21 Apr

Semester I, BRI Profit Reached Rp 10 Trillion

PT Bank Rakyat Indonesia (Persero) Tbk, recorded a net profit of Rp 10 012 trillion in the first half of this year. »This positive growth trend,” said Director of Business SME Bank BRI Djarot Kusumayakti in exposure in the financial performance of Bank BRI headquarters in Jakarta, Tuesday, July 30, 2013.
When compared with the same period last year, profit rose 16.3 percent this year. In the first half of 2012, BRI Bank recorded a profit of Rp 8.61 trillion.
The increase in profit was supported by 26.4 per cent credit growth and fee-based income growth of 22.6 percent. BRI’s micro credit growth year on year in this period reached Rp 122.08 trillion, an increase of RP 25.49 trillion from the same period last year.
»We managed to maintain credit quality, as reflected by the level of micro-credit NPL of 0.46 percent,” he said. The micro credit growth followed by growth in the number of micro borrowers who reach 5.9 million people.
Meanwhile, in terms of funding, the growth of third-party funding (TPF) BRI also rose. As of the end of June 2013 BRI total third party funds reached Rp 439 trillion, up 18.3 percent year on year. DPK acquisition BRI dominated by retail store, »This is evident from the number of savings accounts until the end of June 2013 reached about 37 million accounts,” said Djarot.
The fee-based income increased by 22.6 percent of BRI, with the highest growth of e-banking transactions grew by 72.2 percent year on year. E-banking users BRI products, such as ATM, SMS Banking and Internet Banking showed an increasing trend.
For ATM, Djarot explained, users reached 18 in the first half of this period. While users of SMS Banking in the same period reached 4.28 million people, and internet banking users reached 640 thousand customers.
The increase in fee-based income is inseparable from the development of IT infrastructure and e-banking features along with the expansion of e-channels and outlets. In addition to e-banking transactions, he explained, the growth of fee-based income derived from fee BRI also obtained from trade finance, which in the same period grew by 70.7 percent.
Previously, PT Bank Central Asia Tbk (BBCA) announced a net profit after tax in the first half 2013 consolidated valued at Rp 6.3 trillion. This acquisition supported by growth in net interest income and other operating income increased 22.5 percent in the same period in the previous year.

21 Apr

Get Exercise Help From Personal Fitness Trainers

If you have put off joining a gym because you do not think that you will be able to get in shape on your own, then consider the possible advantages of using the personal fitness trainers available at most fitness clubs. These trained experts offer many different approaches to exercise that might entertain you while you work out. These fitness professionals can also provide a lot of motivation to keep you from losing interest in your exercise regimen.

Programs Offered at a Typical Fitness Club

Group fitness opportunities abound at most gyms. These groups are attractive to both novices and experienced gym members for several reasons. They appeal to a wide swath of members with their varying focuses and settings. They also offer people the motivation that comes naturally with joining a group. Once you are in such a group, you know that the desire to keep up with your meetings will compel you to be faithful to your regimen. A lot of members also simply enjoy the social aspect of working out with others rather than doing it alone. Here are some of the different groups that you can find in most gyms:

Cardio Workouts These exercises try to get your blood racing. The idea is to make you breathe fast and expend energy while you exercise your cardiovascular system. Personal fitness trainers try dance moves and running to make this happen.

Cycling The impact of cycling is similar to cardio but it adds to the excitement of a bicycle. Spinning is a variant of cycling that combines cardiovascular exercise with strength training and avoids a lot of the usual strain on the back.

Strength Training These workouts focus on building muscles through weight lifting and isometric exercises. This is not just for body builders. Studies have shown that strengthening exercises are actually the best way to burn calories and bring about overall good health.

Mind and Body Some group workouts try to achieve mental fitness as well as physical fitness. Classes such as yoga and tai chi can help fitness club members strengthen their minds while they strengthen their bodies.

