Thursday, February 18, 2010

Punch Out WII

baru kemaren beli dan coba game punch out di wii...
secara g emang penggemarnya punch out dari jamannya nintendo (nes) dan juga di snes.. nyobain punch out di wii itu keharusan....
begitu di coba.... feel pertama... WOW.... keren...
gambarnya jauh lebih real daripada punch out sebelum2nya.. animasinya lebih banyak (gak monoton, jadi lebih berasa kaya tinju beneran..), gaya menang pun beda2 tergantung parahnya luka little mac (jagoannya)...
dan yang paling keren... muka musuhnya keliatan banget semakin bonyoknya kalau sering kita tinju... terlihat dari screenshot2 dari ign ini :





dan control nya juga semakin keren... ada 3 pilihan :
- pake wiimote dibalik jadi kaya pegang stick snes/ps... ini posisi paling enak buat maen.. karena emang dah terbiasa dari dulu maen pake stick...
- pake wiimote + nunchuck.. jadi lebih berasa tinju kanan kiri.. tapi agak lebih susah controlnya.. terutama kalu harus jab (tinju ke atas)...
- selain 2 diatas.. bisa ditambah dengan balance board wii buat menghindarnya.. bener2 berasa lagi tinju beneran.. cumanya shifting weightnya setengah mati di balance board.. mgkn karena g kaga balance kali... mgkn petinju beneran yang emang dah biasa shift weight yang bisa pake ini :p . Buat tambahan feel dan seneng2 bolehlah dipake sekali2... walaupun kalu mau maen sampe tamatin sih keliatannya impossible pake ini :D

anyway... buat yang punya wii dan belum main punch out.. segera beli dah.. bener2 rugi kalu blm cobain :)

Wednesday, January 20, 2010

Smart, internet yang......hampir smart.... (sayang baru hampir)

Setelah langganan smart sekian lama dari sekitar feb/mar 2009, ambil paket setahun... agak cape juga pakenya...

sebulan pertama sangat cepat dan memuaskan (bisa dapet speed antara 1-3 mbps atau 200-300 kBps rata2)... tapi lalu speednya terus turun drastis dengan puncaknya di agustus-september, yang katanya lagi maintenance jaringan (segitu lamanya ?) sehingga speed turun parah sampe <10 kbps bahkan rata2 dibawah 3 kbps.... dan sering <1 kbps

Selain itu udah 2x ini paket langganan setahun diubah jadi paket langganan bulanan biasa, sehingga kena potong pulsa sampe internet mati karena pulsa udah melebihi limit pemakaian 200rb-an lebih (dan baru tau setelah internetnya mati, karena emang gak pernah dipakai telp, dan kirain unlimited internet jadi gak pernah diperiksa). Lebih menyebalkan lagi kejadiannya selalu di hari jumat sore (jadi kena weekend, yang mana benernya mau dipake seneng2, tapi internet mati, dan tim supportnya smart pasti libur) dan selalu baru selesai senin siang...

Akhirnya september mendingan sampai november-desember speed lumayan stabil di 20-30 kBps, dan bahkan bisa dipaksa sampe 60-150 kBps)... tapi internet makin sering mati sendiri kalau idle.. kalau lagi parah bisa tiap 1-5 menit mesti disconnect, lalu di connect ulang (atau bahkan perlu restart modem) supaya bisa connect lagi...

Tapi mulai des 2009 - jan 2010 baru mulai ketahuan masalah lainnya (mungkin karena baru mulai aktif iseng2 ftp dan update website cpanel). ftp dan cpanel cuma bisa diakses pagi2 aja, setelah siang sampai malam pasti gak bisa. Setelah diselidiki ke hosting site, dan teman2 lain (yang semuanya tetap bisa akses ke ftp dan cpanel yang dimaksud), kesimpulannya hal ini adalah karena smart blok port 21 (ftp) dan 2083 (cpanel) sehingga tidak bisa diakses.

