Forum DhammaCitta. Forum Diskusi Buddhis Indonesia

Author Topic: Seputar dunia perbankan, Kartu Kredit dan investasi  (Read 215956 times)

0 Members and 8 Guests are viewing this topic.

Offline Lily W

  • KalyanaMitta
  • *****
  • Posts: 5.120
  • Reputasi: 241
  • Gender: Female
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #90 on: 17 March 2009, 08:51:18 PM »
Outraged Obama vows to block AIG bonuses
AFP - Tuesday, March 17WASHINGTON (AFP) - - President Barack Obama Monday vowed to block multi-million-dollar bonus payouts by bailed-out insurer AIG as he confronted intensifying public anger against Wall Street excess.

 
The controversy escalated as New York state Attorney General Andrew Cuomo started to slap subpoenas on American International Group, after the crippled firm ignored a Monday afternoon deadline to divulge details of the bonuses.

Conscious of the potential backlash as his administration readies new support for the financial industry, Obama said the planned bonuses for AIG executives and traders revealed over the weekend were an "outrage."

"This is a corporation that finds itself in financial distress due to recklessness and greed," he said, in a rare flash of public anger, at a White House event with owners of small businesses.

"Under these circumstances, it's hard to understand how derivative traders at AIG warranted any bonuses, much less 165 million dollars in extra pay," Obama said.

"How do they justify this outrage to the taxpayers who are keeping the company afloat?" he said, adding half in jest that "I'm choked up with anger here" as his voice caught at one point.

On Sunday, administration officials said there was little that Treasury Secretary Timothy Geithner could do legally to stop the bonuses, because they were promised under AIG employment contracts before the insurer was bailed out.

But Obama, noting the substantial government support extended to AIG, said: "I've asked Secretary Geithner to use that leverage and pursue every single legal avenue to block these bonuses and make the American taxpayers whole."

Massive losses at a London trading division have already forced the US government to pump some 150 billion dollars into AIG, leaving the company 80 percent owned by the taxpayer.

On March 2, the administration unveiled another emergency injection of 30 billion dollars.

According to widespread reports, the bonuses are largely going to traders at the very London-based financial products unit that is blamed for AIG's spectacular fall from grace.

White House spokesman Robert Gibbs said the administration was looking to attach stricter conditions to the latest infusion of 30 billion dollars.

"Certainly, any person that is subject to these bonuses ... should think long and hard about whether, given the performance of the company, this is either warranted or appropriate," he told reporters.

Acknowledging the public's anger at how 700 billion dollars in government bailout money for Wall Street has been used, Gibbs said the AIG case "offends our common sense, offends our sense of value, and seems completely misplaced."

The administration is at risk of deeper public anger after AIG revealed on Sunday that it had passed on 22.4 billion dollars of government money to many foreign-owned banks that signed up for its exotic insurance against risky bets.

France's Societe Generale and Germany's Deutsche Bank were among the top three recipients after AIG used the bailout funds to cover so-called credit default swaps offered by the London office.

AIG was deemed by the US government to be too big to fail, given the intricate web of ties it built with other financial institutions through the credit default swaps linked to the tanking property market.

Obama said he wanted Congress to pass tougher financial regulation "so we don't find ourselves in this position again."

In a letter to Geithner Saturday, government-appointed AIG boss Edward Liddy said the bonuses could not be canceled due to the threat of lawsuits for breach of employment contracts.

He also argued that AIG risked an exodus of senior employees unless it awarded incentives to retain "the best and the brightest talent."

That argument is being ridiculed in Congress as the Obama administration girds for the tough sell of asking for more bailout money to help US banks clear out their toxic assets.

John Boehner, the Republican leader in the House of Representatives, said the "outrageous" AIG bonuses proved his party's case that Obama must spell out an "exit plan" to wind down his administration's hefty market interventions.

_/\_ :lotus:
~ Kakek Guru : "Pikiran adalah Raja Kehidupan"... bahagia dan derita berasal dari Pikiran.
~ Mak Kebo (film BABE) : The Only way you'll find happiness is to accept that the way things are. Is the way things are

Offline Lily W

  • KalyanaMitta
  • *****
  • Posts: 5.120
  • Reputasi: 241
  • Gender: Female
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #91 on: 19 March 2009, 07:41:01 PM »
What if the government bailed out of the bailouts?

Live or let die? What would happen if US pulled the plug on bailed-out companies
Stevenson Jacobs and Tom Krisher, AP Business Writers
Wednesday March 18, 2009, 6:01 pm EDT
       Buzz up! Print NEW YORK (AP) -- What if the government got out of the bailout business?