Bootcamp Some people need extreme motivation from their groups. Personal fitness trainers craft bootcamp scenarios to give their clients this extreme motivation. Most of them focus on high-intensity work outs that burn calories fast.

Personal Training

Not everyone is a social butterfly. Some have special needs or concerns about their workout that they do not want to share with a group. That is why a typical fitness club will offer you the chance to hire a personal fitness trainer to work with you one-on-one. You can experience all the varied exercises that the groups experience without the social pressure.

21 Apr

Understanding Mobile Technology Jargon

However, if you do look around but are absolutely zapped by weird abbreviations and decimal numbers added to even more absurd names (who in Gods good name calls a technology Bluetooth and on that tops it up with a few numbers also, and has anybody ever seen a tooth in the color blue and what is the connection anyway?!!), then fret not. Here is an attempt to simplify the most common of the complex mobile phone technology jargon which would make it look a lot less scary the next time you read about it!

GSM: Stands for Global Systems for Mobile communications. GSM is a network on which the mobile phones operate and get global roaming access. It is the most popular network throughout the world.

CDMA: Stands for Code Division Multiple Access. It is a mobile phone network that allows users to use the full spectrum of the network. It uses a special coding scheme and provides has a very high capacity.

WCDMA: Stands for Wideband Code Division Multiple Access and is the base network for the latest 3G technology.

3G, UMTS: 3G stands for third generation-third generation of cellular technology that is. The new guidelines for the third generation will enable a much faster high-speed internet, and audio video streaming. The 3G technology in the UK is called UMTS or Universal Mobile Telecommunication System.

HSDPA: Stands for High Speed Downlink Packet Access. It is an enhancement in the 3G technology that provides internet access on mobile phones at never before speeds.

WAP: Stands for Wireless Application Protocol. This is the technology that allows special, small web pages to be viewed on a mobile or PDA screen.

PDA: Stands for Personal Digital Assistant. It is like a mini computer big enough to fit in your palm. A PDA phone is a gadget with the combined features of a mobile phone and a PDA.

Bluetooth: Bluetooth is the trademark name given to a wireless connectivity technology. It enables transfer of data through different devices like mobiles, computers etc without the hassle of wired connections.

WiFi: Stands for Wireless Fidelity. It is a wireless networking Technology where all the devices which have it enabled get connected to internet through a router and a modem without any wires attached. Any user close to the access point in a WiFi enabled area can get instant connectivity with the internet.

A2DP: Stands for Advanced Audio Distribution Profile. It is the technology that enables the streaming of high quality audio from one device to another through Bluetooth.

These were a few of the mind boggling terms hitting you from all directions while checking the specifications of any of the latest mobile phones. Hopefully, now you will be able to differentiate a WiFi from a Bluetooth and would not clinch and move on hurriedly after reading terms like HSDPA, WAP or 3G! So, go ahead and check the features and reviews of that new mobile phone you have been eyeing with far greater ease.

21 Apr

What Does web Hosting Mean

The term web hosting is used for the business of providing a space or server and maintaining files for one or more websites on the World Wide Web. web hosting is sometimes also termed as web site hosting. It is a type of internet hosting service that allows individuals and organizations to store their information, images, videos or any other contents and make them accessible thru WWW. Web hosting makes websites accessible through internet. The professionals that offer web hosting services are called web hosts.

Web hosts provide services and latest technologies required for the websites to be viewed on web. They offer data center space as well as connectivity to the Internet for servers. web hosting can be categorized as free hosting, image hosting, shared hosting, clustered hosting, reseller hosting, dedicated hosting, collocated hosting and file hosing.

In web hosting, files can be uploaded through FTP or web interface. Consumers can seek web hosting service after acquiring dial-up or broadband access to the Internet. It is provided to the consumers in various formats based on their requirements. The web hosting services for professional purposes offer commercial package including business tools, sales packages and credit card processing. Dedicated and managed web hosting is great for sophisticated needs of the customers.