Akhirnya usaha protes ke smart... dengan pengalaman bahwa sekarang hubungin cust service smart susah banget (sejak dipindah ke nomor 882 untuk cust service susahhhhhhhhhhhh banget.... bisa telp 2x 30 menit... kaga diangkat2)
dengan susah payah akhirnya diangkat juga, terangin ke cust service yang gak ngerti apa itu ftp dan cpanel dan bahkan mengaku gak ada internet disana (gmn cara teranginnya, tau juga kaga, mau disuruh coba pun kaga bisa...).... sekitar tanggal 13 Jan 2010 jam 7 malam dengan pak Pramono (sekalian tulis ah biar inget)... dijanjikan dihubungi dan diselesaikan dalam 5 hari.

Besoknya memang ada yang telp dari smart, tapi sepertinya sinyal disono jelek banget, sehingga suara putus2, gak jelas, dan akhirnya putus (gak bisa dihubungi balik, dan gak pernah hubungi lagi, ke nomor alternatif pun kaga)... Akhirnya besoknya tgl 15 jan 2010 jam 8:49 pm coba lagi hub balik ke cust service dengan pak Baidoni, katanya nanti akan dihub lagi.

ok, tunggu punya tunggu, sampai sekarang tanggal 20 Jan 2010 (udah 7 hari nih) masih belum ada yang hub jg. Akhirnya jam 10:35 am telp dengan pak Dimas, katanya sudah diteruskan ke bagian network, dan nanti akan dihubungi (again ?? KAPAN MAU HUBUNGINNYA ??)...

akhirnya waktu baca2 detik.. eh ada yang serupa (jadi emang smart nih masalahnya) :
http://suarapembaca.detik.com/read/2010/01/20/100928/1282143/283/smart-jump-blok-koneksi-pada-port-selain-standar?992205470

hhh.... emang sih internet smart sekarang paling cepet dengan harga segitu... tapi kalau sering putus, paket sering diubah sendiri, port diblok semua kecuali yang standar, dan cust service yang susah dihub (dan kurang info mengenai produknya sendiri), tambah lagi follow up complain yang lama.......... kayanya mesti cari internet lain lagi nih..............

BCA jg kebobolan ?

taruh duit di bank, bahkan yang udah ternama pun rupanya gak aman juga ya...



Denpasar - Para nasabah Bank Central Asia (BCA) di Kuta, Bali, resah bukan kepalang. Uang di rekening mereka berkurang tanpa melakukan transaksi sebelumnya. Polisi tengah menyelidiki kasus ini.

Kapolsek Kuta AKP Dody Prawira Negara melalui telepon Selasa (19/1/2010) mengatakan 3 nasabah BCA Kuta melapor ke Polsek Kuta. Kemudian bertambah lagi hingga total ada 10 orang nasabah BCA yang kehilangan uang tanpa proses transaksi. Selain di Kuta, kasus serupa juga menimpa nasabah BCA di Denpasar.

Hilangnya uang tersebut diketahui saat nasabah tersebut akan bertransaksi di BCA Kuta. "Uang tabungan saya berkurang padahal tidak melakukan transaksi," kata seorang nasabah yang enggan disebutkan namanya.

Jumlah uang nasabah yang lenyap diperkirakan mencapai puluhan juta. Uang nasabah yang lenyap antara Rp 1 juta hingga Rp 5 juta. Lenyapnya uang nasabah diduga terjadi secara serentak, hanya dalam rentang waktu antara 16-19 Januari 2010.

Polisi kini tengah menyelidiki kasus lenyapnya uang yang meresahkan para nasabah BCA. Pihak BCA pun belum memberikan konfirmasi terkait pengaduan nasabahnya. "Kita meminta bantuan cyber crime Polda Bali untuk melakukan penyelidikan," ujar Dody.
(gds/fay)


http://www.detiknews.com/read/2010/01/20/081911/1282045/10/penarikan-uang-diduga-dilakukan-di-atm-bersama?991101605


Jakarta - Tidak hanya di Bali, kasus hilangnya uang nasabah BCA juga terjadi di Jakarta. Pada tanggal 18 Januari lalu, seorang nasabah hilang uangnya tanpa ada transaksi. Penarikan uang diduga dilakukan di ATM Bersama, yaitu ATM yang digunakan bersama-sama oleh lebih 50 bank.

