tag:blogger.com,1999:blog-75981564587270717062024-03-13T20:35:07.121+07:00** _ Florence _ **Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.comBlogger177125tag:blogger.com,1999:blog-7598156458727071706.post-12138905117627881342012-06-16T11:48:00.002+07:002012-06-16T11:51:13.615+07:00The 10 Best Android Tablets<div dir="ltr" style="text-align: left;" trbidi="on"><div style="text-align: justify;"></div><div style="text-align: justify;">Tulisan 10 - Bahasa Inggris Bisnis 2</div><div style="text-align: justify;"><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTpWwn6jW_Bz3yVt_uB1ZMGv05dROoDq0jweeXFmKjCvcKfysoBeCF_hrrhMOe_O01Xq3ww1SLVNAe3wOk2SsA-z3lZoiA3a2oNFhK0h9x5SAn__C6bQ0igkzv-CAu_xc9ZiLEZbAqrd3c/s1600/341397-10-best-android-tablets.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="228" pca="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiTpWwn6jW_Bz3yVt_uB1ZMGv05dROoDq0jweeXFmKjCvcKfysoBeCF_hrrhMOe_O01Xq3ww1SLVNAe3wOk2SsA-z3lZoiA3a2oNFhK0h9x5SAn__C6bQ0igkzv-CAu_xc9ZiLEZbAqrd3c/s320/341397-10-best-android-tablets.jpg" width="320" /></a></div><br />
<span style="color: #ea9999;">Android tablets had </span><a href="http://www.pcmag.com/article2/0,2817,2379345,00.asp"><span style="color: #ea9999;">a rocky start</span></a><span style="color: #ea9999;">, but since Google released its tablet-specific operating system, </span><a href="http://www.pcmag.com/article2/0,2817,2384318,00.asp"><span style="color: #ea9999;">Android 3.0 "Honeycomb"</span></a><span style="color: #ea9999;"> last year, we’ve seen a steady flow of high-quality Android tablets. And that's a good thing, since they provide viable alternatives to the </span><a href="http://www.pcmag.com/category2/0,2806,2362095,00.asp"><span style="color: #ea9999;">Apple iPad</span></a><span style="color: #ea9999;">, which has dominated the tablet market since its first release in early 2010. One of the major benefits of Android over the iPad and the never-quite-caught-on </span><a href="http://www.pcmag.com/article2/0,2817,2383525,00.asp"><span style="color: #ea9999;">BlackBerry PlayBook</span></a><span style="color: #ea9999;">, is that instead of a single hardware choice, you can access the OS on a number of different tablets.</span></div><div style="text-align: justify;"><span style="color: #ea9999;"><br />
</span></div><div style="text-align: justify;"><span style="color: #ea9999;">The only hitch there: There isn't a single version of Android. Nine months after the Honeycomb release, Google unveiled </span><a href="http://www.pcmag.com/article2/0,2817,2396697,00.asp"><span style="color: #ea9999;">Android 4.0 "Ice Cream Sandwich" (ICS)</span></a><span style="color: #ea9999;"> last November, which takes Gingerbread (the phone OS) and Honeycomb (the tablet OS) and merges them. Six months later and we've only seen Android 4.0 on a handful of tablets. (Only four of the 10 here currently run ICS.) Android has </span><a href="http://www.pcmag.com/article2/0,2817,2397729,00.asp"><span style="color: #ea9999;">notorious problems</span></a><span style="color: #ea9999;"> with timely OS updates.</span></div><div style="text-align: justify;"><span style="color: #ea9999;"><br />
</span></div><div style="text-align: justify;"><span style="color: #ea9999;">With ICS, Google continues to fine tune Android, making the tablet experience a very good one. The biggest issue with the platform, however, continues to be the lack of tablet-specific third-party apps and an easy way to find them through Google Play (formerly the Android Market). Android tablet apps are still in the low hundreds, while apps designed specifically for the iPad continue to climb into the tens of thousands (90,000K+ at the time of this writing). </span></div><div style="text-align: justify;"><span style="color: #ea9999;"><br />
</span></div><div style="text-align: justify;"><span style="color: #ea9999;">Given its Google roots, though, Android continues to be the most configurable tablet operating system you’ll find. It's a master multitasker with an excellent notification system, and top-notch integration with Google services like Gmail, Google Chat, and Google Maps. </span></div><div style="text-align: justify;"><span style="color: #ea9999;"><br />
</span></div><div style="text-align: justify;"><span style="color: #ea9999;">Turns out that one of the most compelling Android tablet we've seen so far doesn't even run Honeycomb, never mind Ice Cream Sandwich: Amazon's Kindle Fire uses a highly modified version of Gingerbread (Android 2.3), which is meant for phones. It's not perfect, but the smaller 7-inch screen, and Amazon's OS tweaks, along with its own high-quality content ecosystem and on-board Appstore make for one of the best tablet entertainment experiences you can find. And its $200 price, in a market where most tablets can cost more than twice as much, means Amazon has a real chance to steal some market share from Apple.</span></div><div style="text-align: justify;"><span style="color: #ea9999;"><br />
</span></div><div style="text-align: justify;"><span style="color: #ea9999;">If the Kindle Fire doesn't do it for you, or you can't wait for an ICS tablet like the forthcoming Asus Transformer Pad Infinity, the Samsung Galaxy Note 10.1, or others </span><a href="http://www.pcmag.com/article2/0,2817,2400909,00.asp"><span style="color: #ea9999;">announced at Mobile World Congress</span></a><span style="color: #ea9999;">, check out the slideshow for a look at top-rated Android tablets you can get now, or </span><a href="http://www.pcmag.com/compare_products/0,1812,,00.asp?sid=27996&a=290439,291199,296875,290703,296498,263518,293759,290976,288561,290852"><span style="color: #ea9999;">compare these tablets side by side</span></a><span style="color: #ea9999;">.</span></div><div style="text-align: justify;"><span style="color: #ea9999;"><br />
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</div><div style="text-align: justify;">Sumber :</div><div style="text-align: justify;"><a href="http://www.pcmag.com/slideshow/story/266915/the-10-best-android-tablets">http://www.pcmag.com/slideshow/story/266915/the-10-best-android-tablets</a></div><div style="text-align: justify;"><br />
</div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-87013460784656764822012-06-16T11:43:00.000+07:002012-06-16T11:43:20.833+07:00Cool New iPad 3 Cases<div dir="ltr" style="text-align: left;" trbidi="on">Tulisan 9 - Bahasa Inggris Bisnis 2<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi1TdqR5Cylsh0OJ09B2g9jInmN0EsSoDfUGTA5AXyYvwiRskOQ6SX-ZcwuKAoS4sspCBYRxZO-vUFPUDpu_S9BxuYKom5QLiIcEJ7vPY0xxWIx7LpFA2YZbU1GGmWSBkqc0V0FUHcJNmJ5/s1600/338607-best-ipad-cases.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="228" pca="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi1TdqR5Cylsh0OJ09B2g9jInmN0EsSoDfUGTA5AXyYvwiRskOQ6SX-ZcwuKAoS4sspCBYRxZO-vUFPUDpu_S9BxuYKom5QLiIcEJ7vPY0xxWIx7LpFA2YZbU1GGmWSBkqc0V0FUHcJNmJ5/s320/338607-best-ipad-cases.jpg" width="320" /></a></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span style="font-size: x-large;">A</span>pple's <a href="http://www.pcmag.com/article2/0,2817,2401677,00.asp">new iPad</a> packs a new processor, better graphics, an ultra-sharp display, and improved cameras. But even with all that extra power packed inside, the new iPad looks just like the old iPad. Visually, there's only one thing setting the two tablets apart: The new iPad is just .03 inch thicker. That's less than a millimeter—.76mm to be exact. Just enough to make you wonder if an iPad 2 case will fit on a new iPad.</div><div style="text-align: justify;">The good news is, many of the cases made for the iPad 2 will fit the new iPad. Apple's own <a href="http://www.pcmag.com/article2/0,2817,2381720,00.asp#fbid=EBKWgVKWdwv">Smart Cover</a>, for example, will work with both the iPad 2 and the new iPad. But compatibility isn't guaranteed, especially with, say, a shell that snaps on to the back of the tablet. To make things clear, most case manufacturers are releasing new iPad-specific case lines (or some call them iPad 3 cases). And that's what we've rounded up here: Cases that are guaranteed to work with the third-generation iPad. </div><div style="text-align: justify;"><br />
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</div><div style="text-align: justify;">Sumber :</div><div style="text-align: justify;"><a href="http://www.pcmag.com/slideshow/story/295481/cool-new-ipad-3-cases">http://www.pcmag.com/slideshow/story/295481/cool-new-ipad-3-cases</a></div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-39337831409712959932012-06-16T11:34:00.000+07:002012-06-16T11:34:40.833+07:00Phones With the Best Battery Life<div dir="ltr" style="text-align: left;" trbidi="on">Tulisan 8 - Bahasa Inggris Bisnis 2<br />
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<div style="text-align: justify;"><span style="font-size: x-large;">H</span>ave you ever felt your cell phone vibrate and pulled it out of your pocket, expecting to to see a text or e-mail message, only to see a low-battery warning instead? Surely, you've uttered the dreaded words, "My phone is dying, so I have to say this fast!" </div><div style="text-align: justify;">It may be time to consider investing in a phone with better battery life.</div><div style="text-align: justify;"><br />
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</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVsNHfWLTvpe09ZVq6rSPoZ_70KqBUibEc4nzh2QmyjKwl01SsYFViibSExlk56NlfK5jrnZhjDz7nYA5XKPQmXmMptBuaKymbm-7OrIVg_Tn_fhSMHm6FWHdQbvLVjoXmc35GImlgccZp/s1600/333082-phones-with-the-best-battery-life.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" pca="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVsNHfWLTvpe09ZVq6rSPoZ_70KqBUibEc4nzh2QmyjKwl01SsYFViibSExlk56NlfK5jrnZhjDz7nYA5XKPQmXmMptBuaKymbm-7OrIVg_Tn_fhSMHm6FWHdQbvLVjoXmc35GImlgccZp/s1600/333082-phones-with-the-best-battery-life.jpg" /></a></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">I don’t know about you, but the idea of carrying an extra battery or charger around, or even strapping a battery case to my phone is not all that appealing. But I’m realistic. Smartphones, with their big touch screens and fast processors, suck up a lot of power, so I’m not expecting to make it through the week on a single charge. Still, there’s no excuse for not being able to make it through the <i>day</i>.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">For every phone we review here at PCMag we test continuous talk time, to measure just how much chatting you can do between charges. Although talk time doesn’t account for all the other ways we use our phones throughout the day, it’s still a useful indication of how long you can expect your battery to last. For most smartphones running on a 3G network, the average talk time is a little over five hours, which isn't bad. There are also a good number of phones that fall in the six-hour range, which is even better. For the phones that support it, we also measure audio streaming time over 4G LTE, because 4G has proven to be a major battery suck. Right now, the average streaming time is just under four hours.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">For this list, we’re rounding up phones that delivered at least seven hours of talk time—some go well beyond that—which should be more than enough juice to get you from morning to evening without a charge. </div><div style="text-align: justify;"><br />
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</div><div style="text-align: justify;">Sumber :</div><div style="text-align: justify;"><a href="http://www.pcmag.com/slideshow/story/264094/phones-with-the-best-battery-life">http://www.pcmag.com/slideshow/story/264094/phones-with-the-best-battery-life</a></div><div style="text-align: justify;"><br />
</div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com1tag:blogger.com,1999:blog-7598156458727071706.post-31260132220550240292012-06-16T11:28:00.002+07:002012-06-16T11:38:20.378+07:00The Best Android Phones<div dir="ltr" style="text-align: left;" trbidi="on"><div style="text-align: justify;">Tulisan 7 - Bahasa Inggris Bisnis 2</div><div style="text-align: justify;"><br />
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</div><div style="text-align: justify;">These days, it seems like there's always a newer, faster Android phone on the horizon. Last month Samsung <a href="http://www.pcmag.com/article2/0,2817,2403937,00.asp">unveiled</a> the latest handset in its successful Galaxy S line. It won't be available to U.S. consumers until later this month, but with a quad-core processor, a 1,280-by-720 4.8-inch Super AMOLED display, an 8-megapixel camera, Android 4.0, 4G LTE support, voice control, and facial-recognition features, the Galaxy S III will likely be worth the wait. And a variant of the phone will be available on every major U.S. carrier. </div><div style="text-align: justify;"><br />
That's one of the best things about Android: Choice. The open nature of the platform means that you can find dozens of Android phones from a variety of manufacturers on each carrier. At the time of this writing, there were more than 20 Android handsets available on Verizon Wireless alone. According to research firm <a href="http://www.pcmag.com/article2/0,2817,2398695,00.asp">NPD</a>, Android owned 47 percent of the U.S. smartphone market in the last quarter of 2011.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">That's a lot of very similar phones to choose from. To come up with our list of top Android phones, we've chosen two to three winners for each of the four major carriers from our highest-rated phones. And for the contract-phobic, we've thrown in the best unlocked handset. If you've settled on Android as your mobile platform, and you're in the market for a new phone right now, these models are your best bets. But the way things are going, we can assure you that there's another great 'Droid right around the corner.</div><div style="text-align: justify;"><br />
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</div><div style="text-align: justify;">Sumber :</div><div style="text-align: justify;"><a href="http://www.pcmag.com/slideshow/story/264635/the-best-android-phones">http://www.pcmag.com/slideshow/story/264635/the-best-android-phones</a></div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-17946177406252650492012-06-16T11:19:00.001+07:002019-01-30T23:05:17.774+07:00The Best Android Phones<div dir="ltr" style="text-align: left;" trbidi="on">Tulisan 7 - Bahasa Inggris Bisnis 2<br />
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</div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-72602859517920663212012-06-16T11:10:00.001+07:002012-06-16T11:12:22.039+07:00Browser Wars: Chrome vs. IE9 vs. Firefox<div dir="ltr" style="text-align: left;" trbidi="on"><div style="text-align: justify;"></div><div style="text-align: justify;">Tulisan 6 - Bahasa Inggris Bisnis 2</div><div style="text-align: justify;"><br />
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</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUgC_hVEMUMIIkHxgxGawMO0ppo0H1uVCs59ZRU5bHKNSR8b0oU-l8BuSI3f9m166_K8F3T8Mj5nFuUpJ9Si4frEHU8L8iHiefj1FGw5s0hco18Y9hpvlz9pFY1ovv0UaTs1JEp_ZRaTQv/s1600/325043-browser-roundup.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" pca="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUgC_hVEMUMIIkHxgxGawMO0ppo0H1uVCs59ZRU5bHKNSR8b0oU-l8BuSI3f9m166_K8F3T8Mj5nFuUpJ9Si4frEHU8L8iHiefj1FGw5s0hco18Y9hpvlz9pFY1ovv0UaTs1JEp_ZRaTQv/s1600/325043-browser-roundup.jpg" /></a></div><br />
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<div style="text-align: justify;">You really can't go wrong with any Web browser choice these days. Chrome, Firefox, Internet Explorer, Opera, and Safari, all are fast, standards compliant, and feature rich. A lot boils down to what you're comfortable with and which features are most important to you. For many people, the choice is moving to the product offered their favorite search site. The last time we compared all five major Web browsers Google Chrome had just over 12 percent of the market. That's now doubled, and it looks like Chrome's market share will pass Firefox's soon.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><strong><span style="background-color: white; color: #0b5394; font-size: small;">Speed</span></strong><br />
I'd like to think the reason for this was my awarding Chrome the PCMag Editors' Choice, but there are other possible good reasons for Chrome's rise. Foremost among them is speed. Links to download the browser on the leading search site, and bundles with PC makers doesn't hurt either. But Chrome adds a few compelling features all its own: Chrome Instant means you'll often see your page before you've even finished typing its address or title. And it's the only browser with a built-in Flash player and PDF reader.</div><div style="text-align: justify;"></div><div class="slidecontent" style="text-align: justify;"><div class="slides"></div><div class="slides"><a href="http://www.pcmag.com/slideshow_viewer/0,3253,l%253D252222%2526a%253D262472%2526po%253D1,00.asp?p=n"><span style="color: #0b5394; font-size: small;"><strong>More</strong></span></a></div></div><div style="text-align: justify;"></ziffsplash>But Chrome doesn't have a monopoly on unique features or speed. Internet Explorer 9 brought Microsoft's fading browser a need boost, with JavaScript speed comparable to Chrome, and even started its own performance improving trend—graphics hardware acceleration. Now Firefox and Chrome come along with their own graphics hardware acceleration, and other browsers will surely follow. But IE still offers some distinguishing points, most of which come from its close integration with Windows 7. (IE 9 and up will only run on Windows 7 or Vista.) Pinned sites is a big one. This lets users keep a permanent button for a site in the taskbar, which opens a browser with the site's own branding, rather than IEs. </div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"></div><div style="text-align: justify;"><strong><span style="color: #0b5394; font-size: small;">Sync</span></strong><br />
While many browsers offer ability to sync your bookmarks, settings, and history Firefox offers perhaps the strongest, even syncing with its mobile Android version. I've often been shocked to come home to a PC, fire up the browser, and see the exact same group of tabs I'd left at work. Speaking of Tabs, Firefox offers one of the most innovative way to organize lots of tabs, with its Panorama tab-grouping feature. Lately, Firefox has made progress in startup time and memory usage, longstanding complaints.</div><div style="text-align: justify;">Perhaps the most innovative browser of all over the years has been the Norwegian-made Opera. Opera introduce a good many of the standard features we take for granted—built-in search, popup blocking, and even tabs themselves. Recently, Amazon has taken a page from Opera by emulating Opera Mini and Opera Turbo's Web caching speedup. Opera's bag of tricks include Unite—which actually turns your browser into a Web server, so that you can host your photos, or even a chat. Lately, the Nordic company has added live tiles on its Speed Dial new-tab page, not unlike those to be featured in Windows 8.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><strong><span style="color: #0b5394; font-size: small;">Style</span></strong><br />
And don't rule out Apple's Safari in your browser shopping. Though this browser is mostly associated with Mac OS, the stylish tech company makes a Windows version, too. Only Safari offers a Reader view, which lets you focus on the text of publication styles sites. More recently, Apple's added a Reading List feature, which saves sites you want to peruse later. Safari also sports Apple's trademark design prowess, particularly in its Top Sites gallery new-tab page and its Cover Flow view of your history and bookmarks.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><strong><span style="color: #0b5394; font-size: small;">Standards</span></strong><br />
Other things you'll want to take into consideration when choosing a browser include support for HTML5 and Privacy. Both of these are moving targets, with Chrome leading the pack on the first and Internet Explorer on the latter, with its Tracking Protection. In the reviews below, you'll see appraisals of how each player performs in these areas, along with several different types of speed tests and detailed feature analyses. But remember, don't be afraid to try the browsers out for yourself—they're all a free download away!</div><div style="text-align: justify;"><a href="http://www.pcmag.com/article2/0,2817,2373853,00.asp"><img alt="Google Chrome" border="0" class="right" src="http://www1.pcmag.com/media/images/289052-google-chrome.jpg?thumb=y" /><strong><span style="color: #007ba1; font-family: Georgia;">Google Chrome 15</span></strong></a><br />
<span style="color: #007ba1; font-family: Georgia;"><img alt="" border="0" height="11" src="http://www.pcmag.com/images/pcm_4_5_dot.gif" width="55" /></span>Chrome Instant means your Web page is ready to read before you finish typing the address. This, its speed, minimalist design, and advanced support for HTML5 have deservedly been attracting more and more users to the browser. New hardware acceleration makes Chrome a speed maven at any task.</div><div style="text-align: justify;"><div style="height: 15px;"></div></div><div style="text-align: justify;"><a href="http://www.pcmag.com/article2/0,2817,2349494,00.asp"><img alt="Setup" border="0" class="right" src="http://www6.pcmag.com/media/images/294902-setup.jpg?thumb=y" /><strong><span style="color: #007ba1; font-family: Georgia;">Firefox 8</span></strong></a><br />
<span style="color: #007ba1; font-family: Georgia;"><img alt="" border="0" height="11" src="http://www.pcmag.com/images/pcm_4_dot.gif" width="55" /></span>Firefox 4 got Mozilla back into the game, and the versions keep coming at a much faster clip, now that Mozilla hews to a Chrome-like rapid release schedule. These frequent versions haven't brought the kind of earth-shattering changes we used to see in new full-number Firefox updates, but the development teams have tackled issues of importance to a lot of Web users—startup time, memory use, and of course security. This lean, fast, customizable browser can hold its own against any competitor, and it offers graphics hardware acceleration.</div><div style="text-align: justify;"><div style="height: 15px;"></div></div><div style="text-align: justify;"><a href="http://www.pcmag.com/article2/0,2817,2369160,00.asp"><img alt="Windows Internet Explorer 9 Beta: Developer Tools" border="0" class="right" src="http://www3.pcmag.com/media/images/273691-windows-internet-explorer-9-beta-developer-tools.jpg?thumb=y" /><strong><span style="color: #007ba1; font-family: Georgia;">Internet Explorer 9 (IE9)</span></strong></a><br />