AP - An AIG office building is shown Tuesday, March 17, 2009 in New York. Americans have stomached bailout after ...
The idea certainly seemed all right with throngs of Americans who were outraged by news that American International Group paid out millions of dollars in executive bonuses after it was rescued with taxpayer cash.

But would no bailout be even worse? Financial analysts and federal officials have warned that doing nothing to save AIG -- or banks or the auto industry -- would be a catastrophe, an economic domino effect of bank losses, stock market chaos and job cuts. No one -- at least no one in the government -- has the stomach for that.

Here's what might happen if companies deemed "too big to fail" were allowed to do just that.

AMERICAN INTERNATIONAL GROUP

For bailout backlash, it's hard to beat AIG. The government has made four separate loans and cash infusions to the crippled insurer, including $30 billion earlier this month. Total tab: $170 billion.

Public outrage reached new heights when word spread that AIG had paid executives $165 million in bonuses. President Barack Obama ordered his treasury secretary to grab back what he could, and one senator even suggested the recipients kill themselves.

So why not pull the plug? Because AIG has 74 million customers and operates in 130 countries, and letting it implode would positively unhinge financial markets around the world.

AIG built a murky, unregulated business issuing insurance for mortgage-backed securities and other debt held by banks. When the housing bubble popped and those securities went bad, AIG was left on the hook for billions of dollars in claims it couldn't pay.

Letting AIG die would make all of that insurance worthless. Banks around the world would be forced to take massive losses. Some could collapse, unnerving markets, driving up unemployment and maybe turning the recession into a depression.

The U.S. got a taste of that scenario in September, when bad debt forced investment bank Lehman Brothers into the biggest bankruptcy in U.S. history. Thousands of other firms were exposed to Lehman's complex financial contracts, and the resulting fear and uncertainty sent stocks plunging.

And that was just a small taste.

"AIG is about five times bigger than Lehman Brothers, and we learned that Lehman Brothers should not have gone bankrupt," said Mark T. Williams, professor of finance and economics at Boston University and a former Federal Reserve bank examiner.

It's not just AIG's life at stake. Over the weekend, the company named the trading partners who indirectly benefited from the taxpayer rescue. Those partners included Goldman Sachs ($12.9 billion) and Merrill Lynch ($6.8 billion).

So by bailing out AIG, the government is essentially bailing out those and other financial institutions whose fate depends on AIG's survival, said Sung Won Sohn, an economics professor at California State University, Channel Islands.

"If the money dries up, we'd see a lot more bad banks," Sohn said.

AIG itself has predicted nothing short of a financial apocalypse unless it stays on government life support.

In a bleak report to the Treasury Department late last month, AIG said its collapse could batter credit markets, bankrupt the U.S. insurance industry, depress the dollar, increase U.S. borrowing costs and shatter consumer and business confidence everywhere.

"The failure of AIG," the company warns in the report, "would cause turmoil in the U.S. economy and global markets, and have multiple and potentially catastrophic unforeseen consequences."

"What happens to AIG has the potential to trigger a cascading set of further failures which cannot be stopped except by extraordinary means," the report adds.

Not everyone buys the doomsday scenario. Some critics, including billionaire investor Jim Rogers, say keeping the company on the public dole is ruining the U.S. economy.

And Phil Kerpen, director of policy for Americans for Prosperity, an antitax lobbying group, said the government "should stop throwing good money after bad" and allow AIG to go into bankruptcy.

"There might be some contagion. There might not be. But we know for certain that the course we're on now isn't working," he said.

The government says letting AIG fail simply is not an option.

Federal Reserve Chairman Ben Bernanke, speaking to legislators earlier this month, warned that the damage to the world economy of an AIG failure would run into the "multiples of trillions."

That doesn't mean the government hasn't at least considered a world without AIG. On its Web site, the Treasury Department tracks what it calls "Systematically Significant Failing Institutions." There's a single company on the list: AIG.

THE BANKS

So far, the government has invested $200 billion total in about 400 banks, and it says it stands ready to spend even more. Two titans of the industry, Citigroup and Bank of America, have received $45 billion apiece.

And the banks may actually be stabilizing. JPMorgan Chase, Citigroup and Bank of America all say they were profitable in January and February. Citigroup stock, which traded below $1, has bounced back to more than $3.

For now, the government has a 36 percent ownership stake in Citigroup. If the government pulled its cash and investors lost confidence and drove the bank into bankruptcy, financial markets would be devastated.