"Saya kira penarikan bukan dari bukan ATM BCA, tapi di ATM Bersama, karena ada biaya Rp 25 ribu," kata seorang nasabah yang enggan disebutkan namanya, lewat telepon, Rabu (20/1/2010).

Jumlah uang yang hilang mencapai Rp 4,3 juta. Uang tersebut ditarik di sebuah pusat perbelanjaan di Jakarta.

Nasabah tersebut juga mengaku tidak pernah melakukan penarikan di ATM Bersama sebelumnya. Ia juga tidak melakukan transaksi ATM sejak tanggal 11 Januari.

"Tapi kenapa bisa ada transaksi pada tanggal 18? ATM masih ada di saya dan saya nggak ke mana-mana," jelasnya.

Pihak BCA saat dilapori tentang kejadian ini mengaku masih melakukan pemeriksaan. Informasi lengkap baru akan diperoleh nasabah ini setelah 10 hari.

"Penjelasan dari HaloBCA, minta waktu 10 hari. Kalau dari cabang minta 14 hari untuk referensi. Saya sih belum mau lapor polisi. Saya akan menunggu apakah mereka mau mengganti," tutupnya.

Sebelumnya, para nasabah BCA di Kuta dan Denpasar mengadu ke polisi. Uang di rekening mereka berkurang padahal mereka tidak pernah bertransaksi.

Uang nasabah yang lenyap antara Rp 1 juta hingga Rp 5 juta. Lenyapnya uang nasabah diduga terjadi secara serentak, hanya dalam rentang waktu antara 16-19 Januari 2010.

Pihak BCA saat dikonfirmasi mengaku masih melakukan pengecekan pada unit yang menangani kasus ini. Belum ada penjelasan lebih lanjut dari kepolisian.

(mad/nrl)

Monday, January 11, 2010

Kamar Ayin di Rutan Dilengkapi Kulkas, TV & AC

asiknya kalau punya duit... di penjara pun serasa di hotel.....

Minggu, 10 Januari 2010 - 22:54 wib
Frida Astuti - Okezone

JAKARTA
- Satuan Tugas Pemberantasan Mafia Hukum menemukan pemberian sejumlah fasilitas mewah terhadap para napi di Rumah Tahanan Wanita Pondok Bambu, Jakarta Timur, saat sidak pada malam ini. Salah satunya di ruang tahanan Artalyta Suryani alias Ayin.

Anggota Satgas menemukan Ayin berada dalam kamar berukuran besar di lantai tiga yang terpisah dengan tahanan lain. Saat anggota satgas tiba, mereka mendapati terpidana kasus suap Jaksa Urip Tri Gunawan itu tengah mendapat perawatan laser kosmetik oleh dokter khusus.

“Di sana kita menemukan ruang khusus seperti kantor begitu, ada TV, AC, sofa untuk tidur, ruang tamu, lengkap lah di sana,” ujar anggota Satgas Pemberantasan Mafia Hukum, Mas Ahmad Santosa kepada
okezone di Jakarta, Minggu (10/01/2010).

Inspeksi mendadak sengaja dilakukan tim karena mendapat informasi dan pengaduan dari masyarakat akan adanya diskriminasi napi di Rutan Pondok Bambu. Merespons hal ini, Satgas lantas berkoordinasi dengan Menhukam Patrialis Akbar.

Sunday, December 6, 2009

AHCI vs IDE

Been troubled by AHCI when trying to install xp on my laptop. Seems like xp couldn't be installed on SATA HDD using AHCI setting (it would always give me the "blue screen of death" when trying to load windows setup).

After some googling, I found that this could be worked around the hard way by rebuilding the xp cd setup to insert SATA driver. But, better yet, the easiest way is to just change the setting of HDD in BIOS from AHCI to IDE, and voila, xp setup run smooth again like usual.