<span style="color: #007ba1; font-family: Georgia;"><img alt="" border="0" height="11" src="http://www.pcmag.com/images/pcm_4_dot.gif" width="55" /></span>Microsoft's latest browser is faster, trimmer, more compliant with HTML5—a major improvement over its predecessor. It also brings some unique capabilities like tab-pinning and hardware acceleration, but only Windows 7 and Vista users need apply.</div><div style="text-align: justify;"><div style="height: 15px;"></div></div><div style="text-align: justify;"><a href="http://www.pcmag.com/article2/0,2817,2375401,00.asp"><img alt="Opera 11" border="0" class="right" src="http://www9.pcmag.com/media/images/283743-opera-11.jpg?thumb=y" /><strong><span style="color: #007ba1; font-family: Georgia;">Opera 11.5</span></strong></a><br />
<span style="color: #007ba1; font-family: Georgia;"><img alt="" border="0" height="11" src="http://www.pcmag.com/images/pcm_4_dot.gif" width="55" /></span>Like the other current browsers Opera is fast, compliant with HTML5, and spare of interface. Long an innovator, recently it's added unique things like Unite, which turns the browser into a server, and Turbo, which speeds up the Web on slow connections through caching. Extension support actually followed other browsers, but Oslo still innovates with tab stacking, visual mouse gestures, and live Speed Dial tiles.</div><div style="text-align: justify;"><div style="height: 15px;"></div></div><div style="text-align: justify;"><a href="http://www.pcmag.com/article2/0,2817,2364856,00.asp"><img alt="Apple Safari 5 : Full Page Zoom" border="0" class="right" src="http://www3.pcmag.com/media/images/240923-apple-safari-5-full-page-zoom.jpg?thumb=y" /><strong><span style="color: #007ba1; font-family: Georgia;">Safari 5</span></strong></a><br />
<span style="color: #007ba1; font-family: Georgia;"><img alt="" border="0" height="11" src="http://www.pcmag.com/images/pcm_4_dot.gif" width="55" /></span>Safari is a fast, beautiful browser, but the Reader view and Reading List makes it even more enticing. Leading support for HTML 5 features will also be important, but you can already get that in other browsers, too. Safari's gorgeous styling, strong bookmarking, RSS reader, and vivid new-tab page will also appeal to many.</div><div style="text-align: justify;"><br />
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</div><div style="text-align: justify;">Sumber :</div><div style="text-align: justify;"><a href="http://www.pcmag.com/article2/0,2817,2365692,00.asp">http://www.pcmag.com/article2/0,2817,2365692,00.asp</a></div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-88260317639969645252012-06-16T10:39:00.000+07:002012-06-16T10:39:00.461+07:00Tsunami Dock Washes up In Oregon<div dir="ltr" style="text-align: left;" trbidi="on">Tulisan 5 - Bahasa Inggris Bisnis 2<br />
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<div style="text-align: justify;">A concrete dock torn from a port in northern Japan by last year's tsunami has floated ashore in the US state of Oregon, more than eight thousand kilometres across the Pacific Ocean.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The dock is more than twenty metres long and weighs one-hundred-and-sixty-five tons.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">A Japanese consulate official in Portland, Oregon, said a commemorative plaque showed it had come from the fishing port of Misawa.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Radiation checks proved negative, but scientists warn that invasive species foreign to the area may have hitched a ride.</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIVaCM8v86M_58M3pBJparVmTHGxfICZQAg70ADmewLTDxehuqz5WYza1hd82FF9bBQNuz_ANq6ahPXzuT0ignGLbCR0jULvW6hu9mQEH6ExkDi0VpSHHQlkgGRgQTgUIvaP77wc3DaC5X/s1600/120607062324_tsunami_japao_oregon_304x171_afp_nocredit.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" pca="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgIVaCM8v86M_58M3pBJparVmTHGxfICZQAg70ADmewLTDxehuqz5WYza1hd82FF9bBQNuz_ANq6ahPXzuT0ignGLbCR0jULvW6hu9mQEH6ExkDi0VpSHHQlkgGRgQTgUIvaP77wc3DaC5X/s1600/120607062324_tsunami_japao_oregon_304x171_afp_nocredit.jpg" /></a></div><div class="separator" style="clear: both; text-align: center;">Misawa in northern Japan lost four docks in the tsunami last March. </div><div class="separator" style="clear: both; text-align: center;"><br />
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</div><div style="text-align: justify;">Sumber :</div><div style="text-align: justify;"><a href="http://www.bbc.co.uk/indonesia/bahasa_inggris/2012/06/120607_dwi_uighur_tsunami.shtml">http://www.bbc.co.uk/indonesia/bahasa_inggris/2012/06/120607_dwi_uighur_tsunami.shtml</a></div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-79352498179337214042012-06-15T14:45:00.003+07:002012-06-16T10:34:44.181+07:00Japan's Radiation Phone<div dir="ltr" style="text-align: left;" trbidi="on"><div style="text-align: justify;">Tulisan 4 - Bahasa Inggris Bisnis 2<br />
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<span style="font-size: x-large;">J</span>apanese mobile phones are known for their advanced features – they can be used to swipe through barriers at train stations, watch television, or even measure body fat and tell the user if they have bad breath. </div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Now Softbank, a major mobile network, has launched a handset with a built-in Geiger counter. It has a button that users can press to see how much radiation they are being exposed to. Sales are likely to be driven by widespread fear over the meltdowns at the Fukushima nuclear power station last year. </div><div style="text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZI9cmyB8mWZI8e6q7fsj7oUtz4VyjK_EzPw8GSvGN3Wq7AbrGd8YHndhYR-_4A8WzVaAuUctoQtTzb1u9F5hezOu37rjfrTgDPPAwa6c1s7q0do7LTcme1saIeH2mzgY_Or0Ts758Tq4z/s1600/120601152528_smartphones_304x171_reuters_nocredit.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" pca="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZI9cmyB8mWZI8e6q7fsj7oUtz4VyjK_EzPw8GSvGN3Wq7AbrGd8YHndhYR-_4A8WzVaAuUctoQtTzb1u9F5hezOu37rjfrTgDPPAwa6c1s7q0do7LTcme1saIeH2mzgY_Or0Ts758Tq4z/s1600/120601152528_smartphones_304x171_reuters_nocredit.jpg" /></a></div><div class="separator" style="clear: both; text-align: center;">One of the Japan's mobile networks is planning to launch a phone with a built in radiation monitor. </div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: justify;"><br />
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</div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: justify;">Many Japanese say they don't trust reassurances from the Government and the plant's operator, TEPCO. Sales of conventional Geiger counters have soared and in some places people have clubbed together to buy expensive equipment to check for radiation in food. </div><div style="text-align: justify;"><br />
</div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: justify;">Softbank is yet to announce a price for the radiation-monitoring phone, which will be released in the summer, saying only that it will be affordable.</div><br />
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<a href="http://www.bbc.co.uk/indonesia/bahasa_inggris/2012/06/120604_witn_japan_phone.shtml">http://www.bbc.co.uk/indonesia/bahasa_inggris/2012/06/120604_witn_japan_phone.shtml</a><br />
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</div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-27675823303235454872012-06-15T14:37:00.001+07:002012-06-16T10:31:45.704+07:00Massive new marine reserve of Australia<div dir="ltr" style="text-align: left;" trbidi="on"><div style="text-align: justify;"><span style="font-size: small;">Tulisan 3 - Bahasa Inggris Bisnis 2</span><br />
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<span style="font-size: large;">A</span>ustralia has announced the creation of the world's largest network of protected marine areas, covering 1.7 million km2 of ocean around its coast. </div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span style="font-size: large;">T</span>he move is aimed at conserving marine life and limiting the scope for exploiting oil and natural gas. Australia's Environment Minister, Tony Burke, said the plan was akin to creating an ocean network of national parks.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span style="font-size: large;">T</span>here have been objections from oil and natural gas companies as well as the fishing industry.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span style="font-size: large;">T</span>he move comes as nations gather in Rio de Janeiro for a major UN summit on sustainable development.</div><div style="text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRDFZVwFjKUKbeee5qoU9zmXNpFwFQ0XEpsnAVwr0ANZviiyt-NHJ_dxveAnw9etS1kfW49b0m1lY9xXOCkf6010rQ0SoXuO5Ofs4NCw2iFrZ28gEac5INb3Jr3uRV7a8sYFrfzHP_K37w/s1600/120309105845_great_barrier_reef_304x171_afp.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" pca="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRDFZVwFjKUKbeee5qoU9zmXNpFwFQ0XEpsnAVwr0ANZviiyt-NHJ_dxveAnw9etS1kfW49b0m1lY9xXOCkf6010rQ0SoXuO5Ofs4NCw2iFrZ28gEac5INb3Jr3uRV7a8sYFrfzHP_K37w/s1600/120309105845_great_barrier_reef_304x171_afp.jpg" /></a></div><div class="separator" style="clear: both; text-align: center;">Great Barrier Reef in Australia.</div><br />
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Sumber :<br />
<a href="http://www.bbc.co.uk/indonesia/bahasa_inggris/2012/06/120614_dwi_nokia.shtml">http://www.bbc.co.uk/indonesia/bahasa_inggris/2012/06/120614_dwi_nokia.shtml</a></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-48266840537749049982012-06-15T13:52:00.005+07:002012-06-16T10:27:26.347+07:00Ailing Nokia Faces More Cuts<div dir="ltr" style="text-align: left;" trbidi="on"><div style="text-align: justify;">Tulisan 2 - Bahasa Inggris Bisnis 2<br />
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<span style="font-size: x-large;">T</span>he troubled mobile phone maker, Nokia, has announced another round of massive redundancies.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;">It says it'll be shedding a fifth of its workforce -- 10.000 -- by the end of next year. Nokia said the cuts were necessary to guarantee the future of the company.</div></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">It said it would now be focussing on its most popular products and services.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiR8vLPb-N0vlf5Pt9rmblBMO6at3arvK5Hp93bCbofzXS2J5-U2OuNWEX97X2RHCEv-n3mFrrLvbbma_1yoZNWsSXxizPKvlYlfr8LM-S7_ybXWkoX5PLEiiyK6jlsESZhhtwdQpWLVJMQ/s1600/120228151057_nokia__304x171_bbc_nocredit.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" pca="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiR8vLPb-N0vlf5Pt9rmblBMO6at3arvK5Hp93bCbofzXS2J5-U2OuNWEX97X2RHCEv-n3mFrrLvbbma_1yoZNWsSXxizPKvlYlfr8LM-S7_ybXWkoX5PLEiiyK6jlsESZhhtwdQpWLVJMQ/s1600/120228151057_nokia__304x171_bbc_nocredit.jpg" /></a></div><div class="separator" style="clear: both; text-align: center;"><br />
</div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;">The Finnish company was for a long time the world's largest mobile phone manufacturer, but has been struggling to compete with smartphones made by Samsung and Apple.</div></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><br />
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Sumber :<br />
<a href="http://www.bbc.co.uk/indonesia/bahasa_inggris/2012/06/120614_dwi_nokia.shtml">http://www.bbc.co.uk/indonesia/bahasa_inggris/2012/06/120614_dwi_nokia.shtml</a><br />
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</div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-50271237595424825422012-06-15T13:45:00.000+07:002012-06-15T13:45:54.833+07:00Danger of Smoking in the Morning<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: x-large;">Danger of Smoking in the Morning</span></div>
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<strong>Tulisan 1 - Bahasa Inggris Bisnis 2</strong></div>
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Artikel-bahasainggris.blogspot.com - Smoking in the morning, especially accompanied by a cup of coffee, has become a ritual that hard to break. However, these habits seem to need to be stopped from smoking at the beginning of the day is more dangerous than smoking on the day or night.</div>
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Research shows that smoking after waking up would increase the risk of lung cancer, neck and head. "Morning smokers have high levels of nicotine and other toxins from tobacco in his body. They are also more addicted than smokers who refrained from smoking a half hour or so after waking up," said researcher Joshua Muscat of Penn State College of Medicine.</div>
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To find out why some smokers get cancer and not, Muscat and his team examined the link between cancer risk is there with the habit of first cigarette in the morning.</div>
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The first study involved 4775 patients with lung cancer and 2835 of other smokers without lung cancer. Those who smoke 30 minutes after waking up 1.79 times higher risk of suffering from lung cancer than those who waited more than 60 minutes. Meanwhile, those who smoked 31-60 minutes after waking up had 1.31 times the risk compared to those who wait at least an hour.</div>
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The second study involved 1055 people with brain and neck cancer and 795 people who smoked but did not suffer brain and neck cancer. Those who smoked within 30 minutes when you wake up 1.59 times the risk of brain and neck cancer compared with those who waited an hour.</div>
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The risk of smokers who smoked 31-60 minutes after waking up 1.42 times than those who wait at least an hour.</div>
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Sumber : <a href="http://artikel-bahasainggris.blogspot.com/2011/08/danger-of-smoking-in-morning.html">http://artikel-bahasainggris.blogspot.com/2011/08/danger-of-smoking-in-morning.html</a></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-39499716987247188972012-05-09T13:26:00.002+07:002012-05-09T13:48:01.850+07:00Adjective or Relative Pronoun<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span style="font-family: Arial, Helvetica, sans-serif;">1. <span style="background-color: white; color: #333333; line-height: 18px;">Theories about adjective clauses</span></span></b></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">"A relative clause is another name for an adjective clause. This is because both perform a function similar to an adjective in a sentence--they add information to a noun.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><b>There are two types of relative/adjective clauses: restrictive and nonrestrictive.</b></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><b>Restrictive Clauses</b></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">"I want a car that is red."</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">In this sentence, the relative clause "that is red" answers the question, "Which car do you want?" or "What kind of car do you want?" Because it answers this question, it is a restrictive relative clause.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><b>Nonrestrictive Clause</b></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">"My mother, who lives in Kansas City, is 62."</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">In this sentence, the relative clause "who lives in Kansas City" does not answer the question, "Which one?". Instead, it gives extra information. Because it gives extra information, it is a nonrestrictive relative clause.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><b>Recognize an adjective clause when you see one.</b></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">An adjective clause—also called an adjectival or relative clause—will meet three requirements:</span></div>
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<li style="text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;">First, it will contain a subject and verb.</span></li>
<li style="text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;">Next, it will begin with a relative pronoun [who, whom, whose, that, or which] or arelative adverb [when, where, or why].</span></li>
<li style="text-align: justify;"><span style="font-family: Arial, Helvetica, sans-serif;">Finally, it will function as an adjective, answering the questions What kind? How many? or Which one?</span></li>
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<span style="font-family: Arial, Helvetica, sans-serif;">The adjective clause will follow one of these two patterns:</span></div>
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<span style="line-height: 16px;"><b><span style="font-family: Arial, Helvetica, sans-serif; font-size: large;">Here are some examples Relative Pronoun :</span></b></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"><b>* Who : used for humans in subject position</b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> Who hiccupped for seven hours after ward</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> Who = relative pronoun functioning as subject; hiccupped = verb.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"><b>* Which : used for things and animals in subject or object position (objects of verbs and prepositions)</b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> - Marike has a dog which follows her everywhere. </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> - The chair which he broke is being repaired.(verb object)</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> - She was wearing the coat for which she had paid $2,00. (preposition object). </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"><b>* Whose : used for humans, animalsi or objects to give information about their possessions</b></span></div>
<span style="font-family: Arial, Helvetica, sans-serif;"> Whose big, brown eyes pleaded for another cookie</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> Whose = relative pronoun; eyes = subject; pleaded = verb.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"><b>* Whom : used for humans in object position (Object and verb object preposition)</b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> - Marike, whom Hans knows well, is an interior decorator.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> - He paid the man whom/that he had hired. (verb object)</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> - He paid the man from whom he had borrowed the money. (preposition object)</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> </span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><b>* When : used for time (Liaison word used to describe the time)</b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> - My baby was born in the year when I moved to Italy.</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> - This is the year whenthe Olympic Games are held.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"><b>* Where : used for places (Liaison word that is used to place)</b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> - The hotel where we stayed last summer was very beautiful.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"><b>* Why Fred cannot stand sitting across from his sister Melanie</b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> Why = relative adverb; Fred = subject; can stand = verb [not, an adverb, is not officially part of the verb].</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"><b>* That : used for humans, animals and things, in subject or object position </b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> That bounced across the kitchen floor</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> That = relative pronoun functioning as subject; bounced = verb.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large; line-height: 16px; text-align: justify;"><b>2. Example adjective clause: </b></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 16px; text-align: justify;">Adjectives modify nouns and pronouns, giving a description or more information. An adjective clause is simply a group of words with a subject and a verb that provide a description. The clause starts with a pronoun such as who, whom, that, or which or an adverb such as when, where and why.</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"><b>Here are several examples of sentences with the adjective clauses underlined :</b></span></div>
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<li><span style="font-family: Arial, Helvetica, sans-serif;">Pizza, <u>which most people love</u>, is not very healthy.</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">The people <u>whose names are on the list</u> will go to camp.</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Grandpa remembers the old days <u>when there was no television.</u> </span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Fruit <u>that is grown organically</u> is expensive.</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Students <u>who are intelligent</u> get good grades.</span></li>
<li><span style="font-family: Arial, Helvetica, sans-serif;">Eco-friendly cars <u>that run on electricity</u> save gas.</span></li>