The Federal Deposit Insurance Corp. points out that no American has ever lost a penny in a failed bank. But the FDIC has also never handled a failure as big as a Citigroup or a Bank of America.

Bert Ely, an independent banking analyst in Alexandria, Va., said pulling the plug on the banks could have a destructive impact on markets similar to the convulsions unleashed by Lehman Brothers' collapse.

Letting Citigroup and Bank of America go down in the same way would be "like taking a house that had some damage and burning it down," Ely said. "It's economic arson."

The concern, not unlike with AIG, is that letting a big bank go under would leave its trading partners saddled with huge losses, shattering confidence and leading investors to pull out the money they have left in the market.

But others say keeping the bailout money flowing is only making things worse.

Bill Seidman, a former chairman of the FDIC who ran the government bailout during the savings and loan crisis, said he does not believe letting failing banks die would trigger a brutal domino effect.

He's calling for a temporary nationalization that would end bailouts for insolvent banks, clean up their balance sheets and sell them back into the private sector.

"I don't think we would bring down the system by doing that," he said.

The White House isn't taking that chance. Obama's 2010 budget proposal sets aside up to $750 billion more in bailout money if banks fall deeper into the abyss. That's on top of the $700 billion bank bailout launched by the Bush administration.

In the meantime, the administration is urging patience.

"It is surely tempting to say the hell with them all," White House economic adviser Lawrence Summers said in a speech last month. But he added, "You can't responsibly govern out of anger."

THE AUTOMAKERS

General Motors and Chrysler have received more than $17 billion in government loans and asked to borrow $21.6 billion more. Their financing arms have received $6.5 billion on top of that.

The auto industry contends the failure of either of the two would set off a chain reaction that could ultimately cost 3 million jobs and suck $400 billion out of the economy over three years.

That's because hundreds of companies that supply parts to the Big Three, not to mention dealerships, would also be hurt. In fact, the Center for Automotive Research in Ann Arbor, Mich., heavily funded by the auto industry, contends that just 239,000 lost jobs would come from the automakers themselves.

The industry contends that if just one of the Big Three failed, 1.5 million jobs would disappear in a year. Ilhan Geckil, senior economist for the Anderson Economic Group, which also studied the impact of losing an automaker, said Michigan's unemployment rate would probably rise from the current 11.6 percent to as high as 14 percent.

The good news: The job pain would be eased somewhat because both the surviving Detroit automakers and foreign automakers who have plants in the United States would start to pick up the slack.

And some doubt the job losses would be so dire to begin with.

Susan Helper, a professor of economics at Case Western Reserve University in Cleveland who has studied the auto industry, says the chain reaction would be smaller -- although suppliers of parts for certain car models might be out of luck.

"I think the auto supply base is fairly intertwined," she said in an e-mail. "I think it's unlikely that every single supplier would be forced to stop production."

AP Business Writer Stevenson Jacobs reported from New York. AP Auto Writer Tom Krisher reported from Detroit.

http://finance.yahoo.com/news/What-if-the-government-bailed-apf-14683365.html
_/\_ :lotus:
~ Kakek Guru : "Pikiran adalah Raja Kehidupan"... bahagia dan derita berasal dari Pikiran.
~ Mak Kebo (film BABE) : The Only way you'll find happiness is to accept that the way things are. Is the way things are

Offline merlyna

  • Bukan Tamu
  • *
  • Posts: 39
  • Reputasi: 6
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #92 on: 13 May 2009, 04:46:57 PM »
yang lebih baik lagi investasi kebajikan

Offline F.T

  • Sebelumnya: Felix Thioris, MarFel, Ocean Heart
  • KalyanaMitta
  • *****
  • Posts: 7.135
  • Reputasi: 205
  • Gender: Male
  • • Save the Children & Join with - Kasih Dharma Peduli • We Care About Their Future • There Are Our Next Generation.
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #93 on: 13 May 2009, 05:05:28 PM »
^ siapanya ko indra nih ^-^


Save the Children & Join With :
Kasih Dharma Peduli ~ Anak Asuh
May all Beings Be Happy


Contact Info : Kasihdharmapeduli [at] yahoo.com

Offline Elin

  • DhammaCitta Press
  • KalyanaMitta
  • *
  • Posts: 4.377
  • Reputasi: 222
  • Gender: Female
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #94 on: 13 May 2009, 05:07:31 PM »
^ siapanya ko indra nih ^-^

gosip mode is turned on... hohohoho.....