So, what is AHCI ?? here's some explanation that I found from http://expertester.wordpress.com/2008/07/24/ahci-vs-ide-–-benchmark-advantage/ :


AHCI vs IDE

Recently, more and more user start to notice (note : not enthausiast) their main board or notebook has AHCI, instead of IDE (or legacy IDE). Most of us already aware what is IDE but what the heck is AHCI? What advantage could be gain from AHCI? Is AHCI is future thing of good old IDE interface. Will it slow down my system? Will it conflict my system?

What is AHCI ?

AHCI stand for Advance Host Controller Interface. AHCI is a hardware mechanism that allows software to communicate with Serial ATA (SATA) devices (such as host bus adapters) that are designed to offer features not offered by Parallel ATA (PATA) controllers, such as hot-plugging and native command queuing (NCQ). The specification details a system memory structure for computer hardware vendors in order to transfer data between system memory and the device.

Many SATA controllers can enable AHCI either separately or in conjunction with RAID support. Intel recommends choosing RAID mode on their motherboards (which also enables AHCI) rather than the plain AHCI/SATA mode for maximum flexibility, due to the issues caused when the mode is switched once an operating system has already been installed.

AHCI is fully supported out of the box for Microsoft Windows Vista and the Linux operating system from kernel 2.6.19. NetBSD also supports drivers in AHCI mode out of the box in certain versions. Older operating systems require drivers written by the host bus adapter vendor in order to support AHCI.

Advantage of AHCI

  1. Hot-Plugging (will not cover here as it will not affect computer performance)
  2. Native Command Queuing (might improve computer/system/hard disk responsiveness, espcially in multi-tasking environment

Will it slow down my computer

Several websites claim, NCQ (one of AHCI component) will cause performance degradation in single threaded benchmark, but other author claim otherwise. Let put our think hat here.

Their claims might correct at certain extent, but it is hard to prove that those single threaded benchmark will reflect real world application. Nowadays, hard disk is the slowest component in any modern PC (except we are using SSD). Antivirus, firewall, anti-spyware, windows update, background defragmentation, indexing (search), user applications (firefox, word, media player) ; all contribute to super multi-tasking, which I believe NCQ (AHCI) will show it advantage. So, in order to have better understanding on how NCQ (AHCI) could improve system responsiveness, let see what is NCQ actually is.

So, what is NCQ?

In principle, Native Command Queuing is relatively simple. It allows the drive to execute write /read commands that are transmitted randomly in order to optimise the movement of the reading head.



Speed is increased but there is also an impact on power consumption and noise level which is reduced. Of course, applications don’t have to work simultaneously and don’t have to wait for the previous result to send the next command. This of course isn’t always possible. Another possibility in using NCQ is multitasking in the case where you run two very heavy applications simultaneously from the drive point of view.

To better explain this situation, imagine an elevator, in which two people enter simultaneously on the ground floor. The first pushes the 12th floor button and the second the 2nd floor. It would be counterproductive to go to the 12th floor and then to the 2nd floor. The principle of NCQ was already in the ATA norm since 1997 with TCQ (Tagged Command Queuing). This heavier protocol could sometimes lead to significant performance losses in the case of low loads (no or very little command reorganisation to do) and has been integrated in a limited number of controllers. Hitachi supports it on 7K250 drives, like Western and the Raptor WD740GD, while on the chipset side, we can count on NVIDIA but not Intel.

SATA 3.0 Gbits /s defines a new speed of data transmission for the Serial ATA interface. Initially, SATA reached up to 1.5 Gbits /s, which really corresponds to 150 mega-octets per second as 20% of information is dedicated to error correction. The transfer rate is now increased to 300 MB/s but we have to keep in mind that this is the interface speed. It has nothing to do with disc speed alone. At most, cache speed would be affected.