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><span style="line-height: 21px;"><b>3. The article containing the adjective clause (underline):</b></span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px; text-align: justify;">Once upon a time there was a prosperous village in a far away island called Sumatra. In northern part of the island, <u><b>lived a farmer whose name was Toba</b></u>. He lived alone in a hut by a small forest. He worked on his farmland to grow rice and vegetables that he sells to local market. Once day he wanted to catch some fish so he went to a river and fished there. <b><u>He was very surprised when he got a big fish</u></b>. The fish was as big as human being. Soon he went home and put the fish in his kitchen. He planned to cook the fish for his dinner that night. <u><b>When he got to his house that afternoon he took a bath</b></u>. Then as he walked into his bedroom after taking a bath Toba was very shocked. Do you want to know what happened?</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">There stood in his living room a very beautiful girl. The girl greeted him nicely. For a moment Toba was speechless. When he could control his emotion he asked her.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘Who are you? What’s your name? Why suddenly you are here in my house?’</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘Pardon me if I surprised you Mr. Toba, but you took me here. I was the fish that you caught in the river. Now that I become a human being again, I would like to thank you and I will be your servant to express my thankfulness’</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘Were you the fish?’</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘Yes, I was the fish. Look at your kitchen’.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">Toba immediately rushed to his kitchen and the fish was nowhere to be seen. He saw some gold coins instead.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘Whose coins are these? Why there are some coins here?’</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘Those coins are mine. As I changed into human being my scales changed into gold coins’</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘Ok you can live here and work for me. Your room is over there’</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘Thank you very much Mr. Toba’</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;"><u><b>Since that day the beautiful girl lived in Toba’s house</b></u>. Since she was very beautiful Toba fell in love with her and not long after that they got married. The girl married to Toba on one condition that he would never tell anybody about her past. Toba agreed to the condition. Several months later Toba’s wife delivered to a baby boy. Their son was healthy. Soon he grew up into a handsome boy. Toba named him Samosir. Unfortunately Samosir was a lazy boy. He did not want to work at all. When his father worked hard in his rice field and farm, Samosir just slept. <u><b>When he was awake he talked a lot and he ate a lot</b></u>. Toba was very disappointed with his son’s nature. <u><b>He hoped that one day Samosir would change into a diligent boy</b></u>. Day in and day out but Samosir never changed.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">Toba used to go to his farm and rice field early in the morning. Then at midday his wife would bring him food. They used to eat lunch at their farm. As he was a teenager Toba and his wife tried to change his behavior. They ordered Samosir to bring food for his father for lunch while her mother stayed at home to do household chores. But Samosir never did his duty well. He always woke up very late. He woke up after midday. Then one day his mother forced him to bring the food.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘Sam, wake up. Go to the farm and bring the food for your father. He must be very tired and hungry now’.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">But Mom, I am tired and hungry too’</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘What makes you tired? You just wake up. Go now. You father needs the food’</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">Toba reluctantly went to the farm. But he did not go to the farm immediately. He stopped somewhere in the street and ate the food. It was already late afternoon when he got to the farm. His father was disappointed. Then he was angry as he realized that his son had eaten his food. He said sarcastically.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘O, you are stupid lazy boy. You are son of a fish!’</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">Samosir was hurt. He went home right away and as he got home he told his mother about his father’s words. Samosir’s mother was shocked. She was also deeply hurt.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘O Toba. You break your promise so I cannot live with you here anymore. Now you have to accept to consequence of what you did. Samosir, now go to the hill, find the tallest tree and climb it’</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘Why mom? What will happen?’</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">‘Just do it, never ask any question. Good bye’</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">As soon as she finished saying that suddenly the weather changed. Sunny day suddenly turned into cloudy day. Not long after that the rain poured heavily. The rain last for several days. Consequently the area was flooded. The whole area became a big lake. Then it was called Lake Toba and in the middle of the lake there is an island called Samosir Island. Meanwhile Toba’s wife disappeared.</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; line-height: 18px;">Lake Toba is located in the province of North Sumatra, Indonesia. Today it becomes a tourist destination</span></div>
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<span style="font-family: Arial, Helvetica, sans-serif; font-size: large;"><b>4. Exercises:</b></span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"> <b> Q. I talked to the woman she was sitting next to me</b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> A. I talked to the woman who was sitting next to me </span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"> <b>Q. I have a class it begins at 08.00 Am</b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> A. I have a class which begins at 08.00 Am</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"> <b>Q. The man called the police his car was stolen</b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> A. The man whose car was stolen called the police</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"> <b>Q. The building is very old he lives there</b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> A. The building where he lives is very old</span><br />
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<span style="font-family: Arial, Helvetica, sans-serif;"> <b>Q. The woman was ms Silvy I saw her</b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"> A. The woman whom I saw was ms Silvy</span><br />
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<span style="font-family: Times, 'Times New Roman', serif;"><span style="line-height: 21px;">Refferensi :</span></span><br />
<span style="font-family: Times, 'Times New Roman', serif; line-height: 21px;"></span><br />
<span style="color: #9fc5e8; font-family: Times, 'Times New Roman', serif; line-height: 21px;">http://faiz06.blogspot.com/2012/05/adjective-or-relative-clauses.html</span><br />
<span style="color: #9fc5e8; font-family: Times, 'Times New Roman', serif; line-height: 21px;">http://www.chompchomp.com/terms/adjectiveclause.htm</span><br />
<span style="color: #9fc5e8;"><span style="font-family: Times, 'Times New Roman', serif; line-height: 21px;">http://wiki.answers.com/Q/What_is_the_difference_between_the_relative_clause_and_</span><span style="font-family: Times, 'Times New Roman', serif; line-height: 21px;">the_adjective_clause</span></span><br />
<span style="color: #9fc5e8; font-family: Times, 'Times New Roman', serif; line-height: 21px;">http://gustiayumade.wordpress.com/2012/03/07/relative-clause-adjective-clause/</span><br />
<span style="color: #9fc5e8; font-family: Times, 'Times New Roman', serif; line-height: 21px;">http://examples.yourdictionary.com/example-adjective-clauses.html</span></div>
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<span style="color: #6fa8dc;"><a href="https://docs.google.com/viewer?url=http://kafeilmu.com/wp-content/uploads/2012/03/Kumpulan-cerita-lucu-singkat-bahasa-inggris-anak-anak.pdf&chrome=true">https://docs.google.com/viewer?url=http://kafeilmu.com/wp-content/uploads/2012/03/Kumpulan-cerita-lucu-singkat-bahasa-inggris-anak-anak.pdf&chrome=true</a>
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<br /></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-83418055801026592932012-04-07T14:43:00.003+07:002012-04-07T14:50:19.824+07:00Example Artikel of the Use of Passive Voice<div dir="ltr" style="text-align: left;" trbidi="on"><div style="text-align: center;"><span style="font-size: x-large;"><b>The Legend of Malin Kundang</b></span><br />
</div><div style="text-align: justify;"></div><div style="text-align: justify;">Once upon a time, on the north coast of Sumatra lived a poor woman and his son. The boy<u><b> was called </b></u><u><b>(</b><i>Passive Voice Simple Past Tense</i><b>) </b></u>Malin Kundang<u><b> </b><b></b></u>. They didn’t earn much as fishing was their only source of income. Malin Kundang grew up as a skillful young boy. He always helps his mother to earn some money. However, as <u><b>they were </b></u><u><b>(</b></u><i>Passive Voice Simple Past Tense</i><u><b>)</b></u>only fisherman’s helper, they still lived in poverty. “Mother, what if I sail overseas?” asked Malin Kundang one day to his mother. Her mother didn’t agree but Malin Kundang had made up his mind. “Mother, if I stay here, I’ll always be a poor man. I want to be a successful person,” urged Malin kundang. His mother wiped her tears, “If you really want to go, I can’t stop you. I could only pray to God for you to gain success in life,” said his mother wisely. “But, promise me, you’ll come home.”<br />
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In the next morning, Malin Kundang was ready to go. Three days ago, he met one of the successful ship’s crew. Malin was offered to join him. “Take a good care of yourself, son,” said Malin Kundang’s mother as she gave him some food supplies. “Yes, Mother,” Malin Kundang said. “You too have to take a good care of yourself. I’ll keep in touch with you,” he continued before kissing his mother’s hand. Before Malin stepped onto the ship, Malin’s mother hugged him tight as if she didn’t want to let him go.<br />
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It <u><b>had been</b></u> (<u><i>Passive Voice </i></u><i><b style="font-weight: normal;">Past Perfect Tense</b></i>) three months since Malin Kundang left his mother. As his mother had predicted before, he hadn’t contacted her yet. Every morning, she stood on the pier. She wished to see the ship that brought Malin kundang home. Every day and night, she prayed to the God for her son’s safety. <u><b> There was (</b></u><b><i style="font-weight: normal;">Passive Voice simple past tense</i>)</b> so much prayer that <b><u>had been</u></b> (<u><i>Passive Voice </i></u><i><b style="font-weight: normal;">Past Perfect Tense</b></i>) said due to her deep love for Malin Kundang. Even though it’s been a year she had not heard any news from Malin Kundang, she kept waiting and praying for him.<br />
<br />
After several years waiting without any news, Malin Kundang’s mother <b><u>was</u></b> <u><b>(</b></u><b><i style="font-weight: normal;">Passive Voice simple past tense</i>)</b> suddenly surprised by the arrival of a big ship in the pier where she usually stood to wait for her son. When the ship finally pulled over, Malin Kundang’s mother saw a man who looked wealthy stepping down a ladder along with a beautiful woman. She could not be wrong. Her blurry eyes still easily recognized him. The man <u><b>was</b></u><u><b>(</b></u><b><i style="font-weight: normal;">Passive Voice simple past tense</i>)</b> Malin Kundang, her son.<br />
<br />
Malin Kundang’s mother quickly went to see her beloved son. “Malin, you’re back, son!” said Malin Kundang’s mother and without hesitation, she came running to hug Malin Kundang, “I miss you so much.” But, Malin Kundang didn’t show any respond. He <u><b>was</b></u> <u><b>(</b></u><b><i style="font-weight: normal;">Passive Voice simple past tense</i>)</b> ashamed to admit his own mother in front of his beautiful wife. “You’re not my Mother. I don’t know you. My mother would never wear such ragged and ugly clothes,” said Malin Kundang as he release his mother embrace.<br />
<br />
Malin Kundang’s mother take a step back, “Malin…You don’t recognize me? I’m your mother!” she said sadly. Malin Kundang’s face <u><b>was </b></u><u><b>(</b></u><b><i style="font-weight: normal;">Passive Voice simple past tense</i>) </b>as cold as ice. “Guard, take this old women out of here,” Malin Kundang ordered his bodyguard. “Give her some money so she won’t disturb me again!” Malin Kundang’s mother cried as <u><b>she was</b></u> <u><b>(</b></u><b><i style="font-weight: normal;">Passive Voice simple past tense</i>) </b>dragged by the bodyguard, ”Malin… my son. Why do you treat your own mother like this?”<br />
<br />
Malin Kundang ignored his mother and ordered the ship crews to set sail. Malin Kundang’s mother sat alone in the pier. Her heart <u><b>was</b></u><u><b>(</b></u><b><i style="font-weight: normal;">Passive Voice simple past tense</i>) </b>so hurt, she cried and cried. “Dear God, if he isn’t my son, please let him have a save journey. But if he is, I cursed him to become a stone,” she prayed to the God.<br />
<br />
In the quiet sea, suddenly the wind blew so hard and a thunderstorm came. Malin Kundang’s huge ship <u><b>was</b></u><u><b>(</b></u><b><i style="font-weight: normal;">Passive Voice simple past tense</i>)</b> wrecked. He <u><b>was</b></u><u><b>(</b></u><b><i style="font-weight: normal;">Passive Voice simple past tense</i>) </b>thrown by the wave out of his ship, and fell on a small island. Suddenly, his whole body turned into stone. He <u><b>was</b></u><u><b>(</b></u><b><i style="font-weight: normal;">Passive Voice simple past tense</i>) </b>punished for not admitting his own mother.*** (sources: http://ceritarakyat.50webs.com)</div><div style="text-align: justify;"></div><div style="text-align: justify;">Refferensi :</div><div style="text-align: justify;">http://penggunaantensesgrammarbahasainggris.blogspot.com/2012/02/legenda-malin-kundang-bahasa-inggris.html</div><div style="text-align: justify;"></div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com2tag:blogger.com,1999:blog-7598156458727071706.post-14288845550463285492012-04-06T23:50:00.001+07:002019-01-30T23:05:17.627+07:00Curly Hair Care Tips<div dir="ltr" style="text-align: left;" trbidi="on"><br />
</div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-38703962158354693142012-04-02T22:33:00.003+07:002012-04-02T22:45:09.978+07:00Tugas 2 : Bahasa Inggris Bisnis2 Active and Passive Voice<div dir="ltr" style="text-align: left;" trbidi="on"><span class="" id="result_box" lang="en"><span class="hps"><span style="font-size: large;"><b>Active Voice</b></span></span></span><br />
<div style="text-align: justify;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVhYrNP2-66h3DS-pC_8cVr6p5lErvjzb6Fpp42U-wdfr1IKXjXiABa1NRn4DLLmwn0gMbTPa1X1KhEaruxE9Rgjs-VyhiHiajlZBEEUMWcMKy4lyf8JroiowZ7kq2fOXJ2MqnL9yaNTDK/s1600/3.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><br />
</a></div><span class="" id="result_box" lang="en"><span class="hps">Active</span> <span class="hps">Voice</span> <span class="hps">sentences</span> <span class="hps">The subject</span> <span class="hps">is</span> <span class="hps">doing</span> <span class="hps">something or</span> <span class="hps">doing</span> <span class="hps">any work</span> <span class="hps">described</span> <span class="hps">by the</span> <span class="hps">predicate</span> <span class="hps">and</span> <span class="hps">object.</span></span><span style="font-family: inherit; font-size: small;"><span style="color: black;"> </span></span><b>[Thing doing action] + [verb] + [thing receiving action]</b></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span style="font-family: inherit; font-size: small;"><span style="color: black;">Active Voice</span><span style="color: black;"> – indicates that the subject of the verb is acting</span></span><span class="" id="result_box" lang="en"><span class="hps"><span style="font-family: inherit; font-size: small;"><span style="color: black;">.</span></span></span></span><span style="font-size: small;"> Because the subject does or "acts upon" the verb in such sentences, the sentences are said to be in the <span style="font-style: italic;">active voice</span>.</span></div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><b><span style="font-size: small;">Examples :</span></b></div><ul style="text-align: left;"><li><span style="font-size: small;">She <b>calls</b> Billy </span><b><span style="font-size: small;"> </span></b></li>
<li><span style="font-size: small;">He <b>is palying</b> football in the yard</span></li>
<li><span style="font-size: small;">I <b>have made</b> a cake this morning</span> </li>
</ul><span style="font-size: small;"></span><br />
<div><ul style="text-align: left;"><li><span style="font-size: small;">The dog jumped onto the boy.</span><span style="font-size: small;"><span style="color: black;"></span> </span></li>
</ul><span style="font-size: small;"><span style="font-style: italic;"> <span style="color: red;"> The dog (subject) is doing the jumping (verb).</span></span></span><br />
<div style="font-family: inherit; text-align: left;"><span style="font-size: small;"><span style="color: black;"> </span></span></div><div style="color: black; font-family: inherit; margin-bottom: 0pt; margin-left: 1.09in; margin-top: 5.76pt; text-align: left; text-indent: -0.25in; unicode-bidi: embed;"><span style="font-size: small;"><span style="font-style: italic;"> </span></span></div><ul style="text-align: left;"><li><span style="font-size: small;"><span style="color: black;"></span>Kristy will give a book report to the class.</span><span style="font-size: small;"><span style="color: black;"></span></span></li>
</ul><span style="font-size: small;"><span style="font-style: italic;"> </span><span style="color: red; font-style: italic;">Kristy (subject) is doing the giving (verb).</span></span><br />
<ul style="text-align: left;"><li><span style="font-size: small;">The computer ate my paper.</span></li>
</ul><span style="font-size: small;"><span style="font-style: italic;"> <span style="color: red;"> The computer (subject) is doing the eating (verb).</span></span></span><br />
<span style="font-size: small;"><span style="font-style: italic;"><br />
</span></span><br />
<span class="" id="result_box" lang="en"><span class="hps"><span style="font-size: large;"><b>Pasif Voice</b></span></span></span><br />
<span class="" id="result_box" lang="en"><span class="hps">Passive</span> <span class="hps">Voice</span> <span class="hps">is a sentence that</span> <span class="hps">the subject</span> <span class="hps">is</span> <span class="hps">a</span> <span class="hps">job</span> <span class="hps">or</span> <span class="hps">suffer</span> <span class="hps">something. </span></span><b> </b><br />
<b>[Thing receiving action] + [be] + [past participle of verb] + [by] + [thing doing action]</b><br />
<br />
<span class="" id="result_box" lang="en"><span class="hps">Examples :</span></span><br />
<ul style="text-align: left;"><li><span class="" id="result_box" lang="en"><span class="hps">She <b>is called</b> by mother</span></span></li>
<li><span class="" id="result_box" lang="en"><span class="hps">An elephant <b>was killed</b> by the hunter</span></span><span class="" id="result_box" lang="en"><span class="hps"> </span></span><span class="" id="result_box" lang="en"><span class="hps"><span style="font-size: large;"><b> </b></span></span></span></li>
</ul></div><div style="text-align: justify;"><span class="" id="result_box" lang="en"><span class="hps">In the first sentence</span>, <b><span class="hps">she</span></b> <span class="hps">is</span> <span class="hps">a job</span> <span class="hps">that is</span> <b><span class="hps">called</span></b>, <span class="hps">whereas in</span> <span class="hps">the second sentence of</span> <b><span class="hps">an</span> <span class="hps">elephant</span></b> <span class="hps">suffering from</span> <span class="hps">something</span> <span class="hps">that is</span> <b><span class="hps">killed.</span></b></span></div><div style="text-align: justify;"><ul><li><span style="font-size: small;">In a <span style="font-weight: bold;">passive voice sentence</span><span style="font-weight: bold;">, </span>the subject and object flip-flop. The subject becomes the passive recipient of the action.</span><span style="font-size: small;"> </span></li>
<li><span style="font-size: small;">Because the subject is being "acted upon" (or is <span style="font-style: italic;">passive</span>), such sentences are said to be in the <span style="font-weight: bold;">passive voice</span>.</span><span style="font-family: inherit; font-size: small;"><span style="color: black;"> </span></span></li>
</ul><ul style="text-align: left;"><li><span style="font-size: small;">These examples show the subject being acted upon by the verb. </span></li>
</ul><span style="font-family: inherit; font-size: small;"><span style="color: black;"></span></span><br />
<ul style="text-align: left;"><li><span style="font-size: small;">The boy was jumped on by the dog. </span></li>
</ul><span style="font-family: inherit; font-size: small;"><span style="color: black;"> </span></span><br />
<div class="O1" style="color: red; direction: ltr; font-family: inherit; margin-bottom: 0pt; margin-left: 0.81in; margin-top: 6.24pt; text-align: left; text-indent: -0.31in; unicode-bidi: embed; vertical-align: baseline;"><span style="font-size: small;"><span style="font-style: italic;">Boy (</span><span style="font-style: italic;">subject</span><span style="font-style: italic;">) was being jumped on (</span><span style="font-style: italic;">verb</span><span style="font-style: italic;">)</span></span></div><span style="font-family: inherit; font-size: small;"><span style="color: black;"></span></span><br />
<ul style="text-align: left;"><li><span style="font-size: small;">A book report will be given by Kristy to the class.</span></li>
</ul><span style="font-family: inherit; font-size: small;"><span style="color: black;"> </span></span><br />
<div class="O1" style="color: red; direction: ltr; font-family: inherit; margin-bottom: 0pt; margin-left: 0.81in; margin-top: 6.24pt; text-align: left; text-indent: -0.31in; unicode-bidi: embed; vertical-align: baseline;"><span style="font-size: small;"><span style="font-style: italic;">Report (</span><span style="font-style: italic;">subject</span><span style="font-style: italic;">) will be given (</span><span style="font-style: italic;">verb</span><span style="font-style: italic;">).</span></span></div><span style="font-family: inherit; font-size: small;"><span style="color: black;"></span></span><br />
<ul style="text-align: left;"><li><span style="font-size: small;">My paper was eaten by the computer. </span></li>
</ul><span style="font-family: inherit; font-size: small;"><span style="color: black;"> </span></span><br />
<div class="O1" style="color: red; direction: ltr; font-family: inherit; margin-bottom: 0pt; margin-left: 0.81in; margin-top: 6.24pt; text-align: left; text-indent: -0.31in; unicode-bidi: embed; vertical-align: baseline;"><span style="font-size: small;"><span style="font-style: italic;">Paper (</span><span style="font-style: italic;">subject</span><span style="font-style: italic;">) was being eaten (</span><span style="font-style: italic;">verb</span><span style="font-style: italic;">).</span></span></div><div class="O1" style="color: black; font-family: inherit; margin-bottom: 0pt; margin-left: 0.81in; margin-top: 6.24pt; text-align: left; text-indent: -0.31in; unicode-bidi: embed; vertical-align: baseline;"><span style="font-size: small;"><span style="font-style: italic;"> </span><b> </b></span></div><div class="O1" style="color: red; font-family: inherit; margin-bottom: 0pt; margin-left: 0.81in; margin-top: 6.24pt; text-align: center; text-indent: -0.31in; unicode-bidi: embed; vertical-align: baseline;"><span style="font-size: large;"><b>Difference between Passive Voice and Past Tense</b></span></div><span style="font-size: small;">Many people confuse the passive voice with the past tense. The most common passive constructions also happen to be past tense (e.g. “I’ve been framed”), but “voice” has to do with who, while “tense” has to do with when. </span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR9ijqUUP6GkmZjGEZMXwsFXn0PCRJfhPAvk_bcOFetHywR6y0_RXBau9j8Bje8tigBqpJgd1nuUsVlKmMtQQN0Qzkhp_jGb_4MpgCOFU_SjvlWssivMpE4oIPahlgSYEJdzqhgYggNvrW/s1600/past.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="120" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR9ijqUUP6GkmZjGEZMXwsFXn0PCRJfhPAvk_bcOFetHywR6y0_RXBau9j8Bje8tigBqpJgd1nuUsVlKmMtQQN0Qzkhp_jGb_4MpgCOFU_SjvlWssivMpE4oIPahlgSYEJdzqhgYggNvrW/s400/past.JPG" width="400" /></a></div><div style="text-align: justify;"><span style="font-size: small;"><span style="font-style: italic;"></span></span></div><div style="text-align: justify;"><span style="color: #ffff99;"> </span> <br />