Offline Forte

  • Sebelumnya FoxRockman
  • KalyanaMitta
  • *****
  • Posts: 16.588
  • Reputasi: 458
  • Gender: Male
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #95 on: 13 May 2009, 06:32:38 PM »
^ siapanya ko indra nih ^-^

gosip mode is turned on... hohohoho.....
kan udah ada mas lokkhi.. jangan jealous lah.. :))
Everything can be taken from a man but one thing: the last of the human freedom—-to choose one’s attitude in any given set of circumstances, to choose one’s own way. - Viktor Frankl

Offline Sumedho

  • Kebetulan
  • Administrator
  • KalyanaMitta
  • *****
  • Posts: 12.383
  • Reputasi: 423
  • Gender: Male
  • not self
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #96 on: 13 May 2009, 07:53:17 PM »
*gosip mode*: mereka ada hubungan ......
There is no place like 127.0.0.1

Offline Indra

  • Global Moderator
  • KalyanaMitta
  • *****
  • Posts: 14.565
  • Reputasi: 451
  • Gender: Male
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #97 on: 13 May 2009, 07:57:17 PM »
 :-w :-w :-w

Offline Elin

  • DhammaCitta Press
  • KalyanaMitta
  • *
  • Posts: 4.377
  • Reputasi: 222
  • Gender: Female
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #98 on: 14 May 2009, 01:09:04 AM »
Upst

Offline Forte

  • Sebelumnya FoxRockman
  • KalyanaMitta
  • *****
  • Posts: 16.588
  • Reputasi: 458
  • Gender: Male
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #99 on: 14 May 2009, 01:13:25 AM »
:-w :-w :-w
malam kamis ini sangat tenang..
om indra kumis, sebenarnya senang..

** kabur..
Everything can be taken from a man but one thing: the last of the human freedom—-to choose one’s attitude in any given set of circumstances, to choose one’s own way. - Viktor Frankl

Offline F.T

  • Sebelumnya: Felix Thioris, MarFel, Ocean Heart
  • KalyanaMitta
  • *****
  • Posts: 7.135
  • Reputasi: 205
  • Gender: Male
  • • Save the Children & Join with - Kasih Dharma Peduli • We Care About Their Future • There Are Our Next Generation.
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #100 on: 19 May 2009, 02:27:08 PM »
Brow hatred, kapan hari tanya soal bank yang bagus program tabungannya... Td ada cek d danamon soalnya mau buka juga..

Tabungan danamon lebih...

Keuntungannya :

Gratis biaya administrasi
Cash back 5 persen, setiap belanja min 200 ribu max 1 juta
Dapat asuransi 6 bulan

Dengan Minimal saldo 100 rb sdh bisa buka rek danamon

:))



Save the Children & Join With :
Kasih Dharma Peduli ~ Anak Asuh
May all Beings Be Happy


Contact Info : Kasihdharmapeduli [at] yahoo.com

Offline Elin

  • DhammaCitta Press
  • KalyanaMitta
  • *
  • Posts: 4.377
  • Reputasi: 222
  • Gender: Female
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #101 on: 12 August 2009, 09:17:04 AM »
LPS Turunkan Bunga Simpanan dalam Rupiah

Jakarta - Lembaga Penjamin Simpanan (LPS) menurunkan tingkat suku bunga untuk simpanan dalam rupiah. Keputusan itu didasari oleh terus turunnya suku bunga perbankan.

Rapat Dewan Komisioner LPS pada Selasa (13/07/2009) menetapkan tingkat suku bunga wajar bank umum untuk rupiah 7% (sebelumnya 7,25%) dan US$ 2,75% (tetap) serta BPR 10,5% (sebelumnya 10,75%).

Menurut Sekretaris Lembaga Ahmad Fajarprana keputusan LPS tersebut didasari oleh pertimbangan beberapa hal. Ia mengatakan, pertimbangan tersebut antara lain yakni perbankan telah menurunkan suku bunga simpanan secara bertahap.

Selain itu juga disebabkan oleh tekanan inflasi ke depan cenderung berada pada tingkat yang lebih rendah.

"BI Rate sebagai suku bunga acuan berada pada tingkat yang relatif turun yakni saat ini berada di posisi 6,5% dan likuiditas perbankan membaik," papar Ahmad dalam siaran persnya.

LPS berharap keputusannya ini bisa membantu bank untuk menurunkan suku bunga kreditnya lebih jauh sehingga diharapkan perekonomian dan sektor riil dapat tetap tumbuh.
(dnl/qom)


http://www.detikfinance.com/read/2009/08/11/095911/1180963/5/lps-turunkan-bunga-simpanan-dalam-rupiah

Offline hatRed

  • KalyanaMitta
  • *****
  • Posts: 7.400
  • Reputasi: 138
  • step at the right place to be light
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #102 on: 12 August 2009, 09:30:27 AM »
Brow hatred, kapan hari tanya soal bank yang bagus program tabungannya... Td ada cek d danamon soalnya mau buka juga..