For NCQ to be enabled, it must be supported and turned on in the SATA host bus adapter and in the hard drive itself. The appropriate driver must be loaded into the operating system to enable NCQ on the host bus adapter. Many newer chipsets support the Advanced Host Controller Interface (AHCI), which should allow a generic driver supplied by the operating system to control them and enable NCQ. In fact, newer mainstream Linux kernels support AHCI natively. Unfortunately, Windows XP requires the installation of a vendor-specific driver even if AHCI is present on the host bus adapter. Windows Vista corrects this situation by including a generic AHCI driver.


Thursday, December 3, 2009

Windows Mobile vs. Android: WinMo Is Better Than You Think

Found this on a forum :
==================================================================
Windows Mobile vs. Android: WinMo Is Better Than You Think

Android is the hot phone platform, with market share growing at a rapid pace, and handsets with the OS being touted across the web. I have been impressed with how far Android has come in a relatively short time, and how well it has penetrated the market. Windows Mobile has seen recent updates, an all-too-infrequent occurrence, and is often getting bashed for being a dated smartphone platform. I have dished out my fair share of criticisms about Windows Mobile, largely due to being such a longtime enthusiast who has grown jaded.

I set my cynical attitude aside and compared WinMo with Android, and the fact of the matter is, WinMo is better than you might think. When you compare the two platforms in the major areas that matter the most, the results may surprise you.

When you talk about what makes a good smartphone, some key abilities are usually mentioned. The ability to run many apps at the same time, multi-tasking, is always at the forefront of such discussions. The number of apps available for a given platform is a hot topic. The user interface is also right up there in discussions about phone platforms. And you can’t overlook the ability of a platform to integrate with the user’s computer desktop, as comments across the web bear witness.

Let’s break down these major abilities and compare Android to Windows Mobile to see how each fares.

Multi-tasking

Android is often touted for its ability to run multiple apps at the same time. My experience with Android phones bears that out — it is a seamless experience running many tasks at the same time. The OS does a good job handling the resources each app needs as it is running, and it makes sure that any app running in the foreground gets the attention it deserves to provide a good user experience.

What is rarely mentioned in the press is that Windows Mobile is an excellent multi-tasking platform. It’s probably not mentioned because WinMo has always been good at multi-tasking. The OS has no problem with tasks running in the background — in fact, it is designed to handle them with aplomb. WinMo automatically changes memory allocation based on the needs of each app, and if the system memory starts to get stretched thin, the OS shuts down background tasks automatically. The user is rarely aware of these system adjustments that are happening all the time, and that’s the way it should be.

WinMo has long been criticized about multi-tasking due to the lack of an app close option. Apps do not shut down by default when exited; they still run in the background. Some users are not used to such behavior and find that to be an undesired feature. Sure, an app developer can include an exit option expressly, but many feel that should be the default action of the OS.

Guess what? Android operates exactly the same way. When the user leaves an app to start something else, the first app keeps running in the background. In a familiar way, an app developer must include an express option to shut down an app when exited. Anyone who has run an Android phone for more than a few minutes should fire up a task manager and have a look. You’ll likely see 20 or more tasks running in the background, not unlike WinMo.

WinMo actually has a big advantage over Android in one area of multi-tasking, and that is how the OS handles user installed applications. WinMo allows them to be installed to either system memory, which can be in the hundreds of megabytes, or on external memory cards such as SD, microSD or miniSD cards. This makes it possible to install an almost unlimited number of apps on a Windows phone.

Android has a huge limitation when it comes to user installed apps. They can only be installed to system memory, and even on the latest and greatest Android phone, the Droid, that is only 256MB. When the system memory gets full, no additional apps can be installed. That’s not even enough storage to install a good game. Android will remain seriously hamstrung until this insane app install limitation is addressed in future versions.

Big advantage: Windows Mobile

Available apps

We are hearing a lot about the 10,000+ apps available in the Android Market, and it is an outstanding achievement that there are so many apps in such a short time. It is definitely an advantage that the Android platform has evolved so quickly. While Android has only a fraction of the apps that one can find for the iPhone, there are many good ones to meet users’ needs.