The prices for web hosting services are different for different packages. It can be ranging from free to hundreds of dollars. The web hosing for personal websites doesnt require special tools, and thats why it is available at free of cost. It doesnt have large number of viewers. There are several limitations of free web hosting; like it lets you to run banner ads only. The web hosing for ecommerce websites is usually paid.

Some Internet service providers offer paid services for hosting. Generally paid hosting services are good because they provide a reliable and reasonable set of qualities that includes domain name personalization, service depth and high quality services. It includes dedicated hosting, shared and managed hosting. But, before making final arrangements to purchase web hosing, its always important to consider services or packages offered by different web hosts. Web hosts play an important role in web hosting. They offer web hosting packages at different prices. There are a number of web hosts offering web hosting services online.

21 Apr

Causes Of Error 823 In Sql Server And How To Fix It

Do you encounter Input/Output (I/O) errors while accessing a MS SQL Server database? Are you unable to run queries on or access data from MDF (Master Database File)? This behavior indicates system or hardware problems with SQL Server that corrupt the database and renders it inaccessible. It leads to critical data loss situations. In order to extract data from Microsoft SQL Server in such situations, you need to opt for solutions.

Hardware and system problems in SQL Server are generally indicated by an error message, similar to the following one:

Error 823
I/O error detected during at offset in file ”

You come across this error message when SQL Server attempts to read data from and write data to the database files. Format of this error message can be different, depending upon the version of SQL Server.

Cause

You come across this error message, if any of the below conditions are true:
Operating system error.
I/O logical check failure.
MS SQL Server database corruption.

If any of the above situations occur, it becomes essential to perform SQL Server Recovery by resolving it, to retrieve inaccessible data.

Solution

Try out the below things to fix up this issue, as per the cause of the the problem:

Operating system error: The read Windows API (Application Programing Interface) call or the write API call is unsuccessful and MS SQL Server experiences operating system errors, which is related to Windows API call. Run operating system integrity checking tools. Following is the example of operating system error:

2003-07-28 09:01:27.38 spid75 Error: 823, Severity: 24,
State: 2
2003-07-28 09:01:27.38 spid75 I/O error 1117 (The request could not be performed because of an I/O device error.) detected during read at offset 0x0000002d460000 in file ‘e:\program files\Microsoft SQL Server\mssql\data\mydb.MDF’
I/O check failure: If specified logical data checks are unsuccessful, you may encounter this problem. Run DBCC CHECKDB to solve this issue.
Database corruption: Restore the database from recent backup. If the backed is unusable, Recover SQL database through third-party applications.

The software are powerful enough to handle most of the database corruption issues. The applications use high-end scanning methods to ensure absolute recovery. They are incorporated with rich graphical user interface to provide quick and easy recovery.

SQL Recovery is the most advanced and powerful utility that is able to effectively handle all database corruption scenarios. The software works well with Microsoft SQL Server 2008, 2005, and 2000. It restores all MDF file objects such as tables, reports, forms, constraints, stored procedures, triggers, data types, and more.

21 Apr

How To Get Cheap Brand Name Hardwood Flooring

Discount hardwood flooring is available from all the major manufacturers of hardwood flooring materials. One form of cheap hardwood for flooring is engineered hardwood, but some of the discount brands are solid hardwood. This flooring is perfectly suitable for areas where you can nail, staple or glue the boards in place and is even suitable for placing over a concrete subfloor. Even with discount hardwood, you can really spice up areas of your home, such as the rec room or the workshop by buying the hardwood flooring at a cheap price. By buying discount hardwood flooring, you can have the floor or your dreams rather than buying laminate flooring.