<h3 align="center" style="color: red; font-family: inherit;"><span style="font-size: small;">ACTIVE AND PASSIVE TENSES CHART</span></h3><span style="font-size: small;"><span style="font-style: italic;"></span></span><span style="font-family: inherit; font-size: small;"><span style="color: black; letter-spacing: -1pt;"><br />
</span></span><br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2Alsfa5bgVi8CgpTQaE_U8TD3t83-ozcExWNaARQmxIiCU_0-bwUGcbQ_uXFUgLGePw7QiNfPr0ldTQtXdC1BsWmgqQx4HGfaLIAtIHY-II00aITVAhzvVo6nBmZnwY0GZFOlwvMEjWt2/s1600/1.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="403" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2Alsfa5bgVi8CgpTQaE_U8TD3t83-ozcExWNaARQmxIiCU_0-bwUGcbQ_uXFUgLGePw7QiNfPr0ldTQtXdC1BsWmgqQx4HGfaLIAtIHY-II00aITVAhzvVo6nBmZnwY0GZFOlwvMEjWt2/s640/1.JPG" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjesZ_xYoTQnpoDCr2r3waXx4DDC8LvpdJvlVoS1uculJII_SxvQd99mpojTJjOG4_JdTpj2uCCAcC2WQYjyPBzYNcCjvl4kO_X3-w0nP2NMnuc1YBZczrLwhIM5O1XzJPPI8Ms3ntVvZsX/s1600/2.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="404" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjesZ_xYoTQnpoDCr2r3waXx4DDC8LvpdJvlVoS1uculJII_SxvQd99mpojTJjOG4_JdTpj2uCCAcC2WQYjyPBzYNcCjvl4kO_X3-w0nP2NMnuc1YBZczrLwhIM5O1XzJPPI8Ms3ntVvZsX/s640/2.JPG" width="640" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVhYrNP2-66h3DS-pC_8cVr6p5lErvjzb6Fpp42U-wdfr1IKXjXiABa1NRn4DLLmwn0gMbTPa1X1KhEaruxE9Rgjs-VyhiHiajlZBEEUMWcMKy4lyf8JroiowZ7kq2fOXJ2MqnL9yaNTDK/s1600/3.JPG" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="481" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVhYrNP2-66h3DS-pC_8cVr6p5lErvjzb6Fpp42U-wdfr1IKXjXiABa1NRn4DLLmwn0gMbTPa1X1KhEaruxE9Rgjs-VyhiHiajlZBEEUMWcMKy4lyf8JroiowZ7kq2fOXJ2MqnL9yaNTDK/s640/3.JPG" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg9r1MNmsW4sE0Xz_kbgALGVt_w5Y9gzf5rSZ_V75tqPUVzD17YRdGAyy1X5NicWDclNFy0VaRt9OWFK_Zlj4n_ZRMjAtkKfJH0kSMa8R87u3Oy7UOUOWvAyqbAGt2dtmEUwyCsRlh5VEwL/s1600/4.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="352" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg9r1MNmsW4sE0Xz_kbgALGVt_w5Y9gzf5rSZ_V75tqPUVzD17YRdGAyy1X5NicWDclNFy0VaRt9OWFK_Zlj4n_ZRMjAtkKfJH0kSMa8R87u3Oy7UOUOWvAyqbAGt2dtmEUwyCsRlh5VEwL/s640/4.JPG" width="640" /></a></div><h3 style="font-family: inherit; text-align: justify;"><span style="font-size: small;"><span style="font-size: x-small;">Refferensi :</span></span></h3><h3 style="font-family: inherit; font-weight: normal; text-align: justify;"><span style="font-size: small;"><i>http://english-zone.com/verbs/pssvchrt.html</i></span></h3><h3 style="font-family: inherit; font-weight: normal; text-align: justify;"><span style="font-size: small;"><i>http://www.google.co.id/url?sa=t&rct=j&q=active+dan+passive+voice&source=web&cd=15&ved=0CEUQFjAEOAo&url=http%3A%2F%2Fwww.foothillhigh.org%2Fourpages%2Fauto%2F2008%2F8%2F27%2F1219814653834%2F02k-ActiveandPassiveVoiceOffice2003.ppt&ei=yl95T6_8I5DwrQeG1aGYDQ&usg=AFQjCNGKTT5TzchlsgrhKPm17c1_SThfiQ&cad=rja<br />
<br />
<br />
http://jerz.setonhill.edu/writing/grammar-and-syntax/active-and-passive-verbs/</i></span></h3><h3 style="font-family: inherit; font-weight: normal; text-align: justify;"><span style="font-size: small;"><i>Buku Complete Eng lish Grammar Special Edition - Mr.George Wilkinson, Drs. Dony Hariyanto</i></span></h3><h3 style="font-weight: normal; text-align: justify;"><i><span style="font-size: small;"><span style="font-size: x-small;"> </span></span></i></h3><h3 style="text-align: justify;"><span style="font-size: small;"><span style="font-size: x-small; font-weight: normal;"> </span></span></h3><div class="O1" style="color: black; direction: ltr; font-family: inherit; margin-bottom: 0pt; margin-left: 0.81in; margin-top: 6.24pt; text-align: left; text-indent: -0.31in; unicode-bidi: embed; vertical-align: baseline;"><span style="font-size: small;"><span style="font-style: italic;"><br />
</span></span></div><span style="font-family: inherit; font-size: small;"><span style="color: black;"> </span></span><span style="color: black; font-family: inherit; font-size: small;"> </span></div><div style="text-align: justify;"><br />
<span class="" id="result_box" lang="en"><b><span class="hps"></span></b></span></div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-83272483324206564562012-03-14T18:56:00.000+07:002012-03-14T18:56:28.155+07:00Subject Verb Agreement<div dir="ltr" style="text-align: left;" trbidi="on"><div style="text-align: justify;">Subject verb agreement is where the subject and the verb in the sentence go well with each other to where the sentence makes sense. For example: Sally runs on the street. <br />
The subject is sally and the verb is run. They agree with each other. <br />
_____ <br />
In addition: In the sentence "The girls runs in the playground" the subject and the verb do not agree in number. girls is a plural word, and runs is a singular form of the verb. For the subject and verb to agree, you would have to say "The girls run in the playground" or The girl runs in the playground. The subject and verb must agree in number and in person (see next paragraph). <br />
<br />
Sometimes the relationship is a little trickier to find. In the question "How do the president enact laws?" changing the question into a statement will help. "The president do enact laws". President is third person singular, and 'do' is not third person singular. You would have to say "The president does enact laws" or The presidents do enact laws". Subjects and verbs must also agree in person. In question form, it becomes "How does the president enact laws?" <br />
<br />
To run <br />
<br />
Singular: <br />
I run <br />
You run <br />
He, she, it, or Sally runs <br />
<br />
Plural: <br />
We run <br />
You run <br />
They, or the girls run <br />
<br />
To do <br />
<br />
Singular: <br />
I do <br />
You do <br />
He, she, it, or the president does <br />
<br />
Plural: <br />
We do <br />
You do <br />
They, or the presidents do</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">In a sentence, the subject is the person, place, thing, or idea that is being talked about. The verb describes what the subject is doing. For a sentence to be grammatically correct, its subject and verb must agree in number. if the subject is singular, the verb must be singular. if the subject plural, the verb must be plural. </div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Examples : The mother questions her son. [The subject, mother, and the verb, question, are both singular]</div><div style="text-align: justify;"> The hounds were sick. [The subject, hounds, and the verb, were, are both plural]</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">The plural of most English nouns is formed by adding -s or -es to the end of the noun-raven, ravens; field,fields;dress,dresses. Some nouns from their plurals in an irregular way-knife,knives;man,men;sheep,sheep. There is more than one way of formating the plural of some nounds-for instance, bear or bears is the plural of bear; and hippopatamuses or hippopotami is the plural of hippopotamus. if you are confused, consult a dictionary for the plural and singular forms or words. </div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">A verb ending in -s or -es is singular. if a verb has a helping verb (a form of the verb to be), the helping verb will agree with the subject. Here are some helping verbs and the pronouns they are with : </div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Singular : Iam; he (she,it) is; I (he,she,it) was; he (she,it) has been </div><div style="text-align: justify;">Plural : we are, they are; we (they) were; they have been </div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Two or more subjects joined by and take a plural verb, even if each subject is singular. Singular subject joined by or nor take a singular verb. if a singular and a pular subject are joined by or or nor, the verb agrees with the nearer subject. </div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Examples : The lady and the maidens cry for the slain knight. [plural]</div><div style="text-align: justify;">The lady or the maiden cries for the slain knight. [singular]</div><div style="text-align: justify;">The lady or the maindens cry for the slain knight. [plural]</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"> An indefinite pronoun is a pronoun that refers to a person, place, thing, or idea that is not specifically named. Indefinite pronouns can be singular or plural and take a singular or plural verb. The following chart provider simple rules for indefinite pronoun-verb agreement. </div><div style="text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVYn5gWGmy_QKanEpCNDrA836Mb_a5h6QPAx1_C_MK579G5N1TYpVAEJG5kj5RCIrSmQLiIcXUxShiA4a2cKhCRMHeS43nF1AR_eOzsJodVSMC_tYFAyAWvRZaHQ1P51aQAQD0CPN7o5T7/s1600/untitled.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="171" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiVYn5gWGmy_QKanEpCNDrA836Mb_a5h6QPAx1_C_MK579G5N1TYpVAEJG5kj5RCIrSmQLiIcXUxShiA4a2cKhCRMHeS43nF1AR_eOzsJodVSMC_tYFAyAWvRZaHQ1P51aQAQD0CPN7o5T7/s320/untitled.JPG" width="320" /> </a></div><div class="separator" style="clear: both; text-align: center;"><br />
</div><div class="separator" style="clear: both; text-align: justify;">Collection nouns can also be singular or plural and take a singular or plural verb. A collective noun is singular in form but names a group of persons or things. Following are examples of collective nouns </div><div class="separator" style="clear: both; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: justify;">assembly audience band class</div><div class="separator" style="clear: both; text-align: justify;">couple crowd family group</div><div class="separator" style="clear: both; text-align: justify;">number pack public team</div><div class="separator" style="clear: both; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: justify;">If a collective noun refers to an entire group as a unit, it is singular. if a collective noun refers to the parts or individual members of a group, it is plural. </div><div class="separator" style="clear: both; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: justify;">Singular : The <b>band</b> of pilgrims is headed toward Canterbury </div><div class="separator" style="clear: both; text-align: justify;">[Band refers to the entire group]</div><div class="separator" style="clear: both; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: justify;">Plural : The <b>band disagre</b>e about purchasing a relic </div><div class="separator" style="clear: both; text-align: justify;">[Band refers to individuals in the group]</div><div class="separator" style="clear: both; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: justify;">EXAMPLE : </div><div class="separator" style="clear: both; text-align: justify;"><br />
</div><div class="separator" style="clear: both; text-align: justify;">1. Everyone who heard the speech was not impressed by it. <br />
2. Every bud, stalk, flower, a nd seed reveals a workmanship our power. </div><div class="separator" style="clear: both; text-align: justify;">3. Every one of these men (plays, play) golf. </div><div class="separator" style="clear: both; text-align: justify;">4. Neither Martin nor Harry (is, are) going to be in camp next summer. </div><div class="separator" style="clear: both; text-align: justify;">5. There (was, were) seve ral reasons for his failure to be elected. </div><div class="separator" style="clear: both; text-align: justify;">6. The wearing quality of different kinds of furs (varies, vary) greatly from item to <br />
item. </div><div class="separator" style="clear: both; text-align: justify;">7. Some of the students (thinks, think) more logically than others. </div><div class="separator" style="clear: both; text-align: justify;">8. Neither wealth nor fame always (bri ngs, bring) the happiness that you might <br />
expect. </div><div class="separator" style="clear: both; text-align: justify;">9. There (is, are) comparatively few poisonous plants in Alaska. </div><div class="separator" style="clear: both; text-align: justify;">10. A dictionary and an atlas (b elongs, belong) in every library. </div><div class="separator" style="clear: both; text-align: justify;">11. Neither of these envelopes (is, ar e) the correct size for my letter. </div><div class="separator" style="clear: both; text-align: justify;">12. Judith and Pete (has, have) trouble with essay exams. </div><div class="separator" style="clear: both; text-align: justify;">13. Either of you (is, are) welcome to the ticket for the concert. </div><div class="separator" style="clear: both; text-align: justify;">14. Each student (has) answered the first three question.<br />
15. Either John or his wife (makes) breakfast each morning.<br />
16. After she had perused the material, the secretary decided that everything (was) in order.<br />
17. The crowd at the basketball game (was) wild with excitement.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><br />
</div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-43713268100200780922011-12-31T22:01:00.000+07:002011-12-31T22:01:24.617+07:00Revisi - Payment Letter (SURAT PEMBAYARAN)<b style="text-align: center;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">PAYMENT LETTER (SURAT PEMBAYARAN)</span></b> <br />
<div class="MsoNormal" style="text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Instrumen/alat pembayaran merupakan media yang digunakan dalam pembayaran. Instrumen pembayaran saat ini dapat diklasifikasikan atas tunai dan non-tunai. Instrumen pembayaran tunai adalah uang kartal yang terdiri dari uang kertas dan uang logam yangsudah kita kenal selama ini. Sementara instrumen pembayaran non-tunai, dapat dibagi lagi atas alat pembayaran non-tunai dengan media kertas atau lazim disebut paper-based instrument seperti, cek, bilyet giro, wesel dan lain-lain serta alat pembayaran non-tunai dengan media kartu atau lazim disebut card-based instrument seperti kartu kredit, kartu debit, kartu ATM dan lain-lain. Dengan semakin berkembangnya teknologi, saat ini mulai dikembangkan pula berbagai alat pembayaran yang menggunakan teknologi micro-chips yang dikenal dengan electronic money. Penggunaan masing-masing alat pembayaran ini mempunyai implikasi yang berbeda-beda terhadap berbagai aspek, seperti aspek hukum, teknis, sistem dan mekanisme operasional dan lain-lain.</span></div><div class="MsoListParagraph" style="mso-list: l9 level1 lfo6; text-align: justify; text-indent: -18.0pt;"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><span dir="LTR"></span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Tunai/Cash</span></b></div><div class="MsoNormal" style="margin-left: 35.45pt; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Penggunaan media tunai dalam transaksi pembayaran banyak dipilih dengan alas an kemudahannya. Dengan menggunakan uang tunai maka jika seseorang melakukan jual beli barang dan atau jasa, maka pada saat dia menerima barang dan atau jasa yang dibeli, penjual juga menerima uang sebagai pembayarannya.Jika semua pembelian barang dan atau jasa menggunakan uang tunai maka semua pelaku ekonomi akan menyimpan persediaan uang tunai dalam jumlah relatif besar untuk memenuhi semua kewajiban pembayarannya. Supaya lebih efisien dan lebih aman, maka digunakan alat pembayaran non-tunai yang penggunaannya melibatkan lembaga perantara yaitu bank.</span></div><div class="MsoListParagraph" style="mso-list: l9 level1 lfo6; text-align: justify; text-indent: -18.0pt;"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><span dir="LTR"></span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Non-Tunai/Cashless</span></b></div><div class="MsoNormal" style="margin-left: 35.45pt; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Pembayaran non-tunai melibatkan jasa perbankan dalam penggunaannya. Bank sebagai badan usaha yang menghimpun dana dari masyarakat pada umumnya memberikan jasa dalam lalu lintas pembayaran bagi nasabahnya. Jasa dalam lalu lintas pembayaran yang diberikan oleh bank tersebut antara lain melalui penerbitan cek/bilyet giro untuk penarikan simpanan giro, transfer dana dari satu rekening simpanan kepada rekening simpanan lainnya pada bank yang sama atau pada bank yang berbeda, penerbitan kartu debit, penerbitan kartu kredit dan lain-lain.</span></div><div class="MsoListParagraph" style="margin-left: 49.65pt; mso-add-space: auto; mso-list: l4 level1 lfo7; text-align: justify; text-indent: -14.2pt;"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">A.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><span dir="LTR"></span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Cek</span></b></div><div class="MsoNormal" style="margin-left: 35.45pt; tab-stops: 49.65pt; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> Adalah cek sebagaimana diatur dalam Kitab Undang-undang Hukum Dagang (KUHD). Pengertian secara umum adalah surat yang berisi perintah tidak bersyarat oleh penerbit kepada bank yang memelihara rekening giro penerbit untuk membayarkan suatu jumlah uang tertentu kepada pemegang atau pembawa. Beberapa pihak yang terkait sehubungan dengan penggunaan cek adalah sebagai berikut :</span></div><div class="MsoListParagraphCxSpFirst" style="margin-left: 49.65pt; mso-add-space: auto; mso-list: l8 level1 lfo8; text-align: justify; text-indent: -14.2pt;"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">a.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><span dir="LTR"></span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Penerbit (drawer) </span></b></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Orang yang mengeluarkan surat cek.</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 53.45pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; mso-list: l8 level1 lfo8; text-align: justify; text-indent: -14.2pt;"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">b.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><span dir="LTR"></span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Tersangkut </span></b></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Yaitu bank yang diberi perintah tanpa syarat untuk membayar sejumlah uang tertentu.</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; mso-list: l8 level1 lfo8; text-align: justify; text-indent: -14.2pt;"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">c.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><span dir="LTR"></span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Pemegang (holder) </span></b></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Orang yang diberi hak untuk memperoleh pembayaran, yang namanya tercantum dalam surat cek.</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 53.45pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; mso-list: l8 level1 lfo8; text-align: justify; text-indent: -14.2pt;"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">d.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><span dir="LTR"></span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Pembawa (bearer) </span></b></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Orang yang ditunjuk untuk menerima pembayaran, tanpa menyebutkan namanya dalam surat cek. (Adanya pembawa ini sebagai akibat dari klausula atas unjuk yang berlakuk bagi surat cek).</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 53.45pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; mso-list: l8 level1 lfo8; text-align: justify; text-indent: -14.2pt;"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">e.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><span dir="LTR"></span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Pengganti </span></b></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Orang yang menggantikan kedudukan pemegang surat cek dengan jalan endosemen. Dalam hal ini surat cek diterbitkan dengan klausula atas pengganti dengan mencantumkan nama penggnti dalam surat cek. Adapun syarat formal cek menurut KUHD adalah sebagai berikut :</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 53.45pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraphCxSpLast" style="margin-left: 63.8pt; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -14.15pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">a.<span style="font: 7.0pt "Times New Roman";"> </span></span><span dir="LTR"></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Nama ‘cek’, yang dimuat dalam teks sendiri dan dinyatakan dalam mana cek itu disebutkan.</span></div><div class="MsoNormal" style="margin-left: 63.8pt; text-align: justify; text-indent: -14.15pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">b. Perintah tak bersyarat untuk membayar suatu jumlah tertentu.</span></div><div class="MsoNormal" style="margin-left: 63.8pt; text-align: justify; text-indent: -14.15pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">c. Nama orang yang harus membayar (tersangkut).</span></div><div class="MsoNormal" style="margin-left: 63.8pt; text-align: justify; text-indent: -14.15pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">d. Penunjukan tempat dimana pembayaran harus terjadi.</span></div><div class="MsoNormal" style="margin-left: 63.8pt; text-align: justify; text-indent: -14.15pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">e. Penyebutan hari penanggalan beserta tempat dimana cek diterbitkan.</span></div><div class="MsoNormal" style="margin-left: 63.8pt; text-align: justify; text-indent: -14.15pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">f. Tanda tangan orang yang menerbitkan cek (penerbit).</span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-left: 35.45pt; text-align: justify;"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">B. Bilyet Giro</span></b></div><div class="MsoNormal" style="margin-left: 35.45pt; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Adalah surat perintah dari nasabah kepada bank yang memelihara rekening giro nasabah (bank tertarik) untuk memindahbukukan sejumlah uang dari rekening yang bersangkutan kepada pihak penerima yang disebutkan namanya pada bank yang sama atau bank lain. Penggunaan bilyet giro tidak diatur dalam KUHD melainkan dalam SK No.28/32/KEP/DIR dan SE No.28/32/UPG tanggal 4 Juli 1995 tentang Bilyet Giro. Adapun syarat formal bilyet giro menurut SK tersebut adalah sebagai berikut :</span></div><div class="MsoNormal" style="margin-left: 35.45pt; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-left: 49.65pt; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">a. Nama ‘bilyet giro’ dan nomor bilyet giro yang bersangkutan.</span></div><div class="MsoNormal" style="margin-left: 49.65pt; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">b. Nama tertarik.