Microsoft was late getting to the app store game, with the Marketplace just recently opening its doors. Not a lot of apps are in there yet, which is not surprising given how new the store is to the market. What is rarely discussed are the tens of thousands of apps already widely available for the Windows Mobile platform.

The advantage of an app store is bringing apps into one central location, which makes it easier for customers to find them. Windows Mobile apps have always been sold through a variety of outlets, so customers have to do a little homework to find the app they need.

There almost certainly is already a WinMo app to meet virtually every need a user might have. Search around a little, and new WinMo owners will likely be amazed at the number of apps already available, and the quality of them. Most WinMo developers have been producing apps for a long time, and those applications have evolved over time as apps often do. That means that many apps for Windows phones have grown over time to be robust and complete.

Android’s web browser has been widely acclaimed for being much better than the latest version of Mobile Internet Explorer. That is an accurate claim, and many view this as a big advantage for the Android platform. There are already a number of good third-party browsers for Windows Mobile, and while it would behoove Microsoft to get the browser included in the OS to be more competitive, it really doesn’t matter for users.

Opera Mobile 10 is as good as any mobile browser out there on any platform, and it is free for Windows phone users. It is so exceptional that HTC has been using it as the default browser on its WM phones for years, and with good reason. It demonstrates the quality and quantity of apps available for the WinMo platform. While this is just the web browser application, the same can be said for many application categories. There is usually a good WinMo app to fill a user’s needs.

Advantage: Windows Mobile, with a salute to Android for a better central store

User interface

I have been as vocal as many in lamenting the old, tired interface on Windows Mobile phones. The lack of innovation in the interface design is really showing its age, and Android is currently better in that respect.

The primary difference between the interfaces of the two platforms is that Android is a new OS, and thus, has been written for finger manipulation. It is easier to interact with, and it looks more modern. This is why the Android interface is often thought to be the better of the two.

When you compare the two interfaces, you begin to realize that both of them are simple icon-based “launchers.” The icons for apps and tasks are organized in launcher screens for easy (and sometimes not so easy) access to fire things up. Android is cleaner and easier to interact with, so out of the box I must give it the nod.

You can’t compare interfaces without looking at third-party alternatives; it’s the only fair way to compare the two platforms. Android phones with the stock interface are pretty plain Jane, as is the WinMo interface. The magic happens on both platforms when you start adding third-party interface shells, such as HTC Sense, that transform Android into a very capable interface.

HTC has long produced its own interface for WinMo phones, too, and the latest Sense interface, such as found on the HD2, is amazing. It does for WinMo what it does for Android — adds a highly customizable face on the OS that makes it work the way the user prefers. HTC Sense works in a similar fashion on both platforms, although optimized to take advantage of each OS’ strengths. The end result is that a WinMo phone running Sense is as good as an Android phone running it.

The advantage that WinMo has over Android gets back to the third-party app scene. There are other shells already available that turn a WinMo phone into a user customizable dream interface. Spb Mobile Shell has been out for years, and the latest version is for WinMo what Sense is for Android. The difference is that Mobile Shell is user obtainable, where HTC Sense must be installed on a phone as purchased. That means that WinMo phone owners have the option to put a sophisticated interface on their phone, and customize it to fit the way they prefer to work.

Advantage: Windows Mobile

Computer desktop integration

Many consumers expect, no, need their phones to integrate with their desktop computers. They need a simple way to keep the phone’s contacts, calendars, tasks and email in sync with their desktop environment. For millions, this means syncing the phone with Outlook on the desktop.

Windows Mobile wins in this scenario, hands down. It is designed from the ground up to integrate with both Exchange Servers in the corporate world, and with Outlook environments on the desktop. All aspects of desktop Outlook commingle happily with Mobile Outlook on the Windows Mobile side of things.

On the other hand, consumers who have their desktop environment built around the Google cloud will no doubt find Android to be a better fit. The installed user base of Google services such as Gmail has grown steadily, and it’s big. Android is designed around integration with the Google cloud, so it is the obvious choice for those consumers.

