umum kami seimbang," ungkapnya. Robby mengatakan, ada dua produk asuransi umum yang risikonya paling tinggi. Pertama adalah asuransi properti. "Rate properti sekarang kecil sekali. Dalam 10 tahun terakhir ini kami rugi main di properti," ungkapnya. Lalu produk kedua adalah asuransi marine hull. Robby menjelaskan, kendati rate pada produk ini dihitung dalam persen, namun tidak diimbangi oleh permintaan, sehingga loss ratio tetap tinggi. "Law of big number-nya tidak memenuhi," ujar Robby. Ia mengakui ada produk potensial, yaitu asuransi kendaraan bermotor pada asuransi umum. Namun, perusahaan asuransi cenderung meretensi sendiri produk asuransi kendaraan bermotornya. "Ada asuransi kendaraan bermotor, tapi kita tidak kebagian," ujarnya. Oleh karena itu, Direktur Marein Agus Muharam menambahkan, untuk memperoleh laba, perseroan memperbesar retensi dari asuransi jiwa. Apalagi loss ratio asuransi jiwa hanya mencapai 30%. Menurut beliau, retensi dari asuransi jiwa masih bisa diperbesar. Saat ini, sekitar 50% retensi asurnais jiwa masih dilempar ke luar negeri. Sebelumnya, Kepala Eksekutif Otoritas Jasa Keuangan (OJK) Firdaus Djaelani mewacanakan sejumlah hal untuk memperbesar industri reasuransi. Salah satunya tentang keharusan industri asuransi jiwa untuk meretensi preminya di perusahaan reasuransi domestik. Menganggapi hal ini, Robby berharap bisa semakin memperbesar premi dari asuransi jiwa. Pasalnya, jika dilihat dari kapasitas, industri reasuransi domestik bisa menampung seluruh retensi asuransi jiwa. Direktur PT Tugu Reasuransi Indonesia (TuguRe) Moro W. Budhi mengakui banyak permasalahan di asuransi sehingga retensi di dalam negeri cukup kecil. "Permasalahannya cukup kompleks," tegas Moro. Oleh karena itu TuguRe juga berniat memperbesar porsi bisnis reasuransi jiwa karena tingkat profitabilitasnya lebih tinggi. "Kami siap untuk asuransi jiwa karena eksposure terhadap risiko lebih rendah," tuturnya