</span></div><div class="MsoNormal" style="margin-left: 49.65pt; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">c. Perintah yang jelas tanpa syarat untuk memindahbukukan dana atas beban rekening penarik.</span></div><div class="MsoNormal" style="margin-left: 49.65pt; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">d. Nama dan nomor rekening pemegang.</span></div><div class="MsoNormal" style="margin-left: 49.65pt; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">e. Nama bank penerima.</span></div><div class="MsoNormal" style="margin-left: 49.65pt; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">f. Jumlah dana yang dipindahbukukan baik dalam angka maupun dalam huruf selengkap-lengkapnya.</span></div><div class="MsoNormal" style="margin-left: 49.65pt; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">g. Tempat dan tanggal penarikan.</span></div><div class="MsoNormal" style="margin-left: 49.65pt; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">h. Tanda tangan, nama jelas dan atau dilengkapi dengan cap, stempel sesuai dengan persyaratan pembukuan rekening.</span></div><div class="MsoNormal" style="margin-left: 49.65pt; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraph" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 54.0pt; margin-right: 0cm; margin-top: 12.0pt; mso-add-space: auto; mso-list: l2 level1 lfo9; text-align: justify; text-indent: -18.0pt;"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">C.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><span dir="LTR"></span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Kartu Cerdit Card</span></b></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Adalah alat pembayaran yang pembayarannya dilakukan kemudian. Dalam hal ini bank penerbit kartu memberikan kredit kepada nasabah pemegang kartu kredit dengan batas waktu dan tambahan bunga yang telah disepakati antara bank dan nasabah. Dalam penyelenggaraan kartu kredit ini terdapat beberapa pihak yang terlibat yaitu :</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 36.0pt; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraphCxSpFirst" style="margin-left: 49.65pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">a.<span style="font: 7.0pt "Times New Roman";"> </span></span><span dir="LTR"></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Penerbit (Issuer), yaitu pihak yang menerbitkan kartu kredit. Dalam hal ini, issuer merupakan pihak yang mengadakan perjanjian dengan dan yang memberikan fasilitas kredit kepada pemegang kartu.</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraphCxSpLast" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l5 level1 lfo2; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">b.<span style="font: 7.0pt "Times New Roman";"> </span></span><span dir="LTR"></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Pengelola (Acquirer), yaitu pihak yang mengadakan hubungan atau kerjasama dengan pedagang.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraphCxSpFirst" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; mso-list: l5 level1 lfo2; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">c.<span style="font: 7.0pt "Times New Roman";"> </span></span><span dir="LTR"></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Prinsipal adalah pihak pemilik hak tunggal atas merk dalam penyelenggaraan kartu kredit seperti Visa, MasterCard, Dinners dan lain-lain. Setiap transaksi pembayaran dengan menggunakan kartu kredit memerlukan proses otorisasi terlebih dahulu oleh penerbit mengenai keabsahan dari kartu yang digunakan serta batas limit nominal transaksi yang dilakukan. Otorisasi ini biasanya dilakukan secara on-line dengan meng-insert kartu melalui terminal EDC/POS (Electronic Data Capture/Point of Sales) yang ada di pedagang.</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-bottom: .0001pt; margin-bottom: 0cm; margin-left: 49.65pt; margin-right: 0cm; margin-top: 0cm; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">d.<span style="font: 7.0pt "Times New Roman";"> </span></span><span dir="LTR"></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Kartu Debet (debet card) Transaksi pembayaran dengan menggunakan kartu debet akan mengurangi langsung saldo rekening pemegang kartu yang ada di bank penerbit. Jadi dalam hal ini tidak ada fasilitas kredit yang diberikan oleh penerbit kepada pemagang kartu. Sebagaimana halnya kartu kredit, mekanisme pembayaran dengan kartu debit juga memerlukan proses otorisasi serta ditambah dengan penggunaan PIN (Personal Identification Number) oleh pemegang kartu.</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; mso-list: l5 level1 lfo2; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">e.<span style="font: 7.0pt "Times New Roman";"> </span></span><span dir="LTR"></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Electronic Money (e-money) Perkembangan teknologi di bidang informasi dan komunikasi telah member dampak terhadap munculnya inovasi-inovasi baru dalam pembayaran elektronis (electronic payment). Beberapa contoh pembayaran electronis yang sudah dikenal di Indonesia saat ini antara lain phone banking, internet banking, pembayaran dengan kartu kredit serta kartu debit/kartu ATM. Meskipun teknologi yang digunakan berbeda-beda, namun kesemua cara pembayaran elektronis yang disebutkan di atas selalu terkait langsung dengan rekening nasabah bank yang menggunakannya. Dalam hal ini setiap instruksi pembayaran yang dilakukan nasabah dengan menggunakan salah satu cara pembayaran tersebut selalu memerlukan proses otorisasi untuk kemudian akan dibebankan langsung ke rekening nasabah yang bersangkutan. Saat ini, di beberapa negara telah mulai dikenal instrumen pembayaran elektronis yang dikenal sebagai electronic money atau sering disebut dengan e-money, yang karakteristiknya sedikit berbeda dengan pembayaran elektronis yang telah disebutkan sebelumnya karena pembayaran dengan menggunakan e-money tidak selalu memerlukan proses otorisasi untuk pembebanan ke rekening nasabah yang menggunakannya. Hal ini dikarenakan pada e-money tersebut telah terekam sejumlah nilai uang. Dengan karakteristik tersebut, pada prinsipnya seseorang yang memiliki e-money sama dengan memiliki uang tunai. Hanya saja nilai uang tersebut dikonversikan dalam bentuk elektronis. Dalam salah satu laporan yang diterbitkan oleh BIS pada bulan Oktober 1996, e-money didefinisikan sebagai produk-produk stored-value atau prepaid dimana sejumlah dana disimpan secara elektronis dalam suatu peralatan elektronis yang dimiliki oleh seseorang. ‘Nilai elektronis’ ini dapat dibeli oleh seseorang dan tersimpan dalam peralatan elektronis miliknya dimana nilainya akan berkurang pada saat digunakan untuk melakukan pembayaran. Berbeda dengan kebanyakan single-prepaid card yang ada saat ini (seperti kartu telepon), e-money dimaksudkan untuk berbagai keperluan pembayaran. Dilihat dari media yang digunakan, secara umum ada dua tipe produk e- money yaitu :</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 49.65pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 63.8pt; mso-add-space: auto; mso-list: l3 level1 lfo3; text-align: justify; text-indent: -14.15pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">a.<span style="font: 7.0pt "Times New Roman";"> </span></span><span dir="LTR"></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Prepaid Card (disebut juga electronic purses), dengan karakteristik sebagai berikut :</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 78.0pt; mso-add-space: auto; mso-list: l7 level1 lfo4; text-align: justify; text-indent: -14.15pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">1)<span style="font: 7.0pt "Times New Roman";"> </span></span><span dir="LTR"></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">‘Nilai elektronis’ disimpan dalam suatu chip (integrated circuit) yang tertanam pada kartu.</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 78.0pt; mso-add-space: auto; mso-list: l7 level1 lfo4; text-align: justify; text-indent: -14.15pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">2)<span style="font: 7.0pt "Times New Roman";"> </span></span><span dir="LTR"></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Mekanisme pemindahan dana dilakukan dengan meng-insert kartu ke suatu card reader.</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-left: 78.0pt; mso-add-space: auto; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraphCxSpLast" style="margin-left: 63.8pt; mso-add-space: auto; mso-list: l3 level1 lfo3; text-indent: -14.15pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">b.<span style="font: 7.0pt "Times New Roman";"> </span></span><span dir="LTR"></span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Prepaid software (sering disebut juga digital cash), dengan karakteristik sebagai berikut :</span></div><div class="MsoNormal" style="margin-left: 78.0pt; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">1) ‘Nilai elektronis’ disimpan dalam suatu hard disk komputer.</span></div><div class="MsoNormal" style="margin-left: 78.0pt; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">2) Mekanisme pemindahan dana dilakukan melalui suatu jaringan komunikasi seperti Internet, pada saat melakukan pembayaran. Perkembangan e-money di berbagai negara telah menimbulkan issue seputar implikasinya terhadap kebijakan bank sentral, antara lain implikasi terhadap kebijakan moneter, pendapatan seigniorage bank sentral, kelembagaan yang dapat menerbitkan e-money, security, dan money laundering. Berbagai studi mengenai implikasi pengembangan e-money tersebut telah dilakukan, diantaranya oleh BIS. Pada bulan Oktober 1996 BIS menerbitkan laporan hasil kajiannya yang berjudul “Implications for Central Banks of The Development Electronic Money”. Dalam melakukan transaksi pembayaran dapat dilakukan dengan 2 cara yaitu dengan cara tunai/cash dan credit/berkala setiap transaksi pembayaran baik cash ataupun credit memerlukan tahapan sistematis yang berfungsi untuk mempermudah system pembayaran, diatas telah disebutkan fungsi dari masing masing cara dan teknik pembayaran.</span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoListParagraph" style="mso-list: l6 level1 lfo10; text-align: justify; text-indent: -18.0pt;"><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-fareast-font-family: "Times New Roman";">A.<span style="font: 7.0pt "Times New Roman";"> </span></span></b><span dir="LTR"></span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Surat Keterlambatan Pembayaran</span></b></div><div class="MsoNormal" style="margin-left: 18.0pt; text-align: justify; text-indent: 17.45pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Bagi kebanyakan orang berhutang dan mengumpulkan hutang adalah pekerjaan yang mudah, namun hal tersulit didapatkan pada saat pembayaran. Bukti tertulis juga diperlukan untuk proses administrasi dalam pembayaran. Dalam transaksi pembayaran biasanya seorang mengunakan dua cara yaitu dengan cara cash dan kredit. Dibawah ini akan dijelaskan format surat keterlambatan pembayaran. Didalam melakukan transaksi jual beli barang dengan metode pembayaran berkala. Dapat menimbulkan keterlambatan pembayaran bagi konsumen, sekedar mengingatkan konsumen dengan cara mengirim surat, dan memberitahukan batas waktu pembayaran, dan peringatan-peringatan agar konsumen sadar dan kembali melakukan transaksi. Pada artikel ini, kami akan menjelaskan bagaimana Anda dapat menulis surat keterlambatan pembayaran dengan bantuan contoh surat pembayaran dan format yang sama.</span></div><div class="MsoListParagraph" style="mso-list: l1 level1 lfo5; text-align: justify; text-indent: -14.7pt;"><span lang="EN-US" style="font-family: Symbol; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font: 7.0pt "Times New Roman";"> </span></span><span dir="LTR"></span><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Format Surat Pembayaran</span></b></div><div class="MsoNormal" style="margin-left: 36.0pt; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Sebelum kita melihat contoh surat keterlambatan pembayaran, kami akan mencoba dan memahami bagaimana membuat konsep surat pembayaran dengan bantuan format yang sama.</span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Your Name</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Your Organization</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Organization's Address</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Date</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Name of Addressee</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Addressee's Designation</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Address</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Reference: In a brief and concise manner, mention the subject of this letter.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Salutation/Greetings</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dear Ms./Mr. (addressee)/ To whomsoever it may concern</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">In the first introductory paragraph, mention why you are writing this letter which is to remind the addressee that their payment is overdue for the bill that your firm has sent across on an earlier date. Do mention the date on which your firm had sent the invoice to the addressee. Also remember to send another invoice as an enclosure with the letter with the updated overdue amount.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">The second paragraph should have a request for the payment of the amount by the date as specified by the company. Mention both the amount and the date by which the addressee has to make the payment. Mention that your organization will be forced to take legal action in case the addressee does not make the payment in the time period specified.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">In the third paragraph, mention that you believe that legal action would be unnecessary. Also mention that the letter should be ignored in case the payment has been made already. Give your contact details in case the addressee needs to contact you for anything.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Valediction/Goodbye</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Yours sincerely,</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">(Signature)</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">(Your name)</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">B. </span></b><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Contoh Surat Pembayaran</span></b></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Di bawah ini diberikan contoh surat pembayaran mengikuti format surat pengingat keterlambatan pembayaran yang diberikan di atas. Contoh surat pembayaran hanya berfungsi untuk menjelaskan format yang lebih baik, sehingga tidak ada keraguan dalam pikiran Anda tentang bagaimana surat tersebut harus dirancang</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Carla Dorian</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Accountant, Mssrs. Samson and Lithgowe</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Oak Street, Devon</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">California - 242527</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Date: September 20th 2011</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Ashley Hamilton</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">3452 - Garden View</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Elm Street, Devon</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">California - 242568</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Reference: Late Payment Reminder, Invoice # 548520</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dear Ms Hamilton,</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">This letter serves as a reminder that you have an outstanding payment of USD 2500 on the invoice # 548520 which was sent to you on the 14th of August, 2011. We are yet to receive this payment from you. We have enclosed another copy of the invoice with this letter for your reference.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">I request you to make full payment for the amount of USD 2500 by the 1st of October 2011. In case the payment is not made by the first of next month, the company will be forced to take legal action against you to recover the debt incurred by you.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">We believe that legal action would be completely unnecessary and therefore, request you to make the payment as soon as possible. Please disregard this letter in case you have already made this payment.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Thank you for your cooperation. We hope that your association with us continues in the future.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Thanking you,</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Yours sincerely</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">(Signature)</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;"><span lang="EN-US">Ashley Hamilton</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;"><span lang="EN-US">3452 – Garden view</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">Reply Surat diatas</span></b></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;"><span lang="EN-US">Ashley Hamilton</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;"><span lang="EN-US">3452 – Garden view</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;"><span lang="EN-US">Elm street, devon</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;"><span lang="EN-US">California – 242568</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;"><span lang="EN-US">Date : September 23th 2011</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Carla Dorian</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Accountant, Mssrs. Samson and Lithgowe</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Oak Street, Devon</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">California - 242527</span></div><div class="MsoNormal"><span lang="EN-US">Reference : Late payment Reminder, invoice #548520</span></div><div class="MsoNormal"><span lang="EN-US">Dear carla Dorian</span></div><div class="MsoNormal"><span lang="EN-US">Saya meminta maaf sebelumnya kepada anda karna saya belum bisa membayar kekurangan tersebut, saya telah menerima surat anda yang dikirimkan dengan faktur #548520 saya terima pada tanggal 20 september 2011.</span></div><div class="MsoNormal"><span lang="EN-US">Saya memohon keringanan atas waktu pembayaran tersebut, saya tidak sanggup untuk membayar semuanya pada batas waktu, yaitu tanggal 1 oktober 2011. Saya mohon dengan sangat kepada anda untuk memberi saya tambahan waktu. Saya berjanji akan melunasi kekurangan pembayaran tersebut.</span></div><div class="MsoNormal"><span lang="EN-US">Saya mohon kepada anda untuk tidak membawa permasalahan ini kedalam urusan hukum, terimakasih atas perhatianya saya harap anda bias mempertimbangkanya.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Thanking you,</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Yours sincerely</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">(Signature)</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;"><span lang="EN-US">Ashley Hamilton</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;"><span lang="EN-US">Elm street, devon</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dalam kasus surat keterlambatan pembayaran diatas bercerita tentang ajuan tentang permohonan surat dan perlu lebih banyak waktu untuk melakukan pembayaran ke perusahaan yang bersangkutan, maka Anda harus mengirimkan surat untuk menjelaskan situasi Anda kepada mereka. Meskipun surat itu akan memiliki alasan pribadi, itu adalah bentuk tulisan bisnis dan harus dirancang secara profesional. Surat pembayaran sampel yang diberikan dalam artikel ini merupakan format surat yang sangat generik. Tergantung pada berapa banyak pengingat yang telah dikirim sebelumnya, nada surat itu dapat berkisar antara sopan dan berwibawa. pada pembayaran umumnya mengenai kesalah pahaman dan permohonan keringanan dan tambahan waktu dalam melakukan pembayaran atau karena krisis keuangan, jadi diperhatikan tata cara penulisan surat pengajuan kepada pihak terkait agar permohonan anda dapat diterima dan diberi keringanan.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></b></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></b></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">C. </span></b><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Example Payment Request (Contoh Permohonan Pembayaran)</span></b></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Sampson's Stationary</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">30 Silverstone Ave</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Kamloops, BC</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">V2A 8B1</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Tel:250-429-0002</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">February 21st, 20--</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Mr. Ken Davis</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Hanson's Montessori School</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">15 Main St.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Kamloops, BC</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">V2A 7B5</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Our ref: #223</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dear Mr. Davis:</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Outstanding Invoice</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Our records show that you have an outstanding balance dating back to January, 200-. Your January invoice was for $445.00 and we have yet to receive this payment. Please find a copy of the invoice enclosed.</span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">If this amount has already been paid, please disregard this notice. Otherwise, please forward us the amount owed in full by March 1st, 20--. As our contract indicates, we begin charging 5% interest for any outstanding balances after 30 days.</span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Thank you in advance for your cooperation. We hope to continue doing business with you in the future.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Sincerely,</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Maria McPhee</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Maria McPhee</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Accountant</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Enclosure: Invoice #223</span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="text-align: justify;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">Reply Surat Diatas</span></b></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Mr. Ken Davis</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Hanson's Montessori School</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">15 Main St.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Kamloops, BC</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">V2A 7B5</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"></span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">February 21st, 20--</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Sampson's Stationary</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">30 Silverstone Ave</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Kamloops, BC</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">V2A 8B1</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Tel:250-429-0002</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Our ref: #223</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dear Mr. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">Sampson</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">:</span></div><div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-color: whitesmoke; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; margin-bottom: 0.0001pt;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-fareast-font-family: "Times New Roman";"><br />