Thursday, November 12, 2009

Kasus Bank Century

Sumber : http://www.suarapembaruan.com/index.php?detail=News&id=11682

Kwik Kian Gie

Untuk pertama kalinya, Boediono, yang begitu erat keterkaitannya dengan kasus Bank Century (BC) dan sekarang wakil presiden, memberikan keterangan tentang BC seusai salat Jumat, 6 November yang lalu. Jelas saja dia harus membela bahwa suntikan dana yang demikian besar untuk bank yang demikian kecil memang diperlukan, karena dia dalam kedudukan sebagai Gubernur Bank Indonesia (BI) adalah tokoh kunci ketika bail out yang kontroversial dilakukan.

Dikatakan bahwa bail out dilakukan untuk menghindari efek domino yang sistemik, tidak untuk menyelamatkan bank, dan juga tidak untuk menyelamatkan kepentingan deposan besar. Dikatakan juga, harus dibedakan antara tindak kejahatan dan tindakan penyelamatan. Dan penyelamatan itu tidak untuk kepentingan eksistensi bank-nya, tidak untuk kepentingan deposan besar, tetapi untuk menghindari kerusakan dunia perbankan secara sistemik.

Wapres Boediono tidak mengemukakan data dan fakta dalam pernyataannya. Kalau dia boleh membentuk opini publik dengan cara demikian, saya merasa juga boleh mengemukakan data dan fakta yang termuat dalam berbagai media massa dan yang termuat dalam "Laporan Kemajuan Pemeriksaan Investigasi atas Kasus Bank Century" yang ditulis oleh BPK dan ditandatangani pada tanggal 26 September 2009 oleh Suryo Ekawoto Suryadi selaku Penanggung Jawab Pemeriksaan. Apa semua data dan fakta tersebut? Antara lain sebagai berikut.

Kelahiran BC yang sangat bermasalah beserta keseluruhan proses kerusakannya dibiarkan secara sistemik oleh BI. Laporan Keuangan Bank Pikko dan Bank CIC, yang dinyatakan disclaimer oleh Kantor Akuntan Publik (KAP), dijadikan dasar merger. Pemegang saham pengendali yang tidak memenuhi fit and proper test tetap dipertahankan. Pengurus bank, yaitu direksi dan komisaris, ditunjuk tanpa melalui fit and proper test. Oleh karena kesulitan likuiditas yang dihadapinya, BC mengajukan permohonan fasilitas pinjaman jangka pendek (FPJP) kepada BI pada tanggal 30 Oktober 2008 sebesar Rp 1 triliun. Permohonan tersebut diulangi pada 3 November 2008. Karena pada saat mengajukan permohonan FPJP, posisi CAR BC menurut analisis BI adalah positif 2,35% (posisi 30 September 2008), sedangkan persyaratan untuk memperoleh FPJP sesuai dengan PBI No. 10/26/PB/2008 tentang FPJP Bank Umum, CAR-nya minimal harus 8%, BC tidak memenuhi syarat untuk memperoleh FPJP.

Secara sistemik, pada 14 November 2008, BI mengubah Peraturan Bank Indonesia (PBI) mengenai persyaratan pemberian FPJP dari semula CAR minimal 8% menjadi CAR minimal positif (asalkan di atas 0%). Dengan perubahan ketentuan tersebut dan dengan menggunakan posisi CAR per 30 September 2008 sebesar positif 2,35%, BI menyatakan bahwa BC memenuhi syarat untuk memperoleh FPJP.

Sementara itu, hasil penelitian lebih lanjut menunjukkan bahwa CAR BC pada 31 Oktober 2008 sudah negatif 3,53%, sehingga seharusnya BC tidak memenuhi syarat untuk memperoleh FPJP. Selain itu, sebagian jaminan FPJP yang diperjanjikan sebesar Rp. 469,99 miliar ternyata tidak secured.

Berdasarkan perubahan PBI tersebut, pada 14 November 2008, BI menyetujui pemberian FPJP kepada BC. Jumlah FPJP yang telah disalurkan kepada BC adalah Rp 689,39 miliar yang dicairkan pada 14 November 2008 sebesar Rp 356,81 miliar, 17 November 2008 sebesar Rp 145,26 miliar, dan 18 November 2008 sebesar Rp. 187,32 miliar.