If you buy sliced wood veneer when you buy cheap hardwood flooring, you still get the same ranges of choices in design, such as oak, maple, birch or other forms of wood. The discount hardwood flooring also has a hardwood backing, which adds to the durability of the flooring. At the same time, you can get cheap laminate flooring that looks almost like you have hardwood floors installed and is just as long lasting. The hardwood backing used for laminate flooring and cheap hardwood floors is selected mainly because of its expansion and contraction properties. This means that the lumber used was cut in both humid and dry weather conditions.

When manufacturers of discount hardwood flooring make the edge backing, they adhere to strict standards. For example, the factories apply the backing to cheap laminate flooring using an aluminum spine. The spine is stamped onto each piece of laminate flooring to make sure that each piece is stamped a precise 1.5 mm apart. This precision spacing for cheap hardwood flooring allows for flexibility in bending and twisting the planks.

You can select unfinished and prefinished hardwood when you shop for cheap hardwood flooring. Many people assume that discount hardwood flooring is unfinished and that they will have a lot of work doing the finishing themselves. However, this choice is a matter of personal taste and you do have the option of choosing either one when you want to buy at a discount. You will also have the same range of choices in the type of hardwood you want for your flooring as well as a choice of stains and finishes. With cheap laminate flooring, you do not have the choice of having the wood prefinished or unfinished, but you do have a wide range of choices in color.

The increasing cost of hardwood flooring means that many homeowners look for discount hardwood flooring. They may opt for cheap laminate flooring that uses a manufacturing process of sandwiching composite fibreboard material in between two sheets of melamine. This offers the same effect as hardwood flooring, but at a discount price. Some of the discount hardwood flooring uses an embossing feature that gives it a texture very similar to a real wood grain and this suits any dcor.

Learn about and at the site.

21 Apr

How To Stop Male Cats Spraying

Each and every time commences to back himself as much as a sofa or something else, lifts his leg and commences to pee – You may have one more mess to clean up. This difficulty is commonly called “Spraying” and it becomes very prevalent with an indoors cat. It might seem to be impossible, but it may be solved. Most kitten owners tend to feel that spraying is usually a result of your litter box problem, but instead it really is truly to complete with marking their territory. Feline urine is essentially a means of communication amongst cats – It could possibly mean “Back Off” or “I’m in Heat” for instance. Every cat includes a various smell, and that is used by cats to tell who is who.

So when a feline urinates in your own house, he is just marking his territory. It just lets other cats know the territory is his. It is why obtaining mad at your cat will solve almost nothing. In reality, getting angry might provoke the cat into making an attempt for making it clear that it is His house (Which it really is in his eyes) which indicates far more spraying.

As described, cats can use this to attract a mate. For cats in heat, spraying is surely an invitation for mating. Cats that spray in heat typically result in a very litter of kittens in just a few months. Cats not just spray in the course of heat however – Some will even spray in the course of encounters with other cats or when they are really stressed.

And of course, the smell for folks is horrible; precisely the same message for cats won’t switch properly across species. Cats would like to spray outdoors, and most cats do a majority of their spraying there. But when you preserve your cat within, then spraying is of course, an enormous issue. Should you discover your cat spraying – make sure you do something about it.

By far the most helpful strategy to stop your is to obtain him neutered or spayed, depending around the intercourse. Male cats that have been neutered frequently stop spraying very easily, at times within the similar time of day because the surgery. If you do not want your cat neutered/spayed, you need to search for other ways. Of course, should you need to breed your cat, will not have him/her neutered or spayed.

With this scenario your are going to would like to talk for your vet. She/he can provide you customized advice, and solve this problem without the need of your cat getting surgery. Your cat can be suffering from a medical difficulty, which your cat can identify. Do something about spraying as quickly because it starts – Cat urine stinks and can leave stains all above your home.

21 Apr

Receding Gum Treatment Including Dental Bone Graft Options

Many people today suffer from a variety of different problems with their teeth. Some have issues with their gums while others have problems with their teeth. Some are self inflicted while others may be the result of heredity. Receding gum treatment today may include dental bone graft as well as gum grafts for the patient.