</span></div><div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-color: whitesmoke; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; margin-bottom: 0.0001pt;"><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Saya telah menerima surat dengan no faktur #223, dari pernyataan yang telah anda kirimkan ke saya, saya mohon maaf karna keterlambatan pembayaran. Terimakasih karna anda telah memberi saya sedikit waktu, saya akan segera melunasi pembayaran tersebut, sesuai dengan waktu dan ketentuan yang telah anda berikan.</span></div><div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-color: whitesmoke; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; margin-bottom: 0.0001pt;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-fareast-font-family: "Times New Roman";"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;"><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Terima kasih sebelumnya atas kerja sama Anda. Kami berharap untuk terus melakukan bisnis dengan Andadimasa depan.</span><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-fareast-font-family: "Times New Roman";"><br />
</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Sincerely,</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Mr. Ken Davis</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Hanson's Montessori School</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"></span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Enclosure: Invoice #223</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="text-align: justify;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">D. </span></b><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Latter Payment</span></b><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">( surat pembayaran )</span></b></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">A letter of payment is a letter that accompanies a payment for a product or service previously acquired. For example, if your business bought 30 new computers, and the payment was due on November 30th, you would send a check or other form of payment, along with a formal letter of payment, to the business or individual you bought them from. The letter of payment specifies whom the payment is from and what the payment is for.</span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Tips for writing a letter of payment</span></div><div class="MsoNormal" style="margin-left: 14.2pt; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">- Make sure you state explicitly what the payment is for</span></div><div class="MsoNormal" style="margin-left: 14.2pt; text-align: justify; text-indent: -14.2pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">- Make sure you include the transaction information in your letter to make it easier for the recipient to process.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Sample letter of payment</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> ( contoh surat pembayaran )</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Garrison Computers</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">1998 Hill Haven Drive</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Fort Hood, TX 76541</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dear Garrison Computers,</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Enclosed you will find a check for the sum of $15,000. This payment is for the 30 computer workstations Home Computing Inc. received on November 1st, 2009, transaction #456533. This amount should be enough to pay all outstanding accounts Home Computing Inc. has with Garrison Computers</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">We thank you for your great service, and if we ever need any more computers, Garrison Computers is the first place we will order from.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Sincerely,</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Home Computing Inc.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"></span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">Reply Surat Diatas</span></b></div><div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-color: whitesmoke; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; margin-bottom: 0.0001pt;"><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-fareast-font-family: "Times New Roman";"> </span></div><div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-color: whitesmoke; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; margin-bottom: 0.0001pt;"><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Home computing Inc.</span></div><div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-color: whitesmoke; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; margin-bottom: 0.0001pt;"><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">1998 Bukit Hard Haven<br />
Fort Hood, TX 76541<br />
<br />
Dear home computing Inc,<br />
<br />
</span></div><div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-color: whitesmoke; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; margin-bottom: 0.0001pt;"><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Saya telah menerima kiriman suran dari anda dengan no faktur #456533, saya senang berbisnis dengan anda dan saya harap anda tidak bosan dan bisa berbisnis lagi di kemudian hari<br />
<br />
Kami berterima kasih untuk layanan yang besar, dan jika anda memerlukan komputer lagi jangan sungkan dan ragu untuk menghubungi kami lagi, home computing Inc akan menyediakan semua kebutuhan anda.</span><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-fareast-font-family: "Times New Roman";"><br />
</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt;">Sincerely</span><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-fareast-font-family: "Times New Roman";">,<br />
</span><span lang="EN-US" style="color: #888888; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"></span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Garrison Computers</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Most people tend to view the entire task of letter writing as difficult because on most occasions people are unsure of how to draft a proper letter. This becomes doubly true in case of letters that are written for professional reasons, especially letters written to reject someone or to collect debts, in short those letters that have a certain negative connotation to them. Trying to get someone to pay off their debts, especially someone who is a habitual defaulter is very difficult and in most cases you need to resort to legal action but courtesy demands that you send out a late payment letter that will ensure that the addressee knows that he has defaulted on a payment. Such a letter also works as a proof that the addressee has been informed of his misdemeanor on several occasions and had still failed to make the necessary payments to clear his debt. A late payment letter example serves as a good guideline for someone who needs to learn how to draft a payment letter. It is also a good idea to refer to a payment letter template which also details on what should and should not be included in a late payment reminder letter.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">D. </span></b><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Payment Letter Template</span></b></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">In order to write a good payment letter, you can always refer to a request payment letter example but that increases the chances of just replacing details. In case you want to draft the letter on your own you should look up a payment letter template that will serve as a format of how a payment letter should be drafted.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Your Name</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Your Organization</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Organization's Address</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Date</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Name of Addressee</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Addressee's Designation</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Address</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Reference: This is the section where in brief and concise terms you will mention the subject of the letter. In this specific case of a late payment letter you can mention the bill or invoice number.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Salutation/Greetings</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dear Ms./Mr. (addressee)</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">The very first paragraph of the letter needs to introduce to the addressee the reason for which the letter is being written. Without being aware of what the letter is about it is impossible for the addressee to react at all. The addressee needs to be informed that they have defaulted on their payment on the bill that has been mentioned. You need to mention that a letter has been sent to the addressee before, which received no response. Mention the date on which this letter was sent. It is important that you send out a copy of the bill along with this letter in case the earlier copy has been misplaced.</span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">The second paragraph needs you to point out the transgression and express in clear terms that in case the bill is not paid by a certain date, then your organization will be forced to take legal action against the addressee. To avoid this the addressee needs to pay the amount of the bill by a specific date which should be specified in this paragraph of the letter.</span></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">In the final paragraph of the letter, ensure that you apologize for the inconvenience in case the addressee has already paid the bill. Also mention that your organization is sure that the non payment of the bill is a misunderstanding and that you are sure that legal action will be unnecessary. At the end of the letter it is absolutely important that the person writing the letter mentions contact details enabling the addressee to contact you in case of any clarification.</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"></span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Valediction/Goodbye</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Yours sincerely,</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">(Signature)</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">(Your name)</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="text-align: justify;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">E. </span></b><b><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Payment Letter Example</span></b></div><div class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">You now know what the proper format of a payment letter should be. In order to understand the payment letter template, you can take a look at the payment letter sample given in this section that will elucidate to you how such a letter is drafted.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Alexa Ivanova</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Accountant, Mssrs. Garcia and Botham</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Sunset Boulevard, Cook County</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Illinois - 505745</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Date: August 19th 2010</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Henry Moffett</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">5463 - Oak View Park</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Elm Street, Cook County</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Illinois - 505957</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Reference: Late Payment Reminder, Bill No # 4582655</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dear Mr. Moffett,</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">This is with reference to the bill no # 4582655. As has been conveyed to you through our previous correspondence to you, our organization is still awaiting a payment of USD 3500 from you on bill no # 4582655. We are yet to receive any payment on this bill and have not received any other intimation from you either. With this letter we are enclosing a duplicate of the bill mentioned herein for your reference.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Our company policy dictates that all bills need to be paid within a month of any kind of business conducted between the two parties. This is the third letter that our organization is sending you regarding the defaulted payment of USD 3500. We request you to kindly send out the payment to us by the 30th day of August. In case the payment is not made on this occasion we will be reluctantly forced to take legal action.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">We truly believe that legal action of any sort will not be needed and we are sure that this default on payment is a result of misunderstanding. We request you to therefore make the payment on bill no # 4582655 as soon as possible. Please ignore this letter in case you have already made the payment. In such a case we would like to apologize for the error of sending out this letter to you. In case you need to clarify something and need to contact us, our details are available on the bill enclosed with this letter.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">We thank you for your cooperation and hope that you will continue to do business with us in the future as well.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Thanking you,</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Yours sincerely</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">(Signature)</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Alexa Ivanova</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Accountant, Messrs. Garcia and Botham</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><b><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">Reply Surat diatas</span></b></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Dear Mr. Moffett, Alexa Ivanova</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Accountant, Mssrs. Garcia and Botham</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Sunset Boulevard, Cook County</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Illinois - 505745</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Date: August 19th 2010</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Henry Moffett</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">5463 - Oak View Park</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Elm Street, Cook County</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Illinois - 505957</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Reference: Late Payment Reminder, Bill No # 4582655</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> </span></div><div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-color: whitesmoke; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; margin-bottom: 0.0001pt;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;">Dear Mr. Moffett,</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-hansi-theme-font: major-bidi;"></span></div><div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-color: whitesmoke; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; margin-bottom: 0.0001pt;"><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: IN; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;">Hal ini dengan mengacu pada RUU no # 4582655. Seperti telahdisampaikan kepada Saya melalui korespondensi sebelumnya Saya kepada Anda, mohon maaf saya belum bisa melakukan pembayaran, dan saya mohon kepada anda untuk memberikan keringan waktu kepada saya.</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm;"><span style="color: #333333; font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-ascii-theme-font: major-bidi; mso-bidi-theme-font: major-bidi; mso-fareast-font-family: "Times New Roman"; mso-hansi-theme-font: major-bidi;"><br />
Kebijakan perusahaan anda menyatakan bahwa semua tagihan harus dibayar dalam waktu satu bulan dari setiap jenis bisnis yang dilakukan antara kedua belah pihak. mengenai keterlambatan pembayaran senilai USD 3500. Saya mohon dengan sangat kepanda perusahaan anda untuk meberi tambahan waktu pembayaran untuk saya, saya berjanji kepada anda akan segera melunasi kekurangan pembayaran saya, jika saya telah memiliki uang untuk melakukan pembayaran, saya meminta tambahan waktu satu minggu kepada perusahaan anda, saya harap anda bisa mengerti, saya tidak ingin turut serta dalam urusan hukum mengenai masalah keterlambatan pembayaran ini<br />
<br />
Saya berterima kasih atas kerja sama Anda dan berharap anda akan terus melakukan bisnis dengan saya di masa depan.</span><span style="color: #333333; font-family: "Arial","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN; mso-fareast-font-family: "Times New Roman";"><br />
</span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Thanking you,</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Yours sincerely</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">(Signature)</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Henry Moffett</span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">5463 - Oak View Park</span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;">, </span><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Elm Street, Cook County</span></div><div class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-color: whitesmoke; background-image: initial; background-origin: initial; background-position: initial initial; background-repeat: initial initial; margin-bottom: 0.0001pt;"><span lang="EN-US" style="color: #888888; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-fareast-font-family: "Times New Roman";"> </span></div><div class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0cm; text-align: justify;"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: IN;"> </span></div><span lang="EN-US" style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">In any form of business writing it is important that you do not come across as rude or impolite even in a situation where you are writing a letter to collect payments. Any good payment letter example will tell you how to walk the fine line between being polite and authoritative without sounding crude and uncivil. It is possible that the addressee has defaulted on the payment due to a personal crisis of some sort. In such a case it is important that you be understanding while drafting the letter.</span>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-3114638333214864242011-12-31T20:19:00.000+07:002011-12-31T20:19:01.982+07:00English Bussiness Letter (Payment Letter)<div dir="ltr" style="text-align: left;" trbidi="on"><span class="Apple-style-span" style="font-family: Arial, Helvetica, sans-serif; font-size: x-small;"></span><br />
<div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: center;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; line-height: 18px;"><b><span class="Apple-style-span" style="font-size: large;">PAYMENT LATTER (SURAT PEMBAYARAN)</span></b><o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: center;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; line-height: 18px;"><b><span class="Apple-style-span" style="font-size: large;"><br />
</span></b></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: center;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; line-height: 18px;"><b><span class="Apple-style-span" style="font-size: large;"><br />
</span></b></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; line-height: 18px;"><span class="Apple-style-span" style="font-size: large;">I</span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">nstrumen/alat pembayaran merupakan media yang digunakan dalam pembayaran. Instrumen pembayaran saat ini dapat diklasifikasikan atas tunai dan non-tunai. Instrumen pembayaran tunai adalah uang kartal yang terdiri dari uang kertas dan uang logam yangsudah kita kenal selama ini. Sementara instrumen pembayaran non-tunai, dapat dibagi lagi atas alat pembayaran non-tunai dengan media kertas atau lazim disebut paper-based instrument seperti, cek, bilyet giro, wesel dan lain-lain serta alat pembayaran non-tunai dengan media kartu atau lazim disebut card-based instrument seperti kartu kredit, kartu debit, kartu ATM dan lain-lain. Dengan semakin berkembangnya teknologi, saat ini mulai dikembangkan pula berbagai alat pembayaran yang menggunakan teknologi micro-chips yang dikenal dengan electronic money. Penggunaan masing-masing alat pembayaran ini mempunyai implikasi yang berbeda-beda terhadap berbagai aspek, seperti aspek hukum, teknis, sistem dan mekanisme operasional dan lain-lain.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoListParagraph" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">1.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><b>Tunai/Cash</b><o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Penggunaan media tunai dalam transaksi pembayaran banyak dipilih dengan alas an kemudahannya. Dengan menggunakan uang tunai maka jika seseorang melakukan jual beli barang dan atau jasa, maka pada saat dia menerima barang dan atau jasa yang dibeli, penjual juga menerima uang sebagai pembayarannya.Jika semua pembelian barang dan atau jasa menggunakan uang tunai maka semua pelaku ekonomi akan menyimpan persediaan uang tunai dalam jumlah relatif besar untuk memenuhi semua kewajiban pembayarannya. Supaya lebih efisien dan lebih aman, maka digunakan alat pembayaran non-tunai yang penggunaannya melibatkan lembaga perantara yaitu bank.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoListParagraph" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">2.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><b>Non-Tunai/Cashless</b><o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Pembayaran non-tunai melibatkan jasa perbankan dalam penggunaannya. Bank sebagai badan usaha yang menghimpun dana dari masyarakat pada umumnya memberikan jasa dalam lalu lintas pembayaran bagi nasabahnya. Jasa dalam lalu lintas pembayaran yang diberikan oleh bank tersebut antara lain melalui penerbitan cek/bilyet giro untuk penarikan simpanan giro, transfer dana dari satu rekening simpanan kepada rekening simpanan lainnya pada bank yang sama atau pada bank yang berbeda, penerbitan kartu debit, penerbitan kartu kredit dan lain-lain.</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px; text-indent: -18pt;"><b>A.</b><span style="font: normal normal normal 7pt/normal 'Times New Roman';"><b> </b></span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px; text-indent: -18pt;"><b>Cek</b></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Adalah cek sebagaimana diatur dalam Kitab Undang-undang Hukum Dagang (KUHD). Pengertian secara umum adalah surat yang berisi perintah tidak bersyarat oleh penerbit kepada bank yang memelihara rekening giro penerbit untuk membayarkan suatu jumlah uang tertentu kepada pemegang atau pembawa. Beberapa pihak yang terkait sehubungan dengan penggunaan cek adalah sebagai berikut :<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><ol><li><span class="Apple-style-span" style="font-family: 'Times New Roman', serif; font-size: 16px; line-height: 18px;">Penerbit (drawer) : Orang yang mengeluarkan surat cek</span></li>