Digerogoti Pemilik

Secara sistemik, BC digerogoti oleh pemilik dan atau manajemennya sendiri, yang secara sistemik pula dibiarkan oleh BI. Faktanya sebagai berikut. Setelah BC ditempatkan dalam pengawasan khusus pada 6 November 2008, BI tidak mengizinkan penarikan dana dari pihak terkait yang tersimpan dalam BC. (PBI No. 6/9/PBI/2004 yang diubah dengan PBI No. 7/38/PBI/2005 tentang Tindak Lanjut Pengawasan dan Penetapan Status Bank). Namun, setelah itu toh ada penarikan dana oleh pihak terkait sebagai berikut.

? Rp. 454,898 miliar

? USD 2,22 juta

? AUD 164,81 ribu

? SGD 41,28 ribu.

Pada 14 November 2008, Robert Tantular (RT) memerintahkan BC Cabang Surabaya memindahkan deposito milik salah satu nasabah BC senilai USD 96 juta dari kantor Cabang Surabaya-Kertajaya ke Kantor Pusat Operasional (KPO) Senayan. Setelah itu, Dewi Tantular (DT) dan RT mencairkan deposito tersebut senilai USD 18 juta tanggal 15 November 2008 yang digunakan oleh DT (Kepala Divisi Bank Notes) untuk menutupi kekurangan bank notes yang telah digunakan untuk keperluan pribadi DT; DT telah menjual bank notes ke luar negeri dengan jumlah yang melebihi jumlah yang tercatat, sehingga secara akumulatif terjadi selisih kurang antara fisik bank notes dan catatan akuntansi. Deposito milik nasabah tersebut kemudian diganti oleh BC dengan dana yang berasal dari FPJP.

Suntikan dana sebesar Rp 6,72 triliun kepada BC, dinyatakan untuk menghindari kerusakan sistem perbankan Indonesia secara sistemik. Mari kita lihat angka-angkanya sebagai berikut. Fungsi BC dalam industri perbankan hanya 0,68 % dalam rasio DPB bank/DPK industri dan rasio kredit bank/kredit industri hanya 0,42 %. Maka, fungsi BC dalam industri perbankan tidak ada artinya sama sekali. Di mana sistemiknya ? Mungkin sangat berarti untuk pihak-pihak tertentu yang menggunakan BC sebagai pencuci uang dan berbagai praktik kotor yang masih harus dibuktikan oleh laporan final oleh BPK.

Aspek psikologis pasar dibuat-buat dengan tameng "tidak bisa diukur", padahal kalau semua kewajiban kepada bank dibayar sepenuhnya dan dilikuidasi, sedangkan kewajiban kepada deposan lainnya dibayar maksimum Rp 2 miliar per account sesuai peraturan, sama sekali tidak ada dampak sistemiknya. Mengapa? Karena aktiva antarbank BC 24,28 % dan pasiva antarbank 19,34 %, sehingga per saldo BC mempunyai tagihan neto sebesar 4,94 % kepada bank-bank lain dalam hubungan inter bank call money market. Maka, kalau BC dilikuidasi, tidak ada bank yang dirugikan. Yang dirugikan para deposan besar yang menyimpan uangnya dalam BC dan akhirnya dirampok (istilahnya JK) oleh para pemegang sahamnya sendiri.

Kalau mau memasukkan faktor psikologis, mestinya pemerintah dan BI memperhatikan demikian banyaknya uang yang kehilangan tabungan seumur hidupnya, karena penipuan oleh Antaboga ala Madoff yang sangat terkait dengan BC. Pemerintah tidak mempedulikannya sama sekali, apakah sudah ada yang bunuh diri atau tidak, apakah banyak yang menangis atau tidak, apakah ada yang akan mati karena tidak mampu membayar biaya pengobatannya. atau tidak.

Penulis adalah mantan Menko Ekuin