New music

Hello friends, we just have free days for about 6 days since a week ago, so it' s holiday in here, and now I can update new musics for you, I still make progress for this site - manage time, so Happy listening ! and ........... until next time ............ see you.

NHK Radio greeting' s card 2013

NHK Radio Japan, New Year card 2013

January 5, 2013

Frequency & Schedule NHK 2013

These are the cards from NHK Radio Japan, which I received January 5, 2013; The NHK operates in Short Wave frequencies.

Happy New year 2013

Happy New year 2013 card for you all.

Wishing you Happy New Year 2013, may this year come with blessing and happiness upon you all, through the year, thanks a lot for your coming. See you in 2013 !. Salam : UH.

New Foundation

We will have New Foundation for this Blogsite
with :
New Vision
New Concept
New Style
New contains
New story  

Please wait until I end make it. Many thanks for all.

Quit from Indonesia Investor

From end of this month I will quit from the Indonesian Investor or Indonesia Stock Exchange market, because of too many bullshit.

From NHK Radio Japan

Several months ago I received some letters from NHK Radio Japan, Indonesian program, it includes postcards, NHK news, etc. like these :



Upper : Fragrant greenery in early Summer (Shizuoka) &
Portable shrines into the sea (Kanagawa prefecture)
Below : Under the trees ( Nagano prefecture )

Let' s sing in May 2012.

NHK Reception verification card



NHK Radio Japan Indonesian program is the one from several Short Wave Radio which still exist on the air, and on the other side, a lot of Western Broadcasting services in SW has gone since several years ago because of economic crisis, budget shrinking for go on war, etc.  

Only the good will remains.

Finance Ratios PT. Bank Jatim Tbk. ( BJTM )

Finance RATIOS - PT. Bank Jatim Tbk. Ticker code : BJTM.

as December 31,                                  2011                    2010                    2009

Capital Adequacy Ratio :                  16,53 %               19,19 %               21,32 %

Nonperforming Loans    :                   0,97 %                 0,65 %                 1,05 %
( Gross )
NPL Net                                :            0,55 %                 0,24 %                 0,47 %

Return On Assets              :                 4,97 %                 5,58 %                  3,75 %
Return On Equity             :                 33,65 %              40,57 %                28,59 %
Net Interest Margin        :                    7,95 %                 9,17 %                  7,66 %
Opr cost / Opr Income   :                  60,02 %               59,58 %               66,04 %

Loan to Dep Ratio            :                 80,11 %               80,70 %               69,67 %

Note : Year 2010 & 2009 restated.

If you want trade our Stock, please read procedures How to Buy & Sell on the upper bar.