<li><span class="Apple-style-span" style="font-family: 'Times New Roman', serif; font-size: 16px; line-height: 18px;">Tersangkut : yaitu bank yang diberi perintah tanpa syarat untuk membayar sejumlah uang tertentu</span></li>
<li><span class="Apple-style-span" style="font-family: 'Times New Roman', serif; font-size: 16px; line-height: 18px;">Pemegang (holder) : orang yang diberi hak untuk memperoleh pembayaran, yang namanya tercantum dalam surat cek</span></li>
<li><span class="Apple-style-span" style="font-family: 'Times New Roman', serif; font-size: 16px; line-height: 18px;">Pembawa (bearer) : orang yang ditunjuk untuk menerima pembayaran, tanpa menyebutkan namanya dalam surat cek. (Adanya pembawa ini sebagai akibat dari klausula atas unjuk yang berlakuk bagi surat cek)</span></li>
<li><span class="Apple-style-span" style="font-family: 'Times New Roman', serif; font-size: 16px; line-height: 18px;">Pengganti : Orang yang menggantikan kedudukan pemegang surat cek dengan jalan endosemen. Dalam hal ini surat cek diterbitkan dengan klausula atas pengganti dengan mencantumkan nama penggnti dalam surat cek. </span></li>
</ol></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Adapun syarat formal cek menurut KUHD adalah sebagai berikut :<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px; text-indent: -18pt;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"><br />
</span></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px; text-indent: -18pt;"><span style="font: normal normal normal 7pt/normal 'Times New Roman';"><span class="Apple-style-span" style="font-size: small;">a</span>. </span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px; text-indent: -18pt;">Nama ‘cek’, yang dimuat dalam teks sendiri dan dinyatakan dalam mana cek itu disebutkan.</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">b. Perintah tak bersyarat untuk membayar suatu jumlah tertentu<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">c. Nama orang yang harus membayar (tersangkut)</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">d. Penunjukan tempat dimana pembayaran harus terjadi</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">e. Penyebutan hari penanggalan beserta tempat dimana cek diterbitkan<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">f. Tanda tangan orang yang menerbitkan cek (penerbit)<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><b>B. Bilyet Giro</b><o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Adalah surat perintah dari nasabah kepada bank yang memelihara rekening giro nasabah (bank tertarik) untuk memindahbukukan sejumlah uang dari rekening yang bersangkutan kepada pihak penerima yang disebutkan namanya pada bank yang sama atau bank lain. Penggunaan bilyet giro tidak diatur dalam KUHD melainkan dalam SK No.28/32/KEP/DIR dan SE No.28/32/UPG tanggal 4 Juli 1995 tentang Bilyet Giro. Adapun syarat formal bilyet giro menurut SK tersebut adalah sebagai berikut :<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">a. Nama ‘bilyet giro’ dan nomor bilyet giro yang bersangkutan<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">b. Nama tertarik<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">c. Perintah yang jelas tanpa syarat untuk memindahbukukan dana atas beban rekening penarik<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">d. Nama dan nomor rekening pemegang<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">e. Nama bank penerima<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">f. Jumlah dana yang dipindahbukukan baik dalam angka maupun dalam huruf selengkap-lengkapnya<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">g. Tempat dan tanggal penarikan<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">h. Tanda tangan, nama jelas dan atau dilengkapi dengan cap, stempel sesuai dengan persyaratan pembukuan rekening.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoListParagraph" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">b.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><b>Kartu Kredit (credit card)</b><o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Adalah alat pembayaran yang pembayarannya dilakukan kemudian. Dalam hal ini bank penerbit kartu memberikan kredit kepada nasabah pemegang kartu kredit dengan batas waktu dan tambahan bunga yang telah disepakati antara bank dan nasabah. Dalam penyelenggaraan kartu kredit ini terdapat beberapa pihak yang terlibat yaitu :<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoListParagraphCxSpFirst" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">a.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> <span class="Apple-style-span" style="font-size: small;">a. </span> </span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Penerbit (Issuer), yaitu pihak yang menerbitkan kartu kredit. Dalam hal ini, issuer merupakan pihak yang mengadakan perjanjian dengan dan yang memberikan fasilitas kredit kepada pemegang kartu.<o:p></o:p></span></div><div class="MsoListParagraphCxSpFirst" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">b.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> <span class="Apple-style-span" style="font-size: small;">b.</span> </span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Pengelola (Acquirer), yaitu pihak yang mengadakan hubungan atau kerjasama dengan pedagang.<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">c</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">c.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> <span class="Apple-style-span" style="font-size: x-small;">C.</span> </span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Prinsipal adalah pihak pemilik hak tunggal atas merk dalam penyelenggaraan kartu kredit seperti Visa, MasterCard, Dinners dan lain-lain. Setiap transaksi pembayaran dengan menggunakan kartu kredit memerlukan proses otorisasi terlebih dahulu oleh penerbit mengenai keabsahan dari kartu yang digunakan serta batas limit nominal transaksi yang dilakukan. Otorisasi ini biasanya dilakukan secara on-line dengan meng-insert kartu melalui terminal EDC/POS (Electronic Data Capture/Point of Sales) yang ada di pedagang.<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">d. </span></div><div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">c.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> <span class="Apple-style-span" style="font-size: small;">d</span>. </span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Kartu Debet (debet card) Transaksi pembayaran dengan menggunakan kartu debet akan mengurangi langsung saldo rekening pemegang kartu yang ada di bank penerbit. Jadi dalam hal ini tidak ada fasilitas kredit yang diberikan oleh penerbit kepada pemagang kartu. Sebagaimana halnya kartu kredit, mekanisme pembayaran dengan kartu debit juga memerlukan proses otorisasi serta ditambah dengan penggunaan PIN (Personal Identification Number) oleh pemegang kartu.<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">d.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> <span class="Apple-style-span" style="font-size: small;"> e. </span></span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Electronic Money (e-money) Perkembangan teknologi di bidang informasi dan komunikasi telah member dampak terhadap munculnya inovasi-inovasi baru dalam pembayaran elektronis (electronic payment). Beberapa contoh pembayaran electronis yang sudah dikenal di Indonesia saat ini antara lain phone banking, internet banking, pembayaran dengan kartu kredit serta kartu debit/kartu ATM. Meskipun teknologi yang digunakan berbeda-beda, namun kesemua cara pembayaran elektronis yang disebutkan di atas selalu terkait langsung dengan rekening nasabah bank yang menggunakannya. Dalam hal ini setiap instruksi pembayaran yang dilakukan nasabah dengan menggunakan salah satu cara pembayaran tersebut selalu memerlukan proses otorisasi untuk kemudian akan dibebankan langsung ke rekening nasabah yang bersangkutan. Saat ini, di beberapa negara telah mulai dikenal instrumen pembayaran elektronis yang dikenal sebagai electronic money atau sering disebut dengan e-money, yang karakteristiknya sedikit berbeda dengan pembayaran elektronis yang telah disebutkan sebelumnya karena pembayaran dengan menggunakan e-money tidak selalu memerlukan proses otorisasi untuk pembebanan ke rekening nasabah yang menggunakannya. Hal ini dikarenakan pada e-money tersebut telah terekam sejumlah nilai uang. Dengan karakteristik tersebut, pada prinsipnya seseorang yang memiliki e-money sama dengan memiliki uang tunai. Hanya saja nilai uang tersebut dikonversikan dalam bentuk elektronis. Dalam salah satu laporan yang diterbitkan oleh BIS pada bulan Oktober 1996, e-money didefinisikan sebagai produk-produk stored-value atau prepaid dimana sejumlah dana disimpan secara elektronis dalam suatu peralatan elektronis yang dimiliki oleh seseorang. ‘Nilai elektronis’ ini dapat dibeli oleh seseorang dan tersimpan dalam peralatan elektronis miliknya dimana nilainya akan berkurang pada saat digunakan untuk melakukan pembayaran. Berbeda dengan kebanyakan single-prepaid card yang ada saat ini (seperti kartu telepon), e-money dimaksudkan untuk berbagai keperluan pembayaran. Dilihat dari media yang digunakan, secara umum ada dua tipe produk e- money yaitu :<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">a.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> <span class="Apple-style-span" style="font-size: small;"> a.</span> </span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Prepaid Card (disebut juga electronic purses), dengan karakteristik sebagai berikut :<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">1)<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> <span class="Apple-style-span" style="font-size: small;">1. </span> </span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">‘Nilai elektronis’ disimpan dalam suatu chip (integrated circuit) yang tertanam pada kartu.<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">2)<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> <span class="Apple-style-span" style="font-size: small;"> 2.</span> </span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Mekanisme pemindahan dana dilakukan dengan meng-insert kartu ke suatu card reader.<o:p></o:p></span></div><div class="MsoListParagraphCxSpMiddle" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoListParagraphCxSpLast" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-indent: -18pt;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">b.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> <span class="Apple-style-span" style="font-size: small;">b. </span> </span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Prepaid software (sering disebut juga digital cash), dengan karakteristik sebagai berikut :<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"> 1) ‘Nilai elektronis’ disimpan dalam suatu hard disk komputer.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"> 2) Mekanisme pemindahan dana dilakukan melalui suatu jaringan komunikasi seperti Internet, pada saat melakukan pembayaran. Perkembangan e-money di berbagai negara telah menimbulkan issue seputar implikasinya terhadap kebijakan bank sentral, antara lain implikasi terhadap kebijakan moneter, pendapatan seigniorage bank sentral, kelembagaan yang dapat menerbitkan e-money, security, dan money laundering. Berbagai studi mengenai implikasi pengembangan e-money tersebut telah dilakukan, diantaranya oleh BIS. Pada bulan Oktober 1996 BIS menerbitkan laporan hasil kajiannya yang berjudul “Implications for Central Banks of The Development Electronic Money”. Dalam melakukan transaksi pembayaran dapat dilakukan dengan 2 cara yaitu dengan cara tunai/cash dan credit/berkala setiap transaksi pembayaran baik cash ataupun credit memerlukan tahapan sistematis yang berfungsi untuk mempermudah system pembayaran, diatas telah disebutkan fungsi dari masing masing cara dan teknik pembayaran.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoListParagraph" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">A.<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span></b><b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Surat Keterlambatan Pembayaran<o:p></o:p></span></b></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Bagi kebanyakan orang berhutang dan mengumpulkan hutang adalah pekerjaan yang mudah, namun hal tersulit didapatkan pada saat pembayaran. Bukti tertulis juga diperlukan untuk proses administrasi dalam pembayaran. Dalam transaksi pembayaran biasanya seorang mengunakan dua cara yaitu dengan cara cash dan kredit. Dibawah ini akan dijelaskan format surat keterlambatan pembayaran. Didalam melakukan transaksi jual beli barang dengan metode pembayaran berkala. Dapat menimbulkan keterlambatan pembayaran bagi konsumen, sekedar mengingatkan konsumen dengan cara mengirim surat, dan memberitahukan batas waktu pembayaran, dan peringatan-peringatan agar konsumen sadar dan kembali melakukan transaksi. Pada artikel ini, kami akan menjelaskan bagaimana Anda dapat menulis surat keterlambatan pembayaran dengan bantuan contoh surat pembayaran dan format yang sama.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoListParagraph" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify; text-indent: -18pt;"><span lang="EN-US" style="font-family: Symbol; font-size: 12pt; line-height: 18px;">·<span style="font: normal normal normal 7pt/normal 'Times New Roman';"> </span></span><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Format Surat Pembayaran<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Sebelum kita melihat contoh surat keterlambatan pembayaran, kami akan mencoba dan memahami bagaimana membuat konsep surat pembayaran dengan bantuan format yang sama.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Your Name<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Your Organization<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Organization's Address<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Date<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Name of Addressee<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Addressee's Designation<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Address<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Reference: In a brief and concise manner, mention the subject of this letter.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Salutation/Greetings<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Dear Ms./Mr. (addressee)/ To whomsoever it may concern<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">In the first introductory paragraph, mention why you are writing this letter which is to remind the addressee that their payment is overdue for the bill that your firm has sent across on an earlier date. Do mention the date on which your firm had sent the invoice to the addressee. Also remember to send another invoice as an enclosure with the letter with the updated overdue amount.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">The second paragraph should have a request for the payment of the amount by the date as specified by the company. Mention both the amount and the date by which the addressee has to make the payment. Mention that your organization will be forced to take legal action in case the addressee does not make the payment in the time period specified.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">In the third paragraph, mention that you believe that legal action would be unnecessary. Also mention that the letter should be ignored in case the payment has been made already. Give your contact details in case the addressee needs to contact you for anything.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Valediction/Goodbye<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Yours sincerely,<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">(Signature)<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">(Your name)<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><b><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Contoh Surat Pembayaran<o:p></o:p></span></b></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Di bawah ini diberikan contoh surat pembayaran mengikuti format surat pengingat keterlambatan pembayaran yang diberikan di atas. Contoh surat pembayaran hanya berfungsi untuk menjelaskan format yang lebih baik, sehingga tidak ada keraguan dalam pikiran Anda tentang bagaimana surat tersebut harus dirancang<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Carla Dorian<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Accountant, Mssrs. Samson and Lithgowe<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Oak Street, Devon<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">California - 242527<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Date: September 20th 2011<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Ashley Hamilton<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">3452 - Garden View<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Elm Street, Devon<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">California - 242568<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Reference: Late Payment Reminder, Invoice # 548520<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Dear Ms Hamilton,<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">This letter serves as a reminder that you have an outstanding payment of USD 2500 on the invoice # 548520 which was sent to you on the 14th of August, 2011. We are yet to receive this payment from you. We have enclosed another copy of the invoice with this letter for your reference.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">I request you to make full payment for the amount of USD 2500 by the 1st of October 2011. In case the payment is not made by the first of next month, the company will be forced to take legal action against you to recover the debt incurred by you.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">We believe that legal action would be completely unnecessary and therefore, request you to make the payment as soon as possible. Please disregard this letter in case you have already made this payment.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Thank you for your cooperation. We hope that your association with us continues in the future.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Thanking you,<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Yours sincerely<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">(Signature)<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Carla Dorian<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Accountant, Mssrs Samson and Lithgowe <o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Dalam kasus surat keterlambatan pembayaran diatas bercerita tentang ajuan tentang permohonan surat dan perlu lebih banyak waktu untuk melakukan pembayaran ke perusahaan yang bersangkutan, maka Anda harus mengirimkan surat untuk menjelaskan situasi Anda kepada mereka. Meskipun surat itu akan memiliki alasan pribadi, itu adalah bentuk tulisan bisnis dan harus dirancang secara profesional. Surat pembayaran sampel yang diberikan dalam artikel ini merupakan format surat yang sangat generik. Tergantung pada berapa banyak pengingat yang telah dikirim sebelumnya, nada surat itu dapat berkisar antara sopan dan berwibawa. pada pembayaran umumnya mengenai kesalah pahaman dan permohonan keringanan dan tambahan waktu dalam melakukan pembayaran atau karena krisis keuangan, jadi diperhatikan tata cara penulisan surat pengajuan kepada pihak terkait agar permohonan anda dapat diterima dan diberi keringanan..<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Example Payment Request (Contoh Permohonan Pembayaran)<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;"><br />