When you need receding , your dentist might find that you also have bone loss. When you are trying to use dental implants, you will need that bone to have something to anchor them to. Using a dental bone graft, dentists can encourage more bone growth in the area and use the implants as the patient wanted.

For some, receding gum treatment can be quite extensive. It will depend really on the severity of problem. For some it might only be minor and can easily be corrected with the proper dental care. For others however, receding gum treatment might involve surgical procedures to repair the loss of the gum tissue in the area.

Treatment such as a dental bone graft will involve putting small pieces of bone into the jaw where the bone has been lost through whatever problem that has occurred. Many things can lead to bone loss including periodontal diseases as well as a recession of the gum line. When the bone is unprotected, it will begin to break down and dissolve. For some, this will mean they need a to replace the bone that has been lost.

Getting receding gum treatment can help to stop the loss of bone as well as improve the appearance of your smile. If you need a dental bone graft, you will find that after the healing process is complete you will have a better smile as a result. In addition receding gum treatment can improve your smile as well. Using the right dentist for a dental bone graft or receding gum treatment can offer a pain free way to improve your oral health overall.

In addition a dental bone graft can make it possible for you to use implants rather than dentures to replace the missing teeth. Everyone is likely to lose a few teeth to decay or injury during their lifetime. Having the ability to replace just one tooth without compromising the integrity of the others around the area will be important to many people.

21 Apr

Nespresso Coffee

In 1976 the technology that is used to brew Nespresso, some of the most expensive coffee cup for cup, was invented by the Nestle corporation in Switzerland. Since then the product has gone through many stages of development that have led us to a very popular product that brews perfect high-quality coffee with a rich layer of crema on top every single time. With coffee capsules that sell for one dollar each, Nespresso justifies its price with exceptional quality and has been becoming more and more popular worldwide in the past few years.

If you are wondering what the fuss is all about, consider how rare it is, whether it is at home or at a coffee shop, that a shot of espresso has that perfect layer of thick tan foam resting on top. This is known to coffee connoisseurs as crema, and is an indication of high quality coffee that’s been perfectly brewed. Once brewed, Nespresso has a full rich flavor and an aroma that wakes up the senses of coffee lovers, along with a beautiful layer of crema on every single cup.

There are several factors that are considered and a number of steps the Nespresso company takes to ensure that their coffee is so exceptional. These begin where one might expect, with the coffee.

The Highest Quality Coffee

Acquiring the perfect coffee is a very high priority for the people at Nespresso. It is the coffee that the customer drinks, and it is therefore the primary consideration when it comes to customer satisfaction. Second best just won’t do for Nespresso. To begin with, the firm only uses the best Grand Cru coffee. This terminology, generally used to describe the finest wines from the best regions is used by Nespresso to describe the top harvests from the greatest coffee regions in the world.

The beans used in the production of Nespresso coffee are chosen using a very specific methodology. Only the best beans from the top harvests are used, and the roasting and grinding of all of the beans is very closely monitored to make sure that the coffee comes out as it should.

In addition to this, Nespresso makes sure that it offers the variety its customers need by providing various coffees from many well known top quality sources to give their clients a wide variety of flavors and a wide variety in the level of intensity.

The coffee is sold in hermetically sealed aluminum capsules that measure the perfect amount of coffee, preserve its freshness, and are integrated optimally into the Nespresso coffee machines.

The Perfect Coffee Machines

The other thing that makes Nespresso Coffee loved all over the world is their coffee machines. The machines were created to be used with Nespresso capsules and only Nespresso capsules. There are many top quality coffee machines available, but Nespresso machines are unique.

Nespresso Machines Are Well Designed

The very first thing that you will notice about Nespresso machines if you look through a catalog or browse them in a store is that they are all very well designed. They are not only designed to make the perfect coffee but to be nice to look at. This makes them ideal for display both at home and at the office. The colors of the machines are well balanced and attractive and fit well at home or at the office.