Tabungan danamon lebih...

Keuntungannya :

Gratis biaya administrasi
Cash back 5 persen, setiap belanja min 200 ribu max 1 juta
Dapat asuransi 6 bulan

Dengan Minimal saldo 100 rb sdh bisa buka rek danamon

:))



toel :jempol:
i'm just a mammal with troubled soul



Offline Elin

  • DhammaCitta Press
  • KalyanaMitta
  • *
  • Posts: 4.377
  • Reputasi: 222
  • Gender: Female
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #103 on: 13 August 2009, 11:44:58 AM »
Tahan Bunga 0%, The Fed Melihat Ekonomi AS Makin Stabil

Washington - Bank Sentral AS (Federal Reserve) kembali mempertahankan suku bunga rendah di kisaran 0% hingga 0,25%. The Fed juga menilai perekonomian AS semakin stabil dengan pasar finansial yang semakin membaik.

Demikian hasil dari pertemuan Federal Open Market Committee yang berlangsung selama 2 hari 11-12 Agustus 2009. Keputusan kali ini kembali diambil secara bulat.

"Aktivitas ekonomi mulai stabil. Kondisi pasar finansial juga sudah membaik dalam beberapa pekan terakhir," demikian kesimpulan dari pertemuan FOMC, seperti dikutip dari Reuters, Kamis (13/8/2009).

Belanja rumah tangga terus menunjukkan tanda-tanda stabil meski masih tertahan oleh terus berlanjutnya PHK, turunnya pertumbuhan pendapatan, melemahnya kesejahteraan masyarakat dan ketatnya kredit.

Pebisnis juga masih memangkas investasi tetap dan karyawannya namun terus membuat perbaikan dalam hal cadangan sejalan dengan perbaikan penjualan.

"Meski aktivitas perekonomian sepertinya masih tetap melemah dalam beberapa waktu, namun komite terus mengantisipasi aksi kebijakan untuk menstabilkan pasar finansial dan institusi, stimulus fiskal dan moneter dan kekuatan pasar akan memberikan kontribusi bagi kembalinya pertumbuhan ekonomi yang berkesinambungan dalam konteks stabilitas harga," demikian FOMC.

Terkait hal ini, The Fed akan menggunakan seluruh alatnya untuk mengembalikan perekonomian AS dan menciptakan stabilitas harga. Karenanya, kebijakan suku bunga rendah 0% hingga 0,25% akan dipertahankan.

The Fed juga akan memberikan dukungan bagi kredit perumahan dan sektor perumahan serta secara keseluruhan akan memperbaiki pasar kredit swasta. The Fed akan menggelontorkan total US$ 1,25 triliun untuk agen surat berharga berbasis hipotek dan US$ 200 miliar untuk agen surat berharga hingga akhir tahun ini. The Fed juga dalam proses untuk membeli surat berharga pemerintah AS senilai US$ 300 miliar.

Analis menilai, keputusan FOMC tersebut sangat lunak dibandingkan kebijakan-kebijakan yang cukup ekstrim yang diambil bank sentral tersebut sebelumnya dalam rangka mendongkrak perekonomian.

"The Fed kini sedikit tidak terlalu khawatir tapi tidak berada dalam satu titik untuk tergantung pada perekonomian terlebih dahulu atau bertaruh seberapa kuat pemulihan ekonomi akan berlangsung," ujar Robert Brusca dari FAO Economics seperti dikutip dari AFP.

(qom/qom)


http://www.detikfinance.com/read/2009/08/13/064218/1182219/5/tahan-bunga-0-the-fed-melihat-ekonomi-as-makin-stabil

Offline CKRA

  • Sahabat Baik
  • ****
  • Posts: 919
  • Reputasi: 71
Re: Seputar dunia perbankan, Kartu Kredit dan investasi
« Reply #104 on: 13 August 2009, 03:36:22 PM »
"The Fed kini sedikit tidak terlalu khawatir tapi tidak berada dalam satu titik untuk tergantung pada perekonomian terlebih dahulu atau bertaruh seberapa kuat pemulihan ekonomi akan berlangsung," ujar Robert Brusca dari FAO Economics seperti dikutip dari AFP.

Inilah kalimat yang mencerminkan seorang ekonom yang sudah lama bergelut dalam dunia politik.