</span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Sampson's Stationary<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">30 Silverstone Ave<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Kamloops, BC<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">V2A 8B1<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Tel:250-429-0002<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">February 21st, 20--<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Mr. Ken Davis<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Hanson's Montessori School<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">15 Main St.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Kamloops, BC<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">V2A 7B5<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Our ref: #223<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Dear Mr. Davis:<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Outstanding Invoice<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Our records show that you have an outstanding balance dating back to January, 200-. Your January invoice was for $445.00 and we have yet to receive this payment. Please find a copy of the invoice enclosed.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">If this amount has already been paid, please disregard this notice. Otherwise, please forward us the amount owed in full by March 1st, 20--. As our contract indicates, we begin charging 5% interest for any outstanding balances after 30 days.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Thank you in advance for your cooperation. We hope to continue doing business with you in the future.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Sincerely,<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Maria McPhee<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Maria McPhee<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Accountant<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Enclosure: Invoice #223<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Latter Payment<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">A letter of payment is a letter that accompanies a payment for a product or service previously acquired. For example, if your business bought 30 new computers, and the payment was due on November 30th, you would send a check or other form of payment, along with a formal letter of payment, to the business or individual you bought them from. The letter of payment specifies whom the payment is from and what the payment is for.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Tips for writing a letter of payment<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">- Make sure you state explicitly what the payment is for<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">- Make sure you include the transaction information in your letter to make it easier for the recipient to process.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Sample letter of payment<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Garrison Computers<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">1998 Hill Haven Drive<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Fort Hood, TX 76541<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Dear Garrison Computers,<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Enclosed you will find a check for the sum of $15,000. This payment is for the 30 computer workstations Home Computing Inc. received on November 1st, 2009, transaction #456533. This amount should be enough to pay all outstanding accounts Home Computing Inc. has with Garrison Computers<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">We thank you for your great service, and if we ever need any more computers, Garrison Computers is the first place we will order from.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Sincerely,<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Home Computing Inc.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Most people tend to view the entire task of letter writing as difficult because on most occasions people are unsure of how to draft a proper letter. This becomes doubly true in case of letters that are written for professional reasons, especially letters written to reject someone or to collect debts, in short those letters that have a certain negative connotation to them. Trying to get someone to pay off their debts, especially someone who is a habitual defaulter is very difficult and in most cases you need to resort to legal action but courtesy demands that you send out a late payment letter that will ensure that the addressee knows that he has defaulted on a payment. Such a letter also works as a proof that the addressee has been informed of his misdemeanor on several occasions and had still failed to make the necessary payments to clear his debt. A late payment letter example serves as a good guideline for someone who needs to learn how to draft a payment letter. It is also a good idea to refer to a payment letter template which also details on what should and should not be included in a late payment reminder letter.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Payment Letter Template<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">In order to write a good payment letter, you can always refer to a request payment letter example but that increases the chances of just replacing details. In case you want to draft the letter on your own you should look up a payment letter template that will serve as a format of how a payment letter should be drafted.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Your Name<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Your Organization<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Organization's Address<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Date<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Name of Addressee<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Addressee's Designation<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Address<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Reference: This is the section where in brief and concise terms you will mention the subject of the letter. In this specific case of a late payment letter you can mention the bill or invoice number.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Salutation/Greetings<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Dear Ms./Mr. (addressee)<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">The very first paragraph of the letter needs to introduce to the addressee the reason for which the letter is being written. Without being aware of what the letter is about it is impossible for the addressee to react at all. The addressee needs to be informed that they have defaulted on their payment on the bill that has been mentioned. You need to mention that a letter has been sent to the addressee before, which received no response. Mention the date on which this letter was sent. It is important that you send out a copy of the bill along with this letter in case the earlier copy has been misplaced.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">The second paragraph needs you to point out the transgression and express in clear terms that in case the bill is not paid by a certain date, then your organization will be forced to take legal action against the addressee. To avoid this the addressee needs to pay the amount of the bill by a specific date which should be specified in this paragraph of the letter.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">In the final paragraph of the letter, ensure that you apologize for the inconvenience in case the addressee has already paid the bill. Also mention that your organization is sure that the non payment of the bill is a misunderstanding and that you are sure that legal action will be unnecessary. At the end of the letter it is absolutely important that the person writing the letter mentions contact details enabling the addressee to contact you in case of any clarification.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Valediction/Goodbye<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Yours sincerely,<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">(Signature)<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">(Your name)<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Payment Letter Example<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">You now know what the proper format of a payment letter should be. In order to understand the payment letter template, you can take a look at the payment letter sample given in this section that will elucidate to you how such a letter is drafted.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Alexa Ivanova<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Accountant, Mssrs. Garcia and Botham<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Sunset Boulevard, Cook County<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Illinois - 505745<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Date: August 19th 2010<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Henry Moffett<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">5463 - Oak View Park<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Elm Street, Cook County<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Illinois - 505957<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Reference: Late Payment Reminder, Bill No # 4582655<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Dear Mr. Moffett,<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">This is with reference to the bill no # 4582655. As has been conveyed to you through our previous correspondence to you, our organization is still awaiting a payment of USD 3500 from you on bill no # 4582655. We are yet to receive any payment on this bill and have not received any other intimation from you either. With this letter we are enclosing a duplicate of the bill mentioned herein for your reference.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Our company policy dictates that all bills need to be paid within a month of any kind of business conducted between the two parties. This is the third letter that our organization is sending you regarding the defaulted payment of USD 3500. We request you to kindly send out the payment to us by the 30th day of August. In case the payment is not made on this occasion we will be reluctantly forced to take legal action.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">We truly believe that legal action of any sort will not be needed and we are sure that this default on payment is a result of misunderstanding. We request you to therefore make the payment on bill no # 4582655 as soon as possible. Please ignore this letter in case you have already made the payment. In such a case we would like to apologize for the error of sending out this letter to you. In case you need to clarify something and need to contact us, our details are available on the bill enclosed with this letter.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">We thank you for your cooperation and hope that you will continue to do business with us in the future as well.<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Thanking you,<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Yours sincerely<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">(Signature)<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Alexa Ivanova<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">Accountant, Messrs. Garcia and Botham<o:p></o:p></span></div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><br />
</div><div class="MsoNormal" style="margin-bottom: 0px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right: 0px; padding-top: 0px; text-align: justify;"><span lang="EN-US" style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 18px;">In any form of business writing it is important that you do not come across as rude or impolite even in a situation where you are writing a letter to collect payments. Any good payment letter example will tell you how to walk the fine line between being polite and authoritative without sounding crude and uncivil. It is possible that the addressee has defaulted on the payment due to a personal crisis of some sort. In such a case it is important that you be understanding while drafting the letter.</span></div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-4377890121767700412011-12-31T20:06:00.001+07:002019-01-30T23:05:17.965+07:00English Bussiness Letter (Payment Letter)<div dir="ltr" style="text-align: left;" trbidi="on"><br />
</div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-61425877528744369852011-12-29T21:44:00.000+07:002011-12-29T21:44:45.589+07:00Di Manakah Armadillo Raksasa Ditemukan?<div dir="ltr" style="text-align: left;" trbidi="on"><br />
<div style="text-align: justify;">Tulisan 15 Bahasa Inggris Bisnis 1#</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span class="Apple-style-span" style="font-size: x-large;">A</span>rmadillo raksasa merupakan versi superbesar dari armadillo biasa. Binatang liar ini ditemukan di kawasan hutan asli di Amerika Selatan. Karena bianatang ini hidup soliter dan munculnya pada malam hari (nokturnal), keberadaannya jarang diketahui.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Dengan besar tubuh dua kali armadillo biasa, armadillo raksasa (“Priodontes maximus”) menghabiskan waktunya di liang-liang bawah tanah. Mereka memakan serangga, ular, kalajengking, cacing, dan kadang-kadang tumbuhan. Toh, makanan favoritnya adalah rayap. Seekor armadillo raksasa bisa melahap semua populasi rayap dalam sebuah gundukan.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Berat rata-rata seekor armadillo raksasa sekitar 27 kg dan panjangnya sekitar 1 meter (sepertiganya adalah buntutnya). Tubuh armadillo raksasa diselimuti kulit keras, kuku kaki depannya yang panjang digunakan untuk menggali lubang dan menarik makanan.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Sejumlah ilmuwan melakukan ekspedisi yang memakan waktu sekitar 10 minggu untuk melihat keberadaan jewan raksasa yang pemalu ini di Pantanal, kawasan lahan basah di perbatasan Bolivia, Brasil, dan Paraguay. Dengan menggunakan jebakan berkamera otomatis, para ilmuwan mampu mengambil gambar sejumlah armadillo raksasa. Hal ini diharapkan bisa membantu para peneliti untuk lebih memahami perilaku hewan ini dan menaksir populasinya.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Sumber : Kompas, 20 Nov’2011</div><div style="text-align: justify;"><br />
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</div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-73812382947147499632011-12-29T21:41:00.000+07:002011-12-29T21:41:09.936+07:00Manfaat air putih bagi tubuh<div dir="ltr" style="text-align: left;" trbidi="on"><div style="text-align: justify;">Tulisan 14 Bahasa Inggris Bisnis 1#</div><div style="text-align: justify;"><br />
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<div style="text-align: justify;"><span class="Apple-style-span" style="font-size: x-large;">M</span>inum air putih terkadang hanya dianggap sebagai kewajiban dan kebiasaan. Tak jarang kita lebih memanjakan kepentingan lidah yang pada akhirnya menggantikan air putih dengan minuman manis atau rasa lainnya.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Padahal, kita sering diberi tahu oleh orangtua kita bahwa air putih bukan hanya sebagai pelepas dahaga, tetapi juga penting bagi kesehatan organ tubuh manusia. Minum air putih tidak hanya baik dilakukan saat bangun tidur, tetapi juga sebelum tidur.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Banyak orang juga mengabaikan konsumsi air outih pada saat bangun tidur. Padahal, saat tidur, aktivitas tubuh tidak berhenti bekerja. Metabolism sel-sel terus berjalan, dan air dalam tubuh membantu sel-sel bekerja sehingga aka nada air yang terbuang dalam prosenya. Berikut ini adalah manfaat air putih bagi tubuh.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Minum air putih dapat meningkatkan energy. Dengan mengonsumsi air putih pada pagi hari setelah bangun tidur, metabolism kita bisa meningkat sehingga membantu seseorang lebih waspada dan segar. Saat tidur, tubuh kita mengalami dehidrasi. Agar tubuh bisa kembali optimal, diperlukan asupan air.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Minum air putih pada pagi hari juga membantu meringankan fungsi ginjal dalam menghilangkan racun serta produk buangan dari dalam system tubuh. Hal ini dikarenakan saat tidur, tubuh tidak mendapatkan asupan cairan.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Menurut Mara Z Vitolins, seorang ahli nutrisi dari Wake Forest University Baptist Medical Centre, umumnya tubuh tidak bisa membedakan antara rasa lapar dan haus. Oleh karena itu, konsumsi air minum bisa membantu membedakan hal tersebut.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Jika seseorang minum air putih saat sedang lapar akan terlihat adanya penurunan nafsu makan, sehingga membantu menurunkan berat badan dan menghindari konsumsi minuman lain yang tinggi gula, kalori, atau kafein. Minum air putih secara teratur juga bisa mempercantik kulit karena membantu memberihkan racun dari tubuh.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Walaupun 70 persen tubuh kita terdiri dari air dan memiliki kebutuhan air yang tinggi, tetapi minum air putih juga tidak boleh berlebihan karena justru bisa membebani Anda lebih sering ke kamar mandi, dan berefek buruk bagi fungsi jantung dan ginjal. </div><div style="text-align: justify;"><br />
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</div><div style="text-align: justify;">Sumber : Kompas, 20 Nov’2011</div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-41709333518163388502011-12-29T21:36:00.000+07:002011-12-29T21:36:43.409+07:00Alasan Kulit Bayi Sensitive<div dir="ltr" style="text-align: left;" trbidi="on">Tulisan 13 Bahasa Inggris Bisnis 1#<br />
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<div style="text-align: justify;"><span class="Apple-style-span" style="font-size: large;">K</span>ulit bayi memang sensitive. Saying, belum banyak orangtua yang peduli terhadap hal ini. Padahal, ada beberapa produk khusus bayi yang bisa Anda gunakan.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span class="Apple-style-span" style="font-size: large;">B</span>icara tentang kulit bayi, ada yang disebut dengan kulit sehat dengan lapisan pelindung yang disebut mantel asam, (pH 5,5). Mantel asam ini sangat penting untuk mendukung fungsi lapisan kulit paling luar serta melindungi bagian dalam tubuh manusia dari iritasi lingkungan dan dehidrasi.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span class="Apple-style-span" style="font-size: large;">K</span>etika bayi menggunakan sabun atau produk perawatan lain yang nilai pH-nya tak sesuai dengan nilai pH alami kulit, bisa menyebabkan lapisan mantel asam kulit rusak, kulit menjadi kering, dan bakteri-bakteri leluasa berkembang biak merusak kulit bayi.</div><br />
Sumber : Kompas, 20 Nov’2011.<br />
</div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-33368029727211551352011-12-29T21:34:00.000+07:002011-12-29T21:34:43.115+07:00Agar Kulit Tetap Cantik<div dir="ltr" style="text-align: left;" trbidi="on">Tulisan 12 Bahasa Inggris Bisnis 1#<br />
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<br />
<div style="text-align: justify;"><span class="Apple-style-span" style="font-size: large;">K</span>ulit cantik menjadi idaman setiap manusia, terutama perempuan. Namun, kulit cantik bukan semata kulit yang putih. Kulit yang baik adalah kulit yang terjaga kelembabannya sehingga terlihat bersinar dan bersih. Kelembaban adalah kunci utama kulit agar tetap terlihat sempurna.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span class="Apple-style-span" style="font-size: large;">K</span>ulit yang cemerlang dapat mempercantik penampilan seseorang. Untuk mendapatkan kulit yang cantik, Anda tidak hanya harus menggunakan pelembab secara teratur. Ada beberapa cara yang bisa Anda lakukan untuk tetap menjaga kelembaban kulit.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span class="Apple-style-span" style="font-size: large;">S</span>ebelum tidur, Anda bisa mulai menggunakan serum atau minyak zaitun sehingga saat bangun pagi, kulit akan terasa lebih kenyal dan segar. Pilihlah lotion tabir surya atau sun protection yang mengandung pelembab ekstra. Hal ini dikarenakan hanya sedikit tabir surya yang mengandung formula pelembab. Jangan mementingkan body lotion yang memiliki aroma yang harum saja tanpa mampu melembabkan kulit tubuh. </div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span class="Apple-style-span" style="font-size: large;">P</span>astikan body lotion Anda memiliki kualitas dan mampu menjaga kelembaban kulit dalam waktu lama. Anda juga bisa memakai krim foundation yang lebih bisa melembabkan kulit. Tak perlu takut menggunakannya asal Anda mengoleskannya dengan tipis.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span class="Apple-style-span" style="font-size: large;">K</span>ulit di bawah mata merupakan bagian kulit yang sering mengalami kekeringan. Agar hal ini tidak terjadi, Anda bisa menggunakan krim mata secara teratur agar tidak menjadi keriput seiring bertambahnya umur. Krim mata dengan vitamin A, C, E atau K akan membantu memperbaiki kulit serta mencerahkan daerah lingkar mata hitam.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><span class="Apple-style-span" style="font-size: large;">S</span>elalu usahakan mandi dan mencuci muka setelah bepergian. Hal ini guna mengangkat kotoran, debu, maupun make up dari tubuh dan muka Anda. Yang terpenting, selalu sempatkan diri Anda untuk menikmati hidup. Cobalah meraa bahagia supaya wajah Anda terasa lebih segar.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;"><br />
</div>Sumber : Kompas, 18 des’2011<br />
</div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-275125135297296142011-12-29T21:32:00.000+07:002011-12-29T21:32:24.118+07:00Pakaian Aman untuk Hindari Alergi<div dir="ltr" style="text-align: left;" trbidi="on">Tulisan 11 Bahasa Inggris Bisnis 1#<br />
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<div style="text-align: justify;"><span class="Apple-style-span" style="font-size: x-large;">K</span>ulit bayi yang lebih sensitive dibandingkan dengan kulit orang dewasa membuatnya rentan terserang alergin kulit. “Hindari penggunaan kosmetik pada bayi dan gunakan produk dari dokter jika ada kebutuhan khusus,”ujar ahli kesehatan Ni Ketut Prami Rukmini.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">“Alergi adalah jenis penyakit yang akan terus dibawa seumur hidup, tetapi manifestasinya berubah ubah, “tambahnya. Alergi yang dialami bayi pada usia 6 bulan akan berbeda ketika ia berusia 1 tahun. Kondisi tersebut dapat dilihat pada allergy march, yakni perjalanan alamiah penyakit alergi yang timbul sesuai dengan perkembangan usia.</div><div style="text-align: justify;"><br />
</div><div style="text-align: justify;">Salah satu cara untuk menghindari alergi kulit pada bayi adalah menggunakan pakaian yang nyaman dan sehat. Pilih pakaian yang lembut dan berbahan katun sehingga dapat menyerap keringat.</div><br />
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Sumber : Kompas, 18 Des’2011<br />
</div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0tag:blogger.com,1999:blog-7598156458727071706.post-46951060405071647452011-12-29T21:29:00.000+07:002011-12-29T21:29:23.666+07:00Tips Mencegah Influenza<div dir="ltr" style="text-align: left;" trbidi="on">Tulisan 10 Bahasa Inggris Bisnis 1#<br />
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<span class="Apple-style-span" style="font-size: large;">S</span>elain menjaga kebugaran tubuh, ada beberapa cara lain untuk mencegah diri terserang virus influenza.<br />
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<ol style="text-align: left;"><li style="text-align: justify;">Membersihkan tangan sebelum dan sesudah makan, setelah bersin dan batuk, dari toilet, menyentuh benda di tempat umum, seperti gagang pintu, rail tangga, dan lain-lain.</li>
<li style="text-align: justify;">Usahakan tutup mulut dan hidung dengan tisu ketika batuk atau bersin. Kemudian buang tisu tersebut dengan segera. Jika tidak ada tisu, batuk atau bersin kea rah bagian dalam lengan atau siku. Jangan lupa, berpaling kea rah lain waktu bersin atau batuk.</li>
<li style="text-align: justify;">Jangan batuk atau bersin ke telapak tangan karena menutupi batuk bersin dengan telapak tangan mungkin tampak sopan. Akan tetapi, itu menambah kemungkinan menularkan kuman ke orang lain baik secara langsung (jabat tangan) atau tidak langsung (gagang pintu, dan lain-lain).</li>
<li style="text-align: justify;">Social distancing adalah strategi mencegah penyakit, yang ingin dihindari seperti hubungan dekat dengan kelompok orang atau pertemuan besar, hubungan fisik biasa dengan orang, dan tempat-tempat umum. Secara umum, jaga jarak minimal sekitar dua meter untuk mengurangi risiko penularan penyakit.</li>
</ol><br />
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Sumber : Kompas, 18 Des’2011<br />
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</div></div>Siti Noer Bayanahttp://www.blogger.com/profile/13916239986712847096noreply@blogger.com0